US tracker

H.R. 9331

STOP Payments Fraud Act of 2026

Financial Services Committee · Rep. Young Kim (R-CA)

1 September 2026 | Reported by committee (Financial Services, as amended, H. Rept. 119-792)

What's next: Floor scheduling (leadership decides if and when it gets a vote)

Summary: The bill would amend federal banking law to create exceptions allowing banks to hold funds longer when they suspect a check or wire transfer is fraudulent, rather than being required to make deposited funds available within standard timeframes. It aims to give financial institutions more flexibility to prevent fraud losses while protecting depositors from schemes involving fake or stolen payment instruments.

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Posted 10 September 2026

As published — the exact text this tracker posted, kept verbatim for the record

H.R. 9331 | STOP Payments Fraud Act of 2026 | Rep. Young Kim (R-CA) | Financial Services Committee 📅 1 September 2026 | 📋 Reported by committee (Financial Services, as amended, H. Rept. 119-792) What's next: Floor scheduling (leadership decides if and when it gets a vote) Summary: The bill would amend federal banking law to create exceptions allowing banks to hold funds longer when they suspect a check or wire transfer is fraudulent, rather than being required to make deposited funds available within standard timeframes. It aims to give financial institutions more flexibility to prevent fraud losses while protecting depositors from schemes involving fake or stolen payment instruments. [AI-Generated]

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