HR8439-119

In Committee

Commission on Natural Disaster Risk Management and Insurance Act

119th Congress Introduced Apr 22, 2026

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, Commission on Natural Disaster Risk Management and Insurance Act, changes federal law or congressional policy affecting financial institutions, investors, and borrowers. The main policy domain is Finance, Government Operations, Environment.

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 H88E9B4178D7647D782A9936754503416: 1. Short title This Act may be cited as the Commission on Natural Disaster Risk Management and Insurance Act.
  • Section H0A5C20581C814A4CA7A4CFCDCFA528B5: 2. Establishment There is established an independent, nonpartisan Commission on Natural Disaster Risk Management and Insurance (in this Act referred to as the...
  • Section HA31BC30374AC4E96936E5EC83E24CF33: 3. Membership and structure The Commission shall be composed of— 8 members who shall have general knowledge and expertise in insurance, reinsurance, insurance...
  • Section HB85744CEEFF84DB595F65D34359F1095: 4. Duties of the commission The Commission shall examine the risks posed to the United States (both nationally and to individual States, localities, tribes and...
  • Section H2D06AC6971E4417EAF244C4EB2E55B87: 5. Report Not later than 2 years after the date of the enactment of this Act, the Commission shall submit to the Committee on Banking, Housing, and Urban...

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, Commission on Natural Disaster Risk Management and Insurance Act, changes federal law or congressional policy affecting financial institutions, investors, and borrowers.

Key Policy Areas

Finance, Government Operations, Environment

Primary Purpose

This bill, Commission on Natural Disaster Risk Management and Insurance Act, changes federal law or congressional policy affecting financial institutions, investors, and borrowers.

Policy Domains

Finance Government Operations Environment

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

In Committee
Introduced Committee Passed
Apr 22, 2026

Referred to the Committee on Transportation and Infrastructure, and in …

Apr 22, 2026

Introduced in House

Apr 22, 2026

Mr. Carbajal (for himself, Mr. Evans of Colorado, Mr. Carter …

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 Government Operations Environment
Actor Mappings
"the_commission"
→ The commission identified in the operative section

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