Rep. Deborah K. Ross

Maddy summaryHR 2808, the Homebuyers Privacy Protection Act, restricts how consumer reporting agencies share credit reports during mortgage applications. It prevents agencies from sending these reports to third parties unless the request is tied to a firm credit offer and the recipient has either the homebuyer’s explicit written consent or is directly involved in the mortgage (like the lender, loan servicer, or the homebuyer’s bank holding an active account). This directly affects homebuyers applying for residential mortgages by limiting unsolicited sharing of their credit information. The law amends the Fair Credit Reporting Act to strengthen privacy protections around mortgage-related credit data.

Maddy summaryHCONRES 47 is a non-binding congressional resolution expressing that state licensing of design professionals (including architects, engineers, surveyors, and mapping specialists) is essential for public safety. It states that such licensing ensures the safety of infrastructure, buildings, and natural resource projects, and supports maintaining state-level requirements as vital to public health and welfare. The resolution does not create new laws but formally affirms Congress's position that eliminating or reducing these licensing standards would not serve the public interest.

Maddy summaryThis resolution (HRES 677) is a formal statement by the House of Representatives affirming the Federal Reserve's independence from political influence. It specifically supports Chairman Jerome Powell and the Board of Governors in making monetary policy decisions based on economic data, not political pressure. The resolution urges the President and executive branch to respect the Fed's statutory independence and avoid actions or rhetoric that could undermine its credibility. It emphasizes that maintaining this independence is critical for economic stability, price control, and global confidence in U.S. financial markets.

Maddy summaryThis bill requires most health insurance plans to cover HIV prevention services - including PrEP and PEP drugs, related lab tests, counseling, and monitoring - without cost-sharing (like copays or deductibles) or prior approval. It applies to private insurance, Medicare, Medicaid/CHIP, and federal employee health plans, directly affecting people who use HIV prevention medications. Key provisions mandate 100% coverage for FDA-approved HIV prevention drugs, eliminate cost-sharing for these services, and prohibit insurers from requiring preauthorization for them. The bill defines covered services to include all necessary components of HIV prevention care as outlined in current public health guidelines.

Maddy summaryHR 5126, the HIV Prevention Now Act, appropriates $2.165 billion for the CDC's National Center for HIV, Viral Hepatitis, STD, and Tuberculosis Prevention for fiscal year 2026. This funding is in addition to existing CDC appropriations and must be used exclusively by that specific center for its programs, with no transfer to other entities. The bill directly affects the CDC's public health operations by providing dedicated resources for prevention and treatment programs targeting HIV, viral hepatitis, STDs, and tuberculosis. It does not create new policies or alter eligibility but ensures sustained funding for existing prevention efforts at the federal level.

Maddy summaryThe Appalachian Trail Centennial Act designates the Appalachian Trail Conservancy as the official "Designated Operational Partner" for the Appalachian National Scenic Trail, establishing a formal framework for federal-volunteer partnerships in trail management. It creates processes for developing "land and resource protection priority lists" to guide federal funding decisions for trail conservation, while ensuring volunteer organizations can continue their crucial role in trail maintenance and stewardship. The bill also requires regular economic impact assessments for communities near the trail ("gateway communities") and sets protocols for determining visitor capacity on specific trail segments. This legislation codifies and enhances the longstanding partnership model that has successfully maintained the Appalachian Trail for over a century, with potential application to other national scenic and historic trails.

Maddy summary# Summary of Proposed FEMA Reform Legislation (FEMA Act of 2025) This comprehensive legislative document proposes significant reforms to the Robert T. Stafford Disaster Relief and Emergency Assistance Act, with four main sections addressing: ## 1. Disaster Assistance Reforms - **Expanded eligibility** for assistance, including clarifying that absence of a fixed address doesn't disqualify individuals from sheltering assistance - **Improved rental assistance** with consideration of local post-disaster rent increases - **Direct assistance** for those unable to use financial assistance, with no requirement to show other assistance can cover costs (except insurance) - **Enhanced notices** for applicants, including documentation of denial decisions - **Clarification of displacement assistance** eligibility, stating insurance shouldn't be considered a duplication of benefits ## 2. Mitigation Program Enhancements - **Preapproved project mitigation plans** requiring states to develop plans with peer review processes - **Improved allocation of funds** with formulas prioritizing vulnerable communities, high-risk areas, and rural/economically distressed communities - **Resilient buildings** requirements for housing retrofits using the latest building codes - **Streamlined application processes** for hazard mitigation funds across multiple programs - **Study on mitigation benefits** to evaluate cost savings and effectiveness ## 3. Transparency and Accountability Measures - **Public dashboards** for both individual assistance (431) and public assistance (432) showing application status, approvals, denials, and funding - **Transparency requirements** for disaster declarations with detailed justifications for approvals/denials - **GAO studies** on numerous topics including: - Identity theft in disaster assistance (409) - Insurance utilization for public assistance facilities (410) - Wildfire management plans (411) - Effectiveness of alerting systems (412) - Cost savings of repair/rebuilding reforms (415) - **Prohibition on political discrimination** in assistance distribution ## 4. Workforce and Operational Improvements - **Study on workforce retention** in noncontiguous communities - **Pilot program** for preliminary damage assessments in remote communities - **Fast-moving disasters working group** to develop best practices for rapid response The legislation focuses on improving efficiency, transparency, and effectiveness of disaster relief programs while prioritizing vulnerable populations and communities with higher risk of disasters. It also emphasizes data-driven decision making through required studies and reports to continuously improve disaster management policies.

Maddy summaryThe Telehealth Modernization Act extends key Medicare telehealth flexibilities through 2027, removing geographic restrictions and allowing audio-only visits. It expands who can provide telehealth services (including nurse practitioners and rural health clinics) and requires new guidance for serving patients with limited English proficiency. The bill also extends certain hospice care provisions and includes virtual diabetes prevention program options. These changes directly affect Medicare beneficiaries, healthcare providers, and telehealth technology companies.

Maddy summaryHR 5031, the *Preserving Patient Access to Long-Term Care Pharmacies Act*, requires Medicare Part D plans and Medicare Advantage plans with drug coverage (MA-PD) to pay long-term care pharmacies an additional supply fee for each specified prescription dispensed to eligible beneficiaries during 2026 ($30) and 2027 (adjusted for inflation). This fee must be paid alongside existing reimbursements for drug costs and dispensing, with a $10,000 penalty for non-payment. The bill also directs the GAO to study long-term care pharmacy payment sustainability under Medicare, analyzing historical payments for brand/generic drugs and dispensing fees. It aims to ensure uninterrupted pharmacy access for Medicare beneficiaries in long-term care settings, particularly in rural areas.

Maddy summaryHJRES 113 designates August 20 as Slavery Remembrance Day to commemorate the arrival of the first 20 enslaved Africans in Virginia in 1619 and honor the enduring legacy of slavery. The resolution requests the President issue a proclamation encouraging the public to observe this day through ceremonies and activities that acknowledge slavery's horrors and its lasting impacts. It includes historical context about the transatlantic slave trade, the Middle Passage, and figures like Harriet Tubman, while posthumously recognizing Reconstruction-era Black Congress members. As a symbolic commemorative resolution, it does not create new laws or directly affect any group, but serves to raise awareness about slavery's history and consequences.