# 119-hr-5166: Financial Services and General Government Appropriations Act, 2026 119-hr-5166, Financial Services and General Government Appropriations Act, 2026, is a 119th Congress bill sponsored by Rep. Joyce, David P. [R-OH-14] (R-OH); status in_committee; PRIA reads it as touching household money (as of 2026-07-13). - Canonical: https://policyrisk.com/legislation/119-hr-5166 - As of: 2026-07-13 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: 119-hr-5166 - Congress: 119 - Title: Financial Services and General Government Appropriations Act, 2026 - Status: in_committee - Introduced: 2025-09-05 - Sponsor: Rep. Joyce, David P. [R-OH-14] (R-OH) - Cosponsors: 0 - Policy area: Economics and Public Finance - Touches household money: yes - Last recorded action: 2026-07-13 ## Summary **FY2026 funding and policy controls for Treasury and federal agencies** would set budgets and attach broad policy limits across the Department of the Treasury, the Executive Office, the Judiciary, and many independent agencies. It would combine detailed appropriations with transfer caps, reporting deadlines, procurement and personnel rules, and moratoria on several rulemakings. - Families and federal beneficiaries would face tighter limits on abortion coverage in the Federal Employees Health Benefits program and restricted DC-funded abortion care, with only life-of-mother and rape or incest exceptions. - Taxpayers and IRS operations would see separate funding by function, a cap on IRS transfers at 5 percent without committee approval, required taxpayer-rights and ethics training, and a prohibition on changing the 501(c)(4) social-welfare standard from the Jan. 1, 2010 baseline. - Consumers and digital-asset markets would be affected by CPSC moratoria on select safety standards and by digital-asset provisions that ban funds for designing a U.S. central bank digital currency and require Treasury reports on a Strategic Bitcoin Reserve and secure custody plans within 90 days. ## Provisions PRIA read - Stronger privacy on federal websites: benefit, high. If enacted, agencies could not track your identifiable visits to government websites or buy such data. They could still use anonymous stats, take voluntary info, do lawful enforcement, and protect site security. This would broadly protect user privacy online. - Faster IRS help and fraud checks: benefit, medium. If enacted, Treasury could directly hire staff to work IRS backlogs. In FY2026, the IRS would use funds to add 1-800 phone staff and improve facilities, with priority for victims of tax-related crimes. The IRS would also send a confirmation any time an employer changes its address, to both the old… - Protections for political and religious speech: benefit, medium. If enacted, agencies could not require federal contract bidders to disclose political contributions as a condition to bid. Agencies also could not take adverse actions against people or groups for acting on a belief that marriage is between one man and one woman. Adverse actions include changing ta… - Stronger whistleblower protections: benefit, medium. If enacted, agencies could not enforce nondisclosure rules that block employees from reporting waste, abuse, or danger to Congress or inspectors. The government also could not fund contractors or grantees that gag workers from legally reporting fraud to federal investigators. - Keep rural phone and internet support: benefit, medium. If enacted, the FCC would be barred from changing certain high-cost universal service support rules for competitive carriers in ways that conflict with the July 15, 2015 rules. The FCC could design a new mechanism, like the 5G Fund for Rural America, but current high-cost support must continue unti… - Keep 501(c)(4) rules unchanged in 2026: benefit, medium. If enacted, Treasury and the IRS could not change the standard for what counts as a 501(c)(4) social welfare group during fiscal year 2026. The definitions in place on January 1, 2010 would apply to groups formed before or after enactment. - Limit FinCEN ownership-rule enforcement: benefit, medium. If enacted, FinCEN could not use funds to enforce beneficial-ownership reporting rules that a Federal court found unconstitutional or not aligned with Congress’s intent. This includes rules for small businesses and homeowners associations. Treasury would also need to report to Congress within 90 da… - Bigger DC college tuition awards: benefit, low. If enacted, some DC College Access awards would rise. Key caps increase from $10,000 to $15,000 and $50,000 to $75,000. Other amounts increase from $2,500 to $3,750 and $12,500 to $18,750. If an award is above these limits, tuition and fee payments would be reduced proportionally. - Cost reports for Executive orders: benefit, low. If enacted, Executive orders and certain Presidential memoranda in 2026 would need an OMB statement showing costs, benefits, and revenues over five years. For emergency orders, OMB could provide it within 15 days. Memoranda need estimates only if regulatory costs exceed $100,000,000. - FEHB cuts to abortion and gender care: cost, medium. If enacted, FEHB plans could not use these funds to cover abortions or plan admin costs tied to abortion, except to save the mother’s life or for rape or incest. FEHB plans also could not cover gender-affirming surgeries, puberty blockers, or hormone therapy. Enrollees could face higher out-of-pock… - Limit DC use of federal funds for abortion: cost, medium. If enacted, the District of Columbia could not spend federal funds on abortion care, except to save the mother’s life or for rape or incest. People in DC who relied on federal funding could face higher out-of-pocket costs or less access. - Freeze pay for senior federal officials: cost, medium. If enacted, pay for the Vice President and certain senior appointees would be frozen at December 31, 2025 levels for calendar year 2026. Prevailing-rate federal workers could not be paid more than their September 30, 2025 rates for service after that date, unless OPM allows exceptions for hiring or… - Block on a free IRS e-file: cost, low. This bill would bar the IRS from building or offering a free public e-file service unless Congress’s tax and appropriations committees first approve it. The limit would take effect on enactment and apply to money from this and any other Act. - Agencies would fund retirement processing: cost, low. During FY2026, agencies that separate certain retiring employees would pay into the Civil Service Retirement and Disability Fund. The amount would equal OPM’s average cost to process a retirement claim from the prior year. OPM could use these remittances for its administrative expenses. - Digital asset plan; no CBDC work: mixed, high. If enacted, Treasury could not use this Act’s funds to advise on or help design a U.S. central bank digital currency. Treasury also could not join any decision to end paper cash as legal tender. Within 90 days of enactment, Treasury would need to send Congress a plan to securely hold federal digita… - Carry concealed in DC and WMATA: mixed, medium. If enacted, anyone with a valid carry permit from any state or territory could carry a concealed handgun in DC and on WMATA. This would make travel easier for permit-holders but would change local safety rules for commuters. - IRS rules to protect taxpayers: mixed, medium. If enacted, the IRS would have to safeguard tax return privacy and fight identity theft in 2026. IRS staff would get training on taxpayer rights and fair treatment. The IRS could not target groups for ideology or for exercising First Amendment rights. In 2026, IRS bonuses or rehiring would need con… - SBA loans limited; more IT upgrades: mixed, medium. If enacted, the SBA could not create or expand any direct lending program that was not in effect on January 1, 2024. At the same time, up to 3% of SBA Salaries and Expenses and Business Loans funds could be moved to SBA’s IT modernization fund with advance approval. Those transferred IT funds would… - SBA rules and limits for 2026: mixed, medium. If enacted, SBA could not force small businesses to comply with ECOA section 704B using these funds. SBA transfers would be capped at 5% from a source account and could not raise a receiving account by more than 10%, and must follow reprogramming rules. SBA could not hire in its DC office until a s… - Cut funds to non-citizen voting areas: mixed, medium. If enacted, federal funds from this or other Acts could not go to states or localities that allow non-citizens to vote in federal elections. Local services there could lose federal dollars. - New limits and flex on budget moves: mixed, medium. If enacted, agencies could not move FY2026 funds to create or expand programs without approval, including reprogrammings over $3,000,000 or 10% and big staffing changes. DC could move local funds under this title through November 7, 2026. The White House could shift up to 10% between certain accoun… - No federal funds to legalize Schedule I: mixed, medium. If enacted, agencies could not use these funds to legalize or cut penalties for Schedule I drugs, including THC derivatives. The District of Columbia also could not use available funds to legalize recreational possession or use. - Limits on gas stove and off-road rules: mixed, medium. If enacted, funds could not be used to ban gas stoves as a class. Two CPSC rules for off-highway vehicles would be paused until a National Academy of Sciences study is done and reported to Congress. This would keep products on the market while delaying possible safety standards. - Limits on federal vehicle purchases: mixed, medium. If enacted, agencies could not buy or lease vehicles from firms owned or controlled under PRC law, including named companies and affiliates, or from makers tied to certain DoD-listed entities. Agencies also could not buy battery electric vehicles, EV batteries, chargers, or EV infrastructure with t… - Buy American waived for commercial IT: mixed, medium. If enacted, the government could buy commercial IT products without applying Buy American rules. This could lower procurement costs and open bids to more suppliers, including foreign firms. - Stricter screening for federal contractors: mixed, medium. If enacted, agencies could not award to corporations with a federal felony conviction in the past 24 months or with certain unpaid federal tax debts, unless safety steps are taken. Agencies also could not contract with foreign firms treated as inverted domestic corporations, unless waived for natio… - Contraceptive coverage in federal contracts: mixed, low. If enacted, new or renewed federal contracts that include drug coverage would also need to cover contraceptives. Named religious plans and any carrier with a religious objection would be exempt. Plans could not punish workers who refuse to provide contraceptives for religious or moral reasons. - Limits on federal training and hiring: mixed, low. If enacted, agencies could not fund trainings not tied to job duties or likely to cause strong stress, or that use certain belief-system methods. Agencies could not hire, promote, or keep people convicted of child pornography or other sexual assault crimes, or those disciplined for using federal re… - Tighter rules on travel and conferences: mixed, low. If enacted, agencies would have to report each conference that cost over $100,000, and quarterly report those over $20,000 in FY2026. Grants and contracts could not pay for conferences unrelated to the award. Regulators could not accept travel payments from the companies they regulate, except from… - Clear taxpayer-funded labels on materials: mixed, low. If enacted, agencies would have to say when ads, emails, or videos were paid for by U.S. taxpayers. Grantees would have to state how much Federal money and non-government funds pay for their projects, in both dollars and percent. This would improve transparency but add reporting work for agencies a… - More flexibility for GSA citizen services: mixed, low. If enacted, agencies could transfer up to $29 million to GSA’s Federal Citizen Services Fund with OMB approval. GSA must send a detailed spend plan within 90 days of enactment, and transfers must wait 15 days after notifying Appropriations. Agencies could also move up to $15 million for coordinatio… ## Related bills - 119-hr-3151: SHIPS for America Act of 2025 - 119-hr-2570: Maximum Pressure Act - 119-hr-1229: United States-Israel Defense Partnership Act of 2025 - 119-hr-6024: BRAVE Act of 2025 - 119-hr-644: Harmful Algal Bloom and Hypoxia Research and Control Amendments Act of 2025 - 119-hr-4206: CONNECT for Health Act of 2025 ## Sources - [119-hr-5166 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5166) ## Related - [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151) - [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570) - [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229) - [119-hr-6024: BRAVE Act of 2025](https://policyrisk.com/legislation/119-hr-6024) - [119-hr-644: Harmful Algal Bloom and Hypoxia Research and Control Amendments Act of 2025](https://policyrisk.com/legislation/119-hr-644) - [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206) - [All bills in Congress](https://policyrisk.com/legislation) Source: PRIA, https://policyrisk.com/legislation/119-hr-5166 (as of 2026-07-13).