Rep. Scott Fitzgerald

Maddy summaryThis bill amends the Regulatory Flexibility Act to strengthen protections for small businesses affected by federal regulations. It requires agencies to conduct more detailed analyses of how proposed rules impact small entities, including assessing both direct and indirect economic effects like compliance costs and revenue impacts. The bill expands the definition of "small entity" to include more nonprofits and tribal organizations, and mandates agencies to consider alternatives that minimize negative impacts or maximize benefits for these businesses. It also enhances the role of the Small Business Administration's Chief Counsel for Advocacy, granting them greater authority to review regulations and represent small business interests during rulemaking.

Maddy summaryHRES 483 is a House resolution recognizing the 250th anniversary of the U.S. Army's founding on June 14, 1775. It expresses appreciation for the Army's service over 250 years, honors soldiers' valor and core values, and calls for public observance through ceremonies and activities. The resolution has no policy impact or funding provisions - it is purely commemorative. It was introduced by 30 bipartisan House members and referred to the Armed Services Committee.

Maddy summaryHR 649, the Whole Milk for Healthy Kids Act of 2025, amends the National School Lunch Act to allow schools participating in the program to offer students both organic and non-organic whole milk, in addition to reduced-fat, low-fat, and fat-free options. Key provisions include clarifying that milk fat in whole milk should not count toward saturated fat limits for meal compliance, prohibiting schools from purchasing milk from Chinese state-owned enterprises, and ensuring schools cannot be barred from offering the full range of milk types listed. The bill directly affects public and private schools serving the National School Lunch Program by expanding their milk options for students. It focuses on concrete policy changes to dietary offerings and sourcing restrictions within the school nutrition program.

Maddy summaryThe Bank Failure Prevention Act of 2025 (HR 1900) streamlines the approval process for bank holding company applications. It requires the Federal Reserve Board to notify applicants within 30 days if their application is complete or needs more information, with a possible 30-day extension for complex cases. The bill mandates that the Board must approve or deny applications within 90 days of submission, automatically granting approval if they miss this deadline. This directly affects banks seeking regulatory approvals for mergers or acquisitions by reducing delays in the review process.

Maddy summaryHR 1605, the Separation of Powers Restoration Act of 2025, amends federal law to change how courts review agency actions. It requires courts to independently re-examine all legal questions - including interpretations of laws and regulations - when reviewing agency decisions, rather than deferring to the agency's interpretation. This applies to all judicial reviews of agency actions under existing law, unless a specific law explicitly exempts such cases by citing this new provision. The bill directly affects federal courts and agencies like the EPA or FDA by altering the standard for reviewing their regulatory interpretations.

Maddy summaryHR 3437, the Insurance Data Protection Act, prevents duplicate data collection from insurance companies by requiring federal financial regulators to coordinate with state insurance regulators before gathering data already available through other channels. It reinforces confidentiality by ensuring that sharing nonpublic data with federal regulators does not waive privacy protections under federal or state law, and maintains existing confidentiality agreements. The bill also establishes that data shared with regulators can only be provided to state regulators through new agreements that comply with privacy laws. This directly affects insurance companies (as "covered entities"), federal financial regulators, and state insurance regulators. The key change is creating a formal process to avoid redundant data requests while strengthening data privacy for the insurance industry.

Maddy summaryThis bill changes the governance structure of the Consumer Financial Protection Bureau (CFPB) from a single Director to a 5-member commission. The commission would require at least 2 members with private sector financial experience and at least 1 member with State bank supervision experience, all appointed by the President with Senate confirmation. The bill updates references to "Director" throughout various laws to "Commission" or "Chair" to reflect this new structure. These changes aim to create a more balanced leadership model for the Bureau while maintaining its regulatory authority over consumer financial products and services.

Maddy summaryHRES 412 is a non-binding House resolution congratulating Pope Leo XIV on his historic election as the 267th pope and the first American-born pope in the Catholic Church's 2,000-year history. The resolution recognizes his Chicago upbringing, missionary work in Peru, and commitment to humility and pastoral care, highlighting his significance for American Catholics. As a symbolic gesture with no legal effect, it expresses the House's support for his leadership without altering any policies or affecting any stakeholders.

Maddy summaryThis bill phases out enhanced federal funding for Medicaid in states that expanded coverage under the Affordable Care Act. It gradually reduces the federal share of Medicaid costs for states that expanded coverage, decreasing the percentage each year from 2027 through 2034 before returning to standard funding levels after 2035. The change directly affects low-income residents in expansion states who rely on Medicaid, as states will pay more for their coverage over time. Non-expansion states (those that haven't expanded Medicaid) are exempt from these reductions, and expansion states can choose to limit coverage to individuals at or below 100% of the federal poverty line to maintain the higher federal funding rate.

Maddy summaryHR 3277, the Ensuring Lasting Smiles Act, requires group health plans and health insurance issuers to cover medically necessary outpatient and inpatient treatments for congenital anomalies or birth defects primarily affecting the eyes, ears, teeth, mouth, or jaw. This includes reconstructive procedures, dental/orthodontic support during treatment, and follow-up care, but excludes purely cosmetic surgery not tied to a medical diagnosis. Cost-sharing (like copays) for these services must not be stricter than for other medical benefits. The law takes effect for plan years beginning January 1, 2026, and mandates insurers to provide notice about this coverage to beneficiaries.