Legislative Activity

The Business of Insurance Regulatory Reform Act of 2025 clarifies the authority of the Consumer Financial Protection Bureau (CFPB) concerning entities already regulated by state insurance departments. This bill limits the CFPB's ability to enforce federal consumer protection laws against state-regulated entities acting within the business of insurance. The legislation prioritizes and supports the enforcement power of state insurance regulators over the CFPB in these specific areas.

The Student Compensation and Opportunity through Rights and Endorsements (SCORE) Act establishes federal standards for student-athlete Name, Image, and Likeness (NIL) rights, allowing athletes to profit from endorsements while setting specific rules for agents and institutional compensation. The bill mandates enhanced support services, medical guarantees, and scholarship protections for athletes at high-revenue institutions. Furthermore, it grants states enforcement power over NIL violations and shields compliance actions from antitrust liability, while clarifying that student-athletes are not automatically considered employees.

This bill amends federal law to explicitly include violations related to rioting within the definition of "racketeering activity." By adding this specific crime to the list under Title 18, Section 1961(1), the legislation makes participation in such activities subject to serious federal racketeering charges. This change treats rioting violations similarly to other established offenses like bribery or extortion for the purposes of federal prosecution.

The Living Donor Protection Act of 2025 prohibits life, disability, and long-term care insurance companies from denying coverage or increasing premiums solely because an individual is a living organ donor. This legislation ensures that living donors are not financially penalized for their altruistic act. Additionally, the bill requires the Secretary of HHS to update educational materials to accurately reflect the insurance protections afforded to living donors.

This bill amends the Family and Medical Leave Act (FMLA) to explicitly clarify that time taken off for an employee's own organ donation surgery qualifies as a serious health condition. This ensures both private and federal sector workers receive FMLA protection for recovery from organ donation. The legislation also specifies how federal employees must substitute existing paid leave when taking FMLA time for this purpose.

This bill directs the United States Postal Service (USPS) to assign a single, unique ZIP Code to 66 specific communities across numerous states. The USPS is required to complete this designation process within 270 days of the law's enactment. This measure aims to ensure these designated towns and areas each have their own distinct postal code.

The Anti-CBDC Surveillance State Act strictly prohibits the Federal Reserve from directly or indirectly issuing a Central Bank Digital Currency (CBDC) to individuals. This legislation prevents the Fed from developing, testing, or implementing any digital currency that functions as a direct liability of the Federal Reserve. Furthermore, Congress asserts that any authority to create such a digital asset must explicitly come from Congress itself.

The Equal Shot Act of 2025 prohibits the Small Business Administration (SBA) from denying financial assistance to otherwise qualified applicants solely based on their involvement in the firearms industry. This legislation ensures that businesses defined as "firearm entities," their affiliates, or trade associations are not unfairly rejected for SBA loans or guarantees. The Act clearly defines these terms to prevent discrimination against businesses involved in manufacturing, selling, or servicing firearms and related accessories.

The Restoring Equal Opportunity Act aims to eliminate "disparate-impact liability" across major federal laws. This bill prohibits lawsuits claiming discrimination based solely on the unintended, disproportionate negative effect of a rule or practice. Consequently, it removes the ability to challenge employment and housing practices unless discriminatory intent can be proven. The Act also nullifies specific prior regulatory approvals related to civil rights enforcement.

The Black Vulture Relief Act authorizes livestock producers and their employees to take action against black vultures that pose an imminent threat to their livestock. This permission overrides certain existing regulations but strictly prohibits the use of poison. Those who take vultures under this authority must submit an annual report to the U.S. Fish and Wildlife Service once the required reporting form is made available.

The Muslim Brotherhood Terrorist Designation Act of 2025 seeks to formally prohibit the operations of the Muslim Brotherhood and its affiliates within the United States by applying existing anti-terrorism restrictions. This legislation mandates the Secretary of State to annually report on all Muslim Brotherhood branches globally, leading to the imposition of sanctions by the President on those entities. Furthermore, the bill establishes immigration consequences, including visa cancellation, for members of the organization.

The Building Civic Bridges Act establishes a new Office of Civic Bridgebuilding within the National and Community Service Corporation to promote activities that unite divided communities. This Office will manage a competitive, research-backed grant program to fund local projects focused on reducing conflict and improving social cohesion. The Act mandates that the program be implemented using only donated funds, with no new federal appropriations authorized.

This bill mandates increased transparency and verification for all federal government spending by requiring agencies to report detailed payment information to the Treasury. It enhances program integrity by granting the Treasury access to new hire and tax data to prevent and recover improper payments. Agencies must also verify recipient bank accounts before disbursement, with exceptions allowed only for sensitive national security or law enforcement operations.

The FAIR Bet Act amends tax law to allow taxpayers to deduct wagering losses dollar-for-dollar against their wagering winnings, up to 100% of those winnings. This change modifies the previous limitation on deducting gambling losses. Essentially, it ensures that gambling losses can fully offset gambling income for tax purposes.

The Contact Lens Prescription Verification Modernization Act updates existing law to ensure consumers can easily obtain and use their contact lens prescriptions. This bill specifically requires online sellers to provide a HIPAA-compliant method for electronically receiving prescriptions and mandates encryption for any protected health information sent via email. Additionally, it updates seller record-keeping requirements to include customer email addresses.

The Enforce the Caps Act establishes specific, increasing discretionary spending limits for the federal government for fiscal years 2026 through 2029. This legislation amends existing law to set firm budget authority caps for non-mandatory government programs over the next four years.

The Ensuring Justice for Camp Lejeune Victims Act of 2025 makes technical corrections to the 2022 Camp Lejeune Justice Act to clarify standards for proving harm and venue for trials. This legislation sets specific caps on attorney fees and retroactively applies these changes to all existing and future claims filed under the original 2022 Act. The bill ensures that existing statutes of limitations for filing claims remain unchanged.

The Tailoring for Main Street’s Investors Act aims to reduce regulatory burdens on certain investment advisers who exclusively manage private funds for high-net-worth investors. This bill exempts advisers managing under \$5 billion in assets from full SEC registration, provided their funds have limited liquidity. Additionally, it eases reporting requirements for smaller advisers managing under \$1 billion by allowing them to file their Form ADV biennially and mandates the creation of a simplified short form for these firms.

The Association Health Plans Act amends federal law to allow certain groups or associations of employers to sponsor a single group health plan, treating them as a single employer for coverage purposes. This aims to expand access to health coverage by enabling broader risk pooling across different industries. The bill establishes specific criteria these associations must meet to qualify, including minimum size and operational standards. Finally, it outlines rules for setting premium rates and prohibits discrimination based on health status for plans established under this Act.

The LEDGER Act mandates the creation of a comprehensive, centralized system managed by the Secretary of the Treasury to track every expenditure made by all branches of the U.S. Government. This new system must detail exactly where federal funds are spent and how long those funds were available for obligation. The goal is to significantly enhance the traceability and transparency of government spending.