The Crypto Market Structure Bill Got Shelved. What's Next?

The Crypto Market Structure Bill Got Shelved. What's Next?

Author: IntraFi January 21, 2026 Duration: 34:59

Bowing to industry pressure, Senate Banking abruptly postponed its vote on the crypto market structure bill last week. Brendan Pedersen, senior policy reporter at Punchbowl News and editor of its Vault newsletter, details the dynamics behind the meltdown. He also discusses the odds for the Trump-led push to curb interchange fees and HFSC Chairman French Hill's efforts to pass community bank reg relief.


Behind every financial headline and regulatory shift, there's a deeper story about how banks operate and adapt. Banking with Interest, produced by IntraFi, digs into that story. Hosted by Rob Blackwell, an award-winning former journalist with over twenty years of expertise, this podcast goes beyond surface-level news to explore the intricate policy changes actively reshaping the banking landscape. Each episode provides a clear-eyed analysis of what new regulations, legislative proposals, and economic trends actually mean for the industry. You'll hear thoughtful conversations with key figures and experts, offering a forward-looking perspective on pending challenges that haven't yet made the front page. It’s designed for professionals within financial services, from executives to analysts, who need context as much as they need information. The discussions are substantive yet accessible, turning complex topics into understandable insights. If you're looking for a reliable source to navigate the intersection of finance, business, and politics, this podcast serves as an essential guide. Tune in for a nuanced take on the forces defining the future of banking.
Author: Language: English Episodes: 50

Banking with Interest
Podcast Episodes
ICBA's Rainey on Crypto, AI and the Future of Community Banking [not-audio_url] [/not-audio_url]

Duration: 39:54
ICBA President and CEO Rebeca Romero Rainey discusses the failed Senate vote on crypto market structure legislation, community bank concerns about stablecoin yield, and the broader fight over who gets to compete for depo…
How New Reciprocal Deposit Rules Help Community Banks Compete [not-audio_url] [/not-audio_url]

Duration: 25:51
Community banks have more room to compete for deposits following a new law that changes how reciprocal deposits are treated. Drew Keith of Texas Security Bank, Matt Nightingale of Katahdin Trust, and Kevin King of Saint…
Inside Treasury's Push to Reset Bank Regulation [not-audio_url] [/not-audio_url]

Duration: 42:37
Former Treasury undersecretary Jonathan McKernan explains why the department took a more active role coordinating bank regulation and what officials hoped to accomplish with a broader regulatory reset. He also discusses…
How Banks Clouded the CLARITY Act's Future [not-audio_url] [/not-audio_url]

Duration: 40:25
Brendan Pedersen, financial services reporter for Punchbowl News, breaks down why the CLARITY Act's prospects have deteriorated, including a renewed revolt by community banks over stablecoin yield and growing Democratic…
If AI Can't See Your Bank, Does It Really Exist? [not-audio_url] [/not-audio_url]

Duration: 35:31
Penny Crosman, American Banker's executive editor for technology, discusses why some banks dominate AI-generated answers while others are nearly invisible, including tackling what community banks can do to improve their…
After Vought's Exit, Will CFPB Return to Normal? [not-audio_url] [/not-audio_url]

Duration: 47:18
Over the past year and a half, Acting CFPB Russell Vought has sought to largely shut down the CFPB by severely cutting staff, stopping enforcement actions and cutting back on supervision. But with the nomination of a new…
The Affordability Debate Comes for Banks [not-audio_url] [/not-audio_url]

Duration: 44:19
Lindsey Johnson, president and CEO of the Consumer Bankers Association, talks about why affordability concerns are putting renewed political pressure on banks over credit card rates, overdraft and late fees. She also tac…
The Big Question for Banks: How Durable Is This Moment? [not-audio_url] [/not-audio_url]

Duration: 50:54
Brian Gardner, chief Washington policy strategist at Stifel, tackles how durable the Trump administration's fast-moving regulatory and other changes are likely to be for banks. He discusses what banks still misunderstand…
What Policymakers Still Get Wrong About Housing Finance [not-audio_url] [/not-audio_url]

Duration: 44:06
Michael Bright, CEO of the Structured Finance Association and a former head of Ginnie Mae, joins the show to discuss the state of the U.S. housing finance system nearly two decades after the financial crisis. He explains…
Banks Are Asking the Wrong Question About AI [not-audio_url] [/not-audio_url]

Duration: 51:14
Alex Johnson, founder of Fintech Takes, details why many banks are thinking about AI the wrong way. He updates his views on stablecoins vs. tokenized deposits, discusses why fintech competition remains a potent threat to…