Bills Reviewed by CBO That Contained Mandates

The Unfunded Mandates Reform Act (UMRA) requires CBO to estimate the cost of intergovernmental and private-sector mandates in bills and joint resolutions that have been reported by authorizing committees. CBO’s statements about mandates must indicate whether the aggregate annual cost of mandates in the bill would exceed thresholds established in UMRA ($50M for intergovernmental and $100M for private-sector in 1995, adjusted annually for inflation).

This page lists individual private-sector mandates; filters on the left can narrow search results.

—Search Laws That Contain Mandates
—CBO’S Activities Under the Unfunded Mandates Reform Act

Thresholds For Private-Sector Mandates Since 2000
$164M in 2019
$160M in 2018
$156M in 2017
$154M in 2016
$154M in 2015
$152M in 2014
$150M in 2013
$146M in 2012
$142M in 2011
$141M in 2010
$139M in 2009
$136M in 2008
$131M in 2007
$128M in 2006
$123M in 2005
$120M in 2004
$117M in 2003
$115M in 2002
$113M in 2001
$109M in 2000
  • Regular = Costs Fall Below the Statutory Threshold ($82M in 2019)
  • Bold = Costs Exceed the Statutory Threshold ($82M in 2019)
  • Italic = Costs Could Not Be Determined
  • Regular = Costs Fall Below the Statutory Threshold ($164M in 2019)
  • Bold = Costs Exceed the Statutory Threshold ($164M in 2019)
  • Italic = Costs Could Not Be Determined
Bill Description of Mandate

Mental Health Care Legislation

As ordered reported by the House Committee on Ways and Means on September 21, 2022
  • Committee Print 117-3, Section 1, Requiring Coverage of Forensic Medical Exams With No Cost Sharing, would impose a private-sector mandate by requiring group health plans and insurance issuers to waive cost sharing requirements for forensic medical exams that result in a medical emergency. Based on published information about how often such examinations occur and how much they cost, CBO estimates that the cost of the mandate would not exceed the annual private-sector threshold established in UMRA.
  • Committee Print 117-4, Section 1, Provider Directory Improvements to Enhance Enrollee, Participant, and Beneficiary Access, would impose private-sector mandates by requiring health care providers and facilities to inform group health plans and insurers whether they are accepting new patients and by requiring the plans to include that information in provider directories. Because these are largely administrative duties that are similar to existing communication requirements, CBO estimates that the cost of the mandates would not exceed the annual private-sector threshold established in UMRA.
  • Committee Print 117-4, Section 2, Ensuring Mental Health and Substance Use Disorder Benefits Are Defined Pursuant to External Benchmarks Based on Nationally Recognized Standards, would impose a private-sector mandate by requiring group health plans and insurance issuers to use standardized definitions of mental health conditions and substance use disorders. Because most plans already use recognized standard definitions, CBO estimates that the cost of the mandate would not exceed the annual private-sector threshold established in UMRA.
  • Committee Print 117-5, Section 1, Requiring Disclosure of Percentage of In Network Participation for Certain Provider Types, would impose a private-sector mandate by requiring group health plans and insurers to publish information on behavioral health care and substance use disorder treatment providers under contract in their service areas. Because these duties are primarily administrative, CBO estimates that the cost of the mandate would not exceed the annual private-sector threshold established in UMRA.
  • Committee Print 117-5, Section 2, Improved Access to Group Health Plan and Health Insurance Coverage Summary of Benefits and Coverage Explanation, would impose a private-sector mandate by requiring group health plans and insurance issuers to submit summary information on benefits and coverage to the federal government in a machine-readable format. Because those entities already provide similar information to enrollees and applicants, CBO estimates that the cost of the mandate would not exceed the annual private sector threshold established in UMRA.

H.R. 3622, Restoring Unfairly Impaired Credit and Protecting Consumers Act

As ordered reported by the House Committee on Financial Services on July 11, 2019
  • Requires consumer reporting agencies to offer identity theft protection and credit monitoring services free of charge
  • Requires consumer reporting agencies to remove adverse loan information from borrowers claiming fraud in private education loans
  • Prohibits developers of credit scoring models from attributing a consumer’s participation in credit restoration or rehabilitation as adverse information
  • Prohibits individuals who obtain consumer reports from using credit restoration and rehabilitation information when establishing a consumer’s eligibility for credit or for employment purposes
  • Requires businesses to disclose records of fraudulent commercial transactions to law enforcement and victims
  • Requires consumer reporting agencies to change their webpages to inform consumers of various fraud alerts and credit freezes
  • Requires consumer reporting agencies to insert fraud alerts in files of consumer affected by unauthorized disclosure of personally identifiable information
  • Requires consumer reporting agencies to meet shorter deadlines to remove paid tax liens from consumer reports
  • Requires consumer reporting agencies to remove adverse credit information from a consumer report that has been resolved either through completed payment or court settlements

H.R. 3642, Improving Credit Reporting for All Consumers Act

As ordered reported by the House Committee on Financial Services on July 11, 2019
  • Requires entities that investigate consumers and provide information to consumer reporting agencies to notify consumers on the results of those investigations
  • Requires entities that provide information to consumer reporting agencies to ensure personnel involved in reinvestigations are located within the United States
  • Requires entities that provide information to consumer reporting agencies to maintain that information
  • Requires entities that provide information to consumer reporting agencies to verify consumer reporting agencies have correct information in a disputed consumer report

H.R. 5377, Restoring Tax Fairness for States and Localities Act

As ordered reported by the House Committee on Ways and Means on December 11, 2019.
  • Increases the highest marginal tax rate for individual taxpayers

S. 1790, National Defense Authorization Act for Fiscal Year 2020

As posted on the website of the House Committee on Rules on December 9, 2019. A letter to the Chairmen and Ranking Members of the House Committees on the Budget, Armed Services, and the Judiciary and to the Chairwoman and Ranking Member of the House Committee on Oversight and Reform regarding the statutory pay-as-you-go effects of S. 1790 and the budgetary effects of the Federal Employee Paid Leave Act.
  • Establishes reporting requirements on industrial facilities that use, process, manufacture, or import a certain group of perfluoroalkyl and polyfluoroalkyl (PFAS) substances
  • Eliminates the ability of public and private entities to appeal the federal government's decision to take land into trust for the benefit of the Chumash Tribe
  • Imposes new reporting requirements on prime contractors for the Navy who experience manufacturing disruptions or stop work orders lasting more than 15 days
  • Increases the cost of complying with existing private-sector mandates by increasing the authorized end strength for active-duty personnel
  • Prohibits individuals or entities in the United States from engaging in activities that otherwise would be permitted under law by expanding sanctions on North Korea to include transactions with entities that provide financial services to persons listed on the sanctions list
  • Prohibits individuals or entities in the United States from engaging in activities that otherwise would be permitted under law, such as accessing property that has been frozen by sanctions on opioid traffickers
  • Prohibits individuals or entities in the United States from engaging in activities that otherwise would be permitted under law, such as accessing property that has been frozen by sanctions on persons complicit in human rights violations in Syria
  • Prohibits individuals or entities in the United States from engaging in activities that otherwise would be permitted under law, such as accessing property that has been frozen by sanctions on persons who provided vessels to construct the Nord Stream 2 or the Turkstream pipeline
  • Retroactively changes agreements between DoD and landlords that service military housing constructed under alternative authorities

H.R. 1186, Keep Americans Safe Act

As ordered reported by the House Committee on the Judiciary on September 10, 2019
  • Prohibits manufacturers, importers, and dealers of high-capacity magazines and accessories from selling or transferring the devices to civilians
  • Increases requirements on manufacturers and importers of the devices

H.R. 3, Elijah E. Cummings Lower Drug Costs Now Act

As posted by the House Committee on Rules on December 6, 2019 (Rules Committee Print 116 41), and including modifications discussed with staff
  • Requires manufacturers of selected drugs to provide those drugs to commercial insurance plans at prices set by negotiation with the federal government
  • Requires drug manufacturers and group health plans to submit pricing, sales, rebate, and other information to the Congress

H.R. 4674, College Affordability Act

As ordered reported by the House Committee on Education and Labor on October 31, 2019
  • Requires all institutions of higher education to establish an office of accessibility
  • Requires financial institutions holding private education loans to meet new reporting requirements

S. 2877, Terrorism Risk Insurance Program Reauthorization Act of 2019

As reported by the Senate Committee on Banking, Housing, and Urban Affairs on December 3, 2019
  • Requires policyholders of property and casualty insurance to pay surcharges for insurance to cover a certified terrorist attack
  • Requires property and casualty insurers to collect and report information about terrorism insurance policies
  • Require property and casualty insurers to collect surcharges from policyholders
  • Requires property and casualty insurers to offer terrorism insurance

H.R. 2474, Protecting the Right to Organize Act of 2019

As ordered reported by the House Committee on Education and Labor on September 25, 2019
  • Broadens employers’ reporting requirements related to labor-management representation and collective bargaining efforts
  • Prohibits and voids pre-dispute arbitration agreements and clauses that prevent employees and independent contractors from engaging in labor-related class action lawsuits
  • Prohibits employers from changing working conditions and replacing employees during collective bargaining negotiations
  • Requires employers to allow employees to use electronic and communication equipment for labor organization activities
  • Requires employers to maintain the current level of wages and working conditions for employees during a collective bargaining process
  • Requires employers to post notice of employees' and potential employees’ rights
  • Prohibits employers from participating in union elections