Ripple CEO Brad Garlinghouse has urged banks to engage in "good faith" negotiations regarding the Clarity Act, a significant cryptocurrency bill. Despite ongoing discussions, Garlinghouse emphasized the importance of reaching a consensus, warning that the legislation could collapse without cooperation from key figures like Coinbase's Brian Armstrong, who has criticized the bill's provisions on stablecoin rewards. The American Bankers Association and the Bank Policy Institute remain involved in the talks, contributing their perspectives. Garlinghouse advocates for progress over perfection, suggesting that clarity in regulation is preferable to uncertainty. He estimates an 80% chance of the bill passing by the end of April, despite current disagreements.