Rep. Michael Cloud

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.

Maddy summaryHRES 90 is a resolution demanding the Chinese government immediately release Mark Swidan, a U.S. citizen from Texas who has been detained since 2012 on drug trafficking charges. The resolution cites the UN Human Rights Council Working Group finding his detention arbitrary, with no evidence of drug offenses, passport records showing he wasn’t in China during the alleged crimes, and China denying his family contact and medical care. It specifically condemns China for blocking U.S. diplomatic access and calls on the U.S. government to prioritize Swidan’s release through diplomatic channels. The resolution focuses on the case’s documented legal and humanitarian issues, not broader policy implications.

Homeland and Cyber Threat Act or the HACT Act This bill allows claims in federal or state court against foreign states that conduct or participate in cyberattacks against U.S. nationals.

Maddy summaryHJRES 27 is a congressional resolution seeking to block a federal rule that redefined which waterways fall under the Clean Water Act's protections. It targets a rule submitted by the Army Corps of Engineers, Department of Defense, and Environmental Protection Agency (EPA) on January 18, 2023, which aimed to revise the "Waters of the United States" definition. The resolution would formally disapprove this rule under a specific federal procedure (Chapter 8 of Title 5), preventing it from taking effect. This would directly affect how federal agencies regulate pollution and development near water bodies, including wetlands and smaller streams.

Maddy summaryHR 2678, the Ending Trading and Holdings in Congressional Stocks (ETHICS) Act, prohibits Members of Congress, their spouses, and dependent children from owning or trading most stocks, commodities, and derivatives (defined as "covered investments"). The bill requires existing investments to be divested or placed in qualified blind trusts within 120 days, with exemptions for diversified funds, government bonds, and certain small business investments. It establishes civil penalties of $500 per violation or 10% of the investment value for noncompliance and mandates online public disclosure of financial information to increase transparency. The law applies to congressional staff beginning January 31, 2023, for new terms of service.

Maddy summaryHR 1581, the America Works Act of 2023, modifies work requirement exemptions for the Supplemental Nutrition Assistance Program (SNAP). It expands direct exemptions to include individuals medically certified as unfit for work, parents or caregivers of children under 7, and pregnant women, while removing a specific enforcement clause (Section 6(o)(4)(A)(ii)). The bill adjusts existing exemption rules to clarify that certain exemptions apply retroactively to cases beginning before the bill's enactment date. These changes directly affect SNAP recipients who would otherwise face work requirements under federal law.

Let Experienced Pilots Fly Act of 2023 This bill raises the mandatory retirement age for pilots engaged in commercial aviation operations from 65 to 67 years of age, unless the operation takes place in (1) the territorial airspace of a foreign county where such operations are prohibited by the foreign country, or (2) international airspace where such operations are not in compliance with the Annexes to the Convention on International Civil Aviation. The Federal Aviation Administration must also submit a report to Congress on further increasing the age limitation for pilots engaged in commercial aviation operations.

No Partisan Radio and Partisan Broadcasting Services Act or the NPR and PBS Act This bill prohibits federal funding of National Public Radio (NPR) and the Public Broadcasting Service (PBS), including by prohibiting the use of federal funds received by a public broadcast station to pay dues to or purchase programming from NPR or PBS.

This resolution supports the preservation of the stepped-up basis tax rule that allows recipients of inherited assets such as land, equipment, or buildings to adjust the cost basis of the assets to reflect their fair market value. The resolution opposes any efforts to impose new taxes on family farms or small businesses and recognizes the importance of generational transfers of farm and family-owned businesses.

Maddy summaryH.J. Res. 26 is a congressional disapproval resolution blocking the District of Columbia Council's approval of its Revised Criminal Code Act of 2022 (D.C. Act 24-789). It directly affects the District of Columbia by preventing the new criminal code from taking effect, as Congress disapproved the Council's action under the Home Rule Act. The resolution formally rejects the Council's enactment of the code, which was transmitted to Congress on January 27, 2023. This procedural action stops the District from implementing the revised criminal code without further congressional action.