Sen. Ron Wyden

Maddy summaryThe Predatory Lending Elimination Act applies military lending protections to all consumers, not just military members, by setting strict interest rate limits on personal loans and credit cards. It prohibits lenders from charging excessive rates on most consumer credit (except residential mortgages, auto loans for vehicle purchases, and federal credit union loans) and bans exemptions that would weaken these caps. The law preserves stronger state consumer protections and allows state attorneys general to enforce violations within three years. It requires the Consumer Financial Protection Bureau to issue rules within one year to implement these rate limits and ensure consistency with existing military lending standards.

Maddy summaryThe Mental Health Career Promotion Act (S 3783) creates a federal grant program to help schools and community colleges connect students with mental health career opportunities. It provides $50 million annually (2026-2030) for partnerships between schools, community colleges, and mental health providers to offer students career exposure through presentations, internships, mentorships, and shadowing. The program targets high school students (grades 9-12) and community college students, requiring activities to be culturally and linguistically appropriate. Grants must support concrete career pathways in mental health fields, including roles like counselors, social workers, and peer specialists, with annual reporting on program effectiveness.

Maddy summarySRES 596 is a non-binding Senate resolution designating February 2-6, 2026, as "National School Counseling Week." It directly recognizes school counselors and their role in supporting students' academic, social, emotional, and career development. The resolution encourages public awareness through ceremonies and activities to highlight counselors' contributions, addressing their critical but often underfunded role (with a national student-to-counselor ratio of 376:1). It does not create new programs or alter funding but formally acknowledges counselors' work in schools.

Maddy summaryThe ICE Out of Our Faces Act prohibits U.S. Immigration and Customs Enforcement (ICE) and U.S. Customs and Border Protection (CBP) officers from using facial recognition, voice recognition, or other biometric surveillance technology for immigration enforcement. It directly affects ICE, CBP, and 287(g) deputized officers by banning their acquisition, possession, or use of such technology in the U.S. The bill requires immediate deletion of all existing biometric data collected by these officers within 30 days and makes evidence obtained in violation inadmissible in court. Violations could lead to lawsuits by affected individuals or state attorneys general, with possible damages, penalties, or injunctive relief.

Maddy summaryThe Stop Underrides Act 2.0 requires new safety standards for side underride guards on commercial trucks and trailers to prevent passenger vehicles from sliding under them during collisions. The bill mandates that the Secretary of Transportation finalize regulations requiring these guards within 18 months, with full compliance required within two years. The regulations must meet specific performance standards to prevent intrusion into passenger vehicle occupant space during side collisions at speeds up to 40 mph. This law directly affects commercial truck manufacturers, trucking companies, and all road users, particularly vulnerable road users like cyclists and pedestrians who are at higher risk in underride crashes. The bill also establishes a public website for underride crash resources and requires studies to better understand and prevent these crashes.

Maddy summaryThe Preserving Homes and Communities Act of 2026 establishes requirements for selling non-performing single-family mortgage loans insured by the Federal Housing Administration (FHA) and held by Fannie Mae and Freddie Mac. The bill mandates that loss mitigation options be exhausted before sale, requires 90 days written notice to borrowers, and prioritizes government, nonprofit, and Tribal organizations for purchasing these loans. It requires 75% of properties acquired through foreclosure to be sold to owner-occupants, donated to nonprofits, or rented at affordable rates (not exceeding 30% of income) to tenants earning no more than 100% of area median income for a 10-year period. The bill also mandates detailed data reporting on loan sales and performance, including demographic information to monitor fair lending practices.

This resolution supports the designation of 2026 as the International Year of the Woman Farmer and recognizes the critical role of women in agriculture. The resolution also encourages citizens to celebrate the impact these women have on the food systems and agricultural workforce of the United States by encouraging and empowering women to pursue careers in agriculture and cultivate leadership opportunities.

Maddy summaryThis bill prohibits the use of images of living current or former elected officials or other political figures on the America the Beautiful - the National Parks and Federal Recreational Lands Pass. It directly affects the National Park Service and pass designers, who create the annual entrance pass used by visitors to federal recreational lands. The key provision amends existing law to explicitly ban such political imagery on the pass, ensuring the design remains neutral and focused on park landscapes rather than political figures.

Maddy summaryThis bill creates a legal pathway for individuals harmed by ICE or CBP officers to sue the U.S. government directly for constitutional violations. It amends the Federal Tort Claims Act to allow victims to seek monetary damages for deprivations of rights under the Constitution, including due process violations, racial profiling, unreasonable searches, or privacy rights infringements, regardless of whether the violation stemmed from official policy. The government would be liable for these damages, funded from specific appropriations (like those for border security), and the bill waives sovereign immunity for such cases. This directly affects people subjected to unlawful immigration enforcement actions by ICE or CBP officers, providing them a new civil remedy against the government.

Maddy summaryThe REAL Health Providers Act (S 3750) requires Medicare Advantage plans to maintain accurate, up-to-date provider directories for beneficiaries, starting in 2028. Plans must verify provider information at least every 90 days (or annually for hospitals), remove outdated listings within 5 business days, and indicate when information may be inaccurate. If a beneficiary is treated by a provider listed in the directory but not in the network, the plan must cover costs as if the provider were in-network. Annual accuracy reports will be submitted by plans and publicly posted by the government starting in 2029.