Small business owners

What our breakdowns say each bill would mean for you, from groups whose heading contains business, small business, LLC, corporation, your company, growing company, tech company, brand or restaurant. Newest official action first.

17 bills72 points

H.R. 1721

Critical Infrastructure Manufacturing Feasibility Act

Latest official action Oct 20, 2026 · Drafted by AI, awaiting review

If you run a business

You don't have to answer

The Commerce Department cannot force you to hand over information for this study.
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This section may not be construed to provide the Secretary of Commerce with authority to compel a person to provide information[2] Enrolled Bill · Sec. 2(c)

Read the full breakdown of H.R. 1721

H.R. 5334

Lindsey O. Graham Sanctioning Russia and Iran Act of 2026

Latest official action Sep 18, 2026 · Drafted by AI, awaiting review by two people

If you run a business that deals with Russia

Bans on energy exports, some services, and new deals

No energy made in the United States may be sent to Russia.
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The export, reexport, or in-country transfer to or in the Russian Federation of any energy or energy product produced in the United States.[6] H.R. 5334 as passed by both chambers (enrolled) · Div. A, Sec. 108(a)(1)(B)
The Treasury will name kinds of services that may not be sold to anyone in Russia.
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any category of services identified by the Secretary of the Treasury, in consultation with the Secretary of State, to any person located in the Russian Federation[6] H.R. 5334 as passed by both chambers (enrolled) · Div. A, Sec. 107(2)
Selling food, farm goods, medicine, or medical devices is not covered.
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the conduct or facilitation of a transaction for the provision of agricultural commodities, food, medicine, medical devices, humanitarian assistance, or for humanitarian purposes[6] H.R. 5334 as passed by both chambers (enrolled) · Div. A, Sec. 114(a)(1)(A)
Work under a Treasury general license issued before the law is not covered.
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operating under the terms of a general license issued by the Department of the Treasury before the date of the enactment of this Act[6] H.R. 5334 as passed by both chambers (enrolled) · Div. A, Sec. 114(h)(1)
For 270 days after the law, the sanctions do not cover closing or selling off a business in Russia that Russians do not own or control.
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During the 270-day period beginning on the date of the enactment of this Act, sanctions under this title shall not apply[6] H.R. 5334 as passed by both chambers (enrolled) · Div. A, Sec. 114(i)an activity related to the winddown or divestiture of operations in the Russian Federation by an entity located in the Russian Federation that is not owned or controlled, directly or indirectly, by a Russian person[6] H.R. 5334 as passed by both chambers (enrolled) · Div. A, Sec. 114(i)(1)
Breaking these bans carries the same penalties as breaking other sanctions under the International Emergency Economic Powers Act.
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The penalties provided for in subsections (b) and (c) of section 206 of the International Emergency Economic Powers Act (50 U.S.C. 1705) shall apply[6] H.R. 5334 as passed by both chambers (enrolled) · Div. A, Sec. 116(b)to the same extent that such penalties apply to a person that commits an unlawful act described in subsection (a) of that section[6] H.R. 5334 as passed by both chambers (enrolled) · Div. A, Sec. 116(b)

Read the full breakdown of H.R. 5334

H.R. 1869

Protecting American Industry and Labor from International Trade Crimes Act of 2026

Latest official action Sep 14, 2026 · Drafted by AI, awaiting review

If you work in manufacturing or run a business that competes with imports

More prosecutors aimed at import cheating

The bill targets people who evade duties and tariffs, which supporters say undercuts American companies and workers.
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in furtherance of the evasion of duties, tariffs, and other import- and export-related fees, import and export restrictions[2] Engrossed in House (August 31, 2026) · Sec. 2undercutting American wages and gutting rural manufacturing towns that once thrived with good-paying jobs[6] Congressional Record, House, August 31, 2026 (H5273-H5275) · H5274, Rep. Hinson
The team would also work with industry and the public on trade crime cases.
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promote and ensure effective interaction with law enforcement, industry representatives, and the public in matters relating to trade-related crimes[2] Engrossed in House (August 31, 2026) · Sec. 3(b)(3)

Read the full breakdown of H.R. 1869

H.R. 6500

Continuing Appropriations and Extensions Act, 2027

Latest official action Sep 2, 2026 · Drafted by AI, awaiting review

If you farm, ranch, or run a small business

Some loan programs can grow to meet demand

Farm Service Agency farm ownership loans can be funded at the rate needed to cover approved applications.
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may be apportioned up to the rate for operations necessary to accommodate approved applications for direct and guaranteed farm ownership loans[2] H.R. 6500 as passed by both chambers (enrolled) · Div. A, Sec. 116
Small business loans can be funded at the rate needed to meet higher demand.
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Small Business Administration—Business Loans Program Account[2] H.R. 6500 as passed by both chambers (enrolled) · Div. A, Sec. 133may be apportioned up to the rate for operations necessary to accommodate increased demand for commitments for general business loans authorized under paragraphs (1) through (35) of section 7(a) of the Small Business Act[2] H.R. 6500 as passed by both chambers (enrolled) · Div. A, Sec. 133
Grain inspection fees and livestock market reports go on until December 11, 2026.
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this section extends the authority of the Federal Grain Inspection Service (FGIS) through December 11, 2026, to (1) collect fees[1] Official bill status record for H.R. 6500 · CRS summary (Public Law), Sec. 2001section 942 of the Livestock Mandatory Reporting Act of 1999 (7 U.S.C. 1635 note; Public Law 106–78) shall be applied by substituting the date specified in section 106(3) of this Act for September 30, 2026[2] H.R. 6500 as passed by both chambers (enrolled) · Div. A, Sec. 119December 11, 2026.[2] H.R. 6500 as passed by both chambers (enrolled) · Div. A, Sec. 106(3)

Read the full breakdown of H.R. 6500

S. 2677

Counterfeit Import Information Sharing (S. 2677)

Latest official action Aug 10, 2026 · Drafted by AI, awaiting review

If you own a brand or a small business

You could get more help spotting copies of your products

If customs has a reasonable suspicion, it could share more about a suspect shipment with you.
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by striking suspects and inserting has a reasonable suspicion[2] Engrossed in Senate (August 7, 2026) · Sec. 1(1)(A)may provide to the person nonpublic information about the merchandise that was generated by an online marketplace or other similar market platform, express consignment operator, freight forwarder, or any other entity that plays a role in the sale or importation of merchandise[2] Engrossed in Senate (August 7, 2026) · Sec. 1(1)(D) → inserted (3)
This covers only trademarks and copyrights you have recorded with customs.
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Subsection (a) applies only with respect to merchandise suspected of infringing a trademark or copyright that is recorded with U.S. Customs and Border Protection.[5] 19 U.S.C. 1628a, Exchange of information related to trade enforcement (U.S. Code, 2024 edition, before this bill) · (c)
You would get notice of what nonpublic information was sent, under rules the Treasury Secretary writes.
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shall provide to the person notification of the information transmitted, in accordance with such regulations as the Secretary may prescribe[2] Engrossed in Senate (August 7, 2026) · Sec. 1(1)(D) → inserted (4)

Read the full breakdown of S. 2677

S. 3977

Bankruptcy Threshold Adjustment Act of 2026

Latest official action Aug 10, 2026 · Drafted by AI, awaiting review

If you own a small business that is deep in debt

A quicker way to reorganize, for more businesses

You could use Subchapter V if your business owes up to $7,500,000, and at least 50 percent of it came from the business.
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in an amount not more than $7,500,000 (excluding debts owed to 1 or more affiliates or insiders) not less than 50 percent of which arose from the commercial or business activities of the debtor[2] Engrossed in Senate (August 3, 2026) · Sec. 2(a) → inserted (1)(A)
Public companies that file reports with the SEC could not use it.
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any debtor that is a corporation subject to the reporting requirements under section 13 or 15(d) of the Securities Exchange Act of 1934[2] Engrossed in Senate (August 3, 2026) · Sec. 2(a) → inserted (1)(B)(ii)
Its sponsors say it is cheaper and faster, so owners can keep the lights on.
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This bill makes permanent a quicker and cheaper pathway for entrepreneurs to settle debts, keep the lights on, and keep serving their neighbors.[7] Senate Judiciary Committee press release: Senate Unanimously Passes Grassley-Durbin Bankruptcy Legislation (Aug. 4, 2026) · Aug. 4, 2026, Sen. Durbin

Read the full breakdown of S. 3977

H.R. 6644

21st Century ROAD to Housing Act

Latest official action Jul 11, 2026 · Drafted by AI, awaiting review by two people

If your company owns many rental houses

New buying limits, notices, and yearly reports

Homes count toward the 350 if the firm controls them through others. For example, it may run the owner or hold more than 25 percent of a class of the owner's stock. There is an exception for passive investors.
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has investment control of not less than 350 single-family homes in the aggregate[2] H.R. 6644 as passed by both chambers (enrolled), Public Law 119-101 · Sec. 1001(a)(3)(A)(i)(II)is, or directly or indirectly controls, the general partner or managing member of the entity that owns the single-family home[2] H.R. 6644 as passed by both chambers (enrolled), Public Law 119-101 · Sec. 1001(a)(3)(B)(ii)owns or controls more than 25 percent of any class of equity interests of the entity that owns the single-family home, unless such entity is a passive investor[2] H.R. 6644 as passed by both chambers (enrolled), Public Law 119-101 · Sec. 1001(a)(3)(B)(iv)
Homes bought in an excepted purchase after enactment do not count toward the 350.
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has investment control of not less than 350 single-family homes in the aggregate, not including any single-family home purchased in an excepted purchase made after the date of enactment of this Act[2] H.R. 6644 as passed by both chambers (enrolled), Public Law 119-101 · Sec. 1001(a)(3)(A)(i)(II)
A large investor must tell HUD within 180 days of enactment, and by December 31 each year after, how many single-family homes it controls and in which cities and states. Cities where it owns 10 or fewer homes are left out.
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Not later than 180 days after the date of the enactment of this Act, and not later than December 31st of each year thereafter, each person or entity that satisfies the definition of a large institutional investor[2] H.R. 6644 as passed by both chambers (enrolled), Public Law 119-101 · Sec. 1001(c)(8)identify how many single-family homes such large institutional investor has direct or indirect investment control of as of the date of the submission of such notice, and the city and State where each such single-family home is located, unless such large institutional investor owns 10 or fewer single-family homes in such city[2] H.R. 6644 as passed by both chambers (enrolled), Public Law 119-101 · Sec. 1001(c)(8)(B)
It must give renters written notice of HUD's help line when they move in and every year, and show it on its website.
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at the time such renter first occupies such home and annually thereafter[2] H.R. 6644 as passed by both chambers (enrolled), Public Law 119-101 · Sec. 1001(c)(5)(A)written notice about the renter outreach resource established under paragraph (1)[2] H.R. 6644 as passed by both chambers (enrolled), Public Law 119-101 · Sec. 1001(c)(5)(A)(i)prominently feature information about the renter outreach resource established under paragraph (1) on a public website of such investor[2] H.R. 6644 as passed by both chambers (enrolled), Public Law 119-101 · Sec. 1001(c)(5)(B)
Restructuring the ownership of homes owned on or before enactment is still allowed.
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any purchase of a single-family home in connection with a restructuring or other reorganization of ownership of single-family homes that were owned or purchased on or before the date of enactment of this Act[2] H.R. 6644 as passed by both chambers (enrolled), Public Law 119-101 · Sec. 1001(b)(2)(B)

Read the full breakdown of H.R. 6644

S. 872

Stop Secret Spending Act of 2025

Latest official action Jun 15, 2026 · Drafted by AI, awaiting review

If your company or group gets federal money through these deals

Your deal would be public

Data on these deals would flow to USAspending.gov automatically.
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data relating to other transaction agreements is automatically transmitted to the website[2] Engrossed in Senate (June 10, 2026) · Sec. 2(b) → inserted (e)(1)

Read the full breakdown of S. 872

S. 1199

SBA Fraud Enforcement Extension Act

Latest official action May 4, 2026 · Drafted by AI, awaiting review

If you run a restaurant, bar, theater or music venue that got one of these grants

Honest grant users are not affected

The longer window only applies to fraud, false statements and similar crimes tied to the grant.
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any criminal prosecution or civil enforcement action for a violation of, or conspiracy to violate, section 371, 641, 1001, 1028A, 1029, 1341, 1343, 1349, 1956, or 1957 of title 18[2] Engrossed in Senate (April 29, 2026) · Sec. 2(a) → inserted (g)with respect to any grant for shuttered venue operators under this section shall be filed not later than 10 years after the date of the violation or conspiracy[2] Engrossed in Senate (April 29, 2026) · Sec. 2(a) → inserted (g)

Read the full breakdown of S. 1199

S. 3971

Small Business Innovation and Economic Security Act

Latest official action Apr 13, 2026 · Drafted by AI, awaiting review

If you run a small research or tech company

The grants are back, with a cap on how many proposals you can send

Agencies can make new awards again, until September 30, 2031.
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in subsection (m), by striking September 30, 2025 and inserting September 30, 2031[3] Enrolled Bill · Sec. 9(a)(1)
Each agency sets its own limit on proposals per company. It can count by year, by request for proposals, or by topic.
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set equally for all small business concerns a limit on the maximum number of proposals that a small business concern may submit[3] Enrolled Bill · Sec. 4 → inserted (aaa)(1)A limit for any small business concern on a fiscal year basis.[3] Enrolled Bill · Sec. 4 → inserted (aaa)(1)(A)A limit for any small business concern on a solicitation basis.[3] Enrolled Bill · Sec. 4 → inserted (aaa)(1)(B)A limit for any small business concern on a topic basis.[3] Enrolled Bill · Sec. 4 → inserted (aaa)(1)(C)
The health department, which runs NIH, now takes at most nine new applications from one company each year.
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HHS will accept a maximum of nine new and resubmission Phase I, Fast-track, and Direct to Phase II applications[8] NIH/HHS notice NOT-OD-26-090: annual SBIR and STTR application limit · Policy
You can spend up to $6,500 per project in a first-round award on business help, and up to $50,000 in a second-round award.
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to use not more than $6,500 per project[3] Enrolled Bill · Sec. 7(1)(C)(i) → inserted (A)to utilize not more than $50,000 per project[3] Enrolled Bill · Sec. 7(1)(C)(i) → inserted (B)
You may now use that help money to hire or train your own staff.
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use funding provided under this section to hire new staff, augment staff, or direct staff to conduct or participate in training activities[3] Enrolled Bill · Sec. 7(1)(B)(iv) → inserted (B)

If your company has investors, partners or owners abroad

Expect closer checks of your foreign ties

Agencies will look at foreign investors, partners and licensing deals tied to countries such as China and Russia.
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investment relationships of a small business concern with an individual or entity in a foreign country of concern[3] Enrolled Bill · Sec. 2(a)(3)(A) → inserted (A)(vi)technology licensing agreements or joint ventures[3] Enrolled Bill · Sec. 2(a)(3)(A) → inserted (A)(vii)the term foreign country of concern means the People's Republic of China, the Democratic People's Republic of Korea, the Russian Federation, the Islamic Republic of Iran[4] 15 U.S.C. 638, Research and development (U.S. Code, 2024 edition, before this law) · (e)(17)
A tie to a company on certain U.S. lists, like the Commerce Department's Entity List, can lead to a denial.
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has a security risk connecting the small business concern to an entity, including any affiliates of the entity, or individual on[3] Enrolled Bill · Sec. 2(a)(1)(C)(vi) → inserted (D)the Entity List maintained by the Bureau of Industry and Security of the Department of Commerce[3] Enrolled Bill · Sec. 2(a)(1)(C)(vi) → inserted (D)(vi)
If you are turned down, the agency may tell you why. You can still apply again in a later round.
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identifying the basis for such determination[3] Enrolled Bill · Sec. 2(a)(1)(D) → inserted (17)(A)(ii)does not prohibit the small business concern from being eligible for an award in a subsequent award cycle[3] Enrolled Bill · Sec. 2(a)(1)(D) → inserted (17)(B)

If your company already won a second-round award

A new path to much bigger awards

Some agencies can give up to $30,000,000 to move a product toward real use, over up to 48 months.
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not more than $30,000,000 to a small business concern, including its affiliates, in a single award or series of awards based on reaching production or development milestones[3] Enrolled Bill · Sec. 3(a)(2) → inserted (3)(C)(i)the total period of performance of the project with respect to which such funds are awarded is not more than 48 months[3] Enrolled Bill · Sec. 3(a)(2) → inserted (3)(C)(i)
You must have won a second-round award before, and match the money with new outside funds of at least 100 percent.
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have been awarded not less than 1 prior Phase II award under the SBIR or STTR program[3] Enrolled Bill · Sec. 3(a)(2) → inserted (3)(C)(ii)(I)demonstrate not less than 100 percent matching funds from[3] Enrolled Bill · Sec. 3(a)(2) → inserted (3)(C)(ii)(II)
The agency must decide within 90 days of getting your proposal.
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not later than 90 days after receiving a proposal from a small business concern for the award[3] Enrolled Bill · Sec. 3(a)(2) → inserted (3)(C)(iii)

Read the full breakdown of S. 3971

S. 1070

National STEM Week Act

Latest official action Mar 3, 2026 · Drafted by AI, awaiting review

If you run a business in a STEM field

An invitation, not a requirement

Companies would be asked to mentor students, host visits and support school programs.
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engage with students enrolled in educational institutions by providing mentorship programs, site visits, and guest lectures[2] Engrossed in Senate (February 26, 2026) · Sec. 3(3) → inserted (e)(3)(C)(i)support STEM education initiatives at such educational institutions through funding, resources, and expertise[2] Engrossed in Senate (February 26, 2026) · Sec. 3(3) → inserted (e)(3)(C)(ii)

Read the full breakdown of S. 1070

H.J.Res. 72

Ending the Canada national emergency of February 1, 2025

Latest official action Feb 12, 2026 · Drafted by AI, awaiting review by two people

If you run a business that trades with Canada

Past actions under the emergency would stand

By law, ending an emergency does not undo steps already taken. Open cases go on, and cases over earlier acts can still be brought.
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any action taken or proceeding pending not finally concluded or determined on such date[18] 50 U.S.C. 1622 (National Emergencies Act, sec. 202), U.S. Code 2024 edition, with notes · (a)(A)any action or proceeding based on any act committed prior to such date[18] 50 U.S.C. 1622 (National Emergencies Act, sec. 202), U.S. Code 2024 edition, with notes · (a)(B)
Penalties owed before then still stand.
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any rights or duties that matured or penalties that were incurred prior to such date[18] 50 U.S.C. 1622 (National Emergencies Act, sec. 202), U.S. Code 2024 edition, with notes · (a)(C)
The resolution says nothing about refunds of tariffs paid.
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That pursuant to section 202 of the National Emergencies Act (50 U.S.C. 1622), the national emergency declared by the finding of the President on February 1, 2025, in Executive Order 14193 (25 Fed. Reg. 02406), is hereby terminated.[3] Engrossed in House (February 11, 2026) · Resolving clause
If it became law now, any power still being used because of the emergency would have to stop.
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any powers or authorities exercised by reason of said emergency shall cease to be exercised after such specified date[18] 50 U.S.C. 1622 (National Emergencies Act, sec. 202), U.S. Code 2024 edition, with notes · (a)
The order that ended the tariffs said other actions under the emergency would go on, but it did not name them.
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All other actions, including any other action taken to address the national emergencies declared or described in Executive Order 14193[17] Executive Order 14389 of February 20, 2026, Ending Certain Tariff Actions (91 FR 9437, February 25, 2026) · Sec. 1that do not impose additional ad valorem duties under IEEPA or involve steps necessary to implement the imposition of additional ad valorem duties imposed under IEEPA shall not be affected by this order[17] Executive Order 14389 of February 20, 2026, Ending Certain Tariff Actions (91 FR 9437, February 25, 2026) · Sec. 1
Another order that day kept the duty-free "de minimis" exemption on hold. It named Executive Order 14193 as one of the orders behind that.
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Executive Order 14388 of February 20, 2026[26] Executive Order 14388 of February 20, 2026, Continuing the Suspension of Duty-Free De Minimis Treatment for All Countries (91 FR 9433, February 25, 2026) · HeadingContinuing the Suspension of Duty-Free De Minimis Treatment for All Countries[26] Executive Order 14388 of February 20, 2026, Continuing the Suspension of Duty-Free De Minimis Treatment for All Countries (91 FR 9433, February 25, 2026) · TitleIn several Executive Orders, including Executive Order 14193 of February 1, 2025 (Imposing Duties To Address the Flow of Illicit Drugs Across Our Northern Border), as amended[26] Executive Order 14388 of February 20, 2026, Continuing the Suspension of Duty-Free De Minimis Treatment for All Countries (91 FR 9433, February 25, 2026) · Sec. 1I declared or described national emergencies with respect to unusual and extraordinary threats to the national security, foreign policy, or economy of the United States and took action to deal with those threats, including suspending duty-free de minimis treatment[26] Executive Order 14388 of February 20, 2026, Continuing the Suspension of Duty-Free De Minimis Treatment for All Countries (91 FR 9433, February 25, 2026) · Sec. 1
The resolution does not say how ending this one emergency would affect that.
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That pursuant to section 202 of the National Emergencies Act (50 U.S.C. 1622), the national emergency declared by the finding of the President on February 1, 2025, in Executive Order 14193 (25 Fed. Reg. 02406), is hereby terminated.[3] Engrossed in House (February 11, 2026) · Resolving clause
Duties under other trade laws, such as section 232 and section 338, are not part of this emergency.
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This order does not affect any other duties, including duties imposed under section 232 of the Trade Expansion Act of 1962, as amended, 19 U.S.C. 1862, and section 301 of the Trade Act of 1974, as amended, 19 U.S.C. 2411.[17] Executive Order 14389 of February 20, 2026, Ending Certain Tariff Actions (91 FR 9437, February 25, 2026) · Sec. 2(d)Section 338 of the Tariff Act of 1930 (19 U.S.C. 1338) (section 338) empowers the President to, among other things, impose duties on imports of a foreign country[27] Proclamation 11046 of July 20, 2026, Imposing Additional Duties To Offset Canadian Discrimination Against the Commerce of the United States With Respect to Alcoholic Beverages (91 FR 46639) · Para. 1

Read the full breakdown of H.J.Res. 72

S. 3424

Bankruptcy Administration Improvement Act of 2025

Latest official action Feb 6, 2026 · Drafted by AI, awaiting review

If your business is in chapter 11 bankruptcy

A quarterly fee based on money paid out lasts 5 more years, and rises in big quarters

A quarterly fee paid to the U.S. trustee, based on the money paid out each quarter, now runs for 10 years from January 1, 2021, not 5.
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in clause (i), by striking 5-year and inserting 10-year[2] Enrolled Bill · Sec. 4(a)(1)During the 5-year period beginning on January 1, 2021[9] 28 U.S.C. 1930 (2024 edition), bankruptcy fees · (a)(6)(B)(i)
Outside that period, current law instead sets the fee from a table of flat amounts, from $325 to $30,000 a quarter.
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Except as provided in subparagraph (B), in addition to the filing fee paid to the clerk, a quarterly fee shall be paid to the United States trustee[9] 28 U.S.C. 1930 (2024 edition), bankruptcy fees · (a)(6)(A)The fee shall be $325 for each quarter in which disbursements total less than $15,000[9] 28 U.S.C. 1930 (2024 edition), bankruptcy fees · (a)(6)(A)$30,000 for each quarter in which disbursements total more than $30,000,000[9] 28 U.S.C. 1930 (2024 edition), bankruptcy fees · (a)(6)(A)
It still does not apply to cases under subchapter V.
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in each open and reopened case under chapter 11 of title 11, other than under subchapter V[9] 28 U.S.C. 1930 (2024 edition), bankruptcy fees · (a)(6)(B)(i)
In a quarter when $1 million or more is paid out, the fee rises from 0.8 percent to 0.9 percent of that amount.
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in subclause (II), by striking 0.8 and inserting 0.9[2] Enrolled Bill · Sec. 4(a)(2)(B)0.8 percent of disbursements but not more than $250,000 for each quarter in which disbursements total at least $1,000,000[9] 28 U.S.C. 1930 (2024 edition), bankruptcy fees · (a)(6)(B)(ii)(II)
The fee is still capped at $250,000 a quarter.
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0.8 percent of disbursements but not more than $250,000 for each quarter in which disbursements total at least $1,000,000[9] 28 U.S.C. 1930 (2024 edition), bankruptcy fees · (a)(6)(B)(ii)(II)
In smaller quarters, the fee is 0.4 percent of the money paid out or $250, whichever is greater.
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0.4 percent of disbursements or $250 for each quarter in which disbursements total less than $1,000,000[9] 28 U.S.C. 1930 (2024 edition), bankruptcy fees · (a)(6)(B)(ii)(I)by inserting the greater of before 0.4[2] Enrolled Bill · Sec. 4(a)(2)(A)(i)
In districts that are not part of a U.S. trustee region, the Judicial Conference must charge chapter 11 debtors equal fees, and the law's findings say the increase will apply there too.
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In districts that are not part of a United States trustee region as defined in section 581 of this title, the Judicial Conference of the United States shall require the debtor in a case under chapter 11 of title 11 to pay fees equal to those imposed by paragraph (6) of this subsection[9] 28 U.S.C. 1930 (2024 edition), bankruptcy fees · (a)(7)ensure adequate funding of the United States trustee system through the increase of certain fees, which will also apply to districts that are not part of a United States trustee region as required by existing law[2] Enrolled Bill · Sec. 2(9)(B)

Read the full breakdown of S. 3424

H.R. 6703

Lower Health Care Premiums for All Americans Act

Latest official action Dec 18, 2025 · Drafted by AI, awaiting review by two people

If you own a small business or work for yourself

You could join an association health plan

Employers in different lines of work could band together to offer one plan.
2
A group or association of employers may maintain a group health plan, regardless of whether the employers composing such group or association are in the same industry, trade, or profession[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)
The group must have existed for 2 years for some other purpose, and cover at least 51 workers.
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have existed for at least 2 years prior to offering a group health plan to the employees of such group or association[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(iii)have been formed and maintained in good faith for purposes other than providing health insurance coverage through a group health plan[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(i)to at least 51 employees; and[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(1)(A)(iv)(I)
It cannot turn people away for pre-existing conditions.
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deny coverage under such plan on the basis of a pre-existing condition[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(a)(3)(C)
Your business's share of the cost could still depend on its own risk profile.
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utilize the specific risk profile of each employer member of such group or association to determine contribution rates for each such employer member’s share of a premium[2] Introduced in House (December 15, 2025) · Sec. 101 → inserted 736(b)(1)(B)

Read the full breakdown of H.R. 6703

S. 1582

GENIUS Act

Latest official action Jul 18, 2025 · Drafted by AI, awaiting review by two people

If you run or plan a stablecoin business

You need a federal or state license

Banks and credit unions can issue coins through a subsidiary once their regulator approves it.
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a subsidiary of an insured depository institution that has been approved to issue payment stablecoins under section 5[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 2(23)(A)applications from any insured depository institution that seeks to issue payment stablecoins through a subsidiary[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 5(a)(1)(A)an insured credit union[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 2(15)(B)the appropriate Federal banking agency of such insured depository institution[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 2(25)(A)with respect to an insured credit union or a subsidiary of an insured credit union, the National Credit Union Administration[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 2(25)(B)
Other companies need approval from the OCC or a state regulator.
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a nonbank entity, other than a State qualified payment stablecoin issuer, approved by the Comptroller, pursuant to section 5, to issue payment stablecoins[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 2(11)(A)approved to issue payment stablecoins by a State payment stablecoin regulator[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 2(31)(A)
A federal regulator must rule on a complete application within 120 days, or it counts as approved.
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Not later than 120 days after receiving a substantially complete application under subsection (a), a primary Federal payment stablecoin regulator shall render a decision on the application.[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 5(d)(1)(A)the application shall be deemed approved[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 5(d)(3)
Knowingly issuing without approval can bring a fine of up to $1 million per violation and up to 5 years in prison.
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shall be fined not more than $1,000,000 for each such violation, imprisoned for not more than 5 years, or both[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 3(f)(1)
The money-laundering and sanctions laws for U.S. financial firms apply to you.
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shall be subject to all Federal laws applicable to a financial institution located in the United States relating to economic sanctions, prevention of money laundering[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 4(a)(5)(A)
You must be able to freeze or block coins when a court or agency lawfully orders it.
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A permitted payment stablecoin issuer may issue payment stablecoins only if the issuer has the technological capability to comply, and will comply, with the terms of any lawful order.[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 4(a)(6)(B)requires a person to seize, freeze, burn, or prevent the transfer of payment stablecoins issued by the person[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 2(16)(A)
Above $50 billion in coins out, you must post audited yearly financial statements. This applies if you do not already file reports with the Securities and Exchange Commission.
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A permitted payment stablecoin issuer with more than $50,000,000,000 in consolidated total outstanding issuance, that is not subject to the reporting requirements under section 13(a) or 15(d) of the Securities and Exchange Act of 1934[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 4(a)(10)(A)(i)make such audited financial statements publicly available on the website of the permitted payment stablecoin issuer[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 4(a)(10)(B)(i)
If you are a state-approved issuer with $10 billion or less in coins out, you can stay under state oversight.
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a State qualified payment stablecoin issuer with a consolidated total outstanding issuance of not more than $10,000,000,000 may opt for regulation under a State-level regulatory regime[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 4(c)(1)
Your state's rules must be certified as substantially similar to the federal rules.
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provided that the State-level regulatory regime is substantially similar to the Federal regulatory framework under this Act[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 4(c)(1)an initial certification that the State-level regulatory regime meets the criteria for substantial similarity[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 4(c)(4)(A)
Above $10 billion, within 360 days you must move under federal rules run with your state regulator, get a waiver, or stop issuing new coins.
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not later than 360 days after the payment stablecoin reaches such threshold, transition to the Federal regulatory framework under subsection (a) administered by the relevant State payment stablecoin regulator and the Comptroller, acting in coordination[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 4(d)(2)(A)cease issuing new payment stablecoins until the payment stablecoin is under the $10,000,000,000 consolidated total outstanding issuance threshold[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 4(d)(2)(B)to remain solely supervised by a State payment stablecoin regulator[4] S. 1582 as passed by both chambers (enrolled), signed as Public Law 119-27 · Sec. 4(d)(3)(A)

Read the full breakdown of S. 1582

H.R. 3301

ELEVATE Act of 2025

Latest official action Jun 24, 2025 · Drafted by AI, awaiting review

If you own or invest in a growing company

Less paperwork for a spinoff

A spinoff is when one company creates a new, separate company out of part of its business.
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a spinoff, which is a transaction in which one company creates a new, independent company by selling new shares of its existing business[7] Congressional Record, House, June 23, 2025 (H2871-H2872) · H2872, Rep. Sherman
Spinoffs from these companies would need 2 years of audited profit and loss statements, the same as when they first go public.
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in paragraph (1)(K), by striking years, and inserting years (or, in the case of an emerging growth company, not more than the two preceding years)[3] Engrossed in House (June 23, 2025) · Sec. 2(1)Currently, the spinoff of an EGC does not benefit from the two-year financial statement accommodation, which applies only to IPO registration.[6] H. Rept. 119-121 · Background
Any company could get private feedback from regulators on a draft filing before the public sees it.
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Any issuer may confidentially submit to the Commission a draft registration statement for confidential nonpublic review by the staff of the Commission prior to public filing[7] Congressional Record, House, June 23, 2025 (H2871-H2872) · H2871, bill text as printed

Read the full breakdown of H.R. 3301

H.R. 736

Protect Small Businesses from Excessive Paperwork Act of 2025

Latest official action Feb 11, 2025 · Drafted by AI, awaiting review

If you own a small LLC or corporation

More time to file an ownership report

Companies formed before 2024 would have until January 1, 2026 to file.
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and inserting before January 1, 2024, shall, not later than January 1, 2026,[3] Engrossed in House (February 10, 2025) · Sec. 2
Under the law, willfully failing to report can bring a fine of up to $500 a day.
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willfully fail to report complete or updated beneficial ownership information to FinCEN[7] 31 U.S.C. 5336, Beneficial ownership information reporting requirements (U.S. Code, 2024 edition, before this bill) · (h)(1)(B)shall be liable to the United States for a civil penalty of not more than $500 for each day that the violation continues or has not been remedied[7] 31 U.S.C. 5336, Beneficial ownership information reporting requirements (U.S. Code, 2024 edition, before this bill) · (h)(3)(A)(i)
Since March 26, 2025, a FinCEN rule says U.S. companies don't have to file at all. Only foreign companies still do.
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This rule is effective March 26, 2025.[8] FinCEN interim final rule: Beneficial Ownership Information Reporting Requirement Revision and Deadline Extension (90 FR 13688, March 26, 2025) · Datesentities previously defined as ``domestic reporting companies'' are exempted from the reporting requirements and do not have to report BOI to FinCEN[8] FinCEN interim final rule: Beneficial Ownership Information Reporting Requirement Revision and Deadline Extension (90 FR 13688, March 26, 2025) · Summaryto require only entities previously defined as ``foreign reporting companies'' to report BOI[8] FinCEN interim final rule: Beneficial Ownership Information Reporting Requirement Revision and Deadline Extension (90 FR 13688, March 26, 2025) · Summary

Read the full breakdown of H.R. 736

Breakdowns marked “Drafted by AI” passed our automatic checks and are waiting for human review, as shown on each bill page.