The American Prosperity Card Act of 2026 is a short, straightforward bill that turns the national debt from a burden into a citizen-owned asset using only systems and laws that already exist today.

• Legal foundation — built entirely on existing statutes: TreasuryDirect authority (31 U.S.C. § 3101 et seq.), the Durbin Amendment debit-fee caps (2011), postal-banking pilots, and EBT card infrastructure.
• Completely voluntary — no one is forced to participate. Any adult can open (or close) the account at any time.
• Bank partnership, not takeover — banks remain 100 % private and are paid a capped 0.1 % servicing fee to issue cards and handle transactions, giving them strong incentive to support the program instead of fighting it.
• No foreign backlash — new Treasury debt is offered to American citizens first (right of first refusal). Foreign and corporate buyers can still participate, but only after citizens have taken what they want — eliminating leverage without banning anyone.
• Permanent safeguards — iron-clad lockbox (requires recorded 2/3 vote of both Houses to touch), explicit prohibition on CBDC conversion or social-credit features, and $50,000 private right of action for any violation of privacy or restrictions.
• Immediate, measurable benefits — $57 billion in year-one recapture of swipe fees and bank spreads flows straight to households and small businesses, scaling to hundreds of billions annually as adoption grows.

Everything in the bill is already legal, already operational somewhere in government, and already court-tested.
No new agencies, no new spending, no constitutional questions. It simply moves the interest on the debt we already pay from the banks’ ledger to the citizens’ pockets.

That’s the entire bill in one page. The rest is just details. Ready for introduction today. Ready for passage tomorrow. Because the only thing standing in the way was the question nobody ever asked: “Why are we still letting someone else collect the interest on the loan we already made? This bill answers it.