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The Proposed Legislation for Constitutional Quality Control Board (CQCB)

Restoring Constitutional Fidelity in the Legislative Process

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Executive Summary

The Constitutional Quality Control Board (CQCB) is a proposed internal advisory mechanism within Congress designed to ensure that all federal legislation aligns with the U.S. Constitution before final passage.

Operating under Congress’s constitutional authority to determine its own rules (Article I, Section 5), the CQCB would function as a nonpartisan, independent, advisory body conducting mandatory constitutional reviews for every bill considered by Congress.

The CQCB does not alter the separation of powers or create a new branch of government. Instead, it strengthens the legislative process by introducing constitutional quality assurance, reducing judicial disputes, and enhancing public trust in the rule of law.

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Purpose

The CQCB exists to:

• Review all proposed federal legislation for constitutional clarity and compliance prior to final passage;

• Provide Congress and the public with transparent, expert analysis on constitutional implications;

• Offer nonbinding recommendations on existing laws and regulations to promote long-term adherence to constitutional principles;

• Rebuild public trust in legislative integrity by ensuring that every law stands firmly on the foundation of the U.S. Constitution.

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Rationale

1. Constitutionality Is Foundational

Every federal law must be rooted in constitutional authority. When legislation exceeds those boundaries, it threatens the legitimacy of governance itself.

2. Ambiguity Breeds Erosion

Vague or poorly constructed laws invite inconsistent interpretation, leading to judicial activism and executive overreach that erode the separation of powers.

3. Quality Control Strengthens Democracy

In every field—engineering, medicine, manufacturing—quality control protects outcomes. The CQCB applies that same principle to lawmaking, ensuring the durability and fidelity of federal legislation.

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Structure of the Board

Name: Constitutional Quality Control Board (CQCB)

Composition:

• One constitutional law expert from each U.S. state, nominated by a bipartisan panel of state-level legal scholars.

• Each member must have at least fifteen (15) years of experience in constitutional law, judicial service, or legal academia.

• Members serve staggered six-year terms to ensure both continuity and nonpartisanship.

Independence:

• The CQCB operates within the legislative branch under Congress’s Article I, Section 5 authority to set its own rules.

• It remains nonpartisan and insulated from political influence, funded through a dedicated congressional appropriation or protected trust.

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Authority and Function

1. Pre-Enactment Review (Mandatory Within Congressional Procedure)

• The CQCB conducts a constitutional review of all proposed federal legislation before final passage.

• Under internal House and Senate rules, no bill proceeds to final vote without a CQCB report.

• The CQCB issues findings in three categories:

1. Constitutionally Sound – Fully consistent with constitutional principles.

2. Conditionally Sound – Consistent if amended as recommended.

3. Potentially Unconstitutional – Raises substantial constitutional concerns requiring revision before passage.

• CQCB findings are advisory and nonbinding, preserving full legislative authority while ensuring every proposal receives constitutional scrutiny before enactment.

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2. Post-Enactment Review (Advisory Function)

• The CQCB may, at the request of Congress or on its own initiative, review existing laws, executive orders, or regulatory policies for constitutional clarity.

• These reviews result in publicly available advisory reports recommending clarifications, reforms, or corrective measures where constitutional concerns arise.

• This function supports legislative oversight without infringing upon the judiciary’s power to interpret law.

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3. Transparency and Public Accountability

• All CQCB analyses and recommendations are published in full, including legal reasoning, precedential citations, and explanatory commentary.

• This transparency fosters civic education, promotes accountability, and strengthens citizens’ understanding of constitutional governance.

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Impact

• Improves legislative precision by incorporating constitutional review into the drafting process.

• Reduces judicial burden by minimizing the passage of constitutionally questionable laws.

• Protects individual rights through proactive prevention of unconstitutional legislation.

• Builds public confidence in a Congress that demonstrates discipline and respect for the Constitution.

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Legal Foundation

The CQCB derives its authority from Congress’s Article I, Section 5 power to determine its own rules of proceedings.

By adopting internal procedural rules requiring CQCB review prior to final passage, Congress enhances the quality and constitutionality of its legislative output without altering the constitutional separation of powers or the judiciary’s interpretive role.

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Conclusion

The American Republic endures because of its commitment to the Constitution—the nation’s fixed compass in an ever-changing world.

Yet modern legislative processes often move faster than constitutional reflection, inviting errors that erode the rule of law and public trust.

The Constitutional Quality Control Board (CQCB) restores that reflection.

It is not a new branch of government but a new standard of responsibility within Congress itself—an institutional promise that every law will honor the supreme law of the land.

By embedding constitutional quality control directly into the legislative process, Congress reaffirms that liberty and law remain inseparable, and that the Constitution is not merely a reference—it is the foundation of every act of government.

The Transparent Healthcare and HSA Reform Act

Executive Summary

The Transparent Healthcare and HSA Reform Act seeks to replace the Affordable Care Act (ACA) with a streamlined, consumer-driven system that promotes price transparency, expands the use of Health Savings Accounts (HSAs), and restores competition in the healthcare marketplace. The proposal focuses on reducing costs by empowering individuals and families to manage their own healthcare spending, fostering a direct relationship between patients and providers, and ensuring that healthcare prices are open and competitive.

This reform centers on three pillars:

1. Transparency – Every provider must post a full, cash-pay price for all services.

2. Empowerment – Every American can use an expanded HSA to pay providers directly at the time of service.

3. Competition – Insurers, providers, and consumers operate in a real market, driving down costs and increasing quality.

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Policy Goals and Rationale

• Lower Costs: By making prices public and paying providers directly, consumers can compare costs as they do for other services. Evidence from cash-based medical practices shows that upfront payment can reduce prices by 30–60% for shoppable services.

• Reduce Bureaucracy: Eliminate the complex insurance billing system that currently inflates administrative costs and premiums.

• Increase Personal Ownership: Allow funds in HSAs to accumulate year over year, giving families long-term security and incentives to make healthy choices.

• Strengthen State Flexibility: Shift ACA subsidies into portable, state-managed HSA contributions and allow states to innovate within transparent, market-based rules.

• Preserve Catastrophic Protection: Maintain insurance for major or unexpected medical events while lowering premiums for average families.

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Title I – Price Transparency and Market Disclosure

Section 101. Provider Price Posting Requirement

All licensed healthcare providers and facilities must publicly post a single, full “pay-in-full” price for each service or bundle of services they offer.

• Prices must be displayed in plain language and available online.

• The Secretary of Health and Human Services (HHS) will establish a national compliance portal to verify postings.

• Non-compliance may result in civil penalties or loss of eligibility for HSA payments.

Section 102. Standardized Disclosure Format

HHS shall develop a standardized template for healthcare price listings to ensure consumers can easily compare costs between providers.

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Title II – Expansion and Modernization of Health Savings Accounts

Section 201. Universal HSA Access

All citizens and lawful residents may open an HSA, regardless of income or existing insurance type. Current IRS restrictions limiting HSAs to high-deductible health plans will be lifted.

Section 202. Employer and Individual Contributions

Employers may deposit funds into employees’ HSAs as a substitute for traditional insurance premium contributions. Individuals may make tax-deductible contributions up to an annual limit indexed to medical inflation.

Section 203. HSA Payments to Registered Providers

Financial institutions managing HSAs may disburse funds only to registered healthcare providers listed in the HHS Provider Registry. The registry ensures all payments are traceable, reducing fraud and abuse.

Section 204. Rollover and Wealth Accumulation

Unused HSA balances roll over annually and accrue interest tax-free. This allows families to build long-term savings for future medical expenses.

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Title III – State Flexibility and ACA Replacement Structure

Section 301. Conversion of ACA Subsidies to State Health Accounts

All federal ACA premium subsidies and cost-sharing payments will be converted into state block grants. Each state will deposit those funds into HSAs for eligible low- and middle-income individuals and families.

Section 302. State HSA Minimum Standards

States must ensure that every eligible individual receives an annual minimum HSA deposit sufficient to cover average annual primary and preventive care needs.

Section 303. Catastrophic Reinsurance Fund

A federal backstop fund will reimburse states for extraordinary claims that exceed defined thresholds, protecting against rare, high-cost medical events while preserving state flexibility.

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Title IV – Catastrophic and Supplemental Insurance Market

Section 401. Catastrophic Coverage Options

Insurers may offer simplified catastrophic policies that cover medical expenses exceeding a defined annual threshold. These plans will be exempt from many ACA-era benefit mandates to lower costs.

Section 402. Transparent Premium Disclosure

Insurers must disclose average premiums, administrative costs, and profit margins annually to promote informed consumer choice.

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Title V – Oversight, Fraud Prevention, and Compliance

Section 501. Registered Provider Network

All providers seeking HSA payment must register with HHS, undergo identity verification, and maintain active licensure.

Section 502. Transaction Monitoring

Financial institutions will report anonymized data on HSA transactions to detect patterns of waste, fraud, or abuse.

Section 503. Civil and Criminal Penalties

Significant penalties apply for fraudulent billing or misrepresentation of prices, mirroring standards used in the Supplemental Nutrition Assistance Program (SNAP).

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Title VI – Fiscal and Economic Impact

Preliminary modeling indicates that:

• Cash-based pricing and reduced administrative layers could lower average medical service costs by 25–40% for shoppable care.

• Allowing employers to fund HSAs in lieu of expensive insurance premiums could save businesses an estimated 20–30% annually on healthcare spending.

• Shifting ACA subsidies to direct HSA deposits would maintain federal budget neutrality while increasing personal ownership of healthcare funds.

HHS and Treasury will jointly issue a fiscal report annually to Congress tracking aggregate savings and consumer outcomes.

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Title VII – Implementation Timeline

• Year 1: Establish HSA eligibility expansion, provider registry, and federal–state block grant agreements.

• Year 2: Full provider price posting and launch of state HSA programs.

• Year 3: Transition of ACA exchanges and subsidies into state-managed HSA systems; launch of catastrophic insurance market.

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Safeguards and Guardrails

1. Continuity of Coverage: Individuals currently insured under ACA exchanges will maintain coverage during a 24-month transition period.

2. Low-Income Protections: States must guarantee that HSA funding covers essential preventive and primary care for qualifying households.

3. Federal Audit Authority: GAO and HHS OIG will oversee program integrity and report annually to Congress.

4. Consumer Education: Treasury and HHS will jointly develop outreach programs to teach Americans how to manage HSAs and compare prices effectively.

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Conclusion

The Transparent Healthcare and HSA Reform Act offers a direct, market-based replacement for Obamacare—restoring transparency, empowering patients, and reducing costs for families, employers, and taxpayers. It modernizes healthcare by putting financial control back in the hands of the American people while maintaining safeguards for those who need assistance.

The Constitutional Violence Prevention & Due Process Act of 2026

(CVPDP Act)

Subtitle:

A behavioral-risk intervention framework that protects public safety while preserving the full scope of the Second Amendment.

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SECTION 1. FINDINGS & PURPOSE

Congress finds the following:

1. The Second Amendment to the United States Constitution protects an individual right to keep and bear arms.

2. Supreme Court precedent (including District of Columbia v. Heller and New York State Rifle & Pistol Association v. Bruen) affirms that this right is fundamental and not subject to blanket prohibitions on commonly owned firearms.

3. The overwhelming majority of gun violence is committed by individuals with documented histories of criminal conduct, credible threats, or behavioral warning signs.

4. In many cases of mass violence, institutions had prior knowledge of credible threats but failed to act.

5. Public safety can be meaningfully improved by focusing on dangerous behavior, due process, and institutional accountability, rather than restricting constitutional rights.

Purpose of this Act:

• To reduce violent crime and mass casualty events

• To preserve and strengthen constitutional protections

• To establish a uniform, due-process-based intervention framework

• To hold institutions accountable for failure to act on credible threats

• To encourage responsible firearm ownership without coercion

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SECTION 2. DEFINITIONS

• Credible Threat of Violence:

A specific, articulable threat supported by objective evidence indicating a reasonable likelihood of imminent violent action.

• Due Process Protection Order (DPPO):

A temporary, court-issued order issued only after judicial review, evidentiary findings, and notice.

• Petitioner:

Law enforcement agencies or licensed mental health professionals only.

(Private citizens may submit evidence but may not directly petition the court.)

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SECTION 3. DUE-PROCESS-BASED THREAT INTERVENTION

(a) Judicial Standards

A DPPO may be issued only if a judge finds, by clear and convincing evidence, that:

1. The respondent poses an imminent and specific risk of violent harm, and

2. No less restrictive intervention is sufficient.

(b) Procedural Protections

Any respondent subject to a DPPO shall have:

• Notice within 24 hours

• The right to legal counsel

• A full evidentiary hearing within 7 days

• The right to confront evidence and witnesses

• Automatic expiration of the:

• 14 days unless renewed after hearing

• Immediate restoration of rights upon expiration or dismissal

(c) Limitations

• No firearm registry may be created

• No permanent deprivation of rights without criminal conviction

• No seizure without judicial authorization

• No ex parte orders exceeding 72 hours

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SECTION 4. INSTITUTIONAL ACCOUNTABILITY & MANDATORY ESCALATION

(a) Covered Institutions

• Public schools and universities

• Federal agencies

• Federally funded healthcare facilities

• Government contractors

(b) Requirements

Covered institutions must:

1. Maintain documented threat-reporting protocols

2. Escalate credible threats to appropriate authorities

3. Preserve records for audit and review

4. Provide whistleblower protections

(c) Penalties for Non-Compliance

• Civil liability for willful failure to act

• Loss of federal funding for repeated violations

• Mandatory corrective action plans

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SECTION 5. CRIMINAL MISUSE ENHANCEMENT

This Act does not create new firearm crimes.

Instead, it mandates:

1. Enhanced sentencing for violent crimes committed with firearms

2. No plea reductions for armed violent offenses

3. Priority prosecution for straw purchasing and trafficking

4. Interstate task forces to enforce existing federal law

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SECTION 6. VOLUNTARY FIREARM SAFETY INCENTIVES

Nothing in this Act mandates training or storage.

The Act authorizes:

• Tax credits for certified firearms safety training

• Grants for voluntary community training programs

• Free distribution of firearm safety devices

• Insurance incentives offered voluntarily by private insurers

Participation is optional and shall not be a condition of ownership.

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SECTION 7. FALSE CLAIMS & ABUSE PREVENTION

To prevent misuse of the system:

• Knowingly false petitions shall be punishable by fines and imprisonment

• Malicious claims constitute civil rights violations

• Courts shall expunge all records upon dismissal

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SECTION 8. CONSTITUTIONAL SAFEGUARDS

Nothing in this Act shall be construed to:

• Infringe upon the Second Amendment

• Create firearm registries

• Authorize confiscation without due process

• Expand executive emergency powers

• Override state constitutional protections

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SECTION 9. SEVERABILITY

If any provision of this Act is held invalid, the remainder shall remain in force.

SIMPLE MESSAGE FOR THE PUBLIC

“We don’t control guns.

We stop violence — constitutionally.”

Proposed 12/13/25

The American Lawful Immigration & Border Integrity Act (ALIBIA)

“A Constitutional, Enforceable, and Humane Immigration Reform Framework”

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PREAMBLE & FINDINGS

Congress finds that:

1. The United States immigration system is functionally broken, internally inconsistent, and routinely produces outcomes that are unjust, economically irrational, and legally unsustainable.

2. Millions of individuals have lived peacefully in the United States for 10–30 years, paid taxes (often indirectly), raised American children, and contributed to local economies, yet remain in perpetual legal limbo.

3. Current law frequently punishes compliance while rewarding opacity, driving otherwise law-abiding individuals into underground economies.

4. A nation governed by laws must enforce borders and provide a clear, lawful, constitutional process for long-term integration.

5. Congress has clear authority under Article I, Section 8 of the Constitution to establish a uniform rule of naturalization.

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TITLE I — DEFINITIONS & CLASSIFICATIONS

Section 101. Lawful Provisional Resident (LPR-P)

A new federal legal status is created: Lawful Provisional Resident (LPR-P).

An LPR-P is:

• Not a citizen

• Not eligible for federal welfare benefits

• Not removable absent criminal conduct

• Fully documented, taxed, and monitored

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TITLE II — ELIGIBILITY FOR PROVISIONAL LEGAL STATUS

Section 201. Eligibility Criteria

An individual may apply for LPR-P status if they:

1. Have resided continuously in the U.S. for 5+ years (or 3+ years if arrived as a minor)

2. Have no felony convictions and no violent misdemeanor convictions

3. Register with DHS and submit to:

• Biometric identification

• Background checks (domestic & international)

4. Agree to:

• Pay all applicable federal, state, and local taxes going forward

• Maintain continuous employment or education

• Comply with all U.S. laws

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TITLE III — RESTRICTIONS DURING PROVISIONAL STATUS

Section 301. Guardrails to Preserve Rule of Law

While in LPR-P status, individuals:

• ❌ May not vote

• ❌ May not collect federal welfare or unemployment

• ❌ May not sponsor relatives

• ❌ May not leave the U.S. without advance parole

• ✅ May legally work

• ✅ May obtain a Social Security number

• ✅ May obtain a driver’s license

• ✅ May open bank accounts and build credit

This removes the shadow economy while preserving sovereignty.

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TITLE IV — PATHWAY TO LAWFUL PERMANENT RESIDENCY

Section 401. Earned Adjustment Process

After 8 continuous years in LPR-P status, an applicant may apply for Lawful Permanent Resident (Green Card) if they:

1. Have no felony convictions during provisional period

2. Have maintained employment, education, or caregiving responsibilities

3. Have paid all taxes in full

4. Pass:

• Civics exam

• English proficiency exam (age-adjusted)

• Constitutional literacy exam

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TITLE V — PATHWAY TO CITIZENSHIP

Section 501. Naturalization Eligibility

After 5 years as a Lawful Permanent Resident, individuals may apply for U.S. citizenship under existing naturalization law.

Total timeline:

➡️ 13 years minimum from provisional status to citizenship

This is earned, not automatic.

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TITLE VI — BORDER & SYSTEM ENFORCEMENT (CRITICAL)

Section 601. Border Integrity Mandates

• Mandatory completion of physical and technological border security

• Universal E-Verify for all employers nationwide

• Criminal penalties for repeat employer violations

• Expedited asylum adjudication (180-day maximum)

No future amnesty without enforcement. Period.

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TITLE VII — ASYLUM SYSTEM REFORM

Section 701. Asylum Integrity Reform

• Loss of documents alone does not constitute asylum

• Asylum claims must demonstrate:

• Credible fear of persecution

• Individualized threat

• Immediate work authorization only after credible-fear determination

• Fraudulent asylum claims result in permanent bars

This protects legitimate refugees while ending abuse.

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TITLE VIII — CONSTITUTIONAL & LEGAL SAFEGUARDS

Section 801. Constitutional Compliance Clause

This Act:

• Operates exclusively under Article I, Section 8

• Does not alter voting rights, apportionment, or constitutional citizenship

• Preserves state sovereignty in law enforcement

• Is severable to withstand judicial review

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WHY THIS WORKS (POLITICALLY & LEGALLY)

✔ Ends the permanent underclass

✔ Removes millions from the shadow economy

✔ Preserves border enforcement

✔ Protects taxpayers

✔ Respects constitutional limits

✔ Survives Supreme Court scrutiny

✔ Neutralizes both extreme narratives

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SHORT SUMMARY (FOR MEDIA / TALKING POINTS)

“This bill enforces the border, ends chaos, restores the rule of law, and provides a tough but fair path for long-term residents who have already built their lives here—without rewarding lawlessness or creating future amnesty.”

Student Success and Responsible Federal Aid Act

(SSRF Act)

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SECTION 1. SHORT TITLE.

This Act may be cited as the “Student Success and Responsible Federal Aid Act.”

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SECTION 2. FINDINGS AND PURPOSE.

(a) Findings. Congress finds the following:

1. Federal student loan and grant programs have contributed to significant increases in tuition costs, student debt burdens, and misalignment between educational pathways and labor market outcomes.

2. Existing standardized admissions and placement mechanisms, including reliance on single-score examinations, provide incomplete indicators of student readiness, aptitude, or likelihood of successful program completion.

3. The Federal Government has a compelling interest, under the Spending Clause of the Constitution, to ensure that taxpayer-funded student aid is allocated in a manner that promotes completion, workforce readiness, economic productivity, and fiscal responsibility.

4. Advances in assessment science, competency-based evaluation, and data-supported decision tools can assist—when properly constrained—in identifying student readiness and appropriate educational pathways, provided such tools are transparent, non-discriminatory, and subject to human oversight.

5. Any system conditioning access to Federal educational assistance must preserve due process, equal protection, transparency, privacy, and meaningful avenues for appeal and correction.

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(b) Purpose.

The purposes of this Act are to:

1. Modernize Federal student aid eligibility through a merit- and readiness-based framework that supplements, but does not mandate, traditional admissions criteria;

2. Align Federal student aid with demonstrated student readiness, likelihood of completion, and responsible use of public funds;

3. Provide structured alternative and bridge pathways for students requiring preparatory education or skills development;

4. Protect student choice, civil rights, privacy, and due process;

5. Encourage institutional accountability and cost discipline in programs receiving Federal funds.

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SECTION 3. DEFINITIONS.

For purposes of this Act:

1. Secretary means the Secretary of Education.

2. Federal Student Aid means any grant, loan, or loan guarantee provided under Title IV of the Higher Education Act of 1965.

3. Student Readiness and Pathways Assessment (SRPA) means a federally authorized, standardized assessment framework designed to evaluate academic readiness, foundational competencies, and pathway alignment.

4. Evidence-of-Success Score (ESS) means a composite readiness indicator derived from multiple permissible data sources defined under this Act.

5. Decision-Support Technology means computational or artificial intelligence tools used to assist, but not replace, human determinations.

6. Bridge Funding means restricted-use Federal financial assistance designated for preparatory education, remediation, certification, community college coursework, or apprenticeship pathways.

7. Adverse Determination means any reduction, limitation, or denial of Federal student aid eligibility under this Act.

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SECTION 4. ESTABLISHMENT OF THE STUDENT READINESS AND PATHWAYS ASSESSMENT.

(a) Establishment.

The Secretary shall establish the Student Readiness and Pathways Assessment (SRPA) as an optional, nationally standardized assessment framework for purposes of Federal student aid eligibility determination.

(b) Permissible Assessment Components.

The SRPA may include:

1. Academic competency measures in literacy, numeracy, and reasoning;

2. Foundational skills assessments, including writing, analytical reasoning, and problem solving;

3. Student-declared interests and educational objectives;

4. Verified academic records or competency-based equivalents;

5. Portfolio or project-based demonstrations where applicable;

6. Optional domain-specific modules aligned with fields of study.

(c) Prohibited Uses.

The SRPA shall not include:

1. Protected class characteristics or proxies thereof;

2. Behavioral surveillance data;

3. Non-consensual third-party data.

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SECTION 5. EVIDENCE-OF-SUCCESS SCORE FRAMEWORK.

(a) Establishment.

The Secretary shall establish an Evidence-of-Success Score (ESS) to inform Federal student aid tiering.

(b) Permissible Inputs.

The ESS may consider:

1. SRPA results;

2. Verified academic performance;

3. Competency certifications or examinations;

4. Documented work or training experience;

5. Program-level completion and repayment outcome data.

(c) Decision-Support Limitation.

Any computational or artificial intelligence system used in calculating the ESS shall function solely as decision-support and shall not render final eligibility determinations.

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SECTION 6. FEDERAL STUDENT AID TIERING.

(a) Aid Tiers.

Federal student aid eligibility may be structured into readiness-based tiers, including:

1. Tier I (High Readiness): Eligibility for up to 100 percent of standard Federal aid limits;

2. Tier II (Moderate Readiness): Eligibility for up to 70 percent of standard Federal aid limits;

3. Tier III (Developing Readiness): Eligibility for up to 40 percent of standard Federal aid limits, plus Bridge Funding eligibility;

4. Tier IV (Undetermined): Provisional eligibility pending human review.

(b) No Program Prohibition.

Nothing in this Act shall prohibit a student from enrolling in any lawful field of study; this section governs only the allocation of Federal financial assistance.

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SECTION 7. BRIDGE FUNDING AND ALTERNATIVE PATHWAYS.

(a) Establishment.

The Secretary shall establish Bridge Funding mechanisms for students requiring preparatory education prior to full program entry.

(b) Permitted Uses.

Bridge Funding may be used for:

1. Community college coursework;

2. Remedial or prerequisite education;

3. Industry-recognized certifications;

4. Apprenticeships or workforce training programs.

(c) Milestone-Based Advancement.

Students may advance to higher aid tiers upon completion of defined academic or competency milestones.

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SECTION 8. DUE PROCESS AND APPEALS.

(a) Notice.

Students shall receive written notice of any Adverse Determination, including an explanation of factors relied upon.

(b) Access to Records.

Students shall have access to all data used in their ESS, subject to applicable privacy laws.

(c) Appeal Rights.

Each student shall be entitled to:

1. A timely appeal;

2. Human-led review;

3. Submission of alternative evidence;

4. Conditional or provisional determinations.

(d) Timelines.

The Secretary shall establish clear timelines for resolution of appeals.

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SECTION 9. CIVIL RIGHTS, FAIRNESS, AND AUDIT REQUIREMENTS.

1. Annual disparate impact testing shall be conducted;

2. Independent third-party audits shall assess fairness and accuracy;

3. Corrective action shall be required where disparities are identified;

4. Explainability requirements shall apply to all decision-support outputs.

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SECTION 10. PRIVACY AND DATA PROTECTION.

1. All data use shall comply with FERPA, the Privacy Act, and applicable federal law;

2. Data minimization and retention limits shall be enforced;

3. No data shall be sold or used for non-educational purposes.

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SECTION 11. INSTITUTIONAL ACCOUNTABILITY AND RISK SHARING.

Institutions receiving Federal student aid shall meet minimum thresholds for:

1. Completion rates;

2. Cost transparency;

3. Verified outcome reporting;

4. Responsible tuition growth.

Failure to meet standards may result in probation, loss of eligibility, or financial risk sharing.

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SECTION 12. PILOT PROGRAMS AND PHASED IMPLEMENTATION.

The Secretary may implement pilot programs and phased rollouts to ensure accuracy, fairness, and administrative readiness.

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SECTION 13. REPORTS TO CONGRESS.

The Secretary shall submit annual reports detailing outcomes, cost impacts, appeals statistics, and recommended improvements.

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SECTION 14. SEVERABILITY.

If any provision of this Act is held invalid, the remainder shall not be affected.

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SECTION 15. EFFECTIVE DATE.

This Act shall take effect beginning with the second academic year following enactment.

A BILL

To replace the Federal income tax system with a uniform national consumption tax, to establish a tiered transaction-based surcharge system applicable to high net-worth taxpayers, and to simplify Federal tax administration.

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Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

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SECTION 1. SHORT TITLE.

This Act may be cited as the “Fair Consumption and Simplified Taxation Act.”

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SECTION 2. FINDINGS.

Congress finds the following:

(1) The Federal income tax system is overly complex, costly to administer, and burdensome to taxpayers.

(2) Compliance and enforcement costs consume substantial public and private resources that could otherwise be directed toward productive economic activity.

(3) A uniform national consumption tax is transparent, efficient, and consistent with constitutional principles governing Federal taxation.

(4) Progressive taxation may be achieved through transaction-based mechanisms without imposing direct taxes on property or wealth.

(5) Simplifying Federal taxation permits significant reductions in administrative overhead and Federal enforcement expenditures.

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SECTION 3. NATIONAL CONSUMPTION TAX.

(a) IN GENERAL.—There is imposed a national tax on taxable retail consumption within the United States at a rate of 15 percent.

(b) UNIFORMITY.—The tax imposed under this section shall be applied uniformly throughout the United States.

(c) TAXABLE TRANSACTIONS.—The tax shall apply only to final retail consumption and shall not apply to intermediate business transactions, exports, or such other transactions as the Secretary of the Treasury determines consistent with this Act.

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SECTION 4. TIERED TRANSACTION SURCHARGES.

(a) ESTABLISHMENT.—The Secretary of the Treasury shall establish a voluntary certification system under which taxpayers may elect a tier classification based on verified net-worth thresholds.

(b) SURCHARGE AUTHORITY.—Taxpayers electing certification under this section shall be subject to additional transaction-based surcharges on taxable retail consumption.

(c) TIER THRESHOLDS.—The lowest surcharge tier shall apply to taxpayers with net worth of not less than $100,000,000, with additional tiers corresponding to each additional order of magnitude in net worth.

(d) RATE INCREMENTS.—Each successive tier shall increase the applicable tax rate by 5 percentage points above the base rate established under section 3.

(e) RATE LIMITATION.—In no event shall the combined national consumption tax and surcharge exceed 35 percent.

(f) TRANSACTION-BASED LIMITATION.—No surcharge imposed under this section shall be construed as a direct tax on property or wealth and shall apply solely to taxable consumption transactions.

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SECTION 5. CERTIFICATION AND COMPLIANCE.

(a) VERIFICATION.—Certification elections under this Act shall be verified annually in accordance with regulations prescribed by the Secretary.

(b) VOLUNTARY PARTICIPATION.—No taxpayer shall be required to elect certification or disclose net worth except as necessary to obtain a certification tier.

(c) SAFE HARBOR.—A taxpayer acting in good-faith reliance on an approved certification shall be deemed in compliance absent fraud or willful misrepresentation.

(d) NO RETROACTIVITY.—No tax or surcharge imposed under this Act shall apply to transactions occurring prior to certification.

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SECTION 6. REPEAL OF CERTAIN TAXES.

Effective on the date specified in section 10, the following are repealed:

(1) Federal taxes on individual income.

(2) Federal taxes on corporate income.

(3) Payroll taxes imposed under the Federal Insurance Contributions Act.

(4) Taxes on capital gains.

(5) Federal estate and gift taxes.

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SECTION 7. ADMINISTRATIVE SIMPLIFICATION.

(a) REALIGNMENT.—The Secretary of the Treasury shall reduce or eliminate administrative divisions rendered unnecessary by the enactment of this Act.

(b) REMAINING FUNCTIONS.—Federal tax administration shall be limited to transaction compliance, certification verification, and anti-fraud enforcement.

(c) REPORTS.—The Secretary shall submit annual reports to Congress describing administrative cost reductions achieved under this Act.

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SECTION 8. REGULATIONS AND ANTI-EVASION.

The Secretary of the Treasury may prescribe such regulations as are necessary to prevent evasion, artificial structuring, or abuse of the taxes imposed under this Act.

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SECTION 9. SEVERABILITY.

If any provision of this Act, or the application thereof, is held invalid, the remainder of the Act shall not be affected.

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SECTION 10. EFFECTIVE DATE.

This Act shall take effect on January 1 of the second calendar year following the date of enactment.

THE CONSTITUTIONAL AFFORDABILITY ACT

A National Framework to Lower the Cost of Living Through Transparency, Competition, and Constitutional Governance

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SECTION 1. SHORT TITLE

This Act may be cited as the “Constitutional Affordability Act.”

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SECTION 2. FINDINGS AND DECLARATION OF NATIONAL AFFORDABILITY EMERGENCY

(a) Congressional Findings

Congress finds the following:

1. American households across income levels are experiencing sustained increases in the cost of:

• Healthcare

• Housing-adjacent services

• Education and childcare

• Energy and utilities

• Transportation

• Insurance

• Tax compliance and regulatory burden

2. These cost increases are not primarily driven by shortages or wages, but by:

• Opaque pricing structures

• Artificial intermediaries and rent-seeking

• Regulatory capture and over-credentialing

• Excessive compliance complexity

• Legislative cost-blindness

3. Congress has routinely enacted laws without disclosing their real cost impact on households, small businesses, or states.

4. Affordability has become a bipartisan political priority, yet policy responses have:

• Relied on price controls, subsidies, or deficit spending, or

• Failed to address structural causes of cost inflation.

5. The Constitution grants Congress the authority — and responsibility — to regulate interstate commerce, levy taxes, and enact laws necessary and proper to promote the general welfare without violating individual rights or federalism.

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(b) Declaration of Principle

It is the sense of Congress that affordability must be achieved by restoring competition, transparency, and accountability, not by suppressing prices, expanding bureaucracy, or infringing constitutional rights.

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SECTION 3. PURPOSE AND OBJECTIVES

The purposes of this Act are to:

1. Establish affordability as a measurable legislative impact, not a political slogan.

2. Require price transparency where opacity artificially inflates costs.

3. Expose and deter non-productive rent-seeking intermediaries.

4. Reduce hidden compliance costs imposed by taxation and regulation.

5. Restore competitive markets through mobility and choice.

6. Ensure all affordability policy is:

• Constitutionally grounded

• Non-partisan in structure

• Neutral in enforcement

• Transparent to the public

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SECTION 4. DEFINITIONS

For purposes of this Act:

• “Affordability Impact” means the direct or indirect cost imposed on households, small businesses, or state governments as a result of federal law or regulation.

• “Price Transparency” means the clear, upfront disclosure of the full price of a good or service prior to purchase.

• “Intermediary” means any entity that extracts value between a producer and consumer without materially altering the underlying good or service.

• “Rent-Seeking” means the extraction of profit through regulatory advantage, opacity, or market obstruction rather than value creation.

• “Household” means an individual or family unit responsible for its own financial obligations.

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SECTION 5. NATIONAL PRICE TRANSPARENCY FRAMEWORK

(a) General Rule

Any entity engaged in interstate commerce within designated high-impact affordability sectors shall disclose binding, all-in prices prior to transaction.

(b) Covered Sectors

Covered sectors include, but are not limited to:

• Healthcare services

• Health insurance

• Higher education and vocational training

• Utilities and broadband

• Transportation and travel

• Federally regulated financial products

• Government fees and permits

(c) Prohibited Conduct

This Act prohibits:

• Post-transaction price additions

• Undisclosed fees

• Price obfuscation through bundling without disclosure

Nothing in this Act authorizes price setting or caps.

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SECTION 6. INTERMEDIARY ACCOUNTABILITY AND FAIR MARKET DISCLOSURE

(a) Disclosure Requirement

Intermediaries operating in covered sectors must disclose:

• Their role in the transaction

• Their compensation method

• Whether they bear financial risk

• Whether they provide measurable consumer value

(b) Margin Transparency Trigger

Where intermediary costs exceed a defined percentage of the total transaction, enhanced disclosure requirements shall apply.

(c) Rule of Construction

This section:

• Does not ban intermediaries

• Does not mandate profit limits

• Does not authorize nationalization

Its sole function is market transparency.

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SECTION 7. AFFORDABILITY IMPACT STATEMENTS (AIS)

(a) Requirement

Every bill or major regulation considered by Congress shall include an Affordability Impact Statement, disclosing:

1. Estimated household cost increases or decreases

2. Compliance costs imposed on small businesses

3. Costs shifted to states or local governments

4. Administrative and enforcement overhead

(b) Public Availability

All Affordability Impact Statements shall be made publicly available in plain language.

(c) Rule of Construction

Failure to demonstrate affordability improvement does not prohibit legislation — but failure to disclose costs shall prohibit consideration.

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SECTION 8. TAX AND COMPLIANCE SIMPLIFICATION PRINCIPLES

(a) Congressional Policy

It shall be the policy of the United States to:

• Reduce tax complexity as a form of affordability reform

• Minimize compliance costs unrelated to revenue collection

• Increase household liquidity through clarity and predictability

(b) Non-Rate Limitation

This Act does not set tax rates or authorize new taxation.

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SECTION 9. OCCUPATIONAL MOBILITY AND COMPETITION

(a) Findings

Congress finds that unnecessary licensing and credential barriers:

• Restrict labor supply

• Inflate consumer prices

• Limit interstate mobility

(b) Policy Direction

Federal law shall favor:

• License reciprocity

• Credential recognition

• Periodic review of federal barriers to entry

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SECTION 10. CONSTITUTIONAL GUARDRAILS

Nothing in this Act shall be construed to:

• Infringe the First Amendment

• Infringe the Second Amendment

• Deny due process under the Fifth or Fourteenth Amendments

• Violate the Tenth Amendment

• Delegate legislative authority beyond constitutional limits

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SECTION 11. FEDERALISM AND STATE FLEXIBILITY

Where feasible, this Act:

• Preserves state implementation discretion

• Avoids federal commandeering

• Allows state opt-in or opt-out mechanisms consistent with interstate commerce authority

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SECTION 12. IMPLEMENTATION AND REVIEW

(a) Phased Implementation

Implementation shall prioritize:

1. Transparency requirements

2. Disclosure mechanisms

3. Reporting standards

(b) Review

Congress shall review the effectiveness of this Act not later than five years after enactment.

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SECTION 13. SEVERABILITY

If any provision of this Act is held invalid, the remainder shall not be affected.

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SECTION 14. EFFECTIVE DATE

This Act shall take effect 180 days after enactment.

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SUMMARY FOR THE PUBLIC

The Constitutional Affordability Act lowers costs by fixing structures, not controlling prices.

• No price caps

• No rights violations

• No new entitlements

• No hidden tradeoffs

It restores honesty to markets and accountability to Congress.

The Social Media Account Integrity & Small Business Protection Act

(“Account Integrity Act”)

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SECTION 1. SHORT TITLE

This Act may be cited as the “Social Media Account Integrity & Small Business Protection Act.”

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SECTION 2. FINDINGS AND PURPOSE

(a) Findings

Congress finds the following:

1. Social media and large online platforms increasingly function as essential commercial infrastructure for small businesses, nonprofits, and individuals engaged in lawful commerce.

2. Account takeover, unauthorized access, and fraudulent advertising activity on large platforms have resulted in substantial financial harm, particularly when users are locked out of accounts and unable to halt further losses.

3. Many platforms lack a clear, timely, and documented escalation process for compromised accounts, resulting in prolonged lockouts while fraudulent activity continues.

4. Users are often required to submit escalating or inconsistent identity verification documentation after already complying with prior requests, without transparent timelines or explanations.

5. Existing federal consumer protection law prohibits unfair or deceptive acts or practices but does not provide minimum procedural standards for handling compromised accounts and fraudulent billing on large platforms.

6. Establishing baseline process, transparency, and fraud-containment requirements for large platforms is necessary to protect consumers and small businesses while preserving innovation and free expression.

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(b) Purpose

The purposes of this Act are:

1. To establish minimum due-process and fraud-containment standards for large online platforms when accounts are compromised or locked.

2. To protect small businesses and individuals from continued financial harm during account takeover or fraud investigations.

3. To ensure reasonable, transparent, and timely identity verification procedures.

4. To provide clear enforcement mechanisms without regulating lawful speech or content moderation.

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SECTION 3. DEFINITIONS

For purposes of this Act:

1. Covered Platform

The term “Covered Platform” means any online platform that:

• (A) has more than 25 million monthly active users in the United States, or

• (B) derives more than $100 million annually from advertising or commercial services directed at U.S. users.

2. User

Any individual, small business, nonprofit, or entity that maintains an account on a Covered Platform.

3. Compromised Account

An account for which a user provides a credible report of unauthorized access, account takeover, or fraudulent activity.

4. Fraudulent Advertising Activity

Advertising charges, campaign activity, or billing incurred without the authorization of the account holder.

5. Identity Verification Documentation

Government-issued identification or other documentation requested by a platform to verify account ownership.

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SECTION 4. ACCOUNT COMPROMISE RESPONSE REQUIREMENTS

(a) Standardized Intake and Tracking

Covered Platforms shall provide:

1. A clearly identifiable process for reporting compromised accounts.

2. Written confirmation or tracking number acknowledging receipt of such report.

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(b) Timelines

1. Acknowledgment of a compromise report shall occur within 48 hours.

2. Initial determination or status update shall occur within 7 business days, unless an extension is justified in writing.

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(c) Fraud Containment (“Stop-the-Bleeding” Rule)

Upon receipt of a credible compromise report:

1. Covered Platforms shall pause new advertising spend, billing authorizations, or payment method changes associated with the compromised account, pending investigation.

2. Covered Platforms shall provide a mechanism to prevent additional charges during the investigation.

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(d) Escalation Access

Covered Platforms shall provide a defined escalation channel for users whose accounts remain locked or unresolved beyond the initial review period.

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SECTION 5. FRAUDULENT BILLING AND DISPUTE STANDARDS

(a) Temporary Relief

When fraudulent advertising activity is credibly reported:

1. Covered Platforms shall suspend disputed charges pending investigation.

2. No additional charges related to the compromised account may be assessed during this period.

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(b) Billing Transparency

Covered Platforms shall provide sufficient information to allow users to dispute charges, including:

• Campaign identifiers,

• Dates and amounts,

• Associated account identifiers,

subject to reasonable data-security safeguards.

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(c) Prohibition on Continued Billing During Lockout

A Covered Platform may not continue charging a user for advertising or services while the user is locked out of the account due to security or verification issues, unless an emergency stop mechanism is provided.

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SECTION 6. IDENTITY VERIFICATION GUARDRAILS

(a) Disclosure of Requirements

Covered Platforms shall disclose up front the categories of identity verification documentation that may be required.

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(b) No Moving Goalposts

If a user submits documentation meeting the platform’s stated requirements:

1. The platform must act within the timelines established in Section 4, or

2. Provide a written explanation for any additional documentation request.

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(c) Data Minimization

Covered Platforms shall:

1. Limit collection of highly sensitive personal documents to what is strictly necessary.

2. Use secure submission methods.

3. Establish reasonable retention and deletion policies.

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SECTION 7. TRANSPARENCY REPORTING

Covered Platforms shall publish quarterly public reports disclosing, in aggregate:

1. Number of compromised account reports.

2. Average time to resolution.

3. Number of fraudulent advertising disputes.

4. Outcomes of such disputes.

No personally identifiable information shall be disclosed.

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SECTION 8. ENFORCEMENT

(a) Federal Trade Commission Authority

A violation of this Act shall constitute an unfair or deceptive act or practice under the Federal Trade Commission Act.

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(b) State Enforcement

State Attorneys General may bring civil actions to enforce this Act on behalf of residents, limited to procedural and fraud-related provisions.

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(c) Safe Harbor

A Covered Platform that demonstrates good-faith compliance with the requirements of this Act shall be eligible for mitigation of penalties related to third-party fraud.

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SECTION 9. RULE OF CONSTRUCTION

Nothing in this Act shall be construed to:

1. Regulate or compel speech.

2. Alter content moderation policies.

3. Limit lawful platform discretion unrelated to account security, billing integrity, or verification process.

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SECTION 10. EFFECTIVE DATE

This Act shall take effect 180 days after enactment.

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WHY THIS BILL IS REALISTIC

• Constitutional basis: Commerce Clause; consumer protection authority

• Avoids First Amendment traps

• Bipartisan framing: anti-fraud, small business protection, due process

• Enforceable without creating a new agency

• Built-in safe harbor to reduce industry resistance

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READY-TO-SEND STATUS

This proposal is:

• ✔ Legally sound

• ✔ Staff-readable

• ✔ Non-inflammatory

• ✔ Committee-appropriate

• ✔ Based on real-world harm

• ✔ Designed for adoption, not symbolism