Vote Smart - Facts For All

OFFICIALS LEGISLATION INTEREST GROUPS PUBLIC STATEMENTS COMMITTEES VETOES

-9999

Floor Speech

By: John Kennedy

Date: Dec. 17, 2025

Location: Washington, DC

BREAK IN TRANSCRIPT

Mr. KENNEDY. Mr. President, I want to talk for a few minutes about money--money, money, money--people's money.

Like the Presiding Officer, I have learned a few things in life. I want to mention two. No. 1, money does not buy happiness. No. 2, poverty does not buy a damned thing, and that is the theme of my few minutes as I talk today.

This is about people's money, and it has to do with unredeemed, uncashed savings bonds.

Now, the Presiding Officer knows what I mean when I talk about a bond. Usually, when we are talking on the Senate floor, we are talking about Treasury bonds or Treasury bills or Treasury notes. I want to talk about a different kind of bond today. It is the same principle but a different animal. It is called a savings bond.

Savings bonds used to be very, very popular in America, particularly in the last century, particularly during World War II. They are less popular today because there are so many other ways to earn interest on your money, although many people still believe in savings bonds. I do. It is a great way to invest your money.

What am I talking about when I say a savings bond as opposed to a Treasury bond? Well, let's take the example of one particular savings bond. It is called an EE U.S. savings bond.

A savings bond is just a loan to the Federal Government. Suppose I have $1,000, and I want to loan it to the Federal Government because the Federal Government will pay me interest. I could go to the Federal Government and say: I am going to loan you $1,000.

The Federal Government would say: Thank you very much. Here is your EE U.S. savings bond.

This is how it would work: The Federal Government would guarantee me that after 20 years, my $1,000 would double. So I would hand them-- ``them'' meaning the government--$1,000, and 20 years from now, I would get back $2,000.

If I didn't really need my money after 20 years, I could let the government keep it--loan it to the government, if you will--for another 10 years, and they would continue paying me interest.

Now, there are two things you need to note about what I just talked about, this EE savings bond.

No. 1, unlike a regular corporate bond, when I loan that $1,000 to the Federal Government and get back an EE U.S. savings bond, I don't get periodic interest payments. The interest accrues and it compounds. When I give the government $1,000, I don't get quarterly interest payments, but at the end of the 20 years, I get back $2,000. Roughly, in today's market, I am making about 2.7 percent a year, but it is very, very safe. If you believe in the sovereignty of the Federal Government--our Federal Government being part of the wealthiest country in all of human history--then it is a pretty safe investment.

The other thing you need to note about the savings bond, in addition to the fact that they don't pay me periodic interest--I get all my interest when I get my principal back at the end of 20 years--is that at some point, as in the example I just gave, after 30 years, the Federal Government stops paying me interest; interest stops accruing. So if I loan the Federal Government $1,000, and after 20 years, interest is accrued, if I want to, I can redeem my savings bond, and they will give me $2,000. Maybe I say ``OK, I will re-up another 10 years and continue to earn interest,'' but 30 years is the limit. After 30 years, if I don't redeem my bond, I am loaning money to the Federal Government interest-free, and that would be a dumb thing to do.

But not everybody redeems their bonds. A lot of people don't--more people than you would imagine. Life comes at us pretty fast. You know, you buy a savings bond or maybe your grandparents or your parents buy you a bond when you are young. You grow up, you get married, you have kids, and you get a job and then you change jobs. You move around the country. A lot of people forget those savings bonds. They still own the savings bonds, but they just forget to redeem them, so the government just has an interest-free loan.

Here is what I am driving at: Right now, over in the U.S. Department of the Treasury, there are 100 million unredeemed savings bonds. It is money that belongs to the American people. It is no longer earning interest. There are 100 million savings bonds. There are only 340 million people in America, so it is a little less than a third of the people in America--although I realize some may be deceased--who have one of these savings bonds, where the Federal Government owes them money, but the money is just sitting there, and the Federal Government is using it, and they are not paying people interest.

The total amount of these unredeemed savings bonds is $36.27 billion.

And that $36 billion has been there a long, long time because people have either died or they have forgotten that they have these unredeemed savings bonds.

Now, this is very uncool.

A few years ago, back in 2023, I introduced a bill which actually passed; I got it passed. It said to the Federal Government, specifically, the U.S. Department of the Treasury: You have got to give this money back. You have got the names of people on these bonds. In many cases, you have the addresses. In a lot of cases, you have the serial numbers.

Why are you just sitting on this $36 billion, these 100 million bonds? Why don't you contact people and give them their money?

And they said: Kennedy, you don't understand. First of all, they said, our records are a mess. Some of these bonds go back--I don't know--75 years before there were computers. The Treasury Department said to me: The records are not digitized. We would have to comb through boxes and boxes and boxes to get names and addresses, and it is just--it is just a lot of trouble.

I said: Well, I feel your pain, but you still ought to return the money to people.

So here is what I am going to do: I am going to introduce a bill--and I did, and I passed it--that says the Federal Government has got to return this money to the people to whom it is owed. In that bill, I provided money for the U.S. Department of the Treasury to digitize those records, to go out and hire a consultant to go through all the records and put them in the database so they can be easily searched.

The U.S. Department of the Treasury has done that. I want to thank them. Hasn't been the easiest thing I have ever done. I worked with Secretary Mnuchin first and then Secretary Yellen and now Secretary Bessent and all of the good women and men who work for them. But we finally have gotten it done.

Here is what we are ready to do. We are ready to turn the names and addresses and serial numbers over to the treasurer of every State--in Louisiana, in West Virginia, and every other State. We are going to give them the names and addresses and serial numbers so they can contact people in their State and say: The Federal Government has your money, and we want to get it back to you.

Why are we doing it that way through the States instead of just telling the U.S. Department of the Treasury to start calling people up? Well, because the States are very experienced.

Every State has what is called an Unclaimed Property Program. What is an Unclaimed Property Program? Well, every State has a law that says if a business--usually, it is a business, not always--but if a business has your money and it can't find you, that business can't keep it.

At the end of a certain period of time--usually 3 to 4 years--that business has got to turn that money over to the State--it is called unclaimed property--and the State has got to help give it back to people.

What am I talking about? Let's say a utility deposit--happens all the time. People move into an apartment. They post a utility deposit with the electricity company. They move. They forget to get their deposit back.

Apartment deposit works the same way. Tax refunds. Stocks. Maybe you own a stock, and it is being held by your brokerage company and you move and you don't leave a forwarding address or the forwarding address expires. That security company can't--that brokerage can't just keep that stock. That brokerage turns that stock over to the State treasurer of every State, and it is their job to return it to people.

Let me tell you something, the States do a marvelous job. You can go to every single State right now--just Google it--and find the State's unclaimed property program, and you can go spend a few minutes. You put in your name. You can put in your parent's name. You can put in your friend's name. You can put in the name of the town in which you were raised and find people who are owed unclaimed property. The treasurers do a great job of getting it back.

They not only have websites, but they advertise--and toll free numbers. They just do a wonderful job of getting money back to people. When I was State treasurer of Louisiana, I was in charge of Louisiana's Unclaimed Property Program, and I was there for 17 years. I think I returned $400, $500 million to the people of Louisiana. I had a whole unclaimed property section, men and women who would contact people all day long, and we had a very sophisticated database.

So that is why the U.S. Department of the Treasury, under my legislation, is not going to give this money back itself. It is going to return--or give the information to the treasurer of every State, and the treasurer of every State is going to be in charge of contacting people.

We have gone through this. We have been working on it. I passed the bill in 2023, I think, but we worked on it for 2 years prior to that. But we are almost home. What now we have to do is get the State treasurers to sign an agreement with the U.S. Department of the Treasury.

All the State treasurers have to do is sign an agreement with the U.S. Department of the Treasury to cooperate. The Treasury will send them the names, and we can start returning this money to people.

I am going to be sending another letter out in short order to all the State treasurers asking them to go ahead and sign that user agreement with the Treasury Department so we can start getting this money back to people.

It is free money. And remember, there are 100 million bonds, 340 million people in America, $36 billion that is owed to the American people that the Federal Government has just been sitting on that hasn't been returned. And now we are going to start doing it, if I can just get our State treasurers to turn in these user agreements. Some of them have but others have not yet. You may not get a check for Christmas, but if you hurry up, you can get a check in January or February so you can pay some bills.

BREAK IN TRANSCRIPT

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SESSION_COOKIE_SECURE	`True`
SESSION_ENGINE	`'django.contrib.sessions.backends.signed_cookies'`
SESSION_EXPIRE_AT_BROWSER_CLOSE	`False`
SESSION_FILE_PATH	`None`
SESSION_SAVE_EVERY_REQUEST	`False`
SESSION_SERIALIZER	`'django.contrib.sessions.serializers.PickleSerializer'`
SETTINGS_MODULE	`'justfacts_project.settings'`
SHORT_DATETIME_FORMAT	`'m/d/Y P'`
SHORT_DATE_FORMAT	`'m/d/Y'`
SIGNING_BACKEND	`'django.core.signing.TimestampSigner'`
SILENCED_SYSTEM_CHECKS	`['models.E007', 'fields.E311', 'fields.E903']`
SIMPLE_JWT	`{'ACCESS_TOKEN_LIFETIME': '******************', 'REFRESH_TOKEN_LIFETIME': '******************'}`
SITE_ID	`1`
SOCIAL_AUTH_BACKEND_ERROR_URL	`'/login'`
SOCIAL_AUTH_RAISE_EXCEPTIONS	`False`
STAFF_PHOTO_PATH	`'images/staff'`
STATICFILES_DIRS	`['/var/www/justfacts/assets']`
STATICFILES_FINDERS	`['django.contrib.staticfiles.finders.FileSystemFinder', 'django.contrib.staticfiles.finders.AppDirectoriesFinder']`
STATICFILES_STORAGE	`'django.contrib.staticfiles.storage.StaticFilesStorage'`
STATIC_ROOT	`'/var/www/justfacts/static/'`
STATIC_URL	`'/static/'`
TEMPLATES	`[{'APP_DIRS': True, 'BACKEND': 'django.template.backends.django.DjangoTemplates', 'DIRS': ['/var/www/justfacts/templates', '/var/www/justfacts/sidebyside/sidebyside_react_app/'], 'OPTIONS': {'context_processors': ['django.template.context_processors.debug', 'django.template.context_processors.request', 'django.contrib.auth.context_processors.auth', 'django.contrib.messages.context_processors.messages']}}]`
TESTING	`False`
TEST_NON_SERIALIZED_APPS	`[]`
TEST_RUNNER	`'django.test.runner.DiscoverRunner'`
THOUSAND_SEPARATOR	`','`
TIME_FORMAT	`'P'`
TIME_INPUT_FORMATS	`['%H:%M:%S', '%H:%M:%S.%f', '%H:%M']`
TIME_ZONE	`'UTC'`
TWITTER_CONSUMER_KEY	`'********************'`
TWITTER_CONSUMER_SECRET	`'********************'`
USE_I18N	`True`
USE_L10N	`True`
USE_THOUSAND_SEPARATOR	`False`
USE_TZ	`False`
USE_X_FORWARDED_HOST	`False`
USE_X_FORWARDED_PORT	`False`
WSGI_APPLICATION	`'justfacts_project.wsgi.application'`
X_FRAME_OPTIONS	`'DENY'`
YEAR_MONTH_FORMAT	`'F Y'`

Signal	Receivers
class_prepared
connection_created	register_type_handlers
got_request_exception
m2m_changed
post_delete
post_init	ImageField.update_dimension_fields, ImageField.update_dimension_fields, ImageField.update_dimension_fields
post_migrate	create_permissions, create_contenttypes, create_default_site
post_save	create_user_profile, TagField._save
pre_delete	clear_site_cache
pre_init
pre_migrate	inject_rename_contenttypes_operations
pre_save	clear_site_cache, set_zip4_userprofile
request_finished	close_old_connections, close_caches, reset_urlconf
request_started	reset_queries, close_old_connections
setting_changed	reset_cache, clear_cache_handlers, update_installed_apps, update_connections_time_zone, clear_routers_cache, reset_template_engines, clear_serializers_cache, language_changed, localize_settings_changed, file_storage_changed, complex_setting_changed, root_urlconf_changed, static_storage_changed, static_finders_changed, auth_password_validators_changed, user_model_swapped, update_toolbar_config, reset_hashers, reload_api_settings, reload_api_settings, uninstall_if_needed, clear_caches, FileSystemStorage._clear_cached_properties, FileSystemStorage._clear_cached_properties, FileSystemStorage._clear_cached_properties, FileSystemStorage._clear_cached_properties, StaticFilesStorage._clear_cached_properties

Path	Location
.DS_Store	/var/www/justfacts/assets/.DS_Store
.well-known/apple-developer-merchantid-domain-association	/var/www/justfacts/assets/.well-known/apple-developer-merchantid-domain-association
pdfs/Mobile_Messaging_Terms_and_conditions.pdf	/var/www/justfacts/assets/pdfs/Mobile_Messaging_Terms_and_conditions.pdf
pdfs/CNIP-signed-bylaws-2023.pdf	/var/www/justfacts/assets/pdfs/CNIP-signed-bylaws-2023.pdf
pdfs/PolicyforFundraisingandGiftAcceptance_1.3_Edition.pdf	/var/www/justfacts/assets/pdfs/PolicyforFundraisingandGiftAcceptance_1.3_Edition.pdf
pdfs/CNIP2018.pdf	/var/www/justfacts/assets/pdfs/CNIP2018.pdf
pdfs/CNIP2019.pdf	/var/www/justfacts/assets/pdfs/CNIP2019.pdf
pdfs/2021/162017-Vote Smart-Brochure-Proof.pdf	/var/www/justfacts/assets/pdfs/2021/162017-Vote Smart-Brochure-Proof.pdf
pdfs/2021/990-2021.pdf	/var/www/justfacts/assets/pdfs/2021/990-2021.pdf
pdfs/2020/CNIP2020.pdf	/var/www/justfacts/assets/pdfs/2020/CNIP2020.pdf
pdfs/2020/Vote-Smart-FY21-Audit-Report-Final-Signed.pdf	/var/www/justfacts/assets/pdfs/2020/Vote-Smart-FY21-Audit-Report-Final-Signed.pdf
pdfs/2020/VoteSmartbrochure.pdf	/var/www/justfacts/assets/pdfs/2020/VoteSmartbrochure.pdf
pdfs/forcandidates/2023_states/2023_New_Jersey_State_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/2023_states/2023_New_Jersey_State_PCT.pdf
pdfs/forcandidates/2023_states/2023_Mississippi_State_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/2023_states/2023_Mississippi_State_PCT.pdf
pdfs/forcandidates/2023_states/2023_Virginia_State_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/2023_states/2023_Virginia_State_PCT.pdf
pdfs/forcandidates/2023_states/2023_Kentucky_State_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/2023_states/2023_Kentucky_State_PCT.pdf
pdfs/forcandidates/2023_states/2023_Louisiana_State_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/2023_states/2023_Louisiana_State_PCT.pdf
pdfs/forcandidates/states/2022_MS_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MS_PCT.pdf
pdfs/forcandidates/states/2022_IN_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_IN_PCT.pdf
pdfs/forcandidates/states/2022_AL_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_AL_PCT.pdf
pdfs/forcandidates/states/2022_WY_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_WY_PCT.pdf
pdfs/forcandidates/states/2022_NY_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_NY_PCT.pdf
pdfs/forcandidates/states/2022_NJ_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_NJ_PCT.pdf
pdfs/forcandidates/states/2022_SC_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_SC_PCT.pdf
pdfs/forcandidates/states/2022_MA_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MA_PCT.pdf
pdfs/forcandidates/states/2022_NM_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_NM_PCT.pdf
pdfs/forcandidates/states/2022_NB_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_NB_PCT.pdf
pdfs/forcandidates/states/2022_MD_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MD_PCT.pdf
pdfs/forcandidates/states/2022_MO_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MO_PCT.pdf
pdfs/forcandidates/states/2022_MINN_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MINN_PCT.pdf
pdfs/forcandidates/states/2022_AZ_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_AZ_PCT.pdf
pdfs/forcandidates/states/2022_PA_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_PA_PCT.pdf
pdfs/forcandidates/states/2022_OK_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_OK_PCT.pdf
pdfs/forcandidates/states/2022_OH_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_OH_PCT.pdf
pdfs/forcandidates/states/2022_NV_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_NV_PCT.pdf
pdfs/forcandidates/states/2022_WA_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_WA_PCT.pdf
pdfs/forcandidates/states/2022_FL_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_FL_PCT.pdf
pdfs/forcandidates/states/2022_MI_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_MI_PCT.pdf
pdfs/forcandidates/states/2022_CO_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_CO_PCT.pdf
pdfs/forcandidates/states/2022_OR_PCT.pdf	/var/www/justfacts/assets/pdfs/forcandidates/states/2022_OR_PCT.pdf

Path	Location
admin/img/icon-no.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-no.svg
admin/img/README.txt	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/README.txt
admin/img/icon-yes.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-yes.svg
admin/img/inline-delete.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/inline-delete.svg
admin/img/selector-icons.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/selector-icons.svg
admin/img/icon-calendar.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-calendar.svg
admin/img/search.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/search.svg
admin/img/LICENSE	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/LICENSE
admin/img/icon-unknown.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-unknown.svg
admin/img/icon-viewlink.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-viewlink.svg
admin/img/icon-changelink.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-changelink.svg
admin/img/calendar-icons.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/calendar-icons.svg
admin/img/icon-alert.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-alert.svg
admin/img/icon-unknown-alt.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-unknown-alt.svg
admin/img/tooltag-add.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/tooltag-add.svg
admin/img/icon-addlink.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-addlink.svg
admin/img/sorting-icons.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/sorting-icons.svg
admin/img/icon-clock.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-clock.svg
admin/img/icon-deletelink.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/icon-deletelink.svg
admin/img/tooltag-arrowright.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/tooltag-arrowright.svg
admin/img/gis/move_vertex_off.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/gis/move_vertex_off.svg
admin/img/gis/move_vertex_on.svg	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/img/gis/move_vertex_on.svg
admin/fonts/README.txt	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/fonts/README.txt
admin/fonts/LICENSE.txt	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/fonts/LICENSE.txt
admin/fonts/Roboto-Regular-webfont.woff	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/fonts/Roboto-Regular-webfont.woff
admin/fonts/Roboto-Light-webfont.woff	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/fonts/Roboto-Light-webfont.woff
admin/fonts/Roboto-Bold-webfont.woff	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/fonts/Roboto-Bold-webfont.woff
admin/js/SelectFilter2.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/SelectFilter2.js
admin/js/nav_sidebar.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/nav_sidebar.js
admin/js/core.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/core.js
admin/js/popup_response.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/popup_response.js
admin/js/collapse.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/collapse.js
admin/js/autocomplete.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/autocomplete.js
admin/js/change_form.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/change_form.js
admin/js/jquery.init.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/jquery.init.js
admin/js/calendar.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/calendar.js
admin/js/urlify.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/urlify.js
admin/js/cancel.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/cancel.js
admin/js/prepopulate_init.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/prepopulate_init.js
admin/js/actions.js	/usr/local/lib/python3.12/dist-packages/django/contrib/admin/static/admin/js/actions.js