Congress extends attack protection plan to 2034.
S. 4395 — Terrorism Risk Insurance Program Reauthorization Act of 2026 · Filed by Dave McCormick (R-PA) · 40 cosponsors · Introduced Apr 27, 2026 · Reported out
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What it does
This bill keeps the Terrorism Risk Insurance Program running seven more years, until 2034. The program makes companies pay for losses from attacks up to a set amount. The state then pays the rest. The bill delays when companies can charge buyers extra fees. These fees help companies pay back attack claim costs.
Who it affects
People who buy attack protection get lower costs right now. Companies must cover attack losses but wait longer to collect extra fees. Big building owners pay less for attack protection.
One thing to notice
The bill pushes back when companies collect extra fees from buyers. Higher fees may all come due at once in later years.
From the analysis of the bill text, linked under Primary records below.
Where it stands
40 cosponsors: 20 Republicans, 19 Democrats, 1 Independents.
- Apr 27, 2026 — Introduced · Congress.gov: “Introduced in Senate”
- Apr 27, 2026 — Referred to Senate Committee on Banking, Housing, and Urban Affairs · Congress.gov: “Read twice and referred to the Committee on Banking, Housing, and Urban Affairs”
- Sep 17, 2026 — Reported out of committee · Congress.gov: “Committee on Banking, Housing, and Urban Affairs. Ordered to be reported without amendment favorably”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
21 groups reported lobbying about this bill. They filed 22 reports from Jun 2026 to Jun 2026.
Those reports show $6,570,000 in lobbying spending. Each report lists about 5 bills. So that money was not all for this bill.
More groups named this bill than 97% of bills with any report.
Dave McCormick, who sponsored the bill, received $684,750 from PACs for the 2026 election.
- National Multifamily Housing Council Inc — $2,330,000 in 1 report
- Mortgage Bankers Association — $1,220,000 in 1 report
- Reinsurance Assn of America — $710,000 in 2 reports
- Nationwide Mutual Insurance Company — $640,000 in 1 report
- Marriott International Inc — $400,000 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 state program that makes companies cover losses from attack events.
- 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 (782 characters) on May 21, 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 Jun 2026 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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