[House Hearing, 118 Congress]
[From the U.S. Government Publishing Office]


               FINANCIAL SERVICES AND GENERAL 
             GOVERNMENT APPROPRIATIONS FOR 2025
_______________________________________________________________________

                                 HEARINGS

                                 BEFORE A

                           SUBCOMMITTEE OF THE

                       COMMITTEE ON APPROPRIATIONS

                         HOUSE OF REPRESENTATIVES

                     ONE HUNDRED EIGHTEENTH CONGRESS

                              SECOND SESSION
  
                               ______________
                               
        SUBCOMMITTEE ON FINANCIAL SERVICES AND GENERAL GOVERNMENT

                     STEVE WOMACK, Arkansas, Chairman

  MARK E. AMODEI, Nevada
  DAVID P. JOYCE, Ohio
  JOHN R. MOOLENAAR, Michigan
  ASHLEY HINSON, Iowa
  MICHAEL CLOUD, Texas
  JERRY L. CARL, Alabama
  CHUCK EDWARDS, North Carolina

  STENY H. HOYER, Maryland,
    Ranking Member
  MATT CARTWRIGHT, Pennsylvania
  MARK POCAN, Wisconsin
  SANFORD D. BISHOP, Jr., Georgia
  NORMA J. TORRES, California

  NOTE: Under committee rules, Ms. Granger, as chairwoman of the full 
committee, and Ms. DeLauro, as ranking minority member of the full 
committee, are authorized to sit as members of all subcommittees.

                    Marybeth Nassif, Kathryn Maxwell,
                   Susan Occhipinti, and Nick Goranites
                            Subcommittee Staff
                              ______________
                            
 
                                  PART 1

                                                                   Page
  President Biden's Fiscal Year 2025 
Budget Request and Economic Outlook........................           1

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          Printed for the use of the Committee on Appropriations

                    U.S. GOVERNMENT PUBLISHING OFFICE

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                   HOUSE COMMITTEE ON APPROPRIATIONS

                                ----------                              
                       KAY GRANGER, Texas, Chair


  HAROLD ROGERS, Kentucky,
    Chairman Emeritus
  ROBERT B. ADERHOLT, Alabama
  MICHAEL K. SIMPSON, Idaho
  JOHN R. CARTER, Texas
  KEN CALVERT, California
  TOM COLE, Oklahoma
  MARIO DIAZ-BALART, Florida
  STEVE WOMACK, Arkansas
  CHARLES J. ``CHUCK'' FLEISCHMANN,
    Tennessee
  DAVID P. JOYCE, Ohio
  ANDY HARRIS, Maryland
  MARK E. AMODEI, Nevada
  DAVID G. VALADAO, California
  DAN NEWHOUSE, Washington
  JOHN R. MOOLENAAR, Michigan
  JOHN H. RUTHERFORD, Florida
  BEN CLINE, Virginia
  GUY RESCHENTHALER, Pennsylvania
  MIKE GARCIA, California
  ASHLEY HINSON, Iowa
  TONY GONZALES, Texas
  JULIA LETLOW, Louisiana
  MICHAEL CLOUD, Texas
  MICHAEL GUEST, Mississippi
  RYAN K. ZINKE, Montana
  ANDREW S. CLYDE, Georgia
  JAKE LaTURNER, Kansas
  JERRY L. CARL, Alabama
  STEPHANIE I. BICE, Oklahoma
  SCOTT FRANKLIN, Florida
  JAKE ELLZEY, Texas
  JUAN CISCOMANI, Arizona
  CHUCK EDWARDS, North Carolina

  ROSA L. DeLAURO, Connecticut,
    Ranking Member
  STENY H. HOYER, Maryland
  MARCY KAPTUR, Ohio
  SANFORD D. BISHOP, Jr., Georgia
  BARBARA LEE, California
  BETTY McCOLLUM, Minnesota
  C.A. DUTCH RUPPERSBERGER, Maryland
  DEBBIE WASSERMAN SCHULTZ, Florida
  HENRY CUELLAR, Texas
  CHELLIE PINGREE, Maine
  MIKE QUIGLEY, Illinois
  DEREK KILMER, Washington
  MATT CARTWRIGHT, Pennsylvania
  GRACE MENG, New York
  MARK POCAN, Wisconsin
  PETE AGUILAR, California
  LOIS FRANKEL, Florida
  BONNIE WATSON COLEMAN, New Jersey
  NORMA J. TORRES, California
  ED CASE, Hawaii
  ADRIANO ESPAILLAT, New York
  JOSH HARDER, California
  JENNIFER WEXTON, Virginia
  DAVID J. TRONE, Maryland
  LAUREN UNDERWOOD, Illinois
  SUSIE LEE, Nevada
  JOSEPH D. MORELLE, New York

              Anne Marie Chotvacs, Clerk and Staff Director

                                   (II)

 
   FINANCIAL SERVICES AND GENERAL GOVERNMENT APPROPRIATIONS FOR 2025

                              ----------                             


                                          Thursday, March 21, 2024.

 PRESIDENT BIDEN'S FISCAL YEAR 2025 BUDGET REQUEST AND ECONOMIC OUTLOOK

                               WITNESSES

HON. JANET YELLEN, SECRETARY, DEPARTMENT OF THE TREASURY
HON. SHALANDA YOUNG, DIRECTOR, OFFICE OF MANAGEMENT AND BUDGET
HON. JARED BERNSTEIN, CHAIRMAN, COUNCIL OF ECONOMIC ADVISERS
    Mr. Womack. Before we get started here this afternoon, 
first of all, I want to apologize for the delay. We had this 
thing called voting on the floor, which is something we do here 
in the House. So we're getting underway just a little bit late 
this afternoon.
    I want to remind everyone that we will follow the five-
minute rule for opening remarks, questions, and comments. 
Members will be recognized in order of seniority based on who 
is seated at the beginning of the hearing, going back and forth 
between the parties. Latecomers will be recognized in the order 
of their arrival, again, going back and forth between the 
parties.
    As a point of personal privilege, I would like to welcome 
our newest member to the subcommittee, the gentleman from North 
Carolina, Mr. Chuck Edwards. Chuck, welcome to the Subcommittee 
on Financial Services and General Government.
    So with that out of the way, let's get started. The 
Subcommittee on Financial Services and General Government will 
come to order. Welcome to our first subcommittee hearing on the 
fiscal 2025 president's budget request.
    Appearing before the subcommittee today are Treasury 
Secretary Janet Yellen, Office of Management and Budget 
Director Shalanda Young, and Chairman of the Council of 
Economic Advisors Jared Bernstein. I want to thank each of you 
for taking the time out of your busy schedules to be with us 
today. This will be an important discussion that should not be 
taken lightly.
    We are here today to discuss the Biden administration's 
fiscal year 2025 budget request and our nation's economic 
outlook. I am happy to share that this is the first time in 
over a decade that this committee has had a panel with the 
Treasury Secretary, OMB Director, and a council chair. Thank 
you for being here. Going forward, we hope to have you back 
more frequently. It is important for the American people to 
have more transparency into the financial direction of the 
country.
    It is my opinion that the reckless spending and out-of-
control regulatory expansion driven by this administration and 
democrats in Congress have pushed us into an economic downturn. 
Over the course of the Biden administration, we have seen 
families struggle to put food on the table, gas in their cars, 
and roofs over their heads. This is not the American way.
    President Biden has continued to ignore the hardships that 
these policies and irresponsible spending have unleashed on the 
American people, further evidenced by his fiscal 2025 budget 
request. This unsustainable trajectory is one of the greatest 
threats to American prosperity, also to America's security and 
future generations. Our nation's debt grows every day. However, 
President Biden refuses to claw back wasteful spending, as seen 
by the $7.3 trillion price tag on his requested budget.
    This budget is absent of improvements to mandatory 
spending. I want to say that again: it is absent of 
improvements to mandatory spending. That's 73 percent of our 
federal spending, and it remains on autopilot. Without 
implementing common sense structural changes, that percentage 
will continue to rise and the discretionary spending that funds 
our nation's defense, biomedical research, infrastructure, and 
much more will continue to shrink under the pressure.
    I would also be remiss if I didn't mention President 
Biden's regulatory regime, which has continued to harm small 
businesses, banks, and the taxpayers in Arkansas and across the 
nation. These burdensome and unnecessary regulations range from 
the SEC's consolidated audit trail whereby the SEC exceeds its 
statutory authority in collecting every American investors' 
personally identifiable information without their consent or 
knowledge to the Treasury's mature unredeemed debt, which 
remains unclaimed by millions of Americans because of the 
Treasury's unwillingness to turn information over to the 
states. This includes $214 million in my home state alone.
    In conclusion, it is obvious that I won't be able to 
support the level of spending included in the president's 
budget. Our members are taking a hard look at the spending 
request line by line and will determine the level of funding 
that prioritizes putting our fiscal house in order, consistent 
with the Fiscal Responsibility Act.
    I look forward to your testimony today and working with you 
on these important issues. And with that said, I will now 
recognize my colleague and my dear friend, our ranking member 
from Maryland, Mr. Steny Hoyer.
    Mr. Hoyer. There it is. Thank you very much, Mr. Chairman. 
I appreciate your comments. I may not agree with them, but I 
appreciate them. And I appreciate the way in which we are able 
to work together, notwithstanding differences, to come to a 
conclusion on behalf of the country.
    That this hearing occurs the same week that we finish our 
fiscal year 2024, we hope, appropriations, some six months 
after the fiscal year started, is a testament to how broken our 
appropriations process is. I know many of my colleagues on both 
sides of the aisle, including Chairman Womack, share that view. 
I am pleased that we are close to seeing final legislative text 
on a sensible, bipartisan funding deal. It shouldn't have taken 
this long, however. If my Republican colleagues honored the 
deal that 314 members of the House came to last summer, we 
would have finished these appropriations months ago. We must 
avoid these same mistakes as we start our work on 
appropriations for fiscal year 2025. I believe my friend, the 
chairman, shares my hope that we can pursue that mission in a 
more collaborative fashion. That includes working with the 
Biden-Harris administration to ensure that our federal agencies 
receive the resources they need to enforce the law, build a 
more resilient economy, and help the American people get ahead. 
President Biden's budget proposal is a great template for how 
we can continue investing in America.
    I must say, Mr. Chairman, as an aside, I am looking forward 
with great anticipation to the actions your party proposes with 
respect to the mandatory spending of which you speak. We will 
have some discussions about that, I am sure. By supporting the 
policies, including in the Inflation Reduction Act and other 
historic laws we passed last Congress, the president's budget 
would help lower Americans' costs. That includes essentials 
like health care premiums, prescription drugs, energy, insulin, 
and high-speed internet.
    As chair of the Regional Leadership Council, I am eager to 
hear from Secretary Yellen about the progress we have made to 
implement those laws in every corner of the country. I also 
look forward to hearing Director Young's insights on the other 
ways this budget invests in America and in Americans, whether 
it is expanding access to childcare or ensuring the integrity 
of our elections. Crucially, the budget accomplishes all of 
this while also reducing our deficit by $3.2 trillion over the 
next decade.
    Now, we can argue back and forth, but there is no doubt 
that the chairman is correct: we need to address the fiscal 
crisis confronting our country in terms of our debt, and we 
need to do that across the aisle. And it will be tough, but we 
need to do it. I am a big believer in fiscal responsibility, as 
are many of my friends across the aisle. Fiscal responsibility, 
however, means looking not only at spending but also at 
revenue. That ought to include providing much-needed funding to 
the IRS to enforce existing tax laws. I was not pleased this 
year at the figure that we have come because IRS, under both 
parties by the way, has been underfunded. While the Inflation 
Reduction Act's funding for the IRS has greatly improved the 
agency's taxpayer services, we must do more through the 
appropriations process to support its enforcement efforts. 
Every dollar we give to the IRS to collect legally-owed taxes, 
not increase in taxes, legally-owed taxes from high earners 
yields $12 in return, so that every one dollar we cut from 
enforcement, one could extrapolate costs us $12 in collections. 
If we are serious about reducing the deficit, we cannot afford 
to ignore revenue owed under laws already on the books.
    This is another strong budget, but I am disappointed that, 
for the first time, it doesn't maintain pay parity for military 
and civilian federal employees. I have expressed that 
disappointment to my dear friend, the budget OMB Director. 
Instead, it includes a 2-percent cost-of-living adjustment for 
federal civilian workers and a 4.5-percent COLA for members of 
the military. Now, let me explain what that means. You have a 
military guy, maybe he is a sergeant, a three-striper, a four-
striper, he is sitting, he is running a machine. You have a 
civilian sitting right next to him running the same machine, 
doing the same thing with the same responsibility, and getting 
a disparate pay, both living in the Washington, D.C. area. I 
hope our guests can shed some light on that discrepancy and 
what we can do to resolve it.
    I know Secretary Yellen, Director Young, and Chair 
Bernstein are here to discuss fiscal year 2025 appropriations. 
Many of us, however, would also like to hear their perspective 
on one of the most pressing issues facing our Congress today, 
and that is securing supplemental aid for our Ukrainian and 
Israeli friends. I have spoken three days in a row on money for 
Ukraine. We are going to go for a two-week vacation. We call it 
a district work period, and we all work, so it is not a 
vacation at all. The young men and women on the front lines in 
Ukraine are going to have no two weeks off. The young people 
flying their planes, which are not many, are going to have no 
time off. The people backing them up are going to have no time 
off. We need to pass the Ukraine supplemental now, and it is a 
damn shame that we haven't done that already. So I thank our 
guests for doing their part to support that effort, and I hope 
Congress will follow suit.
    Again, I want to count myself very, very fortunate to be 
the ranking member of a committee chaired by Steve Womack, who, 
in my view, is one of the most straightforward, honest, and 
effective leaders in this Congress. Thank you, Mr. Chairman.
    Mr. Womack. Thank you. Thank you for your kind words, 
Steny, and the feeling is mutual. At this time, the chair would 
like to recognize the ranking member of the full committee, the 
gentlelady from Connecticut, Ms. DeLauro.
    Ms. DeLauro. Thank you so much, Chairman Womack, and thank 
you, Ranking Member Hoyer, for really holding this very 
important hearing. And I want to say a big thank you to our 
witnesses, our guests today, Director Young, Secretary Yellen, 
Chairman Bernstein. Thank you for being here. Thank you for 
your public service to our country.
    Like the Appropriations Committee, the Office of Management 
and Budget and the Department of Treasury touch every corner of 
our nation and impact people at every stage of their lives: 
OMB, by preparing the president's budget request and then 
distributing funding after enactment; and Treasury, by paying 
our nation's bills and collecting our revenue that enables us 
to invest in families and in communities.
    Like appropriations bills, the president's budget presents 
a vision, a vision for our nation. It tells the story of what 
the administration cares most about in this country. The stakes 
for the American people are incredibly high, and I am thankful 
to all of you and we all agree that we take this responsibility 
that we have very, very--sorry. So thank you for taking your 
very important jobs so seriously.
    You directly influence government programs and services 
that hardworking Americans need in these challenging times for 
families, programs and services that help with the cost of 
living, lower their taxes, reduce drug and childcare costs, and 
support small businesses. Most importantly, you share our 
vision to strengthen workers' hands in winning higher wages, 
weaken the hand of the biggest corporations and Wall Street.
    Most families today are living paycheck to paycheck. It is 
not a sound bite or a campaign slogan; it is the fact. They 
struggle with the high cost for food, for childcare, for health 
care, and education for their children. And while fiscal year 
2024 is not yet closed out, I am pleased that Democrats and 
Republicans in the House and Senate united to reach a 
compromised spending agreement that supports working and middle 
class families, keeps our communities safe and our economy more 
equal. We are helping with the impossibly high cost of living. 
We are siding with the hardworking majority of Americans. We 
are protecting women's rights. We are reinforcing America's 
global leadership, and we are helping our communities be safe 
and secure.
    To continue this critical work, President Biden's 2025 
budget calls for vital increases in investments in the programs 
and the services that hardworking people, small businesses, and 
communities in need rely on. The president said during the 
State of the Union, and I quote, ``The way to make the tax code 
fair is to make big corporations and the very wealthy begin to 
pay their share.'' The president's budget request shows how we 
can invest in American families while lowering the deficit by 
increasing taxes on the wealthiest Americans and big 
corporations.
    My colleague, Mr. Hoyer, mentioned this, but I hear the 
argument from my colleagues on the other side of the aisle all 
of the time that we have a spending problem. I would disagree. 
We have a revenue problem in this country, and the President of 
the United States is prepared to fix that revenue problem. Too 
many corporations pay little or no tax at all: 55 pay no tax, 
another 39 don't pay their share of taxes. And the chronic 
underfunding of the IRS has allowed tax cheats and evaders to 
get by with limited scrutiny. I will continue to fight to 
ensure the IRS has the resources it needs to protect honest 
American taxpayers from those who skirt the law.
    I know that this budget blueprint would not be possible 
without the tireless and dedicated work of the staff in your 
agencies that adapt and respond to the economic challenges of 
our day. Secretary Yellen, I am glad to see a request for 
increased funding at the Department of Treasury. I look forward 
to discussing how the department will ensure the wealthiest 
Americans and large corporations pay their taxes, improve the 
taxpayer experience, increase community development and job 
creation, combat money laundering, help implement the outbound 
investment review program, and support the sanctions activity 
to weaken Vladimir Putin, Iran, and others of our adversaries, 
and, particularly, Putin's assault on Ukraine.
    But I have to say this, and the three of you will 
understand my saying this. While I have the three of you, and, 
Secretary Yellen, I want to say thank you to you for all of 
your work on the Child Tax Credit. People told me that the IRS 
would never get it out on a monthly basis. And to Director 
Young and to Chairman Bernstein, you know there were people who 
said we will never be able to get $3,600 and $3,000. There has 
never been a federal program that has had such a profound 
impact in such a short amount of time. The Child Tax Credit is 
the most effective tool we have in the fight against rising 
costs. It is the antidote to inflation. It is about financial 
stability for families. I am proud of our hard work in securing 
what was the largest tax cut for working families in 
generations, and we must continue fighting to make the full 
expanded credit permanent.
    As the appropriations process turns the page to 2025, I 
certainly hope that is the case after 11:00 tomorrow morning. I 
will continue to work with my colleagues in both chambers on 
both sides of the aisle to pass the final funding bills that 
continue to help hardworking people.
    Thank you so much to our witnesses for being here today, 
for the work that you do day-in and day-out, and for your 
testimony. With that, I want to say thank you to Chairman 
Womack and Ranking Member Hoyer, and I yield.
    Mr. Womack. I thank the gentlelady. The written testimony 
of each of the three witnesses, though you are in three 
separate ZIP codes today, have been entered into the record, 
and we will proceed now with testimony.
    Madam Secretary, it is an honor to have you in front of 
this subcommittee today. We welcome you, and we will turn the 
floor over to you at this time. Thank you.

                 STATEMENT OF HON. JANET YELLEN

    Secretary Yellen. Thank you, Chairman Womack, Ranking 
Member Hoyer, Committee Ranking Member DeLauro, and members of 
the subcommittee. Thank you for the invitation to testify.
    Over the past three years, the Treasury Department has 
helped drive an historic economic recovery, including through 
our implementation of the American Rescue Plan. We are now 
playing a leading role in advancing President Biden's medium- 
and long-term economic agenda, including through our 
implementation of the Inflation Reduction Act. Today, our 
economy is growing. The labor market is historically strong, 
and inflation has declined substantially. Companies have 
announced $650 billion in clean energy and manufacturing 
investments since the start of the administration.
    We have also been focused on taking necessary action beyond 
our borders to advance our economic priorities and national 
security, including continuing to respond to Russia's invasion 
of Ukraine as part of this strong global coalition. Our 
coalition recently imposed additional Russia-related sanctions. 
Here at home, the Senate passed a bipartisan national security 
supplemental package that provides critical support for our 
allies, including Ukraine, and is vital to our national 
security. I urge the House of Representatives to send it to the 
president's desk.
    Treasury also continues to closely monitor the conflict in 
the Middle East and use all the tools at our disposal to 
counter the financing of Hamas, other Iranian proxies and their 
facilitators, stabilize the West Bank, and help humanitarian 
aid reach Palestinians in Gaza. Securing funding for fiscal 
year 2024 is crucial to achieving these and other priorities, 
including to support a fair tax system, promote access to 
capital in disadvantaged communities, and combat terrorism and 
financial crimes.
    Let me now briefly highlight several key requests included 
in the president's fiscal year 2025 budget request. First, the 
budget requests $12.3 billion in discretionary resources to the 
IRS. Decades of underfunding the IRS had done a disservice to 
American taxpayers and undermined our country's economic 
strength. Now, funding from the IRA and discretionary 
appropriations have driven unprecedented improvements in 
customer service, technology, and enforcement to ensure that 
wealthy taxpayers pay their fair share and help reduce the 
deficit. We need to continue IRA investments and maintain base 
funding to sustain this momentum.
    The budget also requests $325 million for the Community 
Development Financial Institutions Fund, which is key to our 
efforts to increase fairness and grow our economy through 
support for historically underserved and low-income 
communities.
    Second, the budget requests funds to allow Treasury to 
address emerging threats, such as $312 million for Treasury's 
departmental offices, including to support promoting investment 
security in sensitive technologies and the stability of the 
financial system. Treasury is also requesting $150 million to 
enhance cybersecurity to protect and defend sensitive agency 
systems and information.
    Third, advancing our work abroad requires $231 million to 
the Office of Terrorism and Financial Intelligence, which 
provides critical financial intelligence and sanctions-related 
economic analysis, including to support sanctions related to 
Hamas, Iran, and Russia. We have also requested $216 million 
for the Financial Crimes Enforcement Network. This will allow 
us to build on this significant milestone of launching the 
Beneficial Ownership Reporting System while taking other 
actions to protect the financial system and combat illicit 
finance.
    All of Treasury's work is enabled by my dedicated and 
skilled colleagues who should be equipped with the tools and 
resources they need to advance key priorities on behalf of the 
American people. I am happy to take your questions.
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    Mr. Womack. Director Young.

                STATEMENT OF HON. SHALANDA YOUNG

    Ms. Young. Mr. Chairman, thank you for having me here. 
Ranking Member Hoyer and the full committee Ranking Member 
DeLauro, you all tried to get me emotional here today. I get to 
sit in front of my old boss, Nita Lowey's very large picture, 
and Chairman Frelinghuysen has a very small picture by return. 
But this is a homecoming for me. I have not gotten to testify 
in this room, so thank you of having me here.
    And I know a lot of disagreements happen. We clearly have 
different ways of tackling a lot of tough challenges we have 
heard here today. But the work this committee does, the 
American people would be proud if they saw what I get to see in 
working with this committee, one of which I have a lot of faith 
and one that taught me you may not get everything you want but 
you can hold your values and still find compromise for the 
American people. So congratulations to Chairwoman Granger, 
Ranking Member DeLauro, the subcommittee chairs and rankings, 
for pulling together and finishing fiscal year 2024. As we are 
here talking about 2025, I know 2024 remains in the background 
of what Congress has to finish over the next few days. And I, 
frankly, just want to say thank you and some acknowledgment it 
might be ugly to get there, but you got there under extreme 
circumstances, so thank you for that.
    Turning to fiscal year 2025, while we are here, over the 
past year, three years, President Biden has overseen a strong 
economic recovery, historic job gains, amassed one of the most 
successful legislative records in generations, grown the 
economy from the middle out and bottom up, and delivered 
important progress for the American people. This administration 
has taken action to lower costs for working families from 
everything from prescription drugs and health insurance 
premiums to everyday goods and services. At the same time, the 
president has also restored U.S. leadership here domestically 
and abroad.
    The president has delivered this progress for the American 
people all while fulfilling his commitment to fiscal 
responsibility. It is a fact that the deficit is more than $1 
trillion lower today than when the president took office. It is 
also a fact that the president negotiated the Fiscal 
Responsibility Act and signed into law that act which saves, 
roughly, a trillion dollars over the next decade. That is on 
top of a budget that shows a path to achieving more deficit 
reduction of, roughly, $3 trillion.
    This budget will lower costs for working families, invest 
in America and the American people. These investments will help 
working families keep more of their hard-earned paychecks, 
bolster manufacturing and industry across the nation, make our 
communities healthier and safer, improve our military readiness 
to protect Americans at home and abroad, strengthen our 
economy, and more. The budget protects Medicare and Social 
Security, rejecting efforts to cut both programs and extending 
Medicare solvency indefinitely by requiring wealthy people to 
pay their fair share toward Medicare and reducing prescription 
drug costs.
    The budget achieves all of this while building on the 
president's proven record of fiscal responsibility and honoring 
the president's promise that no one earning less than $400,000 
per year will pay a penny more in new taxes. His budget reduces 
the deficit by, roughly, $3 trillion over the next ten years on 
top of also paying for new investments by cracking down on 
fraud, cutting wasteful spending, and making the wealthy and 
corporations pay their fair share. The discretionary budgets 
comply with the Fiscal Responsibility Act, just like the bills 
before you in fiscal year 2024 I know you will take up.
    A few words on the Office of Management and Budget's 2025 
budget, and I want to thank the team at OMB for putting 
together this budget and also helping Congress with a lot of 
behind-the-scenes work finish fiscal year 2024. Just like the 
Appropriations Committee I got to work on for a long time, the 
OMB staff just really punch above their weight, as they say, 
and I appreciate the staff very much, our budget team, our 
management team. This committee has helped rebuild that agency, 
frankly, the career staff to levels needed to ensure that we 
oversee the budget and management challenges of the federal 
government. Your support has enabled OMB to continue to take on 
significant areas of responsibility, leading the implementation 
of historic legislation and policy that includes the Bipartisan 
Infrastructure Law, the PACT Act, the Infrastructure Investment 
and Jobs Act, CHIPS and Science, Inflation Reduction Act. OMB 
plays a role in the implementation of all those laws, so thank 
you.
    Our 2025 request asks for $138 million, an increase of 8 
percent. The largest part of that is our ITOR, or our 
Information and Technology Oversight and Reform Fund. The 
request includes $14.5 million for the Office of the Federal 
Chief Information Officer and $30 million for our United States 
Digital Service. Together, OFCIO and USDS ensure efficient, 
effective, and secure investment of the government-wide $75 
billion IT portfolio. We spend $75 billion on IT, and I do it 
with a smaller and smaller staff to oversee that IT spend.
    We are losing the fight on managing contractors, frankly. 
You see the cybersecurity breaches becoming more and more 
frequent, so, just as important as the budget portfolio, the 
management challenges of the federal government, if we want to 
stay ahead in how we manage and prevent cybersecurity and, 
frankly, IT projects that this committee has seen go over, not 
be served well, we need more assistance in our Office of Chief 
Information Officers. They work closely with every agency who 
has a CIO. This is the umbrella organization, and they don't 
get a lot of attention. The budget side does, but they really 
bring a small staff and leverage their knowledge to make sure 
the federal government gets what it is buying. And, frankly, we 
need more in order to catch up on contractors. The government 
doesn't always get what they pay for.
    So with that, Mr. Chairman, I will yield back my time, or I 
have no time to yield back.
    [The information follows:] 
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    Mr. Womack. Thank you, Director Young. Chair Bernstein.

               STATEMENT OF HON. JARED BERNSTEIN

    Mr. Bernstein. Chairman Womack, Ranking Member Hoyer, 
members of the subcommittee, thank you for this opportunity to 
testify on President Biden's 2025 budget and, in my case, the 
economic context within which we propose this budget plan.
    I would like to start by noting that the president's 
budget, which includes the Biden-Harris administration's ten-
year economic forecast, is the culmination of the work of 
hundreds of smart, dedicated people both in the Executive 
Office of the President and across the agencies, all of whom 
have put in long hours to produce this document. I offer them 
all my deep thanks.
    As noted, the budget must implement the Biden-Harris vision 
within the existing and expected future economic context. It is 
that context I will briefly discuss this morning--or this 
afternoon. In his State of the Union speech, the president took 
us some remarkable aspects of the current economic expansion, 
reminding us how far we have come since he took office. The 
quick passage of the American Rescue Plan got shots in arms and 
checks in pockets, along the way standing up a highly-effective 
vaccine distribution program where none have previously 
existed. This accomplishment proved to be essential to 
reopening our economy and helping families and businesses get 
to the other side of the crisis. The ARP prevented mass 
evictions and business losses, supported state budgets, reduced 
child poverty, and ensured that the job market got quickly back 
to full employment.
    Importantly, the U.S. job market did not just quickly get 
back to full employment, it has stayed there. The unemployment 
rate has stayed below 4 percent for 25 months, over two years. 
You would have to go back more than 50 years to see a 
comparable stretch of such low joblessness. The average black 
unemployment rate last year was the lowest annual rate on 
record. Labor force participation for prime age women, 25 to 54 
year olds, is also near its historic high with data back to 
late 1940s.
    As CEA shows in our newly-released Economic Report of the 
President, this persistently tight labor market has delivered 
strong inflation-adjusted wage gains that have grown faster for 
low and middle than for higher-wage workers. A key reason for 
these real wage gains is that consumer inflation has come down 
by almost two-thirds off of its peak from 9.1 percent to 3.2 
percent. That is we have maintained historically-tight labor 
markets while achieving significant disinflation. Many 
economists told us this couldn't be done, that, to get this 
much disinflation, we need to give up many points of 
unemployment and growth. President Biden never believed that we 
could only achieve lower inflation on the backs of working 
Americans, and he was right to hold that line. Virtually, every 
forecast we have seen, including our own, has inflation 
continuing to ease throughout the rest of this year and next 
year.
    The economic forecast in the budget results from joint work 
by the three agencies represented before you here today. Our 
forecasting team faces a unique challenge in that we must 
finalize our forecast well before we release it. In this case, 
in early November 2023. This can sometimes render our near-term 
predictions stale relative to more up-to-date market forecasts. 
However, the new forecast looks good in this regard, as our 
near-term optimism about transitioning to steady, stable growth 
was broadly warranted. On a Q4-Q4 basis, we expected real GDP 
to grow 2.6 percent last year when the actual growth rate was 
3.1 percent, meaning the expansion was even stronger than we 
expected. This is above trend growth, which means it is helping 
to generate the ongoing strength of job creation along with 
real wage and income gains.
    On inflation, things also turned out a bit better than we 
expected. We thought that the CPI would be up 3.4 percent last 
year, but it actually came in at 3.2 percent, down sharply from 
north of 7 percent in 2022. On 2023 unemployment and interest 
rates, we came in very close to the actual results.
    Over the longer-term, our forecast is largely unchanged 
from earlier budgets, with terminal growth and unemployment 
rates of 2.2 and 3.8 percent respectively. As we show and 
discuss in our budget release, our terminal growth rate is 
higher than some other forecasters because we include pro-
growth effects of our policies, including investments in human 
and fiscal capital, physical capital, along with affordable 
childcare, which research shows has the potential to 
significantly increase caregivers labor supply.
    With that, I look forward to your questions and yield back 
my 12 seconds.
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    Mr. Womack. Thank you, Mr. Chairman. We are going straight 
to Q&A. Let me remind our panel that we are going to be called 
for votes probably within an hour or so, sometime between 4 and 
4:30. It is likely that we will only get a single round in if 
we are all kind of brief. I don't think it is practical to 
break for votes and then force our witnesses to stay here and 
complicate the dinner hour, so we will just go through one 
round, so be as brief as you can.
    And while the subject is the fiscal year 2025 budget, my 
question is going to be to you, Director Young. You referenced 
our good friend, Nita Lowey, up here above my right shoulder. 
Six years ago, she and I co-chaired, as you well know, the 
Joint Select Committee on Budget Process Reform. And given what 
my friend, Steny Hoyer, said in his opening remarks about the 
condition we are in right now, the fact is that we are in the 
sixth month of the fiscal year and we still have not completed, 
hopefully will tomorrow, the fiscal 2024 budget appropriations 
measures.
    That said, it is my strong belief that some of the 
recommendations brought about by the Joint Select Committee 
should be acted on by Congress. They have not. Among those, 
biennial budgeting with annual reconciliation and continued 
oversight. Is that a way out of this mess that we are in right 
now that continues to send a message to the American people 
that we can't even do our basic responsibility, and that is 
pass budgets on time, deliver appropriations on time, and give 
the agencies certainty?
    Ms. Young. To be quick, which this is not a quick issue, we 
clearly have an inherent process problem. Process, in my view, 
makes good results. This budget is 30 days late, the last 
budget six months late. We need to figure out a way to get out 
of that doom loop, and I am all for finding solutions.
    What I do worry about, I think there is inherent value to 
Congress looking at a part of the budget every year. We have 
all heard a lot of complaints about not looking at programs 
that are entitlement or mandatory. Well, we still get a shot. 
It is ugly. We have got to find a way to make it easier. But I 
would hate to lose the one process where everybody is forced, I 
mean forced. And it is so ugly, if you are not forced to do it, 
you wouldn't do it, in my view. And you are talking to an old 
staff director here. I would hate to see anything get in the 
way of that angle process, but I do think, Mr. Chairman, as you 
pointed out, there are ways to get that process on time.
    Sitting in this seat now, I will tell you managing a 
federal government in three-month and two-month and two-week 
intervals is no way to do business, and none of you would 
choose to do it that way, and it is clearly inefficient. We 
have a complex world, Department of Defense, and we can't tell 
them what is going to happen Saturday or Sunday. There is 
something wrong with that.
    So I am with you. I am happy to sit down and look for 
solutions. We lovingly call that committee the JSCBAPR. I do 
think there is some pieces in there we should look for. I know 
fiscal year changes ideas. You are right, we have got to do 
something, but I also have an intense belief that there is 
something about this angle process and having both parties do 
the hard work where you literally still sit down across from 
each other and fight about each of these line items. There is 
something really special about that, and it doesn't happen many 
other places in government anymore.
    Mr. Womack. Thank you. Mr. Hoyer.
    Mr. Hoyer. I agree with both of you. As majority leader, I 
tried to get the appropriations bills done, frankly, marked up 
in May, to the floor in June, to the Senate in July, and 
reconciled in September. That is the way it ought to work. 
Fairly simple. We are all adults. We are bright, we are able 
people. We ought to be able to do that. But, frankly, everybody 
thinks if they keep waiting they will get their way, and the 
Senate doesn't like to consider appropriations bills because it 
takes them too long. And that is a very simplistic way to look 
at it, but, as somebody who has tried for 20 years as a leader 
in this House to get the appropriations process to run on time 
in a rational way.
    And the question I would ask Director Young and Secretary 
Yellen, we ought to determine how much it costs us in lost time 
and productivity to do the process that we have done this last 
16-17 months. You don't have that now, but I would suggest that 
we get that number because that is the cost. The real cost is 
more than that because of the lack of confidence that people 
have that this government can run in an efficient, effective 
manner. Both parties are to blame. This is not a party problem, 
it is a human problem of delay and dissemble, which is pretty 
harsh but I think that is what it is.
    Now, let me ask a question: $650 billion of investment, 
when was the last time we had $650 billion of additional 
investment, which I think was motivated by the Infrastructure 
bill, by the Science and CHIPS bill, and the IRA. When was the 
last time we had $650 billion in one year of additional 
private-sector investment?
    Secretary Yellen. I honestly can't think of a time when we 
have had such a response. It has been absolutely dramatic, and 
I think it has been driven by the trifecta of legislation, the 
Bipartisan Infrastructure Law, the CHIPS and Science Act, and 
especially the Inflation Reduction Act, which is the most 
dramatic, important piece of environmental legislation in 
history. And we are seeing an unprecedented response.
    Mr. Hoyer. Thank you, Madam Secretary. I would tell all the 
members of this committee, in 2010, I came up with an agenda 
that I called Make It in America. We are a lot of talk about 
made in America. I said made in America is what we did 
yesterday. Make It in America is what we do today and what we 
are going to do tomorrow. I think the most Make It in America 
Congress in which I have served since 1981 was the 117th 
Congress, and I think the results, not only in terms of 
investment but the results in terms of jobs and economic growth 
that we have seen. I heard the chairman's comments, but I, 
frankly, think that an honest analysis of what has happened 
over the last 36 months, from the pandemic on. We made 
extraordinary investments. We spent a lot of money, and we have 
to deal with that because we spent a lot of money and we 
incurred a lot of debt, but it has made an extraordinary 
difference in the lives of America and, indeed, the rest of the 
world. So that is not a question, it is an observation, but I 
think important to make. I yield back.
    Mr. Womack. Mr. Moolenaar.
    Mr. Moolenaar. Thank you, Mr. Chairman. Madam Secretary, 
thanks for being with us today. In your testimony, you 
mentioned emerging threats, but you didn't, to my 
understanding, mention China, nor did you mention ensuring that 
tax credits provided by the Inflation Reduction Act wouldn't 
flow to subsidiaries beholden to CCP-affiliated companies.
    I am particularly concerned that some tax credits, like the 
45X production credit, are essentially refundable, meaning the 
Treasury will be sending a check to the subsidiaries of Chinese 
companies for the value of those tax credits. Secretary Yellen, 
do you believe that tax dollars of hardworking Americans should 
be given to CCP-affiliated companies or their U.S. 
subsidiaries? In the interest of time, just yes or no would be 
helpful.
    Secretary Yellen. Well, really, it is our job at Treasury 
to implement the law that has been passed by Congress, and we 
are doing our best to do that. The 45X production credit, 
advanced production credit, is intended to onshore important 
energy supply chains, and it can only go when there is 
significant production of the components indicated in the 
legislation. It has to occur in the United States.
    But the legislation does not preclude Chinese companies. In 
the case of the clean vehicle credit, 30D, there is a foreign 
entity of concern restriction that comes into effect this year 
and next. You can't qualify for that credit if there are 
minerals extraction or processing or battery components that 
are from a foreign country of concern, like China. But for the 
advanced manufacturing credit, that isn't true.
    Mr. Moolenar. Okay. Well, thank you because that is one of 
my concerns of, you know, these investments by Chinese-based 
companies and their subsidiaries. We are furthering our 
dependence on China, and it doesn't sound like there are any 
current restrictions under current law that would prevent a 
subsidiary of a Chinese company that receives IRA tax credits 
from sending those payments back to China. Is there any 
prohibition on that?
    Secretary Yellen. Well, they would help to defray the cost 
of production in the United States. This can't be production in 
China. It has to be production in the United States.
    Mr. Moolenar. But the credits they could send back to--
there is no prohibition on that.
    Secretary Yellen. There is no prohibition.
    Mr. Moolenar. Okay. If there aren't any restrictions under 
current law, was there a reason not to propose any restrictions 
in the administration's budget proposal? You know, I have 
introduced the NO GOTION Act to stop these IRA tax credits from 
going to companies based in Iran, North Korea, Russia, and the 
CCP and their subsidiaries. Do you support that legislation?
    Secretary Yellen. Well, I don't want to--we haven't 
discussed that, and I don't want to take a--I would need to 
study that and get back to you with a--I do think the 
legislation intended to shore up U.S. supply chains to reduce 
our dependence on countries like China in areas like clean 
energy. That is an important reason for it, and I would think 
about it with that goal in mind.
    Mr. Moolenar. Okay. Well, under Chinese law, a U.S. company 
that wants to send income back to the U.S. must obtain 
preapproval for that transfer from Chinese tax authorities. Do 
you support incorporating similar preapproval requirements or 
any other restrictions on Chinese firms sending IRA tax credit 
dollars back to China?
    Secretary Yellen. Well, I am not going to take a position 
on that. Our general stance when it comes to foreign investment 
in the United States is we want to make sure that there are no 
national security concerns. We have a CFIUS process when it 
involves not greenfield investment but buying out an American 
company or merging with it, and we would look at national 
security concerns. But, in general, we welcome foreign 
investment in the United States. China does investment in the 
United States, and this particular provision that you are 
talking about in the IRA does not preclude China from receiving 
these credits. China would be producing in the United States 
and, in that sense, enhance mitigating our dependence on 
foreign production.
    Mr. Moolenar. Okay. Thank you very much, Mr. Chairman.
    Mr. Womack. Ms. DeLauro.
    Ms. DeLauro. Thank you very much, Mr. Chairman. I will just 
make one very quick comment about the earlier discussion about 
how many months it has taken us to get to having a budget for 
2024. I think, at the beginning of that, you can have all of 
the financial gymnastics you want, at the base of this is 
political will to get it done and understanding what needs to 
get done and what our responsibility is here in view of the 
American public, rather than adhering to ideologies that may 
satisfy one soul but do nothing to help the American people.
    With that, Director Young, I want to ask you a question 
which has to do with the WIC contingency fund, which is in the 
2025 budget. This would allow an increase in WIC funding if the 
secretary finds in any quarter that the program has exceeded 
statutorily, as specified, participation and/or food cost 
levels. It costs about $34 million, as I understand it. First, 
understand that I am for the $7.7 billion for the program. This 
is not a substitute, it is an insurance policy. Just let me 
know--I know you work closely with USDA--just quickly, through 
the process of how we came to develop this solution. Is it a 
good solution?
    Ms. Young. Well, remember, the WIC estimates change 
constantly. It depends on uptake, it depends on economic 
conditions. So this contingency fund is an acknowledgment that 
those estimates change on a regular basis and ensuring that we 
have an insurance policy, a backup plan if you say. If the $7.7 
billion turns out, my guess is, by the time you pass this, that 
number is probably going to change. We want to ensure that we 
have full funding of WIC. We believe our $7.7 billion does 
that, but this contingency fund idea makes sure that the ebbs 
and flows of participation, that we have every tool to make 
sure we have enough money for full participation.
    Ms. DeLauro. And just a note that there was a billion 
dollar shortfall if that hadn't been met in the 2024 budget, 
which we are hopefully passing tomorrow, that, in fact, we 
would have seen millions of people waitlisted for that program, 
about 2.2 million women, infants, and children jettisoned from 
a program that is lifesaving. So thank you.
    I just want to mention, this is the Council of Economic 
Advisors' report on November 20th, the Anti-Poverty Income 
Boosting Impacts of the Enhanced Child Tax Credit. A highlight, 
it says between 2021 and 2022, the median post-tax real income 
among households with at least one child 17 or younger fell by 
$4,256, due, in part, to the reduction in the child tax credit. 
The household median post-tax income would have been $2,600 
higher in 2022 had they received the credit. Sixty-one percent 
of the drop in meeting post-tax household income for families 
with children can be explained by this policy change. I don't 
have to tell you about what happened with the tax credit; you 
all are very, very familiar with that. But I would just say 
about Treasury, the IRS accurately sent 98 percent of monthly 
child tax credit payments, and that is commendable. And, 
additionally, the expanded child tax credit returns $8 for 
every dollar spent.
    Anybody who wants to answer very quickly, what would 
restoring that expanded child tax credit mean to families? In 
addition to lifting families out of poverty, what are the 
broader economic benefits of the child tax credit?
    Mr. Bernstein. Thank you, Congresswoman. As you well know, 
and your fingerprints were very much on this development, the 
expansion of the child tax credit that the president signed 
into law helped to drive child poverty to a record low of 5.2 
percent. Never in this country have we had such low child 
poverty, and scholars of child poverty will tell us how 
important that is not just for year one but for the rest of 
that child's life.
    When the CTC expired, that child poverty rate snapped back 
up, and the conclusion is that the level of the child poverty 
rate is very much a policy choice. This president in this 
budget, and this committee has worked with us on this, you in 
particular, proposes to restore the expanded child tax credit, 
thereby taking child poverty back down to levels I mentioned 
earlier and fully paid for, as well.
    Ms. DeLauro. Thank you. With my six seconds, I will just 
say that the proposal that is in the United States Senate the 
moment I find to be lopsided in terms of what we provide to the 
richest corporations in the country versus what we do for 
children in our nation. Once again, it would be in keeping with 
what the president wants to do in looking at corporations, 
rather than giving them the benefit of billions or millions in 
tax cuts, is that we work to invest in our families and our 
children.
    Thank you so much. I yield back.
    Mr. Womack. Thank you, Ms. DeLauro. I apologize for the 
distraction. It sounds to me, as an old broadcaster, it sounds 
to me like we have got some RF interference in our sound 
system. So do your best to disregard that. There may be some 
kind of a transmitting device causing that. We will try to 
isolate that.
    Ms. Hinson.
    Mrs. Hinson. Thank you, Mr. Chairman. One of my top 
priorities in Congress is, of course, to advocate for the 
taxpayers in Iowa, the working families that we are all here to 
serve, and ensure that their tax dollars are being used 
responsibly to support Iowans' priorities. But, unfortunately, 
we have seen a lot of improper payments continue to be a source 
of waste for federal taxpayer dollars. Actually, according to 
the report from Government Accountability Office, the federal 
government issued more than $236 billion in improper payments 
in fiscal year 2023. For context, that is more than the entire 
budget of the U.S. Army annually. And since 2021, the federal 
government has reported a staggering $764 billion in improper 
payments.
    So, Director Young, I know you're over there, but I just 
had a quick question for you: Has the administration taken a 
single step to ensure that these taxpayer dollars are being 
spent responsibly to prevent these improper payments before 
they occur? $236 billion is a lot of money.
    Ms. Young. Well, one, the ARP provided funds to the 
Department of Labor to begin the process of trying to improve 
the unemployment insurance program, which I think most people 
here will say that is one of the largest drivers of improper 
payments. This budget also has further proposals that would 
save $2 billion on UI. So we welcome and we are starting to see 
some movement in some of the oversight agencies and moving on 
the budget proposal. It was in last year's budget, as well, to 
do something about some of the higher improper payment programs 
of the federal government.
    Mrs. Hinson. Are you looking at using technology like AI to 
help track these things before they actually happen? I think 
that would be ultimately the best outcome here is if we can 
stop them before they go out, so we don't have to worry about 
trying to claw them back.
    Ms. Young. Well, that's one. You heard me earlier talking 
about the need to make sure the federal government stays ahead 
on technology. One thing we struggle with, frankly, and OMB is 
at the center of trying to figure out how to help AI talent 
across the federal government; and, frankly, we don't have that 
right now. And we need to keep up with the technology to make 
sure we know how it impacts the American people but also to 
utilize it for things like this.
    UI is difficult because you've seen one UI program, you've 
seen one. We have a federal overlay, but each state runs it how 
they want. So we are interested to see how we can utilize AI; 
but, frankly, we at OMB are trying to deal with the AI talent 
deficit.
    Mrs. Hinson. As a separate issue, though, from----
    Ms. Young. As a separate issue, but it is important. If we 
want to utilize these tools, we have to have the people that 
know how to do that. And part of our budget and part of what 
we're trying to do is ask for more talent there. But on UI, we 
are not leaning heavily into AI, but we do have proposals to 
try to fix those programs.
    Mrs. Hinson. I hope you will commit to work with us 
continuing that, both on the talent side but also on just the 
oversight side, to prevent improper payments and make that a 
true top priority. That is a lot of money we are talking about.
    And I want to go to one other topic really quick while I 
have time. FinCEN's new beneficial ownership of reporting 
requirements went into effect earlier this year, requiring more 
than 32 million small business owners, including many in Iowa, 
to, of course, report information about their company to a new 
federal database, and the penalties for non-compliance on that 
could include both civil and criminal action. So I know our 
secretary of state has posted on his page in Iowa, you know, 
hey, this isn't a state issue, this is a federal issue. But for 
such a sweeping new rule, Secretary, it is very important that 
FinCEN is taking steps to really educate our small businesses 
on the impacts of this rule.
    So how are you ensuring that these 32 million new affected 
businesses are receiving the necessary resources to be able to 
comply?
    Secretary Yellen. So FinCEN has a well thought-out and 
extensive education outreach program to make sure that 
businesses learn what their responsibility is, and they are 
trying to make it, and I have looked at the demonstrations of 
how this works, this is easy to file for the vast majority of 
businesses. It's not necessary to hire a lawyer or any help. It 
is a simple form on a website.
    There have been more than a million filings so far. It 
started on January 1, and, you know, there is adequate time, I 
think, for businesses to comply.
    Mrs. Hinson. And I see I am rapidly approaching time, so I 
will go ahead yield back in the interest of letting everyone 
speak.
    Mr. Womack. Mr. Cartwright.
    Mr. Cartwright. Thank you, Mr. Chairman. And thank you, 
Director Young, for being back in the room. It is nice to see 
you here.
    I want to invite your attention to Social Security as a 
subject. Today, the Republican Study Committee called for an 
increase in the Social Security retirement age, and so it is a 
timely subject. Right now, Social Security is projected to run 
out of excess reserves in about ten years. I was pleased to see 
that the fiscal year 2025 budget protects Social Security 
benefits and extends the solvency of Social Security, and so my 
first question is how long will the provisions in the fiscal 
year 2025 budget extend the solvency of the Social Security 
program?
    Ms. Young. Well, as you know, you have heard from the 
president what our principles on Social Security are: no 
benefit cuts, ensure that we have enough funding for those with 
disabilities who receive payments out of Social Security, ask 
high-income earners to pay more into the system, and you get 
additional years in solvency.
    We also point out something in direct control of this 
committee, which is Social Security Administration who has been 
underfunded and, as beneficiaries go up and there are more 
people to serve, we are seeing a decline in resources at a time 
when the Social Security Administration needs more. That is why 
this president has asked for a 9-percent increase to fund the 
Social Security Administration.
    Mr. Cartwright. I just find it astonishing that today, of 
all days, when you are here to talk about the fiscal year 2025 
budget, that the Republican Study Committee, the largest 
Republican caucus here in the House, comes out and calls for an 
increase in the Social Security retirement age. You know, it is 
one thing for people that have desk jobs, but for people that 
are lifting and digging and climbing and carrying, to expect 
them to work into their senior years doing these jobs, it is 
not just wrong, it is a betrayal because these are people who 
paid into the system, the FICA system, their whole work lives 
with an expectation that they would be taken care of in their 
senior years. And I am glad to hear that you are not endorsing 
that.
    Let me ask you this: what more needs to be done to protect 
Social Security through the end of the century?
    Ms. Young. You heard the president's plan. It is to ask 
those in the top 1 to 2 percent to pay more. To deal with 
insolvency, the first thing we often go to are benefit cuts. 
Raising the age is a benefit cut. You worked all your life, and 
the goalpost keeps moving, that is a benefit cut. And nothing 
gets more spirited when I testify on Social Security, and I 
have been asked many, many times, like, aren't you speaking in 
hyperbole, you and the president, that people want to cut it. 
And we see these proposals come out, and I get that every 
member is not a member, but it is a proposal to cut, and that 
is why this president finds it necessary to continue to remind 
the American people he will not sign any piece of legislation, 
nor support benefit cuts, to Social Security or Medicare.
    Mr. Cartwright. Now, you alluded to the starving of the 
Social Security Administration for resources, and I want to 
talk about that. Unfortunately, they have been starved for 
decades, making it difficult for many of my constituents. I 
have 175,000 constituents receiving Social Security benefits in 
northeastern Pennsylvania. It makes it harder for them and 
people across the country to access their benefits when there 
aren't enough people working at Social Security.
    To make matters worse, budget constraints resulting from 
the fiscal year 2024 CRs led to the Social Security 
Administration imposing a hiring freeze, which is still in 
effect today. Director Young, can you elaborate on what the 
consequences of a hiring freeze are at the Social Security 
Administration?
    Ms. Young. Well, we don't have enough people today to serve 
beneficiaries. So if we are not adding, certainly we will see 
people retire from the Social Security Administration. This 
means they won't be replaced. The problem is going to continue 
to grow. And then we are going to see people who don't believe 
their government is there to serve them. They know they are 
eligible for benefits. It should not take people that long to 
be able to get in contact, especially if they have a 
complicated case.
    But this is just going to get worse. We are happy we 
finally have a Social Security administrator on the job. He is 
talking to contractors, making sure we are getting what the 
American people buy with their dollars from services. But there 
is only so much we can do when we have a chart of beneficiaries 
going this way and staffing and resources going the opposite 
way.
    Mr. Cartwright. Well, I was happy to see a 9-percent 
funding increase on that line in your budget, and thank you for 
your testimony and thank you for your work. I yield back, Mr. 
Chairman.
    Mr. Womack. Mr. Cloud.
    Mr. Cloud. Thank you, Mr. Chairman. Thank you all for being 
here. It is so true that Americans right now are living 
paycheck to paycheck, working to make ends meet. And so much of 
that is due to the inflation that Americans have seen, in large 
part due to our massive spending. And I hope Americans are 
listening to this hearing because when we hear from our friends 
across the side of the aisle that we don't have a spending 
problem, that is just a notion that is beyond any sort of 
reality because the fact is that we have had record revenues 
over the last several years, up until very recently, and 
spending, no matter how much we are bringing in, continues to 
be a problem. And so we have got to address our spending issues 
and get things under control.
    One of the things that I was concerned about is there is a 
request for continued funding and expansion of the IRS to go 
after American taxpayers. Meanwhile, the IRS, at the same time, 
announced earlier this year that it is setting a goal for 
employees to be in the office just 50 percent of the time in 
May. So we are being asked to employ more federal workforce, 
and this is true across all the agencies. Anyone who does case 
work knows that anything from passports to VA benefits to farm 
help to helping people with Social Security benefits, that the 
time lines to get cases solved has massively expanded while the 
federal workforce continues to go, quote to teleworking. And so 
the productivity is going down, but we are being asked to solve 
that by adding more people instead of finding ways to bring 
higher productivity.
    So I would encourage us to find ways to get people back to 
work or expecting the people who are funding the salaries of 
the IRS taxpayers to get people to work. And so I would 
recommend that we do that. You had a thought?
    Secretary Yellen. Well, you know, we are making sure that 
IRS, as well as all bureaus in Treasury departmental offices 
meet the standards that have been set for the federal 
government, which is at least 50 percent time for everyone in 
the office, and many employees have to be there absolutely 
every day. And this applies absolutely to IRS employees in many 
parts of the IRS.
    Mr. Cloud. To the veterans that I am working to try to get 
cases solved for them, 50 percent isn't enough to show up at 
work. And, literally speaking, one of the facilities was a 
literal work warehouse where the VA records are stored and have 
not been digitized. We funded them, I think it was to the tune 
of $60 million, to digitize those records. They didn't do it 
because of COVID protocols. We tried to put in non-teleworking. 
You cannot telework when you have to literally walk through the 
aisles and look through file cabinets, and we couldn't even get 
tele provisions passed by our friends on the left who oppose 
that provision. We have got to get people back to work so that 
we can solve these problems for the American people.
    I wanted to talk to you about a little bigger of an issue, 
and that is the strength of the U.S. dollar. You know, it is 
essentially important to the safety, security, and freedom of 
the world to have a America have a strong influence. We have 
seen challenges against the U.S. dollar, a lot of it connected 
to our spending. I mean, as you know, we used to have a gold 
dollar, now we have a petro dollar that was based on, you know, 
an agreement really with Saudi Arabia to trade oil and gas 
using the American dollar. Very recently, we have seen, and 
there is conflicting reports, but, at a minimum, Saudi Arabia 
is considering joining BRICS, which has been built for the 
fundamental purpose of challenging the U.S. dollar.
    I am curious about your take on that. You know, this 
administration has an attack on the oil and gas industry, in 
spite of that, and how that plays into monetary policy I am 
very concerned about. But then, also, this administration and 
President Biden when he was vice president said, and this is a 
quote, ``We are trying to create a multipolar world.'' In other 
words, we are trying to create a world where the United States 
is not the preeminent force. Now, most taxpayers would say that 
we should share the goal, regardless of where we are on the 
aisle, of the United States remaining a premier influence in 
the world, so I would ask you, as you are addressing spending 
policy and these kind of things, do you share that goal of 
bringing the United States down a notch and us not being the 
premier----
    Secretary Yellen. I do not share the goal of bringing the 
U.S. down a notch. I think it is essential that the U.S. shows 
strong leadership throughout the global economy and leadership 
on a full range of challenges the world faces. I strongly 
believe the U.S. dollar needs to remain the world's primary 
reserve currency, and I see few challenges, real challenges, to 
the U.S. dollar. It may be that there are BRICS countries would 
love not to be dependent on the dollar, but none of those 
countries seem willing to accept any of those currencies as an 
alternative for doing business, and there is a very good reason 
for that. The U.S. is a well-managed country from a macro 
perspective. Inflation has, for decades, been low and stable. 
We have the deepest and most liquid capital markets in the 
world and a rule of law and institutions that support the 
dollar used as a reserve currency.
    Now, it is helpful, when we want to impose sanctions on 
other countries, the dollar's role enables us to do that 
because, by using our sanctions tools to prevent malign actors 
from running transactions through the financial system----
    Mr. Cloud. I understand it, but I think we would be, if 
we--we have a lot of strengths, but if we are not wary of the 
fact that, historically speaking, when a currency collapses, it 
happens overnight. We have got to sure fire our fiscal----
    Mr. Womack. We need to move on. Mr. Pocan.
    Mr. Pocan. Thank you, Mr. Chairman, and thanks to our 
witnesses. I am going to yield ten seconds to Mr. Hoyer, if it 
is all right, Mr. Chairman.
    Mr. Hoyer. Ten seconds. I just want to say to the 
gentleman's comment on competence in the international markets, 
if we don't pass Ukraine funding forthwith, we are going to 
lose a lot of confidence in international markets and with our 
allies and our foes alike.
    Mr. Pocan. Great. Thank you. Secretary Yellen, a question 
for you. The bonus tax credits that were traded in the 
Inflation Reduction Act for clean energy projects require 
paying prevailing wages and utilizing registered apprentices, 
which are the most important labor standards in the IRA. I 
believe it is important that Treasury's final rule upholds 
congressional intent.
    As co-chair of the Congressional Labor Caucus, I sent a 
letter yesterday with over a hundred of my colleagues outlining 
several key revisions to the proposed rule that we are urging 
Treasury to adopt, including treating project labor agreements 
as evidence of compliance and establishing a front-end 
monitoring system for employers that intend to claim the bonus 
credit for their clean energy projects.
    Our collective concern is that low-road contractors in the 
construction industry already tried to evade federal prevailing 
wage laws and provide fly-by-night training to their workforce. 
Secretary Yellen, what steps is Treasury taking to set up 
robust enforcement of these labor standards to ensure projects 
pay prevailing wages and utilize registered apprentices, and 
will those steps include our suggestions around PLAs and front-
end monitoring?
    Secretary Yellen. Well, let me say that we are working with 
the Department of Labor closely to respond on this issue and to 
provide some clarity and certainty on the requirements. I will 
say that, when a taxpayer goes to claim that credit, that there 
will be rigorous procedures to make sure, given this is, in 
most cases, 80 percent of the total credit, so satisfying this 
is necessary to get most of the credit. There will be 
requirements when a firm is audited to provide books and 
records to show that every worker has received appropriate 
prevailing wages and the apprenticeship requirements have been 
met.
    I would say there is now an active market for tax credits. 
These credits are transferrable. And you will also get a great 
deal of enforcement just through the market that is developing 
around these credits because, if I am contemplating buying a 
credit from a firm that, in the end, has not met, has not 
actually met these requirements, I will have spent money for a 
tax credit that may be denied. And there is an additional 
enforcement mechanism: we see that potential purchasers are 
asking for a good deal of assurance that these requirements are 
being met.
    Mr. Pocan. We just ask you to take a look at that letter, 
and we hope that you can incorporate those suggestions in any 
final rule.
    Also, I think this is something my colleague, Ms. Hinson, 
may also have some interest in. You know, we support biofuels, 
the drive for economic growth, and creating good-paying jobs 
and strengthening real economies. The Inflation Reduction Act 
establishes a sustainable aviation fuel tax credit, and the 
final guidance for this credit was supposed to be released on 
March 1 but it is still not released. In December, the Treasury 
Department announced that the updated GREET Model will be used 
as a methodology, looking at integrating key greenhouse gas 
emission reduction strategies and climate-smart agricultural 
practices. As one of the co-chairs of the Biofuels Caucus, the 
president has been very clear that he wants to see our country 
lead the world's sustainable aviation fuel production. What is 
the status of that fuel credit guidance, and can you ensure 
that Treasury will include the greenhouse gas emission 
reduction strategies that were promised in the department's 
December announcement?
    Secretary Yellen. So we are working very closely with the 
Department of Energy, the Department of Agriculture, the FAA, 
and the EPA. We want to get this GREET Model updated so that it 
can handle some of the things that you have mentioned connected 
to sustainable aviation fuel, and this has extended our time 
line for getting the guidance out. But we want to make sure 
that we do it right, and we are trying to get it out as quickly 
as we can.
    Mr. Pocan. And I think both Representative Hinson and my 
office are more than glad to work with you if you have any 
questions on that.
    Secretary Yellen. Certainly. Thank you.
    Mr. Pocan. Thank you.
    Mr. Womack. Mr. Carl.
    Mr. Carl. Thank you, Mr. Chairman. Secretary Yellen, on 
March the 6th, 2024, the House Judicial Committee released a 
report detailing the Financial Crime Enforcement Network, 
FinCEN, partnership with the FBI to gain access to consumers' 
information from major banks posted January 6th, 2021 as a way 
of tracking and targeting individuals it assumes could be 
domestic terrorists based on certain financial transactions 
they made, such as Dick's Sporting Goods or mobile payments 
that use keywords like MAGA. Are you familiar with this report?
    Secretary Yellen. I am familiar with the issue that you 
are----
    Mr. Carl. What actions are you taking to ensure that this 
FinCEN is not targeting conservative Americans for their 
constitutional rights or political beliefs?
    Secretary Yellen. Okay. So I would like to put this in 
perspective, if I could.
    Mr. Carl. Very quickly, if you would, because I have a 
second question.
    Secretary Yellen. Yes. This is activity that took place 
before I reached Treasury----
    Mr. Carl. Well, what are you doing today?
    Secretary Yellen [continuing]. With the previous 
administration, and it ended in February of 2021. In the 
aftermath of the attack on the Capitol, there was an attempt by 
law enforcement to identify perpetrators of the attack. FinCEN 
had been authorized by Congress to work with financial 
institutions in a process called FinCEN exchanges to help them 
identify. They are required to file suspicious activities 
reports----
    Mr. Carl. Yes, ma'am, I get that.
    Secretary Yellen. --and they wanted to get reports that 
would shed light on this.
    Mr. Carl. I am asking you what are you doing today to 
prevent that from happening again?
    Secretary Yellen. This is a practice that has ended, and 
the----
    Mr. Carl. So you are doing nothing to follow up on it?
    Secretary Yellen. There was no requirement for any bank to 
do anything. Banks met with some people from FinCEN to discuss 
how to----
    Mr. Carl. But this report that came out on March the 6th, 
you have not followed up on anything from it to see if there is 
something there that you need to do?
    Secretary Yellen. We are following up to make sure that 
there are no abuses. But it is our obligation to work with 
financial institutions to help them help the government 
identify suspicious and illegal transactions.
    Mr. Carl. Well, I can appreciate that, but innocent 
Americans we don't need to be doing that on. I understand where 
you are going with that.
    Director Young, White House chief of staff requires 
agencies to submit action plans on OMB in January regarding 
their office spaces needed, but those haven't been made public 
and the 2025 budget process doesn't appear to realize any 
significant savings from building consolidation either in D.C. 
or throughout the country. Why are we continuing spending over 
$10 billion annually on maintaining these buildings and 
securing leases for space that federal employees, when 
employees are being allowed to work hybrid schedules?
    Ms. Young. Well, thank you for acknowledging they work. 
This is about returning to the office. Let me be very clear, 
just like the Secretary pointed out, there are thousands of 
federal employees who never got any opportunity to work hybrid 
in the thick of the pandemic and put their own health at risk. 
But you are right, OMB is central, and we have put out guidance 
because we see the value, just like you all do. You see people 
face to face. There is value in meaningful in-person work. But 
there has been telework pre-pandemic and post-pandemic. It is 
about mission. Different jobs have different requirements. I 
have some people at OMB who work in a SCIF. They have never 
gotten a chance to take advantage.
    So this is about mission. We think meaningful in-person 
presence, even for people who have office jobs that don't 
necessarily have to come to the office, like for SCIFs. So we 
are working and we are seeing improvements there.
    Mr. Carl. But I am running out of time here. My question is 
the $10 billion annual we are paying. We see no reductions with 
this staff, this group not coming back. With that said, will 
you commit that the OMB will lead this effort, so we can 
consolidate underutilized office space?
    Ms. Young. Mr. Carl, you, the chairman, Mr. Hoyer, I think 
we all have an interest, and I have talked to the chairman a 
lot about this, about doing something about space utilization, 
which, frankly, was a problem when I worked on this 
subcommittee more than ten years ago. And we need the tools to 
make sure GSA can consolidate and manage, as the manager of the 
federal portfolio.
    There are lots of challenges here pre-pandemic that remain, 
and I am committed to working with you and anyone else who is 
interested because we need the tools to fix it.
    Mr. Womack. Mr. Bishop.
    Mr. Bishop. Thank you very much, Mr. Chairman. I have two 
questions, one for Director Young and one for Secretary Yellen. 
The first is for Director Young. Medical debt and increasing 
health care costs is a real problem in the country, especially 
its disparate impact on minority communities. For Americans 
with annual income in the $50,000 to $100,000 range, black and 
Hispanic families have the highest rates of medical debt.
    There are products on the market now that seek to help 
consumers pay for unexpected medical expenses that are not 
covered by their ACA-qualified health plan, and I am concerned 
about a regulation that is currently under review at OMB that 
you and I have spoken about before. In particular, I am 
referring to the changes that would be imposed on the fixed 
indemnity insurance market under a tri-agency-proposed rule 
that was issued last summer. Overall, if the rule were 
finalized as it is, it would do more harm than good for 
millions of Americans.
    There is universal agreement that consumers should be 
protected from sham insurance products, and they should not be 
misled into believing that they are purchasing ACA-compliant 
plans. However, there are existing mechanisms that address 
these concerns without eliminating valuable financial 
protection that's available today through the supplemental or 
the fixed indemnity coverage. In fact, the FTC just recently 
announced a $100 million enforcement action against a company 
that was selling sham health insurance products, and this is 
sort of proof positive that the administration has existing 
enforcement tools to protect consumers. In fact, the FTC is 
just one of the many tools available.
    And I know that you can't comment substantively on a rule 
that is under review at OMB, but can you tell me whether the 
administration did an impact analysis, specifically one for the 
marginalized communities on what their alternatives are to pay 
for expenses their underlying major medical coverage does not?
    Ms. Young. Mr. Bishop, I believe people interested in this 
are going through public comment now. You are right, I can't 
comment once it is in review. And your comment and those 
concerned, I know, have been recorded in the comment purposes. 
In order to even get to OMB and to OIRA, which is the 
regulatory office at OMB, a rule has to be seen or have 
analysis that shows it has a large, a certain dollar amount 
economic impact. So every rule has to have that sort of 
analysis that you are speaking about. That is how we know 
whether or not it has to come in for review. And we believe 
that process upholds the integrity of the process. It allows 
large rules to get the comments from the public and other 
agencies to make sure that we are catching all the issues you 
pointed out, I'm sure, have come through the comment process.
    Mr. Bishop. Thank you. Secretary Yellen, according to the 
IRS, in 2021, the government collected on the 86 percent of the 
total taxes that it was legally owed, leaving about $625 
billion uncollected. Between 2001 and 2021, the tax gap 
consistently ranged between 13 and 16 percent total owed taxes. 
Why is the tax gap so persistent, and how does your budget seek 
to address the tax gap and to keep IRS funded at a sustainable 
level which enforces the laws that are already on the books? 
Where does the tax gap tend to come from? Are there certain 
kinds of taxes or certain categories of taxpayers that 
contribute more to the tax gap than others? And tell me if it 
is true that 10 percent of the owners are responsible for two-
thirds of the unpaid taxes.
    In the Inflation Reduction Act, we included $80 billion in 
additional funding to IRS to narrow the tax gap but also to 
improve customer service. Some of my colleagues want to repeal 
that funding, but the CBO tells us that it saves more than it 
costs. How much additional revenue can we gain for every dollar 
that is invested in IRS?
    Secretary Yellen. Well, prior to the Inflation Reduction 
Act, the IRS was literally starved for resources, and the 
auditing rates on complex partnerships, corporations, and high-
income tax filers dropped to exceptionally-low levels. And the 
funding provided by the IRA is intended and is beginning to 
really change that and help us address the tax gap.
    There are various estimates of the rate of return on this 
spending, but a simple one is that, for every dollar spent, $7 
in tax revenue is generated. Some estimates are higher than 
that.
    Where does it come from? Well, individuals who have simple 
tax returns who get almost all of their income through W-2s, 
that income is reported to the IRS, and when the IRS has 
reporting the fraction that is reported on tax returns comes 
close to 100 percent. So there is no tax gap relating to W-2 
income at all. But when income isn't reported, an example would 
be rents and royalties, it is estimated that--so the IRS has no 
independent information, it relies on the honesty of taxpayers 
and audits, the reporting rate has dropped to something like 55 
percent.
    So really, at the end of the day, it is complex 
partnerships, it is high income and net worth individuals who 
and the lack of auditing and, you know, resources at the IRS. 
They are beginning to use tools like artificial intelligence to 
identify taxpayers who are more likely to be deficient in their 
tax filings.
    Mr. Womack. We have to move along, have to move along. Mr. 
Edwards.
    Mr. Edwards. Thank you, Mr. Chair. To the entire panel, 
thanks so much for being with us this afternoon. Secretary 
Yellen, the president's budget proposes increasing the 
corporate tax rate to 28 percent, one of the highest in the 
world. This tax hike would undoubtedly put America at an 
economic disadvantage to global competitors, like China. And 
even though it is touted as a tax increase on the rich, it is 
widely believed that as much as 75 percent of the burden of 
corporate tax increases fall on American workers and consumers 
in the form of lower wages and higher prices. So I am just 
curious exactly who would this tax increase be good for?
    Secretary Yellen. Well, I believe the tax increase would 
not really harm the competitiveness of business. Most studies 
that have been done suggest that there is very little, if any, 
economic benefit from having cut the corporate tax rate, that 
almost all of the gains went to the wealthiest taxpayers. And 
it has deprived us of the revenues we need to deal with our 
budget deficit. It has probably lowered TCJA, probably lowered 
revenues as a share of GDP, by something close to a percent, so 
it partly explains the deficit.
    The kind of program that I think is good for American 
growth is the sort of legislation that President Biden has 
championed and has been passed by Congress, much of it on a 
bipartisan basis, making investments----
    Mr. Edwards. And thank you because I am going to run out of 
time here. I have got a couple more questions. I would like to 
move on respectfully.
    And so I think we have a philosophical difference on 
exactly who is the rich. I am referring to a corporate tax rate 
increase that is in the budget. A corporation is not a rich 
individual. A corporation is a band or a group of individuals 
and entities that have invested their money in order to produce 
jobs, buy equipment, and that sort of thing. And so if we are 
talking about Bill Gates, maybe we could say here is a rich 
person and maybe he should pay more taxes. But when we are 
talking about a corporate tax entity, I very much believe that 
we are placing American workers at risk by not being as 
competitive worldwide.
    And so can you reconcile the difference between a rich 
person and a corporation?
    Secretary Yellen. Well, it depends what the corporate 
ownership is, but stock holdings are concentrated among 
relatively wealthy people and disproportionately among 
foreigners rather than Americans. So when we use the proceeds--
--
    Mr. Edwards. And, again, respectfully, because I am going 
to run out of time. If we had more time, I would love to hear 
the whole answer there.
    And so, again, respectfully, I would disagree with that 
statement because we are not all rich. A lot of people put a 
few hundred dollars in the stock market and own a few 
corporations, and it seems to me like a tax, an additional tax, 
would be very counterproductive.
    Secretary Yellen. Well, I think you have to remember that, 
with the revenue that we get from those taxes, we are able to 
do things like propose a larger child tax credit, which really 
goes to families and disadvantaged and do other things that are 
immensely helpful to working Americans.
    Mr. Edwards. Again, it is a philosophical difference we are 
not going to shake out here. Mr. Chair, I am not going to have 
time for another question, so I will yield.
    Mr. Womack. Thank you, Mr. Edwards. Ms. Meng.
    Mrs. Torres. Ms. Meng is my twin from New York. It is okay.
    Mr. Womack. I am so sorry.
    Mrs. Torres. Director Young, I want to take this 
opportunity to also acknowledge and join my colleague on the 
other side of the aisle in saying that I really appreciate how 
much federal workers work, how hard they work, especially the 
people that work for you and your effort in helping me address 
this longstanding issue with 911 dispatchers. I don't 
necessarily have a question for you. I just want to acknowledge 
how much work you have done in helping to educate yourself and 
your staff on the plight of these primarily female workers that 
have not been recognized for the work that they do. So, thank 
you so much for that.
    Secretary Yellen, I have two very different issues that I 
want to work with you on, and one of them deals with fire 
insurance specifically for California. The other issue is 
related to the work that I do internationally. I want to also 
take a moment to thank you and the Treasury Department 
employees for your pivotal work on sanctions around the world. 
As you are aware, I am deeply concerned about the future of 
democracy and the rule of law in the Northern Triangle, 
particularly how it impacts our southern border region.
    During an attempted coup last year, corrupt actors sought 
to stop the peaceful transfer of power of the president of 
Guatemala. The Treasury Department sanctions on corrupt actors 
played a vital role in our commitment to supporting the people 
in that country and not propping up corrupt actors and wanna-be 
dictators. Sanctions are key to fighting MS-13, the Mexican 
Mafia, and other criminal networks that stretch into many of 
our backyards. And that is not even going into, you know, other 
countries, Venezuela, Iran, Russia, and many other places.
    Can you share with us a little bit more about what your 
fiscal year 2025 budget request and the emergency supplemental 
funding would accomplish for our national security and what 
more can we do to help you staff up the positions that you need 
in order to further the work that our State Department is 
doing?
    Secretary Yellen. Thanks. Well, we take our sanctions 
responsibility very seriously. We have a large number. I can't 
remember the exact number but more than 40 sanctions programs, 
and, over the last several years, the amount of time and effort 
we have put into sanctions has really skyrocketed, partly 
because we are now so focused on Hamas and trying to cut off 
flows of resources to Hamas and also because of the Russian 
situation with respect to Ukraine. So these are areas of 
special emphasis that we have worked globally with partners, 
and I won't go into the full range of----
    Mrs. Torres. Yes. And I will have an additional question 
that I would send your way regarding Hamas' work in Latin 
America. So, if I can move over to the issue of insurance, 
specifically for California. You know, there is no help to 
alleviate the crisis. My constituents have seen their fire 
insurance balloon from $1,800 to almost $6,000 per year. This 
is not sustainable. Non-renewals of home and fire insurance 
policies climbed from 11 percent in 2018 to 13 percent in 2021. 
Most of the top insurers in the state have either stopped 
writing or restricted new policies. How can the Federal 
Insurance Office work with states like California, Florida, and 
other states to help find solutions to the cost of insurance?
    Secretary Yellen. We are very concerned about this for 
exactly the reasons you have given. The Federal Insurance 
Office has now agreed to collaborate with the National 
Association of Insurance Commissioners to undertake a very 
detailed collection effort to understand exactly what is 
happening to the availability and cost of insurance against 
environmental hazards across the country. Almost all of the 
states are participating in this. And when we have that 
information, we will try to come up with some recommendations.
    But I would point out this is an area where states have 
traditionally taken the lead, and we are going to have to 
figure out what we can do working together with the states to 
try to----
    Mrs. Torres. We are going to have to push them to do more 
for the consumers.
    Secretary Yellen [continuing]. A real crisis.
    Mrs. Torres. Thank you. And I yield back.
    Mr. Womack. Thank you. I am so sorry. I should have been 
paying better attention.
    Mrs. Torres. It is okay.
    Mr. Womack. It won't happen again, ma'am. It is on me. Mr. 
Joyce, bring us home.
    Mr. Joyce. Thank you. And thank you all for being here 
today. Secretary Yellen, I want to discuss with you an issue 
that I have been working on for a number of years. Five years 
ago, I brought up the same issue with your predecessor, 
Secretary Mnuchin, during the same budget hearing. He 
previously referred to the status quo as untenable during the 
hearing on talking about access for cannabis banking or 
cannabis industry, the banking. The discrepancy between federal 
and state cannabis laws have created a conflict in the 
department's ability to administer that many areas under its 
jurisdiction. As a former, prosecutor, I shared his concern 
about the business having to deal with these huge amounts of 
cash and not being able to put it in depository institutions 
for public safety reasons.
    Can you tell me what is presently this administration's 
position on safe banking?
    Secretary Yellen. I think we would potentially welcome 
legislation in this area that would clarify for banks what 
their responsibilities are. At present, my understanding is 
that there is a conflict between federal law outlawing 
marijuana sales and many state laws. And while I believe that 
there is not active prosecutions, banking organizations do feel 
compelled to be in accord with laws. And the fact that 
marijuana is outlawed by the federal government creates an 
impediment to their willingness to provide banking services to 
cannabis firms, and it creates all the problems that you are 
familiar with. And so I think legislation may be necessary to 
raise the comfort level that banks have of doing this business.
    Mr. Hoyer. Mr. Joyce, will you yield a second?
    Mr. Joyce. I will always yield to you, sir.
    Mr. Hoyer. You are very kind. I agree with Mr. Joyce 100 
percent. It is a shame that the Senate has not passed 
legislation that we passed in the House. We are putting people 
in a very vulnerable position where they have large amounts of 
cash. We are encouraging criminals to break into businesses 
that deal in cannabis. I am neither a user, nor a suggester of 
using, but the fact of the matter is every state that has voted 
on it has made it legal. Every state. And I appreciate your 
work, and, whatever I can do to help you, I am there.
    Mr. Joyce. Thank you very much, sir. So is it fair to say 
that you share Secretary Mnuchin's concerns and agree that the 
situation is untenable as----
    Secretary Yellen. I think it is a real problem that would 
be desirable to have legislation that alleviated this problem.
    Mr. Joyce. Thank you very much. I would be remiss if I did 
not address Director Young and say I really liked you more when 
you were on our team.
    Ms. Young. I am still on your team.
    Mr. Joyce. One of my other top priorities here is 
addressing the opioid crisis and the problems that we have had 
with fentanyl. And as chairman of the Homeland Security 
Appropriations Committee, the southern border is obviously a 
grave concern for all of us regarding fentanyl.
    Director Young, how does the president's fiscal year 2025 
budget request address the fentanyl crisis and seek to change 
this reality? And is there some type of whole-of-government 
approach that this administration is working to pursue?
    Ms. Young. Mr. Joyce, I got this question from a Democrat 
this morning in House Budget, from you here. It is one of the 
places that gets lost in rhetoric of the year on border. When I 
was here, this is one of the places where there's agreement, 
and I hope we can find a way to enact the parts of the 
president's supplemental, certainly, that do deal with 
fentanyl. And this budget repeats those asks: $1.2 billion for 
DHS to stop fentanyl from entering the country. You know the NI 
equipment everyone says works, we bought a bunch years ago. We 
don't have money to outfit the land ports of entry to put all 
of those in. We also need more equipment to put in more land 
ports of entry.
    So we have a technology that works that has not been fully 
implemented and utilized, and we would love to work with 
anybody to help get that done.
    Mr. Joyce. With all due respect, something that killed this 
many kids in our country, and not just kids, adults, as well, 
we should declare war on. I yield back.
    Mr. Womack. Thank you. Great hearing. To our panelists, 
thank you so much. Madam Secretary, always an honor to have you 
here. Director Young, same to you. Chairman Bernstein, thanks 
again for your work, as well, and for being here today.
    I want to remind members, if you have questions to submit 
for the record, please do so within seven days. In closing 
again, let me thank everyone for being here and we look forward 
to working with all of you as we continue the fiscal year 2025 
FSGG appropriations process.
    With that, this hearing stands adjourned.
    [Whereupon, the subcommittee was adjourned at 4:35 p.m.]
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Yellen, Hon. Janet, Secretary, Department of the Treasury........     6
    Prepared statement...........................................     8
    Answers to submitted questions...............................    41
Young, Hon. Shalanda, Director, Office of Management and Budget..    11
    Prepared statement...........................................    13
    Answers to submitted questions...............................    66
Bernstein, Hon. Jared, Chair, Council of Economic Advisers.......    16
    Prepared statement...........................................    18

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