H.R. 9331: STOP Payments Fraud Act of 2026

H.R. 9331 is a federal bill in the 119th Congress. Before this bill, banks had strict legal timelines under the Expedited Funds Availability Act for making deposited check funds available to customers, with limited exceptions mostly tied to whether a check was likely to bounce. Under this bill, banks can… See its sponsors, how members voted, and a plain-English breakdown on PolityLens.