PANews reported on April 23 that, according to The Block, investment bank TD Cowen pointed out that besides the stablecoin yield issue, the Clarity Act faces five other major obstacles to its passage. First, the Commodity Futures Trading Commission (CFTC) currently has only one commissioner, and the nomination and confirmation process for expanding the commissioner could take months, while the deadline for action on the bill is late July. Second, the issue of predictive market regulation, if included in the bill, could alienate Democrats. Third, the ongoing scrutiny of the World Liberty Financial crypto project, linked to the Trump family, could make it difficult for Democrats to support the bill. Fourth, Iran is reportedly discussing requiring ships to pay passage fees in the Strait of Hormuz in cryptocurrency, which could increase pressure on anti-money laundering provisions. Fifth, the Credit Card Competition Act may be attempted to be incorporated into the crypto bill. Senator Tillis stated that the Senate Banking Committee could not vote on the bill until May at the earliest, and the compromise text on stablecoin yields may not be released until before the review. Galaxy Digital stated that the probability of the bill passing this year is approximately 50%.