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House Bill 7128
119th Congress(2025-2026)
TRIA Program Reauthorization Act of 2026
Introduced
Introduced
Introduced in House on Jan 16, 2026
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H. R. 7128 (Introduced-in-House)


119th CONGRESS
2d Session
H. R. 7128


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

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 “$5,000,000.” and inserting “$25,000,000; 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 an 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. 5. 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) 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”.