Providing for Consideration of H.R. Protecting Our Communities From Failure to Secure the Border Act of Providing for Consideration of H.R. No Funds for Iranian Terrorism Act; and Providing for Consideration of S.J. Res. Providing for Congressional Disapproval of the Rule Submitted By the Bureau of Consumer Financial Protection Relating to ``Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)''

Floor Speech

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Mr. RESCHENTHALER. Mr. Speaker, by direction of the Committee on Rules, I call up House Resolution 891 and ask for its immediate consideration.

The Clerk read the resolution, as follows: H. Res. 891

Resolved, That at any time after adoption of this resolution the Speaker may, pursuant to clause 2(b) of rule XVIII, declare the House resolved into the Committee of the Whole House on the state of the Union for consideration of the bill (H.R. 5283) to prohibit the use of Federal funds to provide housing to specified aliens on any land under the administrative jurisdiction of the Federal land management agencies. The first reading of the bill shall be dispensed with. All points of order against consideration of the bill are waived. General debate shall be confined to the bill and shall not exceed one hour equally divided and controlled by the chair and ranking minority member of the Committee on Natural Resources or their respective designees. After general debate the bill shall be considered for amendment under the five-minute rule. In lieu of the amendment in the nature of a substitute recommended by the Committee on Natural Resources now printed in the bill, an amendment in the nature of a substitute consisting of the text of Rules Committee Print 118-15 shall be considered as adopted in the House and in the Committee of the Whole. The bill, as amended, shall be considered as the original bill for the purpose of further amendment under the five-minute rule and shall be considered as read. All points of order against provisions in the bill, as amended, are waived. No further amendment to the bill, as amended, shall be in order except those printed in part A of the report of the Committee on Rules accompanying this resolution. Each such further amendment may be offered only in the order printed in the report, may be offered only by a Member designated in the report, shall be considered as read, shall be debatable for the time specified in the report equally divided and controlled by the proponent and an opponent, shall not be subject to amendment, and shall not be subject to a demand for division of the question in the House or in the Committee of the Whole. All points of order against such further amendments are waived. At the conclusion of consideration of the bill for amendment the Committee shall rise and report the bill, as amended, to the House with such further amendments as may have been adopted. The previous question shall be considered as ordered on the bill, as amended, and on any further amendment thereto to final passage without intervening motion except one motion to recommit.

Sec. 2. At any time after adoption of this resolution the Speaker may, pursuant to clause 2(b) of rule XVIII, declare the House resolved into the Committee of the Whole House on the state of the Union for consideration of the bill (H.R. 5961) to freeze certain Iranian funds involved in the 2023 hostage deal between the United States and Iran, and for other purposes. The first reading of the bill shall be dispensed with. All points of order against consideration of the bill are waived. General debate shall be confined to the bill and shall not exceed one hour equally divided and controlled by the chair and ranking minority member of the Committee on Foreign Affairs or their respective designees. After general debate the bill shall be considered for amendment under the five-minute rule. In lieu of the amendment recommended by the Committee on Foreign Affairs now printed in the bill, an amendment in the nature of a substitute consisting of the text of Rules Committee Print 118-14, modified by the amendment printed in part B of the report of the Committee on Rules accompanying this resolution, shall be considered as adopted in the House and in the Committee of the Whole. The bill, as amended, shall be considered as the original bill for the purpose of further amendment under the five-minute rule and shall be considered as read. All points of order against provisions in the bill, as amended, are waived. No further amendment to the bill, as amended, shall be in order except those printed in part C of the report of the Committee on Rules. Each such further amendment may be offered only in the order printed in the report, may be offered only by a Member designated in the report, shall be considered as read, shall be debatable for the time specified in the report equally divided and controlled by the proponent and an opponent, shall not be subject to amendment, and shall not be subject to a demand for division of the question in the House or in the Committee of the Whole. All points of order against such further amendments are waived. At the conclusion of consideration of the bill for amendment the Committee shall rise and report the bill, as amended, to the House with such further amendments as may have been adopted. The previous question shall be considered as ordered on the bill, as amended, and on any further amendment thereto to final passage without intervening motion except one motion to recommit.

Sec. 3. Upon adoption of this resolution it shall be in order to consider in the House the joint resolution (S. J. Res. 32) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to ``Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)''. All points of order against consideration of the joint resolution are waived. The joint resolution shall be considered as read. All points of order against provisions in the joint resolution are waived. The previous question shall be considered as ordered on the joint resolution and on any amendment thereto to final passage without intervening motion except: (1) one hour of debate equally divided and controlled by the chair and ranking minority member of the Committee on Financial Services or their respective designees; and (2) one motion to commit.

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Mr. RESCHENTHALER. Mr. Speaker, for the purpose of debate only, I yield the customary 30 minutes to the gentlewoman from New Mexico (Ms. Leger Fernandez), pending which I yield myself such time as I may consume. During consideration of this resolution, all time yielded is for the purpose of debate only. General Leave

Mr. Speaker, I rise in support of this rule and in support of the underlying legislation.

House Resolution 891 provides for consideration of three measures: H.R. 5283, H.R. 5961, and S.J. Res. 32.

The rule provides for consideration of H.R. 5283, the Protecting our Communities from Failure to Secure the Border Act of 2023 under a structured rule, with 1 hour of debate equally divided and controlled by the chair and ranking minority member of the Committee on Natural Resources or their respective designees, and provides one motion to recommit.

The rule makes in order two amendments.

Further, the rule provides for consideration of H.R. 5961, the No Funds for Iranian Terrorism Act under a structured rule, with 1 hour of debate equally divided and controlled by the chair and ranking minority member of the Committee on Foreign Affairs or their respective designees, and provides one motion to recommit.

The rule makes in order 12 amendments.

Finally, the rule provides for consideration of S.J. Res. 32, a resolution of Congressional disapproval related to a rule by the Consumer Financial Protection Bureau on small business lending under a closed rule, with 1 hour of debate equally divided and controlled by the chair and ranking minority member of the Committee on Financial Services or their respective designees, and provides one motion to recommit.

Mr. Speaker, since President Joe Biden took office, there have been 7.8 million illegal immigrant encounters, 1.7 million known got-aways, and hundreds of individuals on the terrorist watch list have been stopped at our southern border.

Instead of fixing this issue, the Biden administration and far-left radical Democrats have placed illegal immigrants in our public schools, in our airports, our police stations, and now our Federal lands.

In New York City, the Biden administration and far-left New York Democrats are housing hundreds of illegal immigrants on National Park Service land.

H.R. 5283 revokes New York City's lease and prevents all national parks and Federal lands from becoming tent cities.

Additionally, H.R. 5861 blocks President Biden's $6 billion ransom gift to the Iranian regime.

As an Iraq war veteran, I have seen firsthand Iran's death and destruction in the Middle East. They are responsible for the deaths of hundreds, if not thousands, of Americans in the Middle East.

Since Hamas' attack on October 7 against our number one ally, Israel, Iranian-backed proxies have attacked U.S. forces over 70 times in Iraq and Syria.

This is unthinkable. What is more unthinkable is that on the 22nd anniversary of 9/11, the Biden administration announced $6 billion in sanctions relief from the number one sponsor of terrorism, Iran.

These billions in sanctions relief will undoubtedly lead to more terrorist attacks, more attacks on Americans, and more attacks on innocent Israelis. That is why House Republicans will take action to freeze the funding that the Biden administration wants to send to the Ayatollah.

Lastly, the underlying legislation we will consider this week will address the Biden administration's CFPB guidance that places burdensome regulations on lenders and small business.

This new CFPB regulation will result in more compliance costs, it will create privacy concerns for small businesses, and adds to the bureaucratic regulatory environment that hinders hardworking Americans.

Mr. Speaker, I urge my colleagues to support this rule, and I reserve the balance of my time.

Ms. LEGER FERNANDEZ. Mr. Speaker, I thank the gentleman from Pennsylvania (Mr. Reschenthaler), my colleague on the Committee on Rules, for yielding, and I yield myself such time as I may consume.

Mr. Speaker, once again, House Republicans are spending a week on legislation that fails to solve many of the very real issues facing our constituents.

Last week, when I was in my district, my constituents shared with me their aspirations, their worries, and their vision for how to make our communities thrive for generations. Veterans from Hobbs described how hard it is to travel for access to healthcare and other services-- services that they have earned.

Seniors from Hobbs described the concern about paying their bills on a fixed income and the need to reduce costs. The Lovington mayor led us on a tour of the wastewater plant as he described the need to invest in water infrastructure in rural communities and thanked us for doing that and promoting such investment.

In Taos, New Mexico, ranchers and farmers working with the New Mexico Acequia Association, which for those of you who don't know, is a centuries-old system of providing irrigation to farmers and ranchers in New Mexico.

They talked to me about their concerns about growing their business amid the climate crisis that we are seeing and the drought conditions. These are real challenges that our constituents want us to fix, challenges that Congress has the ability and responsibility to address.

Does this rule make in order any bills to help address veterans' need to access healthcare?

Does it make in order any bills to help seniors pay their bills?

Does it help our rural communities access rural clean water systems?

Does it help our farmers keep their heritage and grow our foods?

Nope. It doesn't.

What are we doing this week?

We have a bill that prevents the use of Federal lands to provide temporary shelters for certain noncitizens, including migrants who are legally applying for asylum. It is a bill that fails to address the humanitarian crisis or security needs at our border.

Our colleagues across the aisle have consistently repeated harmful theories, like the invasion theory, where they seek to demonize the communities I represent and from which I come. Their talking points simply inflame the issue rather than looking to solve it.

This is just more of the same from a majority that is unable to govern effectively. Instead, we should pass legislation that actually improves our immigration system and acknowledges and upholds the dignity of immigrant communities.

There are real solutions to deal with the border. The Republican majority just doesn't want us to vote on them on this floor.

For example, the Dream and Promise Act has vast support from Americans, but will we see Republicans put it on the floor?

Nope.

The Farmer Workforce Modernization Act that has bipartisan support would help agricultural communities and help farmworkers, but will we see Republicans put it on the floor?

Nope.

We could move these bills, if only Republicans would stop blocking them. We will also consider today a resolution to reverse a Consumer Financial Protection Bureau rule. That rule would require lenders to collect and report information about the small business credit applications they receive, including geographic and demographic data, lending decisions, and the price of credit.

We know that many rural small businesses struggle with access to financial resources. It is important to know whether or not the banks, especially the big banks, are serving them.

Americans, the middle class, and small businesses want somebody on their side because they know the big banks and corporations aren't. That is why Americans across the political spectrum overwhelmingly support the Consumer Financial Protection Bureau.

Despite the strong public support, Republicans continue to attack the Bureau. The Democrats are on the side of small businesses when we stand up for the Bureau and its work.

We should support initiatives to bring capital to entrepreneurs and innovators, especially in rural America. A lot of that work happens because of credit unions, I might add. I support efforts to address the credit unions' concerns about the smaller entities.

A CRA, though, as proposed by the Republicans, is an overly broad and blunt tool that prevents an agency from promulgating any regulation in an area that it addresses.

This CRA that they have put forward would tie the hands of the Bureau. It would prevent them from rulemaking regarding data for small businesses, women-and minority-owned businesses.

We need access to this data to make sure that small businesses, women- and minority-owned businesses, rural businesses have access to capital. Investing in these small businesses is how we grow the middle class, and that is what Democrats are focused on. How do we grow the middle class.

Lastly, H.R. 5961 would freeze certain Iranian funds involved in the 2023 hostage deal between the U.S. and Iran. We must acknowledge, and do acknowledge, that Iran is dangerous and a state sponsor of terrorism. We cannot allow the terror to continue.

I must remind my Republican colleagues that the Rules Committee already reported a rule for this bill. Their own party blocked the House from voting on this bill when they voted down the rule on the floor.

This week we should be debating a bill with aid for our allies, including Israel, Ukraine, Taiwan, and others around the world, but I guess we are not.

I guess we should not be surprised with this rule. This is just a continuation of the chaos and closed process that has been a hallmark of this Republican-led House. We have seen over 40 closed rules on the floor that have blocked two-thirds of bipartisan amendments, including blocking half of all Republican amendments.

Republican leadership clearly hasn't made good on their promise to make the legislative process more open, inclusive, and accommodating.

This year, Republicans will have wasted nearly a month on internal politics just to elect a Speaker--time that could have been spent lowering costs for seniors and helping those veterans I mentioned earlier, time that could have been spent helping our farmers and ranchers, time that could have been spent helping to grow our middle class.

As Republicans continue to press forward legislation that seeks to further destroy and divide, House Democrats are working to improve the lives of everyday people.

House Democrats are committed to putting people over politics, to do what is right for everyday Americans; lowering costs, growing the middle class, and defending fundamental freedoms.

As we have all year, House Democrats continue to extend the hand of partnership to get things done for the American people, including passing legislation that invests in working families and keeping our Nation safe.

Mr. Speaker, I urge a ``no'' vote on this rule and a ``no'' vote on the underlying bills.

Mr. Speaker, we are about to witness a real-time fact check here. My colleague from New Mexico is talking about the amount of closed rules. I would remind my friends across the aisle that in the 117th Congress-- and that is when they were deciding which rules were going to be run-- 58 of their rules out of 89 were closed rules; that is approximately 61 percent. Spare me the lecture on closed rules.

We also have one bill coming to the floor that has 12 separate amendments. It is kind of rich hearing that criticism. What is even richer is the criticism that we, as Republicans, have done nothing about the border. Absolutely laughable.

As the Biden administration and far-left radical Democrats have ignored the southern border crisis, we passed H.R. 2 twice. Twice we passed it. I would invite any Democrat that actually wants to do something about the southern border to just vote for this underlying legislation that we are running.

Again, House Republicans have passed the Secure the Border Act of 2023. I will remind my friends across the aisle that act restarts construction of the border wall. It deploys advanced technology to the southern border. It increases Border Patrol agents and their pay. It strengthens and protects those provisions for unaccompanied minor children. It protects them from human trafficking, and it ends the disastrous policy of catch and release. It ends the catch and release policies of the far-left Democrats.

We have passed the FY24 Homeland Security Act as well that provides-- wait for it--over $2 billion for the border wall. It provides almost a half million dollars for 22,000 Border Patrol agents and billions in funding to remove dangerous criminals who have entered the United States interior illegally.

Now, this week, House Republicans will block the Biden administration and far-left radical Democrats from turning our Federal lands into the illegal immigrant housing that the Biden administration and far-left Democrats in our cities have turned them into.

Van Duyne).

Ms. VAN DUYNE. Mr. Speaker, I rise today in support of this resolution and to call attention to the ongoing crisis at our southern border.

President Biden and Secretary Mayorkas have turned our southern border into a land of lawlessness, triggering one of the worst national security, humanitarian, and public safety disasters our country has ever seen.

On day one, President Biden immediately repealed strong border security policies that were working. Under Biden and Mayorkas, we have shattered every illegal immigration record on the books, even as Mayorkas knowingly deceives Congress and the American people by saying, ``our border is closed.''

This administration's policies deliberately unleashed chaos by turning control of the border over to Mexican cartels and human traffickers, while simultaneously obstructing States' efforts to secure the border and denying CBP and law enforcement officers the resources necessary to stop the flow of deadly drugs, human slaves, and, very likely, terrorist cells into our country.

As a Representative of the great State of Texas, I see the results, the consequences of these deadly policies every day throughout my State.

This bill is crucial for ensuring public policies and public spaces that are paid for with taxpayer dollars do not become vast encampments for unvetted migrants, many of whom will be indebted to violent cartels.

Mr. Speaker, I urge my colleagues to support the passage of this important national security reform. It is clear that Secretary Mayorkas has no regard for the rule of law, and he does not take securing our border seriously.

Make no mistake, as long as Mayorkas remains in office, our border will remain unsecured and vulnerable to human and drug trafficking.

I stand firm in advocating for his impeachment, and I call on the Biden administration to offer border States the support they need to keep our communities safe.

Ms. LEGER FERNANDEZ.

This entire Congress, Republicans have tended to use titles for their bills that are extremely misleading. For example, today's rule includes the so-called Protecting our Communities from Failure to Secure the Border Act. Interestingly, though, this bill does not actually secure the border. In fact, it does not include any resources for States to deal with migrants who are awaiting processing. How is that protecting our communities? Let's invest where we need to address this issue.

Instead of addressing real problems at the border, Republicans are bringing up this unnecessary legislation to attack vulnerable migrants under the guise of protecting public lands. Remember, this is a public lands bill. It came out of the Natural Resources Committee. If they really cared about protecting public lands, they wouldn't have passed an Interior appropriations bill out of their committee that cuts nearly a billion dollars from the Federal land management agencies that are tasked with protecting these public lands.

The concern really isn't about protecting public lands, and it is not really about addressing the real immigration concerns. If they were really, truly interested in that, they would work with us to address the root causes of migration.

The most effective way to control the number of asylum-seekers arriving at our ports of entry is to help them stay in their home countries. They talk about that in some of their bills, but look at what they say and what they do.

Let's focus on what they actually do. They have put forward appropriations bills that actually cut funding for customs and border officers. They cut CBP funding. They cut money for fentanyl interdiction. That is what they actually do.

They may have bills with fancy titles and all this talk, but what happens when it comes to what they are funding? They are not funding with the necessary resources to address these issues.

For example, the last time we were in the Rules Committee, they were cutting funding for the FBI, DEA, and law enforcement agencies that we need to work on these issues. They are not supporting the kind of cutting-edge inspection machines that we need to detect fentanyl at our southwestern border ports of entry, like in the President's national security supplemental request.

I asked them if they were going to support the national security supplemental request with those provisions in it, if they were going to support the Democratic amendments in the border package earlier this year that would have made that bill better.

It is not a great bill. They focus on that wall. They are fixated on that wall. It is not what we need. We have seen report after report that it does not work. They just keep using migrants to score political points. This is the third bill we have seen this year, but none of them are true solutions.

If they were serious about solving the issues at our border, they would work with us on comprehensive legislation instead of these things that do absolutely nothing to fix the problem.

The problem isn't in New York City. It is their failure to work with us on legislation that would solve the issue.

It is time for another real-time fact check, Mr. Speaker. Homeland FY 2024 increased funding for border agents, $496 million for 22,000 new Border Patrol agents. That is the highest ever funded.

It is rich when I hear my colleagues from across the aisle talk about bills that are named one thing and do another. This is from a party that hung their entire term on the Inflation Reduction Act, which neither reduced inflation nor helped the economy. They later said that it was about preventing global warming. Again, it is rich coming from a party that often misnames their key legislation.

Let's talk about sanctuary cities because there is one thing that we can do. We can end sanctuary city policies. For years, Democrats have criticized House Republicans and President Trump for wanting to secure our border and protect our communities. They criticize us when we say that. When the crisis comes to their own backyard instead of a small rural town on the southern border, when it comes to their sanctuary cities, Democrats are the first ones to declare an emergency.

Look at Martha's Vineyard. When Ron DeSantis sent a few illegal immigrants to Martha's Vineyard, it took those woke yuppies less than 12 hours to call the National Guard to remove the illegal immigrants. I am willing to bet there were more ``Hate has no home here'' signs in the pristine, well-manicured yards at Martha's Vineyard than actual illegal immigrants, but they still called the National Guard to remove those immigrants from Martha's Vineyard.

Don't just take my word for it. Take New York City Mayor Eric Adams'. Over 110,000 migrants have reached New York City. Mayor Adams decried: ``The national government has turned its back on New York City.''

When illegal migrants showed up in Massachusetts, Governor Maura Healey declared a state of emergency and said the quiet part out loud: ``Massachusetts has stepped up to address what sadly has been a Federal crisis of inaction that is many years in the making.''

One thing is clear. Even Democrats now, in their sanctuary cities, are realizing that Biden has created this border crisis.

Democrats have ignored it for years. Republicans, thankfully, are finally stepping up and leading where they failed.

Any of my friends from across the aisle who want to help us, if they want to end this crisis, can vote for the rule today and vote for the underlying legislation.

Mr. Speaker, I don't know if my colleague from Pennsylvania was talking about the party as in 2003 or 2023 because the last time I checked, the Republicans are the party that supports the guys that shower after work not before.

The Chamber of Commerce has picked its side. It is with the Democrats. The billionaires that my friend from Pittsburgh was talking about--check how they are registered to vote. I am pretty sure--and I am willing to bet--that they all registered as Democrats, and far-left, extreme Democrats, by the way. All the Big Tech CEOs, Apple and Amazon, you name it, they are all far-left Democrats.

So this nostalgia for the day when Republicans supported big business and Democrats supported the little guy, it is just that, it is nostalgia. It is 2023, and we need to realize the new political realities.

When we are talking about numbers, I noticed that my friend from Pennsylvania didn't talk about the numbers relating to the destruction of Hamas during the over 3 minutes she had to address the Chamber. Let's talk about those numbers.

Hamas has killed over 1,500 Israelis since October 7, 2023. They have killed over 1,500 Israelis. They have injured over 6,900. Over 230 hostages were taken by Hamas in the Gaza Strip. Over 9,500 rockets have been fired from Gaza toward Israel. There were 32 Americans killed and several Americans are still missing.

While we are throwing out numbers, let's not forget to talk about the destruction Hamas has brought.

Ms. LEGER FERNANDEZ.

Mr. Speaker, actually the debate around Social Security, similar to the debate about the Consumer Protection Bureau and its regulations, does highlight the policies that the Democrats and Republicans pursue and who are the beneficiaries of those policies.

Let's look at Social Security and what the Republican Budget Committee is looking at. They are looking at raising the retirement age. Who actually pays for that?

When you raise the retirement age, it is going to be the janitors, nurses, educators, and the people doing the hard work in our manufacturing plants that are going to be required to work longer. They are going to be the ones who are going to have a hard time because they don't have additional savings like the wealthy. Right?

The wealthy aren't going to care about whether you raise the age to 67, 68, or 72 because they have the assets and they are not relying on Social Security. It is our workers who have paid into Social Security who have earned it and deserve it. They deserve to receive the benefits that we promised them when they started working and paying into the system.

What can we do to make sure that Social Security is solvent in the future?

Well, Democrats have a bill that we introduced last year, and we supported it this year. You make sure everybody pays--no matter how much money you make--into the system. Right now we know that the wealthy stop paying into the system at about $147,000.

Why doesn't everybody pay Social Security taxes on all their earnings?

Why aren't the wealthy paying their fair share?

That is a policy difference. It is the policy distinctions that we are focused on.

Once again, Democrats are standing with working Americans who are not earning $200,000, $300,000, $400,000, or $1 million a year. We say you should pay your fair share of your Social Security taxes rather than doing what they want to do, which is gut benefits. When you raise the Social Security age, you are gutting the benefits.

That is an example of the distinction of when you are standing with working Americans and when your policies that you support are increasing the middle class instead of standing with the wealthy.

Mr. Speaker, here is another real-time fact-check for you. Obama under ObamaCare took $700 billion from Medicare. You tell me who is trying to protect Medicare and Medicaid. It certainly wasn't the Obama administration when they were taking billions of dollars from the fund.

It is amazing the amount of time that my colleagues across the aisle talk about working families. Have they actually talked to working families?

When I am in my district talking to working families, not the woke yuppies that my friends across the aisle represent, but actually working Americans, they are talking about inflation. Let's look at the numbers.

When President Biden took office, President Trump had inflation where it was just 1.4 percent. Since then, prices have risen by 17 percent. By the way, real wages are going down, hurting working families and working Americans.

Prices have risen 17 percent and real wages are down. Credit card, auto loan, and consumer loan delinquencies are at the highest levels since the Great Recession. Just this morning, CBS News--the conservative news bash--reported that Americans need an extra $11,400 today just to afford the basics when compared to when President Trump was in office.

You tell me who is looking out for the working American. Something tells me it is not extreme, far-left Democrats that are looking out for their woke, affluent suburbs. All the while, the President has been misleading the American people.

Last week, our 81-year-old leader claimed Thanksgiving dinner was the fourth cheapest ever on record. Of course, that was false. Maybe it is his age showing, I don't know, but the truth is that it was the second most expensive Thanksgiving dinner ever.

If you want to talk about an all-time high, last year's inflation under the President's watch is an all-time high. It is clear, Bidenomics is broken economics. Democrats do not care about working Americans. Republicans do.

Let's talk about some more Bidenomics statistics. With the economy adding just 1,500 jobs in October, coming in below expectations, this is the second worst jobs report of the Biden Presidency.

The unemployment rate rose to 3.9 percent in October where the labor force participation rate actually declined. The average middle-class household has lost over $33,000 in real wealth in just this past year. That hurts people that are driving to work, driving to construction sites, and driving to work shifts at diners. It is not hurting the woke, yuppie base that the Democrats represent sitting at home on Zoom all day, having their EVs charging in their garage.

The average rate for a 30-year fixed mortgage is now at the highest level since 2000. This is bringing a disastrous effect to the housing market. Homeownership has been deemed unaffordable in 99 percent of the country. There are 73 percent of Americans that believe the economy is in bad shape, and more voters trust Republicans over Democrats to handle inflation, according to a recent AP-NORC poll.

Mr. Speaker, 58 percent of the Americans believe the economy is getting worse, and 69 percent believe the country is on the wrong track, according to an Economist/YouGov poll. That is not exactly a far-right polling outfit.

Half of Americans say their financial situation is worsening, according to a recent Harvard CAPS/Harris Poll. Biden's approval rating on the economy is at just 32 percent, the lowest of his Presidency, according to CNBC's All-American Economic Survey.

It is very clear that the American people know that Biden and far- left Democrats are hurting not only their job prospects, not only their ability to afford a home, but the entire economy and their ability just to afford the basics.

Mr. Speaker, I question any time a Democrat tells me they are watching out for the working American.

Ms. LEGER FERNANDEZ.

Mr. Speaker, I think we need to remember why we faced inflation in the first place. We need to remember that this country and the world faced down a pandemic that threatened to destroy our economy.

Let's go back to those dark days when we moved from the Trump Presidency to the Biden Presidency. Our businesses were closed. Our Main Streets were going to fall apart. Our city, local, and State governments were worried about whether they would be able to keep people on the payroll.

The Democrats passed the American Rescue Plan, and we did rescue the economy indeed. I go to my working-class district because my entire district is like that. That is my family. I come from those roots. I speak to those people on a regular basis.

Every town I go into, I look at the number of loans, the PPP, the Restaurant Revitalization Fund, the Shuttered Venue Operators Grant, and they are open now. Those communities are thriving because of the work we did. That was not the reason we saw inflation.

Mr. Speaker, it is time for another real-time fact check. By the way, let's not conflate interest rates with inflation. They are two totally separate things.

Let's talk about inflation. My friend from New Mexico said that inflation started during COVID. We know that when President Trump left office, inflation was at 1.4 percent. In June 2022, when Biden was in office, it was 9.1 percent. That is almost a record high. Yes, inflation is slightly less than it was, coming down from the all-time high.

Nevertheless, Mr. Speaker, facts don't care about your feelings, and they don't care about your political persuasion. Try arguing the difference between 9.1 percent inflation and 1.4 percent inflation. Good luck with that.

We all know who is to blame: Biden and far-left, radical Democrats.

Also, to talk about how great the economy is and unemployment, the unemployment rate actually rose in October to 3.9 percent while the labor force participation rate declined. It is actually worse than 3.9 percent if you are reading into that statistic, Mr. Speaker.

Again, this is quite amazing. Not only has President Biden totally botched the economy and Bidenomics, but he has repeatedly botched foreign affairs. Obama's own Defense Secretary, Robert Gates, once said that Joe Biden has managed to get every single foreign policy decision wrong in his entire career.

One of the big mistakes that Biden made, when we talk about foreign affairs, was when he decided to delist the Houthis as a terrorist organization. Here is a quick history lesson. In 2021, due to pressure from the Iranian regime, and for whatever reason the Biden administration is fixated on appeasing the Iranian regime, the Iranian regime was putting pressure on the Biden administration to delist the Houthis as a foreign terrorist organization. For those who don't know, the Houthis are an Iranian-backed proxy group that wreaks havoc across the Middle East.

In recent weeks, the Houthis have carried out drone and missile attacks against Israel. They have attacked and seized commercial vessels in the Red Sea. They have fired rockets at the U.S. Navy, including the USS Mason, the USS Thomas Hudner, and the USS Kearny.

It is past time for the Biden administration to get tough with Iran and designate the Houthis as the foreign terrorist organization that they are.

Ms. LEGER FERNANDEZ.

Mr. Speaker, let me respond to the comment about not talking about interest rates. The gentleman talked about mortgage rates, and mortgage rates are tied to the Federal Reserve. So, once again, understanding how our economy works and which agency and entity has control over that is very important.

I also want to talk about the idea of who is trusted. He mentioned some polls with regard to who is trusted on the economy. The reality is that we are right now in the people's House. We are the Representatives who are closest to the people and who are out there meeting with them. This is what the Founders intended. When the Founders created the House of Representatives, they wanted to make sure that we were a miniature of America and that we were in constant communication.

I know that that is what we do. I know that is what my colleagues do and what I do. We go out and talk with them. We listen to their stories and bring them back. We decide, based on what we hear, what we are going to prioritize.

I like the fact that Democrats, that my party, those of us on this side of the aisle, go out to listen and come back and push for policies that are going to lower costs, like the Inflation Reduction Act did where we lowered the cost of prescription drugs and where we made sure that nobody is going to pay more than $35 a month for insulin. People have been asking for that.

For the first time, we are going to negotiate with Big Pharma to bring down those costs where there is going to be a $2,000 out-of- pocket limit for prescription drugs. These are important ways in which we are lowering costs.

We are lowering costs by making sure that we are providing homeowners and renters with the ability to lower their energy costs, whether that is putting in renewable energy facilities and solar panels or insulating homes.

Those are the kinds of things that my colleagues across the aisle, my good friends, might not understand, like how important it is to insulate your house. I am from where it is cold, so getting those insulation credits is important. It lowers costs.

Because of this work that we have done, I know that there is an aggregated poll out that points to the fact that Democrat incumbents are trusted in the House at a rate that is so further beyond our Republicans. They are underwater by 14 points. Their own constituents know that they are not fighting for their economic benefit.

Nevertheless, what we have seen this year is chaos and dysfunction take over the House under Republican leadership. While Democrats have been ready to put people over politics and deliver for America through bipartisan legislation, our colleagues across the aisle continue to introduce bills like we are considering today that focus more on culture wars and nonsolutions.

Today, we have an immigration bill that does not address the root causes of migration, offer solutions for our broken systems, or provide any resources to help the U.S. citizenship or immigration system or Customs and Border Patrol address an increase in migrants.

In this bill, they might talk about a lot of things, but that is not what this bill does. This bill does not address any of those key issues. Instead, it restricts the Departments of the Interior and Agriculture's ability to manage their lands. These agencies are in charge of managing our public lands, and we need to let them do their job.

We have a bill that fails to help our small businesses even when we know that SBA low-interest loans have helped thousands of entrepreneurs grow their businesses and the economy. Instead, they would seek to make those Federal loans less transparent and would cripple the Consumer Financial Protection Bureau's ability to address disparities in lending.

Mr. Speaker, I urge a ``no'' vote on the rule, and I yield back the balance of my time.

Mr. Speaker, I can't believe that, once again, I am here on the House floor explaining to my friends across the aisle that there is a difference between interest rates and inflation. They are two separate things. They shouldn't be conflated. I am shocked that I have to explain this to Members who are elected to Congress. It is quite amazing.

It is very clear, the difference between inflation and interest rates.

There is another thing that is very clear that Democrats don't seem to understand, and that is that President Biden's foreign policy agenda benefits our foreign adversaries and not the American people. From the failed withdrawal from Afghanistan to the $6 billion in sanctions relief to Iran, to the draining of our Strategic Petroleum Reserve and also the fast-tracking of Putin's Nord Stream 2 project, it has been disastrous.

Mr. Speaker, look at the invasion of Ukraine, a terrorist safe haven in Afghanistan, an emboldened China, and a destabilized Middle East. This legislation before us will protect our servicemembers in the Middle East. It will place additional pressure on the Iranian regime.

Additionally, we have another Biden-fueled disaster right here at home at our southern border. The White House now wants to exacerbate this crisis further by placing tent cities on Federal lands.

In Pennsylvania, our Commonwealth is home to several national parks, including the Flight 93 National Memorial, Fort Necessity National Battlefield, and Friendship Hill National Historic Site, all of which are in my congressional district. These are places for Americans and their families, not camps for those who broke our laws and are here illegally.

The underlying legislation will protect our national parks from the Biden administration's and the Democrats' radical, far-left immigration policies.

Finally, the Biden administration's attempt to burden our local lenders with extra costs would do irreparable harm to our Nation's 33 million small businesses. During a time when Bidenomics is failing the American people, it is critical we support efforts to make the American Dream more achievable, not insert partisan politics into small business lending. That is why the House will nullify this far-left, radical rulemaking by the Biden administration and Democrats.

Mr. Speaker, I urge my colleagues to vote ``yes'' on the previous question and ``yes'' on the rule.

The material previously referred to by Ms. Leger Fernandez is as follows: An Amendment to H. Res. 891 Offered by Ms. Leger Fernandez of New Mexico

At the end of the resolution, add the following:

Sec. 4. Immediately upon adoption of this resolution, the House shall proceed to the consideration in the House of the resolution (H. Res. 178) affirming the House of Representatives' commitment to protect and strengthen Social Security and Medicare. The resolution shall be considered as read. The previous question shall be considered as ordered on the resolution and preamble to adoption without intervening motion or demand for division of the question except one hour of debate equally divided and controlled by the chair and ranking minority member of the Committee on Ways and Means or their respective designees.

Sec. 5. Clause 1(c) of rule XIX shall not apply to the consideration of H. Res. 178.
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Mr. RESCHENTHALER. Mr. Speaker, on that I demand the yeas and nays.

The yeas and nays were ordered.

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