119:hr:7128 — TRIA Program Reauthorization Act of 2026

Sponsor

Introduced by

Mike Flood

R Republican · House · NE-01 R+6

Chairman · Housing and Insurance (sub)

Latest action

Placed on the Union Calendar, Calendar No. 482.

Action timeline

Every recorded action on this bill, newest first. Stage badges color-code the legislative path.

Mar 19, 2026

committee Reported (Amended) by the Committee on Financial Services. H. Rept. 119-561.

Financial Services Committee

Mar 19, 2026

other Placed on the Union Calendar, Calendar No. 482.

Jan 22, 2026

committee Committee Consideration and Mark-up Session Held

Financial Services Committee

Jan 22, 2026

committee Ordered to be Reported (Amended) by the Yeas and Nays: 51 - 2.

Financial Services Committee

Jan 16, 2026

introduced Introduced in House

Text versions

Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.

Mar 19, 2026 Reported in House

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Jan 16, 2026 Introduced in House

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CRS summaries

Plain-English summaries written by the Congressional Research Service — neutral, nonpartisan staff who summarize bills as they advance through stages. The authoritative description of what each version of the bill does.

07 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.

via Congressional Research Service · published through congress.gov

Changelog

ⓘ

How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.

`ih` / `is` — Introduced in House / Senate. First filed version.

`rfh` / `rfs` — Referred to a committee for review.

`rh` / `rs` — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).

`pcs` / `pch` — Placed on Calendar for floor consideration.

`eh` / `es` — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.

`rdh` / `rds` — Received by the other chamber.

`eah` / `eas` — Engrossed Amendment. The other chamber passed an amended version.

`ath` / `ats` — Agreed to. Both chambers settled on the same text.

`enr` — Enrolled. Final reconciled text, sent to the President.

`pl` — Public Law. Signed by the President. It's now law.

`pp` — Public Print. Official printing post-enactment.

Most bills die before `eh`/`es`. Going from `pcs` → `enr` is the full path through both chambers.

Line-level diff between text versions of this bill — what actually changed at each legislative stage.

+53 −10 37 unchanged

--- Introduced (House)

+++ Reported (House)

@@ -1,11 +1,14 @@

[From the U.S. Government Publishing Office]

-[H.R. 7128 Introduced in House (IH)]

+[H.R. 7128 Reported in House (RH)]

<DOC>

+Union Calendar No. 482

119th CONGRESS

2d Session

H. R. 7128

+

+[Report No. 119-561]

To extend the Terrorism Risk Insurance Program, and for other purposes.

@@ -17,6 +20,19 @@

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. Velazquez, 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]

_______________________________________________________________________

@@ -44,8 +60,14 @@

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 ``$5,000,000.'' and

-inserting ``$25,000,000; or''; and

+(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

@@ -61,7 +83,7 @@

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 an act as an act of

+whether to certify the act as an act of

terrorism.

``(ii) Additional notice permitted.--The

Secretary may, as the Secretary determines

@@ -71,7 +93,7 @@

by the Secretary to determine whether it should

be certified as an act of terrorism.''.

-SEC. 5. TECHNICAL AMENDMENTS.

+SEC. 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--

@@ -89,8 +111,29 @@

(A) by striking ``2029'' and inserting ``2036'';

and

(B) by striking ``2024'' and inserting ``2031''.

-(b) Clarification.--The Terrorism Risk Insurance Act of 2002 (15

-U.S.C. 6701 note) is amended by striking ``Terrorism Insurance

-Program'' each place it appears and inserting ``Terrorism Risk

-Insurance Program''.

-<all>

+(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''.

+Union Calendar No. 482

+

+119th CONGRESS

+

+2d Session

+

+H. R. 7128

+

+[Report No. 119-561]

+

+_______________________________________________________________________

+

+A BILL

+

+To extend the Terrorism Risk Insurance Program, and for other purposes.

+

+_______________________________________________________________________

+

+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

Lobbying activity

Organizations whose LDA filings reference this bill, ranked by filing count. Position not disclosed — LDA does not require lobbyists to report support / oppose / monitor. Bill-number references can be stale (lobbyists sometimes copy text year-over-year), so verify against the filing description.

BUILDING OWNERS AND MANAGERS ASSOCIATION INTERNATIONAL

BAN

2

filings · 2026 Q4

AON CORPORATION

INS

1

filings · 2026 Q1

NATIONAL ASSOCIATION OF REALTORS

INS

1

filings · 2026 Q1

NATIONWIDE MUTUAL INSURANCE COMPANY

INS

1

filings · 2026 Q1

LLOYD'S OF LONDON

INS

1

filings · 2026 Q1

NATIONAL MULTIFAMILY HOUSING COUNCIL INC

INS

1

filings · 2026 Q1

INTERNATIONAL FRANCHISE ASSOCIATION

FIN

1

filings · 2026 Q1

CHAMBER OF COMMERCE OF THE U.S.A.

FIN

1

filings · 2026 Q1

HARTFORD INSURANCE GROUP (FKA HARTFORD FINANCIAL SERVICES GROUP)

INS

1

filings · 2026 Q1

AON SERVICE CORPORATION

INS

1

filings · 2026 Q1

via Senate LDA · self-reported quarterly. Filing count = filings mentioning this bill (no position required), not money spent on it. Click a client to see all bills they've filed on.

Cosponsors (4)

Members who signed on to support this bill.