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Protect Our CREDIT Act of 2023

Source: Congress.gov  ·  2,707 words in original text
This bill creates a new process that allows the President to increase the debt ceiling (the legal limit on how much money the U.S. government can borrow) without requiring Congress to pass a separate bill. Instead, Congress would have 15 legislative days to pass a disapproval resolution (a formal vote saying "no") to block the increase. If Congress does not pass a disapproval resolution within that time, the debt ceiling automatically increases. ##
The President, Congress (both the House of Representatives and Senate), and by extension, all Americans who depend on government programs and services funded through borrowing. ##
- The President must submit a written certification to Congress each year before the fiscal year begins, stating how much additional money the government needs to borrow to meet existing commitments (Sec. 2(b)(1)) - If during the year the government's debt gets within $250,000,000,000 of the debt limit and the President determines more borrowing is necessary, the President must submit another certification to Congress with an explanation of the difference from the annual submission (Sec. 2(b)(2)) - If Congress does not pass a disapproval resolution within 15 legislative days of receiving the President's certification, the debt ceiling automatically increases by the amount specified in the certification (Sec. 2(b)(3)) - If Congress passes a disapproval resolution within 15 legislative days, the debt ceiling does not increase by that amount, and instead increases only by the amount of obligations actually issued during the 15-day period that were necessary to pay for commitments requiring payment during that period (Sec. 2(b)(4) and 2(c)(2)) - The House of Representatives must report any disapproval resolution out of committee within 5 calendar days of introduction, and can move to consider the resolution no later than the sixth day after introduction (Sec. 2(d)(1) and 2(d)(2)) - The Senate must immediately place any disapproval resolution on its calendar and can move to consider it beginning the day after Congress receives the President's certification through the sixth day after the resolution is introduced (Sec. 2(e)(1) and 2(e)(2)) ##
A new section called "Additional Presidential modification of the debt ceiling" is added to federal law. This creates a fast-track process where the debt ceiling can increase automatically unless Congress votes to disapprove it within a strict timeframe. The current process, which requires Congress to affirmatively pass legislation to raise the debt ceiling, changes to one where Congress must actively block an increase instead. ##
- **Joint resolution**: A formal legislative proposal defined by this bill as having no preamble (introduction), a specific title about disapproving the President's debt ceiling increase, and specific required language, and must be introduced within 3 legislative days of Congress receiving the President's certification (Sec. 2(a)) - **Existing commitments**: Not explicitly defined in the bill text ##
Not specified in bill text
Important: This plain English summary was generated by AI and is provided for informational purposes only. It is not legal advice. Always consult the official bill text on Congress.gov or a qualified attorney for legal matters.