Rep. Ritchie Torres

Maddy summaryThe Women's Health Protection Act of 2025 would protect access to abortion services across the United States by prohibiting states from imposing restrictions that are more burdensome than those on comparable medical procedures. The bill directly affects people seeking abortion care and health care providers by banning restrictions such as mandatory in-person visits, requirements for specific tests, limitations on telemedicine, and rules based on a patient's reason for seeking abortion. It prohibits state laws that single out abortion for unnecessary restrictions while allowing post-viability abortions when necessary to protect a patient's life or health. The bill preempts conflicting state laws and provides enforcement mechanisms through private lawsuits and actions by the Attorney General.

Maddy summaryThis bill prohibits state officials from blocking abortion access for patients traveling from other states, including restricting providers who offer legal abortions in their state to out-of-state patients. It protects people traveling across state lines for legal abortions, those assisting such travel, and the interstate transport of FDA-approved abortion medication. Violations can be challenged by the Justice Department or affected individuals through civil lawsuits seeking injunctions and damages. The law applies broadly across all states, territories, and tribal nations, defining "abortion service" to include both medical procedures and related care.

Maddy summaryHR 4104 would expand access to Medicaid, CHIP, and Affordable Care Act (ACA) health coverage for immigrants lawfully present in the U.S., including those with deferred action or pending immigration applications. It removes state-level barriers to Medicaid/CHIP eligibility for lawfully present individuals, treats Federally authorized presence as "lawfully present" for ACA subsidies, and allows states to choose to cover undocumented individuals through Medicaid or CHIP. The bill also extends these changes to Medicare Part A and Part B, ensuring lawfully present immigrants qualify for coverage and subsidies under existing programs. These provisions apply to all federally funded health programs and take effect in 2026 for most ACA-related changes.

Maddy summaryThis bill creates federal funding for community-based violence intervention programs in high-violence areas, targeting communities with 35+ homicides annually or 20+ homicides with rates double the national average. It establishes grants for community organizations to implement trauma-informed violence interruption strategies, hospital-based programs for injured patients, and job training for "opportunity youth" (16-25 year olds not in school or work). The legislation authorizes $300 million in 2026, increasing to $700 million annually through 2033, with requirements for evidence-based approaches that reduce violence without contributing to mass incarceration. It creates a National Community Violence Response Center to coordinate data collection, research, and best practices for these programs. The focus is on prevention through economic opportunity, trauma care, and community-driven interventions rather than traditional law enforcement approaches.

Maddy summaryHR 3538, the Wildlife Confiscations Network Act of 2025, establishes a national network to handle the care of live wildlife seized at U.S. borders due to illegal trafficking. It creates a coordinated system where Federal wildlife law enforcement (like the U.S. Fish and Wildlife Service) can partner with qualified facilities - including zoos, sanctuaries, and rehabilitation centers - to provide immediate care, maintain evidence integrity, and manage long-term placement for confiscated animals. The bill expands a successful Southern California pilot that already placed over 4,100 animals by creating a centralized database and single point of contact for law enforcement. It authorizes $5 million annually (2026-2030) to support this network, directly affecting border agencies and participating care facilities while addressing capacity gaps at ports of entry.

Maddy summaryHR 2225, the Access to Small Business Investor Capital Act, modifies how investment companies report fees related to business development companies (BDCs). It allows registered investment companies to exclude fees paid indirectly to BDCs (which primarily invest in small businesses) from their "Acquired Fund Fees and Expenses" calculation on SEC registration statements. This change simplifies reporting for investment companies holding BDC shares by removing those specific fees from expense calculations. The bill directly affects investment companies filing SEC forms (N-1A, N-2, N-3) that hold BDC investments, potentially reducing their reported expense ratios. It does not create new funding for small businesses but aims to streamline investment in BDCs by easing reporting burdens.

Maddy summaryThe Caring for Survivors Act of 2025 increases monthly dependency and indemnity compensation for surviving spouses of veterans. It changes the calculation method from a fixed $1,154 to 55% of a specific veteran compensation rate, effective six months after enactment. The bill also reduces the required continuous disability rating period for survivors from 10 years to 5 years, and provides a proportional payment for cases where the rating period is shorter than 10 years. Surviving spouses of veterans who died before January 1, 1993, receive the greater of their current benefit or the new calculation. This directly affects surviving spouses eligible for benefits under Title 38, U.S. Code, particularly those with veterans who died prior to 1993.

Maddy summaryHR 4083, the Marshall “Major” Taylor Congressional Gold Medal Act, authorizes the posthumous presentation of a Congressional Gold Medal to honor cyclist Marshall Walter "Major" Taylor (1878-1932), recognizing his pioneering achievements as a Black athlete who broke racial barriers in professional cycling during the late 19th and early 20th centuries. The bill directs the Secretary of the Treasury to strike the medal with his name and image, to be presented to Taylor’s great-granddaughter, Karen Donovan. It also permits the sale of bronze duplicates to cover costs, classifying all medals as national commemorative items under U.S. law. This is a ceremonial bill with no policy changes, solely focused on commemorating Taylor’s legacy.

Maddy summaryThe Downpayment Toward Equity Act of 2025 creates a federal program to provide financial assistance to first-generation homebuyers for down payments, closing costs, and other home purchase expenses. It authorizes $100 billion in funding to be distributed through states and eligible entities, with grants that can cover up to $20,000 or 10% of a home's purchase price (whichever is greater). To qualify, homebuyers must meet income limits (up to 120-140% of median area income), be first-time homebuyers with no prior home ownership by their parents, and complete homebuyer counseling. The program requires recipients to occupy homes as primary residences for at least five years, with repayment required if they sell sooner, and states must report on program demographics to ensure equitable outcomes.

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.