Rep. Ben Cline

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.

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.)

Maddy summaryHR 734, the Protection of Women and Girls in Sports Act of 2023, amends Title IX to prohibit federally funded schools and athletic programs from allowing individuals assigned male at birth to participate in women's or girls' sports teams. The bill defines "sex" for this purpose as "reproductive biology and genetics at birth," making it a violation of federal law to permit such participation in designated women's or girls' programs. It allows males to train with women's teams only if no female is deprived of a roster spot, competition opportunity, scholarship, or other benefit tied to the team. This law directly affects public and private schools receiving federal financial assistance that operate athletic programs.

Maddy summaryHR 2779 would repeal the federal corporate average fuel economy (CAFE) standards, which require automakers to meet specific fuel efficiency targets for new vehicles. This bill directly affects automobile manufacturers by removing their legal obligation to comply with these fuel efficiency regulations. The key provision eliminates Chapter 329 of Title 49, U.S. Code - the section that established the CAFE program - without creating new requirements. If enacted, it would end the current federal mandate for vehicle fuel economy, shifting regulatory oversight away from the government.

Maddy summaryHR 2743 prohibits large financial institutions (over $100 billion in assets) from denying banking services to lawful businesses based on subjective political reasons, industry type, or reputational concerns. It requires these institutions to use objective, risk-based assessments for service decisions and provide written justifications for denials. The law applies to banks, credit unions, and payment networks, with civil penalties for violations including fines up to $10,000 per incident. It specifically ensures businesses operating legally under federal law receive fair access to financial services without discrimination. The bill mandates that denials be based on documented risk factors, not political bias or category-based exclusion.

Maddy summaryThe Freedom from Government Competition Act of 2023 requires federal agencies to obtain most goods and services from private companies through competitive bidding instead of providing them through government operations. Exceptions apply only when the law mandates government provision, for national defense or homeland security, for inherently governmental functions, or when no private source exists. Agencies must conduct competitive analyses to confirm private sector provision offers the best value to taxpayers and submit annual reports to Congress with a 5-year plan to transition commercial activities to private companies. This policy directly affects federal agencies and private sector providers by shifting procurement responsibilities away from government-run services.

Maddy summaryHR 2712, the Work Not Woke Act, prohibits federal agencies, contractors, and grant recipients from using workplace training that promotes specific "divisive concepts," such as claiming inherent superiority of a race or sex, blaming individuals for historical actions, or suggesting meritocracy is racist. It directly affects federal contractors (requiring contract clauses banning such training), federal agencies (mandating review of diversity training), and grant recipients (requiring certification against using federal funds for prohibited training). Key mechanisms include a Department of Labor hotline for complaints, mandatory contract provisions for contractors, and a ban on using federal funds for three executive orders focused on racial equity. The law permits diversity efforts that do not promote the banned concepts and requires agencies to certify compliance with its provisions.

Maddy summaryHR 2630, the Safe Step Act, requires group health plans and health insurance issuers to establish a clear, transparent process for patients or their doctors to request exceptions to medication step therapy protocols. These protocols typically force patients to try cheaper drugs first before covering more expensive alternatives. The bill mandates that plans must approve exceptions when prior treatments failed, delay would cause serious harm, a treatment is unsafe, or a patient is stable on a previously approved drug, with strict 72-hour (or 24-hour in emergencies) decision timelines. It also requires plans to publish the exception process online and limit documentation requests to only necessary medical information. This law directly affects health insurers, employers offering health plans, and patients using step therapy for prescription drugs.

Maddy summaryHR 2620, the Federal Firearms Licensee Protection Act of 2023, increases penalties for crimes targeting firearms licensees. It amends Section 924 of Title 18 to impose mandatory minimum sentences of 3 years for burglaries or 5 years for robberies committed at the business premises of licensed firearms dealers, manufacturers, or importers. The bill specifically targets violations of Section 922(u), which prohibits unauthorized access to these premises, and adds "attempts to do so" to the penalties. This directly affects licensed firearms businesses by strengthening legal protections against theft or violence at their locations. The law creates clearer, harsher consequences for crimes committed during burglaries or robberies at these specific business sites.

Safe Routes Act of 2023 This bill directs the Department of Transportation to waive vehicle weight limits for covered logging vehicles. The term covered logging vehicle means a vehicle that (1) is transporting raw or unfinished forest products, including logs, pulpwood, biomass, or wood chips; (2) is traveling a distance not greater than 150 air miles from origin to a storage or processing facility; and (3) meets state legal weight tolerances and vehicle configurations for transporting raw or unfinished forest products within the state boundaries in which the vehicle is operating.