YourVoice.Now Summary
Civil LibertiesTransparency & AccountabilityCriminal Justice & Due ProcessYour MoneyCorporate BenefitsOnline gifts to campaigns would need card checks — and every donor would be named, not just those over $200.
Civil Liberties
Today your name, address, job, and employer show up in public reports only after your gifts pass $200. This bill removes that floor, so a $10 gift would be listed too.
Donors whose mailing address is not in a U.S. state or territory would have to prove who they are. Citizens could send a passport copy or the U.S. address they use to vote. Green card holders would have to send a copy of their card.
A card gift would only count if the card carries the donor's own name. Using a spouse's or a parent's card to give would no longer work. This applies to all card gifts, not just online ones.
Committees could not knowingly take a donation paid with a store gift card or gift certificate. Store gift cards are not tied to a named bank account.
Transparency & Accountability
Committees would have to list every contributor in the reports they file with the Federal Election Commission, whatever the amount. Those reports go up for public viewing within two days.
Anyone giving online by credit or debit card would have to enter the card's security code and billing ZIP code. A repeat gift on the same saved card would only need this once.
Giving in another person's name is already against the law. This bill would also make it illegal to direct, help, or assist someone doing it.
Anyone who takes in a gift and suspects it really came from someone else would have to report it to the Federal Election Commission. The bill does not say what happens after that.
A gift made through a digital wallet — an app that stores your card details — would count as meeting the new rules on its own. The security code and ZIP code checks would not apply to it.
A treasurer who learns a donation broke the rules must pay it back. But if the committee shows it tried its best to follow the rules, it counts as having followed them.
Criminal Justice & Due Process
The ban would reach anyone who knowingly directs, helps, or assists a gift made in someone else's name. The bill does not spell out how much help counts.
Your Money
If a committee's treasurer knows your gift did not meet the new rules, they would have to pay it back to you. The same duty covers gift card donations.
Corporate Benefits
Before writing the rules, the Federal Election Commission would have to talk with payment card networks. Other groups affected by the rules would be consulted as well.
More about this bill
If you give to a federal campaign online, you would face new steps. You would have to enter your card's security code and the ZIP code on your bill. The card would have to be in your own name. Gift cards could not be used at all. Donors who live abroad would have to send an ID copy or a U.S. voter address. The bill would also end the $200 floor for naming donors. Today a campaign lists your name, address, job, and employer only after your gifts add up to more than $200. Under this bill, a $10 gift would be listed too. Those reports are public records. Helping someone give under another person's name would be banned. A campaign that suspects a gift really came from someone else would have to report it. The report goes to the Federal Election Commission, the agency that polices campaign money. None of this would start right away. The changes would apply 90 days after the commission writes its rules.
Congressional Summary
Campaign Finance Transparency ActThis bill addresses campaign finance in federal elections, including by expanding contribution and disclosure requirements.Specifically, the bill requires political committees, when accepting a credit or debit card contribution over the internet, to collect the credit or debit card's (1) verification value or verification code, and (2) ZIP Code of the billing address associated with the card. The bill generally requires an individual or entity making a contribution to have a U.S. mailing address; however, the bill provides an exception for U.S. citizens, nationals, or those lawfully admitted for permanent residence who provide the political committee with specified identifying information.The bill prohibits political committees from (1) accepting any credit or debit card contribution unless the name on the card used to make such contribution matches the name of the individual or entity donating the contribution, or (2) accepting a contribution made through the use of a gift certificate or store gift card.The bill removes a $200 threshold requirement for disclosing contributions, thereby requiring political committees to report identifying information about contributors, regardless of the amount contributed.The bill also prohibits knowingly directing, helping, or assisting any person in making a contribution in the name of another person. Any recipient of a contribution who suspects that the contribution was made by one person in the name of another person shall report it to the Federal Election Commission (FEC).The FEC must promulgate regulations to carry out this bill.
Details
- Congress
- 119th
- Chamber
- House
- Status
- summarized
- Action
- Introduced in House
- Action Date
- 2026-05-11
- Date Added
- 2026-07-11
- Source
- Congress.gov →
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