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S. 3662

BillFederalSenateIn Committee
ACCESS Act of 2026
About This Bill
Committee
Latest Action · January 15, 2026
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Congress
119th (2025–2027)
Introduced
January 15, 2026
Cosponsors (1)
1D 0R
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Summary

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The ACCESS Act raises the financial reporting threshold for small businesses using crowdfunding to raise capital. Under current law, companies raising more than $100,000 through crowdfunding must have their financial statements reviewed by an independent public accountant; this bill increases that threshold to $250,000, reducing the regulatory burden on smaller fundraising efforts. The Securities and Exchange Commission is given the authority to further increase this threshold up to $400,000 based on recommendations from the Office of the Advocate for Small Business Capital Formation and the Office of the Investor Advocate. The bill also includes technical corrections to references within the Securities Act of 1933. Overall, the legislation aims to make it easier and less costly for small businesses to raise money through crowdfunding by delaying the point at which expensive independent financial audits become mandatory.

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