Rep. Monica De La Cruz

Maddy summaryThis bill, known as the Ratepayer Protection Act, modifies federal energy laws to ensure that large industrial customers pay for the specific infrastructure upgrades needed to serve their high electricity demands. It directly affects non-residential facilities with a peak power usage of 100 megawatts or more, requiring utilities to charge these customers the full incremental cost of any necessary generation, transmission, or distribution improvements. Under the new rules, large customers must also provide financial guarantees or contributions before such upgrades are made, ensuring utilities can recover costs even if the customer leaves the contract early. State regulators have two years to implement these standards, though the bill exempts utilities in states that have already enacted similar measures or are actively considering them.

Maddy summaryThis House resolution designates September 17, 2026, as National Teach Ag Day to highlight the contributions of agricultural educators and the National FFA Organization. It formally recognizes the role these groups play in preparing students for leadership and career success in the agriculture sector. The bill also acknowledges the work of over 11,000 educators across the United States and its territories who teach about food and natural resources.

Maddy summaryThis House resolution supports designating the week of September 20 through September 26, 2026, as "Gold Star Families Remembrance Week." It aims to honor the families of service members and veterans who have died in the line of duty. The bill encourages Americans to observe this annual week by performing acts of community service and celebrating the lives of those who made the ultimate sacrifice.

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 TRAPS Act establishes a federal Task Force on Payment Scams, chaired by the Treasury Secretary, to coordinate efforts across agencies like the FTC, Federal Reserve, and consumer groups. The Task Force will study current scam tactics (such as fake text messages or fraudulent payment platforms), evaluate prevention strategies, and develop recommendations to help consumers avoid and report scams. It must submit an initial report within one year and annual updates, focusing on improving federal-state coordination and education programs. This bill directly affects government agencies and stakeholders participating in the Task Force, with the goal of protecting consumers from evolving payment scams.

Maddy summaryThis bill extends existing whistleblower protections to workers on all contracts funded by the Department of Housing and Urban Development (HUD). It applies Section 4712 of U.S. law - which prohibits retaliation against employees reporting fraud or waste - to every HUD contract, subcontract, grant, or personal services agreement, regardless of when the contract was signed. This means employees working on HUD-funded projects can now seek legal protection if they face retaliation for raising concerns about misconduct. The law directly affects HUD contractors and their employees by ensuring they have the same legal safeguards as other federal contract workers.

Maddy summaryHR 2978, the GUARD Act, allows state, local, and tribal law enforcement agencies to use existing federal grant funds for investigating elder financial fraud, "pig butchering" investment scams, and general financial fraud. The bill directs these funds toward hiring specialized staff, training on blockchain tools and transnational fraud, purchasing investigative software, improving data collection, and creating financial sector liaisons to coordinate with banks. It requires annual reports from law enforcement on fund usage and outcomes, and mandates federal agencies to submit comprehensive reports to Congress on scam statistics, enforcement actions, and funding allocation. The legislation directly affects law enforcement agencies and aims to strengthen efforts against fraud targeting vulnerable populations, particularly elderly individuals.

Maddy summaryHR 2004, titled "Tyler’s Law," requires the Secretary of Health and Human Services to study how often hospital emergency departments test for fentanyl during overdose cases (beyond standard drug tests), including associated costs, patient benefits/risks, and impacts on privacy and patient-physician relationships. The study must be completed within one year of the bill's enactment. Based on the study results, the Secretary must issue guidance within six months on whether emergency departments should routinely test for fentanyl, how to inform clinicians about test contents, and how such testing may affect future overdose risks and health outcomes. This bill directly affects hospital emergency departments and patients experiencing overdoses by shaping future testing protocols.

Maddy summaryHR 1266, the Combating Illicit Xylazine Act, adds xylazine - a veterinary sedative increasingly found in illicit drug mixtures - to Schedule III of the Controlled Substances Act, regulating its use and trafficking. It directly affects veterinarians, animal owners, and manufacturers by allowing xylazine to be legally dispensed for animal use under specific veterinary prescriptions, while prohibiting non-veterinary human use. The bill includes transition periods (60 days for practitioners, 1 year for labeling) to ease compliance for manufacturers and practitioners, and requires the DEA and FDA to expedite necessary applications. It also mandates two congressional reports on xylazine's illicit use and trafficking patterns, and directs the Sentencing Commission to review penalties for offenses involving xylazine.