Commonsense Legislating Act

HR185 — Responsible Legislating Act

Modernizes and expands retirement savings rules while adding protections for federal employees injured on duty and improving veteran access to registered apprenticeship programs. It bundles automatic enrollment, saver-credit and catch-up changes, IRA and 403(b) updates, and other technical retirement fixes across many titles. - Adds apprenticeship programs to pre-separation education and directs the Department of Labor, working with the VA, to create a public, searchable site showing program descriptions, veteran costs, contact details, veteran endorsements, hiring preferences, and certifications. - Creates a cross-system framework that treats certain post-injury supervisory or administrative service as creditable service for annuity calculations and urges agencies to reappoint injured employees when feasible; allows a 3-day break in service and applies to qualifying injuries occurring on or after 2 years from enactment. - Requires automatic enrollment for many 401(k) and 403(b) plans with default contributions starting at 3% and escalating by 1 percentage point each year until at least 10%, plus a range of other saver-friendly changes such as higher catch-up limits and updates to RMD and IRA rules.

HR2038 — American Housing and Economic Mobility Act of 2025

A multi-title bill that centers on expanding affordable housing through major federal funding while strengthening tenant protections and tightening mortgage and bank rules. It boosts construction and preservation programs and forces stronger loss-mitigation and resale rules in the mortgage market. - Families and first-time homebuyers get direct help through a new Down Payment Assistance Fund offering grants up to 3.5% of value and targeted appraisal-gap and negative-equity grants with $5.0 billion authorized for FY2025. These programs target buyers up to 120% of area median income and higher in some high-cost areas. - Renters and tenants gain more legal protections and eviction safeguards as Local Housing Innovation Grants fund access to counsel, just-cause eviction rules, eviction-mitigation measures, and other tenant protections. Local grants are funded at $2.0 billion per year for FY2025–FY2029. - Borrowers facing non-performing or REO sales face stronger loss-mitigation and notice rules. At least 75% of FHA single-family REO sales and 90% of foreclosed properties are directed to owner-occupants or community partners or preserved as affordable for 15 years. - Lenders, servicers, and secondary-market enterprises face new certification, reporting, and liability rules. False certifications can trigger recovery, private suits, and transfer revocations. Enterprises must publish loss-mitigation formulas and FHFA will regulate bulk and non-performing loan sales. - Banks and nonbank mortgage originators face a reworked Community Reinvestment Act with broader evaluation, new data-collection and public reporting requirements, climate-related adjustments, and possible penalties for sustained poor ratings. The bill authorizes large new federal spending including HTF $48.0 billion per year (FY2025–FY2034), CMF $3.0 billion per year (FY2025–FY2034), a $70.0 billion Public Housing Capital Fund for FY2025, MCHEF $4.0 billion for FY2025, Local Housing Innovation Grants $2.0 billion per year (FY2025–FY2029), and other specified appropriations, thereby increasing federal outlays.

HR3971 — Domestic Workers Bill of Rights Act

Extending workplace rights to domestic workers. The bill would set enforceable labor standards for household workers, add overtime and live‑in protections, require written agreements, create a Domestic Employee Standards Board, and push Medicaid rules to cover home care workers.

HR5356 — National Infrastructure Bank Act of 2025

Creates a National Infrastructure Bank to mobilize public and private capital for long‑term projects across transportation, energy, water, broadband, and affordable housing. The bank would use loans, preferred stock, and bonds with a Treasury backstop to finance multiregion projects and subsidize work in disadvantaged communities.

HR3069 — Medicare for All Act

This bill would create a national health insurance program called "Medicare for All" to provide universal, comprehensive health coverage for every U.S. resident. It sets the benefit package, bans cost‑sharing for covered care, negotiates drug and device prices, and phases existing federal coverage into the new system during a multi‑year transition. - Families and children: Covers maternity care, pediatric services, mental health, prescription drugs, dental, vision, and more with no out‑of‑pocket costs for covered items. Children under 19 become eligible one year after enactment. - Older adults and people with disabilities: Establishes an entitlement to medically necessary long‑term services and supports in home and community settings, prioritizes independence and supports activities of daily living, and removes the 24‑month Medicare waiting period for people with disabilities. - Providers and the health system: Creates regional offices, pays institutional providers with negotiated quarterly global budgets and individual clinicians via a national fee schedule, restricts private contracting for covered services for two years, and gives the Secretary authority to negotiate prices and, if needed, license manufacture of drugs.

HR7007 — Governing for the People Act

A multi-title federal package that would combine tax breaks, veterans fraud penalties, disaster recovery funding, AI literacy grants, health coverage mandates, oversight rules, and targeted FY2027 appropriations. It pulls many changes into one bill so lawmakers can act on film tax incentives, veterans protections, wildfire remediation, AI education, national security reporting, and guaranteed lung cancer screening coverage in the same law. - Adults 50 to 80 at increased risk for lung cancer would get an annual low-dose CT screening covered with no cost-sharing and fewer prior-authorization or step-therapy barriers, with implementing rules due in 180 days. - People who scheme to defraud veterans' benefits would face new criminal penalties including fines and up to 5 years in prison, and the bill clarifies who counts as a veteran and what counts as veterans' benefits. - Film and television producers would see the Section 181 production deduction extended through December 31, 2030, with the base cap raised to $30 million and the higher area-based cap to $40 million and cost-of-living adjustments after 2026.