Shelley Moore Capito
Tickers in This Filing
Price Movement Since Trade
How each stock has moved from the trade date to the most recent close.
Suspicious Timing Detected
2 flagsThese flags identify timing coincidences between stock trades and legislative activity. They do not imply wrongdoing. Click any bill number or ticker to see the full analysis.
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All Transactions
| Type | Ticker | Asset | Amount | Trade Price | Current | Change | Date |
|---|---|---|---|---|---|---|---|
| BUY | $PNC | The PNC Financial Services Group Inc | $1K-$15K | $202.69 | $227.08 | +12.0% | Mar 12, 2026 |
| BUY | $AXP | American Express Co | $1K-$15K | $305.99 | $312.56 | +2.1% | Mar 11, 2026 |
| SELL | $FDS | FactSet Research Systems Inc | $1K-$15K | $196.27 | $255.02 | +29.9% | Mar 26, 2026 |
| SELL | $FDS | FactSet Research Systems Inc | $1K-$15K | $196.27 | $255.02 | +29.9% | Mar 31, 2026 |
| SELL | $FDS | FactSet Research Systems Inc | $1K-$15K | $196.27 | $255.02 | +29.9% | Mar 25, 2026 |
Connected Legislative Activity
8 signalsThese bills and contracts share tickers or sectors with this filing's trades.
Protect Your Points Act of 2026
The Protect Your Points Act of 2026 (S.4244) targets airline loyalty program revenue by banning point expiration, mandating free transfers, and requiring real-time value disclosure. The bill is in early stages with a single Democratic sponsor, but if enacted, it would directly erode breakage income and transfer fee revenue for major airlines ($AAL, $UAL, $DAL, $LUV) while imposing IT compliance costs. Co-brand card issuers $COF and $AXP face indirect operational uncertainty but no direct revenue hit. Current stock prices reflect broader sector trends, not yet discounting this bill's risk.
Access to Fair Financing for Opportunity and Resilient Development Act
S.3940 is a procedural bill that makes Treasury Secretary testimony discretionary for CDFI Fund oversight and expresses a non-binding sense of Congress supporting the CDFI Bond Guarantee Program, but authorizes zero new funding. No direct market impact exists given the early-stage referral and absence of appropriations.
Community Bank Regulatory Tailoring Act
The Community Bank Regulatory Tailoring Act actively advancing through the House provides direct regulatory relief to regional and community banks by raising key asset thresholds. Real market data confirms strong momentum: $RF +2.52% (7-day), $KEY +2.03%, $ZION +3.77% — outperforming the broader market. The bill's strongest impact falls on banks between $50B-$105B in assets that will be fully exempted from Dodd-Frank enhanced prudential standards.
Main Street Depositor Protection Act
HR8087 (Main Street Depositor Protection Act) proposes raising FDIC insurance on noninterest-bearing transaction accounts to up to $5M, but remains in early procedural status with no funding mechanism. The bill reduces tail-risk of deposit flight for money-center banks but creates a contingent liability on the Deposit Insurance Fund. Real market data shows all six tracked bank stocks trading near the upper end of their 52-week ranges with positive 30-day momentum (2.89-13.55% gains), reflecting market pricing of a stable operating environment with low near-term legislative disruption risk.
To restore and clarify the intent of the Federal interest rate exportation parity for State-chartered banks by allowing States to opt out of preemption only with respect to loans made by their own chartered institutions, and for other purposes.
HR7866 is an early-stage bill that would allow states to opt out of federal interest rate preemption for loans made by banks chartered in other states. This increases the regulatory burden on large national banks like JPMorgan, Bank of America, Wells Fargo, and Citigroup by fragmenting the national lending market across potentially 50 state regimes. The bill is currently in committee with a companion bill in the Senate, but its early stage limits near-term market impact.
Empowering States' Rights To Protect Consumers Act of 2026
S. 3721 is an early-stage bill that would allow states to cap consumer credit APRs, threatening credit card issuer revenue models. The bill has 4 Democratic sponsors and was referred to committee 3 months ago with no further action. Capital One ($COF) has the highest exposure as a pure-play subprime card lender; American Express ($AXP) faces moderate risk on its revolving credit balances. Market data shows $COF and $AXP recently declining 2-3% in the past week, partly reflecting this overhang.
Bankruptcy Threshold Adjustment Act of 2026
The Bankruptcy Threshold Adjustment Act of 2026 (S.3977 / HR7730) expands Chapter 13 consumer and small business debt eligibility 5-6x, directly increasing lender loss-given-default on unsecured credit. Pure-play Capital One ($COF at $191.14) faces the highest proportional earnings risk. The bill is on the Senate calendar with a companion House bill reported out of committee — active legislative momentum not yet reflected in bank stock rallies (+1-13% over 30 days).
A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "The Fair Credit Reporting Act's Limited Preemption of State Laws".
S.J. Res. 129, a CRA resolution to preserve federal preemption of state credit reporting laws, stalled after a motion to proceed was rejected by voice vote on May 13, 2026. This reduces near-term likelihood of passage, keeping regulatory costs for credit bureaus and national lenders at current levels.
Other Filings by Shelley Moore Capito
Data sourced from the U.S. House of Representatives Office of the Clerk Financial Disclosure system. Stock prices from Financial Modeling Prep. Suspicious timing flags identify coincidences between stock trades and legislative activity and do not imply any wrongdoing or illegal activity. This is not financial advice.