To authorize the Secretary of the Treasury to direct the Federal Deposit Insurance Corporation and the National Credit Union Administration to establish emergency transaction account guarantee programs, and for other purposes.

H.R. 8075 would give the Secretary of the Treasury authority to direct the Federal Deposit Insurance Corporation (FDIC) and the National Credit Union Administration (NCUA) to create emergency transaction account guarantee programs. These programs would likely provide temporary protections for customer deposits in transaction accounts at banks and credit unions during financial crises or emergencies.

If enacted, this legislation could help protect everyday citizens' access to their money during banking emergencies by ensuring that transaction accounts—such as checking accounts used for regular payments and deposits—receive guaranteed coverage. The bill would essentially create a mechanism for rapid government response to banking instability without requiring separate congressional action each time an emergency occurs.

The bill was introduced in the House on March 25, 2026, and is currently under committee consideration. It has not yet been voted on by the full chamber.