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22 results for “commerce clause”
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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…
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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.…
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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 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…
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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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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,…
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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…
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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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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…
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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 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…
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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 B (Mostly sound) · Oct 13, 2026
H.R. 1309: Protect America’s Lands Act
…securities, which falls within Congress's enumerated power over interstate commerce and securities regulation. It does not directly infringe on individual rights, but it does restrict the ability of natural asset companies to access…
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Constitution Index grade · Constitution grade A (Constitutional) · Oct 08, 2026
H.R. 7128: TRIA Program Reauthorization Act of 2026
SI review finds the TRIA reauthorization through 2034 is a routine exercise of commerce and necessary-and-proper authority to stabilize interstate insurance markets, with no rights restriction, sovereignty burden, or due-process taking.…
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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 B (Mostly sound) · Oct 08, 2026
H.R. 2478: Financial Exploitation Prevention Act of 2025
…procedure to pause suspected elder exploitation redemptions fits interstate commerce authority and preserves ownership with notice and court review. Minor tension remains from temporary loss of access to personal funds, warranting tight…