Rep. Tracey Mann

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 3634, the Interactive Federal Review Act, requires the U.S. Department of Transportation to encourage highway projects receiving federal grants (like INFRA, RAISE, or Mega program funds) to use digital platforms and 3D models for environmental reviews under the National Environmental Policy Act (NEPA). It mandates the DOT to publish guidance within 90 days, select at least 10 projects to test these tools, and prioritize grant applications that plan to use them for public engagement and environmental analysis. The bill also requires reports to Congress within 180 days detailing efficiency metrics and examples of digital workflows, plus public examples of digital environmental documents within a year. This aims to speed up reviews and improve public understanding of project impacts, directly affecting federally funded highway projects.

Maddy summaryHRES 447 is a non-binding House resolution condemning antisemitism and honoring Yaron Lischinsky and Sarah Milgrim, two Israeli Embassy employees killed during a peace-focused panel discussion in 2023. The resolution specifically condemns all forms of antisemitism - including violence, vandalism, and online harassment - and remembers the victims, who were killed by a far-left activist affiliated with the Party for Socialism and Liberation. It calls for enforcing existing hate crime laws and protecting religious freedom, without creating new legislation. This resolution symbolically supports Jewish communities and victims of antisemitic violence but does not alter legal requirements.

Maddy summaryHR 3568, the AG RESEARCH Act, provides $500 million annually from 2025-2029 and $1 billion yearly from 2026-2030 to fund repairs and modernization at agricultural research facilities. It creates a competitive grant program through the National Institute of Food and Agriculture to cover construction, renovation, or equipment costs for schools of agriculture facing significant deferred maintenance (noted as $11.5 billion in 2021). Grants must ensure equitable distribution across geographic regions, diverse institutions, and facility sizes, with no state receiving more than 20% of funds. The bill directly affects agricultural research facilities nationwide by addressing critical infrastructure needs to maintain U.S. competitiveness in agricultural research.

Maddy summaryThe TEENS Act amends child labor rules to allow teenagers working during school sessions to work up to 24 hours per week, with specific time restrictions. It directly affects teen workers in part-time jobs, setting a maximum weekly hour limit and requiring work to start no earlier than 7:00 a.m. and end no later than 9:00 p.m. in their local time zone. These provisions prevent employers from being deemed in violation of "oppressive child labor" rules under the Fair Labor Standards Act when following these limits. The bill creates a clear, time-bound framework for teen work hours during school terms.

Maddy summaryHR 3512, the Tackling Predatory Litigation Funding Act, imposes a new annual tax on funds received by third-party investors who finance lawsuits through litigation financing agreements. It directly affects investors (including foreign entities) who provide funding to plaintiffs or law firms in exchange for a share of settlement or judgment proceeds, excluding small agreements under $10,000 or standard loans. The tax equals the top individual income tax rate plus 3.8 percentage points, with 50% withheld from settlement payments by parties involved in the lawsuit. The law also clarifies that such funds cannot offset losses and excludes certain typical legal fee reimbursements from taxation. The provisions take effect for taxable years beginning after December 31, 2025.

Maddy summaryHR 3526, the Uplifting First-Time Homebuyers Act of 2025, increases the maximum amount first-time homebuyers can withdraw penalty-free from retirement accounts. It amends the Internal Revenue Code to raise the limit from $10,000 to $50,000 for qualified first-time homebuyer distributions. This change directly affects individuals using retirement savings to purchase their first home, allowing them to access significantly more funds without incurring the usual 10% early withdrawal penalty. The provision applies to taxable years beginning after December 31, 2024.

Maddy summaryHR 3503, the Kidney Donation Anti-Discrimination Act, prohibits life insurance companies from discriminating against living kidney donors in policy terms (such as price, coverage, or cancellation) solely based on their donation status. It requires insurers to show evidence of actual health risks unrelated to the donation before charging higher premiums or denying coverage. Individuals harmed by such discrimination can sue insurers in federal court for damages and legal fees. The law also ensures states can offer stronger protections to living kidney donors than this federal standard provides.

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 364 is a non-binding resolution urging local communities to support nonprofits that provide resources to Gold Shield Families. These families include relatives of fallen first responders - such as police officers, firefighters, EMTs, and emergency dispatchers - who died while serving in the line of duty. The resolution does not create new laws but encourages community engagement with existing support organizations. It aims to assist these families during their time of hardship and grief by promoting the use of available resources.