Rep. Michael Cloud

Maddy summaryThis bill blocks the Federal Housing Finance Agency (FHFA) and mortgage enterprises (like Fannie Mae and Freddie Mac) from implementing specific mortgage fee changes announced in January 2023. It specifically revokes the FHFA's updated single-family mortgage pricing framework and related guidance documents. The bill does not affect the existing practice of risk-based pricing for mortgage credit fees, which remains permitted. It directly impacts mortgage lenders and borrowers by halting the 2023 fee changes without altering current risk-based fee structures.

Maddy summaryHR 24, the Federal Reserve Transparency Act of 2025, mandates a comprehensive audit of the Federal Reserve Board and Federal Reserve banks by the Government Accountability Office (GAO) within 12 months of enactment. The bill requires the GAO to submit a detailed report to Congress within 90 days of completing the audit, including findings, conclusions, and recommendations for legislative or administrative action. This audit replaces current limitations on reviewing Federal Reserve operations, particularly regarding entities like special purpose vehicles not previously subject to standard audits. The bill directly affects the Federal Reserve System by increasing congressional oversight of its financial activities and reporting mechanisms.

Stopping Border Surges Act This bill modifies immigration law provisions relating to unaccompanied alien minors and to asylum seekers. The bill requires the Department of Homeland Security (DHS) to repatriate certain unaccompanied, inadmissible alien children, generally those not at risk of being trafficking victims nor having a fear of persecution. Currently, only inadmissible unaccompanied aliens from neighboring countries are subject to repatriation, and DHS has discretion whether to repatriate. When the Department of Health and Human Services releases an unaccompanied child to an individual, it shall provide DHS with certain information about that individual, including Social Security number and immigration status. The bill requires a stricter standard to find a credible fear of persecution and imposes additional rules on credible fear interviews. If an alien is granted asylum because of fear of persecution in a country, the alien shall be deemed to have renounced asylum status by returning to that country, if there has been no change in the country's conditions. The bill also (1) expands the definition of what constitutes a frivolous asylum application, (2) imposes additional limitations on eligibility for asylum, (3) shortens the deadline for applying for asylum, and (4) extends the time period an alien seeking asylum must wait before receiving employment authorization. Any individual who knowingly and willfully makes materially false statements or uses fraudulent documents in asylum-related proceedings shall be fined or imprisoned up to 10 years, or both.

Maddy summaryHR 162, the First Amendment Accountability Act, creates a legal right for individuals to sue federal employees who violate their First Amendment rights (such as free speech or assembly) while acting under government authority. It directly affects citizens whose rights are infringed and federal employees (excluding the President/Vice President) who may face lawsuits. The bill allows victims to seek redress through court action, with courts having discretion to award attorney fees to the winning party. It explicitly excludes lawsuits against the federal government or employer for conduct within the scope of employment.

Maddy summaryHR 191, titled "Inflation Reduction Act of 2025," is a procedural bill that repeals the Inflation Reduction Act of 2022 (Public Law 117-169) and rescinds its unobligated funds. It directly affects the implementation of the 2022 law by nullifying its provisions and redirecting any remaining unspent budget authority. The bill contains no new policy mechanisms or direct impacts on citizens or programs; its sole action is to undo the previous legislation. This is a straightforward repeal measure with no new funding or regulatory changes. The title is misleading, as the bill does not create a new inflation reduction policy but instead reverses the prior law.

Maddy summaryHR 45 (FIND Act) requires federal government contractors to certify they do not discriminate against firearm businesses (including manufacturers, dealers, and trade associations) in their policies or practices. The bill mandates that contractors and subcontractors (for contracts over 10% of the prime contract value) certify they have no discriminatory policies and will not adopt them during the contract term. Violations could lead to contract termination and potential debarment. This applies to all federal procurement contracts awarded after the bill's enactment, excluding sole-source contracts. The law aims to ensure firearm businesses are treated equally in government contracting without restricting legitimate business criteria like creditworthiness or legal compliance.

Maddy summaryThis bill requires Congress to approve major federal regulations before they take effect. It would mandate that agencies submit detailed reports including cost-benefit analyses, economic impact assessments, and other information to Congress before implementing significant regulations. Major rules - defined as those with at least $100 million annual economic impact or significant effects on costs, competition, or employment - would need a joint resolution of approval from Congress within 70 session days. Nonmajor rules would follow a less stringent disapproval process. The bill aims to increase legislative oversight of the regulatory process, requiring Congress to formally review and approve rules that significantly impact the economy or public regulations.

Maddy summaryThis bill (HR 6244) designates the U.S. Postal Service facility at 1535 East Los Ebanos Boulevard in Brownsville, Texas, as the "1st Lieutenant Andres Zermeno Post Office Building." It updates all federal references to the building to reflect this new name. The bill has no policy provisions or funding changes - it solely honors 1st Lieutenant Andres Zermeno through a commemorative name designation. The building will now be officially referred to by this name in all government documents and records.

Maddy summaryThis bill names the Department of Veterans Affairs community-based outpatient clinic in Plano, Texas, as the "U.S. Congressman Sam Johnson Memorial VA Clinic." It changes the facility's official designation in all government documents, maps, and references, honoring the late Congressman Sam Johnson. The bill does not alter the clinic's services, funding, or operations - only its name. This is a ceremonial designation with no policy or programmatic impact.

Maddy summaryThe ARTICLE ONE Act would significantly increase congressional oversight of national emergencies by requiring the President to specify which laws they plan to use during an emergency and giving Congress 30 days to approve the declaration before emergency powers can be exercised. The bill would mandate detailed reports from the President about the emergency's circumstances, estimated duration, and planned actions, with additional reports every six months during the emergency. If Congress doesn't approve an emergency declaration within 30 days, the President cannot extend it or use the emergency powers for the same situation. This would limit national emergencies to 30 days unless renewed through congressional approval, fundamentally changing how presidential emergency powers operate.