Rep. Michael Cloud

Maddy summaryHR 2808, the Homebuyers Privacy Protection Act, restricts how consumer reporting agencies share credit reports during mortgage applications. It prevents agencies from sending these reports to third parties unless the request is tied to a firm credit offer and the recipient has either the homebuyer’s explicit written consent or is directly involved in the mortgage (like the lender, loan servicer, or the homebuyer’s bank holding an active account). This directly affects homebuyers applying for residential mortgages by limiting unsolicited sharing of their credit information. The law amends the Fair Credit Reporting Act to strengthen privacy protections around mortgage-related credit data.

Maddy summaryHR 5149, the Protecting Girls’ Sports for Military Kids Act, prohibits male students from participating in female-designated sports at schools operated by the Department of Defense Education Activity (DODEA), which serve military-connected students. The bill defines "female sport" as athletic programs exclusively for students biologically assigned female at birth (based on reproductive systems producing eggs), and bars those assigned male at birth (based on reproductive systems producing sperm) from such teams. This policy applies only to DODEA schools, not public or private schools generally. The law creates a specific rule for military-dependent student athletes within the DODEA system, using biological criteria to determine eligibility.

Maddy summaryHRES 539 is a formal House resolution censuring Representative LaMonica McIver (D-NJ) and removing her from the Committee on Homeland Security. It follows her federal indictment for allegedly assaulting and interfering with Homeland Security Investigations (HSI) officers at a Newark immigration facility on May 9, 2025. The resolution cites House Rule XXIII requiring members to "behave in a manner that shall reflect creditably on the House" and states her continued committee service would create a conflict of interest. The censure requires her to appear in the House well for the formal reading of the resolution. This is a disciplinary measure, not a policy change, based on pending criminal charges.

Maddy summaryThis bill prohibits Members of Congress, their spouses, and dependent children from owning or trading certain investments, including stocks, commodities, and derivatives (referred to as "covered investments"). It requires affected individuals to divest these investments within 90-180 days, with specific exemptions for Treasury bonds, diversified mutual funds, small business interests, and family trusts meeting strict conditions. Violations incur penalties of 10% of the investment's value plus disgorgement of profits, paid directly to the U.S. Treasury. The law applies to all covered individuals during federal service, with exceptions for investments acquired through inheritance or occupational trading (e.g., a spouse’s finance job).

Maddy summaryHR 4018 aims to accelerate U.S. access to critical minerals (like nickel, cobalt, and rare earths) found in seabed resources on the continental shelf. It requires federal agencies to expedite permits for exploration and commercial recovery under the Deep Seabed Hard Mineral Resources Act and the Outer Continental Shelf Lands Act within 60 days of enactment. The bill also mandates a seabed mapping plan, identifies critical minerals for defense/energy use, and directs engagement with allies to support U.S. companies in developing these resources. This directly affects U.S. mining companies seeking seabed mineral rights and federal agencies managing offshore resource development.

Maddy summaryH.J.Res. 118 is a symbolic resolution proposing that September 12, 2025, be designated as "The Day of the Bible" in the U.S. It does not create new laws or affect specific groups. The resolution asks Congress to express support for the designation and encourages schools, civic groups, and communities to hold educational activities about the Bible's historical role. It also requires the President to issue an annual proclamation for this day, recognizing the 1782 approval of the Aitken Bible as a milestone in American history. The bill is purely ceremonial with no legal obligations.

Maddy summaryHR 5042 repeals a 2021 Department of Energy (DOE) rule defining showerheads and reinstates a 2020 DOE definition for determining acceptable water pressure standards. This bill directly affects showerhead manufacturers and consumers by clarifying which regulatory definition applies to water pressure requirements under energy conservation rules. The key mechanism is the formal replacement of the 2021 rule (86 Fed. Reg. 71797) with the 2020 rule (85 Fed. Reg. 81341), ensuring the older definition governs future compliance. It does not change the actual water pressure limits but resolves regulatory ambiguity in existing standards.

Maddy summaryHR 5054 amends federal law to clarify that using threats or violence to interfere with commerce (including labor disputes) is a crime, but exempts peaceful picketing and minor incidents during labor disputes. The bill specifically states that minor bodily injury, property damage, or threats related to such activities - when not part of coordinated violence - do not violate the law. It also specifies that state and local authorities, not federal prosecutors, handle cases involving these exempted activities. The law explicitly preserves existing labor protections under the National Labor Relations Act and other federal statutes.

Maddy summaryThis bill amends Title IX to clarify that "female," "male," and "sex" refer to biological characteristics (egg-producing or sperm-producing reproductive systems). It explicitly states that schools receiving federal funding cannot be forced to eliminate sex-segregated spaces (like bathrooms or locker rooms) or sex-segregated athletic/academic programs. The bill directly affects all schools and colleges that accept federal education funding, ensuring they may maintain such programs without losing that funding. Key mechanisms include adding specific definitions to Title IX and prohibiting the Secretary of Education from making funding contingent on ending sex-segregated facilities or programs.

Maddy summaryThis bill creates a federal database identifying state or local governments that conflict with immigration enforcement laws. It prohibits federal funding for any jurisdiction listed in this database, which includes entities that block cooperation with immigration detainers, restrict arrests of certain immigrants, or prevent officials from interviewing incarcerated individuals about immigration status. The database must be updated quarterly and made public within 90 days of the bill's enactment. This directly affects local governments that have policies limiting collaboration with federal immigration authorities.