diff --git a/taxcalc/policy_current_law.json b/taxcalc/policy_current_law.json
index a36d46ccb..1a3841a49 100644
--- a/taxcalc/policy_current_law.json
+++ b/taxcalc/policy_current_law.json
@@ -17850,22 +17850,22 @@
             {
                 "year": 2018,
                 "EIC": "0kids",
-                "value": 8490.0
+                "value": 8510.0
             },
             {
                 "year": 2018,
                 "EIC": "1kid",
-                "value": 18660.0
+                "value": 18700.0
             },
             {
                 "year": 2018,
                 "EIC": "2kids",
-                "value": 18660.0
+                "value": 18700.0
             },
             {
                 "year": 2018,
                 "EIC": "3+kids",
-                "value": 18660.0
+                "value": 18700.0
             },
             {
                 "year": 2019,
@@ -18072,22 +18072,22 @@
             {
                 "year": 2018,
                 "EIC": "0kids",
-                "value": 5680.0
+                "value": 5690.0
             },
             {
                 "year": 2018,
                 "EIC": "1kid",
-                "value": 5690.0
+                "value": 5700.0
             },
             {
                 "year": 2018,
                 "EIC": "2kids",
-                "value": 5690.0
+                "value": 5700.0
             },
             {
                 "year": 2018,
                 "EIC": "3+kids",
-                "value": 5690.0
+                "value": 5700.0
             },
             {
                 "year": 2019,
diff --git a/taxcalc/records.py b/taxcalc/records.py
index 01c4e87e6..a5e942561 100644
--- a/taxcalc/records.py
+++ b/taxcalc/records.py
@@ -227,7 +227,7 @@ def cps_constructor(data=None,
 
     @staticmethod
     def tmd_constructor(data,  # path to tmd.csv file or dataframe
-                        gfactors=TMD_GROWFACTORS_FILENAME,
+                        gfactors=GrowFactors(TMD_GROWFACTORS_FILENAME),
                         exact_calculations=False):  # pragma: no cover
         """
         Static method returns a Records object instantiated with TMD
diff --git a/taxcalc/tests/cpscsv_agg_expect.csv b/taxcalc/tests/cpscsv_agg_expect.csv
index 6189f8a73..7daa7e41b 100644
--- a/taxcalc/tests/cpscsv_agg_expect.csv
+++ b/taxcalc/tests/cpscsv_agg_expect.csv
@@ -12,13 +12,13 @@ AMT Income ($b),8319.8,10262.0,10680.4,11012.7,12516.1,12879.8,13716.5,14379.0,1
 AMT Liability ($b),8.1,0.8,0.7,0.6,1.9,1.1,1.1,1.0,1.0,17.2
 AMT Filers (#m),2.6,0.2,0.2,0.1,0.3,0.2,0.2,0.2,0.2,4.1
 Tax before Credits ($b),1116.0,1380.6,1449.5,1505.9,1765.9,1838.1,1938.2,2017.1,2123.8,2356.8
-Refundable Credits ($b),70.8,102.4,102.7,654.9,827.1,98.5,106.4,111.6,112.1,97.7
+Refundable Credits ($b),70.8,102.5,102.7,654.9,827.1,98.5,106.4,111.6,112.1,97.7
 Nonrefundable Credits ($b),32.7,97.2,99.1,99.4,0.0,107.7,108.3,109.3,111.2,29.9
 Reform Surtaxes ($b),0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0
 Other Taxes ($b),5.5,10.7,11.3,12.6,13.9,14.4,16.5,17.6,18.8,19.9
-Ind Income Tax ($b),1018.1,1191.6,1259.0,764.2,952.6,1646.2,1740.0,1813.7,1919.2,2249.0
+Ind Income Tax ($b),1018.1,1191.5,1259.0,764.2,952.6,1646.2,1740.0,1813.7,1919.2,2249.0
 Payroll Taxes ($b),1040.8,1141.6,1194.9,1217.9,1318.7,1421.6,1506.7,1582.0,1656.7,1730.7
-Combined Liability ($b),2059.0,2333.2,2453.9,1982.2,2271.3,3067.8,3246.7,3395.7,3575.9,3979.7
+Combined Liability ($b),2059.0,2333.1,2453.9,1982.2,2271.3,3067.8,3246.7,3395.7,3575.9,3979.7
 With Income Tax <= 0 (#m),88.1,96.2,97.0,135.2,127.7,96.1,97.9,99.2,99.6,97.4
 With Combined Tax <= 0 (#m),62.8,65.4,66.4,98.2,97.7,67.9,69.3,70.5,71.3,70.7
 UBI Benefits ($b),0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0
diff --git a/taxcalc/tests/pufcsv_agg_expect.csv b/taxcalc/tests/pufcsv_agg_expect.csv
index 0388d7347..258f0f943 100644
--- a/taxcalc/tests/pufcsv_agg_expect.csv
+++ b/taxcalc/tests/pufcsv_agg_expect.csv
@@ -12,11 +12,11 @@ AMT Income ($b),10512.6,11427.4,11835.3,12265.7,14419.0,14452.6,15424.8,16049.5,
 AMT Liability ($b),51.3,23.2,24.1,25.1,29.0,28.6,30.0,31.5,33.0,85.1
 AMT Filers (#m),5.7,0.6,0.6,0.3,0.7,0.6,0.6,0.6,0.6,7.4
 Tax before Credits ($b),1708.1,1735.5,1802.2,1887.3,2312.3,2311.2,2451.7,2519.5,2632.1,2877.7
-Refundable Credits ($b),102.9,117.4,118.5,641.8,802.6,119.2,127.1,133.0,135.2,121.9
+Refundable Credits ($b),102.9,117.5,118.5,641.8,802.6,119.2,127.1,133.0,135.2,121.9
 Nonrefundable Credits ($b),67.0,127.3,129.2,128.7,47.6,140.8,143.3,144.0,145.9,78.0
 Reform Surtaxes ($b),0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0
 Other Taxes ($b),40.0,44.8,43.6,52.9,84.9,61.5,66.5,65.2,66.0,64.2
-Ind Income Tax ($b),1578.3,1535.5,1598.1,1169.7,1546.9,2112.7,2247.8,2307.7,2417.0,2742.0
+Ind Income Tax ($b),1578.3,1535.4,1598.1,1169.7,1546.9,2112.7,2247.8,2307.7,2417.0,2742.0
 Payroll Taxes ($b),1083.8,1133.3,1185.4,1209.0,1306.0,1403.4,1489.3,1563.9,1637.9,1711.0
 Combined Liability ($b),2662.0,2668.8,2783.5,2378.7,2852.8,3516.2,3737.1,3871.6,4054.9,4453.0
 With Income Tax <= 0 (#m),92.8,98.6,99.7,131.4,124.9,100.3,101.9,103.4,104.4,101.0