Latest action: Committee on Homeland Security and Governmental Affairs Senate Permanent Subcommittee on Investigations. Hearings held.
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
Bill aims to increase accountability and penalties for insurance fraud schemes.
The problem
Insurance fraud costs the industry and honest policyholders billions annually through false claims, inflated damages, and staged incidents that drive up premiums.
The proposal
Establishes stricter penalties, enhanced investigation procedures, and coordination between federal agencies to detect and prosecute insurance fraud cases more effectively.
The impact
Insurance companies, policyholders, federal investigators, and people accused of fraud are affected through changed investigation rules, potential legal consequences, and possible premium impacts.
Reducing fraud could decrease insurance company losses, potentially leading to lower premiums for honest customers. When fraud decreases, companies pass savings to consumers.
Improved coordination between federal agencies helps catch criminals faster. Enhanced investigation tools make it harder for fraudsters to succeed.
People who pay insurance honestly benefit when fraudsters face consequences. This protects the integrity of the insurance system.
Insurance companies can operate more efficiently when fraud is reduced. This supports the insurance industry's ability to function smoothly.
Enhanced investigations and federal coordination require government funding and resources. Taxpayers ultimately bear these costs through government spending.
Stricter enforcement could lead to innocent people being accused or prosecuted. Mistakes in investigations can harm people's lives and reputations.
Insurance companies may need to implement costly new compliance procedures and reporting systems. This creates operational expenses for the industry.
Enhanced investigation procedures might involve more data collection and agency coordination. This could raise privacy questions for individuals in the system.
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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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.
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