Nonprofit Property Protection Act

Referred to the House Committee on Financial Services.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Oct 21, 2015

Nonprofit Property Protection Act

This bill:

amends the Liability Risk Retention Act of 1986 to rename it the Risk Retention Act of 1986; and

exclude from "commercial insurance" covered by the Act any health, life, or disability insurance or workers compensation insurance or express contractual obligations owed to a consumer as a result of a personal, family, or household transaction, where the consumer pays a separate consideration for the express contractual obligation.

The bill expands the kinds of state laws pertaining to business insurance from which a risk retention group shall be exempt to include laws pertaining to other lines of commercial insurance offered by a risk retention group to an entity organized and operated exclusively as a federal tax-exempt nonprofit charitable or educational institution, as long as the group meets specified criteria.

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People & committees

Who introduced it

Rep. Ross, Dennis A. [R-FL-15] · R–FL

Committees

Financial Services Committee

1 cosponsorship records, including any withdrawals

Rep. Perlmutter, Ed [D-CO-7]

Legislative record

Actions

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Oct 21, 2015
Referred to the House Committee on Financial Services.
Oct 21, 2015
Introduced in House
Oct 21, 2015
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Oct 21, 2015 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Aug 12, 2025. Consult Congress.gov for the current record.

AI Conversation Starters

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Neutral evidence review

Objective

Analyze H.R.3794 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Discuss H.R.3794, 114th Congress: Nonprofit Property Protection Act

Official record: https://www.congress.gov/bill/114th-congress/house-bill/3794

Text version to examine: Introduced in House · 2015-10-21.

Official full text: https://www.congress.gov/114/bills/hr3794/BILLS-114hr3794ih.htm

Imported record last updated by the source: 2025-08-12T14:11:05Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.3794 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.R.3794 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

View full prompt & sources

Discuss H.R.3794, 114th Congress: Nonprofit Property Protection Act

Official record: https://www.congress.gov/bill/114th-congress/house-bill/3794

Text version to examine: Introduced in House · 2015-10-21.

Official full text: https://www.congress.gov/114/bills/hr3794/BILLS-114hr3794ih.htm

Imported record last updated by the source: 2025-08-12T14:11:05Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.3794 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.R.3794 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.R.3794, 114th Congress: Nonprofit Property Protection Act

Official record: https://www.congress.gov/bill/114th-congress/house-bill/3794

Text version to examine: Introduced in House · 2015-10-21.

Official full text: https://www.congress.gov/114/bills/hr3794/BILLS-114hr3794ih.htm

Imported record last updated by the source: 2025-08-12T14:11:05Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.3794 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.3794 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.3794, 114th Congress: Nonprofit Property Protection Act

Official record: https://www.congress.gov/bill/114th-congress/house-bill/3794

Text version to examine: Introduced in House · 2015-10-21.

Official full text: https://www.congress.gov/114/bills/hr3794/BILLS-114hr3794ih.htm

Imported record last updated by the source: 2025-08-12T14:11:05Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.3794 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.