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Congress returns with long to-do list as Graham’s death hangs over Capitol

▶ Watch Video: Republicans and Democrats in Congress pay tribute to Lindsey Graham

Washington — Congress is returning to Washington on Monday facing limited time to address a number of priorities ahead of a lengthy August recess and the sprint to the midterm elections, while the sudden death of Sen. Lindsey Graham hangs over Capitol Hill.

Graham, who was 71, died Saturday evening, sending shockwaves through Washington and beyond. Now, his GOP colleagues are coping with the loss of a friend and key White House liaison at a time when their agenda has been repeatedly stalled by the other end of Pennsylvania Avenue. 

Before the recess, President Trump poured fuel on internal divisions within the Republican Party over his focus on a voting regulations bill known as the SAVE America Act. His fixation on the bill — which lacks enough GOP support in the Senate — has undermined unrelated Republican priorities in both chambers and nearly paralyzed legislative business in the House. 

There was also growing dissent among Republican lawmakers over the president’s handling of the Iran war, now-stalled plans for the Justice Department’s $1.8 billion “anti-weaponization” fund and funding for a massive new ballroom at the White House. Then, the president’s controversial pick for temporary intelligence chief scuttled an extension of a key warrantless surveillance program.

The House and Senate now return with limited time to pick up the pieces, as the GOP majorities work to get their priorities across the finish line before the midterms. The House has just eight remaining days in session before lawmakers begin their five-week recess, while the Senate is scheduled to be in Washington through the first week of August. 

SAVE America Act

The most pressing issue facing House Speaker Mike Johnson is how to navigate around a blockade on the floor by Republican hardliners who are demanding passage in the Senate of the SAVE America Act. 

The members, led by Rep. Anna Paulina Luna of Florida, prevented most legislation from moving forward late last month. They have vowed to hold firm until the measure passes the Senate, where leaders have repeatedly stressed that it lacks the necessary support. To appease holdouts, Johnson proposed merging the SAVE America Act with the annual defense policy bill, known as the National Defense Authorization Act, before sending it to the Senate. But the hardliners voted against moving forward on the plan. 

The standoff led Johnson to send the House home early for the Fourth of July recess. Vice President JD Vance was initially expected to attend the House GOP conference meeting on Tuesday as they look to move forward, but had a scheduling conflict, according to a source familiar with the plans. 

Though the House has passed various versions of the elections measure, Mr. Trump has pushed for the legislation to go further and include bans on mail-in voting and transgender athletes’ participation in women’s sports. Johnson told Fox News that the president understands the mail ballot prohibition “is a bigger reach.” 

Johnson said there’s a “big urgency” in passing the legislation and the House would “try one more time” to approve the measure via the party-line budget reconciliation process — which would pose its own obstacles.

Reconciliation 3.0

Mr. Trump has called on Congress to approve a spending bill without the help of Democrats through the budget reconciliation process, with $350 billion in defense funding and the SAVE America Act. In a Truth Social post last week, the president said House and Senate leadership must “make this their Number One Priority,” requesting progress in the Budget Committee upon Congress’ return. 

House Republicans have been pushing to move forward on the reconciliation bill, which would be the third such effort this Congress, despite serious expressions of doubt from some key Senate Republicans.

In the upper chamber, a number of Republicans, like top appropriator Sen. Susan Collins of Maine, have thrown cold water on the possibility of another reconciliation bill. And Senate Majority Leader John Thune has expressed skepticism, pointing to the chamber’s tight margins that have grown even slimmer with Graham’s death and the prolonged absence of Sen. Mitch McConnell of Kentucky due to health issues.

The path forward is especially complicated by Graham’s passing. As chairman of the Senate Budget Committee, Graham kickstarted the process in the upper chamber for the first two reconciliation bills, and would have led the new effort in the Senate.

Blanche and Clayton confirmation hearings

Senate Republicans are pushing forward with the confirmation process for both attorney general and director of national intelligence this week. 

Acting Attorney General Todd Blanche is set to appear before the Senate Judiciary Committee on Wednesday for his confirmation hearing, which was already poised to be contentious. Some Republicans have voiced concern about the “anti-weaponization” fund, among other issues, and threatened to withhold support. Graham’s death leaves Republicans with a slimmer margin on the Judiciary Committee.

Also on Wednesday, the Senate Intelligence Committee is scheduled to hold a confirmation hearing for Jay Clayton to be director of national intelligence. Mr. Trump torpedoed the original plans in June, demanding that senators first move forward on confirming a new U.S. attorney for the Southern District of New York, the position Clayton currently holds.

The Senate had sought to quickly confirm Clayton last month with the hope of ending the stalemate over a warrantless surveillance program that lapsed earlier in the month after Mr. Trump’s temporary pick to lead the Office of the Director of National Intelligence, Bill Pulte, rattled lawmakers.

FISA reauthorization

Lawmakers are still grappling with Section 702 of the Foreign Intelligence Surveillance Act, after it expired on June 12 amid opposition to Pulte’s leadership. Since then, there’s been debate over the effects of the lapse given that the Foreign Intelligence Surveillance Court recertified the program through March. But concerns about potential national security risks remain.

Even before Pulte’s appointment complicated its path to renewal, the law was already on a bumpy path as civil liberties-minded lawmakers in both parties demanded reforms on warrant requirements. The demands led Congress to punt the issue twice since it was initially set to expire in April. 

Lawmakers reached a bipartisan deal to extend the surveillance authority for three years that they said would have more than enough support for passage before Mr. Trump disrupted the plans. With Clayton’s confirmation, lawmakers are also hoping to unlock a path forward. 

But the president’s will could still stand in the way. In addition to the demand that Clayton’s replacement be installed, Mr. Trump also linked the renewal of the surveillance authority to the SAVE America Act, threatening not to sign it without the election bill attached. 

NDAA

Congressional leaders are also aiming to approve the must-pass defense policy bill known as the National Defense Authorization Act in the coming weeks. The Senate is hoping to make progress on the bill as soon as this week, but opposition from Democrats amid the renewed conflict with Iran is threatening its path forward. 

Senate Minority Leader Chuck Schumer said in a letter to colleagues on Monday that Republicans are “pushing to advance the annual NDAA while refusing to negotiate on the president’s bloated, partisan topline budget request.” Democratic Sen. Brian Schatz of Hawaii said over the weekend that he would vote against advancing the bill, citing authorization for the Iran war and defense spending. He added, “I usually vote yes on NDAA but this is an easy call for me.”

The House is not currently scheduled to take up the NDAA again this week.

Russia sanctions push 

Lawmakers are pushing for action on a long-stalled Russia sanctions bill as soon as this week as they look to honor Graham, a foreign policy hawk who had championed the sanctions effort as part of a push to end Russia’s war with Ukraine. 

On Friday, Graham announced that he and a group of senators had reached an agreement with the Trump administration to move forward with an updated sanctions package. The package would impose sanctions and tariffs on countries doing business with Russia, including those that buy Russian oil.

Graham had been pushing for the sanctions for more than a year. But Senate Republicans waited for months for the go-ahead from the administration. As lawmakers paid tribute to Graham on Sunday following his sudden death, his colleagues on both sides of the aisle urged Senate leaders to move ahead on the sanctions bill in his honor. House colleagues pledged to introduce the bill in the lower chamber. 

Democratic Sen. Jeanne Shaheen of New Hampshire, who was part of the agreement reached with the White House on the sanctions bill, said it was one of Graham’s “most consequential efforts.”

“There can be no more fitting memorial to Lindsey, his legacy, or the causes he fought for than to pass this legislation and realize his long-held dream of an independent and secure Ukraine,” she said.

Young Americans have higher credit scores today than before Covid

New York (CNN) — Kelly Klein graduated from college with $100,000 in student loans that she feared would haunt her forever.“I expected I’d never pay off my student debt,” said Klein, who is 31 years old.But flash forward 10 years and Klein is now debt-free, her retirement account is flush and her credit score is pristine.“Every commission check I earned for the first six years went to paying off my debt. Every single penny,” said Klein, who is based in Nashville, Tennessee, and works as a loan officer at a community development financial institution.While millions of Americans are hurting from high prices and low hiring, new research suggests the finances of younger generations are displaying surprising resilience.Americans between the ages of 18 and 29 have higher credit scores today than they did just before Covid-19, according to FICO research shared first with CNN.Not only that, but that youngest generation’s 17-point increase in average credit scores since 2019 is the biggest among any age group FICO measured. The second biggest increase in credit scores over that timeframe was for the 30-to-44 cohort, otherwise known as Millennials.Most of the gains occurred during the initial stages of the health emergency when student loan payments were paused.Experts say younger Americans have benefited from access to better education about the importance of protecting credit scores to hold down payments later in life.“Gen Z is pretty savvy about credit. And they are more aware of credit scores, in part because there have been so many economic headwinds during their lives,” said Matt Schulz, chief credit analyst at LendingTree.‘A lot more knowledge’Overall FICO scores fell slightly between April 2025 and April 2026. However, credit scores for Gen Z are up by one point over that timeframe and roughly half have a very strong FICO score of 700 or above.Klein, who is a Millennial, said she learned valuable lessons about finance and investing from experts on social media. Klein also said she joined a free webinar on opening a brokerage account and familiarized herself with tax strategies and how to maximize credit card rewards.“We have a lot more knowledge than previous generations did. A lot of it was gate-kept, especially from women, and tailored toward men. Luckily, I feel like financial education is more available,” she said.Another factor: Younger borrowers are at or near the beginning of their credit journeys, giving them the most room to grow their credit scores. FICO said it doesn’t take into consideration age when scoring borrowers, but it does evaluate how long someone has been able to successfully make payments on time.As consumers take on different kinds of debt — moving from just credit cards and student debt to car loans and mortgages — they open themselves up to being better borrowers. That’s a key factor in determining credit scores.Schulz compared younger Americans increasing their credit scores with a new driver borrowing Mom or Dad’s car.“The first few times they might put some real restrictions on you. But if you show you can handle it over time, they might not think at all about letting you borrow the car. Credit is very similar,” Schulz said. “Having time and experience handling credit responsibly leads to credit scores being higher.”K-shaped economy is evidentMore emphasis on being responsible borrowers may help explain why, at a high level, average credit scores for younger Americans have held up better than might be expected in today’s economic environment, where high-income earners have seen their wealth grow faster than low-income earners.As of April, nearly half (49.6%) of borrowers aged 18-29 had a strong credit score of 700 or above, according to FICO. That’s up from 41.4% in April 2020.However, there are disparities beneath the surface that underscore the K-shaped economy.For instance, FICO said the score distribution for 18-29 year olds has shifted toward both higher and lower scores “rather than clustering in the middle.”In other words, high credit scores today for young people are higher than in 2019 — but so are low ones.“There’s a lot of fragmentation among Gen Z. Many of them are thriving. Some are struggling and relying on support from parents. We’re definitely seeing a K-shaped economy,” said Tommy Lee, senior director at FICO.3.2 million borrowers are behind on student debtOne pressure facing younger Americans is the spike in housing costs driven by elevated mortgage rates and record-high home prices.The average monthly mortgage payment for a first-time homebuyer is 57% higher than in 2019, according to FICO.Another arguably bigger factor is the return of student debt payments and credit bureau reporting after a Covid-era pause.As of April, about 3.2 million Americans of all ages with a student loan payment due (or 14%) had a recent delinquency (30 days or more past due) reported in the prior six months, according to FICO.Those borrowers who fell behind on their student loans and were deemed delinquent saw their FICO score decline by an average of 38 points.By contrast, another 4.9 million borrowers either resolved a delinquency or moved into another repayment status, such as starting a repayment plan. Those consumers experienced an average credit score increase of 16 points, according to FICO.Schulz, the LendingTree expert, stressed that missed payments carry severe consequences that can haunt borrowers for many years — especially when they need to get a mortgage.“It really only takes one payment 30 days or more late to really do damage to your credit score,” he said.The-CNN-Wire™ & © 2026 Cable News Network, Inc., a Warner Bros. Discovery Company. All rights reserved.
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