Rep. David P. Joyce

Maddy summaryThis bill establishes a legal framework allowing banks and credit unions to provide financial services to businesses operating marijuana or hemp industries under state laws without fear of losing federal protections. It specifically shields these institutions from penalties, insurance termination, or liability if they accept deposits or make loans to state-sanctioned marijuana or hemp companies. The legislation also clarifies that income from these businesses can be used to qualify for federally backed mortgages and requires regulators to update guidance on how to handle suspicious activity reports related to these sectors. Additionally, the bill mandates annual reports and studies to assess access to banking services for minority-owned and small businesses within the industry.

Maddy summaryHR 7651, the Chloe Cole Act of 2026, prohibits healthcare providers from performing certain medical interventions on minors under 18 aimed at altering physical development to align with gender identity. These "covered interventions" include puberty blockers, hormone treatments, and specific surgeries, but exclude medically necessary care for conditions like disorders of sexual development or traumatic injuries. The bill creates a federal civil lawsuit right for affected minors or their parents against providers who perform such interventions, allowing claims for damages including emotional distress and punitive awards, with strict liability for providers after the law's enactment. It explicitly allows exceptions for legitimate medical treatments and requires providers to prove such exceptions apply if challenged.

Maddy summaryThis bill requires Medicare Advantage plans to implement electronic pre-approval systems for medical services by 2028 and meet transparency reporting standards starting in 2027. Plans must publicly report data on approval/denial rates, appeal outcomes, response times, and technology use for pre-approval requests, including details on how denials relate to clinical criteria. It establishes a 24-hour response timeframe for certain requests and mandates annual reviews of pre-approval requirements based on data and input from seniors and providers. The law directly affects Medicare Advantage plans, seniors enrolled in these plans, and healthcare providers who submit pre-approval requests. These changes aim to make the pre-approval process faster, more transparent, and more accountable for seniors seeking covered medical services.

Protecting Privacy in Purchases Act This bill prohibits payment card networks from using merchant codes that distinguish firearms retailers from general-merchandise retailers or sporting-goods retailers. The Department of Justice must enforce this bill and report annually on the resulting investigations and cases.

Maddy summaryThe Jewish American Security Act aims to combat antisemitism by strengthening protections for Jewish students, securing Jewish communities, and increasing transparency regarding online hate speech. For educational institutions receiving federal funds, the bill mandates the creation of specific coordinators to handle discrimination complaints, requires annual training on handling antisemitism, and establishes a new federal clearinghouse to share best practices for campus safety. To support physical security, the legislation expands grant funding for nonprofit organizations and directs the Attorney General to provide resources for law enforcement agencies protecting houses of worship. Additionally, the act requires major online platforms with over 50 million monthly users to submit detailed reports to the Federal Trade Commission on how they detect, remove, and moderate antisemitic content.

Maddy summaryThis bill redesignates the existing National Parks and Public Land Legacy Restoration Fund as the America's Legacy Restoration Fund to address deferred maintenance on federal lands. It directs revenue from recreation fees and a portion of energy development income into the fund, which must be used primarily for repairing critical infrastructure like roads, trails, and buildings managed by agencies such as the National Park Service and the Forest Service. The legislation establishes strict rules requiring that most funds go toward non-transportation projects, mandates transparency through public dashboards tracking project status, and sets aside a small percentage for matching private donations. Additionally, the bill increases entrance fees for foreign visitors to ensure they contribute to the fund, while prohibiting the use of these specific funds for land acquisition or employee bonuses.

Maddy summaryThe Hydropower Licensing Affordability Act amends the Federal Power Act to modify how federal licenses for hydropower projects are issued. Specifically, it requires that license conditions include measures to reasonably mitigate direct adverse effects on federal reservations and fish populations within applicable river systems. These changes aim to ensure that new or existing hydropower projects address environmental impacts on protected lands and aquatic species before a license is granted. The bill directly affects hydropower project developers and federal agencies responsible for licensing and environmental oversight.

Repealing Big Brother Overreach Act This bill repeals the Corporate Transparency Act. The act requires existing companies and newly created companies to report beneficial ownership information to the Department of the Treasury’s Financial Crimes Enforcement Network for purposes of addressing the financing of terrorism and money laundering.

Maddy summaryThe Romance Scam Prevention Act requires online dating platforms to send immediate notifications to users who message someone banned for scamming. These warnings must include the banned user's profile details, a fraud alert, safety tips to avoid financial scams, and contact information, delivered within 24 hours (with limited exceptions for law enforcement investigations). It directly affects dating apps like Tinder or Bumble and their users by mandating clear, timely fraud alerts to prevent financial exploitation. The law takes effect one year after enactment and shields platforms from liability for following these notification rules.

Maddy summaryThe School Access to Naloxone Act of 2026 authorizes federal grants to help public and private elementary and secondary schools provide emergency treatment for opioid overdoses. To receive funding, schools must establish a program where trained staff, such as nurses or designated administrators, can administer naloxone and other reversal drugs from an easily accessible supply. The bill requires that these staff members receive proper medical training and certification, and it mandates that state attorneys general confirm laws exist to protect these individuals from civil liability when administering the drugs. This legislation aims to reduce opioid overdose deaths by ensuring schools have the necessary resources and legal safeguards to respond quickly to emergencies.