HR5608-119

Introduced

To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products.

119th Congress Introduced Sep 26, 2025

Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.

Summary

What This Bill Does

This bill, To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products., changes federal law or congressional policy affecting financial institutions, investors, and borrowers. The main policy domain is Finance, Immigration, Criminal Justice.

Who Benefits and How

financial institutions, investors, and borrowers may benefit from new authority, funding, eligibility, regulatory clarity, or reduced risk created by the bill.

Who Bears the Burden and How

federal implementing agencies, financial institutions, investors, and borrowers may take on implementation duties, reporting obligations, compliance costs, or oversight responsibilities.

Key Provisions

  • Section HA5FB1845E5FA4ECE9C77A295A60F13FF: 1. Prohibition on non-compete requirement for Write Your Own companies under the National Flood Insurance Program Section 1345 of the National Flood Insurance...

Evidence Chain:

This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.

At a Glance

What This Bill Does

This bill, To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products., changes federal law or congressional policy affecting financial institutions, investors, and borrowers.

Key Policy Areas

Finance, Immigration, Criminal Justice

Primary Purpose

This bill, To ensure that Write Your Own companies can sell private flood insurance products that compete with National Flood Insurance Program products., changes federal law or congressional policy affecting financial institutions, investors, and borrowers.

Policy Domains

Finance Immigration Criminal Justice

Whole bill

Identified Gains
  • financial institutions, investors, and borrowers
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: ih
financial institutions, investors, and borrowers:
Identified Costs
  • federal implementing agencies
  • financial institutions, investors, and borrowers
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: ih
federal implementing agencies:
financial institutions, investors, and borrowers:

Legislative Progress

Introduced
Introduced Committee Passed
Sep 26, 2025

Mr. Steube (for himself, Mr. Patronis, and Mr. Ezell) introduced …

Impact analysis is available but no clear stakeholder effects identified. View clause-level analysis →

Bill Structure & Actor Mappings

Who is "The Secretary" in each section?

Domains
Finance Immigration Criminal Justice
Actor Mappings
"the_administrator"
→ The Administrator identified in the operative section

Key Definitions

Terms defined in this bill

1 term
"Write Your Own Program" §HA5FB1845E5FA4ECE9C77A295A60F13FF

the program under which the Federal Emergency Management Agency enters into a standard arrangement with private property insurance companies to— (A)sell contracts for flood insurance coverage under this title under their own business lines of insurance

We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.

Learn more about our methodology