The U.S. stops making pennies and rounds cash to nickels.
H.R. 10167 — Common Cents Act · Filed by Lisa McClain (R-MI) · 1 cosponsor · Introduced Aug 27, 2026 · Passed both chambers
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What it does
The bill stops the U.S. Mint from making new pennies. Old pennies stay legal to use. When people pay cash without exact change, amounts round to the nearest nickel. The Federal Reserve must report on how this affects low-income people and people without bank accounts.
Who it affects
Businesses and people who pay with cash are affected. Low-income people who use cash may lose money through rounding. People without bank accounts who use cash may lose money too.
One thing to notice
When change is rounded, customers lose money but employers gain it. Customers' change rounds down: 1 or 2 cents becomes 0 cents. Customers' change of 3 or 4 cents becomes 5 cents. Employers round up instead.
From the analysis of the bill text, linked under Primary records below.
Where it stands
1 cosponsor: 1 Democrats.
- Aug 27, 2026 — Introduced · Congress.gov: “Introduced in House”
- Aug 27, 2026 — Referred to House Committee on Financial Services and Senate Committee on Banking, Housing, and Urban Affairs · Congress.gov: “Referred to the House Committee on Financial Services”
- Sep 14, 2026 — Passed the House · Congress.gov: “On motion to suspend the rules and pass the bill Agreed to by voice vote”
- Sep 14, 2026 — Floor vote scheduled · Congress.gov: “Ms. De La Cruz moved to suspend the rules and pass the bill”
- Sep 28, 2026 — Reported out of committee · Congress.gov: “Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.”
- Sep 28, 2026 — Passed both chambers · Congress.gov: “Passed Senate without amendment by Unanimous Consent”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Words to know
- Federal Reserve — The central bank of the United States that manages money and banking.
- low-income — People who earn small amounts of money.
- bank accounts — Money held at a bank for a person or company.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (11,140 characters) on Sep 5, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,778 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
As of — page rendered 2026-11-01.
“The U.S. stops making pennies and rounds cash to nickels.” QuorumCivic. https://share.quorumcivic.app/bill/119/hr10167/simple Report an error
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