Americans disagree about a lot. Most of us agree on this: your paycheck shouldn’t shrink because of politics, Washington shouldn’t borrow without limit, and when costs come down, prices should too. The STEADY Act writes those rules into law, for whichever party is in charge.
The 2% inflation goal goes into law. When the Federal Reserve misses it, the Fed has to explain why, in public, and say what it’s doing about it. No President or Congress can quietly order cheap money to win an election.
Interest is now the fastest-growing bill Washington pays. The act phases the deficit, not counting interest, down to zero over nine years. If Congress overshoots, the fix is shared fairly, and Social Security checks are never touched.
When shipping, fuel or wholesale costs fall, the biggest companies in concentrated markets have to let your prices fall too. Pricing software that lets competitors quietly coordinate is banned. No price is capped, and small businesses aren’t covered.
The institutions that set the value of your money, the size of the debt and the prices you pay.
You may remember different examples depending on where you sit. The fix is the same.
The lesson is the same on both sides: money and prices are too important to be left to whoever holds power this year. Rules that bind every administration are the only rules that protect every family.
It shows up at the grocery store, in your rent, in your mortgage rate and in what your taxes buy. Here’s what happened, and what STEADY would change.
The act has 10 packages that move through Congress as five separate bills. Together they keep six promises. Tap a number to read the package behind it.
Your choices stay in your browser. Use them in step 6 to write to your representatives.
Each one applies the same way whichever party is in power.
These are part of the plan, but each can be voted on separately, so disagreeing with one doesn’t sink the rest.
You’ll hear this proposal praised and attacked. Here is how each side is likely to talk about it, the strongest honest criticisms, and the answers.
Each criticism is stated in its strongest honest form.
Expect different messengers to cheer different packages and attack others. Knowing who stands to gain or lose helps you read the ads.
| Messenger | Likely to support | Likely to attack | What to watch for |
|---|---|---|---|
| Right-leaning cable, talk radio and websites | The deficit limit, the 2% target, the Fed trading ban, fair contracts | The top-1% share of a correction; the margin rule as “price controls” | Calling the whole act a tax hike because of one backstop |
| Left-leaning cable, podcasts and websites | Fair prices, the rent-software ban, the top-1% share, Fed independence | The deficit limit as “austerity”; defense and domestic cuts in a correction | Ignoring the recession pause and the Social Security exemption |
| Independent podcasters and creators | Anti-insider and anti-collusion packages | Anything that sounds like more bureaucracy | Clips without context; check the bill text in step 7 |
| Industry groups (grocery, meat, energy, drugs, landlords, software) | Predictable rules, an independent Fed, symmetric contracts | The margin rule, the 50% charge, the pricing-software ban | “Job killer” or “shortages” ads paid for by the affected industry |
| Anti-tax pledge groups | The deficit limit | Any tax-break haircut, even for the top 1% | Pressure on members who signed a pledge |
| Budget watchdogs and good-government groups (left and right) | The anchor, the scoreboard, the Fed letters, the trading ban | Packages they think are too weak or too rigid | Useful detailed critiques; read them |
| Consumer, farm and renter groups | Fair prices and the algorithm ban | Spending cuts in a correction | Support for some packages, opposition to others |
Whatever party they belong to. A yes should mean the same thing when their own party holds the White House.
Short, personal messages that name specific reforms get noticed. Your message below uses the reforms you checked in step 4.
Send the page, or copy a one-page summary to paste into an email, a post or a document you can print.
Open any package to see what it does, why, what critics say, and the bill text itself. The packages travel through Congress as five separate bills, so each can pass on its own.
Created by a deeply concerned citizen with the help of generative AI tools.
This page is the public summary of a citizens’ proposal called the STEADY Act, formally the Financial Trust Act. It has not been introduced in Congress. The draft legislative text still needs review by budget, antitrust and tax lawyers, and cost estimates from the Congressional Budget Office.
It is a companion to the Public Trust Act, which sets the same rules for every official. STEADY covers money, debt and prices; the two don’t overlap. Both work under today’s Constitution.
Content matches the plan draft v0.2 of October 30, 2026. Facts are sourced below; the type of each source is noted so you can judge it yourself.
To every Senator and Representative, of every party:
Your constituents are tired of paying for instability they didn’t cause. Prices that shoot up and drift down slowly. Rents set by software. A debt that grows faster than the country, with interest crowding out everything else. A central bank that every President is tempted to lean on.
The STEADY Act asks you to fix the rules, not to win the argument. Put the 2% inflation goal in law and protect the Fed from political pressure. Bring the deficit, not counting interest, to zero over nine years, with a recession pause, real emergency funding and a fair split of any correction: spending, defense included, and the tax breaks of the top 1%, never Social Security checks. Make dominant firms pass falling costs on. Ban price-fixing by algorithm. Make federal contracts work both ways.
Each package can pass on its own. We ask you to co-sponsor them with a member of the other party, to support them when your own party holds the White House, and to tell us publicly where you stand on each one.
Respectfully,
Your constituents
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