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Disappointed in the comments here so far. There's a cardinal rule of improv that also works well for many other things in life, politics included: "yes, and".
This is a great change that will save folks money and make the country just a little bit fairer. Celebrate that, and then use the momentum to push for more. This builds alliances and a shared vision, instead of devolving into petty squabbles around direction.
The problem is that supporters of the "business as usual politicians such as this (or pardoning federal inmates convicted of marijuana possession of which there were zero) hold things up like this whenever one criticizes them in order to claim that they're doing so much to help the country.
Throwing scraps on the floor in order to get better polling numbers before an election isn't serving the people.
Biden started the momentum for capping late fees over a year ago. He mentioned it in his State of the Union address. This is just how government works. I don't think having some progress made in March of an election year after initiating desire to make progress over a year ago is scaps on the floor. It is competent governing.