Rep. Thomas P. Tiffany

Maddy summaryThe Employee Rights Act (HR 2700) amends key labor laws to strengthen employee rights in collective bargaining and privacy. It requires employers to use secret ballot elections for selecting bargaining representatives and to provide labor organizations with voter lists containing employee names and one form of contact information (chosen by the employee) within two business days of an election. The bill prohibits employers from using employee personal information for non-organizing purposes and mandates written authorization for using union dues on non-bargaining activities, with authorizations expiring after one year. Additionally, it clarifies joint employment standards to prevent misclassification and adds tribal sovereignty protections to labor law definitions.

Maddy summaryHR 2937, the Repeal CFPB Act, would end the Consumer Financial Protection Bureau (CFPB) by repealing the 2010 law that created it. If passed, this bill would eliminate the CFPB entirely, restoring all financial regulations and enforcement powers that existed before the CFPB was established. It directly affects consumers and financial institutions that currently interact with the CFPB for oversight of products like mortgages, credit cards, and loans. The key mechanism is a complete repeal of the Consumer Financial Protection Act of 2010, reversing the creation of the agency and returning regulatory authority to other agencies like the Federal Reserve.

Maddy summaryHR 2933, the Federal Insurance Office Elimination Act, removes the Federal Insurance Office (FIO) and its director position from the Department of the Treasury. The bill updates references to the FIO in the Dodd-Frank Act and the Economic Growth, Regulatory Relief, and Consumer Protection Act to instead reference the Treasury Secretary or other entities, without altering the Treasury Secretary’s existing insurance authority. This change streamlines federal insurance oversight by eliminating a dedicated office while maintaining the Treasury’s role in insurance policy matters.

Maddy summaryThe Student Empowerment and Financial Literacy Act (HR 2943) creates a federal grant program to fund innovative financial literacy education in elementary and secondary schools. It provides competitive grants to eligible entities - like schools, community groups, or financial institutions - to develop programs teaching personal finance topics (e.g., budgeting, credit, student loans, saving) that improve student awareness and teacher training. Grants last up to 3 years, with renewal possible for successful programs, and prioritize projects serving underbanked communities, diverse geographic areas, and students with varying needs. The program aims to expand voluntary financial literacy resources for K-12 students nationwide.

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 summaryHR 2865 requires the U.S. President to immediately close two diplomatic offices in New York City: the Consulate General of the People’s Republic of China and the Hong Kong Economic and Trade Office. Within 72 hours of the bill’s enactment, the President must order the closure of both offices and expel all diplomatic personnel assigned to them. For the Hong Kong office, the bill specifically overrides existing law (Public Law 105-22) to cancel visas or entry documents for Chinese citizens working there. This bill directly affects the operations and personnel of these two Chinese diplomatic missions in New York.

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.

DPA Reform Act of 2023 This bill modifies the Defense Production Act of 1950 by requiring that there must be a declaration of war to exercise authority under the act. The act generally gives the President certain authorities to influence domestic industry in the interest of national defense. The bill provides that there must be a declaration of war for the President to exercise authority under the act related to (1) priorities and allocations for materials and services; (2) the expansion of productive capacity and supply; and (3) general provisions, such as those related to appointment policies.

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.