Rep. Nathaniel Moran

Maddy summaryThe Medicare Advantage MLR Transparency Act requires insurance companies offering Medicare Advantage plans to publicly disclose detailed financial data starting in 2029. Under this bill, each plan must report how much total revenue it collects and specifically how much is spent on actual medical claims versus administrative overhead costs. The law also mandates that this financial information be presented in a consumer-friendly format and aligns the way benefits are displayed with standards used by other health insurance plans. These changes aim to give Medicare beneficiaries clearer insight into how their premiums are utilized by the plans they choose.

Maddy summaryThis bill requires Medicare Advantage plans to implement electronic pre-approval systems for medical services by 2028 and meet transparency reporting standards starting in 2027. Plans must publicly report data on approval/denial rates, appeal outcomes, response times, and technology use for pre-approval requests, including details on how denials relate to clinical criteria. It establishes a 24-hour response timeframe for certain requests and mandates annual reviews of pre-approval requirements based on data and input from seniors and providers. The law directly affects Medicare Advantage plans, seniors enrolled in these plans, and healthcare providers who submit pre-approval requests. These changes aim to make the pre-approval process faster, more transparent, and more accountable for seniors seeking covered medical services.

Protecting Privacy in Purchases Act This bill prohibits payment card networks from using merchant codes that distinguish firearms retailers from general-merchandise retailers or sporting-goods retailers. The Department of Justice must enforce this bill and report annually on the resulting investigations and cases.

Maddy summaryThe AI Incident Reporting Act requires artificial intelligence developers to report specific high-risk incidents to the Secretary of Commerce within seven days of discovery. These reportable events include attempts to evade oversight, unauthorized theft of model weights, capabilities that could accelerate cyberattacks or weapon development, and any incidents posing serious risks to national security or public safety. To encourage transparency, the bill provides legal protections that prevent reported information from being used against developers in lawsuits or regulatory enforcement actions, while also mandating that sensitive data be kept confidential. Developers must submit detailed descriptions of these incidents, and the government must notify key congressional leaders immediately if a report indicates an imminent threat. The Act also establishes a framework for the Secretary to define which AI models are covered and to enforce compliance through civil penalties of up to $2 million for violations.

Maddy summaryThe Premium Transparency Act requires health insurers and Medicare Advantage organizations to publicly disclose how they spend premium revenue, specifically detailing the percentages allocated to claims, overhead costs, and retained profits. Starting in 2027, these companies must publish this data in a consumer-friendly format on their websites for each plan they offer, allowing individuals to compare financial transparency across different coverage options. Additionally, the bill mandates that the government issue standardized guidance by 2028 to ensure key plan details, such as deductibles, out-of-pocket limits, and specific care costs, are presented in plain English. A further provision updates online plan comparisons to include this new financial data beginning in 2029, aiming to help consumers make more informed decisions about their health insurance.

Maddy summaryThis bill prevents public colleges receiving federal funding from denying religious student groups access to campus facilities and official recognition - same as other student organizations. It requires equal treatment for religious groups regarding meeting spaces, events, and institutional support, prohibiting discrimination based on religious beliefs or practices. The law directly affects all public universities participating in federal student aid programs (over 400 institutions). It mandates policy changes to ensure religious groups receive the same access and benefits as secular clubs.

Maddy summaryThis bill redesignates the existing National Parks and Public Land Legacy Restoration Fund as the America's Legacy Restoration Fund to address deferred maintenance on federal lands. It directs revenue from recreation fees and a portion of energy development income into the fund, which must be used primarily for repairing critical infrastructure like roads, trails, and buildings managed by agencies such as the National Park Service and the Forest Service. The legislation establishes strict rules requiring that most funds go toward non-transportation projects, mandates transparency through public dashboards tracking project status, and sets aside a small percentage for matching private donations. Additionally, the bill increases entrance fees for foreign visitors to ensure they contribute to the fund, while prohibiting the use of these specific funds for land acquisition or employee bonuses.

Maddy summaryHR 2152, the AI PLAN Act, requires the Treasury, Homeland Security, and Commerce departments to create annual reports addressing AI risks in financial crimes. These reports must detail current defenses against AI-driven fraud, misinformation, deepfakes, voice cloning, and foreign election interference, plus list available and needed resources (like technology and funding) to protect U.S. financial systems. The bill directs agencies to submit legislative recommendations within 90 days of each report to help combat these threats. It primarily affects federal agencies and indirectly impacts businesses and individuals targeted by AI-powered financial crimes.

Maddy summaryThe Small Business and Consumer Credit Act of 2026 changes how certain financial institutions can use tax losses to offset future profits. It allows these banks to carry forward net operating losses for up to 20 years, with additional rules allowing them to carry losses back to previous years starting in 2028. The law specifically applies to independent banks and certain affiliated groups, requiring them to make an irrevocable election on their tax returns to use these new provisions.

Repealing Big Brother Overreach Act This bill repeals the Corporate Transparency Act. The act requires existing companies and newly created companies to report beneficial ownership information to the Department of the Treasury’s Financial Crimes Enforcement Network for purposes of addressing the financing of terrorism and money laundering.