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Preventing Elected Leaders from Owning Securities and Investments (PELOSI) Act

Source: Congress.gov  ·  2,303 words in original text
This bill would ban Members of Congress and their spouses from buying, selling or holding certain investments while the member serves in office. The bill also requires Congress members to disgorge (give back) any profits from illegal trades and prevents them from using losses to reduce their taxes.
Members of Congress and their spouses.
• Members of Congress and their spouses cannot hold, purchase or sell covered financial instruments during the member's term of service, with a 180-day grace period to sell existing holdings (Sec. 202(a) and (b)). • Covered financial instruments include stocks, security futures (a type of investment contract based on a stock's price), commodities (basic goods like oil or wheat), and synthetic investments like options and warrants (special rights to buy or sell at a set price), but exclude diversified mutual funds, exchange-traded funds (investment funds that trade like stocks), Treasury bills, notes and bonds, and a spouse's regular job compensation (Sec. 201(1)). • Members must submit written certifications at least once per year proving they have complied with the ban, and these certifications will be published on a public website (Sec. 203). • Members who violate the ban must give all profits to the U.S. Treasury, cannot deduct losses from income taxes, and may face civil fines assessed by Senate or House ethics committees (Sec. 202(c)). • The Senate ethics committee and House ethics committee can extend compliance deadlines if a member is making a good faith effort to sell banned investments, and can publish descriptions of all fines, reasons for fines, and hearing results online (Sec. 204).
If this bill becomes law, Congress members and their spouses would no longer legally own most individual stocks, commodity contracts and other direct investments. Members would have 180 days from the bill's passage to sell these holdings. Members already in office when the law passes get 180 days, while newly elected members get 180 days from their first day in office.
The bill defines "covered financial instrument" as any investment in stocks, security futures or commodities, plus similar economic interests created through synthetic means like derivatives (contracts whose value is based on an underlying asset). Qualified blind trusts (accounts managed by independent trustees where the owner does not know what investments are held) are excluded from the ban.
Important: This plain English summary was generated by AI and is provided for informational purposes only. It is not legal advice. Always consult the official bill text on Congress.gov or a qualified attorney for legal matters.