Contact Congress about H.R. 7128: TRIA Program Reauthorization Act of 2026

Businesses and insurers would keep access to a federal backup for major terrorism losses through 2034. Starting in 2029, smaller attacks under $10 million in insured losses would not qualify.

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TRIA Program Reauthorization Act of 2026 is a House bill passed by the House. The latest recorded action: Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 373 - 15 (Roll no. 229). (text: CR H4273-4274).

Latest action on H.R. 7128: Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 373 - 15 (Roll no. 229). (text: CR H4273-4274)

Who this affects: This bill mainly affects insurance companies and businesses that buy terrorism insurance. It also matters for lenders and property owners who need coverage for large buildings or high-value sites. The U.S. Treasury would have to follow new public notice and deadline rules when reviewing attacks for program coverage.

Why this matters: This bill matters because terrorism insurance can be hard to price without a federal backup for very large attacks. Extending the program could help keep coverage available for businesses and major properties. Raising the loss minimum in 2029 could leave some smaller attacks outside the federal safety net. The new notice and deadline rules could make certification faster and clearer, but they could also make the 90-day cutoff important in hard cases.

Key provisions in H.R. 7128

• The Terrorism Risk Insurance Program would last until 2034. It is now set to end in 2027.
• The $5 million insured-loss minimum would stay in place through 2028. An event must meet that amount before it can be certified under the program.
• Starting in 2029, the insured-loss minimum would rise to $10 million. That higher amount would apply when deciding if an event can be certified under the program.
• The Treasury Secretary would have to publish a public Federal Register notice within 30 days after starting a review. The review decides whether an event should count as terrorism under the program.
• Treasury would have 90 days after that notice to certify the event. If it does not, the event would not count as certified terrorism for this program.

How Modern Action helps you take action on H.R. 7128

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. 7128

What is H.R. 7128?

Businesses and insurers would keep access to a federal backup for major terrorism losses through 2034. Starting in 2029, smaller attacks under $10 million in insured losses would not qualify.

How do I support or oppose H.R. 7128?

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. 7128?

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. 7128 before I act?

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