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NEGATIVE Justice & Civil Liberties 119th Congress

H.R.6260 Keeping Violent Offenders Off Our Streets Act — Subjects Charitable Bail Funds to Insurance Regulation

Treats organizations that post bail for defendants — including charitable bail funds — as insurance businesses under federal law, subjecting them to federal insurance-fraud prosecution and state insurance-commission regulation (119th Congress)

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Extends federal criminal-fraud jurisdiction under 18 U.S.C. § 1033 to bail-bond posting and triggers state insurance-commission licensing under McCarran-Ferguson, creating regulatory and criminal-prosecution exposure for third-party bail providers including charitable bail funds. Pretrial detention conditioned on ability to pay implicates the Eighth Amendment's Excessive Bail Clause and Fourteenth Amendment equal-protection precedent (Bearden v. Georgia, 461 U.S. 660 (1983)).