The 10 Promises › Proposal 1 › Legislative Outline
1. Homeland First Act: Legislative Outline
Model Legislative Outline, not final bill text. It needs drafting by legislative counsel. Version 2.1, revised November 4, 2026.
This Act may be cited as the “Homeland First Act”.
Purpose
To stop foreign aid spending, restore Congress’s war power, pause immigration for ten years, strengthen naturalization, cap refugee admissions, end birthright citizenship for children of parents who are neither citizens nor lawful permanent residents, force the sale of land controlled by foreign adversary governments, replace the 1965 Act’s family-preference system and the diversity visa lottery with a merit-based immigration system when the moratorium ends, bar banks and money transmitters from serving persons unlawfully present, and raise the remittance tax to 50% for senders who are not U.S. citizens or nationals and to 99% for senders unlawfully present.
Principal Requirements
Sec. 4. End of foreign assistance
- No new foreign assistance obligations for fiscal years after enactment; unobligated balances rescinded to the Treasury.
- Covers economic, development, humanitarian, and military grant assistance (22 U.S.C. 2151 et seq. and 22 U.S.C. 2763), and voluntary contributions to international organizations and development banks.
- Continues: embassy and diplomatic operations; Foreign Military Sales paid for by the buyer; obligations under treaties ratified by the Senate; obligations already contracted, until they end.
Sec. 5. Declaration of war required
- No funds may be spent to introduce U.S. Armed Forces into hostilities without a declaration of war or specific statutory authorization, except to repel a sudden attack on the United States, its territories, or its forces.
- Conforming amendments to the War Powers Resolution (50 U.S.C. 1541 et seq.).
Sec. 6. Ten-year immigration moratorium
- Suspends issuance of immigrant visas and adjustment of status for 10 years, except for aliens of extraordinary ability (8 U.S.C. 1153(b)(1)(A)) and minor children of U.S. citizens.
- Nonimmigrant visas limited to O-1, B-1/B-2, F-1, M-1, and the A, G, C, and D classifications required by treaty.
- Does not revoke any visa, status, or green card already granted; does not change withholding of removal or protections required by the Convention Against Torture.
- Amends 8 U.S.C. 1151 and 1101(a)(15).
Sec. 7. Refugee admissions
- Caps refugee admissions at 100,000 per fiscal year; any change requires an Act of Congress.
- Each admission requires documented, individual persecution; no consideration of race, ethnicity, religion, or national origin.
- Amends 8 U.S.C. 1157.
Sec. 8. Naturalization standards
- English requirement (8 U.S.C. 1423) raised to reading, writing, and conversation at a standard set by regulation; civics test drawn from a 100-question bank with 20 asked and 14 correct required. Existing age and disability exceptions remain.
- Oath of allegiance (8 U.S.C. 1448) expressly renounces all other national allegiances. The United States cannot control whether another country still treats the person as its citizen.
Sec. 9. Divestment of adversary-controlled land
- Covered entities must divest covered land within 2 years of notice from the Secretary of the Treasury.
- Sale at fair market value set by an independent appraisal. If the entity does not sell, the United States may acquire the land by eminent domain with just compensation (Fifth Amendment).
- Reporting through the Agricultural Foreign Investment Disclosure Act (7 U.S.C. 3501 et seq.); review under 50 U.S.C. 4565.
Sec. 10. Birthright citizenship (implementing statute)
- Amends 8 U.S.C. 1401(a) so that a person born in the United States is a citizen at birth if at least one parent is a qualifying parent at the time of birth.
- Takes effect on ratification of the amendment in Part B and applies only to births after that date. No one’s existing citizenship is affected.
- Applies equally to every child regardless of race, ethnicity, religion, or national origin.
Sec. 11. Merit-based immigration (repeal of the 1965 family-preference system)
- Background: the Immigration and Nationality Act of 1965 (Hart-Celler) replaced the national-origins quotas of the Immigration Act of 1924 with a preference system based on family ties and employment skills.
- Repeals the family-sponsored preference categories of INA §203(a) (8 U.S.C. 1153(a)): unmarried adult sons and daughters of citizens, spouses and children of lawful permanent residents, married sons and daughters of citizens, and brothers and sisters of adult citizens.
- Repeals the diversity immigrant visa lottery (INA §203(c), 8 U.S.C. 1153(c)) and the employment-based preference categories of INA §203(b), whose functions the points system takes over.
- Nuclear family only: spouses and minor unmarried children of U.S. citizens remain eligible as immediate relatives under INA §201(b) and are not counted against the merit cap. Parents of adult citizens are no longer an immigrant category. Petitions under INA §204 (8 U.S.C. 1154) are limited to these immediate relatives and to merit applicants.
- Creates a merit-based points system for all other immigrant visas, weighted by skills and occupation, education, a qualifying U.S. job offer and its wage, English proficiency, age, and a civics test and written commitment to assimilation and the oath of allegiance. USCIS and the Department of State publish the point schedule by regulation, and applicants are admitted in order of score.
- Hard annual cap: 100,000 merit-based immigrant visas per fiscal year to start, including the spouses and minor children who accompany a merit applicant. Congress may adjust the cap only by statute. The cap is separate from, and in addition to, the 100,000-a-year refugee cap in Sec. 7.
- Retains the 1965 Act’s ban on discrimination: no person may receive any preference or priority or be discriminated against in the issuance of an immigrant visa because of race, sex, nationality, place of birth, or place of residence (INA §202(a)(1)(A), 8 U.S.C. 1152(a)(1)(A)). The points system may not use race, ethnicity, religion, nationality, or country of origin as a factor.
- Per-country caps (INA §202(a)(2), 8 U.S.C. 1152(a)(2)) become moot under a single merit cap and are removed; no national-origins quota or per-country preference of any kind is created.
- Amends INA §§201, 202, 203, and 204 (8 U.S.C. 1151, 1152, 1153, 1154). An ordinary statute; no constitutional amendment is needed.
Sec. 12. Lawful status required for financial services
- Background: the customer identification rule (31 CFR 1020.220) lets a bank identify a non-U.S. person with a taxpayer identification number (including an ITIN), a passport number, an alien identification card number, or the number of another government photo ID, which is how foreign consular cards such as the matrícula consular are accepted. Executive Order 14406 (May 19, 2026) directs Treasury to treat use of an ITIN without verified lawful status as a risk factor and to review consular IDs. The Know Your American Customer Act (H.R. 8836 and S. 4206, 119th Congress) would require status checks at banks and credit unions. This section makes the rule law and extends it to money transmitters and lenders.
- Prohibition: a covered financial institution may not open or maintain an account for, extend credit to, issue a credit or debit card to, or carry out a wire or remittance transfer for an individual who is unlawfully present in the United States.
- Verification at account opening: each individual customer, joint holder, and authorized signer presents a U.S. passport, a REAL ID-compliant license or State ID, a birth certificate with photo ID, a certificate of naturalization or citizenship, a permanent resident card, or a foreign passport with a valid record of lawful admission, and the institution confirms status through the Social Security Administration and the USCIS SAVE program, which this section opens to covered institutions for this purpose. An ITIN or a foreign consular ID may still be recorded but is no longer sufficient by itself. Amends 31 U.S.C. 5318(l) and directs conforming changes to 31 CFR 1020.220 and the matching rules for credit unions, broker-dealers, and money services businesses.
- Existing accounts: within 1 year, institutions verify every individual account that was opened without a Social Security number or with a foreign consular ID. An unverified customer gets written notice and 90 days to present documents. If status is not shown, the institution closes the account and pays the full balance to the account holder by check or by transfer to an account the holder designates, including one abroad. No funds are confiscated or forfeited because of this section. Loans already made are not called early because of this section; they continue on their terms, but no new credit is extended.
- Temporary visas: when a customer’s authorized stay ends, access continues for 30 days, then the account is restricted to deposits for 60 days, and closed as above unless new documents are shown.
- Protection for citizens and lawful residents: no account may be closed under this section without the notice above. A customer who shows qualifying documents has full access restored within 5 business days. A customer may appeal a closure to the institution’s federal regulator, and an institution that closes a citizen’s or lawful resident’s account in violation of this section is liable for actual damages and costs.
- Equal treatment: the same verification applies to every customer. No institution may use race, ethnicity, religion, national origin, language, accent, or surname to decide whom to verify or to deny service. The Equal Credit Opportunity Act stays in force.
- Penalties and safe harbor: civil money penalties for each violation, and higher penalties for a pattern or practice, enforced by FinCEN and the federal banking regulators (and the NCUA for credit unions). An institution that relies in good faith on documents verified as above is not liable. Knowingly opening an account for another person in order to evade this section is a federal crime.
- Obstacles, stated plainly: people refused bank accounts may turn to cash, prepaid cards, check cashers, and informal or unlicensed money networks, which are harder to trace; institutions bear real compliance costs, especially smaller banks and credit unions; and verifying millions of existing accounts depends on the accuracy of SAVE and Social Security records, so the correction and appeal rights above are essential to avoid wrongful closures of citizens’ accounts.
Sec. 13. Remittance tax: 50% for senders who are not citizens, 99% for senders unlawfully present
- Current law: 26 U.S.C. 4475, added by section 70604 of Public Law 119-21 (July 4, 2025), imposes a 1% excise tax on remittance transfers made after December 31, 2025, only when the sender pays the provider in cash, a money order, a cashier’s check, or a similar physical instrument. Transfers funded from a U.S. bank account or a U.S.-issued debit or credit card are exempt. The sender owes the tax; the provider collects it and is liable if it does not.
- Rates: amends 26 U.S.C. 4475(a) so that the tax on a remittance transfer by a covered sender is 99% of the amount transferred if the sender, or the person for whom the transfer is made, is unlawfully present in the United States (as defined in Sec. 12), or if the sender’s status has not been verified; and 50% of the amount transferred for every other covered sender.
- Scope: repeals the cash-only limit of 4475(c) and the bank-account and card exemptions of 4475(d) for covered senders, so the tax applies however the transfer is funded: cash, bank account, debit or credit card, mobile app, money order, or digital asset sent through a provider or exchange.
- Covered senders: every individual sender who is not a U.S. citizen or national, including lawful permanent residents and visa holders. The tax does not apply to a sender the provider has verified as a U.S. citizen or national under an agreement with Treasury, as in the House versions of the 2025 bill. A citizen or national who has the tax withheld anyway may claim it back as a refundable income tax credit.
- Verification and withholding: before each transfer the provider confirms the sender’s status using the documents and federal checks in Sec. 12 (the USCIS SAVE program and Social Security records), and may rely on a verification already on file. A verified citizen or national pays nothing; a verified lawful permanent resident or visa holder pays 50%; a sender found to be unlawfully present, or whose status cannot be verified, has 99% withheld. A sender who later proves citizenship or lawful status recovers the excess as a refundable income tax credit. A provider that follows these rules in good faith is not liable for applying the wrong rate; a provider that fails to verify or withhold is liable for the unpaid tax at 99%.
- Remittances only: as in current law, “remittance transfer” has its meaning under the Electronic Fund Transfer Act (15 U.S.C. 1693o-1(g)): personal transfers sent abroad by a consumer. Payments by businesses for goods, services, and trade are not covered.
- Fronts and anti-evasion: a transfer made by a citizen, a lawful resident, a business, or any other intermediary on behalf of, or with money supplied by, a person unlawfully present is taxed at 99%, and the intermediary is jointly liable for the tax with the person who supplied the money; one made on behalf of another covered sender is taxed at that sender’s rate (extending the anti-conduit rule of 4475(f)). Knowingly acting as a front for a person unlawfully present is a federal crime in addition to the tax. Splitting transfers to avoid the tax is treated as structuring under 31 U.S.C. 5324; digital-asset exchanges and wallet providers that send value abroad for customers are remittance transfer providers; and operating an unlicensed money transmitting business, including a hawala or other informal value transfer network, carries higher penalties under 18 U.S.C. 1960, with forfeiture of the funds moved unlawfully.
- Backstop to Sec. 12: because Sec. 12 bars covered institutions from serving persons unlawfully present, few such transfers should pass through licensed providers at all. The 99% rate reaches those that still do, through fronts, unverified senders, or providers that break the rules, and removes any gain from evading Sec. 12.
- Use of revenue: receipts go to a Border Security and Enforcement Trust Fund for border security, interior enforcement, and enforcement of this section and Sec. 12, subject to appropriation; receipts above those appropriations go to reducing the deficit.
- Obstacles, stated plainly: at 50%, much of the money now sent through licensed providers is likely to move to cash carried across the border, informal networks, and digital assets, which the anti-evasion rules aim to reach but which are hard to police; a 99% rate tied to unlawful presence is likely to be treated as a penalty rather than a tax (see the Constitutional Question) and could be reduced in particular cases under the Excessive Fines Clause; the tax may conflict with non-discrimination articles in some U.S. tax treaties and with U.S. commitments on financial services under trade agreements; verifying citizenship for every sender adds cost for providers and customers; and remittances support families in countries whose stability affects migration to the United States.
Part B. House Joint Resolution: citizenship amendment
- Sec. 1: A person born in the United States shall be a citizen of the United States at birth only if, at the time of birth, at least one parent is a citizen of the United States or an alien lawfully admitted for permanent residence.
- Sec. 2: This article shall not affect the citizenship of any person born before its ratification.
- Sec. 3: Congress shall have power to enforce this article by appropriate legislation.
- Ratification by three-fourths of the States within 7 years.
Definitions and Eligibility
- “Merit applicant”: an applicant for an immigrant visa under the points system in Sec. 11, with an accompanying spouse and minor unmarried children.
- “Minor child”: an unmarried child under 21, as in INA §101(b)(1).
- “Foreign assistance”: grant assistance described in Sec. 4; not loans repaid in full, sales, or diplomatic operations.
- “Qualifying parent”: a U.S. citizen or lawful permanent resident.
- “Covered entity”: the government of China, Russia, Iran, or North Korea; an entity organized under its laws or with its principal place of business there; or an entity in which such a government holds 10% or more of the beneficial interest or exercises control. A U.S. citizen or lawful permanent resident is never a covered entity, whatever the person’s ancestry or national origin.
- “Covered land”: agricultural land as defined in 7 U.S.C. 3508, and real estate within the distances of military installations listed in 31 CFR part 802.
- “Unlawfully present”: an alien who is not a lawful permanent resident and is not present under a lawful admission, parole, or other status whose period of authorized stay has not expired; an alien with a pending asylum application or an order granting withholding of removal is treated as lawfully present while it remains in effect.
- “Covered financial institution”: an insured depository institution (12 U.S.C. 1813), an insured credit union (12 U.S.C. 1752), a money transmitter or other money services business registered under 31 U.S.C. 5330, a broker-dealer, a card issuer, and a digital-asset exchange or custodian serving U.S. customers. Accounts of foreign persons who are not physically present in the United States are not covered.
- “Remittance transfer” and “remittance transfer provider”: as defined in 15 U.S.C. 1693o-1(g), extended to include digital-asset transfers abroad by a provider.
- “Covered sender”: an individual sender of a remittance transfer who has not been verified as a U.S. citizen or national under Sec. 13. A covered sender pays 99% if unlawfully present or not verified, and 50% otherwise.
Existing Law Affected
- Foreign Assistance Act of 1961 and Arms Export Control Act (title 22)
- War Powers Resolution (50 U.S.C. 1541 et seq.)
- Immigration and Nationality Act (8 U.S.C. 1101, 1151, 1153, 1157, 1401, 1423, 1448)
- INA §201 (8 U.S.C. 1151, worldwide levels), §202 (8 U.S.C. 1152, per-country limits), §203 (8 U.S.C. 1153, preference and diversity categories), and §204 (8 U.S.C. 1154, petitions), as enacted by the Immigration and Nationality Act of 1965 (Public Law 89-236)
- Agricultural Foreign Investment Disclosure Act; Defense Production Act sec. 721 (50 U.S.C. 4565)
- Bank Secrecy Act customer identification: 31 U.S.C. 5318(l) and 31 CFR 1020.220; money services business registration, 31 U.S.C. 5330; structuring, 31 U.S.C. 5324; unlicensed money transmitting, 18 U.S.C. 1960
- Remittance transfer tax, 26 U.S.C. 4475 (Public Law 119-21, sec. 70604); remittance transfer definitions, Electronic Fund Transfer Act sec. 919 (15 U.S.C. 1693o-1)
Implementation Timeline
- Foreign assistance: fiscal years beginning after enactment.
- Moratorium, refugee cap, naturalization: 180 days after enactment.
- Land divestment: notices within 1 year; 2 years to sell.
- Merit-based system (Sec. 11): takes effect when the 10-year moratorium ends. No new family-preference or diversity petitions are accepted after enactment; pending ones are closed with fees refunded.
- Birthright statute: on ratification of Part B; births after that date.
- Lawful-status verification (Sec. 12): new accounts and new credit 180 days after enactment; existing accounts verified within 1 year, with 90 days’ notice before any closure.
- Remittance tax at 50% and 99% (Sec. 13): transfers made in calendar quarters beginning at least 90 days after enactment.
Responsible Agencies
Department of State (immigrant visas); U.S. Citizenship and Immigration Services (points scoring, petitions, and SAVE verification for Sec. 12); Departments of Homeland Security, Agriculture, and Defense; Treasury (CFIUS, FinCEN, and the IRS for the remittance tax); the federal banking regulators (OCC, FDIC, Federal Reserve) and the NCUA; the Social Security Administration (status verification); Department of Justice.
Enforcement and Appeals
The Attorney General may sue to compel divestment. Owners may seek review of a divestment notice or valuation in the U.S. District Court for the District of Columbia, with appeal to the D.C. Circuit. Sec. 12 is enforced by FinCEN and the federal banking regulators, with customer appeals to the institution’s regulator and a private action for wrongful closure of a citizen’s or lawful resident’s account. Sec. 13 is collected and enforced by the IRS, with refund claims through the income tax return for citizens and nationals and for lawful senders who had 99% withheld.
Fiscal Implications
Ending foreign assistance reduces outlays; eminent domain purchases add one-time costs, offset by resale. The remittance tax at 50% and 99% raises receipts, but by an amount that is hard to predict because senders would shift to informal channels; verification costs fall mainly on financial institutions. See the fiscal appendix.
See the fiscal appendix for cited estimates.
Constitutional Questions
Current doctrine. Birthright: in United States v. Wong Kim Ark (1898), the Supreme Court held that a child born here to parents lawfully domiciled in the United States is a citizen. In Trump v. Barbara (No. 25-365, decided June 30, 2026), the Court affirmed the judgment against Executive Order 14160 by a 6–3 vote. The opinion of the Court (Chief Justice Roberts, joined by Justices Sotomayor, Kagan, Barrett, and Jackson) held that children born in the United States to parents unlawfully or temporarily present are “subject to the jurisdiction” of the United States and are citizens at birth under the Fourteenth Amendment. Justice Kavanaugh concurred only in the judgment: he disagreed with the constitutional holding and would have ruled that the order violates the statute, 8 U.S.C. 1401(a), which Congress could amend. Justices Thomas (joined by Justice Gorsuch), Alito, and Gorsuch dissented. The constitutional holding, joined by five justices, is the Court’s precedent. War powers: Article I gives Congress the power to declare war and control funding; presidents have claimed Article II authority to use force without it, and the 1973 War Powers Resolution has never been fully tested in court. Land: the Fifth Amendment allows taking property for public use with just compensation. Banking and remittances: Congress regulates banks, credit unions, and money transmitters under the Commerce Clause and the Bank Secrecy Act (31 U.S.C. 5311 et seq.), and the Supreme Court gives Congress wide latitude to treat citizens and non-citizens differently in federal law (Mathews v. Diaz, 1976). Federal excise taxes must be uniform throughout the United States (Article I, Section 8, Clause 1); a single nationwide rate meets that rule. A charge called a tax may be treated as a penalty if it is heavy and tied to unlawful conduct: in NFIB v. Sebelius (2012) the Court upheld the individual mandate payment as a tax partly because it was modest, required no knowing violation, and carried no criminal consequence, while in Bailey v. Drexel Furniture (1922) it struck down a 10% tax on employers of child labor as a penalty. In Department of Revenue of Montana v. Kurth Ranch (1994) a heavy tax on illegal drugs was held to be punishment for double jeopardy purposes, and the Excessive Fines Clause bars punitive charges that are grossly disproportional to the offense (United States v. Bajakajian, 1998). A 99% rate tied to unlawful presence will likely be judged a penalty, not a tax.
Mechanism required. Birthright: a constitutional amendment, ratified by three-fourths of the States (Article V); because five justices held the Fourteenth Amendment itself guarantees this citizenship, a statute alone (including an amendment to 8 U.S.C. 1401(a)) would be held unconstitutional under Barbara. War powers and land divestment: statute, defended in court. Banking and remittance sections (Secs. 12 and 13): ordinary statute. Sec. 13 raises revenue, so the House bill must be passed first (Origination Clause, Article I, Section 7). Under the later-in-time rule, a later statute controls in U.S. courts if it conflicts with an earlier tax treaty, though treaty partners could object. The 99% rate is enacted under the commerce and immigration powers as well as the taxing power, with notice, an IRS appeal, and refund rights, so it can stand as a penalty if a court so holds; a court could still reduce it in a particular case under the Excessive Fines Clause.
Legislative Instrument Required
Bill (H.R.) with a Senate companion (an ordinary statute, including the merit-based immigration system in Sec. 11, the lawful-status rule for financial services in Sec. 12, and the remittance tax in Sec. 13; because Sec. 13 raises revenue, the House bill must pass first), plus a House Joint Resolution (Article V amendment) for birthright citizenship only.
Severability: if any provision, or its application to any person or circumstance, is held invalid, the rest of the measure and its other applications are not affected.
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