Debt Ceiling Reform Act

This bill establishes a new process for suspending the U.S. debt ceiling. The Treasury Secretary must certify when borrowing will be needed after a suspension period ends, requiring Congress to disapprove the suspension via a simple joint resolution within 45 days. If Congress fails to act, the suspension continues automatically, and the debt limit adjusts upward to cover obligations issued during the suspension period. The bill also mandates expedited procedures for Congress to consider disapproval resolutions, with strict timelines for debate and voting in both chambers.