Track bills, resolutions, and amendments moving through Congress
Community Bank Deposit Access Act of 2025
The bill expands small banks' ability to take custodial deposits and clarifies rules to protect deposit insurance, at the trade-off of potential concentration of large deposits at small institutions, reduced flexibility for struggling banks, and competitive distortions near the $10B threshold.
American Access to Banking Act
The bill makes launching de novo banks and credit unions faster and more transparent—likely improving local credit access and aiding small/community institutions—while increasing administrative costs, creating some investor/depositor safety risks if oversight or protections are weakened, and producing potential unevenness in who benefits.
Keeping Deposits Local Act
This bill increases clarity and short‑term liquidity access for qualifying banks and provides a quick study to guide policy, but it raises risks to depositors and taxpayers and may concentrate deposits and compliance burdens on smaller, regional, and rural banks.
21st Century ROAD to Housing Act
The bill channels substantial new federal support and procedural changes to speed housing supply, disaster recovery, and veteran/tenant protections while increasing transparency, but it raises trade-offs in higher federal spending, larger administrative burdens, privacy and environmental risks, and potential impacts on rental supply and local counseling capacity.
Digital Asset Market Clarity Act
This bill aims to create a comprehensive federal framework that promotes clearer classifications, custody protections, and pathways for legitimate digital‑asset activity to expand market participation and safety, but it does so by imposing substantial compliance costs, carving out jurisdictional limits that risk oversight gaps, and creating tradeoffs that could reduce some investor protections and push activities offshore.
TRUST Act of 2025
The bill reduces regulatory burden for certain midsize banks and shifts examiner focus, but it does so at the cost of increased risk that problems will be detected later—raising potential losses for depositors, the FDIC, and taxpayers.
SMART Act of 2025
The bill reduces exam burden and increases predictability for well‑managed small banks and credit unions, at the cost of potentially greater safety and consumer‑protection risks and some transition or oversight costs for institutions and taxpayers.
Advancing the Mentor-Protégé Program for Small Financial Institutions Act
The bill aims to broaden access to Treasury financial agent roles and improve capacity at small, minority, and rural depositories—potentially improving service and reach for underserved Americans—while creating risks of increased influence by large mentors, added taxpayer costs, and security/oversight vulnerabilities if safeguards are insufficient.
SBA Fraud Enforcement Extension Act
The bill extends fraud enforcement and civil liability windows for COVID-era small-business relief to 10 years—boosting the government’s ability to recover funds and deter fraud while imposing longer legal exposure and higher administrative costs for businesses and agencies.
Fallen Servicemembers Religious Heritage Restoration Act
The bill increases oversight and accountability for Section 702 U.S.-person queries and prevents a Fed retail CBDC—protecting civil liberties and avoiding major financial-sector disruption—while extending Section 702 authority to 2029 and imposing compliance, operational, and legal tradeoffs that could hinder intelligence operations and create uncertainty and costs.
$2.50 for America’s 250th Act
The bill creates commemorative and potentially circulating $2.50 coins that can promote national commemoration and may generate revenue, but it risks taxpayer-funded costs, equipment upgrade burdens for businesses, and mostly symbolic benefits for ordinary citizens.
Financial Stability Oversight Council Improvement Act of 2025
The bill gives nonbank firms and their regulators more procedural flexibility to avoid disruptive SIFI designations and to pursue tailored remediation, but that added process may slow decisive action and raise the risk of prolonged systemic exposure and taxpayer losses.
Bringing the Discount Window into the 21st Century Act
The bill strengthens and standardizes Fed discount-window operations to speed and secure emergency liquidity and increase oversight, but it creates administrative costs and a transparency-versus-secrecy trade-off and risks rushed operational changes with unintended effects.
Bankruptcy Administration Improvement Act of 2025
The bill creates clearer, more predictable fee allocations, deposit rules, and temporary-judge continuity to stabilize bankruptcy administration, but does so by diverting fees to the Treasury and fixing per-case dollar allocations—trading short-term predictability and centralization for risks of underfunding over time, reduced judicial turnover, and transitional fairness/administrative burdens.
Incentivizing New Ventures and Economic Strength Through Capital Formation Act of 2025
This bill aims to ease capital formation and expand modernized access to private markets (including by creating an exam pathway and streamlining filings) while trading off stronger investor protections, transparency, and SEC oversight — shifting more due diligence risk onto investors and advantaging better‑resourced market participants.
Systemic Risk Authority Transparency Act
The bill boosts speedier GAO and congressional oversight and transparency around systemic-risk designations and bank supervision while trading off greater exposure of confidential supervisory materials, potential diversion of agency resources during crises, concentrated access to sensitive materials, and higher legal risks.
Bankruptcy Administration Improvement Act of 2025
The bill strengthens trustee pay, judicial staffing stability, and predictable fee allocations—improving bankruptcy administration and reducing case delays—but does so by shifting more costs onto filers, diverting some dedicated fees to the Treasury, and creating legal/implementation and resource-allocation risks.
China Financial Threat Mitigation Act of 2025
The bill improves U.S. understanding of and oversight over financial exposure to China and promotes international coordination—helping markets and policymakers—but risks short‑term market disruption, consumes agency resources, and may keep the most sensitive findings classified from the public.
Financial Technology Protection Act of 2025
GENIUS Act
The bill trades broader consumer protections, financial‑stability safeguards, and a clear federal regulatory regime for payment stablecoins against higher compliance costs, reduced competition/innovation (especially for smaller or decentralized projects), greater federal preemption, and privacy/enforcement tradeoffs that may raise fees and limit some cross‑border choices.
Anti-CBDC Surveillance State Act
The bill prioritizes privacy, banking-sector stability, and congressional control by preventing the Federal Reserve from creating a retail CBDC, but that protection comes at the cost of slower payment innovation, reduced options for financial inclusion, constrained policy tools, and increased uncertainty for fintech innovation.
Homebuyers Privacy Protection Act
The bill strengthens consumer privacy and consent for prescreened mortgage-related credit reports but does so at the cost of added compliance and operational burdens for lenders and CRAs and a potential reduction in prescreened marketing offers for some consumers.
7(a) Loan Agent Oversight Act
The bill increases transparency and oversight of SBA 7(a) loan agents to help curb fraud and inform borrowers, but imposes new compliance and administrative costs that could raise borrower costs or reduce access to paid application assistance for some small businesses.
Full-Year Continuing Appropriations and Extensions Act, 2025
The bill funds and sustains a wide range of defense, veterans, health, infrastructure, and research programs to avoid shutdowns and preserve near‑term services, but does so by increasing federal spending, extending temporary authorities, and reducing some oversight and multi‑year certainty—shifting fiscal and accountability risks into the near future.
Credit Union Board Modernization Act
The bill increases oversight and governance consistency for federally chartered credit unions by tying board meeting frequency to supervisory ratings—providing relief for well-rated institutions but imposing recurring time and cost burdens on weaker or small credit unions and risking perverse incentives to game ratings.
China Exchange Rate Transparency Act of 2025
The bill increases pressure and transparency around China's exchange-rate practices—potentially improving market stability and U.S. influence at the IMF—but does so at the risk of geopolitical retaliation, higher compliance costs, strained multilateral cooperation, and the possibility of prolonged or politicized measures.
Chinese Currency Accountability Act of 2025
The bill seeks to protect U.S. economic interests and influence in the IMF by forcing Treasury verification of China's compliance, but it creates diplomatic and administrative risks and is weakened by an automatic 10-year sunset that injects legal uncertainty and could end protections unless renewed.
Recognizing that Florida's insurance market is gravely stressed by climate risks.
The resolution raises federal attention and may spur oversight or reforms to protect Florida homeowners and the housing market, but it also underscores risks that could lead to higher premiums, tighter mortgage access, and potential costs to taxpayers.
BITCOIN Act of 2025
The bill formalizes federal acquisition, custody, and reporting of Bitcoin—offering potential strategic, transparency, and market‑stability benefits while concentrating substantial financial, cybersecurity, legal, and operational risks on taxpayers, governments, and the financial system.
Transparency in Banking Act
The bill increases transparency and Congressional oversight of international banking standards—improving predictability for institutions and protections for consumers—while imposing administrative costs and risks that public disclosure could weaken negotiating effectiveness and delay domestic rulemaking.
