Sen. Rick Scott

Maddy summaryThis bill restricts how credit bureaus share consumer credit reports during mortgage applications. It limits sharing with third parties unless the request is for a firm mortgage offer or the recipient is the loan originator, servicer, or a bank holding the consumer's account. The law directly affects consumers (by limiting data sharing), credit bureaus (requiring new compliance), and mortgage lenders/banks (with restricted access). Key provisions require explicit consumer authorization for sharing and prevent broad data use during prescreening for home loans.

Maddy summaryS 2052, the Flood Insurance Transparency Act of 2025, requires the National Flood Insurance Program to publicly release detailed flood risk and insurance data. It mandates the Administrator to make available property-level information (like risk assessments, claims history, and whether properties were built before/after flood maps), community-level flood hazard statistics, and details about multiple-loss properties - all without revealing personal owner information. The bill establishes an open data system for immediate public access and a searchable community database showing compliance status, flood-prone properties, and claims data. This directly affects the National Flood Insurance Program and provides researchers, developers, and the public with concrete data to improve flood risk understanding. The law focuses on transparency, not changing insurance rates or coverage.

Maddy summaryThe Flood Insurance Consumer Choice Act of 2025 amends federal flood insurance law to allow private flood insurance policies to count toward continuous coverage requirements. This change directly affects homeowners who purchase flood insurance from private companies, as their private coverage periods will now satisfy the same continuous coverage standards previously only recognized for federal program policies. The bill requires the federal Administrator to treat continuous private flood insurance coverage as equivalent to federal program coverage for meeting these requirements. As a result, property owners gain more flexibility in choosing private insurers without risking coverage gaps or higher premiums tied to coverage interruptions.

Maddy summaryS 2065, the CHECKPOINT Act, establishes a Checkpoint Program Management Office (CPMO) within U.S. Border Patrol to oversee checkpoint operations nationwide. It requires the Border Patrol Chief to create standard operating procedures, mandate regular data collection on apprehensions, seizures, technology use, and checkpoint activities, and provide training to staff on data accuracy. The CPMO must coordinate with other CBP offices, maintain data quality, and submit annual reports to Congress on checkpoint operations and surveillance technology use. The law includes a 5-year sunset provision and specifies no additional funding for implementation.

Maddy summaryThis bill prohibits the Federal Emergency Management Agency (FEMA) from requiring private insurance companies participating in the "Write Your Own" program to agree not to sell competing private flood insurance. It directly affects private insurers that currently sell flood insurance under the National Flood Insurance Program (NFIP) by removing restrictions that previously blocked them from offering standalone private flood coverage. The key provision amends federal law to ban non-compete clauses in agreements with these companies, ensuring they can sell private flood insurance products alongside NFIP offerings. This change allows private insurers greater flexibility to compete in the flood insurance market without being forced to limit their product choices. The bill focuses on clarifying program rules, not altering insurance rates or coverage requirements.

Maddy summaryThis resolution designates June 6, 2025, as National Naloxone Awareness Day to raise public awareness about naloxone, a life-saving medication that reverses opioid overdoses. It urges federal, state, local governments, and organizations to improve access to naloxone and educate communities on its use, without creating new laws or funding. The resolution focuses on recognition and education, not policy changes or mandates.

Maddy summaryThis bill (S 1997, Stop GAPS Act of 2025) requires the Office of Refugee Resettlement (ORR) to track unaccompanied minors (children without parents in U.S. immigration custody) who are in the United States and involved in ongoing immigration cases. It directs ORR to coordinate with states to find placements for these minors, replacing an outdated regulatory provision. The bill directly affects unaccompanied minors in immigration proceedings and the federal agencies managing their care.

Maddy summaryS 1969, the AFIDA Improvements Act of 2025, updates rules for foreign ownership of U.S. agricultural land. It requires foreign individuals or entities owning at least 1% of agricultural land (directly or through multiple entities) to report ownership details to the USDA, directly affecting foreign landowners. Key mechanisms include creating new enforcement duties for the Farm Production and Conservation Business Center (FPAC-BC) to verify reports and ensure compliance, and mandating USDA to coordinate with the Committee on Foreign Investment (CFIUS) on shared data. The bill also requires updating the USDA's Foreign Investment Disclosure handbook based on a 2024 GAO report and analyzing an electronic reporting system for faster data collection.

Maddy summaryS 1970, the MACV-SOG Congressional Gold Medal Act, authorizes a single Congressional Gold Medal to honor the service members of the Military Assistance Command Vietnam-Studies and Observations Group (MACV-SOG) who served during the Vietnam War from 1964 to 1972. The medal, to be presented by congressional leaders, recognizes MACV-SOG’s covert operations in Vietnam, Laos, and Cambodia, including reconnaissance, sabotage, and rescue missions, and acknowledges the unit’s high sacrifice (over 1,500 personnel missing or killed). After presentation, the medal will be displayed at the Smithsonian Institution, with duplicate bronze medals available for sale to cover production costs. This bill is purely commemorative and does not create new policy or affect any current laws.

Maddy summaryThis bill requires the U.S. Senate to approve any World Health Organization (WHO) pandemic preparedness agreement as a treaty, rather than allowing it to take effect through executive action. It directly affects the U.S. government’s ability to enter into international agreements on pandemic prevention, preparedness, and response with the WHO. The bill explicitly deems any such agreement "a treaty" requiring Senate advice and consent under the U.S. Constitution (two-thirds approval). It responds to the WHO’s recent adoption of a pandemic agreement draft at the 78th World Health Assembly in May 2025, aiming to ensure Senate oversight for all future pandemic-related international commitments.