Rep. Suzanne Bonamici

Maddy summaryHR 1734 establishes a task force of financial regulators (including Treasury, Fed, and Consumer Financial Protection Bureau officials) to study deep fake threats to banking security. The task force must issue a report within one year detailing current protections used by banks and credit unions, standard definitions for AI terms like "deep fakes," risks of identity theft via AI fraud, and best practices for prevention. The report will also include regulatory recommendations to protect consumers from data theft and fraud. This procedural bill requires a study but does not enact new laws or directly affect consumers or institutions until recommendations are considered.

Maddy summaryThe LEAP Act creates a new $1,500 annual tax credit for employers with registered apprenticeship programs, paid per apprentice employee who exceeds a threshold based on the employer's prior three-year average of such employees (calculated at 80% of that average). The credit applies for up to two years per employee and excludes most construction industry workers unless they completed a pre-apprenticeship program and their employer sponsors an apprenticeship. It also includes a separate provision requiring federal agencies to reduce printing costs by moving documents online, publishing cost transparency data for printed materials, and maintaining essential print access for vulnerable populations. The bill primarily affects employers in qualifying apprenticeship programs, with the tax credit designed to incentivize hiring and training apprentices.

Maddy summaryThe SAFE Lending Act of 2025 strengthens consumer protections in electronic and small-dollar lending. It prohibits third parties from creating checks drawn from a consumer’s account without explicit written authorization (e.g., stopping unauthorized "remote" checks), requires small-dollar lenders (transactions under $5,000) to register with the Consumer Financial Protection Bureau, and bans fees for overdrafts on prepaid accounts. The bill also restricts lead generation for small-dollar loans by requiring lenders to directly provide credit, not just collect consumer data. A separate provision mandates a study on small-dollar lending impacts for Native American tribal communities within 180 days of enactment.

Maddy summaryThe Pell Grant Sustainability Act (HR 1666) requires the federal government to automatically adjust the maximum Pell Grant amount each year based on inflation, starting with $1,060 for the 2024-2025 academic year. This adjustment uses the Consumer Price Index (CPI) to ensure grants keep pace with rising college costs, directly affecting low-income students who rely on Pell Grants to afford higher education. The bill amends the Higher Education Act to mandate this annual inflation-based increase, rounding the final amount to the nearest $5. It aims to reverse the decades-long decline in grant purchasing power, which covered 80% of college costs in 1974-75 but only 31% by 2022-23.

Maddy summaryThe Keep Americans Safe Act (HR 1674) restricts the sale, transfer, and possession of large capacity ammunition feeding devices (LCFDs) - defined as magazines or similar devices holding more than 15 rounds of ammunition - for most individuals. Exceptions allow law enforcement officers (including campus law enforcement), retired officers, and nuclear security personnel to possess LCFDs under specific conditions. The bill requires new LCFDs to have serial numbers and manufacturing dates, permits federal seizure of violative devices, and authorizes federal grant programs to fund buy-back initiatives for LCFDs. It directly affects gun owners and manufacturers while preserving access for covered law enforcement and security personnel.

Maddy summaryHR 1657, the Humane Cosmetics Act of 2025, prohibits cosmetic companies from conducting or contracting animal testing for products sold in the U.S. beginning one year after the law takes effect. It also bans the sale or transport of cosmetics developed using such testing after that date, with limited exemptions (e.g., for foreign regulatory requirements or when no non-animal safety alternatives exist). The bill directly affects cosmetic manufacturers, retailers, and distributors by requiring them to shift to non-animal testing methods. The Food and Drug Administration (FDA) will enforce the law, including reviewing records and imposing civil penalties for violations.

Maddy summaryThe PAST Act of 2025 amends the Horse Protection Act to ban harmful practices known as "soring," which deliberately cause pain to horses to exaggerate their gait for shows. It specifically prohibits devices like action devices (e.g., boots causing friction) and weighted shoes on Tennessee Walking Horses, Racking Horses, and Spotted Saddle Horses at events. The bill increases penalties, including escalating disqualifications for repeat offenses (180 days → 1 year → 3 years) and raises fines for violations to $5,000 per offense. It also requires stricter licensing for inspectors and mandates public posting of violation records to help event organizers enforce rules.

Maddy summaryHR 1745, the HOPE for Homeownership Act, imposes new taxes on hedge funds and certain investment entities that own excessive single-family residences. It directly affects hedge funds with $50 million or more in assets under management, requiring them to pay a 15% tax (or $10,000) on new home acquisitions and an annual tax of $5,000 per excess property beyond allowable limits. The tax rate gradually decreases over nine years (from 90% to 0% of prior holdings) to encourage selling properties. Owners liable for this tax lose deductions for mortgage interest and depreciation on affected properties, creating a direct financial consequence for non-compliance.

Maddy summaryThe American Dream and Promise Act of 2025 would create pathways to permanent residency for certain immigrant youth who entered the U.S. as children (Dream Act component) and for individuals from countries with Temporary Protected Status or Deferred Enforced Departure (American Promise Act component). To qualify, applicants must meet continuous physical presence requirements (since January 1, 2021 for Dream Act applicants, and for 3+ years for American Promise applicants), pass background checks, and satisfy educational or employment criteria. Conditional permanent resident status would be granted initially, with the option to convert to full permanent residency after meeting additional requirements like earning a degree, serving in the military for two years, or demonstrating three years of earned income. The bill includes fee exemptions for low-income applicants, establishes a grant program to assist applicants with legal help, and creates specific procedures for background checks and appeals.

Maddy summaryHR 1637, the Protect Veteran Jobs Act, allows veterans who were involuntarily dismissed without cause from federal civil service positions between January 20, 2025, and the bill’s enactment date to seek reinstatement to their former role or a qualified position. It directly affects eligible veterans dismissed during this period and requires federal agencies to report quarterly on veteran removals, including the number and reasons for each dismissal. Agencies must submit these reports to specified congressional committees until January 20, 2029, when the reporting requirement ends. The bill aims to restore employment opportunities for affected veterans while increasing transparency around federal hiring and dismissal practices.