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13 results for “commerce clause”
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026
S.J.Res. 28: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications".
…CFPB supervisory rule over large digital payment apps. It rests on Article I commerce and oversight authority, enacted through proper bicameralism and presentment, infringes no Bill of Rights protection, expands individual economic…
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Constitution Index grade · Constitution grade B (Mostly sound) · Oct 14, 2026
H.R. 9330: Earned Wage Access Consumer Protection Act
…has minor constitutional tensions. It operates within Congress's enumerated commerce power, does not directly infringe the Bill of Rights, and preserves individual sovereignty by requiring a no-cost option. However, it preempts state…
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Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026
S.J.Res. 18: A joint resolution disapproving the rule submitted by the Bureau of Consumer Financial Protection relating to "Overdraft Lending: Very Large Financial Institutions".
…to disapprove an executive rule. Regulation of bank fees tied to interstate commerce falls under Article I, Section 8, Clause 3 and the Necessary and Proper Clause in Clause 18. Nullifying a rule is plainly within enumerated legislative…
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Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026
S.J.Res. 13: 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 of the Department of the Treasury relating to the review of applications under the Bank Merger Act.
…procedural rule and reduces federal regulatory burden. It rests on enumerated commerce and necessary-and-proper powers, infringes no Bill of Rights protection, expands individual freedom, decentralizes rather than consolidates power, and…