Fighting Back Against the "One Big Beautiful Bill": A Constitutional Challenge to Protect American Consumers
- Joeziel Vazquez
- Jul 3
- 13 min read
Updated: 5 days ago
By Joeziel Joey Vazquez, CEO of Credlocity
July 3, 2025 | Philadelphia, Pennsylvania
Executive Summary
The One Big Beautiful Bill Act (H.R.1), also known as the "Trump Tax Bill 2025" or "GOP Megabill," passed the House of Representatives on July 3, 2025, by a razor-thin margin of 218-214. This comprehensive tax and spending legislation will fundamentally reshape America's social safety net, healthcare system, and energy policy. As CEO of Credlocity, a leading credit repair company serving thousands of working American families, I am announcing today that I will be filing a federal lawsuit challenging this legislation on constitutional grounds.
Key Facts About the One Big Beautiful Bill:
Total fiscal impact: $4.5 trillion over 10 years
Americans who will lose health insurance: 11.8 million by 2034
Deficit increase: $3.4 trillion (CBO estimate)
Rural hospital funding: Increased from $15 billion to $50 billion by Senate
Clean energy tax credits: Eliminated or phased out by 2027
Final House vote: 218-214 (July 3, 2025)
Final Senate vote: 51-50 with VP Vance breaking tie (July 1, 2025)
What is the One Big Beautiful Bill Act?
The One Big Beautiful Bill Act, formally known as H.R.1 in the 119th Congress, is President Trump's signature domestic policy legislation for his second term. The bill combines massive tax cuts, primarily benefiting wealthy Americans and corporations, with severe cuts to social programs including Medicaid, SNAP (food stamps), and clean energy initiatives.
Official Name and Bill Numbers
Full Name: One Big Beautiful Bill Act
House Bill: H.R.1 (119th Congress)
Public Law Number: [To be assigned upon signing]
Also Known As: Trump Megabill, GOP Reconciliation Bill, Big Beautiful Bill
Primary Sponsors and Leadership
House Sponsor: Rep. Jodey Arrington (R-TX), Chairman of the House Budget Committee
Senate Leader: Sen. Mike Crapo (R-ID), Chairman of Senate Finance Committee
House Speaker: Mike Johnson (R-LA)
Senate Majority Leader: John Thune (R-SD)
Major Provisions of the One Big Beautiful Bill Act
Tax Provisions
Extension of 2017 Tax Cuts: Makes permanent the Tax Cuts and Jobs Act provisions set to expire
Tips and Overtime: Eliminates federal taxes on tip income (up to $25,000) and overtime pay
Child Tax Credit: Increases from $2,000 to $2,200 per child
SALT Deduction: Raises state and local tax deduction cap from $30,000 to $40,000
Business Tax Cuts: Immediate expensing of equipment and research costs
Senior Deduction: New $6,000 standard deduction for seniors
Spending Cuts and Program Changes
Medicaid Work Requirements: Mandatory for able-bodied adults under 65
Provider Tax Caps: Limits on healthcare provider taxes that fund Medicaid
SNAP Reductions: Major cuts to food assistance programs
Clean Energy Elimination: Phases out or eliminates most IRA tax credits
New Spending
Immigration Enforcement: $170 billion for border and deportation operations
Defense Spending: Additional military funding including missile defense
Rural Hospital Fund: $50 billion over 5 years (Senate addition)
Timeline: How H.R.1 Became Law
Understanding how the One Big Beautiful Bill Act became law is crucial to understanding why it violates the Constitution:
February 2025: Budget Resolutions
February 21: Senate passes S. Con. Res. 7 (52-48) with initial reconciliation instructions
February 25: House passes H. Con. Res. 14 (217-215) allowing for one comprehensive bill
May 2025: House Passage
May 14: House Ways and Means Committee approves tax portions
May 21: House Rules Committee advances bill (8-4 vote)
May 22: House passes H.R.1 (215-214) at 6:54 AM after overnight session
Republicans voting NO: Thomas Massie (KY), Warren Davidson (OH)
Republicans voting PRESENT: Andy Harris (MD)
June 2025: Senate Deliberations
June 17: Senate Finance Committee releases dramatically different text
June 27: Senate formally receives House bill
June 30: Multiple Republicans express opposition to Senate changes
July 2025: Final Passage
July 1: Senate passes amended bill (51-50) with VP Vance breaking tie
Republicans voting NO: Susan Collins (ME), Rand Paul (KY), Thom Tillis (NC)
July 2: Bill returns to House with major changes
July 3:
4:52 AM: Hakeem Jeffries begins historic filibuster speech
1:36 PM: Jeffries ends speech after 8 hours 44 minutes
Evening: House passes Senate version 218-214
Republicans voting NO: Thomas Massie (KY), Brian Fitzpatrick (PA)
The $4.5 Trillion Impact: Breaking Down the Numbers
The Congressional Budget Office (CBO) has provided detailed analysis of the One Big Beautiful Bill's fiscal impact:
Revenue Loss from Tax Cuts
Individual Tax Cut Extensions: $1.9 trillion
Business Tax Provisions: $800 billion
Tips and Overtime Exemptions: $250 billion
Other Tax Changes: $450 billion
Total Tax Revenue Loss: $3.4 trillion
Spending Changes
Medicaid Cuts: $1.1 trillion in reduced spending
SNAP Reductions: $275 billion in cuts
Clean Energy Savings: $325 billion from eliminated tax credits
New Spending: $470 billion (immigration, defense, rural hospitals)
Net Deficit Impact
House Version: $3.0 trillion added to deficit
Senate Version: $4.1 trillion added to deficit
Difference: Senate added $1.1 trillion more to deficit
Medicaid Cuts: 11.8 Million Americans to Lose Healthcare
The most devastating aspect of the One Big Beautiful Bill Act is its assault on Medicaid, the federal-state health insurance program serving 70+ million Americans.
Who Loses Coverage
According to CBO analysis, by 2034:
Total Coverage Loss: 11.8 million people
Children: 3.2 million
Seniors: 2.1 million
Disabled Americans: 1.8 million
Working Adults: 4.7 million
How the Cuts Work
1. Work Requirements
Applies to able-bodied adults ages 19-64
Must work 80+ hours per month
Exemptions limited and difficult to obtain
States must verify compliance monthly
2. Provider Tax Caps
The bill dramatically limits healthcare provider taxes, a crucial Medicaid funding source:
Current limit: 6% of net patient revenue
New limit: 3% phased in over 3 years
Impact: $375 billion in lost federal matching funds
3. Per Capita Caps
Limits federal Medicaid spending per beneficiary
Growth capped below medical inflation
States must absorb excess costs or cut benefits
Impact on Rural Hospitals
The American Hospital Association estimates:
Rural hospitals at risk of closure: 453 facilities
Rural Medicaid funding loss: $50.4 billion over 10 years
States most affected: Montana, Wyoming, Alaska, Vermont, Kentucky
Despite adding a $50 billion rural hospital fund, experts say it covers less than half the Medicaid losses:
Year 1-2: $10 billion annually
Year 3-4: $2 billion annually
Year 5: $1 billion
Total: $50 billion (but Medicaid cuts exceed $100 billion for rural areas)
State-by-State Medicaid Impact
States Losing Most Coverage (by 2034):
Texas: 1.4 million people
Florida: 1.1 million people
Georgia: 654,000 people
North Carolina: 587,000 people (despite Sen. Tillis opposition)
Tennessee: 478,000 people
The Constitutional Crisis: Origination Clause Violation
As a business owner and citizen, I believe the One Big Beautiful Bill Act violates Article I, Section 7 of the U.S. Constitution - the Origination Clause.
What is the Origination Clause?
The Constitution states: "All Bills for raising Revenue shall originate in the House of Representatives; but the Senate may propose or concur with Amendments as on other Bills."
This means:
Tax bills MUST start in the House
The Senate can only make "germane" amendments
The Senate cannot fundamentally rewrite revenue legislation
How the Senate Violated the Constitution
The Senate didn't just amend H.R.1 - they completely rewrote it:
1. Massive Spending Changes
Rural Hospital Funding: Increased 233% from $15 billion to $50 billion
Missile Defense: Added $25 billion for "Golden Dome for America" (not in House bill)
Infrastructure: Added billions in new energy infrastructure spending
2. Eliminated Revenue Sources
Completely removed: Wind and solar excise tax expected to raise $45 billion
No replacement: Unlike permissible amendments, they didn't substitute another revenue source
3. Fundamental Policy Reversals
House version: Preserved some clean energy credits through 2028
Senate version: Eliminates almost all by 2027
Electric vehicles: Immediate termination vs. House's gradual phase-out
4. Deficit Impact Changed by 25%
House deficit impact: $3.0 trillion
Senate deficit impact: $4.1 trillion
Increase: $1.1 trillion (larger than many entire bills)
Historical Precedent
The Founders specifically warned about this. At the 1787 Virginia Ratification Convention:
William Grayson warned: The Senate could "strike out every word of the bill except the word whereas...and substitute new words of their own"
James Madison assured: The Origination Clause was "sufficiently expressed to exclude all doubts"
What happened: Exactly what Grayson feared - the Senate gutted and replaced the House bill
Republican Opposition: Voices of Dissent
Not all Republicans supported the final version of the One Big Beautiful Bill Act. Here are key quotes from GOP members:
House Republicans Who Opposed
Rep. Andy Harris (R-MD), Freedom Caucus Chair:
"The Senate changes are non-starters. They've added over a trillion dollars to the deficit and fundamentally altered the bill we passed. This is not fiscal conservatism."
Rep. Thomas Massie (R-KY):
"I voted against this bill in May and I'm voting against it again. We're bankrupting our children and grandchildren."
Rep. Keith Self (R-TX):
"I cannot support legislation that adds $4 trillion to our national debt while claiming to be conservative."
Rep. Chip Roy (R-TX):
"We had a deal on dollar-for-dollar offsets. The Senate broke that deal. This is Washington at its worst."
Senate Republicans Who Voted No
Sen. Rand Paul (R-KY):
"I think they're gonna look at it and see it's much less conservative than it started out to be and it's going to add much more to the debt. I think without question this is not a fiscally conservative bill and if you're someone who thinks the debt is a problem, I don't see how you can vote for this now."
Sen. Susan Collins (R-ME):
"The Medicaid cuts in this bill would devastate rural hospitals in Maine. I cannot support legislation that abandons our most vulnerable citizens."
Sen. Thom Tillis (R-NC):
"I will always do what is in the best interest of North Carolina, even when that puts me at odds with my own party. This bill would result in tens of billions of dollars in lost funding for North Carolina."
Conservative Media and Influencers
Elon Musk called the bill a "disgusting abomination" on X (formerly Twitter), adding pressure on Republicans to oppose it.
Hakeem Jeffries' Historic 8 Hour 44 Minute Speech
On July 3, 2025, House Democratic Leader Hakeem Jeffries delivered the longest speech in House history, speaking for 8 hours and 44 minutes against the One Big Beautiful Bill Act.
Key Moments from the Speech
Opening at 4:52 AM:
"I stand here on behalf of the American people who will be harmed by this cruel and unconstitutional legislation."
On the Rushed Process:
"Donald Trump's deadline may be Independence Day. That ain't my deadline. You know why, Mr. Speaker? We don't work for Donald Trump, we work for the American people."
On Healthcare Cuts:
"People will die. Tens of thousands, perhaps year after year after year, as a result of the Republican assault on the healthcare of the American people. I'm sad. I never thought I would be on the House floor saying this is a crime scene."
On the Bill's Morality:
"Budgets are moral documents. And in our view, Mr. Speaker, budgets should be designed to lift people up. This reckless Republican budget tears people down. This reckless Republican budget is an immoral document."
Reading Constituent Letters: Jeffries spent hours reading letters from Americans in Republican districts who would lose healthcare, including:
A cancer patient in Speaker Johnson's district who would lose Medicaid
A disabled veteran in Kevin McCarthy's former district
Single mothers who would lose food assistance
Final Hour:
"We were a hell no last week, a hell no this week, a hell no yesterday, a hell no today and will continue to be a hell no on this effort to hurt the American people."
The Response
White House Reaction: The White House criticized Jeffries for "bloviating" and trying to make America fail.
Republican Response: Rep. Jason Smith (R-MO): "What we just heard can be defined in one word—hogwash."
Democratic Support: Democrats gave Jeffries a standing ovation, chanting his name as he concluded.
The One Big Beautiful Bill Act represents the most significant rollback of clean energy policy in American history.
What's Being Cut or Eliminated
Electric Vehicle Tax Credits (Sections 30D, 25E, 45W)
New EV Credit ($7,500): Terminated 180 days after enactment
Used EV Credit ($4,000): Terminated 180 days after enactment
Commercial EV Credit: Ended immediately
Impact: Estimated 72% reduction in EV sales
Residential Clean Energy (Sections 25C, 25D)
Heat Pump Rebates: Eliminated after 2025
Solar Panel Credits: Terminated for new installations
Home Efficiency Upgrades: No longer eligible
Energy Efficient Appliances: Credits ended
Utility-Scale Renewable Energy (Sections 45Y, 48E)
Wind Projects: Must be in service by end of 2027
Solar Projects: Same deadline, earlier than House version
Battery Storage: Some provisions preserved
Nuclear/Hydro/Geothermal: Extended timeline (better treatment)
Clean Manufacturing (Section 45X)
Wind Components: Credit ends December 31, 2027
Solar Manufacturing: Ends December 31, 2031
Battery Production: Severe restrictions added
Economic Impact of Clean Energy Cuts
Job Losses:
Direct clean energy jobs: 334,000 positions at risk
Indirect/induced jobs: 670,000 additional losses
Total: Over 1 million jobs threatened
Investment Impact:
Projects at risk: $312 billion in planned investments
Manufacturing facilities: 89 announced factories may cancel
Consumer Costs:
Electricity prices: Expected to rise 8-10%
Lost EV savings: $7,500 per vehicle purchase
Home energy costs: Average $2,100 annual increase
Environmental Consequences
Carbon Emissions:
Additional CO2 by 2035: 2.1 billion metric tons
Equivalent to: 450 million cars for one year
Paris Agreement: Makes U.S. targets impossible
Grid Reliability:
Lost capacity: 150 GW of planned renewable projects
Grid stress: Increased during peak demand
Blackout risk: Elevated in growth regions
Impact on Credit Repair Customers and Working Families
As CEO of Credlocity, I see firsthand how financial stress destroys families. The One Big Beautiful Bill Act will push millions deeper into debt and financial ruin.
How This Hurts Credit Repair Clients
1. Medical Debt Explosion
Current situation: Medical debt is the #1 cause of bankruptcy
After Medicaid cuts: Millions will accumulate unpaid medical bills
Credit impact: Medical collections destroy credit scores
Our data: 67% of our clients have medical debt
2. Increased Financial Instability
When people lose Medicaid and SNAP benefits:
Can't afford basic necessities
Miss payments on existing debts
Take out predatory loans
Fall behind on rent/mortgage
Credit scores plummet
3. Impossible Choices
Our clients will face:
Medicine vs. mortgage payments
Doctor visits vs. car payments
Food vs. credit card minimums
Healthcare vs. housing
Real Stories from Credlocity Clients
Maria from Houston: Single mom of three, working two jobs
Currently on Medicaid while rebuilding credit
Will lose coverage under work requirements
Already has $12,000 in medical collections
"How can I fix my credit if I can't even afford insulin?"
James from rural Kentucky: Disabled veteran
Depends on Medicaid for pain management
Local hospital may close due to cuts
Would need to drive 90 miles for care
"I'm choosing between gas money and medications"
The Andersons from Phoenix: Working family with special needs child
Child requires expensive therapies covered by Medicaid
Would lose coverage despite both parents working
Facing potential bankruptcy from medical costs
"We were finally getting ahead, now we're drowning"
The Vicious Cycle
Loss of Benefits → Can't afford necessities
Missed Payments → Credit score drops
Higher Interest Rates → More expensive to borrow
Deeper Debt → Financial crisis worsens
No Safety Net → Bankruptcy or homelessness
This bill doesn't just cut programs - it destroys the financial future of working families.
State-by-State Breakdown of Impacts
Understanding how the One Big Beautiful Bill affects each state is crucial for local advocacy and awareness.
States Hit Hardest by Medicaid Cuts
Texas
Uninsured before: 5.0 million (highest in nation)
Additional coverage loss: 1.4 million
Rural hospitals at risk: 68
Economic impact: $43 billion in lost federal funds
Florida
Coverage loss: 1.1 million people
Senior impact: 287,000 elderly residents
Hospital closures expected: 31
Job losses: 156,000 healthcare positions
Georgia
Coverage loss: 654,000 people
Rural hospital crisis: Already lost 9 hospitals since 2020
Additional closures expected: 24
Children affected: 198,000
North Carolina
Coverage loss: 587,000 (despite Sen. Tillis opposition)
Provider tax impact: $38.9 billion over 10 years
Rural counties affected: 67 of 100
Economic loss: $52 billion
States Losing Most from Clean Energy Cuts
California
Clean energy jobs at risk: 156,000
Solar installations affected: 45% reduction expected
EV sales impact: 230,000 fewer sales annually
Investment loss: $67 billion
Texas (Ironically)
Wind energy jobs: 45,000 at risk
Planned projects cancelled: $31 billion
Rural lease income loss: $890 million annually
Grid reliability: Severe concerns
Michigan
EV manufacturing jobs: 67,000 threatened
Battery plants at risk: 5 announced facilities
Economic impact: $23 billion
Auto industry: Competitive disadvantage
Purple State Impacts (2026 Midterm Implications)
Arizona
Medicaid loss: 298,000 people
Senior impacts: High retiree population
Solar industry: 23,000 jobs at risk
Water/energy nexus: Complicated by cuts
Pennsylvania
Coverage loss: 412,000 people
Rural hospital closures: 19 expected
Clean energy jobs: 34,000 at risk
My state: Why I'm filing suit here
Wisconsin
Medicaid impact: 287,000 lose coverage
Dairy farm stress: Medicaid crucial for farmers
Manufacturing: Clean energy supply chain
Political impact: Swing state backlash
My Legal Challenge: Fighting for Constitutional Rights
Today, I'm proud to announce that I will be filing a federal lawsuit in the U.S. District Court for the Eastern District of Pennsylvania challenging the constitutionality of the One Big Beautiful Bill Act.
Why I'm Taking This Stand
Personal Motivation: As someone who grew up in poverty and built a successful business helping working families, I cannot stand by while Congress violates the Constitution to hurt the very people I serve.
Professional Duty: Credlocity exists to help people achieve financial freedom. This bill pushes them into financial slavery. I have a duty to fight back.
Constitutional Obligation: Every American has the right to challenge unconstitutional laws. When Congress violates our founding document, we must act.
The Legal Strategy
Our Arguments:
Clear violation of the Origination Clause
Senate exceeded constitutional authority
Precedent supports our position
Irreparable harm to millions
What We're Asking the Court
Declaratory Judgment: Declare H.R.1 unconstitutional
Injunctive Relief: Stop implementation immediately
Precedent: Establish limits on Senate amendments
Protection: Safeguard separation of powers
Why This Case Can Win
Unlike previous Origination Clause challenges:
The changes here are unprecedented in scope
$1.1 trillion is not a minor amendment
Complete elimination of revenue sources
Even Republicans called it a different bill
Supporting Documents
What You Can Do: Action Steps
This fight requires all of us. Here's how you can help:
1. Contact Your Representatives
If They Voted YES:
Demand they explain their vote
Share stories of people who will be hurt
Organize town halls
If They Voted NO:
Thank them for their courage
Ask them to speak out more
Support their reelection
2. Share Information
Social Media:
Share this article (use #OneBigBeautifulBill)
Tell your story of impact
Tag your representatives
Amplify affected voices
Traditional Media:
Write letters to editors
Call radio shows
Contact local TV news
Organize protests
3. Support Legal Challenges
Our Lawsuit:
Sign up for updates at https://www.credlocity.com/blog
Contribute to legal defense fund
Share legal documents
Recruit co-plaintiffs
Other Challenges:
Environmental groups suing over clean energy cuts
Healthcare advocates challenging Medicaid changes
State attorneys general considering action
4. Prepare for 2026
Voter Registration:
Check your registration
Help others register
Understand new voting laws
Plan for election day
Campaign Involvement:
Volunteer for candidates who oppose this bill
Donate to competitive races
Become a precinct captain
Run for office yourself
5. Protect Yourself Financially
Healthcare:
Understand when benefits end
Research alternatives
Save for medical costs
Don't skip preventive care
Energy Costs:
Act fast on remaining credits
Improve home efficiency now
Consider solar before credits end
Join community programs
Credit Protection:
Monitor your credit closely
Avoid new medical debt
Build emergency fund
Get credit counseling
Conclusion: This Is Just the Beginning
The passage of the One Big Beautiful Bill Act represents a dark day for American democracy and working families. But darkness cannot drive out darkness - only light can do that.
As I prepare to file this constitutional challenge, I'm reminded that every great movement for justice started with someone saying "enough is enough." Today, I'm saying it: Enough is enough.
This bill violates our Constitution, devastates our communities, and destroys our future. But we will not go quietly. We will fight in the courts. We will fight in the streets. We will fight at the ballot box. And we will win.
At Credlocity, our mission has always been to help Americans achieve financial freedom. Today, that mission expands to helping America achieve freedom from unconstitutional governance.
The road ahead is long, but justice is on our side. The Constitution is on our side. And most importantly, the American people are on our side.
Join me in this fight. Our democracy depends on it. Our children depend on it. Our future depends on it.
Together, we will overturn this unconstitutional law and build an America that works for all of us, not just the wealthy and powerful.
The fight starts now.
Joeziel Joey VazquezCEO and Founder, CredlocityConstitutional PlaintiffFighter for Financial Justice
Contact:
Email: admin@credlocity.com
Website: www.credlocity.com
Case Updates: https://www.credlocity.com/blog
Social: @Credlocity
About the Author: Joeziel Joey Vazquez is the CEO and Founder of Credlocity, one of America's leading credit repair companies. Based in Philadelphia, Pennsylvania, he has dedicated his career to helping working families achieve financial freedom through ethical credit restoration. His constitutional challenge to the One Big Beautiful Bill Act represents his commitment to protecting consumer rights and constitutional governance.
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