Rep. Erin Houchin

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 summaryHJRES 69 is a resolution seeking to disapprove an Environmental Protection Agency (EPA) rule published on June 5, 2023, which established a "Federal Good Neighbor Plan" for the 2015 ozone air quality standards. The rule aimed to address ozone pollution crossing state lines, particularly affecting southeastern states and industries subject to the 2015 ozone standards. This resolution would block the rule from taking effect by invoking the Congressional Review Act, preventing it from being enforced. If enacted, it would directly stop the EPA from implementing this specific plan, impacting states and businesses that would have had to comply with the rule.

Maddy summaryThe FAIR Act (HR 4144) establishes a new income-driven repayment assistance plan that would limit borrowers' monthly payments to 10% of their adjusted gross income, with full loan forgiveness after 20 years of payments. It requires the Department of Education to provide borrowers with multiple notifications about repayment options, including the new income-driven plan, and creates new deferment options for borrowers facing economic hardship, medical issues, or military service. The bill modifies loan rehabilitation processes to allow borrowers to rehabilitate loans two times instead of one time and limits the Secretary's authority to issue regulations that could increase subsidy costs. This legislation directly affects borrowers of federal student loans made under Title IV of the Higher Education Act of 1965.

Maddy summaryThis non-binding resolution expresses the House's support for 10 specific rights of youth in foster care, directly affecting young people aged 18-21 navigating the system. It affirms their right to remain in original schools, access health services (including mental health), live free from abuse, maintain sibling contact, and receive adequate food and housing. The resolution does not create new legal obligations but calls for child welfare agencies to uphold these standards, based on documented challenges like high school graduation gaps and trauma exposure.

Maddy summaryThe Telehealth Expansion Act of 2023 modifies the Internal Revenue Code to require health insurance plans to cover telehealth services without applying deductibles. It directly affects high deductible health plans (HDHPs) and their enrollees, ensuring telehealth visits aren’t counted toward annual deductibles. The key provision creates a "safe harbor" (Section 223(c)(2)(E)) so plans won’t lose HDHP status for excluding telehealth deductibles. This change applies immediately upon enactment and affects all plans offering telehealth services. It does not create new funding or services but adjusts tax code requirements for existing coverage.

Maddy summaryHR 4035, the Protecting Small Business Information Act of 2023, requires the Treasury Secretary to coordinate the effective dates of all rules under the Corporate Transparency Act. It mandates that all final rules related to beneficial ownership reporting must take effect on the same date, delaying implementation until the Secretary certifies to Congress that all rules are issued and will align on a single effective date. This directly affects small businesses required to report beneficial ownership information under the Corporate Transparency Act. The bill’s key mechanism is creating a unified implementation timeline, preventing staggered rule deadlines that could complicate compliance for small entities. It does not change reporting requirements but ensures a synchronized rollout of the regulations.

Maddy summaryHR 4036, the Accountability through Confirmation Act, changes the appointment process for the Director of the Financial Crimes Enforcement Network (FinCEN). It requires the President to appoint the Director with Senate confirmation (instead of the Treasury Secretary), sets the Director's pay at Executive Schedule Level IV, and provides a transition period for the current Director until the new appointee is confirmed. This bill directly affects FinCEN leadership by shifting appointment authority to the President and Senate. The key change is the requirement for Senate confirmation of the FinCEN Director, altering the current process.

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 3036, the Increased TSP Access Act of 2023, amends conservation program rules to expand access to third-party providers (TSPs) who offer technical assistance to farmers on conservation practices. It creates new pathways for non-Federal entities like agricultural cooperatives or professional associations to certify TSPs, streamlines certification processes (requiring Secretary review within 10 business days), and sets payment rates for TSPs equivalent to government-provided technical assistance. The bill mandates public reporting on certification numbers, payment details, and a target utilization rate for TSPs to improve conservation program delivery. It directly affects farmers participating in USDA conservation programs by increasing options for technical support and requiring transparency in how TSPs are certified and compensated.