Tackling Predatory Litigation Funding Act

S401 — Fair Access to Banking Act

Guarantees fair, impartial access to basic financial services. This bill would limit when banks, credit unions, and payment networks can refuse to serve a person who is acting lawfully by requiring denials to rest on documented, quantitative, risk-based standards and by creating penalties and a private lawsuit tool for violations. - Large banks would face limits on Federal Reserve discount window access and Automated Clearing House network use if they refuse to serve lawful customers without objective, pre-established risk reasons. Covered banks are presumed to be those with more than $10.0 billion in assets. - Payment card networks and credit unions would be barred from blocking access based on political or reputational risk. Card networks face civil penalties up to 10% of the value of affected services or $10,000 per violation. - Individuals and businesses denied services in violation of the bill would get a private right of action in federal court. Successful plaintiffs could recover attorney fees, costs, and treble damages.

S186 — No Taxpayer Funding for Abortion and Abortion Insurance Full Disclosure Act of 2025

Blocks federal funding for abortions and for health plans that cover abortion. The bill would permanently ban the use of federal funds for abortions or for any health plan paid for in whole or in part with federal money and would bar abortions in federal facilities or by federal employees. - Families and marketplace enrollees would not be able to use premium tax credits or cost‑sharing reductions to buy plans that include abortion. They could purchase a separate abortion-only plan but would receive no federal subsidy for that coverage. - People who receive care in federal facilities and anyone served by federal employees would not get abortions paid for with federal funds. The bill extends funding restrictions to federal trust funds and the District of Columbia. Exceptions are preserved for rape, incest, and life‑threatening conditions. - Employers and insurers would face new rules. Plans that include abortion would be excluded from the small employer health insurance credit. Qualified health plans and marketplace materials would have to prominently disclose whether they cover abortion and any separate surcharge for that coverage.

S1404 — Combating Organized Retail Crime Act

Creates a federal coordination center to fight organized retail and supply chain crime. The bill would also widen federal theft and money‑laundering laws so prosecutors can target organized groups that steal, traffic, or resell goods across state or international lines. - Retailers and supply chains would get a single federal hub for information sharing, training, and technical assistance. The Center would be set up within 90 days and must publish annual trend reports. - Federal, state, and local law enforcement would gain a centralized office inside the Department of Homeland Security with a Director and a Deputy who rotates every 2 years among the FBI, Secret Service, or Postal Inspection Service. The Center would allow detailees from multiple agencies and would terminate after 7 years. - People committing organized retail crime would face broader federal exposure because the bill expands theft and shipment offenses to cover interstate or foreign commerce, adds an aggregate $5,000 threshold over a 12 month period, and brings money orders, prepaid cards, and gift cards into money‑laundering rules.

S1206 — Judicial Relief Clarification Act of 2025

Limits federal courts from ordering relief for non-parties and narrows administrative review. It bars courts from issuing orders that restrain enforcement against or compel action for someone who is not a party unless that person is represented by a party acting in a representative role under the Federal Rules of Civil Procedure. - Non-parties and third parties: Courts may not grant relief that benefits or binds a non-party unless a party represents them in a representative capacity. - Federal and state officials and agencies: Judges can issue temporary restraining orders to restrain enforcement of or compel action with respect to statutes, regulations, orders, executive actions, or similar authority by the United States or any state, its agencies, or officers acting in an official capacity. - Challenges to agency action: Judicial review under the Administrative Procedure Act is limited to a "person" before the court, and the bill removes language that allowed courts to "set aside" agency actions.

S128 — SAVE Act

Requires documentary proof of U.S. citizenship for federal voter registration. This bill would bar states from processing any application for a federal election unless the applicant presents specified citizenship documents and would add verification, information-sharing, removal, and enforcement rules to the voter registration system. - Prospective voters: People applying to register for a federal election would need to present specified documentary proof of U.S. citizenship when they apply, whether by mail, online, in person, or at the polling place. States must provide an alternate uniform affidavit under penalty of perjury for applicants who cannot produce documents. - State agencies and driver license offices: States would be required to verify citizenship during driver’s license issuance or renewal and to link those checks to voter registration records. The bill would require states to create programs to identify and remove noncitizens and sets implementation timing, including a 30-day program deadline and a 60-day early-adoption window. - Election officials, enforcement, and naturalization: The bill would expand criminal penalties and create a private right of action against officials who register applicants without required proof. It also directs the Department of Homeland Security to notify state election officials of naturalizations and preserves the ability to cast provisional ballots while citizenship is verified.

S65 — Constitutional Concealed Carry Reciprocity Act of 2025

Creates nationwide concealed-carry reciprocity for qualified permit holders. The bill would let people who are federally eligible to possess firearms and who carry a photo ID plus a valid state concealed-carry permit, or who are eligible to carry in their home State, carry a concealed handgun in other States that allow resident permits or do not prohibit resident concealed carry. - Nonresidents who meet federal eligibility and permit rules would be subject to the same conditions and limits that apply to resident permit holders in the destination State. This means where and how they may carry will follow the destination State's rules. - Preserves State control over who gets a concealed-carry permit while requiring that, in States that allow restricted permits, a nonresident carrying under this law be treated under the same terms as an unrestricted resident permit. - Federal prohibitions still bar certain people from carrying, and the reciprocity excludes machineguns and destructive devices. - The changes would take effect 90 days after enactment.