This legislation would ban most stock ownership and trading by senior government officials to prevent conflicts of interest. Specifically, it would prohibit the President, Vice President, Members of Congress, and their spouses and dependent children from holding, purchasing, or selling individual stocks, stock futures, and commodities, though they could still hold diversified mutual funds and Treasury securities. Senior executive branch officials at certain levels would face the same restrictions. Current officeholders and those already in office when the law takes effect would have 180 days to divest their holdings. The bill includes enforcement mechanisms, requiring violators to return any profits to the Treasury and pay fines of up to $10,000 or more, with potential civil penalties. Additionally, the legislation requires senior government officials to report when they, their spouses, or dependent children receive federal payments such as loans, contracts, or grants within 30 to 45 days of receipt, with $500 fines for failure to report. The bill also mandates that Congress and the executive branch make financial disclosure forms publicly available online in searchable, downloadable formats within 18 months of enactment.