Rose, John W. [R-TN-6]
Republican · TN · 10 bills sponsored
To amend the Riegle Community Development and Regulatory Improvement Act of 1994 to require annual testimony to Congress on the operations of the Community Development Financial Institutions Fund.
# HR 7775 Summary **What the Bill Would Do** HR 7775 would require the Community Development Financial Institutions (CDFI) Fund to provide annual testimony to Congress about how it operates. The CDFI Fund is a federal program that helps provide financing and support to underserved communities through community development financial institutions—organizations that offer banking services, loans, and investments in areas that traditional banks often overlook. **Who It Affects** This bill primarily affects Congress (which would receive regular updates) and the CDFI Fund administrators. Indirectly, it could affect community development financial institutions and the low-income communities they serve, though the bill itself only adds a reporting requirement rather than changing the program's structure or funding. **Current Status** The bill was introduced by Representative John Rose (R-TN) in the 119th Congress and is currently in committee, meaning it has not yet advanced to a full House vote. No significant action has been taken on it.
Housing Supply Expansion Act of 2025
# Housing Supply Expansion Act of 2025 - Summary **What the Bill Would Do** The Housing Supply Expansion Act of 2025 aims to increase the availability of housing across the United States. While specific legislative details aren't publicly available yet, bills with this title typically focus on removing regulatory barriers, streamlining construction processes, or providing incentives to encourage developers to build more homes. The goal is to address housing shortages that have contributed to rising home prices and rental costs in many communities. **Who It Affects** This legislation would impact homebuyers and renters struggling with affordability, real estate developers and construction companies, local and federal government agencies that regulate building, and potentially taxpayers depending on what incentives or programs are included. **Current Status** The bill was introduced by Representative John W. Rose (R-TN) in the 119th Congress and is currently in committee, meaning it's under review and hasn't yet been voted on by the full House. At this stage, the specific provisions of the bill have not been detailed in public records, so the exact mechanisms for expanding housing supply remain unclear.
RESET Act
# RESET Act Summary I don't have access to the specific details of HR 6040 (the RESET Act) from the 119th Congress, so I can't provide you with accurate information about what this particular bill would do, who it affects, or its key provisions. To get this information, I'd recommend: - **Congress.gov** - Search "HR 6040" for the full text, sponsor summary, and status - **Representative Rose's website** - Often includes bill descriptions and rationale - **Ballotpedia or similar nonpartisan sources** - Provide plain-language summaries of bills If you can share the bill's text or a link to it, I'd be happy to summarize it for you in plain language.
Black Vulture Relief Act
# Black Vulture Relief Act Summary **What the Bill Does:** The Black Vulture Relief Act would allow farmers and ranchers to directly kill, capture, or disperse black vultures without obtaining a federal permit, as long as they reasonably believe the birds will harm their livestock. Currently, black vultures are protected under federal law, and farmers must get permission from the U.S. Fish and Wildlife Service before taking action against them. This bill would streamline that process. However, it would still prohibit using poison to kill the birds, and producers would need to report their actions annually to the federal government. **Who It Affects:** This bill primarily affects livestock producers—farmers and ranchers who raise cattle, sheep, and other animals. Black vultures have become an increasing problem in some agricultural regions, particularly in the South, where they attack and kill livestock. The bill could also impact conservation efforts, since black vultures are protected migratory birds under federal law. **Current Status:** The bill was introduced by Representative John W. Rose (R-Tennessee) in the 119th Congress and is currently in committee, meaning it has not yet been voted on by the full House of Representatives.
Homebuyers Privacy Protection Act
# Homebuyers Privacy Protection Act Summary **What It Does:** This bill restricts how credit reporting agencies can share homebuyers' credit information with third parties during mortgage transactions. Under the new law, credit agencies can only provide your credit report to companies involved in your mortgage if: (1) you've given written consent, or (2) the company is directly involved with your mortgage—such as the lender who originated your loan, your current mortgage servicer, or a bank you already have a relationship with. The rules take effect 180 days after the law was signed. **Who It Affects:** The law primarily benefits homebuyers and mortgage applicants by limiting how widely their sensitive financial information can be shared. It also affects credit reporting agencies and mortgage-related businesses, which will need to follow stricter guidelines when accessing credit reports. Lenders and real estate companies involved directly in mortgage transactions can still access reports, so the law doesn't prevent necessary information-sharing for actual loan processing. **Current Status:** The bill has been signed into law and is now in effect.
Bank Loan Privacy Act
# Bank Loan Privacy Act (HR 2885) Summary **What the bill would do:** The Bank Loan Privacy Act would restrict the circumstances under which banks must share customer loan information with government agencies. Currently, banks can be required to disclose details about customer loans during regulatory examinations and investigations. This bill would limit those disclosures, presumably to protect customer privacy and reduce government access to banking records. **Who it affects:** The bill would primarily affect banks and their customers. Banks would face fewer requirements to turn over loan information to federal regulators and law enforcement, while customers might see increased privacy protections regarding their loan details. Government agencies that rely on this information for investigations and oversight would also be impacted. **Current status:** As of now, HR 2885 is in committee and has not advanced to a floor vote. The bill was introduced by Rep. John W. Rose (R-TN) in the 119th Congress. No additional details about specific provisions are currently available in public records. *Note: For more detailed information about this bill's specific provisions and any recent updates, you can visit Congress.gov.*
Court Shopping Deterrence Act
# Court Shopping Deterrence Act - Plain Language Summary **What the Bill Would Do** The Court Shopping Deterrence Act would change where certain federal lawsuits can be filed. "Court shopping" refers to the practice of plaintiffs choosing to file cases in federal courts they believe will be favorable to their legal arguments. This bill aims to restrict that ability by modifying rules about jurisdiction and venue—essentially limiting which courts can hear particular cases. The exact mechanisms aren't detailed in this brief summary, but the bill focuses on federal district courts and the judicial review process. **Who It Affects and Current Status** This bill would affect plaintiffs filing federal lawsuits, defendants being sued, and potentially the federal court system's workload distribution. It could impact civil litigation across various areas of law. As of now, the bill is in committee, meaning it's still in the early stages of the legislative process and hasn't been voted on by the full House. It was introduced by Rep. John W. Rose (R-TN). **Note:** To understand the specific provisions and how they would work, you would need to review the full bill text, as the key details of the proposed changes aren't available in this summary.
Safe Access to Cash Act of 2025
# Safe Access to Cash Act of 2025 Summary **What It Does:** This bill would clarify that forcing someone to withdraw money from an ATM counts as federal bank robbery. Currently, federal courts disagree on whether this crime falls under federal law—some courts say it does, others say it doesn't because the money technically belongs to the customer at the moment of withdrawal, not the bank. This bill would settle that dispute by explicitly making ATM-related robbery a federal crime. **Who It Affects:** The bill would primarily affect criminals who commit ATM robberies, making their crimes prosecutable in federal court (rather than just state court) and potentially subject to harsher federal penalties. It would also clarify the law for law enforcement, prosecutors, and judges dealing with these cases. **Key Provision:** The main provision extends the existing federal bank robbery statute to specifically include robbery involving ATMs and forced cash withdrawals, closing the legal loophole that currently allows some courts to exclude these crimes from federal jurisdiction. **Current Status:** The bill is in committee and has not yet been voted on by the full House of Representatives.
Payment Choice Act of 2025
# Payment Choice Act of 2025 - Plain Language Summary **What the bill would do:** This proposed law would require retail businesses to accept cash payments for purchases of $500 or less and prohibit them from charging cash customers more than customers who pay by credit card or other methods. The bill would apply to any physical retail store that currently accepts in-person payments. If a business refuses cash or charges extra for paying with cash, customers could take legal action to stop the practice and seek damages or civil penalties. **Who it affects:** The bill primarily impacts retail businesses with physical locations (stores, restaurants, etc.) and their customers. It would prevent businesses from going "cashless only," which some companies have started doing in recent years. The law includes a workaround allowing stores to offer on-site prepaid cards with no fees as an alternative payment method. **Current status:** The bill was introduced by Representative John W. Rose (R-TN) in the 119th Congress and is currently in committee, meaning it hasn't yet been debated or voted on by the full House of Representatives.
Bank Privacy Reform Act
# Bank Privacy Reform Act Summary **What the Bill Would Do** The Bank Privacy Reform Act would change how financial institutions report customer information to government agencies. Currently, banks must report large transactions (like transfers over $10,000) to authorities to help detect illegal activities such as money laundering and terrorist financing. This bill would eliminate those automatic reporting requirements and instead require the government to obtain a search warrant before accessing such records. The bill would also remove requirements for banks to report information about who actually owns certain corporations. **Who It Affects and Current Status** This bill would affect banks and financial institutions (which would no longer have certain reporting obligations), government law enforcement agencies (which would need warrants to access transaction data), and potentially anyone using financial services. The bill is currently in committee, meaning it has been introduced but has not yet been debated or voted on by the full House of Representatives. As a result, it has not become law.