PlainBillCongress, translated.Legislation. Context. Public interest.Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Congressional Research Service
Version 36 · Passed House amended · Jan 23, 2008
Amends the National Flood Insurance Act of 1968 (Act) to provide for phased-in actuarial premium rates for recently purchased pre-FIRM single family properties used as a principal residence and purchased for at least $600,000.
(A pre-FIRM structure is one that was not constructed or substantially improved after the later of: (1) December 31, 1974; or (2) the effective date of the initial rate map published by the Director of the Federal Emergency Management Agency (FEMA) under the National Flood Insurance Act of 1968 for the area in which such structure is located.)
Declares January 1, 2011, the effective date of this Act.
Sets forth transition provisions under which the Director of the Federal Emergency Management Agency (FEMA) is instructed to increase annually the chargeable premium rates for certain properties covered under the national flood insurance program if those rates are less than the applicable estimated risk premium rates.
People & committees
Rep. Garrett, Scott [R-NJ-5] · R–NJ
Legislative record
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Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Motion to reconsider laid on the table Agreed to without objection.
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H412-413)
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H412-413)
DEBATE - The House proceeded with forty minutes of debate on H.R. 3959.
Considered under suspension of the rules. (consideration: CR H412-413)
Mr. Frank (MA) moved to suspend the rules and pass the bill, as amended.
Placed on the Union Calendar, Calendar No. 311.
Reported (Amended) by the Committee on Financial Services. H. Rept. 110-510.
Reported (Amended) by the Committee on Financial Services. H. Rept. 110-510.
Ordered to be Reported (Amended) by Voice Vote.
Committee Consideration and Mark-up Session Held.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Apr 7, 2025. Consult Congress.gov for the current record.
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Analyze H.R.3959 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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