Rep. Vicente Gonzalez

Maddy summaryThis bill, the "American Lending Fairness Act of 2026," makes changes to federal laws governing interest rates charged by financial institutions, primarily impacting how state-chartered banks and credit unions operate across state lines. It repeals a current federal law (Section 525 of the Depository Institutions Deregulation and Monetary Control Act of 1980) that has allowed states

Maddy summaryThe DISCLOSE Act of 2026 aims to increase transparency in election spending and prevent foreign influence. It expands the ban on foreign money to cover federal, state, and local elections, including ballot initiatives and judicial nominations, and criminalizes using corporations to conceal these funds. The bill mandates that organizations spending over $10,000 on campaign-related activities, such as independent expenditures or judicial nomination advocacy, disclose their beneficial owners and top donors. Additionally, it establishes new "Stand By Every Ad" disclaimers for political communications, requiring the highest-ranking official to approve the message and, for certain ads, list their top funders. These provisions directly affect non-candidate organizations, individuals involved in political and judicial nomination spending, and foreign nationals.

Maddy summaryHR 7736, the RELIEF Act, requires U.S. Customs and Border Protection to refund tariffs collected under the International Emergency Economic Powers Act (IEEPA) on imports entered on or after January 1, 2025. It directly affects importers of record by mandating automatic refunds within 90 days of the bill's enactment, without requiring them to submit applications or protests. The bill directs Customs to use existing data to calculate and disburse refunds for all affected tariff collections, including entries involving goods withdrawn from warehouse for consumption. This policy change eliminates the need for importers to seek refunds through separate processes, streamlining the recovery of overpaid duties.

Respect State Housing Laws Act This bill eliminates a provision that requires a 30-day notice period before a landlord may begin eviction proceedings against a tenant in federally assisted or federally backed housing.

Maddy summaryHRES 1076 is a House resolution recognizing the 10th anniversary of the first U.S. liquefied natural gas (LNG) export shipment from the lower 48 states, which occurred on February 24, 2016. The resolution celebrates this milestone as a historic achievement in American energy production, highlighting its role in supporting over 273,000 annual jobs and $400 billion in economic growth over the past decade. It honors the workers and communities involved and acknowledges LNG exports' contribution to U.S. economic growth, energy security, and global partnerships. The resolution has no binding effect or policy changes - it solely expresses recognition of a past event.

Maddy summaryThe MORE Opportunities for Homeownership Act (HR 7647) amends the Federal Home Loan Bank Act to expand eligibility for community financial institutions. Specifically, it adds the Federal Credit Union Act to the list of qualifying acts alongside the Federal Deposit Insurance Act, allowing credit unions to access Federal Home Loan Bank programs. This change directly affects credit unions by enabling them to secure funding for mortgage lending through these programs. The key mechanism is updating the legal definition of eligible institutions, aiming to increase homeownership opportunities in underserved communities.

Maddy summaryThis bill amends the process for the Financial Stability Oversight Council (FSOC) when considering actions against U.S. nonbank financial companies. It requires the FSOC to first determine that alternative solutions - such as new regulatory standards, agency actions, or a company's written plan - are not possible or insufficient to protect financial stability before voting on a formal determination. The change directly affects the FSOC and large nonbank financial companies that could face regulatory scrutiny. The key provision adds a new step to ensure the Council explores other options before taking significant action. (Procedural bill; summary limited to 3 sentences as specified.)

Maddy summaryThe PROTECT Taiwan Act requires U.S. agencies to bar representatives of China from attending meetings of six major international financial organizations (including the Bank for International Settlements and Financial Stability Board) if the President declares that China's actions threaten Taiwan's security or U.S. interests. It directs the Treasury, Federal Reserve, and SEC to implement this exclusion policy. The law expires automatically after five years unless the President notifies Congress that continuing it serves U.S. national interests. This is a procedural policy change affecting U.S. participation in international financial forums, not a direct economic or security measure.

Maddy summaryThis bill prevents state or local governments from banning or restricting energy connections (like installation, modification, or access) based on the type or source of energy, such as electricity, natural gas, or renewable fuels. It directly affects consumers choosing energy providers and energy companies seeking to offer services. The key provision prohibits local laws, regulations, or policies that limit energy services sold in interstate commerce, covering all energy types listed in the bill’s definitions. It does not create new programs but limits regulatory authority at the state or local level. The law aims to ensure open access to diverse energy sources without source-based restrictions.

Maddy summaryThis bill establishes a Truth and Healing Commission to investigate the history and impacts of U.S. Indian Boarding School policies on Native American communities, including their cultural, emotional, and physical effects. The Commission will document these policies' history through research, public meetings across all 12 Bureau of Indian Affairs regions and Hawai'i, and consultation with survivors, tribes, and relevant Federal agencies. It will develop recommendations for federal action on memorialization, education, and addressing ongoing impacts, with a final report due six years after enactment. The Commission will include a Survivors Truth and Healing Subcommittee with 15 members representing boarding school survivors, their descendants, and tribal communities. The bill requires trauma-informed care at public meetings and mandates consultation with Native American communities throughout the process.