Maddy summaryThe SAFE Lending Act of 2024 aims to protect consumers in small-dollar lending by implementing several key protections. It prohibits financial institutions from creating checks without a consumer's written authorization, requires small-dollar lenders (those offering credit under $5,000, adjusted annually for inflation) to register with the Consumer Financial Protection Bureau, and bans certain fees for prepaid accounts like overdraft charges. The bill also restricts how sensitive financial information can be collected for small-dollar credit applications, requiring transparency and direct provision of credit by the entity collecting the information. Additionally, it mandates a study on small-dollar credit's impact on Native American tribes and requires the Bureau of Consumer Financial Protection to issue implementing rules within one year.
Sponsored bills
Maddy summaryThe SAFE for Survivors Act of 2024 establishes new protections for victims of domestic violence, dating violence, sexual assault, and stalking. It creates a 40-day safe leave entitlement (10 paid days) for victims to address safety needs like legal assistance, medical care, relocation, and financial services. The law prohibits employment discrimination against victims, requires employers to provide reasonable accommodations, and ensures victims can access unemployment benefits and insurance protections without discrimination. These provisions apply to all employers and insurers, with enforcement through the Department of Labor and Federal Trade Commission.
Maddy summarySRES 828 is a non-binding Senate resolution expressing the chamber’s position that every person has the right to emergency health care, including abortion care, during medical emergencies. It highlights that abortion restrictions in emergencies force providers to choose between treating patients or risking criminal charges, disproportionately harming Black, Indigenous, people of color, immigrants, low-income individuals, and LGBTQI+ patients. The resolution specifically notes that such bans create dangerous uncertainty for life-threatening conditions like severe hemorrhage, sepsis, or placenta previa. As a symbolic statement, it does not create new law or alter existing policies.
Maddy summaryThis bill makes the Union Station Redevelopment Corporation (USRC) eligible to receive 100% federal funding for several transportation infrastructure grant programs. Specifically, it allows the USRC to apply for and receive full federal funding (100% of project costs) under the RAISE grant program, National Infrastructure Project Assistance grants, Consolidated Rail Infrastructure grants, and Federal-State Partnership for Intercity Passenger Rail grants. The key change is modifying existing eligibility rules to include the USRC as a recipient and setting its federal share at 100% across these programs. This directly affects the USRC, enabling it to secure full federal financial support for infrastructure projects at Union Station.
Maddy summaryThe BASIC Act (S 5091) helps college students access federal benefit programs that support basic needs like food, housing, healthcare, and childcare. It requires federal agencies to securely share data to identify students who might qualify for programs such as SNAP, Medicaid, housing assistance, and the Earned Income Tax Credit, then notifies students of their eligibility. The bill provides $1 billion in funding for planning grants (up to $75,000 for 2 years) to help colleges research student needs and develop strategies, followed by implementation grants (up to $1 million for 5 years) to address these needs through on-campus services and partnerships. This directly affects all colleges participating in federal financial aid programs, with special priorities for community colleges, historically Black colleges, and institutions serving many low-income students.
Maddy summaryThis bill prohibits financial markets from listing or trading any agreements, contracts, or swaps tied to political elections or election outcomes. It directly affects financial institutions, exchanges, and clearinghouses that handle derivative products, banning them from offering or facilitating bets on election results or related metrics. The key mechanism amends the Commodity Exchange Act to explicitly forbid such election-linked financial instruments from being traded or cleared through registered entities. This creates a clear regulatory barrier to prevent speculative betting on electoral contests.
Maddy summaryThis resolution designates September 2024 as "National Voting Rights Month" to highlight historical and ongoing voting rights issues in the U.S. It encourages all Americans to support voting access and urges Congress to pass specific voting rights legislation, including the Freedom to Vote Act and the Democracy Restoration Act. The resolution also recommends that schools teach about voting history, voter suppression, and current voting restrictions. As a symbolic measure, it does not create new laws but aims to raise awareness about voting rights challenges.
Maddy summarySRES 823 is a symbolic Senate resolution recognizing Hispanic Heritage Month (September 15-October 15, 2024) and celebrating the cultural contributions and achievements of Latinos in the United States. It does not create new laws or affect specific groups; instead, it urges the public to observe the month through activities honoring Latino heritage. The resolution highlights Latinos' economic impact (e.g., $3.4 trillion purchasing power), demographic significance (19.5% of U.S. population), and historical military service, but these statistics serve as context, not policy changes. As a ceremonial resolution, it has no legal force and is intended to raise awareness, not alter government programs or funding.
Maddy summarySRES 815 designates the week beginning September 9, 2024, as "National Hispanic-Serving Institutions Week" to recognize institutions that serve a significant Hispanic student population. It specifically refers to degree-granting colleges and universities with at least 25% Hispanic undergraduate enrollment, which collectively serve over 5 million students nationwide. The resolution calls for the public and organizations to observe this week with ceremonies and activities honoring these institutions' role in expanding access to higher education, particularly for low-income and underserved students. This is a ceremonial resolution with no funding or regulatory changes; it simply provides national recognition during Hispanic Heritage Month.
Right to IVF Act This bill provides a statutory right to access fertility treatments (e.g., in vitro fertilization). Specifically, under the bill, individuals have the right to access fertility treatments and to make decisions about the use of their reproductive genetic material (e.g., embryos) without limitation or interference. Health care providers and insurers have the right to provide and cover these services, respectively. Manufacturers of applicable drugs or devices also have the right to provide these drugs or devices. The bill supersedes state laws that limit or otherwise interfere with the provision of fertility treatments as set out under this bill, including laws that require medically unnecessary procedures or services in conjunction with fertility treatments or that restrict the ability of individuals to receive fertility treatments based on marital status or sex (including sexual orientation or gender identity). The bill does not affect state health and safety regulations for medical facilities or health care providers that are in accordance with widely accepted and evidence-based medical standards and for which the purpose cannot be achieved in another, nonrestrictive manner. The Department of Justice may bring civil actions against states, individuals, or entities that implement or enforce limitations or requirements that violate this bill. Individuals and health care providers may also bring civil actions. In addition, the bill provides for coverage of fertility treatments under Medicare and Medicaid and for members of the uniformed services and veterans. It also requires private insurers that cover obstetrical services to also cover fertility treatments.