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20 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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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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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…
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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 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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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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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 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,…
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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 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…
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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 09, 2026
H.R. 3383: Incentivizing New Ventures and Economic Strength Through Capital Formation Act of 2025
…Congress has authority over interstate securities markets under the Commerce Clause, and this bill simply limits the SEC's discretion rather than expanding federal power. It does not restrict constitutional rights, centralize authority, or…
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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…