# 119-hr-8090: To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes.

119-hr-8090, To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes., is a 119th Congress bill sponsored by Rep. Stutzman, Marlin A. [R-IN-3] (R-IN); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-8090
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-8090
- Congress: 119
- Title: To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes.
- Status: introduced
- Introduced: 2026-03-25
- Sponsor: Rep. Stutzman, Marlin A. [R-IN-3] (R-IN)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Study whether to raise federal insurance for business and other non-personal transaction accounts.** The bill would require the FDIC and the National Credit Union Administration to run parallel, phased studies and to publish the underlying data and analysis.

## Provisions PRIA read

- Study on bank deposit insurance: benefit, high. This bill would require the FDIC Board to collect data and study whether the standard maximum deposit insurance amount should be higher for covered transaction accounts at banks. The FDIC would have to finish the study no earlier than the end of the 4th full calendar quarter after enactment and no…
- Study on credit union share insurance: benefit, high. This bill would require the NCUA Board to collect data and study whether the standard maximum share insurance amount should be higher for covered transaction accounts at insured credit unions. The NCUA would have to finish the study no earlier than the end of the 4th full calendar quarter after ena…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-4393: DIGNIDAD (Dignity) Act of 2025
- 119-hr-137: TCJA Permanency Act
- 119-hr-2570: Maximum Pressure Act
- 119-hr-6955: Main Street Capital Access Act
- 119-hr-4706: Protecting Our Farms and Homes from China Act

## Sources
- [119-hr-8090 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/8090)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-4393: DIGNIDAD (Dignity) Act of 2025](https://policyrisk.com/legislation/119-hr-4393)
- [119-hr-137: TCJA Permanency Act](https://policyrisk.com/legislation/119-hr-137)
- [119-hr-2570: Maximum Pressure Act](https://policyrisk.com/legislation/119-hr-2570)
- [119-hr-6955: Main Street Capital Access Act](https://policyrisk.com/legislation/119-hr-6955)
- [119-hr-4706: Protecting Our Farms and Homes from China Act](https://policyrisk.com/legislation/119-hr-4706)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-8090 (as of 2026-04-21).