Rep. Steven Horsford

Maddy summaryHR 3769, the Dependent Income Exclusion Act of 2025, modifies tax rules to help families qualify for health insurance premium tax credits. It excludes certain income earned by dependents under age 18, or dependents aged 18-24 enrolled in approved education or job-training programs (like those under the Workforce Innovation Act), from being counted toward household income for credit calculations. The exclusion is limited to 15% of a family’s total income, and in states that haven’t expanded Medicaid, it cannot reduce household income below 100% of the federal poverty line. The bill amends the Internal Revenue Code and Affordable Care Act to implement these changes, affecting families claiming health insurance tax credits.

Maddy summaryThis bill directs the National Oceanic and Atmospheric Administration (NOAA) to conduct a study on the financial costs of extreme heat events. The study will quantify economic impacts including health costs (emergency care, hospitalizations), property damage, insurance claims, labor productivity losses, infrastructure disruptions, energy expenses, and agricultural losses. NOAA must coordinate with multiple federal agencies (like Health, Agriculture, and Energy Departments) and publish findings on HEAT.gov within 4 years. The bill does not create new regulations or directly affect citizens; it solely authorizes a data-gathering study to inform future policy.

Maddy summaryThis bill repeals key provisions of the Protection of Lawful Commerce in Arms Act (PLCAA), which previously shielded gun manufacturers and dealers from civil lawsuits. It allows gun trace data from the federal Firearms Trace System to be used as evidence in civil court cases involving gun violence. Victims of gun violence (or their families) who sue gun manufacturers, dealers, or distributors in state or federal court can now access and rely on this trace information. The bill directly changes the legal landscape by removing a major barrier to holding gun industry entities accountable in civil cases. It does not alter criminal proceedings or affect gun ownership rights.

Maddy summaryThis bill establishes a federal interagency committee within NOAA to coordinate heat-health response across 15+ departments (including HHS, EPA, and FEMA) and requires a 5-year strategic plan to improve data sharing, research, and public communication about extreme heat. It creates the National Integrated Heat Health Information System (NIHHIS) to centralize heat-related data and forecasts, making it openly available for public use. The law mandates $5 million annually for 2025-2029 to fund these efforts, directly affecting federal agencies, state/local governments, Tribal nations, and communities facing heat risks. Key provisions include standardizing heat definitions, requiring agency coordination, and building public health preparedness tools to reduce heat-related illness and death.

Maddy summaryThe Excess Urban Heat Mitigation Act of 2025 creates a federal grant program to fund heat-reduction projects in communities most affected by urban heat islands, primarily low-income neighborhoods (defined as census tracts with ≥20% poverty rate) and areas with higher heat exposure for communities of color. It authorizes $30 million annually for grants to states, cities, tribes, or nonprofits for projects like planting native trees, installing cool roofs/pavements, building shaded transit stops, and creating community cooling centers. Grants require community engagement plans to ensure equitable participation and prioritize projects in underserved areas (75% of funds must target "covered census tracts"). The program mandates annual reporting to Congress and includes oversight to evaluate project success in reducing heat impacts.

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 summaryThis bill reorganizes collective bargaining rules for Veterans Health Administration (VHA) employees by removing existing subsections (b), (c), and (d) from Section 7422 of Title 38 and redesignating the current subsection (e) as (b). It directly affects VA health care employees by altering the structure of their collective bargaining framework. The bill explicitly states it does not change the Secretary of Veterans Affairs' existing authorities over incentive pay or expedited hiring under Section 706 of Title 38. The change is purely procedural, focusing on the internal organization of bargaining rules without introducing new employee benefits or obligations.

Maddy summaryThis bill amends IRS rules to clarify that contractors primarily providing services to educational organizations (like schools) are treated similarly to employees for health coverage purposes. Specifically, it changes Section 4980H of the tax code so that these contractors count toward full-time employee thresholds when determining if an educational organization must offer health insurance. This directly affects schools and their operations/logistics contractors, requiring schools to include these contractors when assessing health coverage obligations under employer mandates. The change applies to months beginning after the bill's enactment date.

Maddy summaryThis bill prohibits the U.S. military from discriminating against service members or applicants based on gender identity. It bans policies that would deny service, involuntarily separate members, deny medically necessary healthcare, or require service in a gender different from one's identity. The law defines "gender identity" broadly to include a person's internal sense of gender, appearance, and mannerisms, regardless of sex assigned at birth. It directly affects transgender and gender-diverse individuals currently serving or seeking to serve in the Armed Forces.

This bill prohibits the President from selling, transferring, or exporting certain defense articles or services to Israel, except in specified circumstances.  Defense articles covered by the prohibition include BLU-109 bunker busting bombs, Joint Direct Attack Munition (JDAM) assemblies, and 155mm artillery ammunition. Defense services directly related to such articles are also covered.  The President may sell, transfer, or export such defense articles or services to Israel if (1) a law is enacted specifying the purposes for which such articles or services may be used, and (2) Israel provides written assurances that the defense articles or services will be used for those specific statutory purposes and in a manner consistent with certain other laws, including international human rights laws.