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S. 5685Senate119th Congress (2025-2027)In Committee

Epstein Wall Street Records Act of 2026

A bill to require the disclosure of supervisory records of certain financial institutions that relate to Jeffrey Epstein, and for other purposes.

Sponsored by Elizabeth WarrenSen. Elizabeth Warren (D-MA)
Introduced October 15, 2026

AI-Generated Summary

Updated October 20, 2026 at 4:51 AM UTC

The Epstein Wall Street Records Act of 2026 requires U.S. financial regulators to release supervisory records that involve Jeffrey Epstein, Ghislaine Maxwell, or their associates. It forces agencies to make these records publicly searchable (with victim privacy protected) and to investigate any banks, securities firms, or senior executives that dealt with them. The bill also gives regulators authority to bar offending executives and impose civil penalties, and it mandates a comprehensive report to Congress.

Key Provisions

  • Defines a “covered institution” as any current or former bank, broker, or other financial firm with known or alleged ties to Epstein, Maxwell, or their associates, and a “covered record” as any supervisory document the regulators hold about those ties.
  • Within 90 days, the Federal Reserve, OCC, FDIC, and SEC must send physical copies of all covered records to key Senate and House committees; within 120 days they must post the records online, redacting any personally identifiable victim information and explaining any redactions.
  • Regulators must immediately begin investigations into covered institutions and senior executives to determine violations of banking, securities, or anti‑money‑laundering laws and to assess the extent of business with Epstein‑related parties.
  • If violations are found, the Federal Reserve, FDIC, OCC, or SEC can prohibit the offending senior executive from working in the industry and impose civil penalties, after notice and a hearing.
  • Any potential criminal violations uncovered during investigations must be referred to the Attorney General.
  • Within 180 days, the heads of the four agencies must submit a detailed report of investigation findings and any criminal referrals to the relevant congressional committees.

Legislative Activity

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SenateIntro Referral Latest Action

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs under authority of the order of the Senate of 09/30/2026.

Banking, Housing, and Urban Affairs Committee

October 15, 2026

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SenateIntro Referral

Introduced in Senate

October 15, 2026

SenateIntro Referral

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs under authority of the order of the Senate of 09/30/2026.

Banking, Housing, and Urban Affairs Committee

October 15, 2026

Bill Text

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Introduced in SenateIssued October 15, 2026

II

119th CONGRESS

2d Session

S. 5685

IN THE SENATE OF THE UNITED STATES

October 15, 2026

Ms. Warren (for herself, Mr. Blumenthal, Mr. Luján, and Mr. Wyden), under authority of the order of the Senate of September 30, 2026, introduced the following bill; which was ordered read twice and referred to the Committee on Banking, Housing, and Urban Affairs

A BILL

To require the disclosure of supervisory records of certain financial institutions that relate to Jeffrey Epstein, and for other purposes.

1.

Short title

This Act may be cited as the Epstein Wall Street Records Act of 2026.

2.

Epstein supervisory records

(a)

Definitions

In this section:

(1)

Covered institution

The term covered institution means any current or former financial institution with known or alleged ties to—

(A)

Jeffrey Epstein;

(B)

any entity owned or controlled by Jeffrey Epstein, whether directly or through any representative of Jeffrey Epstein;

(C)

Ghislaine Maxwell; or

(D)

an associate of Jeffrey Epstein or Ghislaine Maxwell.

(2)

Covered record

The term covered record means a supervisory record (including an examination report, the notes of an examiner, a supervisory communication between a financial regulatory agency and a covered institution, an investigatory filing, a matter requiring attention, a matter requiring immediate attention, an internal communication of a financial regulatory agency regarding a covered institution, and any other record created or obtained in connection with the financial regulatory agency’s supervision of a covered institution) that—

(A)

a financial regulatory agency maintains with respect to a covered institution; and

(B)

relates to—

(i)

Jeffrey Epstein;

(ii)

any entity owned or controlled by Jeffrey Epstein, whether directly or through any representative of Jeffrey Epstein;

(iii)

Ghislaine Maxwell; or

(iv)

an associate of Jeffrey Epstein or Ghislaine Maxwell.

(3)

Financial regulatory agency

The term financial regulatory agency means—

(A)

the Board of Governors of the Federal Reserve System;

(B)

the Office of the Comptroller of the Currency;

(C)

the Federal Deposit Insurance Corporation; and

(D)

the Securities and Exchange Commission.

(4)

Senior executive

The term senior executive, with respect to a covered institution—

(A)

means a current or former director, officer, controlling stockholder, or partner of the covered institution, or any other employee of the covered institution with substantial managerial, compliance, investment, or client relationship management responsibilities; and

(B)

does not include an employee of the covered institution who was not involved in the management of the covered institution.

(b)

Production of supervisory records

Notwithstanding any other provision of law or regulation, each financial regulatory agency shall—

(1)

not later than 90 days after the date of enactment of this Act, submit to the Chairman and Ranking Member of the Committee on Banking, Housing, and Urban Affairs of the Senate, the Chairman and Ranking Member of the Committee on Financial Services of the House of Representatives, the Chairman and Ranking Member of the Committee on Homeland Security and Governmental Affairs of the Senate, and the Chairman and Ranking Member of the Committee on Oversight and Government Reform of the House of Representatives physical copies of all covered records maintained by the financial regulatory agency;

(2)

not later than 120 days after the date of enactment of this Act, make publicly available in a searchable and downloadable format all covered records maintained by the financial regulatory agency, except that, in carrying out this paragraph, a financial regulatory agency shall withhold or redact the segregable portion of a covered record that contains personally identifiable information of victims (or the personal or medical files of victims); and

(3)

provide a written description of the basis for each withholding and redaction under paragraph (2).

(c)

Investigations

(1)

In general

Each financial regulatory agency shall, immediately after the date of enactment of this Act, commence investigations into covered institutions and senior executives with respect to covered institutions.

(2)

Subjects of investigations

Each investigation shall—

(A)

determine whether a covered institution or senior executive violated Federal banking, securities, or anti-money laundering laws; and

(B)

evaluate—

(i)

the extent to which the covered institution, and senior executives with respect to the covered institution, conducted business with Jeffrey Epstein, Ghislaine Maxwell, or an associate of Jeffrey Epstein or Ghislaine Maxwell;

(ii)

the extent to which the covered institution, and senior executives with respect to the covered institution, failed to reasonably oversee their employees who willfully or negligently facilitated efforts by Jeffrey Epstein, Ghislaine Maxwell, or an associate of Jeffrey Epstein or Ghislaine Maxwell to evade compliance, regulatory, and supervisory controls and scrutiny relating to the business and transactions of that covered institution;

(iii)

the monetary value of the business relationship between the covered institution and Jeffrey Epstein, Ghislaine Maxwell, or an associate of Jeffrey Epstein or Ghislaine Maxwell;

(iv)

the extent to which the covered institution had sufficient controls in place to identify illicit activity conducted by Jeffrey Epstein, Ghislaine Maxwell, or an associate of Jeffrey Epstein or Ghislaine Maxwell, whether those controls were ever exercised, and the outcome of exercising those controls;

(v)

any communication between the covered institution and Jeffrey Epstein, Ghislaine Maxwell, or an associate of Jeffrey Epstein or Ghislaine Maxwell; and

(vi)

whether any documents related to Jeffrey Epstein, Ghislaine Maxwell, or an associate of Jeffrey Epstein or Ghislaine Maxwell were destroyed, and, if so, when and why the documents were destroyed and who authorized the destruction.

(d)

Mandatory consideration of industry prohibition and civil penalties for executive misconduct

(1)

Federal reserve; fdic; occ

(A)

In general

The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, or Comptroller of the Currency shall impose 1 or more of the remedies described in subparagraph (B) if, in the course of conducting an investigation required under subsection (c), the Board, Corporation, or Comptroller, as applicable, determines, following notice and an opportunity for hearing, that a senior executive of an insured depository institution—

(i)

violated or aided or abetted a violation of Federal banking laws or Federal anti-money laundering laws in connection with the financial accounts or transactions of Jeffrey Epstein; or

(ii)

engaged in conduct that otherwise provides a basis for a sanction under subsection (e) or (i) of section 8 of the Federal Deposit Insurance Act (12 U.S.C. 1818).

(B)

Remedies

The remedies described in this subparagraph are the following:

(i)

An order prohibiting any participation by that senior executive, in any manner, in the conduct of the affairs of any insured depository institution described in section 8(e) of the Federal Deposit Insurance Act (12 U.S.C. 1818(e)).

(ii)

An order imposing a civil penalty described in section 8(i)(2)(C) of the Federal Deposit Insurance Act (12 U.S.C. 1818(i)(2)(C)).

(2)

SEC

(A)

In general

The Securities and Exchange Commission shall seek or impose 1 or more of the remedies described in subparagraph (B) if, in the course of conducting an investigation required under subsection (c), the Commission determines, following notice and an opportunity for a hearing, that a senior executive of a broker, dealer, investment adviser, municipal securities dealer, municipal advisor, transfer agent, or nationally recognized statistical rating organization—

(i)

violated or aided or abetted a violation of Federal securities laws or Federal anti-money laundering laws in connection with the financial accounts or transactions of Jeffrey Epstein; or

(ii)

engaged in conduct that otherwise provides a basis for a sanction under section 203(f) of the Investment Advisers Act of 1940 (15 U.S.C. 80b–3(f)) or section 15(b)(6) of the Securities Exchange Act of 1934 (15 U.S.C. 78o(b)(6)).

(B)

Remedies

The remedies described in this subparagraph are the following:

(i)

An order barring the senior executive from association with any broker, dealer, investment adviser, municipal securities dealer, municipal advisor, transfer agent, or nationally recognized statistical rating organization pursuant to section 15(b)(6) of the Securities Exchange Act of 1934 (15 U.S.C. 78o(b)(6)) or section 203(f) of the Investment Advisers Act of 1940 (15 U.S.C. 80b–3(f)).

(ii)

A civil penalty described in section 203(i)(2)(C) of the Investment Advisers Act of 1940 (15 U.S.C. 80b–3(i)(2)(C)) or section 21B(b)(3) of the Securities Exchange Act of 1934 (15 U.S.C. 78u–2(b)(3)) in a court of the United States.

(e)

Criminal referrals

If, in the course of conducting an investigation required under subsection (c), the financial regulatory agency reasonably finds that a violation of Federal criminal law may have occurred, that financial regulatory agency shall refer the matter to the Attorney General.

(f)

Report

Not later than 180 days after the date of enactment of this Act, the Vice Chairman for Supervision of the Board of Governors of the Federal Reserve System, the Comptroller of the Currency, the Chairperson of the Federal Deposit Insurance Corporation, and the Chairman of the Securities and Exchange Commission shall submit to the Chairman and Ranking Member of the Committee on Banking, Housing, and Urban Affairs of the Senate, the Chairman and Ranking Member of the Committee on Financial Services of the House of Representatives, the Chairman and Ranking Member of the Committee on Homeland Security and Governmental Affairs of the Senate, and the Chairman and Ranking Member of the Committee on Oversight and Government Reform of the House of Representatives a report detailing the findings and the outcomes of the investigations required under subsection (c) and any criminal referral made to the Attorney General.