Sen. Sheldon Whitehouse

Maddy summaryThis bill restricts how credit bureaus share consumer credit reports during mortgage applications. It limits sharing with third parties unless the request is for a firm mortgage offer or the recipient is the loan originator, servicer, or a bank holding the consumer's account. The law directly affects consumers (by limiting data sharing), credit bureaus (requiring new compliance), and mortgage lenders/banks (with restricted access). Key provisions require explicit consumer authorization for sharing and prevent broad data use during prescreening for home loans.

Maddy summaryThe ESTUARIES Act of 2025 amends Section 320(i)(1) of the Federal Water Pollution Control Act (33 U.S.C. 1330(i)(1)) to extend the National Estuary Program's authorization period from 2026 to 2031. This change directly affects the National Estuary Program, a federal initiative supporting the protection and restoration of estuaries across the United States. The key provision is a simple year adjustment in the law, altering the program's existing timeline without adding new requirements or funding. The bill focuses solely on updating the program's authorization deadline, with no additional policy changes described in the provided context.

Maddy summaryThe Keeping Obstetrics Local Act focuses on improving access to obstetric care in rural and underserved communities. It requires states to study costs of maternity services and mandates Medicaid payments for obstetric care at eligible hospitals to be at least 150% of Medicare rates (starting in 2027), with increased federal funding. The bill also requires 12-month continuous coverage for pregnant individuals under Medicaid and CHIP, establishes health homes for coordinated maternal care, and creates special payments for low-volume obstetric hospitals to prevent closures. Additionally, it requires hospitals to provide advance notice of obstetric unit closures and collects detailed data on labor and delivery services, directly affecting rural hospitals, pregnant individuals, and maternal health care providers.

Maddy summaryThe HCBS Relief Act of 2025 increases federal funding for Medicaid home and community-based services (HCBS) by 10 percentage points (capped at 95%) for participating states during fiscal years 2026-2027. It directly affects states that submit approved applications, Medicaid beneficiaries receiving HCBS, and home health workers by requiring states to use funds to raise wages/benefits for HCBS workers, reduce waiting lists, support family caregivers, and improve service quality. Key provisions mandate that states detail specific activities (like wage increases, paid leave, and equipment purchases) in applications, ensure funds supplement rather than replace state spending, and report on outcomes by 2029. The bill aims to strengthen HCBS access and workforce stability without changing Medicaid eligibility rules.

Maddy summaryThe State Public Option Act creates a new Medicaid buy-in option for state residents who are not enrolled in other health insurance plans, beginning January 1, 2026. It establishes limits on premiums (capped at 8.5% of family income) and cost-sharing, while allowing participants to enroll through state health insurance exchanges and access premium tax credits similar to those for private insurance. The bill also requires coverage of comprehensive sexual and reproductive health care services, including abortion services, starting in 2026. Additionally, it includes provisions to improve payment rates for primary care services provided under Medicaid.

Maddy summaryThis bill removes an age limit that previously restricted continuous Medicaid and CHIP coverage to children under 19. It changes the rules to apply 12-month continuous enrollment protections to all enrollees, regardless of age, by replacing "child" and age-specific language with "individual" throughout the program rules. The key mechanism is amending federal law to eliminate the requirement that beneficiaries must be under 19 to qualify for uninterrupted coverage. This directly affects all current and future Medicaid and CHIP participants, including adults and older children. The changes take effect in 2026.

Maddy summaryThe My Body, My Data Act of 2025 requires companies and services handling personal reproductive or sexual health information - such as health apps, clinics, or digital platforms - to only collect, retain, or share this data when strictly necessary for a service a person has requested. It gives individuals the right to access, correct, or delete their data easily (within 15 days, without fees), and mandates clear privacy policies explaining how data is used. The bill also prohibits companies from retaliating against people who exercise these rights, such as by charging higher prices or denying services. Enforcement will be handled by the Federal Trade Commission, with individuals able to sue for violations and seek penalties of up to $1,000 per violation per day.

Maddy summaryS 2035, the "Protect IVF Act," establishes federal rights to access and provide fertility treatment, including IVF, under widely accepted medical standards defined by the American Society for Reproductive Medicine. It directly affects patients seeking fertility care, health care providers offering IVF services, health insurance issuers covering such care, and manufacturers of fertility-related drugs or devices. The bill preempts state laws that restrict IVF access in ways inconsistent with medical standards - such as mandating unnecessary procedures, limiting telemedicine, or imposing discriminatory barriers - and allows federal court enforcement against violating state actions. This focuses on protecting existing access rather than creating new benefits or altering insurance coverage requirements.

Maddy summaryThis bill prohibits colleges and universities from requiring students to waive their right to sue in court through enrollment agreements. It blocks institutions from including forced arbitration clauses or other restrictions (like limiting choice of law, jury trials, or court locations) in contracts with students. The law amends the Higher Education Act to ensure students can pursue legal claims against schools directly in court, rather than through private dispute resolution. It applies to all enrollment agreements between students and institutions of higher education, effective one year after enactment.

Maddy summaryThis resolution designates June 6, 2025, as National Naloxone Awareness Day to raise public awareness about naloxone, a life-saving medication that reverses opioid overdoses. It urges federal, state, local governments, and organizations to improve access to naloxone and educate communities on its use, without creating new laws or funding. The resolution focuses on recognition and education, not policy changes or mandates.