Key suggestions include:

Clear disclosures that stablecoin yields are not bank interest

Explicit statements that they are not FDIC-insured

A federal “Deposit Impact” study two years after implementation

The Chamber argues that empirical data will show stablecoins complement — not threaten — traditional banking.

As Wall Street lobbyists remain firmly opposed to yield-bearing stablecoins, the outcome of this debate could shape the future of DeFi and the role of the US dollar in global digital markets.