DMD Weekly FinTech Trend Report

May 13, 2025

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📚 Micro-Lesson Series: From Cash to Crypto—Next Steps for Confident Ownership

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📰LEAD STORY

Stablecoin Bill Collapse Reveals High Stakes For Crypto And Democracy

By Professor Tonya M. Evans | May 12, 2025

After clearing committee with bipartisan support and early momentum, the GENIUS Act (legislation to establish a federal framework for stablecoins) was widely expected to advance swiftly to a full Senate vote. But that momentum stalled on May 8, 2025, when a critical cloture vote failed to secure the 60 votes required to end debate and move the bill forward. The 48–49 vote left the measure in legislative limbo, blocking further consideration despite broad agreement on the need for stablecoin oversight.
A Closer Look at Cloture
Cloture is the procedural mechanism used to end debate on a bill and proceed to a final vote. It requires a 60-vote supermajority. That high bar means even popular legislation can be stalled if the threshold isn’t met. In this case, the failure to invoke cloture didn’t just delay a vote; it exposed deeper tensions in the policymaking process around digital assets, ethics, and executive influence.
This wasn’t a procedural misstep. It was a moment of reckoning.
The vote revealed not only persistent policy disagreements, but growing discomfort with the ways financial innovation can be leveraged for political or personal gain as President Trump and his family’s crypto dealings continue to dominate the headlines. Additionally, concerns over regulatory capture—a dynamic where policy decisions are shaped more by special interests than by the public good—moved from abstract theory to tangible threat.
While much of the public discourse has focused on Democratic senators who opposed the motion (including co-sponsors of the bill), far less scrutiny has been applied to the Republican defections that also contributed to the bill’s failure. Despite prominent GOP sponsorship, including lead sponsor Senator Bill Hagerty (R-Tenn.) and co-sponsors Cynthia Lummis (R-Wyo.), Tim Scott (R-S.C.), and Dan Sullivan (R-Alaska), three Republican senators voted against cloture: Josh Hawley (R-Mo.), Rand Paul (R-Ky.), and Senate Majority Leader John Thune (R-S.D.). Thune’s last-minute reversal was especially striking given his earlier support for digital asset regulation. Senators Roger Wicker (R-Miss.) and Jerry Moran (R-Kan.) were notably absent.
In a May 8^th X post, Treasury Secretary Scott Bessent framed the vote as a missed opportunity, warning: […]

Read the full article at Forbes.com.

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THIS WEEK ON CONFIDENTLY CRYPTO™ with DR. TONYA

In this episode of Confidently Crypto, I break down what it really means to own your digital assets—beyond just buying crypto. From self-custody and risk management to building real, long-term value, this episode is your guide to moving from curiosity to confidence. Each week of new content now begins with 'The State of Crypto,' a quick-hit segment where I cut through the headlines, distills the news, and separate fact from fiction—so you understand what’s really happening in the world of digital assets and why it matters to you.

If you're ready to protect what you've started and stay one step ahead in the digital economy, this episode is for you.

🎧 Where to Listen:

On SiriusXM’s Women’s Empowerment Network
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PREMIUM CONTENT

In depth coverage of the latest trends in crypto, blockchain and fintech law and policy and how to pivot your portfolio and practice with purpose in the digital economy.

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📅 Weekly Lesson Schedule:

Today-Lesson 1: Not Your Keys, Not Your Crypto
Learn why self-custody matters—and how to set up your first wallet the right way.

Lesson 2: Secure It Like You Mean It
Get your digital house in order with five must-do security steps for every crypto holder.

Lesson 3: Track It to Grow It
Build a simple but powerful system to monitor your crypto portfolio and stay ready for tax time.

Lesson 4: From Fear to Framework
Create your personal crypto strategy, complete with your “why,” risk profile, and investment rhythm.

Lesson 5: Tax Time
Understand what crypto activity is taxable—and take early steps to stay compliant and stress-free.

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