Sen. Joni Ernst

Maddy summaryThis bill, titled misleadingly as the "Secure Family Futures Act of 2025," actually modifies tax rules for specific insurance companies, not family-related policies. It directly affects "applicable insurance companies" (defined as most domestic insurers not using special tax elections or foreign entities) by: (1) excluding their debt holdings (like bonds) from being counted as capital assets for tax purposes, and (2) allowing capital losses incurred by these companies to be carried forward over 10 years instead of the standard period. These changes apply to debt acquired and losses arising after December 31, 2025. The bill contains no provisions related to families, child welfare, or social programs.

Maddy summaryThis resolution (SRES 159) is a ceremonial Senate measure honoring the late Senator John Bennett Johnston, Jr. (1932-2024), who represented Louisiana in the U.S. Senate from 1972 to 1997. It commemorates his career, including his work on energy policy, flood control, and Louisiana conservation efforts, and requests the Senate adjourn in his memory while sending condolences to his family. As a non-binding resolution, it has no policy impact or direct effect on any individuals or laws.

Maddy summaryThis bill changes the tax code to treat recreational travel trailers and campers the same as other qualifying property for tax purposes. It directly affects owners of trailers and campers designed for temporary living (like those used for camping or seasonal stays) that are towed by vehicles. The key provision amends the tax code to explicitly include these vehicles in the definition of property eligible for certain tax benefits. The change takes effect for tax years beginning after December 31, 2024.

Maddy summarySenate Joint Resolution 45 seeks to block an Environmental Protection Agency (EPA) rule that would have allowed California to enforce its Advanced Clean Cars II vehicle emission standards. The resolution uses the congressional disapproval process under federal law to declare the EPA rule invalid, preventing California from implementing its stricter pollution controls for cars and trucks. If passed, this resolution would stop the rule from taking effect, meaning California could not override federal vehicle emission standards with its own requirements. The bill directly affects California's ability to set state-level environmental regulations for motor vehicles and the EPA's regulatory authority.

Maddy summaryS 1289 authorizes the U.S. Mint to produce and sell commemorative $5 gold and $1 silver coins to mark the 25th anniversary of the September 11, 2001, terrorist attacks. The bill specifies coin specifications (e.g., 90% gold/silver content, design requirements including "Never Forget"), sets a one-year issuance window (January 1, 2027-2028), and requires surcharges of $35 per gold coin and $10 per silver coin. These surcharges will be paid directly to the National September 11 Memorial and Museum to support its operations and maintenance, with coins sold at a price covering face value, surcharge, and production costs. The legislation does not impose new regulations or affect public policy but focuses on commemoration and funding for the museum.

Defending Education Transparency and Ending Rogue Regimes Engaging in Nefarious Transactions Act or the DETERRENT Act This bill expands oversight and disclosure requirements related to foreign sources and institutions of higher education (IHEs). Specifically, the bill requires an IHE to annually disclose to the Department of Education (ED) any year in which the IHE receives a gift from a foreign country of concern (e.g., China or Russia) or foreign entity of concern of any dollar amount; receives a gift or contract from a foreign source (other than a foreign country of concern or foreign entity of concern) that is valued at $50,000 or more, considered alone or in combination with all other gifts or contracts within a calendar year (current disclosure threshold is $250,000 or more), or which has an undetermined monetary value; enters into a contract with a foreign country of concern or foreign entity of concern after receiving a waiver for such contract; or is substantially controlled by a foreign source. Additionally, the bill prohibits IHEs from entering into contracts with a foreign country of concern or with a foreign entity of concern without obtaining a waiver, and requires certain IHEs to disclose gifts or contracts between covered individuals (e.g., researchers) and foreign sources. The bill requires ED to investigate possible violations of this bill and outlines the various penalties for each violation. Penalties may include losing eligibility for federal student financial aid.

Maddy summaryThis bill requires all new passenger vehicles sold in the U.S. (including domestically manufactured, imported, or shipped vehicles) to include AM radio as standard equipment, meaning it must be built into the vehicle at no extra cost to buyers. It mandates that manufacturers install AM radio receivers that can access both traditional and digital AM broadcast stations, with compliance deadlines set 2-4 years after the rule is issued. During a transition period before the rule takes effect, manufacturers must clearly label vehicles without AM radio but cannot charge extra for AM access. The bill also prohibits states from creating their own requirements about AM radio access in vehicles, aiming to ensure consistent emergency alert capabilities through AM radio in cars.

Maddy summarySRES 153 is a ceremonial Senate resolution designating March 27, 2025, as "National Women in Agriculture Day." It recognizes the contributions of women in U.S. agriculture, citing that women operate over 1.2 million farms (36% of total sales, $222 billion in 2022) and work across diverse roles from farming to education and advocacy. The resolution encourages public acknowledgment of women’s impact on the agricultural workforce and food systems, urging support for women entering the field, leadership opportunities, and global food security. As a non-binding resolution, it does not create new laws or funding but formally honors this group during National Women’s History Month and National Ag Week.

Maddy summaryThe Sanctioning Russia Act of 2025 establishes a framework for imposing comprehensive sanctions on Russia if the President determines Russia is engaging in actions that undermine peace with Ukraine, such as refusing to negotiate a peace agreement, violating peace agreements, or planning another military invasion. If such a determination is made, the bill mandates blocking property of Russian officials and entities, prohibiting transactions with Russian financial institutions, increasing tariffs on Russian goods to at least 500% ad valorem, banning energy exports to Russia, and prohibiting purchases of Russian sovereign debt. It also imposes sanctions on countries that purchase Russian oil, uranium, or petroleum products, with duties of at least 500% on such goods. The bill requires the President to make determinations every 90 days and allows for termination of sanctions if Russia ceases harmful actions and enters a peace agreement with Ukraine, with immediate reimposition if Russia resumes those actions.

Maddy summaryS 1047 blocks small businesses from receiving most government financial aid if any key person (like owners, officers, or major shareholders) is finally convicted of fraud related to pandemic-era loans or grants. It specifically prohibits aid for businesses where associates have been convicted of financial misconduct involving covered SBA loans (like those under Section 7(a) or 7(b) during the pandemic) or pandemic relief grants from the American Rescue Plan Act. The rule does not apply to existing contracts before the bill’s enactment, but businesses may still access Section 7(b) loans even with such convictions. This directly affects small businesses seeking federal aid who have associates with finalized fraud convictions tied to specific pandemic assistance programs.