Sen. Jack Reed

Maddy summaryThe Keeping Gun Dealers Honest Act of 2025 requires gun dealers to undergo three federal inspections annually (up from one) and increases penalties for violations, raising the maximum prison sentence from one to five years. It mandates secure firearm storage at dealerships and imposes civil fines of up to $10,000 per violation for noncompliance, including for transferring armor-piercing ammunition. The law allows the federal government to suspend a dealer's license or require a physical inventory of firearms if they unlawfully transfer a gun or 10+ crime guns are traced to them. Additionally, it mandates hiring 80 new ATF staff and requires biennial congressional reports on implementation.

Maddy summaryThe Election Worker Protection Act of 2025 provides federal grants to states for election worker recruitment, training, and safety. It establishes new criminal penalties for threatening or harassing election workers, with fines up to $100,000 and up to 5 years in prison. The bill creates a grant program to protect election workers' personally identifiable information from public disclosure, including through redaction of personal data in public records. States would receive funding based on their voting age population, with requirements for diversity-focused recruitment and regular reporting on program outcomes.

Maddy summaryThe SECURE Act creates a new pathway for certain foreign nationals to adjust to lawful permanent resident status without leaving the United States. It primarily affects individuals who have been continuously present in the U.S. for at least three years and qualify under Temporary Protected Status (TPS), including those who previously had TPS or were granted deferred enforced departure. The bill allows eligible applicants to apply for permanent residency, provides work authorization while applications are pending, and protects the confidentiality of application information. It also includes provisions for spouses and children of qualifying applicants to adjust their status, and requires new reporting for countries whose TPS designation is terminated. The law includes specific eligibility requirements related to criminal background checks and continuous physical presence.

Maddy summaryThis bill requires for-profit colleges receiving federal student aid to generate at least 15% of their revenue from non-government sources. It defines allowable revenue streams (like tuition, campus-based educational activities, and certain contracts) while excluding most federal aid, scholarships from affiliated sources, and book fees. Colleges must report their revenue sources annually to Congress, and failure to meet the 15% threshold would suspend federal aid eligibility for two years. The law amends the Higher Education Act's 85/15 rule to clarify eligibility for institutions seeking federal student aid.

Maddy summaryThis bill restricts how credit bureaus share consumer credit reports during mortgage applications. It limits sharing with third parties unless the request is for a firm mortgage offer or the recipient is the loan originator, servicer, or a bank holding the consumer's account. The law directly affects consumers (by limiting data sharing), credit bureaus (requiring new compliance), and mortgage lenders/banks (with restricted access). Key provisions require explicit consumer authorization for sharing and prevent broad data use during prescreening for home loans.

Maddy summaryThe Insurrection Act of 2025 establishes specific conditions under which the President may deploy military forces domestically to address insurrections, rebellions, or widespread violence that overwhelm state and local authorities. It requires the President to consult Congress, issue a proclamation ordering lawbreakers to disperse, and submit a detailed report before deployment, with congressional approval needed within 7 days. The bill specifically protects voting rights by requiring that military deployment to address voting rights violations must comply with the Voting Rights Act of 1965. It also prohibits using National Guard members on training or other duty for domestic deployments. This legislation directly affects the President, Congress, state authorities, and military operations.

Maddy summaryThe HCBS Relief Act of 2025 increases federal funding for Medicaid home and community-based services (HCBS) by 10 percentage points (capped at 95%) for participating states during fiscal years 2026-2027. It directly affects states that submit approved applications, Medicaid beneficiaries receiving HCBS, and home health workers by requiring states to use funds to raise wages/benefits for HCBS workers, reduce waiting lists, support family caregivers, and improve service quality. Key provisions mandate that states detail specific activities (like wage increases, paid leave, and equipment purchases) in applications, ensure funds supplement rather than replace state spending, and report on outcomes by 2029. The bill aims to strengthen HCBS access and workforce stability without changing Medicaid eligibility rules.

Maddy summaryThe Choose Medicare Act would create a new Medicare Part E public health plan available in the individual, small group, and large group insurance markets. This plan would provide gold-level coverage with essential health benefits, including reproductive services, and would be offered through health insurance exchanges. The bill establishes premium rates based on market type and geographic area, and creates annual out-of-pocket cost limits starting in 2027 (initially set at $6,700 for 2027). It would directly affect individuals and employers seeking health coverage, particularly those currently in the individual market or small/large group plans who may choose this new public option.

Maddy summaryS 2035, the "Protect IVF Act," establishes federal rights to access and provide fertility treatment, including IVF, under widely accepted medical standards defined by the American Society for Reproductive Medicine. It directly affects patients seeking fertility care, health care providers offering IVF services, health insurance issuers covering such care, and manufacturers of fertility-related drugs or devices. The bill preempts state laws that restrict IVF access in ways inconsistent with medical standards - such as mandating unnecessary procedures, limiting telemedicine, or imposing discriminatory barriers - and allows federal court enforcement against violating state actions. This focuses on protecting existing access rather than creating new benefits or altering insurance coverage requirements.

Maddy summaryThis bill prohibits colleges and universities from requiring students to waive their right to sue in court through enrollment agreements. It blocks institutions from including forced arbitration clauses or other restrictions (like limiting choice of law, jury trials, or court locations) in contracts with students. The law amends the Higher Education Act to ensure students can pursue legal claims against schools directly in court, rather than through private dispute resolution. It applies to all enrollment agreements between students and institutions of higher education, effective one year after enactment.