Protect Local Lending
Advocacy Toolkit
The Issue
The Digital Asset Market Structure Clarity Act was advanced by the U.S. Senate Banking Committee on May 14, 2026. While the bill would establish a regulatory framework for digital assets, it does not yet fully and clearly close a critical loophole that allows stablecoin-related “rewards” to function like interest payments. Banking regulators and trade associations have warned that, if left unaddressed, this loophole could weaken community banks’ ability to support small businesses, farmers, and families in every state.
The Ask
Step 1: Take Action Now.
Contact your members of Congress, especially Senate Banking Committee member Mark Warner, urging them to support nothing less than an airtight prohibition on the payment of interest or yield on stablecoins. Send your message today and call Senator Warner’s Capitol office at 202-224-2023 to ensure the interest loophole is closed.
Step 2: Encourage Your Customers to Take Action.
Below is a ready-to-use template letter you can adapt for your outreach.
Template: Community Bank Customer Engagement
(For use in customer email lists or online banking
messages)
Subject: Why Local Credit for Small Businesses Is at Risk
Dear Customer,
Community banks play a critical role in financing small businesses, farms, and local projects. Congress is finalizing legislation affecting stablecoins, a form of digital currency.
If Congress allows certain stablecoin rewards to function like interest outside regulated banks, it could reduce the funds available for local lending—meaning fewer loans for businesses, homeowners, and families.
We are asking lawmakers to include clear safeguards in the Clarity Act to ensure local communities are not harmed. Please take a moment to share your voice with your Senators.
Thank you for supporting your local bank.
Step 3: Amplify Your Efforts On Your Bank’s Social Media Channels.
Download and share the graphics and messaging below.
Sample social media post language:
Community banks help fuel local economies by turning deposits into small business loans, farm financing, construction lending, and mortgages. If stablecoin products begin functioning like interest-bearing accounts outside the insured banking system, deposits could move away from banks—reducing local lending capacity and potentially raising borrowing costs for businesses, farmers, and families.
Contact your member of Congress today to encourage them to adopt clear, enforceable language in the Clarity Act and protect local lending by closing the payment of interest loophole. [link] https://secureamericanopportunity.com/protect-local-lending-strengthen-main-street
