← All profiles
Profile

Immigrant or mixed-status family

Green-card holders, refugees, asylees, TPS or DACA recipients, or U.S.-citizen kids with an immigrant parent.

The law removes many lawfully present immigrants, including refugees and people granted asylum, from Medicaid, SNAP, Medicare and marketplace subsidies. It adds immigration fees that run from hundreds to thousands of dollars and puts a 1% tax on cash sent home. It also takes the Child Tax Credit away from U.S.-citizen children if the parent filing lacks a Social Security number.

Refine your answer: what else is true for you?

Tap anything that applies. Each one can change the answer. Your choices stay in this page's address and nowhere else.

Health coverage
Family
Work
Home and money
Status
Is Trump's second term good for you?
NO!
Because of 8 major provisions.
  • Households at your income come out about βˆ’$2,411 a year behind by 2033, before counting the items below.
  • Lawfully present immigrants like you lose marketplace subsidies in 2027.
  • Some lawfully present immigrants lose Medicare in 2027.
  • ICE arrests are running at six times the pre-2025 pace and most people detained have no criminal conviction.
  • Protected status ended for about a million people from Venezuela, Haiti, Honduras and elsewhere.

And 4 more major hits below.

Estimated net change for a household like yours
βˆ’$861
a year in 2027
βˆ’$2,411
a year by 2033, as the benefit cuts phase in
How this adds up
Component202720302033
One Big Beautiful Bill, tax cuts net of benefit cuts, average for the second fifth by income (Penn Wharton) β†—+$30βˆ’$1,090βˆ’$1,520
Tariffs, second fifth (Tax Foundation, 2026 level) β†—βˆ’$199βˆ’$199βˆ’$199
Higher energy bills from the clean-power cutbacks (modeled, by 2030) β†—βˆ’$150βˆ’$150βˆ’$150
Gasoline at this year's prices, 500 gallons a year β†—βˆ’$542βˆ’$542βˆ’$542
Totalβˆ’$861βˆ’$1,981βˆ’$2,411

These are averages for your income group from published models, not a forecast for your household. The first line already nets the law\'s tax cuts against its Medicaid and SNAP cuts for the average household in the group, so if you use neither program your figure is better than shown, and if you rely on them it is worse. Tariff and energy figures are held at their 2026 and 2030 levels.

Estimated at a typical income for this profile ($45,000). Set your own income on the front page for a closer figure.

17 items hit you directly
8 major
15 already in effect

How it hits you directly

Sorted by how much it can cost you. Open any item for details, the primary record and the sources behind it.

Major 🌎 Immigrants & families Law Coming January 1, 2027

Many lawfully present immigrants lose marketplace subsidies

Show what changed and how it hits you
What changed

Premium tax credits are limited to green-card holders, Cuban and Haitian entrants, and COFA citizens. Refugees, asylees, TPS holders and other lawfully present immigrants lose them, and lawfully present immigrants below the poverty line who are barred from Medicaid because of the 5-year wait lose the credit that used to fill that gap.

How it hurts you

Full-price marketplace premiums are out of reach for most of the people affected, so they become uninsured.

What you can do
  • Check whether your state runs its own marketplace with state-funded help (a few do).
In the record
One Big Beautiful Bill Act, Sec. 71301

Permitting premium tax credit only for certain individuals (and Sec. 71302)

Passed by Congress and signed. Opens the enacted text at that section.

Major 🌎 Immigrants & families Law Coming About January 2027 (18 months after enactment)

Some lawfully present immigrants lose Medicare

Show what changed and how it hits you
What changed

Medicare eligibility is restricted to citizens, green-card holders, Cuban and Haitian entrants, and COFA citizens. Others who paid into Medicare through payroll taxes, including refugees and asylees, are removed after an 18-month transition.

How it hurts you

People who worked and paid Medicare taxes for years lose the coverage they paid for, at the age when they need it most.

What you can do
  • If you are affected and eligible to naturalize or adjust status, start now; the transition period is short.
In the record
One Big Beautiful Bill Act, Sec. 71201

Limiting Medicare coverage of certain individuals

Passed by Congress and signed. Opens the enacted text at that section.

Major 🌎 Immigrants & families Agency action In effect Since January 2025; monthly records in summer 2026

ICE arrests run at six times the pre-2025 pace; most detainees have no conviction

50,925
ICE arrests in August 2026 (DHS)
70.6%
of detainees with no criminal conviction (TRAC)
71,937
record average daily detention, January 2026
Show what changed and how it hits you
What changed

ICE's own data show book-ins from its arrests rising from about 8,600 a month in late 2024 to 39,563 in June 2026, and the department reported a record 50,925 arrests in August 2026. Detention averaged a record 71,937 people in January 2026, up from 40,203 the month the term began, in new sites including a tent camp at Fort Bliss. Local police in 39 states now hold 2,466 agreements to enforce immigration law during ordinary stops, up from 135.

How it hurts you

On July 11, 2026, 70.6% of the 65,765 people in ICE detention had no criminal conviction. ICE reports 24 deaths in custody in fiscal 2025 and 23 in fiscal 2026 through August; an El Paso medical examiner ruled one Fort Bliss death a homicide. Courts have ruled against the new tactics repeatedly: expedited removal without a hearing for anyone in the country under two years was blocked in August 2025, and the Supreme Court held that Venezuelans sent to a Salvadoran prison under the Alien Enemies Act were entitled to notice and a hearing.

What you can do
  • Know-your-rights cards from the National Immigration Law Center are free; you do not have to open the door without a judicial warrant.
In the record
ICE interior-enforcement surge, funded by the One Big Beautiful Bill and the June 2026 Secure America Act

ICE's own detention statistics; about 12,000 new officers hired with $50,000 signing bonuses

Done by a federal department. Opens the primary source.

Sources
Major 🌎 Immigrants & families Court ruling In effect Venezuela from April 2025; Haiti July 27, 2026; Supreme Court ruling June 25, 2026

Every Temporary Protected Status up for renewal was ended; the Supreme Court barred review

352,959
Haitian TPS holders (DHS)
532,000
parolees whose status was revoked
6–3
Supreme Court vote
Show what changed and how it hits you
What changed

The department ended protected status for roughly 600,000 Venezuelans, about 353,000 Haitians, 72,000 Hondurans, and holders from Afghanistan, Nepal, Nicaragua, Syria, Burma, Ethiopia, Somalia and Yemen. The Supreme Court's own summary notes the administration "has terminated every TPS designation that has come up for renewal." Only El Salvador, Lebanon, Sudan and Ukraine remain. Separately, the parole program for 532,000 Cubans, Haitians, Nicaraguans and Venezuelans was ended with the Court's permission in May 2025.

How it hurts you

People who have lived and worked here legally for ten to twenty-five years, many with citizen children, lost work permits and protection from deportation. The first deportation flight of former Haitian TPS holders left on August 21, 2026. Employers in Florida and Texas lost a large legal workforce.

What you can do
  • Anyone with a pending asylum or family petition should consult a lawyer before status lapses; the timing determines what remains available.
In the record
Mullin v. Doe (Supreme Court, June 25, 2026)

A 6–3 ruling held that courts cannot review TPS terminations except on constitutional grounds

Decided by a federal court. Opens the primary source.

Sources
Major 🌎 Immigrants & families Law In effect In effect (USDA guidance November 2025)

Refugees, asylees and other lawfully present immigrants lose SNAP

Show what changed and how it hits you
What changed

SNAP eligibility is limited to citizens, green-card holders, Cuban and Haitian entrants, and COFA citizens. Refugees, asylees, trafficking survivors and others who were eligible lose benefits.

How it hurts you

USDA estimated 60,000 to 125,000 people affected, many of them families with U.S.-citizen children whose household benefit shrinks when a parent is removed from the case.

What you can do
  • Citizen children remain eligible; make sure they stay on the case even if a parent is removed.
In the record
One Big Beautiful Bill Act, Sec. 10108

Alien SNAP eligibility

Passed by Congress and signed. Opens the enacted text at that section.

Sources
Major 🌎 Immigrants & families Law In effect In effect since July 2025

New, mostly non-waivable fees to apply for asylum, work permits, TPS and parole

$100 + $100/yr
to apply for asylum and keep it pending
$550
initial work permit
Show what changed and how it hits you
What changed

Applying for asylum, which used to be free, now costs $100 to file plus $100 a year while the case is pending. Work permits cost $550 initially and $275 to renew, Temporary Protected Status $500, humanitarian parole $1,000, and there are new fees for adjustment of status, appeals and more. Most cannot be waived for inability to pay, and most rise with inflation.

How it hurts you

Asylum cases routinely take four or more years, so a family of four can owe thousands of dollars just to keep their cases alive and stay legally employed. People who cannot pay lose work authorization and, with it, the ability to support themselves lawfully.

What you can do
  • Nonprofit legal-aid providers can sometimes cover fees; the American Immigration Lawyers Association keeps a fee flyer with current amounts.
In the record
One Big Beautiful Bill Act, Sec. 100002

Asylum fee (and Secs. 100003–100016)

Passed by Congress and signed. Opens the enacted text at that section.

Sources
Major 🌎 Immigrants & families Law In effect October 1, 2026

Refugees, asylees and other lawfully present immigrants lose Medicaid

Show what changed and how it hits you
What changed

Federal Medicaid is limited to green-card holders (after the existing 5-year wait), Cuban and Haitian entrants, and citizens of the Compact of Free Association nations. Refugees, people granted asylum, trafficking and domestic-violence survivors, and others who are here legally and were previously eligible are cut off. Federal funding for emergency Medicaid for some immigrants also drops.

How it hurts you

People admitted to the United States because they fled persecution lose health coverage, including pregnant women and children in some states. Hospitals still treat emergencies and absorb more unpaid bills.

What you can do
  • Check with a legal-aid or refugee resettlement organization about state-funded coverage; some states cover children and pregnant women with their own money.
In the record
One Big Beautiful Bill Act, Sec. 71109

Alien Medicaid eligibility (and Sec. 71110, Expansion FMAP for emergency Medicaid)

Passed by Congress and signed. Opens the enacted text at that section.

Major 🌎 Immigrants & families Law In effect Tax year 2025 (returns filed spring 2026)

Child Tax Credit taken from about 2.6 million children, most of them U.S. citizens

~2.6M
children losing the credit (CBPP)
$2,200
per child per year
Show what changed and how it hits you
What changed

The credit rises to $2,200 and is indexed, but the parent claiming it (and the spouse, on a joint return) must have a Social Security number. Children have needed one since 2018; now a citizen child whose parent files with an ITIN gets nothing.

How it hurts you

The Center on Budget and Policy Priorities estimates about 2.6 million children with Social Security numbers lose the credit, up to $2,200 per child per year, because of a parent's status. Separately, about 19 million children in low-earning families still receive less than the full credit because it phases in with earnings.

What you can do
  • Mixed-status couples should check whether filing separately preserves the credit for the spouse with an SSN.
In the record
One Big Beautiful Bill Act, Sec. 70104

Extension and enhancement of increased child tax credit

Passed by Congress and signed. Opens the enacted text at that section.

Sources
Significant 🌎 Immigrants & families Executive order In effect Suspended January 20, 2025; fiscal 2026 ceiling of 7,500 raised to 17,500 in May 2026

Refugee admissions suspended, then reopened almost only to white South Africans

17,500
2026 ceiling, from 125,000
12,904
arrivals through August 2026, almost all South African
Show what changed and how it hits you
What changed

The refugee program was suspended on the first day of the term. State Department data show 12,904 arrivals in fiscal 2026 through August, essentially all South African. Afghans who worked with U.S. forces lost protected status in July 2025, Afghanistan is a full travel-ban country, and advocates count one special immigrant visa issued to an Afghan in the first nine months of 2026.

How it hurts you

Refugees already approved, with relatives in the United States, remain stranded. Veterans who sponsored their interpreters are the Americans most directly affected. A separate order to re-interview more than 200,000 refugees admitted between 2021 and 2025 remains in force.

In the record
Executive Order 14163 and Presidential Determinations 2025-13 and 2026-14

The 2026 ceiling was "primarily allocated among Afrikaners from South Africa"; the prior year's ceiling was 125,000

Signed by the President. Opens the primary source.

Sources
Significant 🌎 Immigrants & families Law In effect Laken Riley Act January 29, 2025; Secure America Act June 10, 2026

Mandatory detention on arrest, and $70 billion more for ICE and Border Patrol

17,500+
detained under the Laken Riley Act in 2025 (DHS)
$69.5B
Secure America Act, through 2029
Show what changed and how it hits you
What changed

The Laken Riley Act requires no-bond detention of any non-citizen, including lawful residents, who is charged with or admits burglary, theft, shoplifting or assault on an officer, and lets state attorneys general sue the department over detention decisions. The department told Fox News more than 17,500 people were detained under it in 2025. The Secure America Act, passed 52–47 and 214–212 after Democrats refused enforcement money in regular appropriations, adds about $70 billion on top of the $170 billion in the One Big Beautiful Bill.

How it hurts you

Detention follows an arrest, not a conviction, so a dismissed shoplifting charge can still mean months in custody. The enforcement money is deficit-financed and funds the arrest surge listed above.

In the record
Laken Riley Act, Public Law 119-1, and the Secure America Act, Public Law 119-98

The June 2026 law is five pages and contains only enforcement funding: about $38.5 billion for ICE and $26 billion for Customs and Border Protection through 2029

Passed by Congress and signed. Opens the primary source.

Sources
Significant 🌎 Immigrants & families Law In effect In effect; a June 2026 follow-on law added about $70 billion more

$170 billion for immigration enforcement and detention

Show what changed and how it hits you
What changed

About $45 billion for detention beds, roughly $30 billion for ICE operations and hiring, and $46.5 billion for the border wall, making ICE the best-funded federal law-enforcement agency by a wide margin. The detention money includes families with children.

How it hurts you

For mixed-status families, this is the money behind workplace and neighborhood arrests, and detention of relatives with no criminal record. For everyone else it is a larger share of the budget than the FBI, DEA, ATF and Marshals combined, spent on a permanent detention system.

What you can do
  • Know-your-rights resources from the National Immigration Law Center and the ACLU are free and in many languages.
In the record
One Big Beautiful Bill Act, Sec. 90003

Detention capacity (and Secs. 90001–90007, 100050 onward)

Passed by Congress and signed. Opens the enacted text at that section.

Significant 🌎 Immigrants & families Agency action In effect Work-permit change October 2025; citizenship test October 2025; public-charge rule September 18, 2026

Public-charge test broadened; automatic work-permit extensions ended; harder citizenship test

Sept 18, 2026
public-charge rule takes effect
20 / 12
citizenship test questions asked / needed to pass
Show what changed and how it hits you
What changed

Green-card applications filed from September 18, 2026 face a broader review of benefit use. The automatic extension of up to 540 days for timely work-permit renewals was eliminated for most categories, so workers lose the right to work the day a card expires and employers must let them go until the renewal is decided. The citizenship test doubled to 20 questions with 12 to pass, and officers now weigh "anti-American" activity and social media.

How it hurts you

The 2019 version of the public-charge rule produced measurable disenrollment from Medicaid and food assistance among citizen children in mixed-status families. Spouses of skilled-visa holders and asylum applicants with pending renewals are the workers most exposed to gaps.

What you can do
  • File work-permit renewals as early as the rules allow, 180 days before expiry.
In the record
DHS public-charge final rule; interim rule removing automatic EAD extensions; 2025 naturalization test

The 2022 rule limited the test to cash aid and long-term institutional care; the new rule "restores broader discretion"

Done by a federal department. Opens the primary source.

Sources
Significant 🌎 Immigrants & families Executive order In effect Ban from June 2025, expanded January 1, 2026; the 75-country visa freeze ran January to August 2026

Travel ban on 39 countries; immigrant visas frozen for 75 countries until a court stopped it

39
countries under the ban
75
countries whose immigrant visas were frozen for seven months
Show what changed and how it hits you
What changed

Entry from Afghanistan, Haiti, Iran, Somalia, Yemen and fourteen other countries is fully suspended, with partial restrictions on twenty more including Nigeria and Venezuela. Citing public-charge concerns, the State Department also stopped processing immigrant visas for nationals of 75 countries in January 2026; a judge found that unlawful in August, after which the department cancelled immigrant-visa appointments worldwide for "training."

How it hurts you

U.S. citizens with spouses, parents or children in the affected countries cannot bring them. Hospitals that depend on foreign-trained residents received an exemption only in May 2026.

In the record
Proclamations 10949 and 10998

Full suspension for 19 countries and partial for 20 more; no court has blocked the ban. The separate State Department visa freeze was vacated on August 21, 2026

Signed by the President. Opens the primary source.

Significant 🌎 Immigrants & families Agency action In effect July 2025; limited by a court in 22 states since December 2025

Medicaid enrollee data handed to ICE

22
states where sharing is limited by court
14%
of immigrant adults avoiding care (KFF)
Show what changed and how it hits you
What changed

CMS agreed to give ICE names, addresses, Social Security numbers, birth dates and immigration status of Medicaid enrollees. Twenty states sued. The court allowed sharing of immigration status, address, phone, date of birth and Medicaid ID for people not lawfully present in the plaintiff states. In March 2026 the states told the court ICE appeared to have pulled data beyond the order.

How it hurts you

Medicaid covers many households where a parent is undocumented and the children are citizens. KFF found 14% of immigrant adults, and nearly half of those likely undocumented, had avoided medical care since January 2025. Emergency Medicaid and children's coverage remain lawful, but fear reduces prenatal care and enrollment of eligible children.

What you can do
  • Children who are citizens remain eligible for Medicaid and CHIP regardless of a parent's status.
In the record
CMS and ICE information-exchange agreement

A December 29, 2025 ruling limits sharing to five data fields for people not lawfully present in the 22 plaintiff states; other states have no limits

Done by a federal department. Opens the primary source.

Significant 🩹 Marketplace insurance (ACA) Agency action In effect Partly in effect; core provisions stayed August 2025 and vacated June 12, 2026

Marketplace rule: shorter sign-up window, a $5 auto-renewal charge, DACA recipients cut off

725k–1.8M
projected enrollment loss (CMS)
~10,000
DACA enrollees dropped
Show what changed and how it hits you
What changed

The rule ended the monthly enrollment window for people under 150% of poverty, removed DACA recipients from coverage, charged $5 a month to $0-premium enrollees who did not actively re-enroll, added income checks, let insurers refuse people with past-due premiums, and shortened open enrollment. A judge stayed the fee, the paperwork and the past-due denials in August 2025 and vacated them in June 2026; the court also kept open enrollment at November 1 to January 15.

How it hurts you

Still in effect: the DACA exclusion, which cost about 10,000 people coverage, and the loss of the low-income monthly window. Blocked: the $5 charge, the extra verification, the one-year reconciliation limit and the shorter window. The agency's own estimate of the rule's effect was up to 1.8 million fewer enrollees.

What you can do
  • Open enrollment for 2027 still runs November 1, 2026 to January 15, 2027.
In the record
CMS "Marketplace Integrity and Affordability" final rule

CMS projected 725,000 to 1.8 million fewer enrollees; a federal court in City of Columbus v. Kennedy struck eight provisions

Done by a federal department. Opens the primary source.

Sources
Show 2 smaller items
Smaller πŸŽ“ College & student loans Executive order In effect Rule published October 31, 2025

Public Service Loan Forgiveness can now exclude employers the department disapproves of

10 years
of qualifying payments required
Show what changed and how it hits you
What changed

The rule creates a process for the Education Department to declare a nonprofit or government employer ineligible for the forgiveness program. Borrowers keep credit for months already worked before a determination, and employers can regain eligibility.

How it hurts you

Nurses, social workers, lawyers and others at organizations the department targets, such as immigrant-aid groups or clinics providing gender-affirming care, could stop accruing qualifying months toward the ten years the program requires. Lawsuits by cities and nonprofits were filed; their outcome is not settled.

What you can do
  • Certify your employment annually so months already worked are locked in.
In the record
Executive Order 14235 and the October 2025 PSLF rule

Lets the department declare employers with a "substantial illegal purpose" ineligible; the order names aiding illegal immigration and gender-affirming care for minors among the examples

Signed by the President. Opens the primary source.

Smaller 🌎 Immigrants & families Law In effect Transfers after December 31, 2025

1% tax on cash sent to family abroad

Show what changed and how it hits you
What changed

A 1% excise tax on remittances funded with cash, money orders or cashier's checks. Transfers funded from a U.S. bank account or debit or credit card are exempt.

How it hurts you

The exemption means the tax falls on people without bank accounts, who are disproportionately low-income workers sending money to family. It works out to $10 on every $1,000 sent home.

What you can do
  • Sending from a bank account or debit card avoids the tax entirely; credit unions and some fintech apps offer low-fee options.
In the record
One Big Beautiful Bill Act, Sec. 70604

Excise tax on certain remittance transfers

Passed by Congress and signed. Opens the enacted text at that section.

And what it does to everyone

Not aimed at your situation in particular, but you pay for it too.

Major 🧾 Taxes, debt & interest rates Law In effect Ongoing; averaged over 2026–2034

The poorest tenth of households come out behind; the richest tenth come out ahead

βˆ’$1,200
per year, lowest-income tenth (CBO)
+$13,600
per year, highest-income tenth (CBO)
Show what changed and how it hits you
What changed

The Congressional Budget Office added up the tax cuts and the benefit cuts for every income group. Households in the lowest tenth lose about $1,200 a year, 3.1% of their income, mainly from Medicaid and SNAP. Households in the highest tenth gain about $13,600 a year. Yale's Budget Lab and the Penn Wharton Budget Model reached the same shape.

How it hurts you

If your household earns under about $25,000, the law on average takes more from you in benefits than it gives you in tax cuts. The tax cuts you do get, such as the larger standard deduction, are worth less to you than to a higher earner because you owe less tax to begin with.

In the record
One Big Beautiful Bill Act (whole law)

Whole law: CBO distributional analysis of Public Law 119-21

Passed by Congress and signed. Opens the primary source.

Sources
Major 🏘️ Hospitals, clinics & consumers Law In effect Fund runs fiscal years 2026–2030; Medicaid cuts phase in through 2032

Rural hospitals lose about $137 billion in Medicaid funding against a $50 billion fund

$137B
rural Medicaid cuts over 10 years (KFF)
$50B
rural fund, 5 years
300+
rural hospitals at risk (Sheps Center)
Show what changed and how it hits you
What changed

The law's Medicaid cuts fall on rural areas in proportion to how much their residents rely on Medicaid, which is more than urban areas. KFF estimates about $137 billion of the $911 billion in federal Medicaid cuts over ten years lands in rural areas. The Rural Health Transformation Program offers $50 billion over five years, distributed to all 50 states in December 2025.

How it hurts you

Republican senators Josh Hawley of Missouri and Thom Tillis of North Carolina warned before the vote that the Medicaid cuts would close rural hospitals; Senator Susan Collins voted no in part for that reason. The University of North Carolina's Sheps Center identified more than 300 rural hospitals already at risk of closure or service cuts. When a rural hospital closes, the nearest emergency room can be an hour away for everyone in the county, insured or not, and it is often the largest employer.

What you can do
  • Your state decides how its share of the rural fund is spent. State hospital associations track this; ask yours.
In the record
One Big Beautiful Bill Act, Sec. 71401

Rural Health Transformation Program

Passed by Congress and signed. Opens the enacted text at that section.

Significant πŸ›οΈ Federal services & jobs Executive order In effect Since February 2025; the Supreme Court let the layoffs proceed in July 2025

About 270,000 federal jobs eliminated through buyouts and layoffs

βˆ’271,363
federal civilian jobs, Jan 2025–Jul 2026 (OPM)
18 of 22
large agencies down more than 10% (GAO)
Show what changed and how it hits you
What changed

The order paired a "deferred resignation" buyout, which about 140,000 employees took, with firings of probationary staff and layoffs across agencies. The Office of Personnel Management counts a net loss of 271,363 civilian employees between January 2025 and July 2026, the steepest drop in modern federal employment. The Government Accountability Office found that 18 of the 22 largest agencies lost more than a tenth of their staff.

How it hurts you

Veterans make up about three in ten federal employees, so they took a large share of the losses. The effects show up as slower service at the agencies people deal with most: Social Security, the IRS, veterans' hospitals, weather offices and disaster response, each listed separately below. GAO's inspectors-general call the loss of experienced staff a top management risk for 2026.

What you can do
  • If you were separated, the Office of Personnel Management's appeal and back-pay rules still apply; the Merit Systems Protection Board hears cases.
In the record
Executive Order 14210, the DOGE workforce initiative

Ordered agencies to plan large reductions in force and to hire at most one person for every four who leave

Signed by the President. Opens the primary source.

Sources
Significant πŸ›οΈ Federal services & jobs Agency action In effect Since February 2025

FEMA lost a third of its staff and entered hurricane season short-handed

240 vs 600
surge staff, 2026 vs 2025
$1.6B
in mitigation grants pulled, then restored by court order
Show what changed and how it hits you
What changed

FEMA recorded more than 4,300 separations in fiscal 2025, up 55%, with half its senior leadership posts vacant. The Government Accountability Office reported in August 2026 that the agency rescinded its strategic plan and cut staff without assessing what it could still do. A separate April 2025 decision cancelled the $4.5 billion program that paid for flood walls, culverts and wildfire hardening; a federal judge ruled that illegal and FEMA reopened it in March 2026.

How it hurts you

FEMA had about 240 surge staff available for the 2026 hurricane season against 600 in 2025. A Politico analysis found the White House approved 23% of disaster-aid requests from Democratic-led states and 89% from Republican-led ones, a figure the administration disputes; 27 requests were pending in June 2026. Representative Rob Bresnahan, a Pennsylvania Republican, called cancelling the mitigation grants "the wrong call."

What you can do
  • Check your county's hazard-mitigation projects; the reinstated grant round closes on its own schedule and local governments must apply.
In the record
FEMA workforce reductions

GAO-26-108427: staff cut without a plan for mission capacity; the White House stopped approving hazard-mitigation add-ons to disaster declarations from March 2025

Done by a federal department. Opens the primary source.

Sources
Significant πŸ§ͺ Health, safety & environment Agency action In effect April 1, 2025; the mine-safety layoffs were revoked in January 2026

HHS cut 20,000 staff; smoking, lead-poisoning, maternal-health and mine-safety units eliminated

82,000 β†’ 62,000
HHS staff target
~900 of 1,000
NIOSH staff cut before reversal
Show what changed and how it hits you
What changed

The FDA lost about 3,500 positions, the CDC about 2,400 and NIH about 1,200. Units that disappeared included the CDC's Office on Smoking and Health, its reproductive-health division that studied maternal deaths, the lead-poisoning surveillance branch, and about 900 of the 1,000 staff at the occupational-safety institute NIOSH, including the black-lung screening program for coal miners and the World Trade Center health program.

How it hurts you

Black-lung X-ray screening in West Virginia, Pennsylvania and Ohio stopped for months. Certifications for the 9/11 health program stalled. Milwaukee lost CDC help with lead in its schools. After lawsuits and pressure from miners and firefighters, HHS revoked the NIOSH layoffs in January 2026, though many staff had already left. The secretary himself said about a fifth of the cuts were errors to be reversed.

In the record
HHS restructuring and reduction in force

From 82,000 to 62,000 employees; 28 divisions consolidated into 15

Done by a federal department. Opens the primary source.

Significant πŸ›’ Tariffs & prices Executive order In effect Since April 2025; re-imposed under new statutes after the Supreme Court struck the first version in February 2026

Tariffs cost about $1,000 a year per household

~$1,000
per household per year
Β½ to ΒΎ
of core inflation, per the Fed chair
Show what changed and how it hits you
What changed

Tariffs are a tax on imports paid at the border by the importer and passed on in prices. The average tariff rate rose from about 2.5% to the highest level since the 1940s. The Supreme Court ruled 6 to 3 in February 2026 that the emergency-powers law used for most of them did not authorize tariffs, and the administration reimposed them under other statutes.

How it hurts you

The Tax Foundation puts the cost at about $1,000 per household in 2025 and $820 in 2026. Yale's Budget Lab and the Penn Wharton Budget Model land in the same range and find the burden falls hardest on lower-income households, who spend more of their income on goods. The Federal Reserve chair attributed between a half and three-quarters of core inflation in early 2026 to tariffs.

What you can do
  • Refunds of the tariffs the Court struck down are being litigated; importers, not consumers, would receive them.
In the record
Executive Order 14257 and successor proclamations under Sections 122, 232 and 301

Learning Resources v. Trump (Feb 20, 2026) held the emergency-powers tariffs unlawful; replacements followed within days

Signed by the President. Opens the primary source.

Sources
Significant 🏘️ Hospitals, clinics & consumers Law In effect Signed May 9, 2025; the agency is barred from issuing a similar rule

Congress killed the $5 cap on bank overdraft fees

$5B / yr
consumer savings forgone (CFPB)
$225
per fee-paying household
Show what changed and how it hits you
What changed

The rule would have required banks with more than $10 billion in assets to cap overdraft fees at $5, price them at cost, or treat them as loans with disclosures, starting October 2025. Congress repealed it before it took effect.

How it hurts you

The Consumer Financial Protection Bureau estimated the cap would save consumers up to $5 billion a year, about $225 per household that pays the fees, which typically run about $35 each. Banks and the resolution's sponsors argued the cap would push banks to drop overdraft coverage for riskier customers.

What you can do
  • Ask your bank to turn off overdraft coverage on debit purchases; declined transactions cost nothing.
In the record
Public Law 119-10 (S.J.Res. 18), repealing the CFPB overdraft rule

A Congressional Review Act resolution sponsored by Sen. Tim Scott; a companion law ended CFPB supervision of large payment apps

Passed by Congress and signed. Opens the primary source.

Sources
Significant πŸ§ͺ Health, safety & environment Agency action In effect June 2025; the replacements and every vote since were stayed by a federal court on March 16, 2026

All 17 CDC vaccine advisers fired and replaced; a court froze the new panel's votes

2,777
measles cases in 2026 through August 20
13 of 15
new appointees stayed by the court
Show what changed and how it hits you
What changed

The health secretary dismissed every member of the committee and appointed a new one, several of whose members had no vaccine background. Between September 2025 and January 2026 the new panel downgraded COVID shots to "shared decision-making," dropped the combined MMRV shot for children under four, and ended the universal hepatitis B dose at birth. A federal judge stayed 13 of the 15 appointments and all their votes in March 2026, restoring the earlier recommendations.

How it hurts you

Parents and doctors faced a year of conflicting federal guidance. Measles cases reached 2,289 in 2025 and 2,777 by August 2026, the most since 1992, with 93% in unvaccinated people. Senator Bill Cassidy, the Republican chair of the health committee and a physician, said the new panel "may even have a preconceived bias" and should not meet. Major insurers pledged to keep covering the earlier schedule at no cost through the end of 2026.

What you can do
  • Your pediatrician follows the American Academy of Pediatrics schedule, which did not change; ask for it by name.
In the record
HHS removal of the Advisory Committee on Immunization Practices

The committee's votes decide which vaccines insurers must cover at no cost and which the Vaccines for Children program supplies

Done by a federal department. Opens the primary source.

Significant 🧾 Taxes, debt & interest rates Law In effect Ongoing through 2034

About $3.4 trillion added to the national debt, pushing up interest rates

$3.4T
added to deficits, 2025–2034 (CBO)
$5T
debt limit increase
Show what changed and how it hits you
What changed

CBO scores the law at $3.4 trillion in added deficits over ten years, about $4.1 trillion with interest, and the law raised the debt limit by $5 trillion to make room. Conservative budget analysts at the Committee for a Responsible Federal Budget, the Cato Institute and the Manhattan Institute made the same criticism.

How it hurts you

More federal borrowing competes with everyone else's borrowing. Moody's stripped the United States of its last AAA rating in May 2025 citing this trajectory. Higher Treasury yields flow into mortgage rates, car loans and credit cards, and interest is now one of the largest items in the federal budget, crowding out everything else.

In the record
One Big Beautiful Bill Act (whole law)

Whole law: CBO cost estimate (and the $5 trillion debt-limit increase in Sec. 72001)

Passed by Congress and signed. Opens the primary source.

Sources
Significant πŸ›’ Tariffs & prices Law In effect Cancellations since January 2025, accelerating after the law passed

Factory and power projects cancelled after the clean-energy incentives were pulled

$76B
projects cancelled, Jan 2025–May 2026 (E2)
~99,000
jobs those projects would have created
Show what changed and how it hits you
What changed

The 2022 incentives that paid manufacturers to build batteries, solar panels, EVs and new generation in the United States drew most of their investment to Republican-held districts. The law ended or wound down those credits early and added foreign-sourcing rules that disqualify many remaining projects.

How it hurts you

E2, which tracks announced projects, counted $76 billion and about 99,000 jobs cancelled between January 2025 and May 2026, with cancellations outpacing new announcements three to one in 2025 and 57% of the cancelled dollars in Republican districts. Four Republican senators had warned in April 2025 that repeal would jeopardize capital allocation and job creation. Fewer new power plants as data-center demand rises is one reason electricity prices are projected higher.

In the record
One Big Beautiful Bill Act, Sec. 70512

Termination and restrictions on clean electricity production credit (and Secs. 70501–70515)

Passed by Congress and signed. Opens the enacted text at that section.

Sources
Significant 🏘️ Hospitals, clinics & consumers Court ruling In effect Vacated July 11, 2025

Rule keeping medical debt off credit reports thrown out, with the agency's consent

~15M
people who would have had medical debt removed
~20 pts
average score gain forgone
Show what changed and how it hits you
What changed

The January 2025 rule would have barred credit bureaus from listing medical bills and lenders from using them. The bureau under new leadership joined the lenders' motion, and the court vacated the rule as exceeding the Fair Credit Reporting Act.

How it hurts you

The bureau had estimated about 15 million people would have had medical bills removed from their reports, raising scores by about 20 points on average and enabling roughly 22,000 more mortgage approvals a year. Medical collections over $500 remain reportable.

What you can do
  • The three bureaus voluntarily exclude paid medical collections and unpaid ones under $500; dispute anything listed that qualifies.
In the record
Cornerstone Credit Union League v. CFPB (E.D. Texas), consent judgment

The bureau switched sides and joined the industry plaintiffs; the court also held that federal law preempts similar state laws

Decided by a federal court. Opens the primary source.

Significant βš–οΈ Rights, courts & elections Agency action In effect Chicago from September 2025; Minneapolis December 2025 to February 2026

Federal agents shot U.S. citizens during city enforcement surges; courts found dozens of orders violated

96
court orders ICE violated in Minnesota, per the judge
455
Chicago arrestees ordered released
Show what changed and how it hits you
What changed

In Minneapolis an ICE agent shot and killed RenΓ©e Good on January 7, 2026 and a Border Patrol agent shot and killed ICU nurse Alex Pretti on January 24; video analyses contradicted the department's accounts. ProPublica reported in September 2026 that Justice Department leadership overruled its own prosecutor to block a civil-rights charge in a third shooting. A Chicago judge ordered 455 people released after finding arrests unlawful.

How it hurts you

The Pretti killing led Senate Democrats to reject Homeland Security funding, producing a 76-day lapse in which TSA officers missed paychecks and more than a thousand quit. The Homeland Security secretary was replaced in March 2026. For residents of the targeted cities, the surges meant armed federal operations in neighborhoods, schools and courthouses regardless of citizenship.

In the record
Operation Midway Blitz (Chicago) and Operation Metro Surge (Minnesota)

About 3,000 ICE and Border Patrol agents sent to Minnesota; a federal judge found ICE violated at least 96 court orders there

Done by a federal department. Opens the primary source.

Significant πŸ›οΈ Federal services & jobs Budget action In effect October 1 to November 12, 2025; a second lapse for Homeland Security ran from mid-February to April 30, 2026

A 43-day shutdown cut off SNAP for 42 million people and grounded flights

43 days
longest shutdown on record
42M
SNAP recipients affected
Show what changed and how it hits you
What changed

About 900,000 federal employees were furloughed and 700,000 more worked unpaid. The Agriculture Department declined to fund November SNAP benefits; two judges ordered payment, the administration offered partial benefits, and full benefits flowed only after the November 12 funding law. The FAA cut flights by up to 10% at 40 major airports for ten days because of controller shortages.

How it hurts you

One in eight Americans faced a gap in food assistance at the start of November 2025. Federal workers got back pay under a 2019 law; most contractors did not. About 4,000 layoff notices issued during the shutdown were rescinded. The next funding deadline is December 11, 2026.

In the record
Lapse in appropriations, ended by Public Law 119-37

The longest shutdown in U.S. history; the current stopgap funds the government through December 11, 2026

Funding cut, frozen or shifted. Opens the primary source.

Sources
Significant 🌐 War & foreign policy Military action In effect Since February 28, 2026; ongoing

The Iran war added a dollar to a gallon of gas and two to diesel

$4.28
regular gas, Sept 10, 2026 (AAA); $3.19 a year earlier
$5.98
diesel, vs $3.71 a year earlier
$37.5B
direct cost through July 2026
Show what changed and how it hits you
What changed

The war that began on February 28, 2026 closed the Strait of Hormuz for months. The Energy Information Administration recorded the largest oil-supply disruption in the market's history, and Brent crude went from about $72 to nearly $120 in March and was back above $100 in September.

How it hurts you

The national average for regular gas rose a dollar in a month, peaked at $4.56 in May, and was $4.28 on September 10, 2026 against $3.19 a year earlier. Diesel, which moves food and freight, was nearly $6. July's consumer price index showed energy up 14.7% over the year, and Goldman Sachs estimated the war adds more than a point to headline inflation in 2026.

In the record
Operation Epic Fury, U.S. and Israeli strikes on Iran

No congressional authorization; the Pentagon reported $37.5 billion in costs through July 2026 and requested $67 billion more

Ordered by the President. Opens the primary source.

Sources
Significant ⚑ Energy & your bills Law In effect Projects must start construction by July 4, 2026 or finish by end of 2027; price effects build through the 2030s

Higher electricity bills as cheap new power projects are cancelled

+5.0%
residential electricity price, June 2026 vs June 2025 (EIA)
+$150/yr
projected household energy costs by 2030
+6%
residential electricity prices by 2035 (projection)
Show what changed and how it hits you
What changed

Tax credits for new wind and solar generation end for projects not under construction by July 2026 or in service by the end of 2027, and new restrictions on foreign components make many remaining projects ineligible. Wind and solar were the majority of new generation being built, at a time when demand from data centers is rising fast.

How it hurts you

Independent modelers (Energy Innovation, the Rhodium Group, Princeton's REPEAT project) project household energy costs rising by roughly $150 a year by 2030 and more after. They put residential electricity prices about 6% higher by 2035, with the largest increases in states like Kentucky, Oklahoma and South Carolina. These are projections, not measurements, and utility rate cases in 2026 are where they start to show up.

What you can do
  • Rate increases are approved by your state public utility commission, which takes public comment.
In the record
One Big Beautiful Bill Act, Sec. 70512

Termination and restrictions on clean electricity production credit (and Sec. 70513, investment credit)

Passed by Congress and signed. Opens the enacted text at that section.

Significant πŸ›’ Food assistance (SNAP) Law In effect Administrative share rises October 1, 2026; benefit cost share starts October 1, 2027

States must start paying for SNAP benefits, and can cut the program instead

5–15%
of benefits states must fund
75%
state share of admin costs, from 50%
Show what changed and how it hits you
What changed

The federal government has paid 100% of SNAP benefits since 1964. From fiscal year 2028, states with payment error rates of 6% or more pay 5% to 15% of benefit costs, and every state's share of administrative costs rises from 50% to 75%.

How it hurts you

Most states had error rates above 6% in 2024, so this is billions of dollars a year that state budgets do not have. States can respond by restricting eligibility or cutting outreach. In the extreme, a state can leave the program. Several governors have said openly that they may not be able to afford it.

What you can do
  • Your state legislature decides this in its 2027 budget. Tell your state representative you want SNAP kept whole.
In the record
One Big Beautiful Bill Act, Sec. 10105

Matching funds requirements (and Sec. 10106, Administrative cost sharing)

Passed by Congress and signed. Opens the enacted text at that section.

Significant 🏘️ Hospitals, clinics & consumers Law Coming Builds from 2026 as coverage losses begin

Hospitals and clinics everywhere absorb more unpaid care

~10M
more uninsured in 2034 (CBO)
Show what changed and how it hits you
What changed

CBO projects about 10 million more uninsured people in 2034 from the law's health provisions, plus roughly 4 million more from the expiration of enhanced marketplace subsidies. Uninsured people still get sick; hospitals treat them in emergency rooms and write off the cost.

How it hurts you

Hospitals respond by closing maternity wards and psychiatric units, freezing hiring, laying off staff, and raising prices for privately insured patients, which flows into everyone's premiums. The American Hospital Association estimated hospitals would lose hundreds of billions of dollars over ten years.

In the record
One Big Beautiful Bill Act (whole law)

Combined effect of Title VII, Subtitle B (Medicaid, Medicare and marketplace provisions)

Passed by Congress and signed. Opens the primary source.

Smaller βš–οΈ Rights, courts & elections Executive order In effect Pardons January 20, 2025; law-firm orders March 2025, enjoined by four judges; Comey and James indictments dismissed November 24, 2025

Orders against law firms struck down; January 6 pardons; prosecutions of critics dismissed

97
pardoned January 6 defendants re-arrested by June 2026
4
law-firm orders permanently enjoined
Show what changed and how it hits you
What changed

About 1,500 people convicted over January 6 were pardoned on the first day; by June 2026 at least 97 had been arrested or charged again, including for sex crimes and domestic violence. Executive orders stripped clearances and federal access from firms that had represented the President's opponents; every one that went to court was struck down. Indictments of former FBI director James Comey and New York attorney general Letitia James were dismissed because the prosecutor who signed them was unlawfully appointed, and grand juries twice refused to re-indict James.

How it hurts you

About 140 officers injured on January 6 saw the convictions of their attackers erased. Anyone who needs a lawyer willing to sue the government benefits from the rulings, and about $940 million of legal capacity was redirected under the settlements. The Supreme Court separately blocked the removal of a Federal Reserve governor 5–4.

In the record
Proclamation 10887 and Executive Orders 14230, 14237, 14246, 14250 and 14263

Four of the law-firm orders were permanently enjoined; nine firms instead pledged about $940 million in pro bono work to administration priorities

Signed by the President. Opens the primary source.

Sources
Smaller πŸ›οΈ Federal services & jobs Agency action In effect Since February 2025; Congress rejected a proposed 31% budget cut

National parks lost a quarter of permanent staff

βˆ’24%
permanent staff since January 2025
Show what changed and how it hits you
What changed

The National Parks Conservation Association counts more than 24% of the permanent workforce gone since January 2025. Visitors have found closed visitor centers, shuttered campgrounds in the Great Smoky Mountains, and slower search and rescue at the Grand Canyon.

How it hurts you

Gateway towns depend on park visitation, and the losses fall on their summer economies as much as on visitors. Congress rejected the budget cut and told the service to keep parks staffed, but the people who left have not been replaced.

In the record
National Park Service firings and deferred resignations

The 2026 budget proposed cutting park operations by about $900 million and handing sites to states; Congress held funding flat

Done by a federal department. Opens the primary source.

Sources
Smaller πŸ›οΈ Federal services & jobs Agency action In effect Since February 2025

The IRS lost a quarter of its staff; paper filers and phone callers wait longer

βˆ’27%
IRS staff during 2025
19%
of identity-theft calls answered
Show what changed and how it hits you
What changed

The agency ended 2025 with about 74,000 employees, down from 102,000. Most people who e-filed with direct deposit got refunds on the normal schedule in 2026. Paper returns took 30 days to process instead of 16, paper refund checks 36 days instead of 13, and the paper-return system was down for the first six weeks of the season, according to the Government Accountability Office.

How it hurts you

The IRS answered 59% of calls on its main lines and 19% on the identity-theft line, where more than 500,000 victims wait about 20 months for their cases to be resolved. Yale's Budget Lab estimates a 22,000-person cut costs about $198 billion in revenue over ten years as audits of high earners fall, which the Peterson Foundation, a deficit-focused group, says drives deficits higher.

What you can do
  • File electronically with direct deposit; that path was largely unaffected.
In the record
IRS reductions in force and deferred resignations

Headcount fell from about 102,000 to about 74,000 during 2025 (National Taxpayer Advocate)

Done by a federal department. Opens the primary source.

Smaller πŸ›οΈ Federal services & jobs Agency action In effect Since February 2025; partial rehiring under way

The National Weather Service lost about 600 forecasters; some offices ended overnight shifts

52 of 122
offices with over 20% vacancies, May 2025
274 of 450
authorized rehires in place by June 2026
Show what changed and how it hits you
What changed

Staffing fell from about 4,550 to under 4,000 in early 2025. By May, 52 of 122 forecast offices had vacancy rates over 20%, 30 had no meteorologist in charge, at least eight had ended overnight operations, and weather-balloon launches were cut in several states.

How it hurts you

Thinner staffing during severe weather means fewer people issuing and coordinating warnings. After the July 2025 Texas Hill Country floods killed more than a hundred people, critics noted that the local office's warning-coordination post was vacant; whether that changed the outcome is disputed. The service remains more than 300 people below its early-2025 level.

In the record
NOAA probationary terminations and deferred resignations

NOAA was authorized to hire 450 replacements in August 2025; 274 were on board by June 2026

Done by a federal department. Opens the primary source.

Smaller βš–οΈ Rights, courts & elections Court ruling In effect Executive order March 2025, enjoined; Texas map upheld by the Supreme Court; Voting Rights Act ruling April 29, 2026

Mid-decade redistricting, a weakened Voting Rights Act, and an election order courts blocked

6–3
Voting Rights Act ruling
~R+5
net seats from new maps (Wikipedia tally)
Show what changed and how it hits you
What changed

Texas redrew its map in 2025 to target five Democratic seats; the Supreme Court allowed it, and Florida, Ohio, North Carolina, Alabama, Louisiana and Tennessee followed, while California voters approved a countermap. Wikipedia's tally of the maps is about nine seats toward Republicans and four toward Democrats before a vote is cast. Executive Order 14248, which would have required documentary proof of citizenship to register with the federal form and discarded mail ballots arriving after Election Day, was blocked by two courts. The SAVE Act, which would write the citizenship requirement into law, passed the House twice and failed in the Senate.

How it hurts you

Millions of voters were moved into new districts months before the November 3, 2026 midterms, and majority-Black districts in Louisiana, Alabama and Tennessee were eliminated. The Justice Department also sued 23 Democratic-led states for unredacted voter files; the first suits were dismissed on privacy grounds.

What you can do
  • Check your district and registration at vote.gov; boundaries changed in at least nine states.
In the record
Louisiana v. Callais (Supreme Court, April 29, 2026) and Abbott v. LULAC

A 6–3 ruling held that Voting Rights Act compliance does not require race-based districts; plaintiffs must now prove intentional discrimination

Decided by a federal court. Opens the primary source.

Smaller 🏘️ Hospitals, clinics & consumers Law In effect Payment-app rule repealed May 2025; GENIUS Act July 18, 2025

Federal oversight of payment apps repealed; stablecoins legalized without deposit insurance

50M
annual transactions: the threshold of the repealed rule
βˆ’25%
Bitcoin since January 17, 2025
Show what changed and how it hits you
What changed

Congress repealed the rule that put nonbank payment apps with more than 50 million transactions a year under bank-style federal supervision. The GENIUS Act created the first federal regime for stablecoins, which must redeem at par but are not insured deposits and pay no interest. Bitcoin, meanwhile, fell about 25% between the inauguration and September 2026 despite the creation of a Strategic Bitcoin Reserve.

How it hurts you

Users of payment apps lose proactive oversight aimed at fraud against older adults and sudden account closures, though existing consumer laws still apply after the fact. Consumer Reports and the New York attorney general criticized the stablecoin law for imposing no duty to return stolen funds.

In the record
Public Law 119-11 (S.J.Res. 28) and the GENIUS Act, Public Law 119-27

The repealed rule would have examined Venmo, Cash App and Apple Pay for fraud, privacy and account freezes; the GENIUS Act licenses dollar stablecoins with one-to-one reserves

Passed by Congress and signed. Opens the primary source.

Sources
Smaller ⚑ Energy & your bills Executive order In effect Since May 2025, renewed every 90 days; 43 orders in 2026

Retiring coal plants ordered to keep running, with the bill sent to ratepayers

$180M
sought from Michigan customers for one plant
+5.0%
residential electricity price, June 2026 vs 2025 (EIA)
Show what changed and how it hits you
What changed

The order directed the department to use emergency powers to stop fossil-plant retirements. Plants in Michigan, Pennsylvania, Maryland, Indiana, Washington, Colorado and Florida have been kept open on rolling orders. Owners recover the cost from regional ratepayers.

How it hurts you

Consumers Energy spent $401 million running the Campbell plant in Michigan through March 2026 and is seeking $180 million from its customers. The Sierra Club puts the total added cost at about $549 million a year; the industry analyst IEEFA counted more than $300 million through May 2026. The grid regulator says the orders helped during a January storm; grid analysts say there is no emergency. Residential electricity averaged 18.34 cents per kilowatt-hour in June 2026, up 5% in a year.

What you can do
  • Cost recovery goes through your state utility commission, which takes public comment.
In the record
Executive Order 14261 and Energy Department emergency orders under Section 202(c)

Seven plants scheduled to close were ordered to keep running; none at the request of the owner, grid operator or state regulator

Signed by the President. Opens the primary source.

Sources
Smaller βš–οΈ Rights, courts & elections Court ruling In effect Los Angeles June 2025; Washington from August 2025 through 2029; Chicago and Portland blocked December 2025

National Guard and Marines sent to U.S. cities; the Supreme Court limited it

6–3
Supreme Court vote against the Chicago and Portland deployments
2,000
Guard in Washington through 2029
Show what changed and how it hits you
What changed

About 4,000 California Guard and 700 Marines were sent to Los Angeles over the governor's objection; a judge ruled the deployment violated the Posse Comitatus Act and troops left in December 2025. Two thousand Guard remain in Washington, where the Pentagon says the mission runs to January 2029. Deployments to Chicago and Portland were blocked by the Supreme Court. Memphis and New Orleans received Guard with their governors' consent.

How it hurts you

Residents of the capital live with a standing military presence for the rest of the term, and two West Virginia Guard members were shot there in November 2025, one fatally. The ruling sharply limits involuntary deployments to states that object unless the Insurrection Act is invoked, which it has not been.

In the record
Trump v. Illinois (Supreme Court, Dec 23, 2025)

A 6–3 ruling held the President may federalize a state's Guard over its objection only when the regular military could lawfully be used and is unable to act

Decided by a federal court. Opens the primary source.

Sources
Smaller 🌐 War & foreign policy Executive order In effect USAID closed July 1, 2025; Canadian boycott through 2025; trade pact put on annual review July 2026

Foreign aid dismantled; Canadian visitors and alcohol orders fell sharply

βˆ’25%
Canadian trips to the U.S., 2025
$447M β†’ $104M
U.S. wine exports to Canada
Show what changed and how it hits you
What changed

The aid agency was closed and $7.9 billion rescinded; a Lancet study projected 14 million excess deaths abroad by 2030. At home, Food for Peace had bought U.S. commodities for shipment abroad. Canadian trips to the United States fell 25% in 2025, Canadian provinces pulled U.S. alcohol from shelves, and U.S. wine exports to Canada fell from $447 million to $104 million. In July 2026 the United States declined to renew the North American trade pact for sixteen years, putting it on annual review.

How it hurts you

Border-state tourism in New York, Washington, Vermont, Maine, Michigan and Florida, and wine and spirits producers in California, Kentucky and Oregon absorbed the losses. Auto and farm supply chains face yearly uncertainty about the trade agreement.

In the record
Executive Order 14169 and the dissolution of USAID; the July 2026 decision not to renew the U.S.-Mexico-Canada trade agreement

83% of aid programs cancelled; Food for Peace moved to the Agriculture Department

Signed by the President. Opens the primary source.

Smaller 🏘️ Hospitals, clinics & consumers Law In effect In effect

The consumer watchdog's budget cut nearly in half

Show what changed and how it hits you
What changed

In February 2025 the acting director ordered all bureau staff to stop work and closed headquarters; a court blocked mass firings, but the bureau then announced it would not prioritize enforcement outside pending cases, dropped oversight of buy-now-pay-later lenders and withdrew a proposed rule on data brokers. The law then cut its maximum funding from 12% to 6.5% of the Federal Reserve's operating budget. The bureau has returned more than $20 billion to consumers since 2011 through enforcement against banks, lenders, debt collectors and credit bureaus.

How it hurts you

Fewer examiners and fewer enforcement actions against overdraft-fee abuses, medical-debt reporting errors, and predatory lenders. The agency handles complaints for every consumer with a bank account, credit card, mortgage or student loan.

What you can do
  • You can still file complaints at consumerfinance.gov; companies must respond.
In the record
One Big Beautiful Bill Act, Sec. 30001

Funding cap for the Bureau of Consumer Financial Protection

Passed by Congress and signed. Opens the enacted text at that section.

Sources
Smaller πŸ›οΈ Federal services & jobs Budget action In effect Rescissions in the law; agency cancellations from January 2025

Infrastructure and local grants pulled back after they were awarded

~800
awards worth $17.8B cancelled by agencies
$6.4B
rescinded by the law
Show what changed and how it hits you
What changed

The Government Accountability Office found that Congress rescinded $6.4 billion of unspent Inflation Reduction Act money in the One Big Beautiful Bill, and that in response to January 2025 executive orders the EPA, Transportation, Interior and Commerce departments cancelled roughly 800 awards worth $17.8 billion, with thousands more under review.

How it hurts you

Locally this looked like the Transportation Department's September 2025 termination of approved trail, bike-lane and pedestrian-safety grants, and the cancellation of the $2.4 billion program that funded projects reconnecting neighborhoods split by highways. Cities had hired engineers and matched funds on the strength of awards that were then withdrawn.

In the record
Rescissions in Public Law 119-21 and agency award cancellations

GAO-26-108434

Funding cut, frozen or shifted. Opens the primary source.

Sources
Smaller 🏘️ Hospitals, clinics & consumers Court ruling In effect Vacated July 8, 2025; a new rulemaking opened in 2026

"Click-to-cancel" subscription rule struck down; the FTC is starting over

Show what changed and how it hits you
What changed

The rule would have required gyms, streaming services and software vendors to let customers cancel through the same channel they signed up in. The court found the commission skipped a required preliminary analysis. The current commission opened a new rulemaking in early 2026 rather than appeal.

How it hurts you

No federal easy-cancel requirement is in force. Consumers rely on state laws in California, New York and a few others, and on case-by-case FTC suits. A new rule is at least a year away.

What you can do
  • Pay for subscriptions with a virtual card number you can turn off if cancelling fails.
In the record
Eighth Circuit vacatur of the FTC Negative Option Rule

Struck on procedural grounds six days before it took effect; the FTC did not appeal

Decided by a federal court. Opens the primary source.

Smaller 🏘️ Hospitals, clinics & consumers Law In effect Rescissions Act signed July 24, 2025; CPB dissolved January 2026

Public broadcasting lost all federal funding and its funding corporation dissolved

$1.07B
rescinded from public broadcasting
1,500+
stations that received the money
Show what changed and how it hits you
What changed

The law clawed back the Corporation for Public Broadcasting's entire two-year appropriation and most of a year's foreign aid, sparing $400 million for the PEPFAR AIDS program. The corporation announced its closure in August 2025 and its board voted to dissolve in January 2026.

How it hurts you

The corporation funded more than 1,500 local stations. Rural stations received 45% of the money and for some it was more than half their revenue, so the losses fall on local news, children's programming and the emergency-alert relays those stations carry. Republicans Susan Collins, Lisa Murkowski, Mark Amodei and Brian Fitzpatrick voted no.

In the record
Rescissions Act of 2025, Public Law 119-28

Passed 216–213 in the House and 51–48 in the Senate; rescinded $1.07 billion for public broadcasting and $7.9 billion in foreign aid

Passed by Congress and signed. Opens the primary source.

Sources
Smaller πŸ›οΈ Federal services & jobs Agency action In effect August 2025 onward

CHIPS Act research money cancelled and replaced with government equity stakes

$7.8B
of the $11B research budget cancelled
Show what changed and how it hits you
What changed

The 2022 CHIPS and Science Act funded semiconductor factories and a national research network. The factory grants largely survived, but the Commerce Department cancelled $7.8 billion of the $11 billion research appropriation, including the $7.4 billion National Semiconductor Technology Center award, and took a 9.9% equity stake in Intel as a condition of grants Congress had already appropriated.

How it hurts you

Research jobs and university partnerships that were funded on paper did not happen, and companies planning decade-long investments saw the rules change twice in a year. The One Big Beautiful Bill raised the semiconductor investment credit from 25% to 35%, which the industry welcomed.

In the record
Commerce Department cancellation of CHIPS R&D awards and equity agreements

GAO-26-109121

Done by a federal department. Opens the primary source.

Sources
Smaller 🧾 Taxes, debt & interest rates Court ruling In effect Attempted removal of a Fed governor August 2025; Supreme Court ruled it unconstitutional June 29, 2026

Pressure on the Federal Reserve, and mortgage rates that never came down

6.76%
30-year mortgage, Sept 10, 2026 (Freddie Mac)
6.35%
a year earlier
Show what changed and how it hits you
What changed

The president tried to fire a Fed governor over unproven allegations, and the Justice Department subpoenaed the Fed over the chair's testimony; courts blocked both. Kevin Warsh became chair in May 2026 on a 54–45 vote, the narrowest ever. The Fed held rates at 3.50% to 3.75% in July 2026, citing elevated inflation.

How it hurts you

The average 30-year mortgage rate was 6.76% in the week of September 10, 2026, against 6.91% the week the term began and 6.35% a year earlier. On a $400,000 loan the rise from a year ago adds roughly $100 a month. Higher federal borrowing, tariffs and the energy shock are the reasons the Fed gives for not cutting.

In the record
Trump v. Cook (Supreme Court, June 29, 2026)

A 5–4 decision held that the attempted removal of Governor Lisa Cook was unconstitutional; a grand-jury probe of Chair Powell was quashed as an effort to "harass and pressure" him

Decided by a federal court. Opens the primary source.

Sources
Smaller πŸ§ͺ Health, safety & environment Agency action In effect Fall 2025 approvals onward

COVID vaccines limited to people 65 and over or with a risk condition

65+
age for unrestricted approval
100–200M
Americans still eligible (FDA)
Show what changed and how it hits you
What changed

The FDA commissioner announced that COVID vaccines would be approved only for people 65 and older and for anyone six months and up with a listed risk condition. The fall 2025 vaccines carried those labels. A separate directive dropping the recommendation for healthy children and pregnant women was found in March 2026 to have "no legal effect."

How it hurts you

The FDA's own estimate is that 100 to 200 million Americans remain eligible. Healthy adults under 65 need a listed condition such as asthma, diabetes or obesity to get a shot on-label, and pharmacy access for others varied by state in fall 2025. Insurers said they would keep covering the shots through 2026, so the barrier is eligibility rather than cost.

In the record
FDA regulatory framework for COVID-19 vaccines and the August 2025 approvals

Approval for healthy people under 65 now requires new randomized trials

Done by a federal department. Opens the primary source.

Smaller 🧾 Taxes, debt & interest rates Law In effect Ended for the 2026 filing season

Free IRS Direct File was shut down

Show what changed and how it hits you
What changed

The IRS's free, government-run tax-filing tool served taxpayers in 25 states in 2025. The law did not abolish it outright but funded a plan to replace it with a public-private option, and the IRS ended Direct File before the 2026 season.

How it hurts you

People with simple returns go back to paid software or the more limited Free File partnership, at the same time as new deductions (tips, overtime, seniors, car loans) make simple returns less simple.

What you can do
  • IRS Free File still exists for incomes under about $84,000, and VITA sites offer free in-person help.
In the record
One Big Beautiful Bill Act (whole law)

Follow-on: the law funded a task force to replace Direct File (Sec. 70607); the IRS then ended the program

Passed by Congress and signed. Opens the primary source.

Sources
Smaller πŸ›οΈ Federal services & jobs Budget action In effect February 14 to April 30, 2026

Homeland Security went unfunded for 76 days; TSA officers quit and airport lines grew

76 days
longest lapse for any agency
1,110+
TSA officers who quit
Show what changed and how it hits you
What changed

The longest funding lapse for any agency. TSA officers missed their first full paycheck on March 13; more than 1,100 of about 50,000 quit by late April, and callout rates reached 55% at some airports, with ICE agents used at checkpoints. FEMA suspended non-disaster work. ICE kept operating on money from the One Big Beautiful Bill.

How it hurts you

Real delays for travelers and missed pay for about 260,000 Homeland Security employees. The final law added $20 million for body cameras and $26.4 billion for the disaster relief fund.

In the record
Lapse in Homeland Security appropriations, ended by Public Law 119-86

Democrats demanded judicial warrants, body cameras and limits on operations at schools and churches; the final law funds TSA, the Coast Guard and FEMA and carves ICE out for reconciliation

Funding cut, frozen or shifted. Opens the primary source.

Smaller πŸ§ͺ Health, safety & environment Agency action In effect Published February 18, 2026; effective April 26, 2026; challenged in the D.C. Circuit

EPA repealed the climate "endangerment finding" and every vehicle greenhouse-gas standard

$1.3T
EPA's claimed compliance savings
$50,089
average new-vehicle price, August 2026
Show what changed and how it hits you
What changed

The rule withdraws the 2009 finding that greenhouse gases endanger public health and rescinds every federal greenhouse-gas standard for cars, trucks and heavy vehicles from model year 2012 onward, along with the credit-trading and reporting systems. EPA claims $1.3 trillion in avoided compliance costs. Separately, the One Big Beautiful Bill set the fuel-economy penalty to zero.

How it hurts you

Automakers no longer face federal limits tied to fuel use, so the lifetime fuel savings the standards were designed to deliver to drivers are no longer required. California and more than a dozen states plan to keep their own rules, splitting the market. The average new vehicle cost $50,089 in August 2026, up 1.9% in a year, so there is no sign the savings reached sticker prices.

In the record
EPA final rule rescinding the greenhouse-gas endangerment finding and motor-vehicle standards

Docket EPA-HQ-OAR-2025-0194; the agency did not estimate the health and environmental costs

Done by a federal department. Opens the primary source.

Smaller πŸ§ͺ Health, safety & environment Agency action In effect Effective April 27, 2026; a proposed repeal of carbon limits on power plants is pending

EPA scrapped the 2024 mercury and toxic-metal limits for coal plants

~1,000 lb/yr
mercury reductions forgone (EPA 2024)
67%
toxic-metal tightening reversed
Show what changed and how it hits you
What changed

The 2024 update cut the allowed emission of toxic metals by 67%, tightened the mercury limit for lignite plants by 70%, and required continuous monitoring. The repeal drops all three. EPA's own 2024 analysis said the update would remove about 1,000 pounds of mercury a year and produce $300 million in health benefits.

How it hurts you

Mercury damages developing brains, and the burden falls on people downwind of the roughly 200 remaining coal units, mostly in the Midwest, Appalachia and Texas. The Sierra Club calculates the dirtiest plants can now emit 50% more mercury. A separate proposal to repeal carbon limits on power plants would forgo standards EPA projected would prevent up to 1,200 premature deaths a year by 2035.

In the record
EPA final rule repealing the 2024 Mercury and Air Toxics Standards update

Reverts to the 2012 limits; EPA has also stopped counting avoided deaths and asthma attacks as benefits when writing air rules

Done by a federal department. Opens the primary source.

Sources
Smaller πŸ§ͺ Health, safety & environment Agency action In effect Proposed May 2026; comment period closed July 20, 2026

EPA proposed dropping limits on four "forever chemicals" and delaying the rest to 2031

4
PFAS limits proposed for rescission
2029 β†’ 2031
compliance deadline for the rest
Show what changed and how it hits you
What changed

The 2024 rule set the first national limits on PFAS in drinking water. The proposal would rescind four of them, arguing the prior agency skipped required steps, and give utilities two more years to meet the two that remain.

How it hurts you

Anyone whose utility's problem is GenX, as around Cape Fear in North Carolina, or PFHxS and PFNA rather than PFOA and PFOS would lose federal protection; everyone else waits up to two more years. Utilities and ratepayers avoid near-term treatment costs.

What you can do
  • Utilities must publish PFAS test results in their annual consumer confidence report; look yours up.
In the record
EPA proposed PFAS rescission and compliance-extension rules

Keeps the 4 parts-per-trillion limits on PFOA and PFOS but lets water systems take until 2031; rescinds the limits on PFHxS, PFNA, GenX and mixtures

Done by a federal department. Opens the primary source.

Sources
Smaller πŸ›’ Tariffs & prices Agency action In effect Latest data: August 2026 jobs report and July 2026 prices

Hiring near stall speed, paychecks slightly behind prices, consumer sentiment near record lows

4.1%
unemployment, August 2026
βˆ’0.2%
real hourly earnings, year to July 2026
51.7
consumer sentiment, August 2026
Show what changed and how it hits you
What changed

Payroll growth averaged about 31,000 jobs a month over the twelve months before August 2026, with federal employment still falling. Average hourly earnings rose 3.1% over the year to July while consumer prices rose 3.4%, so real hourly earnings fell 0.2%.

How it hurts you

The typical paycheck buys slightly less than a year ago. The University of Michigan's consumer sentiment index was 51.7 in August 2026, 11% below a year earlier, with the survey director citing gasoline prices from the Iran conflict. The president fired the BLS commissioner in August 2025 after a weak jobs report, alleging without evidence that the numbers were rigged; no successor has been confirmed, and economists across the spectrum warned that the firing undermines trust in the data used to set Social Security cost-of-living adjustments.

In the record
Bureau of Labor Statistics, Employment Situation and Real Earnings

Payrolls +162,000 in August after averaging 31,000 a month over the prior year; unemployment 4.1%

Done by a federal department. Opens the primary source.

Sources

What helps you

The provisions that benefit people in your situation. Several are temporary; each says so.

The 2017 tax rates and larger standard deduction are permanent

Without this law, income-tax rates would have risen for most households in 2026. The standard deduction is $15,750 single / $31,500 joint for 2025 and indexed.

Sec. 70101 of the One Big Beautiful Bill

Cash prices cut on some brand-name drugs through TrumpRx

Twenty-six drugmakers agreed to sell certain drugs to cash-paying patients at "most-favored-nation" prices from February 2026: Wegovy and Ozempic around $350 a month instead of over $1,000, and some fertility drugs far cheaper. It helps people paying cash; it does not change what employer plans or Medicare pay, and other list prices kept rising.

Executive Order 14297 and voluntary agreements

Birthright citizenship upheld 6–3

The executive order that would have denied citizenship to children born to mothers here unlawfully or temporarily never took effect. On June 30, 2026 the Supreme Court held that such children "are citizens at birth."

Trump v. Barbara (Supreme Court)

Mortgage "trigger lead" spam curbed

Since September 2025 credit bureaus may not sell a mortgage applicant's information to other lenders without a relationship or opt-in, so applying for a mortgage no longer produces dozens of unsolicited calls.

Homebuyers Privacy Protection Act, Public Law 119-36

Revenge porn and AI deepfakes are federal crimes with 48-hour takedowns

The Take It Down Act makes publishing non-consensual intimate images, including AI forgeries, a federal crime and requires platforms to remove reported images within 48 hours, enforced by the FTC from May 2026.

Take It Down Act, Public Law 119-12
πŸ‡ΊπŸ‡Έ Is Trump's second term good for me?

Plain-English explanations of the laws, executive orders and agency actions of Trump's second term, with links to the primary records and to sources across the political spectrum.

This site is not legal, tax or benefits advice. Program rules vary by state and change as agencies issue regulations. Check the linked sources and your state agency before acting.

Not affiliated with any party, campaign or government body. Content last updated 2026-11-06. Changelog