United States · Bill · HR
H.R. 4320 (109th)
National Flood Insurance Program Commitment to Policyholders and Reform Act of 2005
Introduced
15 November 2005
Last action
1 February 2006 · Reported
Status
Placed on the Union Calendar, Calendar No. 199.
Sponsors
Rep. Oxley, Michael G. [R-OH-4], Rep. Frank, Barney [D-MA-4]
Subjects
Education
Source updated
7 April 2025
Summary
National Flood Insurance Program Commitment to Policyholders and Reform Act of 2005 - Amends the Flood Disaster Protection Act of 1973 and the National Flood Insurance Act of 1968 to define an area having special flood hazards. Requires the Director of the Federal Emergency Management Agency (FEMA Director) to report annually to Congress on the extent to which updating and modernization of all floodplain areas and flood-risk zones have been completed. Amends the Flood Disaster Protection Act of 1973 to: (1) increase from $350 to $2,000 the civil monetary penalty for mortgage lender failures to require flood insurance; and (2) eliminate the $100,000 cap on the total amount of such penalties assessed against any single regulated lending institution or enterprise during any calendar year. Requires the FEMA Director to: (1) establish an appeals process through which holders of a flood insurance policy may appeal decisions on claims, proofs of loss, and loss estimates relating to such flood insurance policy; (2) enforce the minimum training and education requirements for all insurance agents who sell certain flood insurance policies; and (3) issue regulations to implement specified portions of the Bunning-Bereuter-Blumenauer Flood Insurance Reform Act of 2004. Amends the National Flood Insurance Act of 1968 to increase the maximum flood insurance coverage limits for residential property. Prescribes coverage of additional living expenses and business interruption. Increases the borrowing authority vested in the Director. Requires the Director to report semi-annually to Congress on the financial status of the national flood insurance program.
This text is taken from the official record. PoliticalRepo does not editorialize.
Timeline
15 November 2005
Introduced
Referred to the House Committee on Financial Services.
Source: IntroReferral
15 November 2005
Introduced
Introduced in House
Source: IntroReferral
15 November 2005
Introduced
Introduced in House
Source: IntroReferral
16 November 2005
Reported
Ordered to be Reported (Amended) by Voice Vote.
Source: Committee
16 November 2005
Committee
Committee Consideration and Mark-up Session Held.
Source: Committee
1 February 2006
Calendars
Placed on the Union Calendar, Calendar No. 199.
Source: Calendars
1 February 2006
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 109-370.
Source: Committee
1 February 2006
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 109-370.
Source: Committee
Votes
No vote records are attached yet.
Versions
- Reported in House · 1 February 2006 · Download file
- Introduced in House · 15 November 2005 · Download file
Documents
6 official files
Reported in House (text)
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Reported in House (text)
Reported in House · EN · 1 February 2006
Reported in House (PDF)
Reported in House · EN · 1 February 2006
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Reported to House with amendment(s)
summary · EN · 1 February 2006
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Introduced in House (text)
Introduced in House · EN · 15 November 2005
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Introduced in House (PDF)
Introduced in House · EN · 15 November 2005
ViewDownloadOpen at official source
Leesvertaling
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Introduced in House
summary · EN · 15 November 2005
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
- Rep. Oxley, Michael G. [R-OH-4] · R · Sponsor
- Rep. Frank, Barney [D-MA-4] · D · Sponsor
- · hsba00 · Standing
Related records
- related to ← Flood Insurance Reform and Modernization Act of 2006
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/109th-congress/house-bill/4320
- Open data entity: https://api.congress.gov/v3/bill/109/hr/4320
- us · 109-hr-4320 · source updated 7 April 2025