Restore Trust in Congress Act

This bill prohibits Members of Congress, their spouses, and dependent children from owning or trading certain investments, including stocks, commodities, and derivatives (referred to as "covered investments"). It requires affected individuals to divest these investments within 90-180 days, with specific exemptions for Treasury bonds, diversified mutual funds, small business interests, and family trusts meeting strict conditions. Violations incur penalties of 10% of the investment's value plus disgorgement of profits, paid directly to the U.S. Treasury. The law applies to all covered individuals during federal service, with exceptions for investments acquired through inheritance or occupational trading (e.g., a spouse’s finance job).