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.
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.
Taxpayer Experience Improvement Act
The bill trades substantially increased transparency, convenience, and electronic access to IRS services for taxpayers (and tools for preparers) against elevated privacy/security risks, implementation and ongoing costs, and potential inequities for those without reliable online access.
Muhammad Ali American Boxing Revival Act of 2026
The bill substantially raises boxer health, safety, pay, and transparency standards — improving protections and fairness for fighters and fans — but does so at the cost of higher compliance and staffing expenses that could reduce smaller promotions, raise consumer prices, strain medical staffing (especially in rural areas), and create implementation and accountability challenges.
Children and Teens’ Online Privacy Protection Act
The bill strengthens privacy, limits targeted advertising, and increases oversight for children and teens—giving families greater control and potential policy improvements—at the cost of higher compliance and operational burdens for online services (especially small businesses), legal uncertainty for operators, and possible reductions in features or access for youth.
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)
$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.
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.
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.
504 Program Risk Oversight Act
The bill increases transparency and targeted risk mitigation for SBA Title V lending—helping policymakers, investors, and vulnerable small businesses—while raising risks of market overreaction, higher administrative costs, and potential reputational or enforcement consequences for lending partners.
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.
Financial Services and General Government and National Security, Department of State, and Related Programs Appropriations Act, 2026
The bill directs substantial, targeted funding and tightens transparency and oversight—strengthening strategic foreign and some domestic programs and taxpayer protections—while imposing many new controls, earmarks, and restrictions that increase administrative burden, reduce executive flexibility, and raise near‑term fiscal costs.
DEFIANCE Act of 2025
The bill strengthens rights and remedies for people harmed by nonconsensual intimate deepfakes—providing recognition, injunctive relief, long statutes of limitation, and substantial monetary damages—while creating risks of broad liability, chilling speech and research, increased moderation and privacy trade-offs, and legal uncertainty for creators, platforms, and courts.
Affordable HOMES Act
The bill reduces regulatory and financial burdens on manufacturers and may keep upfront prices lower for manufactured-home buyers, but it weakens DOE's enforceable authority and enforcement tools, risking higher long-term energy costs, reduced emissions benefits, and lower compliance.
Federal Maritime Commission Reauthorization Act of 2025
The bill strengthens FMC oversight, stakeholder input, data protections, and near-term port funding while increasing confidentiality barriers and compliance requirements that could reduce transparency, impose costs on smaller shippers and carriers, and concentrate agency discretion.
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.
SBA Fraud Enforcement Extension Act
The bill gives grant recipients clearer, shorter legal exposure windows and reduces potential government costs, but it also narrows prosecutors' and whistleblowers' time to pursue fraud—raising risks of reduced recoveries and weaker deterrence against misuse of relief funds.
Continuing Appropriations, Agriculture, Legislative Branch, Military Construction and Veterans Affairs, and Extensions Act, 2026
This bill secures funding continuity and expands targeted services (notably for veterans, health care access, and rural programs) for early FY2026 while trading off higher federal outlays, weakened budget enforcement and oversight, program rescissions, and added constraints and administrative burdens on agencies.
Homebuyers Privacy Protection Act
The bill strengthens consumer privacy and oversight around mortgage-related prescreening and orders a GAO study to inform further action, but it introduces compliance costs, possible mortgage-processing delays, and legal uncertainty that could blunt or postpone benefits.
VA Home Loan Program Reform Act
The bill expands and formalizes VA loss-mitigation and homelessness funding to keep veterans in their homes and stabilize services, but it does so with limits on judicial review, new federal liens and fiscal exposure for taxpayers, and time‑limited or uncertain funding that could leave unresolved risks and future gaps.
Small Entity Update Act
The bill reduces regulatory burden for more small SEC-regulated firms by broadening and inflation-indexing small-entity thresholds and increases congressional oversight, but it risks diluting investor protections, raises administrative costs for taxpayers, and may create periodic uncertainty for firms.
Equal Opportunity for All Investors Act of 2025
The bill expands access to private offerings for knowledgeable non‑wealthy investors via a free SEC‑designed exam (potentially improving investor understanding), but raises the risk that more retail investors will suffer losses from complex private securities and creates administrative costs and potential weaknesses if the exam standard is inadequate.
