What This Bill Does · Plain English
Summary · Congress.gov
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.
Vote Breakdown · How Congress voted on HR.7128
House
373-15
PASSED
Independents
373 yea
15 nay
⚠️ 12 members broke with party on this vote
Action Timeline
2026-06-29
Mr. Flood moved to suspend the rules and pass the bill, as amended.
2026-06-29
Motion to reconsider laid on the table Agreed to without objection.
2026-06-29
On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 373 - 15 (Roll no. 229). (text: CR H4273-4274)
2026-06-29
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 373 - 15 (Roll no. 229). (text: CR H4273-4274)
2026-06-29
Considered as unfinished business. (consideration: CR H4302-4303)
2026-06-29
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
2026-06-29
DEBATE - The House proceeded with forty minutes of debate on H.R. 7128.
2026-06-29
Considered under suspension of the rules. (consideration: CR H4273-4279)
2026-03-19
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-561.
2026-03-19
Placed on the Union Calendar, Calendar No. 482.
Frequently Asked Questions
Did HR.7128 pass?
HR.7128 is still alive. Current stage: PASSED_ONE. Pass likelihood: pending.
What does HR.7128 do?
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.
Who sponsored HR.7128?
HR.7128 was sponsored by Mike Flood (R-Nebraska).
Who voted against HR.7128?
12 members broke with their party on this vote.
Full Bill Text
119 HR 7128 RH: TRIA Program Reauthorization Act of 2026 U.S. House of Representatives 2026-03-19 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. IB Union Calendar No. 482 119th CONGRESS 2d Session H. R. 7128 [Report No. 119–561] IN THE HOUSE OF REPRESENTATIVES January 16, 2026 Mr. Flood (for himself and Mr. Garbarino ) introduced the following bill; which was referred to the Committee on Financial Services March 19, 2026 Additional sponsors: Mr. Cleaver , Ms. Velázquez , and Ms. Pressley March 19, 2026 Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed Strike out all after the enacting clause and insert the part printed in italic For text of introduced bill, see copy of bill as introduced on January 16, 2026 A BILL To extend the Terrorism Risk Insurance Program, and for other purposes. 1. Short title This Act may be cited as the TRIA Program Reauthorization Act of 2026 . 2. Extension Section 108(a) of the Terrorism Risk Insurance Act of 2002 ( 15 U.S.C. 6701 note) is amended by striking 2027 and inserting 2034 . 3. Improvements to certification process Section 102(1) of the Terrorism Risk Insurance Act of 2002 ( 15 U.S.C. 6701 note) is amended— (1) in subparagraph (B)— (A) in clause (i), by striking or at the end; (B) in clause (ii), by striking exceed $5,000,000. and inserting: exceed— (I) with respect to an act that occurred in a year before 2029, $5,000,000; and (II) with respect to an act that occurred in 2029, or any year thereafter, $10,000,000; or ; and (C) by adding at the end the following: (iii) the Secretary did not certify such act as an act of terrorism before the expiration of the 90-day period following the publication of a notice in the Federal Register under subparagraph (D)(i). ; and (2) by striking subparagraph (D) and inserting the following: (D) Notice requirements (i) In general The Secretary shall, not later than 30 days after beginning the process of determining whether to certify an act as an act of terrorism, publish a notice in the Federal Register that informs the public that the Secretary is in the process of determining whether to certify the act as an act of terrorism. (ii) Additional notice permitted The Secretary may, as the Secretary determines appropriate, notify the public, through publication in the Federal Register, or otherwise, that an act is not being evaluated by the Secretary to determine whether it should be certified as an act of terrorism. . 4. Technical amendments (a) In general Section 103(e)(7)(E)(i) of the Terrorism Risk Insurance Act of 2002 ( 15 U.S.C. 6701 note) is amended— (1) in subclause (I)— (A) by striking 2022 and inserting 2029 ; and (B) by striking 2024 and inserting 2031 ; (2) in subclause (II)— (A) by striking 2023 and inserting 2030 ; (B) by striking 2029 and inserting 2036 ; and (C) by striking 2024 and inserting 2031 ; and (3) in subclause (III)— (A) by striking 2029 and inserting 2036 ; and (B) by striking 2024 and inserting 2031 . (b) Technical correction The Terrorism Risk Insurance Act of 2002 ( 15 U.S.C. 6701 note) is amended by striking Terrorism Insurance Program each place it appears in text or headings and inserting Terrorism Risk Insurance Program . March 19, 2026 Reported with an amendment, committed to the Committee of the Whole House on the State of the Union, and ordered to be printed
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