What The Vote
Overview

SMART Act of 2025

119-hr4437 — SMART Act of 2025. Sponsored by Rep. Timmons, William R. [R-SC-4]. Introduced 2025-07-16. House bill. 119th Congress.

119-hr4437 119th Congress House Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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SMART Act of 2025

Timeline

Rep. Timmons, William R. [R-SC-4]
Sponsor
Rep. Timmons, William R. [R-SC-4] (R), SC
Cosponsors
Bill Foster (D-IL)
Introduced
2025-07-16
Committees
Banking, Housing, and Urban Affairs Committee; Financial Services Committee
Subjects
Bank accounts, deposits, capital; Banking and financial institutions regulation; Business records; Congressional oversight; Corporate finance and management; Government studies and investigations

Bill Activity

House
Introduced in House
2025-07-16
Committee
2025-07-16
Referred to the House Committee on Financial Services.
Committee
2025-07-22
Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 1.
Reported in House
2025-09-08
Committee
2025-09-08
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-249.
Committee
2026-05-13
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Engrossed in House
2026-05-12
House Floor Vote
2026-05-12
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H3353-3354)
Senate
Referred in Senate
2026-05-13

How a Bill Becomes a Law

The typical path from introduction to law. Every bill's actual journey (above) may skip steps or stop early — most never make it past committee.

  1. 1
    Introduced

    A member files the bill in the House or Senate.

  2. 2
    Committee Review

    Referred to committee for hearings, markup, and a vote to advance it.

  3. 3
    Floor Vote

    The full chamber debates and votes on passage.

    This bill is here
  4. 4
    Second Chamber

    If passed, it repeats committee review and a floor vote in the other chamber.

  5. 5
    Resolve Differences

    If the chambers pass different versions, a conference reconciles them.

  6. 6
    Sent to President

    The reconciled bill is enrolled and delivered to the White House.

  7. 7
    Signed or Vetoed

    Becomes law with a signature, or automatically after 10 days.

    ✓ Becomes Law ✗ Vetoed

A veto can still be overridden by a two-thirds vote in both chambers. And once a bill is signed into law, further changes come from new amending legislation — not edits to the original text.

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