Rep. Nydia M. Velázquez

Maddy summaryThe Small Business Financing Disclosure Act of 2023 requires lenders to clearly disclose the true cost of business loans and financing to small businesses before they agree to borrow. It mandates specific, plain-language disclosures including the annual percentage rate (APR), total finance charges, payment amounts, term length, and prepayment costs - ensuring small businesses can compare options without hidden fees. The bill also prohibits lenders from charging extra fees when refinancing a loan without providing a tangible benefit to the small business. These rules apply to business financing under $2.5 million used for business purposes (not personal), with implementation requiring new Consumer Financial Protection Bureau rules within two years and full effect three years after enactment.

Maddy summaryThe American Dream and Promise Act of 2023 would create two pathways to permanent residency for certain immigrants. The "Dream Act" portion would provide conditional permanent resident status to individuals who entered the U.S. as children, have lived continuously in the U.S. since January 1, 2021, and meet educational requirements (such as completing high school, earning a degree, or enrolling in education programs). The "American Promise Act" portion would provide permanent residency to individuals eligible for Temporary Protected Status (TPS) or Deferred Enforced Departure (DED) as of specific dates (January 1, 2017, or January 20, 2021). The bill includes provisions for background checks, fee exemptions for low-income applicants, and processes for removing conditional status after meeting specific criteria like completing higher education or earning income.

Maddy summaryHJRES 72 proposes a constitutional amendment to remove the exception in the Thirteenth Amendment that allows slavery and involuntary servitude as punishment for a crime. If ratified, this amendment would ban the use of forced labor in prisons as a criminal penalty, directly affecting how the U.S. criminal justice system handles sentencing. The resolution clarifies it does not interfere with voluntary work programs in correctional facilities, existing employment protections for incarcerated people, or community service alternatives. This change aims to eliminate a historical loophole that has disproportionately impacted Black Americans since the 1860s.

Maddy summaryHR 4122, the Henrietta Lacks Congressional Gold Medal Act, authorizes a posthumous Congressional Gold Medal to honor Henrietta Lacks for her contribution to medical science through the HeLa cell line. The bill directs the Treasury to strike the medal recognizing how her cells enabled major medical advances, including the polio vaccine and cancer treatments, without altering any laws or policies. The medal will be displayed at the Smithsonian Institution to commemorate her legacy in scientific research and bioethics. This is a purely commemorative measure with no direct effect on current legislation or affected individuals.

Maddy summaryThe College for All Act of 2023 would create a federal-state partnership to eliminate tuition and required fees for eligible students at public community colleges and 4-year institutions. It would provide federal funding to cover tuition costs for students from families earning up to $125,000 annually (or $250,000 for married couples) at public institutions, with states gradually increasing their financial contribution over time. The bill also includes provisions to support historically Black colleges and universities, minority-serving institutions, and expands Pell Grant eligibility to include Dreamers. States would be required to maintain funding levels for higher education and implement specific reforms to improve student outcomes, including transfer pathways and support services.

Maddy summaryHR 4074, the 3D Printed Gun Safety Act of 2023, prohibits distributing online digital instructions (like 3D printer files) that can automatically create firearms or firearm parts. It directly affects individuals or entities sharing such digital files over the internet. The bill adds a new federal law making it unlawful to intentionally distribute these files, aiming to prevent untraceable firearms from being made without serial numbers, which law enforcement cannot track in criminal investigations. This addresses concerns that 3D-printed guns evade detection and undermine firearm tracing systems.

Maddy summaryThe CARE Act of 2023 strengthens protections for child farmworkers by amending the Fair Labor Standards Act. It raises minimum age requirements (restricting 14-15 year olds to family farms outside school hours, and limiting 16-17 year olds to family farm work outside school hours), repeals a waiver allowing children in hand-harvest labor, and increases penalties for violations (up to $60,115 for serious injury or death). The bill requires employers to report work-related injuries or deaths of child farmworkers under 18 and mandates annual reports to Congress on child farmworker safety data. It also prohibits children under 18 from working as pesticide handlers, directly affecting an estimated 100,000+ child farmworkers in the U.S.

Maddy summaryThis bill would allow Venezuelans already living in the U.S. since before December 31, 2021, to apply for permanent residency. Eligible individuals must have lived continuously in the U.S. for at least one year (with limited absences) and cannot have certain serious criminal convictions. It waives some immigration barriers that would normally block permanent status and provides work permits while applications are processed. Family members (spouses, children, or unmarried adult children) of eligible applicants would also qualify. The bill does not change overall visa numbers or create new immigration pathways.

Maddy summaryHR 4015 updates the U.S. strategy for engagement with Caribbean nations by adding specific policy goals to the existing 2016 Act. It directs the U.S. government to reduce illicit firearm trafficking to the region, combat lottery scams targeting Americans, and support Caribbean security forces. The bill also requires enhanced cooperation on energy security (promoting renewable power), climate resilience, public health infrastructure, food security, and expanding internet access - especially for marginalized communities. The updated strategy must involve agencies like Defense, Justice, and Treasury, and will guide U.S. efforts to strengthen partnerships across these areas. This affects Caribbean nations partnering with the U.S. on security, climate, health, and economic initiatives.

Maddy summaryThis bill amends the Elementary and Secondary Education Act to expand student grant programs. It authorizes schools receiving Title IV funds to use grants for hands-on learning with hydroponic, aquaponic, and other agricultural technology systems. The key provision adds specific grant activities, including exposing students to vertical farming systems (like aeroponic towers) and soil-less plant growth methods that connect to STEM education. The bill directly affects K-12 schools participating in federal grant programs by defining eligible agricultural systems for these learning opportunities.