This bill amends federal lending disclosure laws to make mortgage processes simpler and less costly for both lenders and borrowers. The legislation relaxes several strict compliance requirements by allowing lenders more flexibility on closing cost estimates, reducing mandatory waiting periods between disclosures in certain situations, and expanding tolerances for interest rate accuracy from 0.125 percentage points. It also provides legal protections for lenders who rely on settlement agents or follow Consumer Financial Protection Bureau guidance, and gives lenders 60 days to fix first-time violations before facing penalties. The bill requires the Consumer Financial Protection Bureau to issue updated regulations within 180 days to clarify standards for vendor management and oversight. Overall, the changes are intended to reduce compliance burdens on mortgage lenders while preserving consumer protections through restitution rights for any financial harm.

The Sustainable Homeownership Act modifies how Freddie Mac and Fannie Mae operate by imposing new restrictions on high loan-to-value mortgages (those with less than 20 percent down payments), requiring private mortgage insurance with coverage ranging from 6 to 35 percent depending on the loan amount, while allowing exceptions for low-income borrowers and certain refinances. The bill caps both enterprises' mortgage asset holdings at 8 percent of total assets, requires them to transfer most credit risk to private investors within two years, mandates non-discriminatory pricing practices, and prohibits purchases of mortgages with simultaneous home equity lines of credit. Additionally, it authorizes the Treasury Secretary to convert the government's stock holdings in these enterprises into common equity and directs the Federal Housing Finance Agency to establish capital standards within 90 days to enable the enterprises to exit conservatorship within two years. Revenues from mortgage-backed securities would be directed toward deficit reduction or affordable and middle-income housing development, with most provisions taking effect 180 days after the bill becomes law.

The Working Families Home Construction Act of 2026 allows two major government-sponsored mortgage companies, Fannie Mae and Freddie Mac, to purchase and securitize construction loans made by banks, credit unions, and housing finance agencies to builders constructing affordable homes for middle-income families. The loans are capped at $100,000 per home and $2.4 million per project, can be used for land acquisition, infrastructure development, and construction costs, and must be sold to families earning between 90 and 130 percent of their area's median income with a requirement that buyers live in the home for at least one year. The bill requires builders to contribute at least 10 percent of project capital and allocates 22 percent of Fannie Mae's and Freddie Mac's new lending capacity to this program, reducing their traditional mortgage purchase allocations from 65 percent to 53 percent and from 35 percent to 25 percent respectively. This legislation aims to increase the supply of affordable housing for working families by directing existing government-backed mortgage infrastructure toward residential construction projects.

The PROTECT USA Act of 2026 prohibits American companies in extractive and manufacturing industries from complying with foreign environmental and social responsibility regulations, particularly the European Union's Corporate Sustainability Due Diligence Directive. The bill defines "entities integral to the national interests of the United States" as U.S.-based businesses conducting substantial domestic operations, and prevents them from undertaking sustainability assessments, implementing environmental or social improvements, or reporting on impacts as required by foreign rules. The legislation includes narrow exceptions for companies complying with U.S. federal law or conducting ordinary business activities, and establishes a hardship relief process where the President can grant exemptions if denial would harm the U.S. economy or national interests. The bill also prohibits adverse actions against these companies for non-compliance and makes foreign court judgments unenforceable in U.S. courts, with violations subject to civil penalties up to $1 million. The bill was introduced in June 2026 and referred to the House Energy and Commerce Committee and Judiciary Committee, but includes no specific funding or implementation timeline.

This bill prohibits the U.S. Patent and Trademark Office from issuing patents to entities identified as national security threats, specifically targeting Chinese military companies and telecommunications equipment providers listed by federal agencies. The legislation makes any patents already issued to these entities unenforceable and blocks expedited patent review procedures for them, though affected companies can still file patent applications and have them examined normally. The President can waive these restrictions for periods of up to 180 days at a time if deemed necessary for national security, but must notify Congress at least 30 days in advance with detailed justification. The bill primarily affects Chinese military-industrial companies on Treasury Department sanctions lists, Chinese military companies identified in annual defense reports, and foreign telecommunications firms on the Federal Communications Commission's restricted equipment list. No specific funding or implementation timeline is specified in the legislation beyond the presidential waiver renewal periods.

The Foreign Adversary Patent Disclosure Act requires people filing patent applications with the U.S. Patent and Trademark Office to disclose any connections to foreign adversaries, specifically China, Cuba, Iran, North Korea, and Russia. Applicants must reveal if they or anyone with ownership interest in the invention were employed by entities controlled by these countries, received funding from state-affiliated research programs, or received other financial incentives from these nations within the previous five years. The Patent and Trademark Office Director can request supporting documents like contracts or agreements related to these disclosures, which can be kept confidential and separate from the public patent file. Small business concerns that are already subject to other disclosure requirements under the Small Business Act are exempt from this requirement. The bill does not specify funding amounts or implementation timelines beyond the requirement that these disclosures be made at the time of patent application submission.

The TRAIN Act directs the Secretary of State to provide training to government officials in friendly South and Central Asian countries on how to evaluate, assess, and reduce risks associated with accepting investments or loans from foreign adversaries like China. The training must be made available within one year of the bill's enactment and will focus on helping these countries understand the legal, financial, and national security implications of major deals with hostile foreign powers. Starting two years after enactment, the State Department must submit annual reports to Congress detailing the training provided and analyzing any lending or investment agreements these countries enter into with foreign adversaries. The Secretary will coordinate this effort with multiple federal agencies including the Export-Import Bank, the International Development Finance Corporation, and the U.S. Trade Representative to ensure a comprehensive approach to addressing China's Belt and Road Initiative and similar programs in the region.

The BRIDGE Act requires the State Department to prepare a comprehensive report on China's Belt and Road Initiative and how it threatens U.S. interests, along with a detailed government-wide strategy to counter it. The report, due within 180 days of enactment, must assess China's efforts to use the Belt and Road Initiative to create an alternative international order, evaluate current U.S. government tools to counter it, and recommend how the State Department, Commerce Department, and the International Development Finance Corporation should coordinate resources to compete economically against China. Within one year, these agencies must also submit an implementation plan that includes specific metrics, monitoring methods, and ways to work with international allies, particularly in the Indo-Pacific region. The legislation reflects congressional concern that while the U.S. has taken some steps to counter China's infrastructure initiatives, it lacks a unified, coordinated strategy across the federal government.

The Promoting Innovation in Blockchain Development Act proposes to amend federal money laundering laws by modifying how they apply to cryptocurrency and blockchain activities. Specifically, the bill would change the legal definition of who qualifies as a "money transmitter" under existing law to clarify the treatment of digital assets and blockchain-related transactions. The legislation affects cryptocurrency developers, blockchain companies, and anyone involved in handling digital currencies or token-based systems, as well as law enforcement agencies responsible for enforcing anti-money laundering regulations. While the bill text provided does not specify funding amounts or implementation timelines, the amendment targets section 1960 of Title 18 of the U.S. Code, which currently governs money laundering penalties and enforcement. The bill was introduced in February 2026 and referred to the House Judiciary Committee for consideration.

H.R. 7495 authorizes the creation of two memorials honoring Wisconsin infantry regiments that fought in major Civil War battles—one at Antietam National Battlefield commemorating five Wisconsin regiments from the 1862 battle there, and another at Manassas National Battlefield Park honoring three Wisconsin regiments from the Second Battle of Bull Run. The bill places the Secretary of the Interior in charge of approving memorial locations, designs, and selecting the organizations that will build them, while explicitly prohibiting the use of federal funds for design, acquisition, site preparation, or installation. The bill requires annual reports from the organizations building the memorials and allows the Secretary to suspend the project if fundraising efforts misrepresent federal involvement. Once built, the federal government will maintain the memorials, though private donations for maintenance can be accepted and managed through the National Park Foundation.

The Middle Class Home Tax Elimination Act would remove the current dollar limits on how much profit homeowners can exclude from federal taxes when they sell their primary residence. Currently, homeowners can exclude up to $250,000 in gains (or $500,000 for married couples filing jointly), but this bill would eliminate those caps entirely, allowing homeowners of any income level to avoid paying capital gains taxes on unlimited profits from home sales. The change would apply immediately to any home sales occurring after the bill becomes law. This legislation would primarily benefit middle and upper-class homeowners, particularly those in high-cost housing markets where home appreciation often exceeds current exclusion limits. The bill was introduced in January 2026 and referred to the House Ways and Means Committee for consideration.

The Merger Agreement Approvals Clarity and Predictability Act requires the Government Accountability Office (GAO) to conduct a comprehensive study on how federal banking regulators handle bank merger applications. The study will examine whether the conditions and commitments that regulators impose on banks seeking to merge actually align with what federal law requires, or if regulators are considering factors beyond their legal authority. This affects all insured depository institutions including banks and credit unions that want to merge or acquire other financial institutions, as well as the four main federal banking regulators: the Federal Reserve, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, and National Credit Union Administration. The GAO must complete this study and report its findings to Congress within one year of the bill becoming law, with no specific funding allocated in the legislation.

This resolution honors the victims of an attack during a Christmas parade in Waukesha, Wisconsin, on November 21, 2021.

Keeping Violent Offenders Off Our Streets Act of 2025This bill broadens the definition of the term business of insurance, for the purposes of federal crimes related to insurance fraud, to include the posting of monetary bail, criminal bail bonds, and federal immigration bail bonds.Under the bill, entities and organizations that pay cash bond or bail for defendants (e.g., charitable bail funds) are engaged in the business of insurance under federal law and subject to federal criminal provisions related to insurance fraud, as well as state licensing requirements and regulation by state insurance commissions.

NDO Fairness Act This bill increases the requirements the government must meet to obtain a nondisclosure order (NDO) under the Stored Communications Act (SCA).The SCA generally prohibits providers of remote computing services or electronic communication services (providers) from disclosing stored electronic communications or records (e.g., emails) or information pertaining to customers or subscribers. However, the SCA authorizes the government seek a warrant, order, or subpoena to compel providers to disclose electronic communications or records or information pertaining to customers or subscribers during an investigation. Providers may notify customers and subscribers of the warrant, order, or subpoena unless the government obtains a court order—an NDO—that delays the notification.This bill raises the standard the government must meet to obtain (or extend) an NDO. The bill also requires the court, before issuing an NDO, to issue a written determination that the standard was met based on specific and articulable facts, and to review the underlying warrant, order, or subpoena. The bill requires NDOs to be narrowly tailored. It also limits their duration to 90 days for most investigations, though it permits a duration of up to one year for investigations pertaining to an offense involving child pornography or sexual exploitation of children.Finally, the bill requires the Department of Justice to report annually on data related to NDOs, including the number of customers or subscribers targeted; applications for orders; orders granted, extended, or denied; and orders targeting members of the media or conduct related to certain protected activities.

Combatting Money Laundering in Cyber Crime Act of 2025This bill expands the investigative authority of the U.S. Secret Service, extends reporting requirements related to public-private information sharing, and requires the Government Accountability Office (GAO) to evaluate existing requirements to combat money laundering and related crimes.Specifically, the bill authorizes the Secret Service to investigate money laundering and structured transactions (i.e., structuring currency transactions to evade currency reporting requirements).Additionally, the bill extends the requirement for the Financial Crimes Enforcement Network (FinCEN) to report on the efforts of the FinCEN Exchange. The FinCEN Exchange is a voluntary public-private information sharing partnership among law enforcement agencies, national security agencies, financial institutions, and FinCEN to combat money laundering and related crimes, including the financing of terrorism.The bill also extends the requirement for the U.S. executive director at the International Monetary Fund to support the increased use of the fund's administrative budget to help members prevent money laundering and the financing of terrorism. The requirement expires on December 20, 2025.Finally, the bill directs the GAO to report on implementation of provisions of the Anti-Money Laundering Act of 2020 that expanded information sharing with tribal authorities and expanded reporting requirements related to money laundering and terrorist financing. The GAO must focus on evaluating the ability of law enforcement to identify and deter money laundering in cybercrimes.

Bank Competition Modernization ActThis bill allows financial regulators to approve certain bank mergers without considering if the merger is noncompetitive or monopolistic.Currently, regulators are prohibited from approving a bank acquisition, merger, or consolidation that would result in a monopoly, that would be in furtherance of a conspiracy or attempt to create a monopoly, the approval of which would substantially lessen competition, or that would otherwise restrain trade.The bill prohibits regulators from considering these factors for mergers that would result in an entity with less than $10 billion in assets. This threshold must be adjusted annually to reflect increases in the U.S. nominal gross domestic product.

Stopping Teachers Unions from Damaging Education Needs Today Act or the STUDENT ActThis bill revises the federal charter for the National Education Association.The bill specifies that the corporation and its state and local affiliates may only accept payment of membership dues or fees from a state or local government employee if the employee (1) has been notified of the employee's right under the First Amendment to refrain from membership and payment of associated dues or fees, (2) has clearly and affirmatively consented to membership and payment of associated dues or fees, and (3) has authorized the transmittal of membership dues or fees without the use of payroll deduction.Further, the corporation and its state or local affiliates must process and honor cancellation requests for membership or payment of dues as soon as practicable following receipt of the request.The bill also outlines requirements for the corporation, such as prohibiting the corporation or its directors or officers from contributing to, supporting, or participating in political activities;requiring each officer of the corporation to be a U.S. citizen; requiring the corporation to submit annual reports to Congress;prohibiting the corporation and its affiliates from requiring staff, officers, affiliates, or members to affirm, adopt, or adhere to certain principles related to race or sex; andprohibiting the corporation and its affiliates from calling or participating in a strike, work stoppage, or slowdown affecting a state or local government.The bill repeals the corporation's exemption from District of Columbia property taxes.

This bill prohibits U.S. courts from enforcing judgments against American technology companies when those judgments stem from foreign digital market regulations—particularly those that differ significantly from U.S. law. The legislation specifically targets regulations like the European Union's Digital Markets Act, which imposes requirements around data sharing, interoperability, and fair competition on large tech platforms. The bill defines protected companies as those doing business with the federal government, organized under U.S. law, and providing "core platform services" like major social media or search platforms. It grants the President broad authority to take unspecified actions to shield these companies from foreign regulatory enforcement, considering impacts on U.S. consumers, economic security, and international relations. The bill contains no specific funding requirements or implementation timelines but would substantially limit the ability of foreign governments to regulate American technology companies operating abroad.

This bill prohibits U.S. companies deemed "integral to national interests" from complying with foreign sustainability regulations, particularly the European Union's Corporate Sustainability Due Diligence Directive. Companies affected include those in extractive industries (mining, fossil fuels, agriculture, timber), manufacturing, defense, and critical mineral production that derive at least 25 percent of revenue from these sectors, as well as any firm the President designates as nationally important. The law allows exceptions only for compliance with U.S. law or ordinary business activities, and companies facing hardship can petition the President for exemptions within a 30-day review period. The bill authorizes the President to take action to protect affected companies and establishes civil enforcement mechanisms, including private lawsuits against those taking adverse actions, with penalties up to $1 million and potential loss of federal contracting eligibility for up to three years. No federal funding or specific timeline is specified in the legislation.

This bill gives the National Credit Union Administration Board (NCUA) flexibility to increase the maximum loan maturity period for federally chartered credit unions from 15 years to 20 years or longer, as determined by the Board through regulation. The legislation primarily affects credit unions and their members by potentially allowing longer repayment periods on loans, particularly for mortgages and other major lending products. The bill emphasizes that any changes must prioritize the safety and soundness of credit unions as a key regulatory principle. No specific funding or implementation timeline is included in the legislative text provided, as the bill primarily grants regulatory authority to the NCUA to modify lending rules.

This bill would restrict proxy advisory firms—companies that advise shareholders on how to vote on corporate matters—from offering services when they have financial conflicts of interest. Specifically, the law would prohibit proxy advisors from making voting recommendations if they also provide consulting services to companies, change their voting advice based on whether a company buys their services, provide advice on matters where they're simultaneously engaged with shareholders pushing for proposals, or are affiliated with organizations supporting shareholder proposals. The Securities and Exchange Commission would enforce these rules by investigating violations and imposing civil penalties against offending firms and individuals involved in the violations. The bill does not specify funding amounts or implementation timelines beyond establishing the Commission's authority to pursue enforcement actions.

Insurance Data Protection ActThis bill limits the ability of federal entities to compel insurance companies to share information.Specifically, the bill eliminates the subpoena power of the Federal Insurance Office. Under current law, the office has the power to subpoena information from insurers to, among other purposes, identify issues that could contribute to a systemic crisis in the insurance industry or the U.S. financial system.The bill also eliminates the ability of the Office of Financial Research to subpoena insurance companies.When seeking to collect insurance company data under specified consumer protection laws, a financial regulator must obtain the data from other regulators or from publicly available sources if possible. Otherwise, the financial regulator may only collect this data directly from the insurance company if the regulator complies with the Paperwork Reduction Act.

The HUMPS Act of 2025 requires federal banking regulators to overhaul the CAMELS rating system used to evaluate bank safety and soundness. CAMELS ratings assess banks on Capital adequacy, Asset quality, Management, Earnings, Liquidity, and Sensitivity to market risk, and these scores determine critical matters like merger approvals and deposit insurance premiums. The bill mandates that regulators establish clear, objective criteria for each rating component and either eliminate the subjective "Management" category entirely or limit it to measurable governance factors. Within 12 months of passage, banking agencies must jointly issue new rules after a 90-day public comment period to implement these changes. The legislation aims to reduce examiner subjectivity and create more consistent, transparent bank ratings focused primarily on financial condition rather than regulatory judgment calls.

This bill prevents federal agencies and opposing parties from regulating or suing attorneys for their litigation activities, reserving that authority exclusively to state and federal courts. The legislation adds a new section to federal law establishing that federal agencies have no regulatory or enforcement power over lawyers engaged in court cases and that private citizens cannot sue opposing attorneys in federal court for alleged misconduct during litigation. The bill also amends the Fair Debt Collection Practices Act and the Consumer Financial Protection Act to explicitly exempt attorneys engaged in litigation activities from those laws' regulatory reach. The bill responds to concerns that the Consumer Financial Protection Bureau and other federal agencies have increasingly regulated attorney conduct in debt collection cases, creating conflicting rules and making it harder for attorneys to represent clients effectively. Congress finds that state courts and disciplinary bars have sufficient tools—including sanctions, license suspension, and disbarment—to oversee attorney conduct and believes this traditional system should be preserved.