PlainBillCongress, translated.Legislation. Context. Public interest.Became Public Law No: 109-106.
Congressional Research Service
Version 35 · Passed Senate amended · Nov 18, 2005
National Flood Insurance Program Further Enhanced Borrowing Authority Act of 2005 - Amends the National Flood Insurance Act of 1968 to increase from $3.5 billion to $18.5 billion, through FY2008, the total amount which the Director of the Federal Emergency Management Agency (FEMA) may borrow from the Secretary of the Treasury with the President's approval to carry out the flood insurance program.
Designates such funds as emergency spending.
People & committees
Rep. Fitzpatrick, Michael G. [R-PA-8] · R–PA
Legislative record
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Became Public Law No: 109-106.
Became Public Law No: 109-106.
Signed by President.
Signed by President.
Presented to President.
Presented to President.
Cleared for White House.
Motion to reconsider laid on the table Agreed to without objection.
On motion that the House agree to the Senate amendments Agreed to by voice vote. (text as House agreed to Senate amendment: CR H10991)
Resolving differences -- House actions: On motion that the House agree to the Senate amendments Agreed to by voice vote.(text as House agreed to Senate amendment: CR H10991)
DEBATE - Pursuant to a previous special order, the House proceeded with 20 minutes of debate on the motion to agree to the Senate amendments to H.R. 4133.
Mr. Oxley moved that the House agree to the Senate amendments. (consideration: CR H10991-10993)
Message on Senate action sent to the House.
Passed Senate with an amendment by Unanimous Consent.
Passed/agreed to in Senate: Passed Senate with an amendment by Unanimous Consent.
Measure laid before Senate by unanimous consent. (consideration: CR S13424)
Received in the Senate, read twice.
Motion to reconsider laid on the table Agreed to without objection.
On motion to suspend the rules and pass the bill Agreed to by voice vote. (text: CR H10336-10337)
Passed/agreed to in House: On motion to suspend the rules and pass the bill Agreed to by voice vote.(text: CR H10336-10337)
DEBATE - The House proceeded with forty minutes of debate on H.R. 4133.
Considered under suspension of the rules. (consideration: CR H10336-10339)
Mr. Ney moved to suspend the rules and pass the bill.
Placed on the Union Calendar, Calendar No. 150.
Reported by the Committee on Financial Services. H. Rept. 109-274.
Reported by the Committee on Financial Services. H. Rept. 109-274.
Ordered to be Reported 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: Mar 9, 2026. Consult Congress.gov for the current record.
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Analyze H.R.4133 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.
Examine H.R.4133 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.
Examine H.R.4133 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.
Examine H.R.4133 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.