Rep. Monica De La Cruz

Maddy summaryHR 1286, the Simplifying Forms for Veterans Claims Act, requires the Department of Veterans Affairs (VA) to simplify forms sent to veterans filing claims. Within 30 days of enactment, the VA must hire an independent research center (FFRDC) to assess these forms, working with veterans' groups, legal experts, and the VA itself. The VA must then report the assessment to Congress within 90 days and implement approved changes - like clearer language or better organization - within two years. This directly affects veterans navigating VA claims by aiming to reduce confusion in the application process.

Maddy summaryHR 3437, the Insurance Data Protection Act, prevents duplicate data collection from insurance companies by requiring federal financial regulators to coordinate with state insurance regulators before gathering data already available through other channels. It reinforces confidentiality by ensuring that sharing nonpublic data with federal regulators does not waive privacy protections under federal or state law, and maintains existing confidentiality agreements. The bill also establishes that data shared with regulators can only be provided to state regulators through new agreements that comply with privacy laws. This directly affects insurance companies (as "covered entities"), federal financial regulators, and state insurance regulators. The key change is creating a formal process to avoid redundant data requests while strengthening data privacy for the insurance industry.

Maddy summaryHR 3392, the STOP Screwworms Act, requires the U.S. Department of Agriculture to build modular facilities for rearing sterile New World screwworm flies within 180 days of enactment. These facilities will disperse sterile flies into at-risk agricultural areas - identified based on migratory patterns and suitability for dispersal - to prevent infestations that threaten livestock. The bill authorizes $300 million in funding for construction, operation, and annual reporting to Congress on threat assessments and effectiveness. It directly affects livestock producers and agricultural regions vulnerable to screwworm fly migration, using sterile insect technique as a preventive measure.

Maddy summaryHR 3353, the Lieutenant Osvaldo Albarati Stopping Prison Contraband Act, increases penalties for providing prohibited items like phones to prisoners in federal custody, imposing up to two years in prison for violations involving such items. The bill requires the Bureau of Prisons to review and update its policies within one year of enactment to better address contraband possession by inmates, aiming to improve safety for both incarcerated individuals and staff. It specifically amends federal law to clarify penalties for trafficking prohibited objects, including phones, under Section 1791 of Title 18. The legislation directly affects federal prison operations, inmates, and staff by targeting contraband trafficking and mandating policy reforms.

Maddy summaryHRES 402 is a symbolic House resolution honoring mothers and recognizing the significance of motherhood on Mother's Day. It affirms that mothers are women who raise children, supports policies recognizing mothers as mothers, and encourages the public to celebrate mothers' contributions to families and society. The resolution does not create new laws, allocate funds, or affect specific policies - it is a ceremonial gesture expressing support for traditional definitions of motherhood. It directly addresses the public and the House's recognition of mothers, with no concrete policy changes or impacts on individuals or programs.

Maddy summaryHR 3233, the Healthy Babies Act of 2025, amends the Child Nutrition Act to require the WIC program to add infant food combinations and dinners to its list of approved supplemental foods within one year of the bill's enactment. This change directly affects WIC participants, including low-income pregnant women, new mothers, and infants, by expanding the types of infant food available through the program. The key provision mandates the Secretary of Agriculture to update WIC regulations to include these specific food items, ensuring they meet nutritional standards. The bill does not create new funding but modifies existing program offerings under WIC.

Maddy summaryHR 3206, the Protecting America's Property Rights Act, requires Fannie Mae and Freddie Mac (the "Enterprises") to use third-party insurance products regulated by state authorities for mortgage lien and title protection. It mandates that any mortgage purchased by these entities must involve products regulated by state insurance or financial authorities, as defined in existing federal law. To enforce this, the bill adds a 1.00% capital requirement on the unpaid principal balance of mortgages that don’t meet this standard. The Director of the Federal Housing Finance Agency must issue implementing regulations within 180 days of the bill’s enactment.

Maddy summaryHR 976, the "1071 Repeal to Protect Small Business Lending Act," would repeal data collection and reporting requirements for small business loans under Section 704B of the Equal Credit Opportunity Act. This specifically removes the mandate for financial institutions - especially community banks and credit unions - to track and submit loan data by business characteristics like race or gender. The bill aims to reduce compliance costs for lenders, which its findings argue limit small business access to credit. The repeal would eliminate these reporting obligations and remove references to the requirement from related federal laws.

Maddy summaryThis bill provides a 3-year transition period for newly insured banks to meet federal capital requirements, easing compliance for institutions that recently became federally insured. It allows these banks to request temporary deviations from approved business plans, with regulators required to respond within 30 days (or the request is automatically approved). Small rural banks with less than $10 billion in assets located in rural areas receive a lower 8% leverage ratio requirement during this transition. Additionally, the bill expands lending authority for certain banks to include agricultural loans and requires a federal study on increasing new bank formations in underserved areas.

Maddy summaryThis bill creates an Advisory Committee under the Financial Stability Oversight Council to study how Chinese military actions toward Taiwan could impact U.S. financial markets. The committee, composed of market experts and participants, will annually assess vulnerabilities like banking risks, market volatility, and potential losses from such scenarios, then recommend resilience strategies. It requires an annual public report detailing these findings and actionable steps for regulators - such as improving circuit breakers or coordinating responses - to strengthen market preparedness. The bill does not enact new regulations but mandates ongoing analysis and reporting on this specific geopolitical risk.