Sen. Tammy Baldwin

Maddy summaryThis bill requires health insurance plans to cover mental health and substance use disorder services without copays, deductibles, or other out-of-pocket costs for pregnant and postpartum individuals. It applies to in-network providers and includes telehealth services, covering care from pregnancy diagnosis through the first year after birth. The law takes effect for plan years beginning two years after enactment. It directly affects individuals enrolled in employer-sponsored or individual health insurance plans who need mental health support during pregnancy and the postpartum period.

Maddy summarySRES 585 is a commemorative resolution honoring Ben Nighthorse Campbell, a former U.S. Senator from Colorado and the first Native American to chair the Senate Committee on Indian Affairs. It recognizes his military service, Olympic judo career, legislative work (including authoring the National Museum of the American Indian Act), and advocacy for tribal communities. The resolution has no policy impact - it formally expresses the Senate’s respect for his legacy, requests transmission to his family, and directs a moment of silence. It directly affects Campbell’s legacy and family, not any current policy or population. (Note: This is a procedural resolution, not a bill with legislative provisions.)

Maddy summaryS 3660, the Credit Card Fairness Act, limits late fees charged by large credit card issuers (those with 1 million+ open accounts) to a maximum of $8 per late payment. The bill requires that late fees be proportional to the actual costs incurred by issuers for late payments, not set arbitrarily. It allows the Consumer Financial Protection Bureau (CFPB) to adjust the $8 cap annually based on inflation (using the Consumer Price Index), but the fee must never exceed the issuer's documented costs. This bill directly affects major credit card companies and aims to prevent excessive late fees, codifying the CFPB's existing rule into law.

This joint resolution directs the President to terminate the use of U.S. Armed Forces for hostilities within or against Venezuela unless a declaration of war or authorization to use military force for such purpose has been enacted. The joint resolution specifies that it shall not be construed to prevent the United States from defending itself from an armed attack or threat of an imminent armed attack.

Maddy summaryThis bill, S 3631 (PUBLIC SAFETY Act), increases federal funding for local law enforcement programs. It amends the COPS Hiring Program to redirect funds from U.S. Immigration and Customs Enforcement to the Attorney General, extends grant deadlines to 2030, and waives certain requirements for small local governments (under 175 officers) and tribal governments. It also allocates $45 billion for fiscal year 2025 to the Edward Byrne Memorial Justice Assistance Grant (Byrne JAG) Program, which supports state and local crime prevention and justice initiatives. These changes directly affect cities, counties, townships, and tribal governments seeking federal funding to hire officers and support public safety programs.

Maddy summarySJRES 84 is a joint resolution seeking to block a rule issued by the Centers for Medicare & Medicaid Services (CMS) under the Affordable Care Act. The rule, published in the Federal Register on June 25, 2025, aimed to improve affordability and integrity in health insurance marketplaces. If approved, this resolution would invalidate the rule under a federal disapproval process, preventing its implementation. This directly affects how health insurance plans are structured and priced for consumers using ACA marketplaces.

Maddy summaryThis resolution commemorates the fifth anniversary of the January 6, 2021, Capitol attack and honors the U.S. Capitol Police, Metropolitan Police Department, and Capitol staff (including custodial, janitorial, and maintenance personnel) who protected the building during the assault. It recognizes their bravery in defending Congress during the attack, which injured over 100 officers and contributed to five officer deaths, and acknowledges their ongoing essential work in maintaining Capitol operations. The resolution expresses Senate gratitude for their service and reaffirms commitment to protecting democratic processes. As a commemorative resolution, it does not create new laws or funding.

Maddy summarySJRES 82 is a joint resolution seeking to block a rule issued by the Department of Health and Human Services (HHS) regarding how the agency should follow the text of the Administrative Procedure Act (APA), a federal law governing how agencies create regulations. The rule, published in March 2025, was identified by the Government Accountability Office as a "rule" subject to the Congressional Review Act. If enacted, this resolution would void the HHS policy, preventing it from taking effect and requiring HHS to disregard this specific internal guideline. The bill directly affects HHS's rulemaking procedures by invalidating the policy statement on APA adherence.

Maddy summaryThe Data Care Act of 2025 requires online service providers (like social media platforms or apps that collect user data) to securely handle "individual identifying data," especially sensitive information like health details, biometrics, financial data, or precise location. It imposes three key duties: (1) reasonably securing data from breaches, (2) not misusing data to harm users or benefit themselves, and (3) restricting data sharing to third parties only with strict confidentiality contracts. The Federal Trade Commission and state attorneys general can enforce these rules through penalties for violations, with civil fines calculated based on the number of affected users or days of noncompliance. The law directly affects major digital platforms collecting user data and takes effect 180 days after enactment.

Maddy summaryThis bill repeals origination fees charged on new Federal Direct Loans under the Higher Education Act. It directly affects borrowers who take out new federal student loans through the Direct Loan program, eliminating an upfront fee they previously paid. The change takes effect for loans with their first disbursement or consolidation applications received on or after July 1 following the bill's enactment. The bill focuses solely on removing this specific fee, not on tax changes as the title suggests.