Sen. Brian Schatz

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 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 requires the VA to provide telehealth services, mail-order pharmacy benefits, and mandatory beneficiary travel payments to veterans residing in the Freely Associated States (including Palau, the Marshall Islands, and Micronesia) within one year of enactment. It mandates quarterly reporting to Congress on implementation progress and associated costs. The law directly affects veterans in these Pacific Island nations by expanding access to critical healthcare and travel support services previously not uniformly guaranteed.

Maddy summaryThis Senate resolution (SRES 554) recognizes the established connection between climate change and rising home insurance costs in the U.S. It cites data showing insured disaster losses have increased 1,000% since 2000 (to over $100 billion annually) and insurance premiums have more than doubled since 2013, with some states averaging over $14,000 yearly. The resolution states that climate-driven natural disasters are driving these costs, which now exceed 20% of mortgage payments in many areas. It does not create new laws or policies but formally acknowledges this issue for public awareness.

Maddy summaryThis resolution (SRES 562) recognizes that ground-level ozone pollution (smog) causes health issues like lung disease, asthma attacks, cardiovascular problems, and reproductive harm, particularly affecting vulnerable groups such as children. It cites data showing smog contributed to 14,000 U.S. deaths annually in 2021 and damages crop yields. The resolution urges the Environmental Protection Agency (EPA) to implement the 2024 methane standards - which aim to cut methane pollution by 79% over 15 years - to reduce smog-forming emissions. As a non-binding Senate resolution, it does not create new laws but formally expresses the Senate’s position on EPA action.

Maddy summarySRES 557 is a symbolic Senate resolution recognizing climate change as a threat to financial stability. It cites specific data, including $165 billion in U.S. weather-related losses in 2022, projected $25 trillion declines in global property values, and potential $178 trillion global economic costs by 2070 if climate risks are unaddressed. The resolution states that unchecked climate change poses severe risks to national and global economies, including destabilizing insurance markets and mortgage systems. As a non-binding resolution, it does not create new laws or directly affect any group but formally acknowledges these financial risks for the Senate's record.