PlainBillCongress, translated.Legislation. Context. Public interest.

To temporarily increase the borrowing authority of the Federal Emergency Management Agency for carrying out the National Flood Insurance Program.

Became Public Law No: 113-1.

Official summary

Version 49 · Public Law · Jan 6, 2013

(This measure has not been amended since it was introduced. The summary of that version is repeated here.)

Amends the National Flood Insurance Act of 1968 to increase from $20.725 billion to $30.425 billion the total amount of notes and obligations (federal borrowing authority) which may be issued by the Administrator of the Federal Emergency Management Agency (FEMA), with the President's approval, for the National Flood Insurance program.

Designates such increase as an emergency requirement under the the Statutory Pay-As-You-Go Act of 2010.

Read the summary on Congress.gov
PlainBill analysis is coming later. This page presents official source data. We have not yet published a PlainBill explanation for this bill.

Who introduced it

Rep. Garrett, Scott [R-NJ-5] · R–NJ

Committees

  • Budget Committee
  • Financial Services Committee
44 cosponsorship records, including any withdrawals

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

  1. Became Public Law No: 113-1.

  2. Became Public Law No: 113-1.

  3. Signed by President.

  4. Signed by President.

  5. Presented to President.

  6. Presented to President.

  7. Message on Senate action sent to the House.

  8. Received in the Senate, read twice, considered, read the third time, and passed without amendment by Voice Vote. (consideration: CR S23-24)

  9. Passed/agreed to in Senate: Received in the Senate, read twice, considered, read the third time, and passed without amendment by Voice Vote.(consideration: CR S23-24)

  10. Motion to reconsider laid on the table Agreed to without objection.

  11. On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 354 - 67 (Roll no. 7). (text: CR H39-40)

    House roll call 7 · Individual votes
  12. Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 354 - 67 (Roll no. 7).(text: CR H39-40)

    House roll call 7 · Individual votes
  13. DEBATE - The House proceeded with forty minutes of debate on H.R. 41.

  14. Considered under suspension of the rules. (consideration: CR H39-48)

  15. Mr. Garrett moved to suspend the rules and pass the bill.

  16. Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  17. Referred to the Committee on Financial Services, and in addition to the Committee on the Budget, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

  18. Introduced in House

  19. Introduced in House

Bill text & related measures

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

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: Sep 8, 2026. Consult Congress.gov for the current record.

Explore the bill from different angles

Choose a perspective, copy a prompt, and paste it into your preferred AI. Each prompt includes the bill version and available official source links, and asks for counterarguments as well as supporting evidence.

Neutral evidence review

Objective

Analyze H.R.41 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.

View full prompt & sources
Fairness and public impact

Progressive lens

Examine H.R.41 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
Institutions and government scope

Conservative lens

Examine H.R.41 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
Individual rights and government power

Liberty lens

Examine H.R.41 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