119th Congress · House bill · Last action Sep 1, 2026
H.R. 9331IntroducedFinance and Financial Sector
STOP Payments Fraud Act of 2026
Sponsor: Rep. Kim, Young (R-CA)3 cosponsorsIntroduced Jun 18, 2026
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In plain English
H.R. 9331, sponsored by Rep. Young Kim (R-CA), requires banks to make funds from checks available to customers on the same timeline regardless of check type, while creating exceptions to these availability requirements in certain fraud cases. The bill directs the Federal Reserve to study and report on funds availability practices and requires the agency to issue implementing rules, with an effective date delayed to allow time for rulemaking.
What’s in the bill (5 sections)
- Sec. 2. Parity of availability for certain checks
- Sec. 3. Exception to funds availability requirements in the case of
- Sec. 4. Exception to funds availability requirements in the case of
- Sec. 5. Study and report on funds availability
- Sec. 6. Rulemaking required and delayed effective date
Generated by ThePolitibase from the bill text and CRS summary. Read the official text →
Note: the official CRS summary for this bill was written on 2026-09-01, but the bill text was revised on 2026-09-01T04:00:00Z. Provisions may have been added since the summary was written — the section list above reflects the current text.
Where it is in the process
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Introduced
Jun 18
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House committee
Jun 30
3
House floor
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4
Senate
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5
Signed
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What happens next: Awaiting committee assignment or hearings in the House.
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Sponsor
YR
Rep. Kim, Young [R-CA-40]
R-CA-40
Cosponsors (3)
MR
VR
SR
2 Democrats, 1 Republican (of 3 shown).
Activity timeline
Sep 1
Sep 1
Sep 1
Placed on the Union Calendar, Calendar No. 692.
Sep 1
Sep 1
Sep 1
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-792.
Sep 1
Sep 1
Sep 1
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-792.
Jun 30
Jun 30
Jun 30
Ordered to be Reported (Amended) by the Yeas and Nays: 51 - 0.
Jun 30
Jun 30
Jun 30
Committee Consideration and Mark-up Session Held
Jun 18
Jun 18
Jun 18
Referred to the House Committee on Financial Services.
Jun 18
Jun 18
Jun 18
Introduced in House
Jun 18
Jun 18
Jun 18
Introduced in House
Read the bill text
Official text via Congress.gov. Opens in a new tab.
Full action log
All 8 recorded actions since introduction · Source: Congress.gov
Sep 1
HOUSEPlaced on the Union Calendar, Calendar No. 692.
Sep 1
HOUSEReported (Amended) by the Committee on Financial Services. H. Rept. 119-792.
Sep 1
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-792.
Jun 30
HOUSEOrdered to be Reported (Amended) by the Yeas and Nays: 51 - 0.
Jun 30
HOUSECommittee Consideration and Mark-up Session Held
Jun 18
HOUSEReferred to the House Committee on Financial Services.
Jun 18
Introduced in House
Jun 18
Introduced in House
All 3 cosponsors
2 Democrats · 1 Republican
Democrats (2)
Gonzalez, VicenteTX-34
Garcia, Sylvia R.TX-29
Republicans (1)
Lawler, MichaelNY-17
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