H.R. 2763: American Family Act

Introduced Apr 9, 2025213 cosponsors

Sponsor

Rosa DeLauro

Democrat · CT-3

Bill Progress

IntroducedApr 9

Committee

Pass House

Pass Senate

Signed

Law

Latest Action · Apr 9, 2025

1/3

Referred to the House Committee on Ways and Means.

Congress wants monthly child checks back

4 min readLast updated June 30, 2026

Why it matters

$300 to $360 a month per child — plus a $2,400 newborn payment — would replace today's mostly annual child tax credit. If H.R. 2763 passes, many families would get child benefits monthly instead of waiting for tax season.

H.R. 2763 would scrap the current annual child tax credit after 2024 and replace it with a new monthly child benefit. Most eligible families would get advance payments each month: $300 for children ages 6 through 17, $360 for children under 6, and $2,400 for a child during the month the child is under 1 month old.

That means the annual value works out to about $3,600 for an older child and $4,320 for a child under 6, assuming a family qualifies for the full amount all year. The newborn payment is separate and much larger for that first month, aimed at the moment when costs like diapers, gear, and missed work can spike.

Income matters. Payments start phasing down above $150,000 for married couples filing jointly and surviving spouses, $112,500 for many other filers, and $75,000 for married people filing separately. Families over the limit do not lose the whole benefit at once — it shrinks gradually as income rises.

The bill also sets detailed rules for who counts as a qualifying child. The child generally must be under 18, live with you for more than half the month, and meet citizenship, residency, or adoption-related requirements.

If the IRS sends too much money based on outdated information, you may have to pay some or all of it back at tax time. The bill also tells Treasury to build a multilingual online portal so families can update income, family size, and other information during the year.

One more change: monthly payments would usually be protected from garnishment or levy, except for child support enforcement. So the bill is not just creating a larger credit — it is changing when families get the money and how the system would be administered.

H.R. 2763 Bill Summary

What H.R. 2763 actually does.

Monthly child payments replace the annual credit

Eligible families would generally get child benefits every month instead of waiting until they file taxes. The bill ends the current child tax credit after 2024 and replaces it with a new refundable monthly system.

Younger children get bigger payments

The monthly amount would be $300 for children ages 6 through 17 and $360 for children under 6. That is about $3,600 a year for an older child and $4,320 a year for a younger child if the family qualifies all year.

New parents get a $2,400 newborn payment

For the month a baby is under 1 month old, the payment would jump to $2,400. The bill sets aside a much larger first-month benefit than the standard monthly amount.

Higher incomes phase down

Payments begin shrinking above $150,000 for joint filers and surviving spouses, $112,500 for many other filers, and $75,000 for married filing separately. The reduction happens gradually rather than ending the benefit all at once.

Other dependents still get a smaller credit

Dependents who do not qualify as children for the monthly payment could still qualify for a separate $500 credit. That amount also phases down at higher incomes.

Overpayments can be clawed back

If your monthly payments are too high based on later tax information, you may have to repay the excess. Fraud can trigger a 10-year ban, and reckless or intentional disregard can trigger a 2-year ban.

Who benefits from H.R. 2763?

Parents trying to cover monthly kid costs

Families would get money during the year instead of waiting for one tax refund. For a child under 6, that could mean $360 arriving each month when child care, groceries, and rent are due.

Families with very young children

Children under 6 qualify for the larger monthly amount — about $4,320 a year at the full benefit. That is $720 more annually than the $300-per-month level for older children.

New parents in the first month after birth

The bill provides a $2,400 payment for a child under 1 month old. That targets the period when household costs can rise suddenly after a birth.

Puerto Rico families

H.R. 2763 explicitly extends eligibility to qualifying families in Puerto Rico, rather than limiting the benefit to families in the 50 states and D.C.

Who is affected by H.R. 2763?

Higher-income households

Families above the bill's income thresholds would see the payment reduced as income rises. Joint filers start phasing down above $150,000, with different thresholds for other filing statuses.

People with custody or claiming disputes

If more than one person claims the same child, the bill sets tie-breaker rules that generally favor parents first, then certain relatives, then the person with the higher adjusted gross income.

Taxpayers whose information changes midyear

If your income, filing status, or household changes and the monthly payments do not catch up in time, you could owe money back when you file your return.

Families with dependents who are not qualifying children

They would not get the monthly child payment for those dependents, but they could still qualify for a separate $500 credit if they meet the bill's rules.

Cost & Funding

Authorization

$300,000 for territorial administration

The bill text provided here does not include an overall federal cost estimate for the expanded monthly child benefit.
The draft does include $300,000 for 2025 through 2027 to support payments in mirror-code possessions and American Samoa, subject to approval requirements.
Back-of-napkin math: a family with two children under 6 could receive about $720 a month, or roughly $8,640 a year, before any income phase-down.

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Tracking floor activity — no debate on H.R. 2763 yet. Updates when a legislator speaks on the record.

HR2763 Legislative Journey

1 actions

House: Committee Action

Apr 9, 2025

Referred to the House Committee on Ways and Means.

About the Sponsor

Rosa DeLauro

Democrat, Connecticut's 3rd congressional district · 35 years in Congress

Committees: Appropriations

View full profile →

Cosponsors (213)

No new cosponsors in 64 days — momentum stalled

All 213 cosponsors are Democrats. Cosponsors represent 39 states: Alabama, Arizona, California, and 36 more.

213Democrats·39 states

Suzan DelBene

Democrat · WA

Ritchie Torres

Democrat · NY

James McGovern

Democrat · MA

Eleanor Norton

Democrat · DC

Judy Chu

Democrat · CA

Janice Schakowsky

Democrat · IL

Frank Mrvan

Democrat · IN

Delia Ramirez

Democrat · IL

Alma Adams

Democrat · NC

Steven Horsford

Democrat · NV

Bill Foster

Democrat · IL

Bennie Thompson

Democrat · MS

Cosponsor Coverage Map

Committee Sponsors

Ways and Means Committee

19D26R

|17 signed28 not yet

17 of 45 committee members cosponsored

2 Democrats across this committee haven't cosponsored yet. Mobilize their constituents

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What laws does H.R. 2763 change?

3 changes

Full Text

Sections Amended

Section 7527A of such Code

read as follows: ``SEC

Section 24 of such Code

adding at the end the following new subsection: ``(l) Termination

Section 6103(e) of such Code

adding at the end the following new paragraph: ``(12) Disclosure of information relating to advance payment of child tax credit

H.R. 2763 Quick Facts

Cosponsors

213

+208 more

Committee: Ways and Means
Chamber: House
Policy: Taxation
Introduced: Apr 9, 2025

Referred to the House Committee on Ways and Means.

Apr 9, 2025

Constituent Resources

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Official Sources

H.R. 2763 on Congress.gov

Official Congress.gov page for the American Family Act with status, text, and cosponsors.

Internal Revenue Code on GovInfo

Official U.S. Code collection where the Internal Revenue Code can be consulted for the tax provisions this bill would amend.

IRS Advance Child Tax Credit Payments in 2021

IRS reference page for the prior federal system of monthly advance child tax credit payments, useful context for how this bill would restore monthly delivery.

IRS Child Tax Credit

Official IRS overview of the current child tax credit, relevant because H.R. 2763 would replace the current annual structure after 2024.

IRS Publication 972 - Child Tax Credit and Credit for Other Dependents

IRS publication explaining qualifying child rules and the separate credit for other dependents, both directly relevant to eligibility under the bill.

IRS Topic No. 654 - Understanding Your CP75 or CP75A Notice

IRS material related to child tax credit documentation and eligibility issues, useful for questions about qualifying children and substantiation.

Congressional Budget Office Cost Estimates

Official CBO portal for federal bill cost estimates, relevant if a score for H.R. 2763 is later published.

IRS Tax Topic No. 203 - Reduced Refund

IRS explanation of offsets and reductions, relevant to the bill's rules on reconciliation and repayment of excess advance payments.

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H.R. 2763 Common Questions

How much would H.R. 2763 pay per child each month?

H.R. 2763 sets payments at $300 a month for children ages 6 to 17 and $360 a month for children under 6. It also adds a $2,400 payment for the month a baby is under 1 month old.

Would this be monthly checks instead of the child tax credit at tax time?

Yes. H.R. 2763 would replace the current annual child tax credit after 2024 with a new refundable benefit that is generally paid in monthly advance payments.

What are the income limits under H.R. 2763?

Payments start phasing down above $150,000 for joint filers and surviving spouses, $112,500 for many other filers, and $75,000 for married filing separately.