IRS must tell taxpayers 45 days before asking banks for their records.
H.R. 6495 — Taxpayer Notification and Privacy Act · Filed by W. Steube (R-FL) · 1 cosponsor · Introduced Dec 5, 2025 · Passed chamber
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What it does
The bill changes tax law. The IRS must tell a taxpayer before it asks banks or employers for records. The taxpayer gets 45 days to give the records themselves. The IRS must say exactly what records it wants. The IRS can skip this rule only if records are truly needed.
Who it affects
Taxpayers gain new rights. They get advance notice when the IRS seeks their records from third parties. They have 45 days to provide records directly.
One thing to notice
The 45-day notice period may slow IRS investigations into tax fraud. The rule may lead to disputes between taxpayers and the IRS.
From the analysis of the bill text, linked under Primary records below.
Where it stands
1 cosponsor: 1 Democrats.
- Dec 5, 2025 — Introduced · Congress.gov: “Introduced in House”
- Dec 5, 2025 — Referred to House Committee on Ways and Means and Senate Committee on Finance · Congress.gov: “Referred to the House Committee on Ways and Means”
- Dec 10, 2025 — Markup held in committee · Congress.gov: “Committee Consideration and Mark-up Session Held”
- Dec 10, 2025 — Reported out of committee · Congress.gov: “Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 41 - 0”
- Apr 27, 2026 — Passed the House · Congress.gov: “On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H3106)”
- Apr 27, 2026 — Floor vote scheduled · Congress.gov: “Mr. Smith (MO) moved to suspend the rules and pass the bill, as amended”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
2 groups reported lobbying about this bill. They filed 2 reports from Dec 2025 to Jun 2026.
Those reports show $60,000 in lobbying spending. Each report lists about 50 bills. So that money was not all for this bill.
More groups named this bill than 41% of bills with any report.
W. Steube, who sponsored the bill, received $624,000 from PACs for the 2026 election.
- National Taxpayers Union — $30,000 in 1 report
- Small Business & Entrepreneurship Council (sbe Council) — $30,000 in 1 report
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- third parties — Banks, employers, and other companies that hold a person's financial records.
- advance notice — A warning given to someone before something happens.
- lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
- PACs — Groups that collect money and give it to candidates for office.
- sponsored — To sponsor a bill is to introduce it in Congress and put your name on it.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (2,018 characters) on Jun 22, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,707 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.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 20, 2026 · page rendered 2026-09-23.
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