House bill · 119th Congress · Latest step: Introduced
Employee Paycheck and Small Business Protection Act
Official title: To amend the Federal Deposit Insurance Act and the Federal Credit Union Act to authorize a temporary transaction account guarantee program, expand deposit and share insurance to cover business payment accounts, and for other purposes.
Sponsor: Rep. Maxine Waters D-CAWhere it went
- IntroducedJul 21, 2025
- Committee action—
- Passed House—
- Passed Senate—
- To the President—
- Became law—
Latest action: Jul 21, 2025 — Referred to the Committee on Financial Services, and in addition to the Committee on Rules, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Cost and committee reports
Official records Congress.gov attaches to H.R. 4551.
- Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Ms. WATERS, as printed in the Congressional Record (Vol. 171, No. 124, July 21, 2025, Page H3527):Clause 3 of Section 8 of Article I of the Constitution, which provides Congress with the power to ``regulate commerce with foreign nations, and among the several states, and with the Indian tribes.''Source: Congress.gov, Congressional Record July 21, 2025 ↗
Evidence
- Field in the Congress.gov record
- constitutionalAuthorityStatementText
- Statement length
- 199 characters
- Congress.gov bill record
- H.R. 4551, 119th Congress
- Congress.gov API record
- https://api.congress.gov/v3/bill/119/hr/4551
- Record last updated by Congress.gov
- September 19, 2026
- PORKER copy retrieved
- September 24, 2026
- Stored copy, SHA-256 of the file
94b84fa1b3aa8af03a364e75a424806589a5ac736add513cc9f5a392bf953416
PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.
Congress.gov’s record for this bill does not list a CBO cost estimate or a committee report (as of September 19, 2026). Not every bill gets one.
From the Congress.gov bill record for H.R. 4551, last updated September 19, 2026. PORKER’s copy was retrieved September 24, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.
Vote results
No recorded roll-call votes on this bill in PORKER’s records (voice votes and unanimous consent are not roll calls; roll-call records start in 2011).
Cosponsors
No cosponsors.
More from the sponsor
Other 119th Congress bills sponsored by Rep. Maxine Waters.
- H.R. 3422 (119th) Promoting Opportunities for Non-Traditional Capital Formation Act
- H.R. 1764 (119th) Aligning SEC Regulations for the World Bank’s International Development Association Act
- H.R. 4544 (119th) American Access to Banking Act
- H.Res. 259 (119th) Of inquiry requesting the President to provide certain documents in the President's possession to the House of Representatives relating to…
- H.R. 10325 (119th) To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.
- H.Res. 1106 (119th) Honoring the life and legacy of Rev. Jesse Louis Jackson, Sr.
Sponsor’s state and district
Data as of Sep 29, 2026 · bill record checked by PORKER from Congress.gov · votes from Senate.gov and the House Clerk. PORKER is non-partisan.