Rep. Cleo Fields

Maddy summaryThe SUPPLY Act establishes a federal program to insure second loans (additional financing) for building accessory dwelling units (ADUs) on single-family properties. This insurance, administered by the Department of Housing and Urban Development, covers up to 30% of a standard one-unit home loan amount or 100% of the property value after construction (with potential increases based on 50% of projected rental income). Homeowners seeking to add ADUs - such as backyard cottages, converted basements, or detached units - can use this insurance to secure financing, with a government premium of up to 1% annually. The bill also requires Fannie Mae and Freddie Mac to purchase and securitize these insured loans, potentially expanding access to ADU financing.

Maddy summaryThis bill requires the Environmental Protection Agency (EPA) to consult the National Academies of Sciences before finalizing new safety standards for fluoride in drinking water. Specifically, the EPA must arrange for the National Academies to conduct a rapid evidence review (within 90-180 days) of proposed fluoride rules, provide them all relevant data, and consider their findings. The bill affects federal regulators (the EPA) and the process for setting drinking water standards, not directly impacting the public or water systems. It does not change fluoride levels or safety thresholds but mandates an additional review step in rulemaking. The summary focuses solely on the procedural requirement added to the Safe Drinking Water Act.

Maddy summaryHR 4482, the Stop NOAA Closures Act, imposes a temporary moratorium on closing, suspending, or limiting access to National Oceanic and Atmospheric Administration (NOAA) facilities, effective until a report is submitted to Congress by January 21, 2029. The bill requires NOAA and the General Services Administration to submit detailed reports to specific congressional committees before any future facility closure, suspension, lease termination, or consolidation - outlining cost-benefit analyses, service impacts, and justification. Exceptions apply only for emergencies posing immediate threats to personnel safety. This bill directly affects NOAA's facility management decisions and mandates congressional oversight for future closures.

Maddy summaryThe Black Farmers and Socially Disadvantaged Farmers Increased Market Share Act creates a new grant program to support food hubs that increase market access for socially disadvantaged farmers and ranchers. The program provides competitive grants for food hubs to develop infrastructure, equipment, and marketing services, with priority given to projects benefiting underserved communities. The bill also establishes a 25% tax credit for businesses that purchase agricultural products from these food hubs and requires USDA to prioritize purchasing from socially disadvantaged farmers in domestic food assistance programs. These provisions aim to address historical barriers to market access for socially disadvantaged farmers by supporting their participation in food distribution systems.

Maddy summaryThis bill requires Medicaid programs to cover specific treatments for individuals with breast or cervical cancer. It adds a new provision to Medicaid rules that explicitly includes these patients in mandatory coverage, ensuring states must provide necessary care. The bill also mandates that Medicaid cover breast reconstruction surgery following a medically necessary mastectomy. These changes directly affect Medicaid beneficiaries diagnosed with breast or cervical cancer who need these specific treatments. The policy update removes gaps in existing coverage for these critical cancer care services.

Maddy summaryThis bill establishes a program to insure second mortgages (loans taken out after the primary mortgage) for financing accessory dwelling units (ADUs) on single-family properties. The Secretary of Housing and Urban Development must create the program within two years, setting loan limits (up to 30% of a standard mortgage amount or 100% of the property's after-construction value, with potential increases based on 50% of projected rental income) and requiring borrowers to own the property and apply for insurance. It also allows Fannie Mae and Freddie Mac to purchase and securitize these insured loans, unless the Federal Housing Finance Agency determines market risks require a prohibition. The program requires the Secretary to submit annual reports to Congress on its implementation starting one year after enactment.

Maddy summaryHR 4545, the Medicare Breast Reconstruction Access and Information Act, requires healthcare providers to inform Medicare patients about coverage for breast reconstruction surgery before performing a mastectomy. The bill amends the Social Security Act to mandate that suppliers providing a mastectomy must explain that reconstruction is covered under Medicare's national coverage determination 140.2 and document this discussion in the patient's medical record. This applies specifically to Medicare beneficiaries undergoing medically necessary mastectomies. The law ensures patients receive clear information about existing coverage options prior to surgery, without changing Medicare's benefit structure.

Maddy summaryThis bill requires all federal agencies to set specific equity goals in their strategic and performance plans, mandating at least one goal or 20% of total goals focused on improving services for underserved communities and individuals. It establishes an "Agency Equity Advisory Team" with 10+ agency roles (including civil rights, data, and human capital leaders) and creates an "Equity Subcommittee" to coordinate across agencies on equitable practices. The bill also updates data officer responsibilities to prioritize equitable data collection, use, and sharing, including collaboration with community groups and state/local governments. It directly affects all federal agencies and aims to reshape how government services are delivered to populations systematically excluded from economic, social, and civic opportunities.

Maddy summaryHR 4444 would replace the current "undue hardship" standard for discharging student loan debt in bankruptcy with a new, more accessible standard. This change directly affects the 43 million Americans with federal student loans, particularly those struggling with payments (over 6 million are 90+ days delinquent as of June 2025), who currently face an extremely low success rate (less than 0.01%) under the existing Brunner test. The bill amends Section 523(a)(8) of the bankruptcy code to remove "undue hardship," giving courts flexibility to use reasonable criteria while maintaining existing bankruptcy requirements like means testing. This aims to provide a fairer path to relief for borrowers who cannot repay their debts, addressing a system where most bankruptcy filings for student loans fail.

Maddy summaryThe Child Care for Working Families Act creates a federal program to provide affordable, high-quality child care for working families with children under age 6. It would provide direct child care assistance through certificates or grants to parents, with no copayment required for families at or below 85% of state median income. The program requires states to implement quality standards for child care providers, including a tiered quality system and minimum wage requirements for staff (at least a living wage equivalent to elementary educators). The bill appropriates $20 billion for the program over five years, with additional funding for quality improvement initiatives and universal preschool services.