Rep. Lisa C. McClain

Maddy summaryThis bill amends the Fair Labor Standards Act to clarify that direct sellers and qualified real estate agents (as defined under IRS rules) are not considered "employees" under federal labor law. It directly affects these workers by excluding them from FLSA protections like minimum wage and overtime pay. The key provision inserts a new definition into the law, changing how these professions are classified for labor rights purposes. This is a technical definitional change, not a new policy or program.

Maddy summaryThe Consumer Financial Protection Accountability and Reform Act of 2026 significantly restructures the Bureau of Consumer Financial Protection by subjecting it to the regular federal appropriations process and establishing an independent Inspector General appointed by the President. The bill restricts the Bureau's supervisory authority over banks and credit unions with assets under $30 billion, allowing these institutions to elect to remain under their existing prudential regulators instead. It also introduces a safe harbor for small-dollar loans of $3,500 or less that meet specific structural requirements, shielding compliant lenders from civil money penalties and private damages. Additionally, the legislation creates federal standards for earned wage access services, requiring providers to offer a no-cost option for early wage access and prohibiting them from treating these services as credit or debt under federal law.

Maddy summaryThe Common Cents Act would end the production of one-cent coins for general circulation while allowing them to remain legal tender, and it authorizes businesses to round cash transactions to the nearest five cents when exact change is unavailable. The bill also permits the redesign of the five-cent coin with a zinc core and nickel outer layer to reduce manufacturing costs, subject to tests ensuring compatibility with existing machines. Employers must round any cash payments to employees up to the nearest five-cent increment, while rounding in other transactions is optional for businesses but cannot violate minimum wage or overtime laws. Additionally, the Federal Reserve Board is required to submit a strategic plan and periodic reports to Congress on how to maintain stability in coin distribution systems during the transition away from pennies.

Maddy summaryThis bill designates the United States Postal Service facility at 117 West Lovett Street in Charlotte, Michigan, as the "Francis C. Flaherty Post Office Building." It directly affects the specific postal location by officially changing its name in federal records and documents. The key provision ensures that all future legal and official references to this building will use the new name. This is a commemorative measure that honors an individual without altering operational policies or funding.

This bill designates the facility of the United States Postal Service located at 324 Washington Avenue, Suite 1 in Grand Haven, Michigan, as the "Ell Thomas Simantz Post Office Building".

Maddy summaryThe Main Street Capital Access Act reduces regulatory burdens for smaller banks, particularly those with less than $10 billion in assets. Key provisions include a 3-year phase-in period for new banks to meet capital requirements, lower leverage ratio requirements for rural banks (7.5% for the first 2 years), and a 30-day review process for business plan deviations. The bill also establishes an Office of Independent Examination Review, sets specific timelines for examinations (270 days) and reports (90 days), and creates a "least cost exception" for bank resolutions to prevent excessive concentration of the banking system. These changes aim to promote new bank formation, improve regulatory efficiency, and support community banking while maintaining financial stability.

Maddy summaryHR 3074, the Common Cents Act, eliminates the regular production of one-cent coins by the U.S. Treasury after one year of enactment, except for limited production to meet collector demand under specific cost-recovery rules. It requires businesses to round cash transaction amounts to the nearest nickel (e.g., $1.03 rounds up to $1.05, $1.07 rounds down to $1.05), with exceptions for transactions under $0.02 (rounded up to $0.05) and non-cash payments. The bill affects all businesses handling cash payments and collectors of pennies, while ensuring all coins remain legal tender. The rounding rules take effect one year after enactment.

Protecting Privacy in Purchases Act This bill prohibits payment card networks from using merchant codes that distinguish firearms retailers from general-merchandise retailers or sporting-goods retailers. The Department of Justice must enforce this bill and report annually on the resulting investigations and cases.

Maddy summaryThis resolution formally acknowledges Michigan's contributions to the United States as the nation celebrates the 250th anniversary of the Declaration of Independence. It recognizes that Michigan became the 26th state in 1837 and highlights the lasting impact its residents have had on the country's success. The measure encourages all citizens to reflect on the ideals of the Founding Fathers and the fight for independence. As a commemorative action, the bill does not create new laws or change existing policies but serves to honor historical events and state achievements.

Maddy summaryThe Smithsonian American Women’s History Museum Act authorizes the creation of a new Smithsonian museum dedicated to women’s history, to be located within the National Mall Reserve in Washington, D.C. If the site is managed by another federal agency, the bill requires that agency to transfer the land after notifying Congress and relevant committees. The museum must ensure exhibits and programs accurately represent diverse women’s experiences by consulting a broad range of experts and community voices. The Smithsonian will submit biennial reports to Congress detailing how the museum meets these representation standards.