Capitol Hill · Federal4 Bills Tracked
Capitol Hill: ACA aid stalled, housing law passed, funding deadline Dec. 11
What it means for youCongress is away until after the Nov. 3 elections and returns Nov. 9. Government funding and the farm bill are on the agenda, and the ACA aid bill awaits Senate action.
ACA Subsidy Extension (H.R. 1834)Passed House
Decides whether ACA marketplace premiums come down or stay higher.
21st Century ROAD to Housing Act (H.R. 6644)Passed Congress
Aims to ease housing costs over time by adding supply.
Stopgap Funding Bill (H.R. 6500)Signed
Avoids a shutdown for now; the next funding deadline is December 11.
Farm Bill (H.R. 7567)Passed House
Shapes SNAP food aid rules and farm support; the 2018 law extension has lapsed.
Capitol Hill: ACA aid stalled, housing law passed, funding deadline Dec. 11
- Both chambers are out until after the November 3 elections and return November 9 for a lame-duck session.
- Government funding runs through December 11, and the farm bill extension lapsed September 30.
- Senate Democrats want at least a two-year delay of SNAP cost-sharing. The Senate Agriculture Committee advanced its farm bill 12-11 on party lines.
- The housing law passed the Senate 85-5 and the House 358-32. It became law July 11 without a presidential signature.
The bills
- ACA Subsidy Extension (H.R. 1834) (Passed House): Restores expanded ACA premium tax credits for three years; House voted 230-196, Senate has not acted. Bill page
- 21st Century ROAD to Housing Act (H.R. 6644) (Passed Congress): Bipartisan law to boost home building, update HUD programs and limit big investors buying single-family homes. Bill page
- Stopgap Funding Bill (H.R. 6500) (Signed): Keeps federal agencies funded at current levels through December 11, 2026; cleared House 370-48 and was signed September 2. Bill page
- Farm Bill (H.R. 7567) (Passed House): Five-year farm and food package including SNAP; House passed it 224-200, Senate action expected after midterms. Bill page
Source: Congress.gov (Congressional Research Service)
National · United KingdomUpcoming
UK Budget lands 28 October after new cost-of-living measures
What it means for youElectricity VAT is already 0% and the £2 bus fare cap is back. On 28 October the Chancellor sets out tax, pension and benefit plans that can affect your money.
UK Budget lands 28 October after new cost-of-living measures
- Chancellor John Healey presents the Autumn Budget on 28 October, alongside new forecasts from the Office for Budget Responsibility.
- Since 1 October, VAT on household electricity in Great Britain is 0%, down from 5%. The government says that saves the average home about £45 a year.
- Also confirmed: the £2 bus fare cap is restored, and pubs, clubs and live music venues get a 20% business rates cut from April 2027.
- Main income tax, VAT and National Insurance rates are not expected to rise, though nothing is official until Budget day.
Source: Which?
National · CanadaUpcoming
Canada's federal budget arrives 5 November amid US tariff fight
What it means for youThe federal budget on 5 November follows a watchdog forecast of slower growth and higher unemployment. The government has pledged measures aimed at reducing household living costs.
From WashingtonThe U.S. keeps 50% tariffs on Canadian steel and aluminum after the August talks collapsed, and President Trump has threatened 50% tariffs on Canadian cars, trucks, parts and steel from 1 January 2027.
Canada's federal budget arrives 5 November amid US tariff fight
- Finance Minister François-Philippe Champagne says the federal budget will be tabled on 5 November, the second under Prime Minister Mark Carney.
- The Parliamentary Budget Officer trimmed its 2026 and 2027 growth outlook and projects a $63.3 billion deficit for 2026-27.
- The trade war escalated after Canada walked away from an August deal that Carney said would let the U.S. control Canada's trading partners.
- Champagne says the plan will unlock investment and create high-paying jobs, while Conservative Leader Pierre Poilievre criticized Carney's spending commitments.
Source: Global News
National · NigeriaDeveloping
Nigeria petrol near 1,400 naira as January election nears
What it means for youPetrol costs about 1,400 naira a litre, adding to transport and food costs. A 30-day discount at NNPC stations is running, and the president says the old subsidy will not return.
From WashingtonA U.S. proclamation effective 1 January 2026 suspends new immigrant visas and B-1/B-2 visitor, F, M and J visas for Nigerians who did not already hold a valid visa.
Nigeria petrol near 1,400 naira as January election nears
- Petrol now costs about 1,400 naira a litre, up from 830 naira before the war in the Middle East, according to AFP.
- On 8 October the finance minister announced relief, including a petrol discount for public transport operators and a proposed 1,350 naira ceiling on landing cost.
- President Tinubu says the subsidy was fiscally unsustainable and has ruled out bringing it back.
- Critics such as the Nigeria Democratic Congress, which fields Peter Obi, call the relief a backdoor subsidy; the government says it is not.
Source: Africanews
National · JamaicaDeveloping
Jamaica rebuilds a year after Hurricane Melissa as insurance claims lag
What it means for youMany hotels and businesses still await full insurance payouts, which slows recovery. The government says its national recovery strategy is well advanced, and PM Holness has said legislation could speed claims.
From WashingtonSince 1 January 2026 the U.S. charges a 1% tax on remittances paid for with cash, money orders or cashier's checks, while transfers funded from bank accounts or cards are exempt.
Jamaica rebuilds a year after Hurricane Melissa as insurance claims lag
- Hurricane Melissa struck Jamaica in October 2025 as a Category 5 storm, damaging homes, hotels and public buildings, especially in the west.
- AP reports about 20 hotels remain closed, and the hotel association says over 61% of claimants still await full settlements.
- Prime Minister Andrew Holness says paying claims is critical to recovery and that the government could consider legislation to speed this up.
- The Planning Institute of Jamaica says a National Recovery Strategy, built with the World Bank, IDB and UNDP, is well advanced.
Source: Cayman Marl Road (citing AP)
National · Washington & YouIn Effect
Washington's tariffs, visa limits and remittance tax: what changes abroad
What it means for youIf you live abroad or send money home, these U.S. rules can affect visa options, transfer costs and the price of exports to the U.S. Check your country and visa category.
Washington's tariffs, visa limits and remittance tax: what changes abroad
- Since January 1, 2026, the U.S. fully or partly suspends visas for nationals of 39 countries, including Haiti and Nigeria. Valid visas are not revoked.
- A 1% U.S. tax applies to remittances funded with cash, money orders or cashier's checks. Bank- and card-funded transfers are generally exempt.
- The U.S. Trade Representative says new tariffs of 10% or 12.5% on 60 economies, in force since July 24, target weak bans on forced-labor imports.
- Trinidad and Tobago faces the 10% rate. Nigeria and Guyana face 12.5%.
Source: U.S. Department of State
State House · AlabamaSigned
Alabama makes nursing home and hospital Medicaid taxes permanent
What it means for youTwo 2026 laws keep Alabama's nursing home and hospital provider taxes in place for good, which helps pay for Medicaid. Alabama still has not expanded Medicaid to low-income adults.
Alabama makes nursing home and hospital Medicaid taxes permanent
- SB 143 removes the expiration date on fees tied to nursing facility beds.
- SB 145 does the same for a tax that private hospitals pay to the Alabama Medicaid Agency.
- Both bills were sponsored by Sen. Greg Albritton, R-Atmore. Alabama Arise, an advocacy group, says the laws protect Medicaid funding.
- Alabama Arise also notes that the governor and Legislature have not expanded Medicaid to cover adults with low incomes.
Source: Alabama Arise
State House · AlaskaIn Effect
Alaska sets 2026 dividend at $1,000 plus $200 energy payment
What it means for youEligible Alaskans are getting $1,200 total starting October 1: a $1,000 dividend plus a $200 energy relief payment, with the amount set in budget bill HB 263.
Alaska sets 2026 dividend at $1,000 plus $200 energy payment
- Nearly 600,000 Alaskans began receiving payments October 1. Another round is scheduled for October 22.
- Applicants generally must have been Alaska residents for all of 2025. Some people sentenced or incarcerated for a felony that year may be ineligible.
- The House minority caucus argued for the statutory dividend formula, which estimates put near $3,800 per person.
- The multipartisan House majority coalition favored putting more money toward state services, such as schools, Medicaid rates and heating assistance.
Source: Alaska Department of Revenue
State House · ArizonaSigned
Arizona budget adds $6,000 senior deduction and tighter Medicaid checks
What it means for youGov. Hobbs signed an $18.3 billion budget, SB 1847, with $1.4 billion in tax cuts. Seniors get a new $6,000 deduction, and Medicaid and SNAP eligibility checks are stronger.
Arizona budget adds $6,000 senior deduction and tighter Medicaid checks
- The tax package ends taxes on tips and overtime, raises the standard deduction and adds the new senior deduction.
- It also adds a child care expense deduction, a larger child tax credit and property tax exemptions for disabled veterans.
- Senate Republicans say stronger Medicaid and SNAP verification reduces waste and protects taxpayer money.
- Democrats pushed back on the checks. The budget funds extra staff so about 40,000 Arizonans can remain on the state Medicaid plan.
Source: Arizona Capitol Times
State House · ArkansasSigned
Arkansas raises homestead property tax credit to $675
What it means for youHB 1103 lifts the credit that lowers property taxes on your main home from $600 to $675 per parcel. It applies to assessment year 2026, with taxes due in 2027.
Arkansas raises homestead property tax credit to $675
- Rep. Bart Schulz, R-Cave City, sponsored HB 1103. It passed both chambers with no votes against, and the governor's office announced the signing May 1.
- Homeowners must register with their county assessor and show proof of eligibility. Each homeowner gets one credit per year.
- A statewide half-cent sales tax pays counties back for the credits. The state estimates $39.8 million in added credits in 2027.
- Gov. Sanders says the state's tax cuts deliver savings to Arkansans. Sen. Fred Love, D-Little Rock, said a separate income tax cut gives the average person about $50.
Source: Arkansas Democrat-Gazette
State House · CaliforniaUpcoming
California minimum wage rises to $17.40 on January 1, 2027
What it means for youThe statewide minimum wage goes from $16.90 to $17.40 an hour in January. A new law also sets a $19.75 hourly floor for certain farmworkers starting in 2027.
California minimum wage rises to $17.40 on January 1, 2027
- Gov. Newsom announced July 31, 2026, that the statewide minimum wage will increase to $17.40 an hour on January 1, 2027.
- The current statewide minimum is $16.90. The governor's office also cites $20 an hour for fast-food workers and $25 for health care workers.
- AB 2646, signed September 30, sets a $19.75 hourly floor for some farmworkers hired through programs like H-2A starting in 2027.
- California residents doing the same or similar work for the same employer, in the same county and period, also qualify.
Source: Office of Governor Gavin Newsom
State House · ColoradoIn Effect
Colorado funds senior property tax break for 2026 tax year
What it means for youIf you are 65 or older and have owned and lived in your home for 10 years, the state can exempt up to half of the first $200,000 of its value.
State House · ConnecticutSigned
Connecticut's housing law H.B. 8002 requires towns to plan for growth
What it means for youTowns must now plan for more housing, small projects face fewer parking rules, and fair rent commissions expand. That can affect rent disputes and housing choices near you.
Connecticut's housing law H.B. 8002 requires towns to plan for growth
Source: CT Mirror
State House · DelawareSigned
Delaware's Housing for Every Delawarean Act sets affordable housing goals
What it means for youLarger towns and counties must plan for affordable homes, with a goal of making 20% of homes affordable, and zoning-compliant residential projects get by-right review.
State House · District of ColumbiaApproved
DC budget restores Healthcare Alliance coverage and protects housing vouchers
What it means for youFor one year starting Oct. 1, the DC Healthcare Alliance again covers full medical services, including dental and vision, for adults 21 and older not eligible for Medicaid or Medicare.
DC budget restores Healthcare Alliance coverage and protects housing vouchers
Source: Arent Fox Schiff
State House · FloridaUpcoming
Florida voters decide Amendment 3 on homestead property tax exemption
What it means for youOn Nov. 3, voters decide whether to raise the homestead exemption on non-school property taxes to $150,000 in 2027 and $250,000 in 2028. It needs 60% to pass.
Florida voters decide Amendment 3 on homestead property tax exemption
Source: Florida TaxWatch
State House · GeorgiaSigned
Georgia gives homestead owners a one-time $18,000 assessed-value cut
What it means for youIf you filed a homestead exemption by April 1 and owe property tax, your 2026 bill drops. It is a bill reduction, not a check.
State House · HawaiiSigned
Hawaii sets up program to buy and erase residents' medical debt
What it means for youQualifying residents may have medical debt wiped out without applying. They will get a notice if their debt is bought and canceled.
State House · IdahoSigned
Idaho drops proration of its homeowner's property tax exemption
What it means for youIdaho homeowners get the full homestead exemption regardless of when in the year they apply, as long as they file by the deadline.
Idaho drops proration of its homeowner's property tax exemption
Source: Idaho Legislature
State House · IllinoisSigned
Illinois homeowners keep leftover equity when homes sold for tax debt
What it means for youIf your home is sold over unpaid property taxes, you now keep the money left after the debt is paid. Owners also get more time to pay.
State House · IndianaSigned
Indiana's SB 1 adds homestead credits, with extra $150 for seniors
What it means for youHomeowners get a credit of 10% off their property tax bill, up to $300. Eligible owners 65 and older get $150 more.
State House · IowaSigned
Iowa's new property tax law caps city and county revenue growth
What it means for youHomeowners get a larger exemption on part of their home's value. Cities and counties face a 2% revenue cap, and existing senior and veteran exemptions stay.
Iowa's new property tax law caps city and county revenue growth
- Senate File 2472 gives homeowners an exemption equal to 10% of home value, at least $5,500 and at most $20,000.
- It caps most city and county revenue growth at 2% a year, with exceptions, and keeps existing senior and veteran exemptions.
- Supporters, including Gov. Kim Reynolds, say it will save homeowners $4.2 billion over six years.
- Critics, including city officials, say residents may see only small bill changes and could see reduced city services.
▶ Iowa PBS Iowa Press: House Speaker Pat Grassley on the property tax dealSource: Iowa Public Radio
State House · KansasVetoed
Kansas governor vetoes property tax cap on cities and counties
What it means for youNo major property tax relief became law this session. The vetoed bill would have let voters block local spending increases above a set cap.
Kansas governor vetoes property tax cap on cities and counties
- House Bill 2043 would have limited city and county spending increases to 3% or the rate of inflation, whichever was smaller.
- Voters could have blocked a local decision to exceed the limit with a petition signed by 10% of voters from a past election.
- Gov. Laura Kelly vetoed it in April, calling it a 'false promise,' and lawmakers had already adjourned, so no override was possible.
- Supporters say the cap would slow rising local tax bills. Critics, including some in both parties, warned local governments could struggle to operate.
Source: Kansas Reflector
State House · KentuckyIn Effect
Kentucky law lets churches build small affordable housing projects
What it means for youFaith groups can build up to 24 affordable homes on land they own with less local zoning review. Units must stay affordable for 15 years.
Kentucky law lets churches build small affordable housing projects
- House Bill 333 was signed by Gov. Andy Beshear on April 7 and took effect July 15, 2026.
- Qualifying religious institutions, or developers working for them, can skip much of the local zoning review if they meet requirements.
- Housing must be reserved for households earning 80% or less of area median income, capped at 24 units, and stay affordable 15 years.
- Supporters say it cuts red tape in a housing shortage, and projects must still pass safety inspections.
Source: Spectrum News 1
State House · LouisianaSigned
Louisiana Medicaid must cover dental work needed before surgery
What it means for youMedicaid will pay for dental procedures a patient needs to be cleared for another covered treatment, such as surgery. The law's effective date was August 1, 2026.
Louisiana Medicaid must cover dental work needed before surgery
- House Bill 222, by Rep. Stephanie Berault, became Act 629 when the governor signed it on June 2, 2026.
- It requires Medicaid to cover a dental procedure when it is medically necessary to clear a patient for another Medicaid-covered procedure.
- Louisiana Medicaid adult dental coverage has mainly included exams, cleanings, dentures, and up to $200 for extractions.
- The health department must seek federal plan approval and write rules. The fiscal note lists about $784,370 in state costs.
Source: Louisiana Legislature
State House · MaineSigned
Maine creates first dedicated funding source for affordable housing
What it means for youA new Housing Production Fund at MaineHousing, paid for through real estate transfer tax changes, will help build affordable homes. First-time buyers in MaineHousing's program skip that tax.
Maine creates first dedicated funding source for affordable housing
- LD 2212 puts $37.5 million in new funding toward building affordable homes to buy or rent across Maine.
- It sets up a Housing Production Fund at MaineHousing, financed through changes to the real estate transfer tax.
- The state estimates $17 million in the first year, with the amount expected to grow with the real estate market.
- LD 210 also exempts participants in MaineHousing's First Time Homebuyer Program from the real estate transfer tax.
Source: Maine Governor's Office of Policy Innovation and the Future
State House · MarylandIn Effect
Maryland Medicaid work-rule changes start Jan. 1, with new state job database
What it means for youIf you're 19 to 64 on expanded Medicaid, you'll need 80 work, training or volunteer hours monthly from Jan. 1, 2027. A new state database lists job-training options.
Maryland Medicaid work-rule changes start Jan. 1, with new state job database
Source: WYPR
State House · MassachusettsPassed Senate
Massachusetts Senate passes optional senior property tax exemption bill, S.2902
What it means for youIf your town opts in, income-eligible longtime senior homeowners could get a property tax exemption. The bill passed the Senate in January; House action was not confirmed.
State House · MichiganUpcoming
Michigan minimum wage rises to $15 an hour on Jan. 1, 2027
What it means for youWorkers now at $13.73 an hour are scheduled to move to $15.00 on Jan. 1, 2027. The tipped cash wage rises to $6.30.
State House · MinnesotaSigned
Minnesota boosts 2025 homestead credit refunds by 14.88 percent, one time
What it means for youHomeowners who qualify for the 2025 Homestead Credit Refund get a refund nearly 15% larger. If you already filed, the state adjusts it for you.
State House · MississippiSigned
Mississippi's HB 1 phases income tax down to 3% by 2030
What it means for youThe state income tax rate is set to fall to 3% by 2030, with later cuts possible. The law also cuts the grocery sales tax to 5% and raises the gas tax.
State House · MissouriSigned
Missouri law will automatically clear some criminal records
What it means for youEligible misdemeanors and nonviolent felonies will be cleared automatically, without you filing anything, after set waiting periods. Violent crimes and offenses against children are excluded.
State House · MontanaIn Effect
Montana's homestead rate lowers property taxes on primary homes
What it means for youIf you own and live in your Montana home at least seven months a year, you can get a lower property tax rate. Second homes generally pay more.
State House · NebraskaSigned
Nebraska locks in retroactive Medicaid coverage under LB958
What it means for youIf you get care before applying for Medicaid, Nebraska must cover those bills up to the federal limit: two months, or one month for expansion enrollees.
State House · NevadaProposed
Nevada lawmakers plan to bring back a senior rent cap in 2027
What it means for youNevada lawmakers plan to reintroduce a 10% cap on rent increases for seniors in 2027. Gov. Joe Lombardo has vetoed earlier versions twice.
Nevada lawmakers plan to bring back a senior rent cap in 2027
Source: Nevada Current
State House · New HampshireSigned
New Hampshire sets Medicaid work rules starting January 2027
What it means for youAdults on Granite Advantage, the state's Medicaid expansion, must show proof of 80 hours a month of work or other approved activity, unless exempt.
New Hampshire sets Medicaid work rules starting January 2027
Source: InDepthNH.org
State House · New JerseySigned
NJ budget keeps Stay NJ senior tax relief, with income tiers
What it means for youHomeowners 65 and older earning $100,000 or less can still get up to $6,500 in property tax relief. Incomes above $200,000 no longer qualify.
NJ budget keeps Stay NJ senior tax relief, with income tiers
Source: Jersey Vindicator
State House · New MexicoSigned
New Mexico law boosts fund that lowers health insurance premiums
What it means for youHouse Bill 4 sends more health insurance surtax money to the Health Care Affordability Fund, which helps lower premiums on BeWell plans. The governor signed it March 6, 2026.
State House · New YorkIn Effect
New York's Clean Slate Act: record sealing rolls out through 2027
What it means for youEligible misdemeanor convictions are sealed 3 years after release or sentencing, and felonies after 8, for many civil background checks. Courts have until November 16, 2027 to set up the system.
State House · North CarolinaSigned
NC signs first full budget since 2023, with Medicaid funded
What it means for youGov. Stein signed the 2026-27 budget July 7. It fully funds Medicaid, though federal changes will shift more Medicaid and SNAP costs to the state in coming years.
State House · North DakotaIn Effect
North Dakota's $1,600 homeowner credit and 3% levy cap
What it means for youMost North Dakota homeowners can get a $1,600 yearly credit on their primary home's property tax. Local governments' yearly property tax increases are capped at 3 percent.
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City Hall · AtlantaApproved
Atlanta Council votes 8-7 to sell city jail to Fulton County
What it means for youThe council approved a $68 million sale of the city jail to Fulton County. Final terms, including operations and employee transitions, still must be negotiated.
City Hall · New York CityUpcoming
NYC Council to vote on raising senior rent-freeze income limit
What it means for youSeniors and people with disabilities earning up to $75,000 could qualify for rent freezes, up from $50,000. A Finance Committee vote is set for Oct. 22.
NYC Council to vote on raising senior rent-freeze income limit
Source: The Real Deal
City Hall · Los AngelesUpcoming
LA voters decide on half-cent sales tax for fire department
What it means for youOn Nov. 3, LA voters decide whether to add a half-cent to the city sales tax for the fire department, raising about $345 million a year.
City Hall · ChicagoProposed
Chicago mayor's 2027 budget meets council tax opposition
What it means for youChicago faces roughly an $880 million budget gap. The mayor is expected to propose business taxes, while 29 aldermen say they oppose a head tax or property tax increase.
Chicago mayor's 2027 budget meets council tax opposition
Source: NBC Chicago
City Hall · HoustonApproved
Houston keeps its city property tax rate flat for 2026
What it means for youThe city rate stays at $0.519190 per $100 of taxable value, so a home with $340,000 in taxable value owes about $1,765 in city tax.
City Hall · PhiladelphiaUnder Review
Philadelphia Council votes to make City Hall bike lane permanent
What it means for youCouncil unanimously voted to make the Penn Square bike lane permanent. It replaced a car lane and now needs the mayor's signature.
Philadelphia Council votes to make City Hall bike lane permanent
Source: Hoodline
City Hall · DetroitUnder Review
Detroit weighs $300 million tax incentive for Renaissance Center plan
What it means for youBedrock and GM want a $300 million tax incentive for a $2.2 billion RenCen redevelopment. Residents are negotiating community benefits before Detroit City Council votes.
Detroit weighs $300 million tax incentive for Renaissance Center plan
- Bedrock Detroit and General Motors seek a $300 million tax incentive package through a Transformational Brownfield Plan.
- A nine-member resident Neighborhood Advisory Council is negotiating a community benefits agreement under the city's Community Benefits Ordinance.
- Many residents who spoke opposed the plan, the process or both, and the Brownfield Authority vote was set for Oct. 14.
- Not everyone opposed it, and the incentive repays costs from future tax revenue; Council and the state must approve by March 31, 2027.
Source: Outlier Media
City Hall · Washington, DCApproved
DC Council approves $300 million for Stadium-Armory Metro upgrades
What it means for youCouncil approved emergency funding to upgrade Stadium-Armory Metro and plan a Gold Line bus route to the new stadium site. The bus line's total cost is not yet known.
DC Council approves $300 million for Stadium-Armory Metro upgrades
- On Oct. 6, the Council approved two emergency measures: up to $300 million for Stadium-Armory and $5 million to plan the Gold Line.
- The Gold Line would run buses down the middle of H Street and Benning Road between Union Station and the stadium.
- Councilmember Charles Allen, who chairs the transportation committee, says work must start now to be ready for the 2030 NFL season.
- Allen has argued another station is needed along Benning Road, while Metro says an expanded entrance and more game-day service are enough.
Source: WJLA 7News
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