Track bills, resolutions, and amendments moving through Congress
Safe Access to Cash Act of 2026
The bill strengthens federal tools to deter and punish ATM-related theft and violence and clarifies protections for ATM property, but it expands federal reach and penalties in ways that raise taxpayer costs, increase enforcement and compliance burdens, and create legal questions that could reduce prosecutions or produce uneven sentencing.
Common Cents Act
The bill seeks to modernize coinage, authorize cash‑rounding rules, and increase Federal Reserve and Treasury oversight—potentially lowering minting costs and giving businesses legal clarity—while shifting small, cumulative costs onto cash users and imposing retrofit and administrative burdens on businesses and taxpayers.
Bankruptcy Threshold Adjustment Act
The bill expands eligibility for streamlined reorganizations and Chapter 13—helping many individuals and small businesses preserve assets and potentially reducing taxpayer costs—at the cost of lower creditor recoveries, greater court workload, and unequal treatment/uncertainty for pending or excluded cases.
Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act
The bill strengthens regulators' technology, coordination, and workforce to detect and manage financial risks earlier, while creating administrative costs and confidentiality/privacy risks and potentially imposing costly modernization pressures on supervised firms and their customers.
GUARD Act
The bill strengthens detection, coordination, and targeted enforcement against elder financial fraud and tech‑enabled scams—giving law enforcement and regulators better tools and data—but does so at the cost of increased administrative burdens, potential taxpayer spending, and meaningful privacy and civil‑liberty risks unless safeguards, funding clarity, and careful redaction are implemented.
Common Cents Act
The bill aims to cut minting and cash-transaction costs and provide orderly controls around discontinuing coins, but it shifts small costs and administrative burdens onto cash users, small businesses, and federal agencies and creates legal/operational frictions during the transition.
Bankruptcy Threshold Adjustment Act of 2026
The bill widens access to faster, less costly bankruptcy options for more small businesses and some middle‑class debtors and clarifies that changes apply to new filings, but it increases risks of reduced creditor recoveries, added administrative load and litigation, and possible court congestion and fairness issues.
Main Street Capital Access Act
This bill leans toward easing burdens, increasing predictability, and boosting transparency for banks—especially smaller institutions—while accelerating approvals and limiting some supervisory tools, a trade‑off that may lower costs and preserve local banking but increases litigation, administrative costs, and potential risks to competition, depositor safety, and taxpayers.
Failing Bank Acquisition Fairness Act
The bill increases transparency and legal guardrails to limit risky consolidations and ensure statutory compliance—strengthening oversight and protecting competition and deposit insurance funds—at the cost of added administrative burdens and stricter standards that could slow emergency rescues and reduce resolution flexibility, potentially raising costs in a crisis.
Common Cents Act
The bill aims to reduce minting costs and streamline cash transactions (including ending penny circulation and enabling nickel composition changes) while protecting businesses that adopt rounding rules — trading potential system-wide savings and smoother cash handling against small-dollar losses for cash-dependent consumers, transitional costs, and some legal and compliance uncertainties.
Community Bank Deposit Access Act of 2025
The bill helps small community banks hold more insured custodial deposits and gives fiduciaries clearer placement rules, while imposing interest limits on undercapitalized institutions (which could shift deposits to larger players), adding compliance and administrative burdens, and modestly reducing the Fed's surplus.
American Access to Banking Act
The bill makes it easier and more predictable to form community-focused banks and credit unions—potentially expanding local access to credit—while adding administrative costs and creating modest risks to investor protections and financial-stability oversight that must be managed.
Keeping Deposits Local Act
The bill makes deposit funding and supervisory rules clearer and expands funding flexibility for well-rated agent banks—potentially boosting lending and liquidity—while increasing systemic risk and competitive pressure on smaller or lower-rated banks and adding administrative responsibilities for regulators.
Digital Asset Market Clarity Act
The bill provides comprehensive regulatory clarity, stronger consumer disclosures, AML controls, and operational standards for digital assets—tradeoffs include higher compliance costs, new privacy/surveillance risks, potential chilling effects on innovation, narrowed investor remedies, and concentrated market power that may shift costs and risks onto consumers and taxpayers.
TRUST Act of 2025
The bill reduces regulatory burden and redirects FDIC resources away from mid‑sized banks toward higher‑risk institutions, trading lower compliance costs for those banks against increased risk that problems at mid‑sized banks go undetected, potentially harming customers and exposing taxpayers.
SMART Act of 2025
The bill reduces exam frequency, length, and operational disruption for community banks and credit unions and increases predictability and transparency, but that relief comes with a trade-off: lower on-site scrutiny and vague implementation standards that could delay detection of problems, weaken consumer protections, and raise local financial risk.
Advancing the Mentor-Protégé Program for Small Financial Institutions Act
The bill aims to expand capacity and access at small and rural banks through Treasury-backed mentorship and outreach — benefiting underbanked communities and local businesses — but does so at some taxpayer cost and with risks of exclusion, regulatory uncertainty, and potential big-bank influence.
Fallen Servicemembers Religious Heritage Restoration Act
The bill tightens oversight and accountability around FBI queries and preserves cash privacy by blocking a Fed‑issued retail CBDC, but it also extends contested Section 702 authorities, creates new criminal liabilities and administrative burdens that could hamper operations, and leaves legal ambiguities about token carve‑outs.
Financial Stability Oversight Council Improvement Act of 2025
The bill gives nonbank firms formal opportunities and interagency checks that can reduce unnecessary regulatory burdens, but it risks slowing Council action and allowing systemic risks to persist unaddressed.
Bringing the Discount Window into the 21st Century Act
The bill increases transparency, oversight, and operational resilience to improve banks' access to Federal Reserve liquidity and protect depositors, but it imposes administrative costs, creates disclosure risks, and may push the Fed toward short-term remedies rather than long-term fixes.
PROTECT Taiwan Act
The bill gives U.S. regulators a tool to curb PRC influence and promote U.S.-style financial rules, but that approach risks regulatory fragmentation, diplomatic blowback, and added costs for banks and taxpayers.
Main Street Parity Act
The bill streamlines and clarifies SBA-related regulations for small businesses by narrowing a cross-reference, but that simplification risks removing protections and creating gaps or legal uncertainty for firms and the agency.
Scam Compound Accountability and Mobilization Act
The bill strengthens coordinated U.S. enforcement, sanctions, and victim‑centered responses to disrupt international scam compounds and compensate victims, but does so at the cost of higher federal spending, compliance burdens, diplomatic friction, legal/due‑process risks, and uncertainty from a seven‑year sunset.
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.
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.
OFAC Licensure for Investigators Act
The bill enables private-sector investigative transactions and stronger FinCEN/OFAC coordination to better detect sanctions evasion and financial crime, but it creates ongoing compliance costs and confidentiality/legal risks that could reduce private participation and expose firms to liability.
GENIUS Act
The bill creates a comprehensive federal framework that raises consumer protections, stability, AML controls, and technical standards for payment stablecoins, but it centralizes issuance and custody with larger regulated institutions, increases compliance and surveillance costs, and risks reduced competition, privacy, and temporary access during emergencies.
Anti-CBDC Surveillance State Act
The bill preserves individual privacy, the current role of banks, and congressional control by prohibiting a Fed retail CBDC, but that protection comes at the cost of foregoing potential consumer benefits (cheaper, faster payments and greater financial inclusion), slowing innovation, and limiting Fed crisis-response tools.
CEASE Act of 2025
The bill trades tighter oversight and lower administrative complexity by limiting the number of authorized lenders against reduced access to loans, less competition and higher costs for some small businesses, plus concentration and discretion risks for the SBA.
Credit Union Board Modernization Act
The bill tailors board meeting frequency to measured risk—reducing burdens for well-rated credit unions while increasing oversight for riskier or new institutions—but it shifts reliance onto exam ratings and timing, which can create governance gaps, misclassifications, and added burdens for some small or volunteer-run boards.
