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    <number>2142</number>
    <updateDate>2026-01-09T22:28:57Z</updateDate>
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    <congress>118</congress>
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        <title>National Flood Insurance Program Consultant Accountability Act of 2023</title>
        <congress>118</congress>
        <number>1039</number>
        <type>S</type>
        <latestAction>
          <actionDate>2023-03-29</actionDate>
          <text>Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.</text>
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        <title>National Flood Insurance Program Reauthorization and Reform Act of 2023</title>
        <congress>118</congress>
        <number>4349</number>
        <type>HR</type>
        <latestAction>
          <actionDate>2023-06-26</actionDate>
          <text>Referred to the Subcommittee on Economic Development, Public Buildings, and Emergency Management.</text>
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        <fullName>Sen. Menendez, Robert [D-NJ]</fullName>
        <firstName>Robert</firstName>
        <lastName>Menendez</lastName>
        <party>D</party>
        <state>NJ</state>
        <isByRequest>N</isByRequest>
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        <fullName>Sen. Cassidy, Bill [R-LA]</fullName>
        <firstName>Bill</firstName>
        <lastName>Cassidy</lastName>
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        <state>LA</state>
        <sponsorshipDate>2023-06-22</sponsorshipDate>
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        <fullName>Sen. Booker, Cory A. [D-NJ]</fullName>
        <firstName>Cory</firstName>
        <lastName>Booker</lastName>
        <party>D</party>
        <state>NJ</state>
        <sponsorshipDate>2023-06-22</sponsorshipDate>
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        <lastName>Kennedy</lastName>
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        <sponsorshipDate>2023-06-22</sponsorshipDate>
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        <fullName>Sen. Van Hollen, Chris [D-MD]</fullName>
        <firstName>Chris</firstName>
        <lastName>Van Hollen</lastName>
        <party>D</party>
        <state>MD</state>
        <sponsorshipDate>2023-06-22</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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        <bioguideId>H001079</bioguideId>
        <fullName>Sen. Hyde-Smith, Cindy [R-MS]</fullName>
        <firstName>Cindy</firstName>
        <lastName>Hyde-Smith</lastName>
        <party>R</party>
        <state>MS</state>
        <sponsorshipDate>2023-06-22</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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      <item>
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        <fullName>Sen. Gillibrand, Kirsten E. [D-NY]</fullName>
        <firstName>Kirsten</firstName>
        <lastName>Gillibrand</lastName>
        <party>D</party>
        <state>NY</state>
        <middleName>E.</middleName>
        <sponsorshipDate>2023-06-22</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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      <item>
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        <fullName>Sen. Wicker, Roger F. [R-MS]</fullName>
        <firstName>Roger</firstName>
        <lastName>Wicker</lastName>
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        <state>MS</state>
        <middleName>F.</middleName>
        <sponsorshipDate>2023-06-22</sponsorshipDate>
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        <bioguideId>R000595</bioguideId>
        <fullName>Sen. Rubio, Marco [R-FL]</fullName>
        <firstName>Marco</firstName>
        <lastName>Rubio</lastName>
        <party>R</party>
        <state>FL</state>
        <sponsorshipDate>2023-06-22</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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        <bioguideId>C001056</bioguideId>
        <fullName>Sen. Cornyn, John [R-TX]</fullName>
        <firstName>John</firstName>
        <lastName>Cornyn</lastName>
        <party>R</party>
        <state>TX</state>
        <sponsorshipDate>2023-07-13</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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      <name>Finance and Financial Sector</name>
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          <name>Accounting and auditing</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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        <item>
          <name>Administrative law and regulatory procedures</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Administrative remedies</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Advisory bodies</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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        <item>
          <name>Alternative dispute resolution, mediation, arbitration</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Building construction</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Business records</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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        <item>
          <name>Congressional oversight</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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        <item>
          <name>Digital media</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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        <item>
          <name>Disaster relief and insurance</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
        </item>
        <item>
          <name>Emergency planning and evacuation</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
        </item>
        <item>
          <name>Executive agency funding and structure</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Federal Emergency Management Agency (FEMA)</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Federal-Indian relations</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Floods and storm protection</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Geography and mapping</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Government employee pay, benefits, personnel management</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Government ethics and transparency, public corruption</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Government information and archives</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Government lending and loan guarantees</name>
          <updateDate>2023-09-01T12:15:22Z</updateDate>
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          <name>Government studies and investigations</name>
          <updateDate>2023-09-01T12:15:22Z</updateDate>
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          <name>Government trust funds</name>
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          <name>Housing and community development funding</name>
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          <name>Housing finance and home ownership</name>
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          <name>Inflation and prices</name>
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          <name>Insurance industry and regulation</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Legal fees and court costs</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Licensing and registrations</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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        <item>
          <name>Life, casualty, property insurance</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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        <item>
          <name>Low- and moderate-income housing</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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        <item>
          <name>Performance measurement</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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        <item>
          <name>Poverty and welfare assistance</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Public contracts and procurement</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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        <item>
          <name>Public-private cooperation</name>
          <updateDate>2023-09-01T12:15:21Z</updateDate>
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          <name>Residential rehabilitation and home repair</name>
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          <name>Securities</name>
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          <name>State and local finance</name>
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          <name>State and local government operations</name>
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          <name>User charges and fees</name>
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        <name>Finance and Financial Sector</name>
        <updateDate>2023-07-31T14:30:23Z</updateDate>
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    <summaries>
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        <versionCode>00</versionCode>
        <actionDate>2023-06-22</actionDate>
        <actionDesc>Introduced in Senate</actionDesc>
        <updateDate>2024-04-09T13:51:14Z</updateDate>
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          <text>&lt;p&gt;&lt;b&gt;National Flood Insurance Program Reauthorization and Reform Act of 2023&lt;/b&gt;&lt;/p&gt; &lt;p&gt;This bill generally revises the National Flood Insurance Program (NFIP) and reauthorizes the program through FY2026.&lt;/p&gt; &lt;p&gt;The bill addresses NFIP coverage, cost, and availability, including by &lt;/p&gt; &lt;ul&gt; &lt;li&gt;generally prohibiting the Federal Emergency Management Agency (FEMA) from raising certain premiums, surcharges, and fees more than 9% a year for five years; &lt;/li&gt; &lt;li&gt;revising flood insurance coverage limits;&lt;/li&gt; &lt;li&gt;establishing a means-tested program to provide financial assistance to low-income households through policy discounts; and&lt;/li&gt; &lt;li&gt;revising standards and certification requirements for flood insurance rate maps.&lt;/li&gt; &lt;/ul&gt; &lt;p&gt;The bill also revises administrative provisions of the NFIP, including by &lt;/p&gt; &lt;ul&gt; &lt;li&gt;allowing for the continuous operation of the NFIP during a lapse in appropriations, and&lt;/li&gt; &lt;li&gt;prohibiting the Department of the Treasury from charging FEMA interest for NFIP debt for five years. &lt;/li&gt; &lt;/ul&gt; &lt;p&gt;The bill sets forth requirements for Write Your Own companies related to reimbursements, agent commissions, and penalties for underpayment of claims. (A Write Your Own company writes and services federal standard flood insurance policies in its own name.) &lt;/p&gt; &lt;p&gt;The bill establishes state or tribal government revolving funds for flood mitigation activities and also provides for loans, grants, and other incentives regarding mitigation.&lt;/p&gt; &lt;p&gt;The bill also requires the creation of an appeals process for disputing NFIP premium rates. &lt;/p&gt;</text>
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    </summaries>
    <title>National Flood Insurance Program Reauthorization and Reform Act of 2023</title>
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        <title>National Flood Insurance Program Reauthorization and Reform Act of 2023</title>
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        <title>A bill to reauthorize the National Flood Insurance Program, and for other purposes.</title>
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        <billTextVersionName>Introduced in Senate</billTextVersionName>
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      <actionDate>2024-03-12</actionDate>
      <text>Committee on Banking, Housing, and Urban Affairs. Hearings held.</text>
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    <dc:rights>Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.</dc:rights>
    <dc:contributor>Congressional Research Service, Library of Congress</dc:contributor>
    <dc:description>This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.</dc:description>
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