Requires the $20 bill to feature a prominent portrait of Harriet Tubman on the front. It sets two deadlines: a public preliminary design must be released by December 31, 2026, and no $20 notes may be printed after December 31, 2028 unless they prominently feature Harriet Tubman.

It updates federal currency law to make this change. It also includes Congressional findings about the history of U.S. paper money and past and current portraits on U.S. currency. The requirement applies to future printing and does not direct a recall of existing $20 bills.