Rep. Barry Loudermilk

Maddy summaryThis bill makes technical corrections to the Camp Lejeune Justice Act of 2022 to streamline claims for individuals harmed by water contamination at Camp Lejeune. It clarifies the evidence required (30+ days at the base plus a link between contaminants and health harm), specifies that cases must be handled in North Carolina courts (with limited transfer options), and sets attorney fee caps (20% before suit, 25% after). These changes directly affect veterans and civilians who lived at Camp Lejeune and filed claims under the 2022 law. The bill does not create new eligibility but aims to improve the legal process for existing cases.

Maddy summaryThe FIRM Act (HR 2702) prohibits federal banking agencies from considering "reputational risk" in supervising banks and credit unions. It requires agencies to remove all references to reputational risk - defined as concerns about negative publicity affecting an institution's reputation - from regulations, examinations, and enforcement actions. The bill directly affects depository institutions (banks and credit unions) and federal regulators like the FDIC and CFPB, banning them from using reputational risk as a basis for supervision or enforcement. This policy change aims to limit regulatory actions based on subjective public opinion rather than financial safety and soundness.

Maddy summaryThe STOP CSAM Act of 2025 would strengthen protections for child victims and witnesses in federal court by creating a new definition of "covered person" to include minors under 18 who are victims or witnesses of abuse, exploitation, or kidnapping. The bill requires internet service providers to report apparent child sexual exploitation to the CyberTipline within 60 days, with civil penalties of $50,000-$250,000 per violation and criminal fines up to $1 million for non-compliance. It also creates new civil remedies allowing victims to sue platforms that host or promote child sexual exploitation, with minimum $300,000 in damages. Additionally, large platforms would be required to submit annual reports to the Attorney General and FTC detailing their safety measures and child exploitation on their platforms.

Maddy summaryThis bill prohibits male students from participating in athletic programs at the U.S. Military Academies (West Point, Annapolis, and Air Force Academy) designated exclusively for women or girls. It allows males to train with such teams only if no female athlete loses a roster spot, competition opportunity, scholarship, or other benefit. The bill defines "sex" as biological sex at birth and clarifies that "athletic programs" include all team-based activities requiring participation. It directly affects the women's sports teams at these three service academies and their eligibility rules.

Maddy summaryHRES 475 (June 4, 2025) is a non-binding resolution that formally recognizes "Family Month" and ends the House of Representatives' recognition of Pride Month. It directs the House to "recognize the benefit of marriage and family" while stating it "no longer recognizes Pride Month," citing the resolution's view that traditional nuclear families are essential to society. The resolution does not create new laws or policies but changes the House's official acknowledgment of months. It specifically targets the House's ceremonial recognition, not federal law or programs affecting citizens. This is a symbolic procedural action with no direct impact on legislation or constituents.

Maddy summaryHR 3380, the TAILOR Act of 2025, requires federal banking regulators to tailor rules based on each institution's risk level and business model. It directly affects banks, particularly smaller community banks eligible for the Community Bank Leverage Ratio, by limiting unnecessary regulatory burdens like excessive reporting costs. Key provisions mandate regulators to adjust rule requirements to fit institutions' actual risks, reduce paperwork (including simplified annual reports for eligible banks), and document these adjustments in public notices. Regulators must also report annually to Congress on how they implemented the tailoring requirements and submit a report on modernizing bank supervision within 18 months.

Maddy summaryHR 3694, the VALID Act of 2025, requires lenders to include specific information about VA loans in mortgage disclosures. It amends the National Housing Act to mandate that disclosures state the loan-to-value ratio and clarify that VA loans are available under Chapter 37 of Title 38 (veterans' benefits law), assuming prevailing interest rates. The bill also requires the Federal Housing Finance Agency to add a military service question to the Uniform Residential Loan Application form, placing it above the signature line within six months of enactment. This directly affects veterans and active-duty service members applying for VA-guaranteed mortgages, as well as the lenders processing those applications.

Maddy summaryHR 3437, the Insurance Data Protection Act, prevents duplicate data collection from insurance companies by requiring federal financial regulators to coordinate with state insurance regulators before gathering data already available through other channels. It reinforces confidentiality by ensuring that sharing nonpublic data with federal regulators does not waive privacy protections under federal or state law, and maintains existing confidentiality agreements. The bill also establishes that data shared with regulators can only be provided to state regulators through new agreements that comply with privacy laws. This directly affects insurance companies (as "covered entities"), federal financial regulators, and state insurance regulators. The key change is creating a formal process to avoid redundant data requests while strengthening data privacy for the insurance industry.

Maddy summaryThis bill changes the governance structure of the Consumer Financial Protection Bureau (CFPB) from a single Director to a 5-member commission. The commission would require at least 2 members with private sector financial experience and at least 1 member with State bank supervision experience, all appointed by the President with Senate confirmation. The bill updates references to "Director" throughout various laws to "Commission" or "Chair" to reflect this new structure. These changes aim to create a more balanced leadership model for the Bureau while maintaining its regulatory authority over consumer financial products and services.

Maddy summaryHRES 413 is a non-binding House resolution condemning Hamas for its October 7, 2023, attacks on Israel, which killed over 1,200 people and took more than 250 hostages. It specifically demands that Hamas immediately release the 58 remaining hostages (including four U.S. citizens: Edan Alexander, Itay Chen, Omer Neutra, Judi Weinstein, and Gad Haggai) and return them to safety. The resolution also recognizes that hostage-taking violates international law and calls on the White House to continue efforts to secure all hostages' release. As a symbolic resolution, it does not create new laws or policies but formally expresses the House's stance.