Sen. Bernard Sanders

Maddy summaryThis bill caps credit card interest rates at 10% annually for all finance charges, directly affecting credit card users by limiting how much lenders can charge. It prohibits lenders from using non-finance fees (like annual fees) to bypass this cap, and allows consumers to recover overpaid interest within two years of payment. The cap expires on January 1, 2031, and does not override stricter state consumer protections. This is a permanent policy change for credit card terms until the sunset date.

Maddy summaryThe NO BAN Act (S.398) amends U.S. immigration law to prohibit discrimination based on national origin, religion, or other protected categories when processing nonimmigrant visas or immigration benefits. It explicitly bans entry restrictions that target specific nationalities or religions, requiring the President to justify any such restrictions with specific evidence, narrow tailoring, and congressional notification under Section 212(f). The bill mandates detailed public reporting on visa denials, waivers, and refugee admissions for affected countries, and requires ongoing 30-day updates if entry restrictions are implemented. This directly affects nonimmigrant visa applicants, refugees, and commercial airlines subject to enforcement provisions.

Maddy summarySRES 51 is a symbolic Senate resolution expressing that the United States Agency for International Development (USAID) is essential for advancing U.S. national security. It states USAID helps mitigate foreign threats before they reach U.S. shores, promotes global stability, addresses the root causes of migration and extremism, and counters China's influence. The resolution does not change laws or funding - it only affirms the Senate’s view on USAID’s role. It was introduced by 38 Senators and refers to existing laws requiring congressional input for USAID changes.

Maddy summarySRES 49 is a ceremonial Senate resolution designating the week beginning February 3, 2025, as "National Tribal Colleges and Universities Week." It recognizes Tribal Colleges and Universities (TCUs), which serve over 230 federally recognized tribes and provide culturally grounded education to Native and non-Native students in underserved communities. The resolution calls for public observance through activities that highlight TCUs' role in preserving indigenous languages, supporting tribal communities, and preparing students for the workforce. This symbolic measure does not create new laws or allocate funding, but aims to raise national awareness of TCUs' contributions.

Maddy summaryThis resolution designates February 3-7, 2025, as "National School Counseling Week" to recognize the role of school counselors. It encourages nationwide observance through ceremonies and activities highlighting counselors' work in supporting students' academic, social, emotional, and career development. The bill does not create new policies or funding but aims to increase public awareness of counselors' contributions to school communities. It directly affects school counselors, students, and schools by promoting recognition of their vital support services.

Maddy summaryThis bill creates federal grants to help communities prepare for wildfire smoke and extreme heat. It provides funding for air pollution agencies to monitor air quality, install air filtration in public buildings, distribute protective equipment like N95 masks, and conduct community outreach in vulnerable areas. The bill also establishes research centers at universities to study health impacts and develop better response strategies, and creates a competitive grant program for states, tribes, and local governments to develop community-specific smoke and heat mitigation plans. These provisions directly affect communities facing wildfire smoke and extreme heat risks, particularly those with limited resources.

Maddy summaryThis bill mandates increased federal funding for two key education programs. It requires annual appropriations for Title I of the Elementary and Secondary Education Act (which supports schools serving disadvantaged students) and the Individuals with Disabilities Education Act (IDEA, which funds special education) starting in 2026. The bill sets specific, rising annual funding levels - based on a 2025 baseline and national per-student spending - to gradually reach 40% of the national average per-pupil expenditure for IDEA by 2035. These funds directly affect school districts receiving Title I support and those providing special education services under IDEA. The funding is made mandatory, not discretionary, ensuring consistent annual support for these programs.

Maddy summaryThis Senate resolution (SRES 42) is a symbolic expression of disapproval by the Senate for pardons granted to individuals convicted of assaulting Capitol Police officers. It does not change any laws or affect legal outcomes but formally condemns those pardons as inconsistent with the Senate's position. The resolution directly addresses the Senate's stance toward those who received pardons for violent acts against law enforcement during the January 6, 2021, Capitol breach.

Maddy summaryS 280, the Global Health, Empowerment and Rights Act, removes barriers for foreign nongovernmental organizations (NGOs) seeking U.S. aid under the Foreign Assistance Act. It directly affects foreign NGOs providing health services (like counseling) with non-U.S. funds, ensuring they cannot be denied aid solely for offering such services if they comply with local laws and U.S. federal standards. The bill prohibits denying aid based on health services provided with non-U.S. funds and stops applying stricter rules on non-U.S. funds for advocacy to foreign NGOs compared to U.S. NGOs. This changes how the U.S. government evaluates eligibility for aid, making the process more consistent for foreign health-focused organizations.

Maddy summarySRES 36 is a non-binding Senate resolution expressing the Senate's support for the United States working with states, cities, Tribal nations, businesses, and institutions to achieve the goals of the Paris Agreement on climate change. It urges federal, state, and local policies to reduce emissions and align with the Paris Agreement's objectives. The resolution highlights existing climate actions by states, cities, and businesses (like renewable energy commitments and the Inflation Reduction Act) but does not create new laws or funding. It serves as a symbolic statement of bipartisan support for climate action, noting the U.S. has submitted updated emissions targets to meet Paris goals.