The American Family Cost-of-Living Relief Act of 2026 requires federal agencies to analyze how their new regulations would affect household costs before implementing them. When proposing a new rule, agencies must prepare a detailed analysis showing whether the rule would substantially increase household costs, define what those increases are, and suggest alternative rules that would minimize financial impacts on families. The bill defines "substantially increase" as any cost rise of $50 or more per year and covers essential expenses like housing, utilities, food, healthcare, transportation, and childcare. Agencies are generally prohibited from finalizing rules that substantially increase household costs unless the rule is required by law or addresses national security threats or emergencies, in which case the rule can only remain in effect for one year. Additionally, the Office of Management and Budget must annually review major federal rules and report on those that have increased household costs, with recommendations for amendments or legislative action.
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