# 119-hr-8836: Know Your American Customer Act

119-hr-8836, Know Your American Customer Act, is a 119th Congress bill sponsored by Rep. Self, Keith [R-TX-3] (R-TX); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-8836
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-8836
- Congress: 119
- Title: Know Your American Customer Act
- Status: introduced
- Introduced: 2026-05-14
- Sponsor: Rep. Self, Keith [R-TX-3] (R-TX)
- Cosponsors: 0
- Policy area: Immigration
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Verify citizenship or lawful presence for bank accounts.** This bill would require insured depository institutions and insured credit unions to confirm that individuals opening or maintaining accounts are U.S. citizens or lawfully present and to follow specific document checks and account controls.

## Provisions PRIA read

- ID proof to open personal accounts: cost, high. If enacted, beginning 90 days after enactment a covered person would have to show one listed document to open a personal deposit account. The listed documents include REAL ID state IDs, U.S. passports, birth certificates, naturalization or citizenship certificates, green cards, valid foreign passpo…
- Criminal penalties for account use: cost, high. If enacted, a non-lawfully present person or someone with a removal order who opens or maintains an active account at a covered institution would face criminal penalties. Penalties could include fines up to $1,000,000, imprisonment up to 1 year, or both. The bill would not apply criminal penalties…
- Rules for temporary lawful-stay accounts: mixed, high. If enacted, people with a temporary period of authorized stay would have to file a Treasury form showing the stay’s end date and basis when opening an account. When that authorized stay ends the person would get 30 days of full access. If they do not show updated lawful-presence documents, the next…
- Federal rules, preemption, and bank safe harbors: mixed, medium. If enacted, the Treasury Secretary (through FinCEN) would enforce the verification rule and must issue interim guidance within 30 days and final regulations within 90 days. The interim guidance would act like a rule and would not be subject to the Paperwork Reduction Act while in effect. The federa…

## Related bills

- 119-hr-137: TCJA Permanency Act
- 119-hr-9200: Secure the Border Act of 2026
- 119-hr-5247: To provide for the International Security Affairs authorities of the Department of State.
- 119-hr-9199: Permanent Trump Secure Border Act
- 119-hr-624: RIFLE Act of 2025
- 119-hr-6764: Veterans Affairs Advisory Committee Oversight Act of 2025

## Sources
- [119-hr-8836 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/8836)

## Related
- [119-hr-137: TCJA Permanency Act](https://policyrisk.com/legislation/119-hr-137)
- [119-hr-9200: Secure the Border Act of 2026](https://policyrisk.com/legislation/119-hr-9200)
- [119-hr-5247: To provide for the International Security Affairs authorities of the Department…](https://policyrisk.com/legislation/119-hr-5247)
- [119-hr-9199: Permanent Trump Secure Border Act](https://policyrisk.com/legislation/119-hr-9199)
- [119-hr-624: RIFLE Act of 2025](https://policyrisk.com/legislation/119-hr-624)
- [119-hr-6764: Veterans Affairs Advisory Committee Oversight Act of 2025](https://policyrisk.com/legislation/119-hr-6764)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-8836 (as of 2026-09-21).