Deo gratiam habeamus
Let us be grateful to God
Stop Chinese Fentanyl Act of 2025
The bill strengthens U.S. tools, transparency, and targeted authorities to disrupt fentanyl supply chains while preserving ordinary goods trade, but it risks diplomatic escalation, new compliance and administrative costs, and constraints on some executive sanctions options.
Fair Access to Banking Act
The bill increases access, transparency, and enforcement against arbitrary de‑banking—benefiting lawful consumers, small businesses, and merchants—but does so by imposing new standards, documentation requirements, and penalties that raise compliance and litigation costs and could reduce services or create legal and financial‑stability risks.
To authorize the Secretary of the Treasury to direct the Federal Deposit Insurance Corporation and the National Credit Union Administration to establish emergency transaction account guarantee programs, and for other purposes.
The bill temporarily extends full insurance to non‑interest transaction deposits to protect depositors and stabilize the banking system during stress, at the trade‑off of potential costs to taxpayers/insurer funds, higher charges or reduced lending from banks, and concentrated executive discretion with only short‑term guarantees.
No Tax on Drill Pay Act
The bill modestly increases take‑home pay and reduces tax filing uncertainty for reservists by excluding inactive‑duty training pay from taxable income, at the cost of a small federal revenue loss and some potential administrative/compliance challenges.
Afghanistan Vetting and Accountability Act of 2026
The bill increases vetting and oversight of evacuated Afghan noncitizens to improve government visibility and accountability, but does so at the cost of delayed access to benefits, heightened privacy and stigma risks, and added administrative expense.
The Dalilah Law
The bill tightens immigration- and English-based eligibility for commercial drivers to promote perceived security and safety, but it risks large-scale job losses among immigrant drivers, significant supply-chain and freight cost impacts, potential loss of federal transportation funding, and heavy administrative burdens on states.
Millennium Challenge Corporation Strategic Modernization Act
The bill aims to leverage MCC to shore up critical-mineral supply chains and mobilize private capital while increasing transparency, but it risks politicizing aid, diverting resources toward strategic and commercially attractive projects (sometimes benefiting U.S. firms) and increasing administrative costs, potentially undermining traditional poverty-reduction priorities.
Eliminating Fraud in the CFPB’s Complaint Database Act
The bill prioritizes reducing fraudulent and duplicative complaints and lowering business burdens through identity checks, pre-filing notice, and confidentiality, but risks deterring legitimate filers, delaying enforcement, and reducing public transparency and third‑party advocacy.
Taiwan SOS Act of 2026
The bill clarifies and expands permitted public displays of Taiwan symbols by U.S. personnel and agencies to increase transparency, but does so at the risk of raising tensions with China, reducing diplomatic flexibility, and potentially inviting economic or security retaliation.
Community Bank Relief Act
Automatically indexing the dollar threshold to CPI prevents inflation from eroding coverage and gives predictability to institutions, but it can raise statutory caps that may reduce some consumer protections and imposes a modest recurring administrative burden.