H.R. 3779 significantly restricts stock ownership and increases financial transparency for senior federal officials, including Members of Congress, the President, Vice President, Supreme Court justices, Federal Reserve officials, and certain senior staff. The bill bans these officials and their spouses and dependent children from owning individual stocks, commodities, cryptocurrencies, and other securities (though diversified funds and Treasury bonds are allowed), requiring them to divest within 120 days, with inherited assets subject to a 120-day sale requirement after inheritance. The legislation also requires detailed reporting of all federal payments within 30-45 days and establishes searchable, publicly accessible online databases of financial disclosures with disability-compliant access and API capabilities. Penalties for non-compliance include $5,000 fines for reporting violations and enforcement penalties of at least 10 percent of the value of improperly held financial interests. The new transparency and database requirements take effect 18 months after enactment, with agencies able to request additional implementation time if needed.