Congress extends attack insurance program through 2034.
H.R. 7128 — TRIA Program Reauthorization Act of 2026 · Filed by Mike Flood (R-NE) · 4 cosponsors · Introduced Jan 16, 2026 · Passed chamber
Your members of Congress
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What it does
The bill keeps the Terrorism Risk Insurance Program running until 2034. It raises the amount the government will cover from $5 billion to $10 billion. This change starts for attacks after 2029. It speeds up the process for deciding if an attack counts as terrorism. The review takes 90 days, and can be extended to one year. The Secretary must publish notices in the Federal Register. This tells people which incidents are being reviewed.
Who it affects
Insurance companies, people who buy insurance, and the government are affected. People may see clearer and faster decisions about which attacks count as terrorism. Insurance companies will have to cover more money themselves for big attacks after 2029. This could raise insurance costs for people.
One thing to notice
The bill moves more risk from the government to private insurance companies starting in 2029.
From the analysis of the bill text, linked under Primary records below.
Where it stands
4 cosponsors: 3 Democrats, 1 Republicans.
- Jan 16, 2026 — Introduced · Congress.gov: “Introduced in House”
- Jan 16, 2026 — Referred to House Committee on Financial Services and Senate Committee on Banking, Housing, and Urban Affairs · Congress.gov: “Referred to the House Committee on Financial Services”
- Jan 22, 2026 — Markup held in committee · Congress.gov: “Committee Consideration and Mark-up Session Held”
- Jan 22, 2026 — Reported out of committee · Congress.gov: “Ordered to be Reported (Amended) by the Yeas and Nays: 51 - 2”
- Jun 29, 2026 — Passed the House · Congress.gov: “On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required)…”
- Jun 29, 2026 — Floor vote scheduled · Congress.gov: “Mr. Flood moved to suspend the rules and pass the bill, as amended”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
41 groups reported lobbying about this bill. They filed 44 reports from Dec 2025 to Jun 2026.
Those reports show $68,163,073 in lobbying spending. Each report lists about 10 bills. So that money was not all for this bill.
More groups named this bill than 99% of bills with any report.
Mike Flood, who sponsored the bill, received $1,172,756 from PACs for the 2026 election.
- Chamber of Commerce of the U.S.A. — $36,700,000 in 2 reports
- National Association of Realtors — $14,580,000 in 1 report
- American Bankers Association — $3,510,000 in 1 report
- National Multifamily Housing Council Inc — $2,330,000 in 1 report
- American Property Casualty Insurance Association — $2,140,000 in 1 report
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- Terrorism Risk Insurance Program — A federal program that helps pay for insurance losses from attacks.
- Federal Register — An official government publication where laws and notices are printed.
- Secretary — A top official in the government who runs a department.
- lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
- PACs — Groups that collect money and give it to candidates for office.
- sponsored — To sponsor a bill is to introduce it in Congress and put your name on it.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (3,890 characters) on Jul 9, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,522 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 23, 2026 · page rendered 2026-09-21.
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