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32 results for “commerce clause”

1. VFA SI Solution · SI Solution responding to H.R. 10109 · Aug 20, 2026

   Federal Wildfire Contract Integrity and Transparency Act of 2025

   …and private entities that use no federal funds and do not affect interstate commerce. Section 2: Competitive Bidding Requirement. All covered contracts must be awarded through a competitive bidding process, except when the Secretary of…

2. VFA SI Solution · SI Solution responding to H.R. 6955 · Jul 23, 2026

   Main Street Capital Access Act of 2025 – Constitutional Revision

   …state banking regulations without clear constitutional authority under the Commerce Clause or the Tenth Amendment. Potential overreach by mandating federal lending standards on state-chartered institutions, violating federalism principles.…

3. Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026

   H.R. 1181: Protecting Privacy in Purchases Act

   HR 1181 is a narrow exercise of the Commerce Clause to bar national card networks from singling out firearms retailers with distinct merchant codes, with DOJ enforcement. It claims no new federal police power, infringes no right, expands…

4. VFA SI Solution · SI Solution responding to H.R. 3633 · Aug 10, 2026

   Digital Asset Market Clarity and Consumer Protection Act of 2025

   …concerns under Article I, Section 1. Article I, Section 8, Clause 3 (Commerce Clause) Article I, Section 8, Clause 18 (Necessary and Proper Clause) Fifth Amendment Due Process Clause (requirement for clear definitions to avoid arbitrary…

5. VFA SI Solution · SI Solution responding to H.J.Res. 175 · May 15, 2026

   Remittance Consumer Protection Enforcement Act

   …applies to all non-bank and bank providers operating in interstate or foreign commerce under the Electronic Fund Transfer Act. The Federal Trade Commission (FTC), in coordination with the Bureau of Consumer Financial Protection (CFPB),…

6. Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026

   H.R. 3633: Digital Asset Market Clarity Act

   Federal market-structure bill within Commerce Clause authority that sets CFTC and SEC jurisdiction, maturity-based exemptions, and intermediary safeguards without restricting speech, ownership, or due process. Minor recordkeeping tension…

7. Constitution Index grade · Constitution grade C (Significant issues) · Oct 11, 2026

   H.R. 1944: 10 Percent Credit Card Interest Rate Cap Act

   …control on credit card interest rates, which is not a regulation of interstate commerce in the traditional sense but rather a direct mandate on private contracts. It also raises significant due process and individual sovereignty concerns…

8. Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026

   H.R. 3234: Keeping Deposits Local Act

   …amendment to existing federal deposit-insurance law, authorized by the Commerce and Necessary and Proper Clauses, that expands rather than restricts liberty and creates no rights, due process, or federalism violation. Congress has explicit…

9. Constitution Index grade · Constitution grade B (Mostly sound) · Oct 08, 2026

   S. 1582: GENIUS Act

   …framework for fixed-value payment instruments rests on interstate and foreign commerce authority, preserves a state licensing path, imposes no direct ban on speech or ownership, and provides knowledge-based penalties with regulator…

10. VFA SI Solution · SI Solution responding to H.R. 10096 · Aug 17, 2026

    Federal Impact Assessment of Affordable Housing Shortage Act of 2025

    …the executive branch, solely to study how the shortage affects interstate commerce, federal spending programs, and the fiscal stability of the United States. The Task Force shall be advisory only and shall have no power to regulate,…

11. Constitution Index grade · Constitution grade C (Significant issues) · Oct 14, 2026

    H.R. 9331: STOP Payments Fraud Act of 2026

    …constitutional safeguards. The federal government's authority over banking and commerce derives from Article I, Section 8, Clause 3 (the Commerce Clause) and the Necessary and Proper Clause (Article I, Section 8, Clause 18). However, this…

12. Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026

    H.R. 5317: Community Bank Deposit Access Act of 2025

    A narrow deregulatory adjustment within Congress commerce and deposit-insurance authority. It reduces federal oversight for well-capitalized community banks, infringes no enumerated or unenumerated right, and imposes no taking or process…

13. VFA SI Solution · SI Solution responding to H.J.Res. 173 · May 13, 2026

    Consumer Closed Account Protection Act

    …clarifying enforcement, focusing only on deposit accounts in interstate commerce. CFPB may investigate complaints and impose civil penalties up to $5,000 per violation, with a right to administrative hearing. This applies to all insured…

14. Constitution Index grade · Constitution grade B (Mostly sound) · Oct 10, 2026

    H.R. 3357: Enhancing Multi-Class Share Disclosures Act

    The bill is a federal securities disclosure requirement grounded in the Commerce Clause and the Securities and Exchange Commission's existing regulatory authority. It does not directly infringe on constitutional rights, but it imposes…

15. Constitution Index grade · Constitution grade B (Mostly sound) · Oct 17, 2026

    H.R. 10325: To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.

    …operates within the federal government's enumerated powers over interstate commerce and the monetary system, and it does not directly infringe on individual rights. However, it raises concerns about federal overreach into housing policy…

16. Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026

    H.R. 8278: Fostering the Use of Technology to Uphold Regulatory Effectiveness in Supervision Act

    …supervisory technology and report to Congress every five years. Grounded in Commerce and Necessary and Proper powers, it creates no new regulation, no rights restriction, no taking, and no centralization. Congress has explicit authority to…

17. Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026

    H.R. 4544: American Access to Banking Act

    …authority over the federal banking system under Article I, Section 8, Clause 3 Commerce Clause and Clause 18 Necessary and Proper Clause, plus Clause 5 power to regulate currency and financial system. Directing federal regulators to review…

18. Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026

    H.R. 6955: Main Street Capital Access Act

    Deregulatory banking bill within Commerce and Necessary and Proper powers that reduces federal burdens, imposes no rights infringement, expands private and local decision-making, and takes no property without due process. Regulation of…

19. Constitution Index grade · Constitution grade B (Mostly sound) · Oct 10, 2026

    H.R. 736: Protect Small Businesses from Excessive Paperwork Act of 2025

    …However, the underlying requirement is based on federal authority over commerce and taxation. The Supreme Court has recognized federal power to regulate financial transactions and require reporting under the Commerce Clause (Article I,…

20. Constitution Index grade · Constitution grade A (Constitutional) · Oct 13, 2026

    H.R. 1190: Expanding Access to Capital for Rural Job Creators Act

    …power. It is a modest exercise of Congress's enumerated power over interstate commerce and securities regulation, and it leaves all substantive decision-making with existing state and local actors. Congress has authority under Article I,…