Rep. David Kustoff

Maddy summaryHR 5520, the Portal for Appraisal Licensing Act of 2025, creates a central online portal for appraisers and appraisal management companies (AMCs) to submit and renew licenses, certifications, and registrations. The portal will connect state licensing agencies, handle background checks through the FBI, process fees, and store education records, while allowing states to maintain final authority over licensing decisions. It requires appraisers and AMCs to use the portal for applications, background checks, and payments, with states retaining control over their own licensing standards. The bill also establishes an advisory committee and allows user fees to cover portal costs, ensuring no additional burden on states.

Maddy summaryThis federal bill requires abortion providers to inform patients about potential reversal of mifepristone-based chemical abortions (the two-drug process) at least 24 hours before the procedure. After the first drug is dispensed, providers must give written instructions stating that reversal may be possible if the second pill hasn't been taken. Facilities must post visible signs about reversal options, and the government must maintain a website with reversal resources. Violations allow affected patients or family members to sue for damages.

Maddy summaryThis bill ensures Medicare coverage for new medical devices designated as "breakthrough devices" during a 4-year period after FDA approval. To qualify, devices must meet specific criteria, including FDA priority review, clinical data from Medicare beneficiaries, and a safety review showing benefits outweigh risks. Medicare must finalize coverage decisions within 6 months of manufacturer applications and before the 4-year period ends. The law appropriates $10 million annually (2025-2030) for Medicare to administer this process.

Maddy summaryHRES 702 is a symbolic resolution condemning the September 10, 2025, assassination of Charlie Kirk, founder of Turning Point USA and a conservative political activist. It expresses condolences to his family, praises first responders, and reaffirms the right to peaceful assembly. As a non-binding resolution, it does not create new laws or policies but serves as a formal statement of condemnation. The resolution directly addresses the House of Representatives' stance on this event, with no direct impact on constituents or legislation.

Maddy summaryThe FIREARM Act (HR 3770) changes how federal firearm licensees (like dealers) handle violations of firearms laws. It requires the Attorney General to give licensees 30 business days to correct minor, self-reported violations - such as clerical errors - with assistance and training, instead of automatically revoking licenses. The bill also adds a 15-day window for licensees to challenge revocations in federal court, where courts must review the case anew and only uphold revocations if the licensee willfully violated the law. Additionally, it applies retroactively to licensees whose licenses were revoked under a 2021 enforcement policy, allowing them to reapply if they meet compliance requirements.

Maddy summaryHR 2808, the Homebuyers Privacy Protection Act, restricts how consumer reporting agencies share credit reports during mortgage applications. It prevents agencies from sending these reports to third parties unless the request is tied to a firm credit offer and the recipient has either the homebuyer’s explicit written consent or is directly involved in the mortgage (like the lender, loan servicer, or the homebuyer’s bank holding an active account). This directly affects homebuyers applying for residential mortgages by limiting unsolicited sharing of their credit information. The law amends the Fair Credit Reporting Act to strengthen privacy protections around mortgage-related credit data.

Maddy summary# Summary of Proposed FEMA Reform Legislation (FEMA Act of 2025) This comprehensive legislative document proposes significant reforms to the Robert T. Stafford Disaster Relief and Emergency Assistance Act, with four main sections addressing: ## 1. Disaster Assistance Reforms - **Expanded eligibility** for assistance, including clarifying that absence of a fixed address doesn't disqualify individuals from sheltering assistance - **Improved rental assistance** with consideration of local post-disaster rent increases - **Direct assistance** for those unable to use financial assistance, with no requirement to show other assistance can cover costs (except insurance) - **Enhanced notices** for applicants, including documentation of denial decisions - **Clarification of displacement assistance** eligibility, stating insurance shouldn't be considered a duplication of benefits ## 2. Mitigation Program Enhancements - **Preapproved project mitigation plans** requiring states to develop plans with peer review processes - **Improved allocation of funds** with formulas prioritizing vulnerable communities, high-risk areas, and rural/economically distressed communities - **Resilient buildings** requirements for housing retrofits using the latest building codes - **Streamlined application processes** for hazard mitigation funds across multiple programs - **Study on mitigation benefits** to evaluate cost savings and effectiveness ## 3. Transparency and Accountability Measures - **Public dashboards** for both individual assistance (431) and public assistance (432) showing application status, approvals, denials, and funding - **Transparency requirements** for disaster declarations with detailed justifications for approvals/denials - **GAO studies** on numerous topics including: - Identity theft in disaster assistance (409) - Insurance utilization for public assistance facilities (410) - Wildfire management plans (411) - Effectiveness of alerting systems (412) - Cost savings of repair/rebuilding reforms (415) - **Prohibition on political discrimination** in assistance distribution ## 4. Workforce and Operational Improvements - **Study on workforce retention** in noncontiguous communities - **Pilot program** for preliminary damage assessments in remote communities - **Fast-moving disasters working group** to develop best practices for rapid response The legislation focuses on improving efficiency, transparency, and effectiveness of disaster relief programs while prioritizing vulnerable populations and communities with higher risk of disasters. It also emphasizes data-driven decision making through required studies and reports to continuously improve disaster management policies.

Maddy summaryThis bill establishes "cottage family homes" as a new foster care placement option under federal law. It defines these homes to require trauma-informed care, prohibit seclusion/restraints (except brief physical restraint for safety), ensure children can participate in normal activities, and maintain family connections. The bill removes time limits on foster care payments for children in these homes and gives states flexibility to classify them as foster family homes if they serve children's best interests. It directly affects foster children placed in cottage homes and the agencies operating them.

Maddy summaryThis bill extends tax filing deadline relief from 60 to 120 days for taxpayers affected by natural disasters. It allows states (or the District of Columbia) to request IRS postponements for disasters like hurricanes, floods, or droughts, rather than requiring federal disaster declarations. The change applies to all taxpayers in affected areas across all 50 states, territories, and the District of Columbia. The law modifies IRS rules under Section 7508A of the Internal Revenue Code to implement these longer, state-declared disaster extensions.

Maddy summaryThis bill modernizes the process for seasonal agricultural workers who need commercial driver's licenses (CDLs). It requires the Transportation Secretary to create online systems for easy license renewal (Section 2(a)) and clarifies that farm equipment like tractors and harvesters ("implements of husbandry") are not subject to commercial vehicle weight calculations (Section 2(b)). It directly affects farm-related service industries and their seasonal employees who operate restricted CDL vehicles. The changes simplify administrative processes and remove regulatory barriers for agricultural operations.