FACT SHEET

National Infrastructure Bank Act 2025, H.R.5356

OFF-BUDGET, NO NEW FEDERAL DEBT



How National Infrastructure Bank (NIB) works:



  • Bill creates a $5 trillion public bank to lend for infrastructure projects only.
  • Covers 18 Project categories monitored by the American Society of Civil Engineers (ASCE). Additional categories: Affordable Housing, High-Speed-Rail, Water Projects to address drought.
  • Complete financing for all transportation systems and their interconnections ($1.3 trillion), plus High-Speed Rail ($600 billion).
  • Water Projects: $1.3 trillion for drinking water (including to replace lead water pipes), wastewater, and storm water; plus $200 billion to bring new water to food-producing areas.
  • Electric Grid: $600 billion to bolster transmission and meet growing demand.
  • Affordable Housing: $500 billion dedicated to financing housing for the lowest 30% AMI families.
  • Creates 25 million new jobs, Davis-Bacon wages, Buy America, Disadvantaged Business Enterprise (DBE), and significant investment in low-income urban and rural communities.
  • Supercharges the economy: GDP growth doubles to 5% per year.
  • Requires no new Federal Spending, Taxes, or Debt. Capitalized using existing U.S. Treasuries currently held in private accounts; exchanged for Preferred Stock (silent partners, no voting).
  • Operates like a self-sufficient commercial lending bank. Except provides low-interest loans at Treasury bond rates or below, flexible terms, and Loan maturity over the life of the project.
  • Excess profits go to the Trust Fund to provide Grants for poor communities.


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