Rep. Morgan McGarvey

Maddy summaryThis bill requires private health insurance plans to cover insulin for people under age 26 without deductibles, capping out-of-pocket costs at $35 per 30-day supply or 25% of the negotiated price (whichever is lower). It mandates coverage of multiple insulin types and formulations (like rapid-acting, long-acting, and premixed) to ensure access to various treatment options. The rule applies to employer-sponsored plans, ACA marketplace plans, and similar coverage starting in 2026. It directly affects young adults (up to age 26) managing diabetes who rely on private insurance for insulin.

Federal Firearm Licensee Act This bill establishes new security requirements and expands recordkeeping and reporting requirements for federally licensed dealers, importers, and manufacturers of firearms (i.e., federal firearms licensees, or FFLs). The bill also broadens the authority of the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF) to administer federal firearms laws and enforce violations. Specifically, bill requires FFLs to implement and comply with a plan to secure their business premises, conduct quarterly physical checks of their business inventories, maintain video surveillance of the area where firearms are sold or transferred, and initiate firearms-related background checks for employees. Additionally, the bill requires FFLs to report to the ATF any inventory firearm that is lost, stolen, or unaccounted for and to notify the ATF about default-proceed transactions (i.e., allowable firearm transfers to an unlicensed person prior to the completion of a background check when the submitted background check remains incomplete after three business days). Finally, the bill removes limits on the ATF's authority to conduct activities related to the administration of federal firearms laws. It enhances the ATF's inspection authority, including by removing the limit on the number of annual compliance inspections (currently, one), requiring inspections of high-risk FFLs, and authorizing an additional 650 investigators. Finally, the bill directs the ATF to deny an application for a federal firearms license if it would endanger public safety or if the applicant is unlikely to comply with the law.

Maddy summaryThe IDEA Full Funding Act (HR 2598) mandates specific annual federal funding levels for the Individuals with Disabilities Education Act (IDEA), directly affecting schools and students with disabilities nationwide. It requires the federal government to appropriate either a fixed dollar amount or a specified percentage (increasing annually from 4.5% to 40%) of a calculated total - based on the number of eligible students and average per-pupil costs - starting in fiscal year 2026 through 2035. The bill sets clear, escalating funding targets, with the higher of two calculated amounts (dollar figure or percentage) becoming available for obligation each fiscal year. This establishes a binding financial commitment to address long-standing underfunding of special education services under IDEA.

Maddy summaryHR 2586, the Reentry Act of 2025, amends Medicaid rules to allow incarcerated individuals to receive Medicaid coverage during the 30 days immediately before their release from prison or jail. This directly affects people leaving correctional facilities, ensuring they can access health care as they transition back into communities. The bill requires a report within 18 months analyzing current health care standards in prisons, the number of people who would gain coverage, and current discharge practices to improve Medicaid enrollment for newly released individuals. The report will also assess how to better connect people with community health services and addiction treatment after release.

Maddy summaryThis symbolic resolution (HCONRES 23) expresses Congress's support for International Transgender Day of Visibility, observed annually on March 31. It encourages Americans to recognize and celebrate transgender community achievements while acknowledging ongoing challenges like discrimination in employment, healthcare, and public accommodations. The resolution does not create new laws or policies but formally endorses the day's purpose through non-binding statements of support and recognition. It directly affects the broader public by promoting awareness and respect for transgender individuals' rights and contributions.

Maddy summaryHR 2077, the Helping Heroes Act, establishes the Veteran Family Resource Program within the Department of Veterans Affairs. The program requires the VA to appoint family coordinators at each Veterans Health Administration network within five years to help veterans and their families access VA benefits and community resources addressing social needs like housing, food, and mental health. Coordinators must assess family needs, build relationships, and connect veterans to services, including wellness programs for children. The VA must also conduct a survey of disabled veterans' families every five years to identify unmet needs and report program outcomes to Congress within two years of implementation. This bill directly affects veterans (especially those with disabilities) and their families by connecting them to support services through VA and community partnerships.

Save America's Forgotten Equines Act of 2025 or the SAFE Act of 2025 This bill permanently prohibits the slaughter of equines (e.g., horses and mules) for human consumption. (Current law prohibits the slaughter of dogs and cats for human consumption. This bill extends the prohibition to equines.) Specifically, this bill prohibits a person from knowingly (1) slaughtering an equine for human consumption; or (2) shipping, transporting, possessing, purchasing, selling, or donating an equine to be slaughtered for human consumption or equine parts for human consumption. The bill subjects a violator to a fine. The bill applies to conduct in or affecting interstate or foreign commerce or within the special maritime and territorial jurisdiction of the United States. However, it does not apply to an activity carried out by an Indian for a religious ceremony. As background, in recent years, the appropriations acts have prohibited the Department of Agriculture (USDA) from using federal funds to inspect horses before they are slaughtered for human consumption. Therefore, there are currently no USDA-inspected horse slaughter facilities in the United States.

Maddy summaryHR 2402, the No Hungry Kids in Schools Act, creates a new option for states to implement a statewide program under the National School Lunch Act starting in 2025. States would cover costs from non-federal funds to allow all schools in the state to receive full federal reimbursement for meals served, eliminating income-based eligibility thresholds. Key provisions include setting the eligibility threshold to zero and calculating student eligibility statewide instead of by individual school district. This directly affects state education agencies (which must fund the program) and schools (which gain simplified access to full meal reimbursement), benefiting students in qualifying schools.

Maddy summary# Summary of the American Housing and Economic Mobility Act of 2025 This comprehensive legislation addresses housing affordability, civil rights, financial inclusion, and tax policy through multiple titles: **Fair Housing Expansion (Title I):** - Expands protections under the Fair Housing Act to include gender identity, sexual orientation, marital status, source of income, and veteran status - Requires housing providers receiving federal assistance to comply with enhanced accessibility standards (twice as many units must be accessible) **Community Reinvestment Act Strengthening (Title II):** - Requires banks to form diverse Community Advisory Committees in each metropolitan area - Mandates regular biannual consultations between bank executives and community advisory groups - Requires detailed data collection on lending practices by demographic factors (including race, ethnicity, and disability status) - Establishes new requirements for banks to analyze and report on disparities in access to credit **Veterans' Housing Access (Title III):** - Expands eligibility for VA home loans to include direct descendants of veterans who served between June 22, 1944, and April 11, 1968, who are first-time, first-generation homebuyers **Public Housing Improvements (Title IV):** - Requires public housing agencies to analyze where participants live and develop strategies to increase access to higher-opportunity neighborhoods - Mandates regional collaboration among housing agencies to reduce disparities in access - Requires HUD to develop mapping tools to help agencies analyze neighborhood access **Estate Tax Reforms (Title V):** - Increases estate tax rates for large estates (over $13 million) - Reduces the basic exclusion amount from $13 million to $3.5 million - Imposes a 10% surtax on estates exceeding $1 billion - Increases the exclusion limit for farm real property from $750,000 to $3 million - Increases the exclusion for land subject to conservation easements from $500,000 to $2 million - Creates a new 5-8% surcharge on high-income estates and trusts **Additional Provisions:** - Strengthens credit union service to underserved areas - Raises public welfare caps for banks to increase investments in low-income communities - Requires new data collection and reporting requirements for financial institutions This legislation represents a significant expansion of housing rights, financial inclusion, and tax policy reforms aimed at reducing disparities in access to housing and financial services while reforming the estate tax system.

Maddy summaryThis bill would require federal firearms licensees to prohibit sales of specific high-capacity rifles and shotguns to people under 21. It targets semiautomatic centerfire rifles and shotguns capable of holding more than 5 rounds in their magazines, raising the age limit from 18 to 21 for these weapons. Exceptions apply for active military members and certain government employees authorized to carry firearms. The law directly affects gun retailers and individuals under 21 seeking to purchase these specific firearms. It modifies existing federal gun sale rules without changing age requirements for other firearms.