This bill amends title 5, United States Code, to establish new restrictions on financial transactions for Members of Congress and their spouses. Its primary purpose is to prohibit them from holding, purchasing, or selling specific financial instruments, such as individual stocks, security futures, and commodities, throughout the Member's term of service. This measure aims to prevent potential conflicts of interest and enhance public trust in legislative decision-making. The legislation defines "covered financial instruments" broadly to include securities and derivatives, but explicitly excludes diversified mutual funds, diversified exchange-traded funds, investments in the Thrift Savings Plan, and U.S. Treasury bills, notes, or bonds. While existing holdings from before a Member's term are permitted, new purchases or sales are generally forbidden, with a key exception for assets managed within a qualified blind trust . Any Member found in violation of these prohibitions could face a civil fine, and these new rules are slated to take effect on the first day of the One Hundred Twentieth Congress.