S. 3555, called the STOCK Act 2.0, expands restrictions on stock trading and financial conflicts of interest for high-ranking government officials and improves transparency of their finances. The bill requires Members of Congress, federal judges, the President, Vice President, and Federal Reserve officials to divest from individual stocks, bonds, cryptocurrencies, and other securities within 120 days of taking office or inheriting such assets, with limited extensions available. It also establishes new reporting requirements for these covered officials to disclose within 30 to 45 days any payments or grants they or their immediate family members receive from the federal government, with penalties of at least $5,000 for failing to report and fines of at least 10 percent of the asset value for trading violations. Additionally, the bill requires Congress, the courts, and the Office of Government Ethics to create searchable online databases of financial disclosures that are accessible to the public through websites and application programming interfaces within 18 months of enactment, making it easier for citizens to track officials' financial interests.