Track bills, resolutions, and amendments moving through Congress
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.
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.
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.
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.
Foreign Robocall Elimination Act
The bill strengthens tools, data‑sharing, and enforcement to cut unlawful international robocalls and reduce consumer harm, but it increases privacy and legal‑remedy risks, can impose reputational and financial costs on providers (especially smaller entrants), and requires federal resources and administrative oversight to implement.
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.
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.
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.
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.
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.
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 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.
