Rep. John H. Rutherford

Maddy summaryHR 4167, the Expanding Access to Lending Options Act, amends the Federal Credit Union Act to extend the maximum time federally chartered credit unions can hold mortgage loans from 15 years to 20 years (or longer by NCUA regulation). This change directly affects federally chartered credit unions by allowing them to offer longer-term mortgage products to members. The key provision modifies Section 107(5) of the Federal Credit Union Act, specifically updating the time limit for mortgage loans held by credit unions. The bill also includes a non-binding sense of Congress statement emphasizing safety and soundness in NCUA oversight, but the core policy change is the extended mortgage holding period.

Maddy summaryThis bill makes technical corrections to the Camp Lejeune Justice Act of 2022 to streamline claims for individuals harmed by water contamination at Camp Lejeune. It clarifies the evidence required (30+ days at the base plus a link between contaminants and health harm), specifies that cases must be handled in North Carolina courts (with limited transfer options), and sets attorney fee caps (20% before suit, 25% after). These changes directly affect veterans and civilians who lived at Camp Lejeune and filed claims under the 2022 law. The bill does not create new eligibility but aims to improve the legal process for existing cases.

Maddy summaryThe LEDGER Act (HR 4091) requires the Treasury Department to create a system tracking every government payment within 180 days of enactment. It mandates that all federal departments, agencies, and branches (executive, legislative, judicial) must report disbursements from every funding source, including how long funds remain available for spending. This system will detail each payment's origin, recipient, and timing across all government accounts. The bill directly affects all federal spending entities by standardizing expenditure tracking previously handled inconsistently.

Maddy summaryThis bill prohibits transplant centers and healthcare providers from denying organ transplants or related services solely based on a patient's disability. It requires covered entities to make reasonable modifications to policies (like considering a patient's support network or using communication aids) and to avoid denying care due to lack of auxiliary aids. The law applies to all transplant stages - including evaluation, listing, and post-transplant care - and explicitly states it complements, rather than replaces, existing disability rights laws like the ADA. It allows medical considerations only if a physician determines a disability is medically significant to the transplant, after individual evaluation.

Maddy summaryThis bill requires the United States Postal Service (USPS) to notify postal customers and specific government officials when a post office temporarily suspends operations. It mandates detailed advance notice (60 days for planned closures) including reasons, expected dates, and plans for replacement services, with shorter notices (14 days) for unplanned closures. USPS must provide replacement retail services - such as selling packaging, handling mail for post office boxes, and processing address changes - within 10 days and maintain them until operations resume. The law applies only to closures starting after enactment and targets USPS operations affecting local communities and their federal/state representatives.

Maddy summaryHR 3946, the FIGHT Act of 2025, amends the Animal Welfare Act to specifically prohibit gambling on animal fighting events and restrict the interstate transport of roosters used in such ventures. It defines "rooster" as male chickens over six months old and makes it unlawful to sponsor, exhibit, attend (for those under 16), or gamble on animal fighting events - whether in-person or broadcast. The bill creates a civil enforcement mechanism allowing any person to file a lawsuit to stop violations after providing 60 days' notice to authorities, with potential fines up to $5,000 per violation. It also establishes seizure of property used to facilitate violations and clarifies that state laws on animal fighting remain in effect unless directly conflicting with federal provisions.

Maddy summaryThis bill changes how federal Bureau of Prisons employees in the "Rest of U.S." pay locality receive compensation. It directs that employees whose official worksite is in "Rest of U.S." be treated as working in the nearest other pay locality (within 200 miles) with the highest comparability payment, rather than the default "Rest of U.S." rate. This adjustment applies to all Bureau of Prisons employees, including prevailing rate staff, and takes effect 180 days after enactment. The change directly affects federal correctional officers and staff working in remote locations currently covered by the "Rest of U.S." pay rate.

Improving Access to Medicare Coverage Act of 2025 This bill deems an individual receiving outpatient observation services in a hospital as an inpatient for purposes of satisfying the three-day inpatient hospital-stay requirement with respect to Medicare coverage of skilled nursing facility (SNF) services. (Generally, individuals must have been an inpatient at a hospital for at least three days in order to qualify for SNF services. An individual's time spent under observation at a hospital for purposes of determining whether the individual should be admitted does not count towards this requirement.)

Maddy summaryHR 2096, the "Protecting Our Nation’s Capital Emergency Act," aims to address rising crime in Washington, D.C., by reversing specific District of Columbia police policies. It directly affects Metropolitan Police Department officers and civilian employees by restoring two key provisions: (1) the right for officers to negotiate discipline matters through collective bargaining, and (2) the statute of limitations for claims against police personnel. The bill repeals related sections of the 2022 D.C. Comprehensive Policing and Justice Reform Act, which had previously limited these rights. These changes are intended to improve police recruitment and retention amid staffing shortages and rising crime rates.

Maddy summaryHR 3867, the Bankruptcy Administration Improvement Act of 2025, increases compensation for chapter 7 bankruptcy trustees from $60 to $120 per case, directly affecting these trustees who administer consumer bankruptcy cases. The bill adjusts fee distributions to fund this increase, ensuring the bankruptcy system remains self-supporting without taxpayer costs. It also extends terms for certain bankruptcy judge positions from 5 to 10 years to address caseload demands. The bill does not change filing fees or alter courts' authority to waive fees for indigent filers.