Ripple CEO Brad Garlinghouse has made a direct appeal to the U.S. Senate, urging lawmakers to prioritize the passage of the Crypto Market Structure Bill. In a presentation before the Senate Banking Committee on January 25, 2026, Garlinghouse framed the legislation as a critical step toward providing long-needed regulatory clarity for the digital asset industry.
The bill is slated for a vote on the Senate floor on Tuesday, January 27, 2026. Garlinghouse argued that unclear rules have stifled adoption by traditional financial institutions and pushed innovation to foreign jurisdictions, weakening U.S. financial leadership. He emphasized that consistent oversight would build trust among consumers, investors, and payment providers, positioning regulation as an enabler of innovation rather than a constraint.
Garlinghouse highlighted Ripple's own compliance-first approach and its broad product portfolio—including cross-border payments, stablecoins, and custody services—as evidence that clear frameworks encourage responsible growth. He also referenced Ripple's past legal challenges, suggesting that clear legislation could prevent similar industry-wide disputes by reducing reliance on enforcement actions and lowering compliance costs.
The CEO tied the bill's success to practical financial use cases and efficiency gains for businesses and users, stating it could fundamentally reshape how value moves through the U.S. financial system. The testimony is seen as a sign of growing cooperation between regulators and crypto firms.
