United States 119th Congress Status: In Committee Bipartisan · 16 R · 15 D cosponsors

S 4395 — Terrorism Risk Insurance Program Reauthorization Act of 2026

Last action — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the Senate. Introduced April 27, 2026. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the Senate.

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Advancing 42% · moderate confidence

  • In Committee

    Current position in the legislative process.

  • 31 sponsors

    1 primary, 30 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (16 R · 15 D) — cross-party backing.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

The bill extends the Terrorism Risk Insurance Program until 2034.

This bill reauthorizes the Terrorism Risk Insurance Program for an additional seven years, setting the new expiration date to 2034. It also adjusts the timing for mandatory recoupment deadlines.

Bill Text

How this bill changes current law

5 changes Share ↗

Compared against current U.S. Code AI-generated reading aid — verify against the official bill.

The bill extends the termination date of the Terrorism Risk Insurance Program and revises associated mandatory recoupment timing.

  • 15 U.S.C. 6701 note

    2027 → 2034

    The termination date of the Terrorism Risk Insurance Program is extended from 2027 to 2034.

  • 15 U.S.C. 6701 note

    2022 → 2029

    The timing for mandatory recoupment is extended from 2022 to 2029.

  • 15 U.S.C. 6701 note

    2024 → 2031

    The timing for mandatory recoupment is adjusted from 2024 to 2031.

  • 15 U.S.C. 6701 note

    2023 → 2030

    The timing for mandatory recoupment is extended from 2023 to 2030.

  • 15 U.S.C. 6701 note

    2029 → 2036

    The timing for mandatory recoupment is adjusted from 2029 to 2036.

Action History

  1. Introduced in Senate

  2. Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Sponsors

Sponsorship breakdown

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1 sponsors · 30 co-sponsors · 516 not signed on

Sponsors (1)

Co-sponsors (30)

Not signed on (516)

516 members have not signed on to this bill.

Show all 516 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance
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Frequently asked questions

Who sponsors S 4395?
S 4395 is sponsored by Smith, Tina (Democratic), Tillis, Thomas (Republican), Gallego, Ruben (Democratic), Scott, Tim (Republican), Kim, Andy (Democratic), Kennedy, John (Republican), Van Hollen, Chris (Democratic), Ricketts, Pete (Republican), Cortez Masto, Catherine (Democratic), Cramer, Kevin (Republican), Alsobrooks, Angela D. (Democratic), Crapo, Mike (Republican), Warnock, Raphael G. (Democratic), Rounds, Mike (Republican), Blunt Rochester, Lisa (Democratic), Britt, Katie Boyd (Republican), Warner, Mark R. (Democratic), Hagerty, Bill (Republican), Schumer, Charles E. (Democratic), Banks, Jim (Republican), Moreno, Bernie (Republican), Lummis, Cynthia M. (Republican), Sheehy, Tim (Republican), Padilla, Alex (Democratic), Capito, Shelley Moore (Republican), Gillibrand, Kirsten E. (Democratic), Boozman, John (Republican), Baldwin, Tammy (Democratic), Shaheen, Jeanne (Democratic), Rosen, Jacky (Democratic), and McCormick, David (Republican).
What is the current status of S 4395?
This bill is in committee in the Senate. Introduced April 27, 2026. It must pass committee before a floor vote.
Where can I track S 4395?
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