The White House is using the start of the Christmas shopping season to argue that Congress needs to extend the Bush-era tax cuts -- for all but the wealthiest.

A report by the White House, which says it timed the release for Cyber Monday, outlines what the White House says would be the "impact to retailers and consumer spending if Congress fails to act to avoid taxes going up on 98 percent of Americans at the end of the year."

Obama champions extending the tax cuts for everyone but those who make $250,000 or more a year. Republicans want to extend all the tax cuts.

The report says that if Congress doesn't act, "the typical middle-class family will see their taxes go up by $2,200 next year, negatively impacting businesses and retailers across the nation." And it says that as a result, "consumers could spend nearly $200 billion less than they otherwise would have in 2013 just because of higher taxes. This reduction of $200 billion is approximately four times the total amount that 226 million shoppers spent on Black Friday weekend last year."