Legislative subject term
Bank accounts, deposits, capital
A legislative subject term is one of any number the Congressional Research Service assigns to a bill. The term is the government's own wording, shown word for word; this site did not write it or choose it.
144 bills carry this term in the covered Congresses.
Follow this topic by feed — new official actions on these bills, no account needed.
Bills, most recent action first
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Safe Access to Cash Act of 2026
Held at the desk.
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Consumer Financial Protection Accountability and Reform Act of 2026
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 21.
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American Reserve Modernization Act of 2026
Ordered to be Reported (Amended) by the Yeas and Nays: 28 - 21.
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Northern Nevada Economic Development and Conservation Act of 2026
Received in the Senate and Read twice and referred to the Committee on Energy and Natural Resources.
- H.R. 3633 (119th) Sep 15, 2026
Digital Asset Market Clarity Act
Motion by Senator Tillis to reconsider the vote by which cloture on the motion to proceed to the measure was not invoked (Record Vote No. 234) entered in Senate.
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Earned Wage Access Consumer Protection Act
Placed on the Union Calendar, Calendar No. 690.
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STOP Payments Fraud Act of 2026
Placed on the Union Calendar, Calendar No. 692.
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Emergency Savings Enhancement Act of 2025
Placed on Senate Legislative Calendar under General Orders. Calendar No. 544.
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Carson City Public Land Correction Act
Placed on Senate Legislative Calendar under General Orders. Calendar No. 488.
- H.R. 6955 (119th) Jul 22, 2026
Main Street Capital Access Act
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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Failing Bank Acquisition Fairness Act
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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Offshore Leasing Standards and Accountability Act of 2026
Committee on Energy and Natural Resources Subcommittee on Public Lands, Forests, and Mining. Hearings held.
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Campaign Finance Transparency Act
Placed on the Union Calendar, Calendar No. 651.
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Protecting Americans’ Retirement Savings From Politics Act
Placed on the Union Calendar, Calendar No. 618.
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Main Street Competes Act
Received in the Senate and Read twice and referred to the Committee on the Judiciary.
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Bank Fraud Technology Advancement Act of 2026
Placed on the Union Calendar, Calendar No. 612.
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Offshore Leasing Standards and Accountability Act of 2026
Referred to the House Committee on Natural Resources.
- H.R. 3234 (119th) May 21, 2026
Keeping Deposits Local Act
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- H.R. 5317 (119th) May 21, 2026
Community Bank Deposit Access Act of 2025
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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Advancing Commonsense Policies Act
Referred to the Subcommittee on Livestock, Dairy, and Poultry.
- H.Res. 1299 (119th) May 20, 2026
Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment.
Motion to reconsider laid on the table Agreed to without objection.
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SMART Act of 2025
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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TRUST Act of 2025
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- S.J.Res. 130 (119th) May 13, 2026
A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices".
Motion to proceed to consideration of measure rejected in Senate by Yea-Nay Vote. 47 - 53. Record Vote Number: 123. (consideration: CR S2265-2266)
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A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Truth in Lending (Regulation Z); Use of Digital User Accounts to Access Buy Now, Pay Later Loans".
Motion to proceed to consideration of measure rejected in Senate by Voice Vote. (consideration: CR S2272)
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Community Bank Regulatory Tailoring Act
Placed on the Union Calendar, Calendar No. 480.
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HONOR Act
Held at the desk.
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Protecting Private Job Creators Act
Placed on the Union Calendar, Calendar No. 448.
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Regulation A+ Improvement Act of 2025
Placed on the Union Calendar, Calendar No. 451.
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TIER Act of 2025
Placed on the Union Calendar, Calendar No. 457.
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Community Bank Representation Act
Placed on the Union Calendar, Calendar No. 458.
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Main Street Depositor Protection Act
Committee on Banking, Housing, and Urban Affairs. Hearings held.
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Rural Depositories Revitalization Study Act
Placed on the Union Calendar, Calendar No. 404.
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Least Cost Exception Act
Placed on the Union Calendar, Calendar No. 405.
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Digital Commodity Intermediaries Act
Placed on Senate Legislative Calendar under General Orders. Calendar No. 312.
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504 Program Risk Oversight Act
Received in the Senate and Read twice and referred to the Committee on Small Business and Entrepreneurship.
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End the Fed’s Big Bank Bailout Act
Committee on Homeland Security and Governmental Affairs. Hearings held.
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Federal Reserve Transparency Act of 2025
Committee on Homeland Security and Governmental Affairs. Hearings held.
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Delivering On Government Efficiency in Spending Act
Committee on Small Business and Entrepreneurship. Hearings held.
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Emergency Savings Enhancement Act of 2025
Referred to the Committee on Education and Workforce, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
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Bank Competition Modernization Act
Placed on the Union Calendar, Calendar No. 317.
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Stress Testing Accountability and Transparency Act
Placed on the Union Calendar, Calendar No. 318.
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Merchant Banking Modernization Act
Placed on the Union Calendar, Calendar No. 320.
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PEACE Act of 2025
Placed on the Union Calendar, Calendar No. 277.
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Small Business Investor Capital Access Act
Placed on the Union Calendar, Calendar No. 211.
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Merchant Banking Modernization Act
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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Recovery of Stolen Checks Act
Read twice and referred to the Committee on Finance.
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Taiwan Conflict Deterrence Act of 2025
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- S. 1582 (119th) Jul 18, 2025
GENIUS Act
Became Public Law No: 119-27.
- H.R. 1919 (119th) Jul 17, 2025
Anti-CBDC Surveillance State Act
Motion to reconsider laid on the table Agreed to without objection.
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Small Bank Holding Company Relief Act
Placed on the Union Calendar, Calendar No. 165.
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Keep Your Coins Act of 2025
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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Delivering On Government Efficiency in Spending Act
Referred to the Committee on Oversight and Government Reform, and in addition to the Committees on Ways and Means, and Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
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Investing in Main Street Act of 2025
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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PEACE Act of 2025
Referred to the Committee on Foreign Affairs, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- H.R. 1 (119th) Jul 4, 2025
An act to provide for reconciliation pursuant to title II of H. Con. Res. 14.
Became Public Law No: 119-21.
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HUMPS Act of 2025
Placed on the Union Calendar, Calendar No. 136.
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Financial Institution Regulatory Tailoring Enhancement Act
Placed on the Union Calendar, Calendar No. 132.
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End Endless Criminal Statutes Act
Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 16 - 14.
- S.J.Res. 18 (119th) May 9, 2025
A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
Became Public Law No: 119-10.
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STABLE Act of 2025
Placed on the Union Calendar, Calendar No. 68.
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Promoting New Bank Formation Act
Placed on the Union Calendar, Calendar No. 64.
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No Paydays for Hostage-Takers Act
Ordered to be Reported by the Yeas and Nays: 45 - 6.
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Recovery of Stolen Checks Act
Received in the Senate and Read twice and referred to the Committee on Finance.
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Disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
Placed on the Union Calendar, Calendar No. 16.
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SCHOOL Act of 2025
Referred to the House Committee on Education and Workforce.
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GENIUS Act of 2025
Placed on Senate Legislative Calendar under General Orders. Calendar No. 33.
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Responsible Legislating Act
Referred to the Subcommittee on Livestock, Dairy, and Poultry.
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PARSA
Referred to the House Committee on Education and Workforce.
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PARSA
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
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CUTS Act
Referred to the Subcommittee on Highways and Transit.
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Investing in Main Street Act of 2025
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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ACCESS Act
Referred to the Committee on Ways and Means, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
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Lowering Costs for Caregivers Act of 2025
Referred to the House Committee on Ways and Means.
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Keep Your Coins Act of 2025
Referred to the House Committee on Financial Services.
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Federal Reserve Transparency Act of 2025
Referred to the House Committee on Oversight and Government Reform.
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Freedom for Families Act
Referred to the House Committee on Ways and Means.
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Native American Education Opportunity Act
Referred to the House Committee on Education and Workforce.
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Education and Workforce Freedom Act
Placed on the Union Calendar, Calendar No. 799.
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Affordable Care and Comprehensive Economic Support through Savings Act
Referred to the Subcommittee on Health.
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Responsible Legislating Act
Referred to the Subcommittee on Health.
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Lowering Costs for Caregivers Act of 2023
Referred to the Subcommittee on Health.
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SCHOOL Act of 2024
Read twice and referred to the Committee on Health, Education, Labor, and Pensions.
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Earned Wage Access Consumer Protection Act
Placed on the Union Calendar, Calendar No. 650.
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Promoting Access to Capital in Underbanked Communities Act of 2023
Placed on the Union Calendar, Calendar No. 649.
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Bank Resilience and Regulatory Improvement Act
Placed on the Union Calendar, Calendar No. 651.
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End Endless Criminal Statutes Act
Referred to the House Committee on the Judiciary.
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Timely Stock Disclosure Act
Ordered to be Reported in the Nature of a Substitute by the Yeas and Nays: 38 - 0.
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Bank Safety Act of 2024
Placed on the Union Calendar, Calendar No. 612.
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Taiwan Conflict Deterrence Act of 2023
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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CUTS Act
Referred to the Committee on Oversight and Accountability, and in addition to the Committees on Appropriations, and Transportation and Infrastructure, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- H.R. 5403 (118th) Jun 3, 2024
CBDC Anti-Surveillance State Act
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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State Trade Expansion Program Modernization Act of 2024
Placed on Senate Legislative Calendar under General Orders. Calendar No. 408.
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Stress Testing Accountability and Transparency Act
Referred to the House Committee on Financial Services.
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Clarity for Payment Stablecoins Act of 2023
Placed on the Union Calendar, Calendar No. 408.
- H.R. 8038 (118th) Apr 23, 2024
21st Century Peace through Strength Act
Pursuant to the provisions of H. Res. 1160, H.R. 8038 is laid on the table.
- H.R. 5826 (118th) Apr 17, 2024
No Paydays for Hostage-Takers Act
Received in the Senate and Read twice and referred to the Committee on Foreign Relations.
- H.R. 5947 (118th) Apr 17, 2024
To provide for the rescission of certain waivers and licenses relating to Iran, and for other purposes.
Motion to reconsider laid on the table Agreed to without objection.
- H.R. 6046 (118th) Apr 17, 2024
Standing Against Houthi Aggression Act
Motion to reconsider laid on the table Agreed to without objection.
- H.R. 6245 (118th) Apr 17, 2024
Holding Iranian Leaders Accountable Act of 2023
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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REPO for Ukrainians Act
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 118-550.
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Native American Rural Homeownership Improvement Act of 2023
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 118-548.
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Bipartisan HSA Improvement Act of 2023
Placed on the Union Calendar, Calendar No. 330.
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HSA Modernization Act of 2023
Placed on the Union Calendar, Calendar No. 317.
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Regulation A+ Improvement Act of 2024
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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Off-Chain Digital Commodity Transaction Reporting Act of 2023
Referred to the Subcommittee on Commodity Markets, Digital Assets, and Rural Development.
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Digital Asset Market Structure and Investor Protection Act
Referred to the Subcommittee on Commodity Markets, Digital Assets, and Rural Development.
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Protecting Americans’ Retirement Savings from Politics Act
Placed on the Union Calendar, Calendar No. 263.
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Keep Your Coins Act of 2023
Placed on the Union Calendar, Calendar No. 262.
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Public Banking Act of 2023
Referred to the Subcommittee on Energy, Climate and Grid Security.
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Russia and Belarus Financial Sanctions Act of 2023
Placed on the Union Calendar, Calendar No. 255.
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SAFER Banking Act
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 118-496.
- H.R. 5961 (118th) Dec 4, 2023
No Funds for Iranian Terrorism Act
Received in the Senate and Read twice and referred to the Committee on Foreign Relations.
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Financial Institution Regulatory Tailoring Enhancement Act
Referred to the House Committee on Financial Services.
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Lowering Costs for Caregivers Act of 2023
Read twice and referred to the Committee on Finance.
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REPO for Ukrainians Act
Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 40 - 2.
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Standing Against Houthi Aggression Act
Read twice and referred to the Committee on Foreign Relations.
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Depositor Protection Act of 2023
Referred to the Committee on Financial Services, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
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Main Street Competes Act
Placed on the Union Calendar, Calendar No. 181.
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CSA OPPORTUNITY Act
Referred to the Subcommittee on Nutrition, Foreign Agriculture, and Horticulture.
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Protect Our Civil Liberties Act
Referred to the Subcommittee on Health.
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Depositor Protection Act of 2023
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 118-453.
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National Infrastructure Bank Act of 2023
Referred to the Subcommittee on Innovation, Data, and Commerce.
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Protecting Americans’ Retirement Savings Act
Referred to the House Committee on Education and the Workforce.
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Failed Bank Executives Clawback Act
Committee on Banking, Housing, and Urban Affairs. Hearings held.
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SAFE Banking Act of 2023
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 118-541.
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Bank Management Accountability Act
Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 118-441.
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SAFE Banking Act of 2023
Referred to the Subcommittee on Economic Opportunity.
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A bill to direct the Secretary of Veterans Affairs to update the payment system of the Department of Veterans Affairs to allow for electronic fund transfer of educational assistance, administered by the Secretary, to a foreign institution of higher education, and for other purposes.
Committee on Veterans' Affairs. Hearings held. Hearings printed: S.Hrg. 118-160.
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Regulation A+ Improvement Act of 2023
Referred to the House Committee on Financial Services.
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Small Business Investor Capital Access Act
Referred to the House Committee on Financial Services.
- H.R. 400 (118th) Jan 26, 2023
Investing in Main Street Act of 2023
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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SCHOOL Act of 2023
Referred to the House Committee on Education and the Workforce.
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Children Have Opportunities in Classrooms Everywhere Act
Read twice and referred to the Committee on Finance.
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Education Savings Accounts for Military Families Act of 2023
Referred to the Committee on Education and the Workforce, and in addition to the Committees on Ways and Means, and Appropriations, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
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Children Have Opportunities in Classrooms Everywhere Act
Referred to the Committee on Ways and Means, and in addition to the Committee on Education and the Workforce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
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Student Empowerment Act
Read twice and referred to the Committee on Finance.
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Education Savings Accounts for Military Families Act of 2023
Read twice and referred to the Committee on Finance.
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Emergency Savings Accounts Act of 2023
Referred to the House Committee on Ways and Means.
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Small Business Emergency Savings Accounts Act of 2023
Referred to the House Committee on Ways and Means.
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Significant Transnational Criminal Organization Designation Act
Referred to the Committee on the Judiciary, and in addition to the Committees on Financial Services, and Rules, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
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Freedom for Families Act
Referred to the House Committee on Ways and Means.
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Federal Reserve Transparency Act of 2023
Referred to the House Committee on Oversight and Accountability.
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Native American Education Opportunity Act
Referred to the House Committee on Education and the Workforce.
A bill gets a page here once it reaches a recorded vote; until then its official record on congress.gov is the link. Every bill in the covered Congresses is tracked either way.