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119-s-4206Committee
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Know Your American Customer Act

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Summary

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The Know Your American Customer Act amends federal banking law to require banks and credit unions to verify that account holders are U.S. citizens or lawfully present in the country. Beginning 90 days after enactment, covered institutions must obtain citizenship or legal status documentation from individuals opening new accounts, using documents such as passports, birth certificates, state driver's licenses, or immigration forms. For individuals with temporary authorized stay, accounts are subject to a grace period and transaction restrictions if legal status documentation expires, with full account closure after 60 days if updated documentation is not provided.

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Bill details

Congress
119
Bill type
s
Introduced
March 25, 2026
Sponsor
Tom CottonRAR
Last action
March 25, 2026— Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

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