Ralph Norman

Main Street Capital Access Act or the Main Street Act

This bill lessens and otherwise modifies banking regulations, including those regarding institution formation, supervision by federal financial regulators, and bank merger requirements.

Under the bill, new banks have a three-year phase-in period to meet certain capital requirements. The bill also reduces the leverage ratio for certain rural community banks.

Financial regulators must (1) tailor regulatory actions to limit burdens on financial institutions and must consider the institutions' risk profiles and business models, and (2) review their regulations more frequently and expand the scope of these reviews.

The bill eases requirements regarding bank mergers, for example, by allowing financial regulators to approve certain bank mergers without considering if the merger is noncompetitive or monopolistic.

The bill increases the dollar asset thresholds for various fees, reporting requirements, and other regulatory requirements so that more financial companies and banks are exempt from these requirements. For example, the bill increases the total asset threshold above which financial holding companies need Federal Reserve Board approval to acquire a company, thereby allowing for more acquisitions without board approval. The bill also raises certain asset thresholds so as to allow additional small bank holding companies to operate with higher debt levels and additional small banks to qualify for a longer examination cycle.

The bill also provides flexibilities regarding the use of reciprocal deposits, the resolution of failed banks, and other regulated activities.

This bill increases the annual limit on the tax credit for qualified railroad track maintenance expenses (also referred to as the short line railroad tax credit) and expands eligibility for claiming the credit.

Under current law, the tax credit is limited each tax year to $3,500 multiplied by the sum of the number of miles of railroad track owned or leased by the taxpayer (miles owned or leased) and the number of railroad track miles assigned to the taxpayer by a Class II or III railroad (miles assigned). This bill increases the annual limit to $6,100 multiplied by the sum of miles owned or leased and miles assigned. The $6,100 amount used in the calculation of the tax credit limit is adjusted for inflation for tax years beginning after 2025.

The bill also expands eligibility for the tax credit to include gross expenses for maintaining railroad tracks owned or leased as of January 1, 2024. Under current law, the tax credit is limited to gross expenses for maintaining railroad tracks owned or leased as of January 1, 2015.

Dentist and Optometric Care Access Act of 2025 or the DOC Access Act of 2025

This bill prohibits private health insurance plans from setting rates for items and services, except for dental cleanings, provided by a doctor of optometry, of dental surgery, or of dental medicine (or an employer of such a doctor) for which the plan does not pay a substantial amount.

Additionally, an agreement between a plan and such a doctor for limited scope dental or vision benefits may last longer than two years only with the prior acceptance of the doctor for each term extension. Plans also may not restrict such a doctor's choice of laboratories or suppliers.

Such doctors may elect to waive the application of the payment amount and choice of laboratories provisions of this bill.

The bill does not supersede state laws regarding health insurers and dental or vision benefit plans.

This resolution supports the designation of National Rural Health Day.

This bill repeals the authority for a Senator to bring a civil action against the federal government if an internet service provider or the Senate Sergeant at Arms (SAA) accessed or disclosed, or accesses or discloses, data from the Senator's office to provide to a federal agency without following prescribed notice requirements. The authority applies to a qualifying instance occurring on or after January 1, 2022.

The authority for the civil action was enacted in H.R. 5371, the Continuing Appropriations, Agriculture, Legislative Branch, Military Construction and Veterans Affairs, and Extensions Act, 2026, which was signed by the President on November 12, 2026. The relevant provision requires written notice from the internet service provider or the SAA to the Senate office upon receipt of any legal process seeking access or disclosure of covered data. A Senator affected by a federal violation of the provision may sue the federal government for the greater of $500,000 per violation or the actual damages, plus attorney's fees and related costs.

Cashless Bail Reporting Act

This bill requires the Department of Justice to publish annually a list of state and local governments that permit individuals who are charged with certain criminal offenses that pose a clear threat to public safety and order to be released pending trial on personal recognizance or upon execution of an unsecured appearance bond.

Under the bill, the criminal offenses that pose a threat to public safety and order include criminal offenses involving a violent or sexual act (e.g., burglary, murder, or rape) and offenses that promote public disorder (e.g., looting or vandalism).

On August 25, 2025, President Donald Trump issued an executive order that required the Department of Justice to submit to the Assistant to the President for Homeland Security a list of state and local jurisdictions that have substantially eliminated cash bail as a potential condition for pretrial release for crimes that pose a clear threat to public safety and order, including offenses involving violent, sexual, or indecent acts, or burglary, looting, or vandalism.

This resolution directs the Committee on Oversight and Government Reform to continue its investigation into the federal government's investigation of Jeffrey Epstein and Ghislaine Maxwell and to release to the public committee records relating to the committee's investigation, subject to limited exceptions.

Under the resolution, the committee records to be publicly disclosed include unclassified records referring or relating to Epstein's detention and death; flight logs of aircraft owned or used by Epstein; individuals named in connection with Epstein’s criminal activities, civil settlements, or immunity or plea agreements; immunity deals, sealed settlements, or plea bargains of Epstein or his associates; entities with ties to Epstein’s trafficking or financial networks; and internal Department of Justice communications concerning decisions to investigate or charge Epstein or his associates.

The resolution provides that the committee may withhold or redact portions of records with written justification that such portions contain (1) victims' personally identifiable information; (2) child sexual abuse materials; (3) images of death, physical abuse, or injury; (4) information which would jeopardize an active federal investigation or prosecution; or (5) classified information. The committee may not withhold or redact records on the basis of embarrassment, reputational harm, or political sensitivity.

The resolution states support for the committee's subpoenas and investigatory actions and encourages timely compliance with them. Additionally, the committee shall issue investigative reports as it deems necessary.

Shielding Children's Retinas from Egregious Exposure on the Net Act or the SCREEN Act

This bill establishes age-verification requirements for commercial interactive computer services (e.g., websites) that make available content that is harmful to minors (e.g., content that appeals to the prurient interest in nudity or sex, is obscene, or is child pornography).

Specifically, the bill requires such services to adopt and utilize technology verification measures to ensure that (1) users of the service are not minors, and (2) minors are prevented from accessing any content on the service that is harmful to minors.

Additionally, such services must (1) use the technology to verify a user's age; (2) publish the verification process that the service uses; and (3) subject users' Internet Protocol (IP) addresses, including known virtual proxy network (VPN) IP addresses, to the technology verification measures, unless the service determines a user is not located within the United States.

Covered services also must implement data security measures to protect information about individuals collected through the verification process.

The Federal Trade Commission must conduct regular audits of such services, issue guidance, and otherwise enforce the requirements of this bill.