Legislative Issues Briefing.

PROTECT OUR COURTS BY CRACKING DOWN ON LAWSUIT ABUSE

Congress should take action to curb abusive litigation practices that drive up insurance costs or consumers and undermine the integrity of the U.S. legal system. The rapid growth of third-party litigation funding (TPLF) has created unfair tax advantages and a lack of transparency that incentivizes excessive litigation and increases the cost of insurance for policyholders. Lawmakers should support the Tackling Predatory Litigation Funding Act (H.R.3512/S.1821) to ensure funders pay fair, ordinary income tax rates comparable to plaintiffs and attorneys, while closing loopholes that allow foreign investors to avoid U.S. taxes entirely. Congress should advance the Protecting Our Courts from Foreign Manipulation Act (H.R.2675/S.3180) to require disclosure of litigation funding arrangements and prevent foreign entities from exploiting U.S. courts for profit.

ADDRESS THE INSURANCE MARKET CRISIS BY ENCOURAGING DISASTER PREPAREDNESS

Congress should advance smart, proactive mitigation policies that protect homeowners, stabilize insurance markets, and reduce long-term federal disaster costs. The Senate should join the House, which has already passed the Fix Our Forests Act (H.R.471/S.1462) to address the growing wildfire crisis through improved forest management, infrastructure hardening, and streamlined project approvals that better protect at-risk communities. Congress should support the Disaster Mitigation and Tax Parity Act of 2025 (H.R.1849/S.336) to remove tax barriers that discourage homeowners from investing in resilience measures, ensuring that grants for mitigation are not treated as taxable income. Finally, Congress should strengthen federal disaster response by advancing the Fixing Emergency Management for Americans Act (H.R.4669).

MODERNIZE & REAUTHORIZE THE NATIONAL FLOOD INSURANCE PROGRAM

Congress should act to provide certainty and stability in the flood insurance market by reauthorizing and modernizing the National Flood Insurance Program (NFIP) before its September 30 expiration, avoiding the repeated short-term extensions that have created disruption and left consumers vulnerable during critical periods. A long-term reauthorization will ensure continued access to essential coverage for homeowners and businesses in high-risk areas that the private market will not cover. Lawmakers should also advance the Continuous Coverage for Flood Insurance Act (H.R.6620) to encourage responsible growth in the private flood market while protecting consumers’ ability to move between private and NFIP policies without penalty. Congress must reject proposals that would weaken or eliminate the NFIP or its Write-Your-Own program, which are vital to maintaining a functioning marketplace and delivering coverage through trusted independent agents.

SECURE THE NATIONAL ECONOMY & INSURANCE MARKETPLACE FROM THE THREAT OF TERRORISM

Congress should act swiftly to pass a clean, long-term exten-sion of the Terrorism Risk Insurance Act (TRIA) to preserve market stability, protect economic security, and ensure busi-nesses have access to essential terrorism coverage. Since its creation, TRIA has served as a vital public-private partnership that enables insurers to offer coverage for an inherently unpredictable risk.

ADVANCE REFORMS TO LOWER HEALTH INSURANCE COSTS & INCREASE TRANSPARENCY

Congress should act decisively to strengthen and modernize America’s health care system by protecting employer-sponsored coverage, advancing meaningful price transparency, and expanding access to telehealth. Preserving the long-standing tax exclusion for employer-provided health insurance is essential to maintaining stable, affordable coverage for millions of working Americans. Lawmakers should pass the Patients Deserve Price Tags Act (H.R.5582/S.2355) to ensure patients, employers, and brokers have access to clear, standardized pricing information—empowering consumers to make informed decisions and drive competition that lowers costs.