Sen. Kevin Cramer

Maddy summaryS 1635, the Appraisal Industry Improvement Act, requires appraisers working on mortgages insured by the Federal Housing Administration (FHA) to be certified or licensed by the state where the property is located (with exceptions for federal employees). It mandates that appraisers complete specific training on FHA requirements and meet competency standards before conducting FHA-related appraisals. The bill also creates a new "State credentialed trainee appraiser" category, allowing states to establish trainee programs, and adds a $20 annual fee for trainees on the national registry. These changes apply specifically to FHA-insured mortgages and affect appraisers, state licensing agencies, and appraisal management companies.

Maddy summaryThis bill requires broadband providers and large "edge providers" (like social media, streaming, and search companies) to contribute to the Universal Service Fund (USF), which supports affordable broadband in rural and high-cost areas. It expands the USF contribution base beyond traditional phone companies to include these digital services, with exemptions for smaller providers (e.g., those handling under 3% of U.S. data or earning under $5 billion annually). The Federal Communications Commission must create new rules within 18 months to ensure fair contributions and establish a specific support mechanism for broadband providers serving high-cost areas. The goal is to make broadband more affordable for consumers by ensuring broader funding for universal service programs.

Maddy summarySRES 206 is a symbolic Senate resolution supporting National Nurses Week, to be observed May 6-12, 2025. It recognizes nurses’ contributions to healthcare, highlights their role as patient advocates and leaders in public health, and acknowledges their impact across all stages of life. The resolution encourages the public to observe the week with recognition and activities but does not create new laws or alter policies. It directly honors the nursing profession, which includes over 4.9 million registered nurses in the U.S., without imposing any requirements on government or institutions.

Maddy summaryThe MOMS Act establishes a federal website called pregnancy.gov that will connect pregnant and postpartum women with local resources for healthcare, housing, childcare, and other support services. It creates grant programs for nonprofits that assist women in carrying pregnancies to term, with restrictions prohibiting these organizations from providing or referring for abortion services. The bill also amends child support laws to allow for child support obligations to begin at conception for unborn children, with payment amounts determined by courts based on the best interests of the mother and child. Additionally, it provides grants for telehealth equipment to improve prenatal and postnatal care access in rural and medically underserved areas.

Maddy summarySRES 201 is a non-binding Senate resolution designating the week of May 4-10, 2025, as "National Small Business Week." It honors small businesses and entrepreneurs across all U.S. communities for their economic contributions, citing that small businesses support over 59 million jobs. The resolution recognizes their resilience and celebrates their role in strengthening local economies. This symbolic gesture, consistent with annual presidential proclamations since 1963, does not create new laws or affect any specific group through policy changes.

Maddy summaryThis resolution designates May 5, 2025, as the "National Day of Awareness for Missing and Murdered Indigenous Women and Girls" to honor victims and support families. It calls on the public to commemorate affected individuals and demonstrates solidarity with their families. The resolution also recommends the Department of Justice commission a new study on the crisis, noting that a previous study (2016) is outdated. As a symbolic gesture, it does not create new laws or funding but aligns with existing efforts like Savanna’s Act.

Maddy summaryThis bill establishes uniform standards for electronic and remote notarizations across state lines. It requires notaries to use communication technology for remote notarizations, verify identities through two methods (like ID checks or witness testimony), and create audio-visual recordings of the process. The law ensures courts and states recognize valid remote notarizations performed under these rules, treating them as equivalent to in-person notarizations. It explicitly preserves state authority over notary practices and does not force notaries to offer remote services.

Maddy summaryThis Senate resolution (SRES 193) designates April 2025 as "Financial Literacy Month" to raise public awareness about the importance of personal financial education and the consequences of financial illiteracy. It does not create new laws or directly affect specific groups; instead, it calls on federal, state, local, school, nonprofit, and business entities to observe the month with educational programs. The resolution cites statistics on unbanked households, student debt, and the benefits of financial education as context, but the only action taken is the symbolic designation. This is a procedural resolution with no binding requirements.

Maddy summaryThis resolution designates April 30, 2025, as "National Assistive Technology Awareness Day" to highlight the importance of assistive technology for people with disabilities and older adults. It directly affects millions of Americans with disabilities (nearly 70 million, per CDC data) and older adults (2 in 5 aged 65+), who rely on such technology for inclusion, education, and employment. The resolution does not create new policies or funding but formally recognizes the role of assistive technology and commends specialists, programs, and researchers supporting its access. It serves as a symbolic gesture to raise public awareness about technology that enables community participation and economic self-sufficiency.

This bill increases the annual limit on the tax credit for qualified railroad track maintenance expenses (also referred to as the short line railroad tax credit) and expands eligibility for claiming the credit. Under current law, the tax credit is limited each tax year to $3,500 multiplied by the sum of the number of miles of railroad track owned or leased by the taxpayer (miles owned or leased) and the number of railroad track miles assigned to the taxpayer by a Class II or III railroad (miles assigned). This bill increases the annual limit to $6,100 multiplied by the sum of miles owned or leased and miles assigned. The $6,100 amount used in the calculation of the tax credit limit is adjusted for inflation for tax years beginning after 2025. The bill also expands eligibility for the tax credit to include gross expenses for maintaining railroad tracks owned or leased as of January 1, 2024. Under current law, the tax credit is limited to gross expenses for maintaining railroad tracks owned or leased as of January 1, 2015.