The Federal Reserve would test how well big financial firms could handle climate-related losses. Firms would have to plan for weak spots, while some smaller firms would answer a climate-risk survey.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Climate Change Financial Risk Act of 2025 is a House bill in committee. The latest recorded action: Referred to the Committee on Financial Services, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Latest action on H.R. 2823: Referred to the Committee on Financial Services, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Who this affects: This bill mainly affects large banks and other big financial firms. The largest firms would face climate tests and new planning rules. Some smaller firms would have to answer a repeated survey. Communities, investors, and borrowers could feel indirect effects if firms change where they lend or invest, but the bill does not require specific changes.
Why this matters: Climate disasters and fast changes in policy or markets can cause large financial losses. If a major firm is not ready, the effects could reach loans, savings, and investments. This bill would help regulators find weak spots sooner and require firms to plan for them. Firms might change where they lend or invest, but the bill does not set those choices. The final effects would depend on how the Fed and the firms carry out the rules.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
Officially: Climate Change Financial Risk Act of 2025
The Federal Reserve would test how well big financial firms could handle climate-related losses. Firms would have to plan for weak spots, while some smaller firms would answer a climate-risk survey.
Use this page to support, oppose, or ask Congress to amend H.R.2823. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Financial Services
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the Committee on Financial Services, and in addition to the Committee on Energy and Commerce, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. (4/10/2025)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Climate Change Financial Risk Act of 2025, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around H.R.2823, your stance, and the reasons you choose, then lets you edit and send when ready.
