Legislative Activity

The Employee Paycheck and Small Business Protection Act significantly increases federal deposit insurance coverage for business operating accounts, establishing a special, high limit of up to $100 million per institution. This measure aims to protect the liquidity of businesses, non-profits, and municipalities by ensuring their essential transaction funds are fully insured. Additionally, the bill creates a temporary government guarantee program for these accounts, which can be activated during times of economic instability to maintain financial confidence. The relevant agencies are tasked with developing and implementing these new permanent and temporary insurance frameworks within strict deadlines.

The Medicaid Breast Cancer Access to Treatment Act expands Medicaid eligibility to cover certain individuals who have had breast or cervical cancer. This legislation also mandates that Medicaid coverage must include breast reconstruction surgery following a medically necessary mastectomy. These changes aim to ensure comprehensive care and remove financial barriers for cancer survivors under the program.

The Medicare Breast Reconstruction Access and Information Act mandates that suppliers performing medically necessary mastectomies must inform patients about their Medicare coverage for post-mastectomy breast reconstruction. This information must be provided and documented in the patient's medical file before the surgery takes place. Failure to comply will result in Medicare withholding payment for the mastectomy procedure.

This Act directs the SEC to expand its support for small businesses seeking capital, with a specific focus on traditionally underrepresented groups. The SEC must now provide targeted educational materials and host outreach events for businesses owned by women or minorities, those in rural areas, or those impacted by natural disasters. Additionally, the bill mandates annual meetings between the SEC and state securities commissions to improve coordination in supporting small business capital formation.

The Downpayment Toward Equity Act of 2025 establishes a new HUD grant program to provide downpayment and closing cost assistance to first-time, first-generation homebuyers. Funds will be distributed to states and eligible entities based on need and the number of qualified buyers in their area. Assistance is capped per buyer and requires mandatory homeownership counseling, with strict rules governing eligible mortgages and primary residency requirements.

The CLASS Act of 2025 aims to protect students' rights in legal disputes with institutions of higher education. It prohibits mandatory arbitration clauses in student enrollment agreements and forbids colleges receiving federal aid from requiring students to waive their right to sue the institution. These provisions will take effect one year after the Act is officially enacted.

The Stop TRUMP in Crypto Act of 2025 prohibits covered government officials and their immediate families from trading, owning, or profiting from digital assets while in office. This legislation specifically bans insider trading of crypto and prevents officials from using intermediaries or complex ownership structures to bypass these restrictions. The Act aims to eliminate conflicts of interest by ensuring high-ranking officials cannot benefit financially from involvement with cryptocurrencies.

The International Financial Institution Improvements Act of 2025 aims to increase transparency and accountability in U.S. engagement with the World Bank, IMF, and other multilateral development banks. It mandates clearer public reporting, requires consultation with civil society organizations on lending decisions, and directs U.S. representatives to advocate for stronger human rights, anti-corruption, and climate-related policies. The bill also authorizes increased U.S. financial commitments to development funds focused on Africa and Europe, contingent upon future Congressional appropriations.

The Reduction in Force Review Act subjects federal agency decisions regarding workforce reductions (RIFs) to formal Congressional review, treating them as legislative "rules." Agencies must now submit detailed justification packages explaining the reasons for the cuts, the operational impact, and alternatives considered. This ensures greater transparency and scrutiny over significant staff reductions affecting federal employees.

The Restoring Fair Housing Protections Eliminated by Trump Act of 2025 aims to reverse recent administrative actions that Congress views as undermining fair housing laws. The bill officially redefines the mission of the Department of Housing and Urban Development (HUD) to actively promote inclusive communities and mandates the creation of a new, robust definition for "Affirmatively Furthering Fair Housing." Furthermore, it requires HUD to study the impact of AI on housing discrimination and establish a publicly accessible database detailing all fair housing complaints.

This resolution is an inquiry demanding the President provide detailed documents regarding the access granted to staff and advisers of the Department of Government Efficiency (DOGE) to the systems and data of the Bureau of Consumer Financial Protection (BCFP). Congress seeks comprehensive information on personnel backgrounds, specific system permissions, data movement, and the approval processes used for this access. The request also mandates documentation on conflict of interest reviews and current BCFP staffing levels.

This resolution recognizes the ongoing impact of HIV/AIDS, particularly on women and girls, and supports increased awareness, prevention, and access to care and treatment. It emphasizes the need for targeted efforts to address vulnerabilities, reduce disparities, and promote youth-friendly health services. The resolution also encourages global efforts to combat discrimination and improve access to sexual and reproductive health services.

The "Mamas and Babies in Underserved Communities Act of 2025" aims to improve maternal health outcomes and reduce disparities in underserved communities by providing grants to healthcare providers. These grants will support the expansion and enhancement of maternal health services, including prenatal, postnatal care for infants, and postpartum care for mothers. Priority is given to entities serving minority, low-income, or medically underserved areas, particularly those led by community members. The act allocates necessary funds from 2026 to 2030 to facilitate these improvements.

The "Affordable PLUS Repayment Options for Parents Act of 2025" expands income-contingent and income-based repayment options to parents who have taken out PLUS loans for their children's education. It removes restrictions that previously made PLUS loan borrowers ineligible for income-based repayment plans. The bill defines "partial financial hardship" based on a borrower's income and family size, ensuring more families can qualify for reduced payments. These changes apply to borrowers with outstanding PLUS loans or consolidation loans used to pay off PLUS loans, who are repaying their loans through income-driven repayment plans on or after the enactment date.

The Wildfire Insurance Coverage Study Act of 2025 directs the Comptroller General to study and analyze wildfire risk and insurance coverage. The study will assess risk trends, evaluate how insurers adjust rates and coverage, and examine regulatory responses to premium increases and coverage exclusions. It also identifies challenges insurers face in underwriting wildfire risk and analyzes the effects of coverage availability on communities and rebuilding efforts. A report detailing the study's findings and conclusions must be submitted to Congress within 12 months.