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American Affordability Act of 2025

H.R. 6900 Rep. Mike Thompson (D-CA-4) In committee
Bill text PDF
  1. Introduced Dec 18
  2. Committee Dec 18
  3. Passed House Next
  4. Passed Senate Not yet
  5. To President Not yet
  6. Law Not yet
Where it stands
In committee, Dec 18, 2025Next: House vote
314d ago Dec 18, 2025: Referred to the Committee on Ways and Means, and in addition to the Committees on Education and Workforce, and Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Final votes
No roll callsNo recorded vote on this bill yet
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Summary

The American Affordability Act of 2025 amends the Internal Revenue Code to address the cost-of-living crisis through tax credits and incentives for housing, energy, child care, education, and healthcare.

Title I, Housing and Municipal Infrastructure: Increases state allocations for the low-income housing credit, modifies tenant eligibility rules, and creates new credits for converting non-residential buildings to affordable housing, neighborhood homes, and first-time homebuyers. It also increases the exclusion of gain from sale of a principal residence and establishes a refundable credit for rent paid.

Title II, Lowering Energy Costs: Extends and modifies credits for clean energy production, clean electricity investment, advanced manufacturing, and energy-efficient home improvements. It also extends credits for electric vehicles and charging infrastructure, and creates new credits for water reuse projects and recycling property.

Title III, Child and Dependent Care: Establishes a refundable child tax credit with monthly advance payments, enhances the child and dependent care tax credit, increases maximum contributions to dependent care assistance programs, and creates a refundable adoption tax credit.

Title IV, Education and Workforce Training: Expands the American opportunity credit to six years and makes it fully refundable, expands Pell Grant exclusion from gross income, and allows deductions for educator expenses, certain employee expenses, cash tips, and overtime pay.

Title V, Healthcare: Increases eligibility for the health insurance premium assistance tax credit, fills the coverage gap, freezes the premium adjustment percentage increase, and requires coverage of certain immunizations.

Summary of the bill text as introduced in House (Dec 18, 2025), generated by SecBot from the official bill text; the Library of Congress summary is not yet published.

Official record from Congress.gov, the House Clerk and the Senate; lobbying from Lobbying Disclosure Act filings. Updated Oct 27, 2026.