H.R. 7128 · Where this bill is now
In the Senate
Passed the House Jun 29, 2026. Received Jul 13, 2026; no Senate vote yet
What this bill does
In plain words · AI-written from the official summaryExtends terrorism insurance program through 2034
The federal government helps private insurance companies cover losses when terrorism causes property damage. This bill keeps that program running through 2034, raises the amount of losses required to trigger the program starting in 2029, and gives the Treasury Department authority to notify the public about how it decides whether an event counts as terrorism.
How it affects you
This affects property and casualty insurance customers—like homeowners and business owners—because it shapes how insurance companies handle terrorism-related claims. Most people won't notice a direct change, but the reauthorization keeps the insurance system stable for handling catastrophic terrorism events.
Read the official summary (Reported to House, Mar 19, 2026)
TRIA Program Reauthorization Act of 2026
This bill reauthorizes the Terrorism Risk Insurance Program through 2034. The program covers a portion of the losses incurred by private insurers for property and casualty insurance coverage for terrorism risk.
The bill also increases the amount of property and casualty insurance losses required for certification under the program beginning in 2029 and provides statutory authority for Department of the Treasury public notification requirements regarding the determination process for whether an act qualifies as an act of terrorism under this program.
Written by AI (Claude) using only the official summary by the Congressional Research Service, the Library of Congress’s nonpartisan research staff. It can miss nuance, so check the official summary and the bill text for details.
2nd SessionH. R. 7128
AN ACT
TRIA Program Reauthorization Act of 2026
Sponsor: Rep. Mike Flood (R-NE-1) · Introduced Jan 16, 2026 · Finance and Financial Sector · 4 versions of the text
Sources: Congress.gov actions and votes · bill text from GovInfo · latest official action Jul 13, 2026: “Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.”
How Congress voted
Official roll callsHouse · On Motion to Suspend the Rules and Pass, as Amended · Jun 29, 2026
Motion to Suspend the Rules and Pass, as Amended Passed 373–15
| Party | Yes | No | Didn’t vote |
|---|---|---|---|
| Democrats | 191 | 0 | 21 |
| Independents | 1 | 0 | 0 |
| Republicans | 181 | 15 | 22 |
15 members voted against most of their party: 15 Republicans voted No.
Congress votes on whole bills and amendments, not on single sections.