Rep. Ashley Hinson

Maddy summaryHR 4335, the VA Loan Informed Disclosure Act of 2023, requires mortgage lenders to include specific information about VA home loan programs in standard mortgage disclosures. The bill amends the National Housing Act to mandate that lenders provide details on VA loans (guaranteed under Title 38) alongside other loan options, including assumptions about prevailing interest rates. This change directly affects lenders processing VA-guaranteed mortgages, ensuring borrowers receive clearer comparisons between VA loans and other financing. The law does not require lenders to verify borrower eligibility for VA loans, only to include the specified disclosure language.

Maddy summaryHJRES 44 is a congressional resolution seeking to block a 2021 rule by the Bureau of Alcohol, Tobacco, Firearms, and Explosives (ATF). The rule classified firearms with stabilizing braces as "short-barreled rifles," which would have required additional licensing and regulation. This resolution uses a specific legal process (under Title 5, U.S. Code) to formally disapprove the ATF rule, meaning the rule would no longer be in effect. It directly affects firearm owners, manufacturers, and dealers who would have been subject to the rule’s requirements.

Maddy summaryHJRES 45 is a congressional disapproval resolution targeting a specific Department of Education rule about federal student loans. It seeks to block the rule implementing "One-Time Federal Student Loan Debt Relief" (including modifications to Perkins, FFEL, and Direct Loan programs) by invoking the Congressional Review Act. If passed, this resolution would nullify the rule, preventing the Department of Education from using it to modify or waive student loan obligations. The bill directly affects borrowers who might have qualified for debt relief under the targeted rule.

Maddy summaryHR 277 would require Congress to approve major federal regulations before they take effect. Major rules are defined as those with significant economic impact ($100 million+ annually), major cost increases for consumers or industries, or significant adverse effects on competition, employment, or innovation. Agencies must submit detailed information about these rules to Congress, including cost-benefit analyses, before they can take effect. Congress would have 70 session days to approve the rule with a joint resolution; if they don't act within that timeframe, the rule would not take effect. This would increase congressional oversight of federal regulations and require more detailed information about proposed rules before they become law.

Maddy summaryHR 4067, the Red Tape Reduction Act, codifies five existing executive orders into law to streamline federal regulation. It repeals a 2021 executive order while making the following permanent: Executive Order 13771 (reducing regulatory costs), 13777 (regulatory reform agenda), 13891 (agency guidance), 13892 (enforcement transparency), and 13893 (accountability). These provisions direct federal agencies to follow specific regulatory reform principles when creating or updating rules. The bill affects how federal agencies develop regulations, not specific industries or individuals, by embedding these procedural standards into law.

This bill includes phosphate and potash on the Department of the Interior's final list of critical minerals. (Under current law, Interior and other departments are required to conduct a variety of efforts to ensure a secure and reliable supply chain of critical minerals.) Interior must evaluate current policies relating to permitting and leasing of projects to develop critical minerals and issue recommendations to Congress to support domestic production of such commodities.

This resolution expresses support for keeping AM radios in cars. (Several car manufacturers announced plans to remove AM radio options from some or all of their models.)

Maddy summaryThe Neighborhood Homes Investment Act creates a new tax credit for developers who rehabilitate or build affordable homes in distressed communities. The credit is calculated based on the difference between rehabilitation costs and the sale price, with homes required to be sold at affordable prices to qualified homeowners with incomes up to 140% of the local median family income. The bill targets specific "qualified census tracts" defined by high poverty rates, low homeownership, and below-average home values. Developers must ensure homes are sold to qualified homeowners who use them as primary residences for at least five years, with additional safeguards to prevent program abuse and ensure fair housing practices.

Maddy summaryHR 3768, the Midwives for MOMS Act of 2023, provides federal grants to support midwifery education and increase access to midwifery services. It allocates $15 million annually (2024-2028) for accredited midwifery schools to directly support students, expand programs, and train clinical instructors, with 50% of funds dedicated to student support. The bill also authorizes $20 million annually for nurse-midwifery programs in nursing schools, prioritizing students who will work in underserved health professional shortage areas and increasing racial/ethnic minority representation. These provisions directly affect midwifery students, educational institutions, and communities with limited access to maternity care, aiming to expand the midwifery workforce through targeted funding.

This bill generally prohibits Title X grants for family planning services, research, and training from being used for a hotline, website, or other system that provides individuals with counseling and referrals regarding abortion services. However, the prohibition does not apply (1) in cases of rape or incest, or (2) when a physician certifies that the individual suffers from a physical condition that is life-threatening unless an abortion is performed.