Skip to content
PoliticalRepoPoliticalRepo

United States · Bill · HR

H.R. 3121 (110th)

Flood Insurance Reform and Modernization Act of 2007

openUnited States· United States Congress· EN

Introduced

19 July 2007

Last action

10 July 2008 · ResolvingDifferences

Status

Message on House action received in Senate and at desk: House requests a conference.

Sponsors

Rep. Waters, Maxine [D-CA-43], Rep. Taylor, Gene [D-MS-4], Rep. Jindal, Bobby [R-LA-1], Rep. Green, Al [D-TX-9], Rep. Frank, Barney [D-MA-4], Rep. Kilpatrick, Carolyn C. [D-MI-13], Del. Christensen, Donna M. [D-VI-At Large], Rep. Cleaver, Emanuel [D-MO-5], Rep. Honda, Michael M. [D-CA-15], Rep. Murphy, Patrick J. [D-PA-8], Rep. Pickering, Charles W. "Chip" [R-MS-3], Rep. Baca, Joe [D-CA-43], Rep. Melancon, Charlie [D-LA-3], Rep. Thompson, Bennie G. [D-MS-2]

Subjects

Discovery layer

Source updated

7 April 2025

Official sourceDownload fileView documentsShare

Summary

Flood Insurance Reform and Modernization Act of 2007 - Instructs the Comptroller General to study and report to Congress regarding: (1) national flood insurance program coverage for pre-FIRM properties: (2) amending the Flood Disaster Protection Act of 1973 for properties subject to mandatory flood insurance coverage purchase requirements; and (3) ways to increase participation by low-income families in the national flood insurance program. Amends the Flood Disaster Protection Act of 1973 to increase civil monetary penalties for the failure of a regulated lending institution to require flood insurance or notify borrowers of its availability. Amends the National Flood Insurance Act of 1968 to: (1) provide phase-in actuarial rates for nonresidential properties and non-primary residences; (2) provide multiperil coverage for flood and windstorm; (3) prohibit duplicative coverage; (4) revise maximum coverage limits; and (5) provide coverage for additional living expenses, basement improvements, business interruption, and replacement cost of contents. Requires the Director of the Federal Emergency Management Agency (FEMA) to promote notification of the availability of flood insurance coverage to tenants in special flood hazard areas. Increases the annual limitation on premium increases. Requires FEMA to: (1) participate, upon state request, in state disaster claims mediation programs; and (2) submit an annual financial status report to Congress regarding the national flood insurance program. Authorizes: (1) FEMA grants for outreach to encourage purchases of flood insurance protection; and (2) grants for direct funding of mitigation activities for individual repetitive claims properties. Extends a pilot program for mitigation of severe repetitive loss properties. Declares property demolition and rebuilding eligible for flood mitigation assistance. Amends the Real Estate Settlement Procedures Act of 1974 to require that a lender's good faith estimates of settlement services include notice: (1) of the availability of the national flood insurance; and (2) that escrow of flood insurance payments is required for certain loans. Reiterates the directive to FEMA of the Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004 to establish an appeals process for flood insurance policyholders. Directs FEMA to establish an ongoing program to review, update, and maintain national flood insurance program rate maps. Requires FEMA to use plain, easy to understand language in materials that explain replacement costs, insurance forms, and policies. Authorizes FEMA to employ additional staff. Extends: (1) the deadline for filing proof of loss; and (2) the national flood insurance program.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

  1. 19 July 2007

    Introduced

    Referred to the House Committee on Financial Services.

    Source: IntroReferral

  2. 19 July 2007

    Introduced

    Introduced in House

    Source: IntroReferral

  3. 19 July 2007

    Introduced

    Introduced in House

    Source: IntroReferral

  4. 26 July 2007

    Vote

    Ordered to be Reported (Amended) by the Yeas and Nays: 38 - 29.

    Source: Committee

  5. 26 July 2007

    Committee

    Committee Consideration and Mark-up Session Held.

    Source: Committee

  6. 24 September 2007

    Calendars

    Placed on the Union Calendar, Calendar No. 211.

    Source: Calendars

  7. 24 September 2007

    Reported

    Reported (Amended) by the Committee on Financial Services. H. Rept. 110-340.

    Source: Committee

  8. 24 September 2007

    Reported

    Reported (Amended) by the Committee on Financial Services. H. Rept. 110-340.

    Source: Committee

  9. 26 September 2007

    Reported

    Rules Committee Resolution H. Res. 683 Reported to House. Rule provides for consideration of H.R. 3121 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. All points of order againist consideration of the bill are waived except those arising under clause 9 or 10 of rule XXI. The amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill, modified by the amendment printed in part A of the report of the Committee on Rules acompanying this resolution, shall be considered as adopted in the House and in the Committee of the Whole.

    Source: Floor

  10. 27 September 2007

    Floor

    The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3121.

    Source: Floor

  11. 27 September 2007

    Floor

    The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 3121.

    Source: Floor

  12. 27 September 2007

    Passed

    Motion to reconsider laid on the table Agreed to without objection.

    Source: Floor

  13. 27 September 2007

    Vote

    On passage Passed by the Yeas and Nays: 263 - 146 (Roll no. 921).

    Source: Floor

  14. 27 September 2007

    Vote

    Passed/agreed to in House: On passage Passed by the Yeas and Nays: 263 - 146 (Roll no. 921).

    Source: Floor

  15. 27 September 2007

    Vote

    On motion to recommit with instructions Failed by recorded vote: 179 - 232 (Roll no. 920).

    Source: Floor

  16. 27 September 2007

    Floor

    The previous question on the motion to recommit with instructions was ordered without objection. (consideration: CR H10993)

    Source: Floor

  17. 27 September 2007

    Floor

    Mrs. Bachmann moved to recommit with instructions to Financial Services. (consideration: CR H10991-10993; text: CR H10991-10992)

    Source: Floor

  18. 27 September 2007

    Passed

    The House adopted the amendment as agreed to by the Committee of the Whole House on the state of the Union. (text: CR H10966-10972)

    Source: Floor

  19. 27 September 2007

    Floor

    Rule provides for consideration of H.R. 3121 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. All points of order againist consideration of the bill are waived except those arising under clause 9 or 10 of rule XXI. The amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill, modified by the amendment printed in part A of the report of the Committee on Rules acompanying this resolution, shall be considered as adopted in the House and in the Committee of the Whole.

    Source: Floor

  20. 27 September 2007

    Floor

    The Speaker designated the Honorable Jim Costa to act as Chairman of the Committee.

    Source: Floor

  21. 27 September 2007

    Floor

    House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 683 and Rule XVIII.

    Source: Floor

  22. 27 September 2007

    Floor

    Considered under the provisions of rule H. Res. 683. (consideration: CR H10956-10994)

    Source: Floor

  23. 27 September 2007

    Passed

    Rule H. Res. 683 passed House.

    Source: Floor

  24. 28 September 2007

    Introduced

    Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

    Source: IntroReferral

  25. 13 May 2008

    Floor

    Measure laid before Senate by unanimous consent. (consideration: CR S4061-4072)

    Source: Floor

  26. 13 May 2008

    Vote

    Passed/agreed to in Senate: Passed Senate in lieu of S.2284 with an amendment by Yea-Nay Vote. 92 - 6. Record Vote Number: 125.(text: CR S4061-4072)

    Source: Floor

  27. 13 May 2008

    Discharge

    Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. (consideration: CR S4061)

    Source: Discharge

  28. 13 May 2008

    Committee

    Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.(consideration: CR S4061)

    Source: Committee

  29. 14 May 2008

    Floor

    Message on Senate action sent to the House.

    Source: Floor

  30. 10 July 2008

    ResolvingDifferences

    Mr. Capuano moved that the House disagree to the Senate amendment, and request a conference.

    Source: ResolvingDifferences

  31. 10 July 2008

    Passed

    On motion that the House disagree to the Senate amendment, and request a conference Agreed to by voice vote. (consideration: CR H6355-6363, H6377-6378)

    Source: ResolvingDifferences

  32. 10 July 2008

    Floor

    Message on House action received in Senate and at desk: House requests a conference.

    Source: Floor

  33. 10 July 2008

    ResolvingDifferences

    The Speaker appointed conferees - from the Committee on Financial Services for consideration of the House bill and the Senate amendment, and modifications committed to conference: Frank (MA), Kanjorski, Waters, Watt, Clay, Klein (FL), Mahoney (FL), Bachus, Biggert, Capito, Garrett (NJ), and Price (GA).

    Source: ResolvingDifferences

  34. 10 July 2008

    Passed

    Motion to reconsider laid on the table Agreed to without objection.

    Source: ResolvingDifferences

  35. 10 July 2008

    Floor

    DEBATE - The House proceeded with one hour of debate on the Neugebauer motion to instruct conferees on H.R. 3121. The instructions contained in the motion seek to require the managers on the part of the House to the maximum extent possible within the scope of the conference, include in the conference agreement the provision in section 106 of the bill S. 2284.

    Source: Floor

  36. 10 July 2008

    ResolvingDifferences

    The previous question was ordered without objection. (consideration: CR H6363)

    Source: ResolvingDifferences

Votes

13 May 2008 · Bill Passed · On Passage of the Bill H.R. 3121 · Bill Passed · Official source

Yes 92 · No 6 · Abstain — · Absent/not voting 2

Showing the first 4 recorded positions. Vote totals above are complete.

Versions

Documents

14 official files

Engrossed Amendment Senate (text)

View fileDownload file

This file cannot be previewed here. Use View or Download.

Leesvertaling

Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Engrossed Amendment Senate (text)

    Engrossed Amendment Senate · EN · 13 May 2008

    ViewDownloadOpen at official source

  • Engrossed Amendment Senate (PDF)

    Engrossed Amendment Senate · EN · 13 May 2008

    ViewDownloadOpen at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Passed Senate amended

    summary · EN · 13 May 2008

    Open at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Referred in Senate (text)

    Referred in Senate · EN · 28 September 2007

    ViewDownloadOpen at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Referred in Senate (PDF)

    Referred in Senate · EN · 28 September 2007

    ViewDownloadOpen at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Engrossed in House (text)

    Engrossed in House · EN · 27 September 2007

    ViewDownloadOpen at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Engrossed in House (PDF)

    Engrossed in House · EN · 27 September 2007

    ViewDownloadOpen at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Passed House amended

    summary · EN · 27 September 2007

    Open at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Reported in House (text)

    Reported in House · EN · 24 September 2007

    ViewDownloadOpen at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Reported in House (PDF)

    Reported in House · EN · 24 September 2007

    ViewDownloadOpen at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Reported to House with amendment(s)

    summary · EN · 24 September 2007

    Open at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Introduced in House (text)

    Introduced in House · EN · 19 July 2007

    ViewDownloadOpen at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Introduced in House (PDF)

    Introduced in House · EN · 19 July 2007

    ViewDownloadOpen at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

  • Introduced in House

    summary · EN · 19 July 2007

    Open at official source

    Leesvertaling

    Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.

    Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.

Sponsors

Related records

Showing 11 of 18 related records.

Sources

PoliticalRepo is an index and interpretation layer, not the authoritative legal source.