May 5th, 2015, Department of Justice announces a criminal investigation brought by the IRS and FinCEN against Ripple has been settled, writing, "The agreement will resolve allegations that Ripple and its subsidiary failed to follow the law while engaging in the exchange of virtual currency and that the entities failed to establish and maintain an appropriate anti-money laundering program." https://archive.is/GhAAb
August 20th, 2018, SEC Chair Jay Clayton's public calendar reveals, "Meeting with Ripple, including: Brad Garlinghouse, CEO; David Schwartz, Chief Technology Officer; and John Roscoe, Special Assistant to the President, White House Office of Presidential Personnel." https://archive.is/SerU8
October 2nd, 2018, Michael Didiuk, who served 8 years at the SEC says at the Swell conference that he does not think XRP is a security. https://archive.is/TqPxM https://archive.is/JJ9nb
June 17th, 2020 Former CFTC chairman Chris Giancarlo says to the International Financial Law Review, "like bitcoin and ether, XRP is a digital currency supported by a distributed ledger that uses cryptography to store and transfer assets...Even if XRP were to satisfy one or two of the prongs of the Howey test, it does not satisfy all the factors such that XRP is an investment contract subject to regulation as a security...Ultimately, under a fair application of the Howey test and the SEC’s presently expanding analysis, XRP should not be regulated as a security, but instead considered a currency or a medium of exchange, consistent with interpretations offered by other federal regulators." https://archive.is/DQaF5
November 16th, NYT reports Jay Clayton will step down from the SEC by the end of 2020. https://archive.is/5TCqo