TRIA Program Reauthorization Act of 2026

Mike Flood

Republican · NE · Representative

Source: Congress.gov · FEC

• Andrew R. Garbarino (R-NY-2)Original· 2026-01-16
• Ayanna Pressley (D-MA-7)· 2026-01-22
• Emanuel Cleaver (D-MO-5)· 2026-01-22
• Nydia M. Velázquez (D-NY-7)· 2026-01-22

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

2026-07-13

Source: 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.

Plain-English rewrite of the Congressional Research Service summary published on Congress.gov. Cached and reviewed.

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [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. _______________________________________________________________________ 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. 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] _______________________________________________________________________ A BILL To extend the Terrorism Risk Insurance Program, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``TRIA Program Reauthorization Act of 2026''. SEC. 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''. SEC. 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.''. 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-- (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''. 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

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