Rep. William R. Keating

Maddy summaryHR 4167, the Expanding Access to Lending Options Act, amends the Federal Credit Union Act to extend the maximum time federally chartered credit unions can hold mortgage loans from 15 years to 20 years (or longer by NCUA regulation). This change directly affects federally chartered credit unions by allowing them to offer longer-term mortgage products to members. The key provision modifies Section 107(5) of the Federal Credit Union Act, specifically updating the time limit for mortgage loans held by credit unions. The bill also includes a non-binding sense of Congress statement emphasizing safety and soundness in NCUA oversight, but the core policy change is the extended mortgage holding period.

Maddy summaryThe Equal Dignity for Married Taxpayers Act amends the Internal Revenue Code to replace gendered terms like "husband and wife" with gender-neutral language such as "married couple" or "spouses" throughout tax law. This bill affects all married couples filing federal taxes by making the tax code consistent for all married couples regardless of gender. It makes over 30 specific changes to tax code sections, including replacing "his spouse" with "the individual's spouse" and updating references to marital status. The bill does not alter tax rates, deductions, or credits - it only updates language to be more inclusive. This is a technical language update to ensure the tax code treats all married couples equally without gendered references.

Maddy summaryThe Women's Health Protection Act of 2025 would protect access to abortion services across the United States by prohibiting states from imposing restrictions that are more burdensome than those on comparable medical procedures. The bill directly affects people seeking abortion care and health care providers by banning restrictions such as mandatory in-person visits, requirements for specific tests, limitations on telemedicine, and rules based on a patient's reason for seeking abortion. It prohibits state laws that single out abortion for unnecessary restrictions while allowing post-viability abortions when necessary to protect a patient's life or health. The bill preempts conflicting state laws and provides enforcement mechanisms through private lawsuits and actions by the Attorney General.

Maddy summaryHR 4101, the Cancer Drug Parity Act of 2025, requires group health plans and insurance plans to provide equal cost-sharing (like deductibles and copays) for oral anticancer drugs as for intravenous or injected cancer drugs. This directly affects insured cancer patients prescribed oral medications, ensuring they face no higher out-of-pocket costs than for IV treatments when medically necessary. The law prohibits plans from changing benefits to increase costs for oral drugs or applying stricter limits on them compared to IV drugs. It takes effect for plan years starting January 1, 2026, and mandates a GAO study to assess the law’s impact on patient costs within two years of enactment.

Maddy summaryThe Caring for Survivors Act of 2025 increases monthly dependency and indemnity compensation for surviving spouses of veterans. It changes the calculation method from a fixed $1,154 to 55% of a specific veteran compensation rate, effective six months after enactment. The bill also reduces the required continuous disability rating period for survivors from 10 years to 5 years, and provides a proportional payment for cases where the rating period is shorter than 10 years. Surviving spouses of veterans who died before January 1, 1993, receive the greater of their current benefit or the new calculation. This directly affects surviving spouses eligible for benefits under Title 38, U.S. Code, particularly those with veterans who died prior to 1993.

Maddy summaryHR 4083, the Marshall “Major” Taylor Congressional Gold Medal Act, authorizes the posthumous presentation of a Congressional Gold Medal to honor cyclist Marshall Walter "Major" Taylor (1878-1932), recognizing his pioneering achievements as a Black athlete who broke racial barriers in professional cycling during the late 19th and early 20th centuries. The bill directs the Secretary of the Treasury to strike the medal with his name and image, to be presented to Taylor’s great-granddaughter, Karen Donovan. It also permits the sale of bronze duplicates to cover costs, classifying all medals as national commemorative items under U.S. law. This is a ceremonial bill with no policy changes, solely focused on commemorating Taylor’s legacy.

Maddy summaryThe Ukraine War Risk Insurance Act provides war risk insurance coverage for commercial vessels transporting cargo to or from Ukraine, making eligible vessels owned by citizens of NATO countries, Ukraine, or other countries designated by the U.S. government for national security reasons. It establishes the "Insurance for Ukraine Initiative" within the Department of State to coordinate with private insurers, encourage European allies to provide insurance, and support Ukraine’s economic recovery. The initiative must submit annual reports to Congress for four years, assessing progress toward these goals and proposing further legislative actions. The bill also directs diplomatic efforts to support countries offering such insurance and to advocate for a multilateral insurance mechanism at the UN Food and Agriculture Organization.

Maddy summaryThis bill requires colleges receiving federal work-study funds to notify eligible students about potential eligibility for the SNAP food assistance program. It specifically targets students participating in federal work-study or receiving Pell Grants, mandating that institutions send email notifications with state-specific SNAP eligibility details and a document confirming their work-study status to overcome a key ineligibility barrier. The notifications, developed jointly by the Education and Agriculture Departments, include application contacts and guidance for schools on identifying eligible students. The policy change directly enables more college students to access nutrition assistance by clarifying their SNAP eligibility through institutional outreach.

Maddy summaryThe PHARA Act of 2025 requires the National Institutes of Health (NIH) to immediately release all required funding for existing research grants and rapidly pay pending reimbursements. It prohibits NIH from terminating active research grants (entered after the bill's enactment) solely due to shifting agency priorities or program goals, and mandates new termination clauses requiring 90 days' written notice and attempts to amend terms before ending agreements. This directly affects researchers and institutions receiving NIH grants, ensuring funding continuity for ongoing projects. The bill aims to prevent abrupt halts in scientific research by restructuring grant termination processes.

Maddy summaryHR 3918 requires short-term rental properties (like Airbnb or vacation rentals) rented for less than 30 days to have both a smoke detector and a carbon monoxide detector. It directly affects hosts, property managers, and platforms facilitating these rentals, including single-family homes, condos, and time-shares rented to the public for fees. The bill mandates these detectors be installed before rental, with enforcement handled by the Federal Trade Commission (FTC) as part of its authority over unfair or deceptive practices. Violations could result in FTC penalties under existing law, and the requirement takes effect one year after the bill becomes law. The definition excludes meeting rooms, catering, or banquet services.