119th Congress · introduced in the Senate · May 1, 2025
GENIUS Act
Official title from Congress.gov
Latest action (Jul 18, 2025): Became Public Law No: 119-27.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Public Law (Jul 18, 2025) · 2 versions published
Guiding and Establishing National Innovation for U.S. Stablecoins Act or the GENIUS Act
This act establishes a regulatory framework for payment stablecoins (digital assets which an issuer must redeem for a fixed value).
Under the act, only permitted issuers may issue a payment stablecoin for use by U.S. persons, subject to certain exceptions and safe harbors. Permitted issuers must be a subsidiary of an insured depository institution, a federal-qualified nonbank payment stablecoin issuer, or a state-qualified payment stablecoin issuer. Permitted issuers must be regulated by the appropriate federal or state regulator. Permitted issuers may choose federal or state regulation; however, state regulation is limited to those with a stablecoin issuance of $10 billion or less.
Permitted issuers must maintain reserves backing the stablecoin on a one-to-one basis using U.S. currency or other similarly liquid assets, as specified. Permitted issuers must also publicly disclose their redemption policy and publish monthly the details of their reserves.
The act specifies requirements for (1) reusing reserves; (2) providing safekeeping services for stablecoins; and (3) supervisory, examination, and enforcement authority over federal-qualified issuers.
The act allows foreign issuers of stablecoins to offer, sell, or make available in the United States stablecoins using digital asset service providers, subject to requirements, including a determination by the Department of Treasury that they are subject to comparable foreign regulations.
Under the act, permitted payment stablecoins are not considered securities or commodities under law. However, permitted issuers are subject to the Bank Secrecy Act for anti-money laundering and related purposes.
(Sec. 3) This section establishes that only payment stablecoin issuers permitted under this act are allowed to issue a payment stablecoin in the United States. Knowing violations of this requirement shall be subject to a fine of up to $1 million for each violation, up to 5 years imprisonment, or both. Treasury may issue regulations establishing limited safe harbors from this requirement that are consistent with the act's purposes, limited in scope, and apply to a de minimus volume of transactions.
Three years after the date of enactment, digital asset service providers are prohibited from offering or selling stablecoins that are not issued by permitted issuers. Providers are also prohibited from offering, selling, or otherwise making available in the United States a foreign-issued payment stablecoin, unless it complies with requirements provided in section 18 of the act.
(Sec. 4) This section establishes requirements for permitted issuers. Issuers must maintain reserves on a one-to-one basis. Reserves must be comprised of
• U.S. coins and currency;
• demand deposits or shares at an insured depository institution;
• certain Treasury acts, notes, or bonds;
• money received under certain repurchase agreements or reverse repurchase agreements;
• certain investment company securities and money market funds invested in certain approved assets on this list;
• similarly liquid federal assets approved by regulators; or
• certain listed reserves in tokenized forms.
Issuers must comply with redemption requirements, such as establishing timely redemption procedures and disclosing such procedures and associated fees. Issuers must also report on the monthly composition of the issuer's reserves. These reports must be examined by a registered public accounting firm and certified by the chief executive officer and chief financial officer of the issuer.
The section prohibits the rehypothecation, or reuse, of reserves with limited exceptions.
Primary federal payment stablecoin regulators (federal regulators) and state payment stablecoin regulators (state regulators), where applicable, must issue regulations to implement capital requirements, liquidity reserve standards, reserve asset diversification standards, and risk management standards.
Issuers are subject to the anti-money laundering and counterterrorism requirements that are applicable to financial institutions.
The section sets forth requirements regarding activities of a permitted issuer, including by prohibiting issuers from providing services on the condition that a customer obtains an additional paid product or service from the issuer or a subsidiary.
Large issuers (those with more than $50 billion in consolidated total outstanding issuance) must publish an audited annual financial statement in accordance with generally accepted accounting principles.
The section prohibits a public nonfinancial services company from issuing payment stablecoins unless the company obtains unanimous approval from the Stablecoin Certification Review Committee.
A state qualified payment stablecoin issuer with a consolidated total outstanding issuance of not more than $10 billion may opt for state regulation if such regulation is substantially similar to the federal regulatory framework under this act. If the issuance exceeds that amount, the issuer must transition to federal regulation, receive a waiver from the federal regulator to remain under state regulation, or stop issuing stablecoins until the issuance is under the threshold.
(Sec. 5) This section establishes requirements for stablecoins issued by subsidiaries of insured depository institutions and certain entities chartered by the Office of the Comptroller of the Currency (OCC) to issue payment stablecoins. Federal regulators must establish an application process and a supervision framework for such entities.
The section sets forth requirements for the review of applications, explanations for denials, and an appeals process.
(Sec. 6) This section sets forth supervision, examination, and enforcement requirements for payment stablecoin issuers under federal supervision. The provisions include reporting on financial conditions, risk management, compliance with the act, and compliance with sanctions and anti-money laundering requirements. The section specifies that payment stablecoin issuers with less than $10 billion in consolidated total outstanding issuance are subject to federal supervision if they are not state qualified payment stablecoin issuers.
The section establishes civil penalties for violations of this act that are committed by those subject to federal supervision.
(Sec. 7) This section establishes state regulatory authority over issuers that qualify for and elect state regulation. The Federal Reserve Board may exercise enforcement authority over state issuers in unusual and exigent circumstances. The OCC must exercise enforcement authority over nonbank state issuers in these circumstances.
(Sec. 8) This section requires foreign issuers to comply with the terms of lawful orders to be allowed to offer, sell, or make available for trading a payment stablecoin in the United States. The section sets forth enforcement and appeal provisions. Treasury may waive the prohibition against the secondary trading of foreign payment stablecoins in the United States from noncompliant foreign issuers on a case-by-case basis if certain criteria are met.
(Sec. 9) Treasury must seek public comment regarding methods, techniques, or strategies for financial institutions to detect illicit activities involving digital assets and perform research and risk assessments on such methods, techniques, or strategies. Treasury must report their legislative recommendations to Congress and the Financial Crimes Enforcement Network must issue rules based on the results.
(Sec. 10) This section establishes requirements for custodial or safekeeping services for payment stablecoin reserves, collateral, and the private keys used to issue stablecoins. Among other requirements, such property must be separately accounted for and not comingled with other assets of the custodian.
(Sec. 11) This section addresses the treatment of payment stablecoins and stablecoin issuers in bankruptcy and insolvency proceedings, including their claim priority, conditions for an automatic stay, and the treatment of reserves as property of the estate.
Federal regulators must also report on topics regarding potential insolvency proceedings of issuers.
(Sec. 12) Federal regulators may, if determined necessary after an assessment, prescribe technical standards for issuers to promote compatibility and interoperability with other issuers and the broader digital finance system.
(Sec. 13) This section requires regulators to issue regulations to carry out the act, with federal and state regulators and Treasury coordinating as appropriate.
(Sec. 14) This section requires Treasury to study and report on nonpayment stablecoins, including endogenously collateralized payment stablecoins (a digital asset the originator of which has represented will be converted, redeemed, or repurchased for a fixed amount of monetary value and that relies solely on the value of another digital asset created or maintained by the same originator to maintain the fixed price).
(Sec. 15) This section requires federal regulators to annually report on payment stablecoin activity trends, the number of payment stablecoin issuer applicants, and the potential financial stability risks to the safety and soundness of the broader financial system posed by payment stablecoin activities.
(Sec. 16) This section defines authorities related to the act, such as by providing that the act does not limit the authority of a depository institution, credit union, national bank, or trust company to issue digital assets to represent deposits or shares.
Federal financial regulators may not require a financial institution to include certain digital assets held in its custody as a liability on financial statements or balance sheets.
(Sec. 17) This section establishes that payment stablecoins issued by permitted issuers are not securities or commodities under federal law.
(Sec. 18) This section provides an exception to the act's prohibition on foreign-issued payment stablecoins. For the exception to apply, foreign issuers must be subject to regulation and supervision by a foreign country that is comparable to the requirements under this act, as determined by Treasury. The foreign issuer must also be registered with the OCC, hold sufficient reserves in a U.S. financial institution (subject to exceptions), and the country where the issuer is domiciled must not be subject to U.S. sanctions.
The section sets forth requirements for Treasury's determination as to whether a foreign country has comparable regulatory and supervisory requirements, including the process of requesting a determination, the deadline for Treasury to render a decision, and the process by which Treasury may rescind a previous determination.
The section also sets forth OCC registration requirements.
Treasury may implement reciprocal or bilateral agreements between the United States and jurisdictions with comparable regulatory requirements.
(Sec. 19) This section requires certain federal employees to disclose holdings over $5,000 of permitted payment stablecoins as part of required financial disclosures.
(Sec. 20) The act takes effect on the earlier of (1) 18 months after the date of enactment, or (2) 120 days after federal regulators issue final regulations implementing the act.
Show less of the summaryIncludes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
House · Jul 17, 2025 · Roll call 200 · Passed
Senate · Jun 17, 2025 · Roll call 318 · Bill Passed
Senate · Jun 12, 2025 · Roll call 312 · Cloture Motion Agreed to
Senate · Jun 12, 2025 · Roll call 311 · Amendment Agreed to · Amendment vote
Senate · Jun 12, 2025 · Roll call 310 · Motion Agreed to · Amendment vote
Senate · Jun 12, 2025 · Roll call 309 · Motion to Table Failed · Amendment vote
Senate · Jun 11, 2025 · Roll call 305 · Cloture Motion Agreed to
Senate · May 21, 2025 · Roll call 263 · Motion to Proceed Agreed to
Senate · May 19, 2025 · Roll call 262 · Cloture on the Motion to Proceed Agreed to
Senate · May 8, 2025 · Roll call 240 · Cloture on the Motion to Proceed Rejected
Became Public Law No: 119-27.
Became Public Law No: 119-27.
Signed by President.
Signed by President.
Presented to President.
Presented to President.
Motion to reconsider laid on the table Agreed to without objection.
On passage Passed by the Yeas and Nays: 308 - 122 (Roll no. 200). (text: CR H3405-3418) Roll call details
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 308 - 122 (Roll no. 200). Roll call details
Considered as unfinished business. (consideration: CR H3449-3450)
POSTPONED PROCEEDINGS - At the conclusion of debate on S. 1582, the Chair put the question on passage of the bill and by voice vote, announced that the ayes had prevailed. Ms. Waters demanded the yeas and nays and the Chair postponed further proceedings until a time to be announced.
The previous question was ordered pursuant to the rule.
DEBATE - The House proceeded with one hour of debate on S. 1582.
Rule provides for consideration of H.R. 4016, H.R. 3633, H.R. 1919 and S. 1582. The resolution provides for consideration of H.R. 4016 and H.R. 3633 under a structured rule, and H.R. 1919 and S. 1582 under a closed rule, with one hour of general debate on each bill. The resolution provides for a motion to recommit on H.R. 4016, H.R. 3633, and H.R. 1919, and a motion to commit on S. 1582.
Considered under the provisions of rule H. Res. 580. (consideration: CR H3405-3427)
Rule H. Res. 580 passed House.
Rules Committee Resolution H. Res. 580 Reported to House. Rule provides for consideration of H.R. 4016, H.R. 3633, H.R. 1919 and S. 1582. The resolution provides for consideration of H.R. 4016 and H.R. 3633 under a structured rule, and H.R. 1919 and S. 1582 under a closed rule, with one hour of general debate on each bill. The resolution provides for a motion to recommit on H.R. 4016, H.R. 3633, and H.R. 1919, and a motion to commit on S. 1582.
Held at the desk.
Received in the House.
Message on Senate action sent to the House.
Passed Senate with an amendment by Yea-Nay Vote. 68 - 30. Record Vote Number: 318. (text: CR S3419-3432) Roll call details
Passed/agreed to in Senate: Passed Senate with an amendment by Yea-Nay Vote. 68 - 30. Record Vote Number: 318. Roll call details
Considered by Senate. (consideration: CR S3418-3432)
Cloture on the bill, as amended invoked in Senate by Yea-Nay Vote. 67 - 27. Record Vote Number: 312. Roll call details
Considered by Senate. (consideration: CR S3366-3367)
Motion by Senator Thune to commit to Senate Committee on Banking, Housing, and Urban Affairs with instructions to report back forthwith with the following amendment (SA 2312) fell when cloture was invoked on amendment SA 2307 in Senate.
Considered by Senate. (consideration: CR S3335-3336)
Motion by Senator Thune to commit to Senate Committee on Banking, Housing, and Urban Affairs with instructions to report back forthwith with the following amendment (SA 2312) made in Senate.
Cloture motion on the bill presented in Senate. (CR S3276)
Considered by Senate. (consideration: CR S3275-3277)
Considered by Senate. (consideration: CR S3155-3156)
Measure laid before Senate by motion. (consideration: CR S3025)
Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 69 - 31. Record Vote Number: 263. Roll call details
Motion to proceed to measure considered in Senate. (CR S3017)
Motion to proceed to measure considered in Senate. (CR S2983)
Motion by Senator Thune to reconsider the vote by which cloture on the motion to proceed to the measure was not invoked (Record Vote No. 240) rendered moot in Senate.
Cloture motion on the motion to proceed rendered moot in Senate.
Second cloture motion on the motion to proceed invoked in Senate by Yea-Nay Vote. 66 - 32. Record Vote Number: 262. (CR S2965) Roll call details
Second cloture motion on the motion to proceed presented in Senate. (CR S2947)
Motion to proceed to consideration of measure made in Senate.
Motion to proceed to consideration of measure made in Senate. (CR S2847)
Motion by Senator Thune to reconsider the vote by which cloture on the motion to proceed to the measure was not invoked (Record Vote No. 240) made in Senate.
Cloture on the motion to proceed to the measure not invoked in Senate by Yea-Nay Vote. 48 - 49. Record Vote Number: 240. (CR S2823) Roll call details
Motion to proceed to consideration of measure made in Senate. (CR S2814)
Cloture motion on the motion to proceed to the measure presented in Senate. (CR S2772)
Motion to proceed to consideration of measure made in Senate. (CR S2772)
Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 66.
Introduced in the Senate. Read the first time. Placed on Senate Legislative Calendar under Read the First Time.
Introduced in Senate
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LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 23, 2026.
327 citations; showing the 25 most recently posted.
BLOCK INC. · lobbying firm or registrant: BLOCK INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Financial Institutions/Investments/Securities
$320,000
Spent on own lobbying
…ayments, industrial loan companies (ILCs), and small business lending (no bill). Issues related to artificial intelligence, cryptocurrency, and digital assets. S. 1582, the GENIUS Act (P.L. 119-27). Issues pertaining to manpower and personnel.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FEDERAL HALL POLICY ADVISORS, LLC ON BEHALF OF DEFI EDUCATION FUND · lobbying firm or registrant: GOLDSTEIN POLICY SOLUTIONS LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…y Act of 2025 S. 1223, Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act S. 1273, Combatting Money Laundering in Cyber Crime Act of 2025 S. 1582, Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act Draft market structure legislation in Senate
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FEDERAL HALL POLICY ADVISORS, LLC ON BEHALF OF DEFI EDUCATION FUND · lobbying firm or registrant: GOLDSTEIN POLICY SOLUTIONS LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · amended · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…y Act of 2025 S. 1223, Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act S. 1273, Combatting Money Laundering in Cyber Crime Act of 2025 S. 1582, Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act Draft market structure legislation in Senate
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FEDERAL HALL POLICY ADVISORS, LLC ON BEHALF OF DEFI EDUCATION FUND · lobbying firm or registrant: GOLDSTEIN POLICY SOLUTIONS LLC
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…y Act of 2025 S. 1223, Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act S. 1273, Combatting Money Laundering in Cyber Crime Act of 2025 S. 1582, Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act Draft market structure legislation in Senate
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FEDERAL HALL POLICY ADVISORS, LLC ON BEHALF OF DEFI EDUCATION FUND · lobbying firm or registrant: GOLDSTEIN POLICY SOLUTIONS LLC
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…y Act of 2025 S. 1223, Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act S. 1273, Combatting Money Laundering in Cyber Crime Act of 2025 S. 1582, Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act Draft market structure legislation in Senate
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
COINBASE, INC. · lobbying firm or registrant: COINBASE, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$1,040,000
Spent on own lobbying
H.R. 3633: DIGITAL ASSET MARKET CLARITY ACT OF 2025; ALL PROVISIONS P.L. 119-27 (S. 1582): GENIUS ACT; PROVISIONS RELATED TO STABLECOIN TREATMENT GENERAL DISCUSSIONS RELATED TO SECURITIES EXCHANGE COMMISSION AND COMMODITY FUTURES TRADING COMMISSION…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
COINBASE, INC. · lobbying firm or registrant: COINBASE, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$1,040,000
Spent on own lobbying
…IGITAL ASSET MARKET CLARITY ACT OF 2025; ALL PROVISIONS GENERAL DISCUSSIONS REGARDING DIGITAL ASSET MARKET STRUCTURE GENERAL DISCUSSIONS REGARDING P.L. 119-27 (S. 1582) GENIUS ACT IMPLEMENTATION GENERAL DISCUSSIONS RELATED TO SECURITIES EXCHANGE COMMISSION AND COMMODITY FUTURES TRADING COMMISSION CRPYTO-ASSETS RULEMAKING
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
COINBASE, INC. · lobbying firm or registrant: COINBASE, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Science/Technology
$1,040,000
Spent on own lobbying
H.R. 3633: DIGITAL ASSET MARKET CLARITY ACT OF 2025; ALL PROVISIONS P.L. 119-27 (S. 1582): GENIUS ACT; PROVISIONS RELATED TO STABLECOIN TREATMENT
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FEDERAL HALL POLICY ADVISORS, LLC ON BEHALF OF DEFI EDUCATION FUND · lobbying firm or registrant: GOLDSTEIN POLICY SOLUTIONS LLC
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$30,000
Paid to lobbying firm
…y Act of 2025 S. 1223, Prohibiting Foreign Adversary Interference in Cryptocurrency Markets Act S. 1273, Combatting Money Laundering in Cyber Crime Act of 2025 S. 1582, Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act Draft market structure legislation in Senate
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CITIGROUP WASHINGTON, INC. · lobbying firm or registrant: CITIGROUP WASHINGTON, INC.
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · amended · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$1,270,000
Spent on own lobbying
…ions S.401/H.R.987, Fair Access to Banking Act - all provisions S.875/H.R.2702, Financial Integrity and Regulation Management (FIRM) Act - all provisions S.919/S.1582, Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act - all provisions S.1053/H.R.2246, Foreign Investment Guardrails to Help Thwart…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
GOWEST CREDIT UNION ASSOCIATION · lobbying firm or registrant: GOWEST CREDIT UNION ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Spent on own lobbying
…grams and credit union operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3674; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652; H.R 1791; H.R. 1799; H.R…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
GOWEST CREDIT UNION ASSOCIATION · lobbying firm or registrant: GOWEST CREDIT UNION ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$60,000
Spent on own lobbying
…grams and credit union operational flexibility; issues related to community development financial institutions; S. 303; S. 394; S. 401; S. 522; S. 919; S. 940; S. 1582; S. 1880; S. 2019; S. 2296; S. 2999; S. 3017; S. 3355; S. 3674; S. 3684; H.R. 654; H.R. 814; H.R. 975; H.R. 987; H.R. 1603; H.R. 1652; H.R 1791; H.R. 1799; H.R…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
PATHWARD, N.A. · lobbying firm or registrant: PATHWARD, N.A.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$160,000
Spent on own lobbying
Banking and Fintech issues. Durbin Amendment on Interchange to Dodd-Frank. Section 1071 Small Business Data Collection. S. 1582, GENIUS Act. H.R. 2392, STABLE Act of 2025. H.R. 3633, Digital Asset Market Clarity Act of 2025 (CLARITY Act). Regulatory supervisory practices. Earned Wage Ac…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
JPMORGAN CHASE HOLDINGS, LLC · lobbying firm or registrant: WILLIAMS AND JENSEN, PLLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
…inancial literacy; issues relating to payment innovation and card technology; issues related to payment card security; issues relating to Data Use and Privacy. S. 1582. Issues related to implementation of section 1033 of the Dodd Frank Act. Issues related to H.R. 3633, the CLARITY Act and S.1582, the GENIUS Act.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN AIRLINES, INC. · lobbying firm or registrant: WILLIAMS AND JENSEN, PLLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
…inancial literacy; issues relating to payment innovation and card technology; issues related to payment card security; issues relating to Data Use and Privacy. S. 1582.
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BANK POLICY INSTITUTE · lobbying firm or registrant: BANK POLICY INSTITUTE
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$520,000
Spent on own lobbying
…erest Rates Act; H.R. 7531, Secure Payments Act of 2024; S.3538, Close the Shadow Banking Loophole Act; H.R. 9303, Protecting Consumers from Payment Scams Act; S.1582, Guiding and Establishing National Innovation for U.S. Stablecoins Act or the GENIUS Act of 2025; H.R. 2392, Stablecoin Transparency and Accountability for a B…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
ERNST & YOUNG LLP (WASHINGTON COUNCIL ERNST & YOUNG) · lobbying firm or registrant: ERNST & YOUNG LLP (WASHINGTON COUNCIL ERNST & YOUNG)
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Accounting
$750,000
Spent on own lobbying
…financial reporting, and similar topics; issues related to the regulation of digital assets, including H.R. 3633, the Digital Asset Market Clarity Act of 2025, S. 1582, the GENIUS Act; H.R. 2911, Accounting STEM Pursuit Act; issues related to blockchain technology, issues related to the regulation of artificial intelligence.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
PAYPAL, INC. · lobbying firm or registrant: FRANKLIN SQUARE GROUP, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
Policy issues related to digital assets and financial technology; H.R. 2392, STABLE Act of 2025; H.R. 3633, Digital Asset Market Clarity Act of 2025; S. 1582, GENIUS Act; Discussion Draft of Responsible Financial Innovation Act of 2025
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
COINBASE, INC. · lobbying firm or registrant: FRANKLIN SQUARE GROUP, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$80,000
Paid to lobbying firm
…ry structure and clarity for digital assets; Financial Innovation and Technology for the 21st Century Act; H.R. 3633, Digital Asset Market Clarity Act of 2025; S. 1582, GENIUS Act; Discussion Draft of Responsible Financial Innovation Act of 2025; S. 5616, Aligning Digital Assets with Principles of Taxation (ADAPT) Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN FINTECH COUNCIL · lobbying firm or registrant: AMERICAN FINTECH COUNCIL
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$120,000
Spent on own lobbying
…Financial Protection Accountability and Reform Act of 2026: provisions related to earned wage access, governance, nonbank supervision, and consumer complaints. S. 1582 - Guiding and Establishing National Innovation for U.S. Stablecoins (GENIUS) Act: provisions related to interest/yield reform. S. 3721 - Empowering States Righ…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
RBC CAPITAL MARKETS, LLC · lobbying firm or registrant: RBC CAPITAL MARKETS, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$130,000
Spent on own lobbying
Issues related to capital framework and liquidity requirements for banks. Issues related to implementation of the GENIUS Act. S.1582 - GENIUS Act H.R.3633 - Digital Asset Market Clarity Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
VISA USA, INC. · lobbying firm or registrant: MINDSET ADVOCACY, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$60,000
Paid to lobbying firm
…, payment/data security, payments regulation, privacy & data use issues. Issues related to interchange fees on electric payments including S. 3623 & H.R. 7035. S.1582 GENIUS (Guiding and Establishing National Innovation for US Stablecoin Act) /PL 119-27. Financial literacy. H.R. 3633, the Digital Asset Market Clarity Act of…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
VISA USA, INC. · lobbying firm or registrant: MINDSET ADVOCACY, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$60,000
Paid to lobbying firm
Issues related to interchange fees on electric payments including S. 3623 & H.R. 7035. S.1582 GENIUS (Guiding and Establishing National Innovation for US Stablecoin Act) /PL 119-27.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAINALYSIS INC. · lobbying firm or registrant: TWENTY-FIRST CENTURY GROUP, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$14,000
Paid to lobbying firm
Issues related to tracking of illicit financial activity on the blockchain; blockchain intelligence. S. 1582, GENIUS Act, H.R. 3633, CLARITY Act, and market structure.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAINALYSIS INC. · lobbying firm or registrant: TWENTY-FIRST CENTURY GROUP, INC.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Law Enforcement/Crime/Criminal Justice
$14,000
Paid to lobbying firm
Issues related to tracking of illicit financial activity on the blockchain, blockchain intelligence. S. 1582, GENIUS Act, H.R. 3633, CLARITY Act, and market structure.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing