Rep. Janice D. Schakowsky

Maddy summaryThe SAFE Lending Act of 2025 strengthens consumer protections in electronic and small-dollar lending. It prohibits third parties from creating checks drawn from a consumer’s account without explicit written authorization (e.g., stopping unauthorized "remote" checks), requires small-dollar lenders (transactions under $5,000) to register with the Consumer Financial Protection Bureau, and bans fees for overdrafts on prepaid accounts. The bill also restricts lead generation for small-dollar loans by requiring lenders to directly provide credit, not just collect consumer data. A separate provision mandates a study on small-dollar lending impacts for Native American tribal communities within 180 days of enactment.

Maddy summaryThe Keep Americans Safe Act (HR 1674) restricts the sale, transfer, and possession of large capacity ammunition feeding devices (LCFDs) - defined as magazines or similar devices holding more than 15 rounds of ammunition - for most individuals. Exceptions allow law enforcement officers (including campus law enforcement), retired officers, and nuclear security personnel to possess LCFDs under specific conditions. The bill requires new LCFDs to have serial numbers and manufacturing dates, permits federal seizure of violative devices, and authorizes federal grant programs to fund buy-back initiatives for LCFDs. It directly affects gun owners and manufacturers while preserving access for covered law enforcement and security personnel.

Maddy summaryThe BEST Act establishes a federal grant program to help states create or improve Seal of Biliteracy programs for K-12 students. It provides $10 million annually (2025-2029) for states to develop programs recognizing students who demonstrate speaking and writing proficiency in both English and a second language, including Native American languages and American Sign Language. States must ensure equitable access for English learners, students with disabilities, and heritage language learners, and provide free testing for low-income students. The program requires states to award permanent seals or documentation on diplomas/transcripts for qualifying students.

Maddy summaryHR 1657, the Humane Cosmetics Act of 2025, prohibits cosmetic companies from conducting or contracting animal testing for products sold in the U.S. beginning one year after the law takes effect. It also bans the sale or transport of cosmetics developed using such testing after that date, with limited exemptions (e.g., for foreign regulatory requirements or when no non-animal safety alternatives exist). The bill directly affects cosmetic manufacturers, retailers, and distributors by requiring them to shift to non-animal testing methods. The Food and Drug Administration (FDA) will enforce the law, including reviewing records and imposing civil penalties for violations.

Maddy summaryThe PAST Act of 2025 amends the Horse Protection Act to ban harmful practices known as "soring," which deliberately cause pain to horses to exaggerate their gait for shows. It specifically prohibits devices like action devices (e.g., boots causing friction) and weighted shoes on Tennessee Walking Horses, Racking Horses, and Spotted Saddle Horses at events. The bill increases penalties, including escalating disqualifications for repeat offenses (180 days → 1 year → 3 years) and raises fines for violations to $5,000 per offense. It also requires stricter licensing for inspectors and mandates public posting of violation records to help event organizers enforce rules.

Maddy summaryThe American Dream and Promise Act of 2025 would create pathways to permanent residency for certain immigrant youth who entered the U.S. as children (Dream Act component) and for individuals from countries with Temporary Protected Status or Deferred Enforced Departure (American Promise Act component). To qualify, applicants must meet continuous physical presence requirements (since January 1, 2021 for Dream Act applicants, and for 3+ years for American Promise applicants), pass background checks, and satisfy educational or employment criteria. Conditional permanent resident status would be granted initially, with the option to convert to full permanent residency after meeting additional requirements like earning a degree, serving in the military for two years, or demonstrating three years of earned income. The bill includes fee exemptions for low-income applicants, establishes a grant program to assist applicants with legal help, and creates specific procedures for background checks and appeals.

Maddy summaryThis bill awards a Congressional Gold Medal to the 761st Tank Battalion (known as the "Black Panthers"), the first predominantly Black armored unit in World War II's European Theater. It recognizes their combat service from 1944-1946, including key roles in the Battle of the Bulge and breaking the Siegfried Line, despite facing racial prejudice during and after the war. The medal will be displayed at the National Museum of African American History and Culture, with bronze duplicates available for sale to cover costs. The bill commemorates the battalion's 130,000 enemy casualties inflicted, 50% casualty rate, and their 1978 Presidential Unit Citation. It does not create new laws or affect current policies.

Maddy summaryHR 1637, the Protect Veteran Jobs Act, allows veterans who were involuntarily dismissed without cause from federal civil service positions between January 20, 2025, and the bill’s enactment date to seek reinstatement to their former role or a qualified position. It directly affects eligible veterans dismissed during this period and requires federal agencies to report quarterly on veteran removals, including the number and reasons for each dismissal. Agencies must submit these reports to specified congressional committees until January 20, 2029, when the reporting requirement ends. The bill aims to restore employment opportunities for affected veterans while increasing transparency around federal hiring and dismissal practices.

Maddy summaryHR 1591, the Security Clearance Review Act, requires the FBI Director to approve security clearances and access to classified information for political appointees and special government employees working in the Executive Office of the President. It prohibits these individuals from holding such clearances or accessing classified information without the FBI Director’s specific authorization. If the FBI denies or revokes clearance, the Director must immediately notify the President and Congress; if the President overrides this decision, they must provide written justification to Congress within 30 days. The bill directly affects high-level political appointees and special government employees in the White House and its immediate offices, altering the clearance process for this specific group.

Maddy summaryThe RAISE Act of 2025 creates a new tax credit for teachers and early childhood educators, with a base of $1,000 plus additional amounts based on school poverty rates. Teachers working in schools where more than 39% of students live in poverty can receive up to $14,000 more in tax credits, calculated based on how much a school's poverty rate exceeds 39%. The bill also increases the deduction for teachers' classroom expenses from $250 to $500 and requires schools to maintain teacher pay levels to receive certain federal funds. This directly affects public school teachers, early childhood educators, and schools serving communities with high poverty rates.