American Family Cost-of-Living Relief Act of 2026

Key Points

• Federal agencies would be required to prepare a "household cost impact analysis" before publishing any proposed or final rule. This analysis must estimate whether the rule would substantially increase household costs, describe how it would affect families at different income levels, and list categories of goods or services affected.
• If an agency determines a rule would raise household costs by $50 or more per year, the agency generally cannot finalize that rule. The definition of household costs is very broad, covering housing, utilities, transportation, food, healthcare, childcare, education, household products, and taxes or fees.
• Exceptions exist for rules required by law, or rules needed to address national security threats or presidentially declared disasters. However, emergency rules issued under these exceptions can only remain in effect for one year unless Congress passes a law authorizing them.
• Any household that is "adversely affected or aggrieved" by a final agency action would be able to sue the agency in court for failing to comply with the cost analysis requirements. This creates a new legal right for ordinary people to challenge regulations.
• The Office of Management and Budget would be required to publish an annual report identifying major rules that have substantially increased household costs, along with recommendations to amend or repeal those rules or suggestions for legislative action.

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