Monica De La Cruz

Lowering Costs for Caregivers Act of 2025

To amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, to prohibit the use of central bank digital currency for monetary policy, and for other purposes.

To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes.

To amend the Consumer Financial Protection Act of 2010 to clarify standards for UDAAP enforcement actions brought by the Bureau of Consumer Financial Protection, and for other purposes.

To require the Director of the Financial Crimes Enforcement Network to publish an annual Financial Trend Analysis describing illicit financial schemes and methods related to the trafficking of fentanyl and other synthetic opioids, and for other purposes.

Making emergency supplemental appropriations to respond to the attacks in Israel for the fiscal year ending September 30, 2024, and for other purposes.

To require the Secretary of the Treasury to report on financial institutions’ involvement with officials of the Iranian Government, and for other purposes.

To freeze certain Iranian funds involved in the 2023 hostage deal between the United States and Iran, and for other purposes.

To prohibit the Secretary of the Treasury from authorizing certain transactions by a United States financial institution in connection with Iran, to prevent the International Monetary Fund from providing financial assistance to Iran, to codify prohibitions on Export-Import Bank financing for the Government of Iran, and for other purposes.

To raise the consolidated assets threshold under the small bank holding company policy statement, and for other purposes.

To direct the United States Executive Directors at the international financial institutions to use voice, vote, and influence of the United States to prevent companies from countries that actively or tacitly supported the Russian invasion of Ukraine from benefitting from its reconstruction, and for other purposes.

To require the Secretary of the Treasury to harmonize the effective dates of all rules required under the Corporate Transparency Act, and for other purposes.

To amend title 31, United States Code, to require the Director of the Financial Crimes Enforcement Network to be appointed by the President and confirmed by the Senate, and for other purposes.

To amend the Federal financial laws to increase financial regulatory accountability and transparency, and for other purposes.

To amend the Riegle Community Development and Regulatory Improvement Act of 1994 to require the Director of the Community Development Financial Institutions Fund to testify on an annual basis before the Financial Services Committee of the House of Representatives and the Banking, Housing, and Urban Affairs Committee of the Senate.

To provide that under the securities laws certain disclosures related to scope 3 greenhouse-gas emissions may not be required.

To amend the Permanent Electronic Duck Stamp Act of 2013 to allow States to issue electronic stamps under such Act, and for other purposes.

To amend the Higher Education Act of 1965 to include certain individuals who work on farms or ranches as individuals who are employed in public service jobs for purposes of eligibility for loan forgiveness under the Federal Direct Loan program.

To change the Bureau of Consumer Financial Protection into an independent agency named the Consumer Financial Empowerment Agency, to transition the Agency to the regular appropriations process, and for other purposes.

To require the Secretary of the Treasury to mint coins to honor and memorialize the tragedy of the Sultana steamboat explosion of 1865.