Contact Congress about H.R. 2836: FEMA Loan Interest Payment Relief Act

Local governments and electric cooperatives could get FEMA money to cover some disaster loan interest. The bill also lets some past interest from the last nine years qualify, but only with new funding from Congress.

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FEMA Loan Interest Payment Relief Act is a House bill in committee. The latest recorded action: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

Latest action on H.R. 2836: Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.

Who this affects: This bill mainly affects local governments and electric cooperatives that borrow money after disasters. It could also affect states that file FEMA claims for those borrowers. FEMA would have to review loan interest claims and make payments when the claims meet the rules.

Why this matters: Disaster recovery can force small communities and electric cooperatives to borrow before FEMA money arrives. This bill could shift some of those interest costs from local budgets to the federal government. That could ease pressure on local finances, especially after major storms or other disasters. The final cost is unclear because it depends on future funding from Congress and how FEMA applies the rules.

Key provisions in H.R. 2836

• FEMA could repay local governments and electric cooperatives for qualifying interest on some disaster recovery loans.
• A qualifying loan must come from a local government or electric cooperative. At least 90% of the money must pay for work that later gets aid under the Stafford Act, the main federal disaster relief law.
• FEMA would not repay interest above a set cap. It would pay the lower amount: the real interest paid, or interest based on the latest Federal Reserve prime rate.
• The District of Columbia would count as a local government under this part of the law.
• Interest from the nine years before the bill becomes law could qualify if it meets the bill's other rules.

How Modern Action helps you take action on H.R. 2836

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 2836

What is H.R. 2836?

Local governments and electric cooperatives could get FEMA money to cover some disaster loan interest. The bill also lets some past interest from the last nine years qualify, but only with new funding from Congress.

How do I support or oppose H.R. 2836?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 2836?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

Can Modern Action explain H.R. 2836 before I act?

Yes. Modern Action gives you a plain-English summary, current status, and action context before you send anything.