Rep. Monica De La Cruz

Maddy summaryThe HELPER Act of 2023 creates a new FHA mortgage insurance program specifically for first responders and K-12 teachers. It allows eligible first-time homebuyers in these professions to secure mortgages with 100% financing (no down payment required) for purchasing or repairing a primary residence. To qualify, applicants must be employed as law enforcement, firefighters, paramedics, or K-12 teachers, have completed housing counseling, and meet specific employment history requirements (e.g., 4 years in the role or disability-related release). The program authorizes $660,000 for fiscal year 2024 and $160,000 annually through 2030, with authority expiring after 5 years.

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.

Scope 3 Act This bill prohibits any securities law requirement that an issuer of securities must disclose the greenhouse gas emissions of its value chain (i.e., scope 3 emissions).

Maddy summaryThis bill protects living organ donors from insurance discrimination by prohibiting life, disability, and long-term care insurers from denying coverage, raising premiums, or altering policy terms solely because someone donated an organ while alive. It also updates the Family and Medical Leave Act to include recovery from organ donation surgery as a qualifying health condition, allowing donors to take protected leave for this purpose. Additionally, the bill requires the Health and Human Services Secretary to update public educational materials about living donation benefits, risks, and insurance protections within six months of enactment. These changes directly affect living organ donors, insurers, employers, and healthcare systems by ensuring fair access to insurance and workplace leave.

Maddy summaryHR 2955, the Stop Institutional Child Abuse Act, establishes a Federal Work Group to improve data collection and best practices for youth in residential programs (like therapeutic schools, treatment centers, and group homes). The Work Group, composed of federal agency representatives and diverse stakeholders, must develop national data standards, create risk assessment tools, and issue biennial reports with recommendations to enhance safety, reduce restraints, and expand community-based alternatives. It directly affects youth with mental health, substance use, or disability needs placed in these facilities, as well as agencies overseeing them. The bill also mandates a National Academies study to examine funding, oversight, and barriers to community care. These mechanisms aim to standardize data tracking and promote less restrictive, trauma-informed care for youth in residential programs.

Maddy summaryHR 2895, the Time Is Up Act of 2023, sets strict deadlines for the President to act on foreign investment reviews under the Committee on Foreign Investment in the United States (CFIUS). It requires the President to announce any suspension or prohibition of a covered foreign investment deal within 15 days of the bill's enactment if more than 105 days (or 60 days for certain investigations) have passed since review began without a decision. For any announcement made before or after the bill's enactment, the President must complete the suspension or prohibition within 30 days of the announcement. This bill directly affects foreign entities seeking to invest in U.S. businesses and the federal process reviewing those deals for national security risks.

Maddy summaryThis bill adjusts veterans' disability and survivor benefits to match the annual cost-of-living increase for Social Security. It requires the Veterans Affairs Secretary to raise specific payments - such as disability compensation for veterans, dependency payments for spouses and children, and clothing allowances - effective December 1, 2023, by the same percentage as the Social Security COLA for that year. The adjustment directly affects veterans receiving disability compensation under 38 U.S.C. § 1114, surviving spouses under § 1311, and children under §§ 1313-1314, as well as those receiving clothing allowances. The change ensures these benefits keep pace with inflation, using the Social Security Act’s established adjustment formula.

Maddy summaryHR 2906, the "Reject Latinx Act," prohibits U.S. federal executive agencies from using the terms "latinx" or "latin-x" (or variations) in any official public document. This applies to all documents produced on or after a 30-day effective date following the bill's enactment. The bill directly affects federal agencies responsible for creating public-facing communications, such as reports, forms, or websites. It does not restrict the terms in private or non-governmental contexts. The law mandates this language change for all new agency documents but does not require altering existing documents.

This joint resolution nullifies a Department of Labor final rule entitled Adverse Effect Wage Rate Methodology for the Temporary Employment of H-2A Nonimmigrants in Non-Range Occupations in the United States and published on February 28, 2023. This rule makes changes to the methodology used to set adverse effect wage rates for H-2A workers (temporary agricultural workers), including by using Bureau of Labor Statistics wage surveys in certain instances. (Generally, the minimum wage for an H-2A worker is the highest of the adverse effect wage rate, the applicable minimum wage, the prevailing wage for that occupation in that area, or any agreed-upon collective bargaining wage.)