Rep. Scott Fitzgerald

Maddy summaryThe CLEAR Forms Act directs the Securities and Exchange Commission to create new registration forms for specific insurance products, including contingent deferred annuities and registered index-linked life insurance. The bill requires the agency to design these forms so that purchasers can make informed decisions, mandating investor testing to ensure the language is understandable for these complex financial instruments. If the SEC fails to finalize the rules within 30 months of enactment, insurers would be permitted to register these products using existing forms currently used for variable annuities and life insurance.

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 PROTECT USA Act of 2026 prohibits U.S. companies from complying with foreign sustainability laws, such as the European Union's Corporate Sustainability Due Diligence Directive, to protect American businesses from extraterritorial regulations. This law defines "entities integral to the national interests of the United States" as domestic corporations operating in key sectors like energy, mining, and manufacturing, and it bans these companies from taking actions required by foreign due diligence rules unless they face specific hardships. The bill includes a process where the President can grant exemptions if a company demonstrates that compliance would cause particular hardship, while also protecting these entities from legal penalties or adverse actions taken by foreign governments for non-compliance. Additionally, the Act prevents U.S. courts from recognizing judgments against American companies based on violations of these foreign sustainability regulations.

Maddy summaryThis bill, the "American Lending Fairness Act of 2026," makes changes to federal laws governing interest rates charged by financial institutions, primarily impacting how state-chartered banks and credit unions operate across state lines. It repeals a current federal law (Section 525 of the Depository Institutions Deregulation and Monetary Control Act of 1980) that has allowed states

Maddy summaryThis bill would require Medicare to cover early detection screening tests for Alzheimer's disease and related dementias starting January 1, 2028. It defines eligible tests as FDA-cleared genomic blood tests, blood product analyses, or equivalent medical imaging methods (like protein expression or whole genome sequencing) that detect pre-symptomatic or early-stage conditions. Medicare beneficiaries would receive this coverage without cost-sharing for these specific screenings. The bill amends Medicare coverage rules to explicitly include these tests under Section 1861(nnn) of the Social Security Act.

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 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.

Maddy summaryThis bill requires all new passenger vehicles manufactured for sale in the U.S. to include AM radio as standard equipment (not an optional add-on) by 2027-2028, depending on manufacturer size. It mandates that AM radio receivers must be easily accessible to drivers and allows compliance through digital AM broadcast technology. During a transition period, manufacturers must clearly label vehicles without AM radio but cannot charge extra for this feature. The bill also mandates a GAO study on AM radio's role in emergency alerts and includes a 10-year sunset provision for the rule. It preempts state laws regarding AM radio access in vehicles.

Maddy summaryThe Judicial Conduct and Disability Reform Act of 2026 amends federal law to limit the duration of judicial suspension orders and create new avenues for oversight and review. It restricts suspensions to a maximum of two years, after which a judicial council must either end the proceeding, request that the judge retire without meeting standard age or service requirements, or refer the case to the Judicial Conference. The bill also allows the Chief Justice to transfer misconduct complaints involving circuit judges to a different federal circuit to help ensure impartiality and maintain public confidence in the process. Additionally, it grants courts of appeals limited jurisdiction to review suspension orders that exceed one year, while requiring judicial councils to notify congressional committees when they take specific actions against judges.

Maddy summaryThe NDO Fairness Act modifies federal law to establish a new court order process allowing law enforcement to delay notifying individuals when seeking electronic communications data (like emails or messages) under existing warrants or subpoenas. Courts must issue written findings showing specific, serious risks (such as endangering safety or destroying evidence) and limit delays to 90 days (or up to one year for child exploitation cases), with strict requirements for narrow tailoring. The bill mandates annual reports to Congress tracking usage, including how often delays are granted and whether they affect media or First Amendment activities. After delays expire, individuals can request copies of disclosed information within 180 days, though sensitive materials like child exploitation evidence may be redacted.