Senate Committee on Banking, Housing, and Urban Affairs

Common Cents Act

Digital Asset Market Clarity Act

Digital Asset Market Clarity Act of 2025 or the CLARITY Act of 2025 This bill establishes a regulatory framework for digital commodities, defined by the bill as digital assets that rely upon a blockchain for their value. The Commodity Futures Trading Commission must generally regulate digital commodities transactions, including digital commodity exchanges, brokers, and dealers. To qualify for trade on an exchange (1) a digital commodity’s blockchain must be mature, or on a blockchain system that has achieved decentralized control as defined by the bill; or (2) the issuer of the digital commodity must file certain reports. The bill establishes requirements for trade monitoring, recordkeeping, and the commingling of customer assets. The bill exempts digital commodities on mature blockchains (and digital commodities on blockchains expected to mature within certain timeframes) from Securities and Exchange Commission (SEC) registration requirements if annual sales fall under a certain amount and other requirements are met. The bill provides the SEC with jurisdiction over digital commodity activities and transactions engaged in by certain brokers and dealers on alternative trading systems and by national securities exchanges. Digital commodity exchanges, brokers, and dealers are subject to the Bank Secrecy Act for anti-money laundering and related purposes. The bill also sets forth requirements for alternative trading systems, previously issued digital commodities, and provisional registration until the bill is implemented. For more information on this bill, see CRS Insight IN12583, Crypto Legislation: An Overview of H.R. 3633, the CLARITY Act .

ADVERSARIES Act

BIS STRENGTH Act

A bill to provide for a ten-year statute of limitations for export control violations under the Export Control Reform Act of 2018.

This bill extends from 5 to 10 years the statute of limitations for civil and criminal violations of U.S. export control laws. The bill also specifies that the commencement of an action, suit, or proceeding includes the issuance of a charging letter. (A charging letter is a formal notification by the Department of Commerce's Bureau of Industry and Security that a company or individual is under investigation for an apparent violation of export administration laws or regulations.)

Green New Deal for Public Housing Act

BINSA Act

Fair Audits and Inspections for Regulators' Exams Act

Insider Trading Prohibition Act

FAIRR Act

Civil Nuclear Export Act of 2026

End Housing Welfare for Illegal Aliens Act

Bus Operator Safety and Security Act

BLADE Act

Enhancing North Korea Humanitarian Assistance Act of 2026

NO PROFIT Act

The bill would make it illegal for people to buy or sell stocks and other securities if they have access to secret, nonpublic information from social media accounts run by government officials. This rule would apply to anyone who knows about such information, whether they work in government or not, and would prevent them from using that inside information to make profitable trades. The law aims to stop unfair advantages in the stock market that could come from early access to government officials' private social media posts.

Federal Insurance Office Abolishment Act of 2026

The proposal would eliminate the Federal Insurance Office, a Treasury Department agency that monitors the insurance industry and advises Congress on insurance-related issues. This would affect insurance companies, regulators, and consumers by removing a federal body that tracks insurance market trends and potential risks. The bill is currently under review by the Senate Banking Committee.

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "Preemption Determination: State Interest-on-Escrow Laws".

Congress would reject a banking regulation that allows national banks to ignore state laws requiring them to pay interest on customer escrow accounts (money held temporarily for things like property taxes or insurance). The rule, created by the Office of the Comptroller of the Currency, would let federal banking rules override stricter state protections for customers' money. This would affect bank customers in states with interest-on-escrow laws, potentially costing them money they would otherwise earn on funds held in escrow.

Digital Equities and No Automatic Disqualifications Act

The bill would require the Commodity Futures Trading Commission and the Securities and Exchange Commission to apply their rules for disqualifying people from working in financial markets in a fair, transparent, and consistent way. These agencies currently have different standards for when they can ban someone from the industry, which can create confusion and unfair outcomes for financial professionals and firms. The legislation aims to make sure both agencies follow similar guidelines and explain their decisions clearly.

Eleanor Smith Inclusive Home Design Act of 2026

New single-family homes and townhouses built with federal funding would need to include basic accessibility features for people with disabilities, such as no-step entries, wider doorways, and accessible bathrooms on the main floor. This requirement would apply to homes financed through federal programs and would make it easier for people with mobility challenges to live in newly constructed housing. The bill affects homebuilders, federal housing programs, and people with disabilities seeking accessible housing options.