Rep. Michelle Fischbach

Maddy summaryThis bill requires that AM radio receivers be included as standard equipment in all new motor vehicles (such as cars and trucks) sold in the United States, with a rule to be issued by the Department of Transportation within one year. The rule must ensure AM radio is easily accessible on the dashboard and allows manufacturers to use digital AM radio technology instead of traditional AM. During the one-year period between the bill's enactment and the rule's effective date, manufacturers must clearly label vehicles without AM radio. The bill also directs a study to evaluate whether an alternative system could deliver emergency alerts as reliably as AM radio across the country, especially during crises.

Maddy summaryHRES 398 is a procedural resolution that sets rules for the House of Representatives to debate three specific items: H.R. 2494 (which would make assaulting a law enforcement officer a grounds for deportation), H.R. 3091 (which would let federal officers buy retired service weapons), and H. Con. Res. 40 (a resolution supporting local law enforcement). The resolution establishes time limits, debate rules, and amendment procedures for each item but does not enact any policy changes itself. It solely governs how the House will consider these measures, without altering their content or outcomes. As a procedural measure, it directly affects the House's legislative process, not the public or specific groups.

National Law Enforcement Officers Remembrance, Support and Community Outreach Act This bill directs the Department of Justice (DOJ) to establish a National Law Enforcement Officers Remembrance, Support, and Community Outreach Program. The bill further directs DOJ to award a grant under the program to the National Law Enforcement Officers Memorial Fund for the expenses associated with community outreach, public education, and officer safety and wellness programs operated by the of the National Law Enforcement Officers Memorial Fund and National Law Enforcement Museum.

Permanent Tax Cuts for American Families Act of 2023 This bill permanently increases the standard tax deduction for nonitemizing taxpayers. It also requires an inflation adjustment to the increased deduction amounts.

Maddy summaryThe Protecting Taxpayers and Victims of Unemployment Fraud Act allows states to retain 25% of funds recovered from fraudulent unemployment claims (for pandemic-related benefits) to improve fraud prevention systems. States can use these retained funds to modernize unemployment systems, hire fraud investigators, reimburse administrative costs, or conduct other fraud prevention activities. The bill requires states to use specific data matching systems like the National Directory of New Hires to detect fraud more effectively. It modifies federal rules to ensure states can use recovered funds without violating deposit requirements. This legislation aims to reduce unemployment fraud while protecting taxpayers and victims of fraud.

Maddy summaryThe ACRE Act of 2023 amends the tax code to exclude interest income from certain rural and agricultural loans from taxable income for eligible lenders. It directly affects banks, savings associations, and their wholly-owned entities that provide qualified loans secured by rural or agricultural real estate, including single-family homes in designated rural areas (with a $750,000 loan balance cap) or aquaculture facilities. The key provision allows these lenders to exclude interest earned on qualifying loans from their gross income, effectively reducing their tax liability on such lending activity. The bill applies to loans made after its enactment date and aligns with existing definitions of rural property from the Agricultural Credit Act of 1987.

Maddy summaryHRES 339 is a non-binding House resolution expressing that an "all-of-the-above" energy strategy - including oil, gas, nuclear, coal, hydropower, and renewables - is the most viable approach to U.S. energy policy. It states this strategy would strengthen national security, lower consumer energy prices, and reduce reliance on foreign energy sources. The resolution highlights that domestic energy production supports infrastructure funding, job creation, and energy independence, while noting U.S. energy sources like Gulf of Mexico oil and nuclear power provide clean, reliable electricity. As a statement of congressional opinion, it does not create new laws or policy changes.

Maddy summaryThis bill increases the tax deduction rate for volunteer drivers who transport people or property for qualifying organizations. It sets a minimum standard mileage rate of 14 cents per mile for general charitable driving but allows the IRS to set a higher rate (at least equal to the standard business mileage rate) specifically for volunteer transportation services. The change directly affects volunteers driving for tax-exempt organizations like charities, religious groups, or community nonprofits. It modifies IRS rules to better align charitable mileage deductions with current business travel rates. The policy change applies to tax returns filed for 2023 and later.

Maddy summaryThis bill prohibits financial institutions (like banks and credit card processors) from using special transaction codes that separately identify firearm or ammunition sellers. It directly affects gun retailers and the financial services they use, ensuring these businesses are treated the same as other merchants for payment processing. The key provision amends the Truth in Lending Act to ban covered entities from categorizing firearm transactions differently, requiring uniform handling of all business types. This changes how payment systems classify transactions but does not alter gun ownership laws.

Maddy summaryHR 2928, the Responsible Borrower Protection Act of 2023, blocks the Federal Housing Finance Agency (FHFA) and mortgage enterprises (Fannie Mae and Freddie Mac) from implementing specific changes to mortgage credit fees announced in January 2023. The bill directly affects mortgage borrowers and lenders by reversing a pricing framework update that would have altered fees for single-family mortgages. It prohibits the FHFA from enforcing the January 2023 pricing changes detailed in FHFA's announcement and related lender letters. The bill clarifies that enterprises may still use risk-based pricing for mortgage fees, but the specific fee adjustments from the 2023 framework are canceled. This is a direct policy change to mortgage fee structures, not a broader reform.