S. 5229 explained · 119th Congress · Pending in Congress
SWIPES Act
Cosponsors: none · per Congress.gov, 2026-10-14
Introduced: 2026-08-04
Latest action (2026-08-04): Read twice and referred to the Committee on the Judiciary.
What S. 5229 does, in plain terms
The Congressional Research Service has not published a summary of S. 5229 yet. Its official title: “SWIPES Act”.
Constitution Index
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S. 5229 has not been graded yet. New measures with an official summary are graded daily under the published rubric.
The Framers
“Founders’ Verdict”
Confidence 0.75
Archived SI output (machine-generated)No editorial review recorded. This historical SI verdict was machine-generated by software and predates the review desk; check it against the official bill text.
Synthesis
The bill is constitutional only if it includes a clear jurisdictional nexus to interstate commerce or federal authority, ensuring it does not overreach into purely intrastate matters reserved to the states under the Tenth Amendment.
The proposed bill falls squarely within the enumerated power of Congress to define and punish offenses against the laws of the United States, as well as to regulate commerce among the several states. Article I, Section 8, Clause 10 grants Congress the authority 'To define and punish Piracies and Felonies committed on the high Seas, and Offences against the Law of Nations,' and Clause 3 grants the power to regulate interstate commerce. Gift card fraud, by its nature, often involves transactions crossing state lines or affecting interstate commerce, thus bringing it within federal jurisdiction. …
As a strict constructionist, I find that the Constitution grants Congress only limited and enumerated powers. The Tenth Amendment reserves to the states all powers not delegated. Federal criminal jurisdiction extends only to offenses against the United States, such as counterfeiting, piracy, or crimes on federal enclaves. Gift card fraud, being a species of theft or fraud, falls traditionally within the police powers of the several states. To be constitutional, this bill must contain a clear nexus to interstate commerce or some other enumerated power, such as the power to regulate commerce amo…
The power to define and punish fraud, including gift card fraud, falls within the enumerated powers of Congress under the Commerce Clause, as such fraud often involves interstate transactions. However, the enhancement of penalties must be carefully tailored to avoid overreach into purely intrastate matters that do not substantially affect interstate commerce. The bill's constitutionality depends on whether the fraud in question demonstrably involves interstate commerce or federal instrumentalities, as the Constitution grants only limited and enumerated powers to the federal government, reservi…
The Constitution grants Congress the power to regulate commerce among the several states and to make all laws necessary and proper for executing that power. Gift card fraud, when involving interstate channels or substantially affecting interstate commerce, falls within this authority. As held in McCulloch v. Maryland, the means chosen by Congress need only be appropriate and not prohibited by the Constitution. Enhancing penalties for such fraud is a legitimate means to deter and punish criminal behavior that undermines commercial integrity. Furthermore, under Gibbons v. Ogden, commerce is unde…
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