Track bills, resolutions, and amendments moving through Congress
Common Cents Act
The bill reduces government minting and small-coin handling costs and speeds cash transactions while trading off small but widespread rounding losses for cash users, payroll/accounting complications, and modest compliance and numismatic-market impacts.
Common Cents Act
The bill seeks to streamline coinage and cash handling—speeding checkouts, protecting merchants, and reducing minting complexity—while requiring planning and oversight, but it shifts small costs and legal risks onto cash-reliant consumers, businesses adapting equipment, and agencies managing the transition.
Protecting Privacy in Purchases Act
The bill protects firearms retailers' privacy and limits firearm-specific transaction labeling while preserving payment-security functions, but it shifts enforcement to the federal level, preempts local regulation, and leaves retailers without a private lawsuit option — potentially slowing remedies and imposing costs on banks.
Recover COVID Unemployment Fraud in Banks Act
The bill strengthens government ability to locate and recover improper pandemic unemployment payments and deters fraud by extending enforcement windows and standardizing recovery procedures, but it increases legal exposure for recipients and creates administrative and compliance costs for individuals, state agencies, financial institutions, and some federal implementation expenses.
Financial Exploitation Prevention Act of 2025
The bill strengthens protections and transparency to prevent financial exploitation of seniors and adults with disabilities by allowing temporary holds and designated contacts, but it does so at the cost of potentially delayed access to funds, privacy/exposure risks for vulnerable account holders, and additional compliance costs for firms.
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.
21st Century ROAD to Housing Act
The bill invests in increasing affordable housing supply, tenant protections, disaster recovery, and community banking support while strengthening HUD oversight — but does so at notable taxpayer cost and with tradeoffs including program dilution for the poorest households, privacy and administrative burdens, potential market disruptions (manufactured housing and banking), and implementation uncertainty.
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.
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.
Servicemembers’ Credit Monitoring Enhancement Act
The bill clarifies and expands FCRA protections to explicitly cover all service members — improving credit protections and consistency across federal law — but introduces a one-year delay and some compliance costs and short-term regulatory uncertainty that could affect agencies, creditors, and (ind)
Consolidated Appropriations Act, 2026
The bill boosts oversight, targeted defense and foreign-aid investments, and health and program transparency, but does so by locking funds into many earmarks and reporting mandates that increase administrative costs, reduce executive flexibility, raise near‑term taxpayer obligations, and constrain federal personnel and agency responsiveness.
Protecting Prudent Investment of Retirement Savings Act
The bill tightens fiduciary rules and increases transparency to prioritize pecuniary return and reduce conflicts—benefiting many savers and oversight—while imposing new compliance burdens, limiting default ESG exposure and some engagement tools, and introducing friction for self-directed investors.
Retire through Ownership Act
The bill gives ESOP fiduciaries clearer, usable appraisal standards that can reduce disputes and speed transactions, at the cost of increased risk of lower valuation scrutiny (and potential overvaluation) and lingering uncertainty for past transactions until regulators act.
Homebuyers Privacy Protection Act
The bill gives mortgage applicants stronger control and greater privacy over prescreened credit reports and creates a government study of text-message trigger leads, but it raises compliance and operational costs for lenders and consumer-reporting agencies (which may be passed to consumers) and could narrow the number of prescreened mortgage offers available to some borrowers.
Senior Security Act of 2025
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.
Consumer Safety Technology Act
The bill aims to promote regulatory clarity, fraud detection, and agency transparency around tokens and marketplace hazards but does so by centralizing authority, expanding definitions, and deploying AI and studies in ways that could raise costs, delay action, risk privacy and accuracy, and shift enforcement burdens.
To provide for reconciliation pursuant to title II of H. Con. Res. 14.
This package delivers sizable tax relief, defense/industrial and targeted domestic investments while tightening immigration and benefit rules and expanding fossil fuel development — producing near‑term financial and program gains for many Americans at the cost of higher federal spending, greater compliance burdens, and increased risks to climate, coverage, and immigrant access.
Fair Investment Opportunities for Professional Experts Act
The bill expands pathways for wealthy, credentialed, and industry professionals to access private capital markets while preserving high eligibility bars that leave many middle‑income Americans excluded and impose new compliance burdens on issuers and brokers.
Romance Scam Prevention Act
The bill strengthens consumer protections against dating-site fraud by requiring fast alerts and creating federal enforcement, but it raises compliance costs for platforms and risks false positives, privacy issues, and reduced state regulatory flexibility.
Homebuyers Privacy Protection Act
The bill strengthens consumer privacy and consent around prescreened mortgage credit reports, at the cost of added compliance and operational burdens for lenders, servicers, and CRAs and a potential reduction in prescreen-based offers reaching some consumers.
Informing Consumers about Smart Devices Act
The bill increases transparency and centralizes federal guidance to improve privacy protections for certain internet‑connected devices, but it exempts many common products, leaves gaps for existing devices, and imposes compliance costs and legal uncertainties for manufacturers that may be passed on to consumers.
TICKET Act
The bill strengthens consumer protections and price transparency in ticketing and gives the FTC stronger enforcement tools, but it also raises compliance burdens that may push costs onto consumers, reduce marketplace inventory/competition, and create regulatory uncertainty for sellers.
Hotel Fees Transparency Act of 2025
The bill increases upfront price transparency for hotel and short-term rental consumers and gives states more enforcement tools, but it imposes compliance and litigation costs on businesses and may limit some stronger state-level advertising protections.
Designating March 5, 2026, as "National Slam the Scam Day" to raise awareness about pervasive scams and to prevent government imposter scams and other types of scams by promoting education about such scams.
The resolution could reduce scam losses and prompt stronger agency outreach through public education, but it may not fix root causes, could require new spending, and risks undermining trust in legitimate government communications.
Designating March 6, 2025, as "National Slam the Scam Day" to raise awareness about pervasive scams and to promote education to prevent government imposter scams and other types of scams.
The resolution improves recognition of and support for senior-targeted scams—helping agencies justify prevention and likely reducing victimization—while risking modest taxpayer costs and potential increases in public anxiety or reduced trust in legitimate official communications.
Women's Retirement Protection Act
The bill strengthens legal spousal protections and funds targeted grant programs and consumer resources to improve retirement security for women and retirees, but it increases federal spending and creates new compliance burdens, potential delays in access to funds, and risks that grants and mandates may favor larger organizations or fail to deliver measurable outcomes.
American Housing and Economic Mobility Act of 2025
The bill directs substantial federal funding and new rules to expand affordable, accessible, and fair housing and to increase banking/community accountability — trading off higher federal spending, increased construction and compliance costs, and greater regulatory and tax burdens that could slow some private investment and create administrative challenges.
PARSA
The bill prioritizes protecting retirement assets and participant data from exposure to foreign-adversary or sanctioned entities and increases transparency and oversight — at the cost of higher compliance and reporting burdens, potential divestments that could lower returns, and added liability and operational challenges for plan sponsors and service providers.
GENIUS Act of 2025
The bill trades stronger consumer protections, clearer supervisory pathways, and financial‑stability safeguards for payment stablecoins against higher compliance costs, reduced competition favoring banks and incumbents, regulatory complexity, and some privacy and creditor‑recovery trade‑offs.
