Zachary Nunn

Insurance Data Protection Act

This bill limits the ability of federal entities to compel insurance companies to share information.

Specifically, the bill eliminates the subpoena power of the Federal Insurance Office. Under current law, the office has the power to subpoena information from insurers to, among other purposes, identify issues that could contribute to a systemic crisis in the insurance industry or the U.S. financial system.

The bill also eliminates the ability of the Office of Financial Research to subpoena insurance companies.

When seeking to collect insurance company data under specified consumer protection laws, a financial regulator must obtain the data from other regulators or from publicly available sources if possible. Otherwise, the financial regulator may only collect this data directly from the insurance company if the regulator complies with the Paperwork Reduction Act.

Pathways to Policing Act

This bill authorizes the Office of Community Oriented Policing Services within the Department of Justice to award grants to states, local governments, and law enforcement agencies to support recruitment of law enforcement officers. In particular, these grants may be used for (1) marketing and recruitment campaigns to encourage candidates to seek careers in law enforcement; and (2) developing, operating, or expanding Pathways to Policing programs (e.g., programs that facilitate entry into full-time law enforcement positions for certain candidates).

Replacing Essential Passports and Licenses After Certain Emergencies Act or the REPLACE Act

This bill automatically waives the fees to replace certain federal documents (e.g., passports, visas, or immigration documents) destroyed by a major disaster.

Under current law, the Department of State and U.S. Citizenship and Immigration Services (USCIS) may waive replacement fees for these critical documents for individuals or households adversely affected by a major disaster. The bill requires the State Department and USCIS to waive these replacement fees when the documents are destroyed by a major disaster for which assistance is provided under the Federal Emergency Management Agency’s Individuals and Households Program. The agencies must notify the public of the availability of these waivers on their respective websites.

The bill also requires the State Department and USCIS to annually report to Congress the number of such fee waivers granted and the resulting cost to the respective agencies.

This concurrent resolution recognizes and appreciates local law enforcement officers, extends gratitude to local law enforcement officers and their families, honors local law enforcement officers who have fallen in the line of duty, and encourages continued collaboration between local law enforcement agencies and the communities they serve.

Personal Health Investment Today Act of 2025 or the PHIT Act of 2025

This bill allows a federal tax deduction of up to $1,000 ($2,000 for married individuals who file a joint federal tax return or a head of a household) for qualified sports and fitness expenses. (Conditions apply.)

Under current law, an individual may deduct unreimbursed expenses paid for medical care for themselves, their spouse, or a qualified dependent to the extent that such expenses exceed 7.5% of adjusted gross income.

Under the bill, the definition of medical care (for purposes of the tax deduction) is expanded to include qualified sports and fitness expenses. The bill defines qualified sports and fitness expenses as amounts paid exclusively for the sole purpose of participating in a physical activity, including

• fitness facility memberships,

• participation or instruction in physical exercise or activity, or

• equipment for a physical exercise or activity program.

Understanding Cybersecurity of Mobile Networks Act

This bill requires the National Telecommunications and Information Administration to examine and report on the cybersecurity of mobile service networks and the vulnerability of these networks and mobile devices to cyberattacks and surveillance conducted by adversaries.

The report must include, among other items, (1) an assessment of the degree to which mobile service providers have addressed certain cybersecurity vulnerabilities; (2) a discussion of the degree to which these providers have implemented cybersecurity best practices and risk assessment frameworks; and (3) an estimate of the prevalence and efficacy of encryption and authentication algorithms and techniques.

Medicaid Primary Care Improvement Act

This bill specifies that state Medicaid programs are authorized to provide primary care services through direct primary care arrangements (i.e., arrangements in which primary care providers receive a fixed periodic fee for their services).

The Centers for Medicare & Medicaid Services must (1) convene at least one virtual stakeholder meeting and issue related guidance on how state Medicaid programs may implement direct primary care arrangements, and (2) report on the extent to which state Medicaid programs contract with independent providers and on the quality and cost of care under direct primary care arrangements that are offered through Medicaid managed care organizations.

Metastatic Breast Cancer Access to Care Act

This bill expedites payment of Social Security Disability Insurance (SSDI) benefits and eligibility for Medicare coverage for those with metastatic breast cancer (i.e., breast cancer that has spread to other sites in the body).

Specifically, the bill eliminates the 5-month waiting period for SSDI benefits and the subsequent 24-month waiting period for Medicare coverage for individuals with metastatic breast cancer. Under current law, individuals generally must wait 5 months after the onset of disability to begin receiving SSDI benefits and an additional 24 months to become eligible for Medicare.

Water Conservation Rebate Tax Parity Act

This bill excludes from gross income (for federal tax purposes) certain subsidies for the purchase or installation of measures to conserve water or manage stormwater or wastewater.

Under current law, subsidies received from public utilities for the purchase or installation of measures to reduce electricity or natural gas consumption or improve the management of energy demand in a dwelling are not included in gross income and, therefore, not subject to federal income tax.

Under the bill, the exclusion from gross income for such subsidies is expanded to include subsidies provided (directly or indirectly) after 2021

• by a public utility to a customer or by a state or local government to a resident for the purchase or installation of measures that evaluate water use, reduce water consumption, or improve water management in one or more dwelling units;

• by a stormwater management company to a customer or by a state or local government to a resident for the purchase or installation of measures to reduce or manage stormwater, including measures to improve or reduce the impact of flooding caused by stormwater, for one or more dwelling units; or

• by a state or local government to a resident for the purchase or installation of measures that manage wastewater, including septic tanks and cesspools, with respect to a principal residence.

Homes for Every Local Protector, Educator, and Responder Act of 2025 or the HELPER Act of 2025

This bill establishes a program administered by the Department of Housing and Urban Development to provide mortgage assistance to law enforcement officers, elementary and secondary school teachers, firefighters, or other first responders. Specifically, these individuals may be eligible for a first-time mortgage on a primary family residence with no down payment. Instead, the mortgage is subject to a one-time, up-front mortgage insurance premium.

Preventing Deep Fake Scams Act

This bill establishes the Task Force on Artificial Intelligence in the Financial Services Sector. Members include representatives from the Department of the Treasury, the Federal Reserve Board, the Federal Deposit Insurance Corporation, and the National Credit Union Administration. The task force must report on (1) how banks and credit unions prevent fraud that utilizes artificial intelligence, (2) best practices for financial institutions to protect their customers, and (3) related legislative and regulatory recommendations.

Veterans Claims Education Act of 2025

This bill requires the Department of Veterans Affairs (VA) to, upon receipt of an initial claim for benefits from a claimant that is not represented by an accredited person (i.e., a veterans service organization, attorney, or agent recognized by the VA), provide (1) notice that an accredited person may assist the claimant, (2) notice that a veterans service organization may represent the claimant for free, (3) information regarding a search tool to find an accredited person to assist in the filing of claims, and (4) information on how and where to report a person who is not accredited and charged a fee to assist with a claim.

In its web portal, the VA must provide a warning regarding fees an agent or attorney may charge for assistance in filing benefits claims. (Under current law, fees are generally prohibited for filing an initial claim.)

This concurrent resolution temporarily establishes a bipartisan and bicameral Task Force on the Legislative Process. The task force must analyze and report on ways to expedite the consideration of legislation that passed in its originating chamber with wide and bipartisan support.

The task force must submit a final report of its recommendations within one year of the passage of this concurrent resolution. Congress must make the report publicly available.

The task force terminates upon the submission of the report.

Crop Insurance for Future Farmers Act

This bill amends the federal crop insurance program (FCIP) to increase the premium assistance rate for beginning and veteran farmers or ranchers. (FCIP offers subsidized crop insurance policies that producers can purchase to cover a wide variety of crops and livestock.)

Specifically, the bill amends the amount of percentage points that are added to the premium assistance rate for beginning farmers or ranchers and veteran farmers or ranchers for an applicable insurance policy or plan (currently 10 percentage points) to provide

• 15 percentage points in each of the 1st and 2nd reinsurance years,

• 13 percentage points in the 3rd year,

• 11 percentage points in the 4th year, and

• 10 percentage points in each of the 5th through the 10th reinsurance years.

Under the bill, farmers and ranchers, and veteran farmers and ranchers, are eligible to qualify for the program for 10 years, an increase from 5 years under current law. Specifically, to be considered a beginning farmer or rancher, a person must not have actively operated and managed a farm or ranch for more than 10 crop years. To be considered a veteran farmer or rancher, a veteran must have (1) not operated a farm or ranch for more than 10 crop years, or (2) first obtained veteran status in the past 10 years.