Crypto regulation in the U.S. is advancing rapidly. This week offered another signal as attention shifted from markets to Washington. Watcher.Guru reported that top U.S. bank CEOs are set to meet with Senators to discuss crypto market structure legislation. Crypto influencer JackTheRippler (@RippleXrpie) added context by resurfacing a video of Ripple CEO Brad Garlinghouse’s July testimony before the Senate Banking Committee. His remarks now appear less aspirational and more aligned with the regulatory path currently taking shape. CEO of @Ripple – Brad Garlinghouse at the Banking Committee talking about Ripple and #XRP ! https://t.co/nvRtM92JCj pic.twitter.com/HYoy8PCCGg — JackTheRippler © (@RippleXrpie) December 8, 2025 Garlinghouse Outlines Ripple’s Compliance Strategy Garlinghouse appeared before the Banking Committee in July . During his testimony, the CEO introduced Ripple as a company focused on regulated innovation. He told lawmakers Ripple was founded over a decade ago with a mission to enable the internet of value. He explained that Ripple builds software supporting cross-border payments, stablecoins, and digital custody. Garlinghouse stressed Ripple’s compliance-first approach . He stated that the company operates with over 60 licenses across payment, service, crypto, and money transmitter categories. He added that Ripple chose to work with regulators instead of avoiding oversight. He also described the XRP Ledger as “decentralized, battle-tested, open-source.” He said XRP enables fast, low-cost, and scalable transactions. Garlinghouse warned lawmakers about regulatory uncertainty. He said unclear rules allowed enforcement actions to target compliant firms. He noted that this environment pushed innovation offshore while increasing consumer risk. The SEC Case and Its Aftermath Garlinghouse addressed Ripple’s legal battle with the SEC. He said Ripple was sued in 2020 and became the first major U.S. crypto firm to face such action. He called the case a threat to the industry’s survival. He told Senators that Ripple prevailed after four years of litigation. He reminded them that XRP is not a security , drawing attention to the court’s ruling that “the token XRP is not, in and of itself, a security.” That decision reshaped the regulatory landscape. It also strengthened calls for legislative clarity. We are on X, follow us to connect with us :- @TimesTabloid1 — TimesTabloid (@TimesTabloid1) June 15, 2025 Since then, lawmakers have advanced several crypto-related bills. The Genius Act marked a major step. It shows the legislature’s willingness to move beyond enforcement-focused policy. What the Industry Is Watching Next Garlinghouse urged Congress to formulate principled market structure legislation. He asked lawmakers to define regulatory boundaries, create clear pathways for US operations, and position the country as a crypto leader. He said over 55 million Americans participate in the cryptocurrency market. The industry now watches proposals such as the Clarity Act . Supporters see it as a way to formalize oversight without stifling innovation. Bank CEO meetings, Senate engagement, and resurfaced testimony all point to the same reality. Crypto regulation no longer sits on the sidelines. Disclaimer : This content is meant to inform and should not be considered financial advice. The views expressed in this article may include the author’s personal opinions and do not represent Times Tabloid’s opinion. Readers are advised to conduct thorough research before making any investment decisions. Any action taken by the reader is strictly at their own risk. Times Tabloid is not responsible for any financial losses. Follow us on X , Facebook , Telegram , and Google News The post Ripple CEO at the Banking Committee Talking about Ripple and XRP appeared first on Times Tabloid .
