Latest action: Referred to the House Committee on Financial Services.
Referred to one or more standing committees for review, hearings, and possible markup.
Specific committees not parsed from action data.
The committee may hold hearings, amend the bill, or let it die without action.
Next: Reported
Full chamber floor — Speaker / Majority Leader controls scheduling
Requires the National Flood Insurance Program to disclose premium pricing details to customers.
The problem
Flood insurance customers lack clear information about how premiums are calculated, making it difficult to understand costs and compare coverage options fairly.
The proposal
The bill mandates that the NFIP provide transparent breakdown of premium charges, including risk factors and calculation methods used to set insurance prices.
The impact
Flood insurance customers gain clearer pricing information. Insurers must develop new disclosure systems. NFIP operations may require adjustment to comply with transparency requirements.
People buying flood insurance will see exactly why they pay what they pay. This allows them to make better decisions about coverage and budget planning. It reduces confusion about hidden or unclear charges.
Clear pricing information helps customers compare the NFIP with private flood insurance options more easily. Better information can lead to more competitive pricing and better products in the insurance market.
Transparency in how premiums are calculated builds confidence in the NFIP as a fair institution. Customers are more likely to trust programs when they understand how decisions are made.
Clear data about premium structures helps lawmakers and regulators understand how the flood insurance system works. This supports better future policy decisions.
The NFIP must develop and maintain new systems to track and display detailed pricing information. These administrative costs could increase expenses and potentially raise insurance premiums for all customers.
Transparency could expose that some areas pay significantly higher premiums due to risk factors. This might trigger criticism or legal challenges against the rate-setting system.
Detailed pricing breakdowns with complex risk calculations might confuse customers rather than help them. More information doesn't always mean clearer information.
Publicly disclosed premium details could give private insurers strategic advantages by showing exactly how NFIP sets rates. This might harm the NFIP's market position.
Generated by AI from the bill text. Not a prediction and not legal or policy advice. The percentage is the model's own rating of each item — self-reported, and not a measure of how accurate it is.
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Other bills in this policy area
S 5639
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HR 1190
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Individual contributions, grouped by employer · FEC
Where their individual donors work · 2026 cycle
Money from people who work there, not from the company. Not tied to this bill.
Itemized individual contributions via FEC, grouped by the employer each contributor self-reported. Companies and unions cannot contribute to federal candidates from their treasuries, so these totals are money from people who work at an employer — never from the organization itself. They are campaign contributions covering a full election cycle and are not connected to this bill.
Senate LDA lobbying disclosures
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