# 119-hr-7128: TRIA Program Reauthorization Act of 2026

119-hr-7128, TRIA Program Reauthorization Act of 2026, is a 119th Congress bill sponsored by Rep. Flood, Mike [R-NE-1] (R-NE); status passed_house; PRIA reads it as touching household money (as of 2026-09-25).

- Canonical: https://policyrisk.com/legislation/119-hr-7128
- As of: 2026-09-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-7128
- Congress: 119
- Title: TRIA Program Reauthorization Act of 2026
- Status: passed_house
- Introduced: 2026-01-16
- Sponsor: Rep. Flood, Mike [R-NE-1] (R-NE)
- Cosponsors: 4
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-25

## Summary

**Extends the Terrorism Risk Insurance Program through 2034**. It also rewrites how the federal government decides which violent acts trigger that backstop by tightening deadlines, notice rules, and certification thresholds. - Insurers and reinsurers gain an extended federal backstop through 2034 that keeps a government guarantee available for certified terrorist losses. - Businesses and policyholders get clearer rules about when federal help kicks in because certification must have public notice within 30 days and a general 90-day review window, with extensions up to 365 days if more information is needed. - The certification test changes the damage trigger. Acts before 2029 keep a $5 million threshold. Acts in 2029 or later use a $10 million threshold. The text also makes final determinations for certified acts irrevocable and lists the Secretary's missed deadlines as a factor to consider.

## Cosponsors (4)

- Rep. Garbarino, Andrew R. [R-NY-2] (R-NY), 2026-01-16T00:00:00.000Z
- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2026-01-22T00:00:00.000Z
- Rep. Velázquez, Nydia M. [D-NY-7] (D-NY), 2026-01-22T00:00:00.000Z
- Rep. Pressley, Ayanna [D-MA-7] (D-MA), 2026-01-22T00:00:00.000Z

## Votes

| Date | Chamber | Question | Result | Yea | Nay |
| --- | --- | --- | --- | --- | --- |
| 2026-06-29T00:00:00.000Z | house | On Motion to Suspend the Rules and Pass, as Amended | Passed | 373 | 15 |

## Provisions PRIA read

- Terrorism insurance backstop extended to 2034: benefit, medium. This bill would keep the federal terrorism insurance backstop in place through 2034. The change would take effect on enactment. It would also update year references in program rules so timing stays aligned. Businesses and property owners would have federal support for insured terrorism losses throu…
- Faster reviews, higher loss threshold: mixed, medium. This bill would change how Treasury certifies acts of terrorism for insurance. The Secretary would publish a notice within 30 days of starting a review and would finish in 90 days, unless extended. If facts are lacking, the review would be extended, but no later than 365 days after the damage date,…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-2048: Metastatic Breast Cancer Access to Care Act
- 119-hr-3816: Weather Act Reauthorization Act of 2025
- 119-hr-1993: 25th Anniversary of 9/11 Commemorative Coin Act
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act

## Sources
- [119-hr-7128 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/7128)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-2048: Metastatic Breast Cancer Access to Care Act](https://policyrisk.com/legislation/119-hr-2048)
- [119-hr-3816: Weather Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-hr-3816)
- [119-hr-1993: 25th Anniversary of 9/11 Commemorative Coin Act](https://policyrisk.com/legislation/119-hr-1993)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-7128 (as of 2026-09-25).