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H.R.6415 / 112th Congress

CLAIM Act

Referred to the Subcommittee on Insurance, Housing and Community Opportunity.

Official summary

Version 00 · Introduced in House · Sep 14, 2012

Claims Licensing Advancement for Interstate Matters Act or CLAIM Act - Authorizes an independent claims adjuster meeting specified requirements to adjust claims for losses related to any disaster occurring in any jurisdiction designated by the President as a major disaster pursuant to the Robert T. Stafford Disaster Relief and Emergency Assistance Act, regardless of state licensure requirements governing the major disaster area.

Requires an adjuster to: (1) hold a valid license in his or her home state, and (2) have passed any multi-state examination established and administered by the National Association of Insurance Commissioners (NAIC).

Urges NAIC to: (1) adopt a certain model independent claims adjuster licensing Act, and (2) develop and administer a multi-state examination for an independent claims adjuster seeking to adjust claims in a jurisdiction other than his or her home state.

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Sets forth criteria for state compliance with this Act, including reciprocity.

Authorizes any independent claims adjuster meeting the requirements of this Act to ascertain, determine, negotiate, or settle a claim in a state that is not in compliance with this Act. Prohibits such a state from imposing additional requirements upon such an adjuster.

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Who introduced it

Rep. Fincher, Stephen Lee [R-TN-8] · R–TN

Committees

  • Financial Services Committee
1 cosponsorship records, including any withdrawals

Actions

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  1. Referred to the Subcommittee on Insurance, Housing and Community Opportunity.

  2. Referred to the House Committee on Financial Services.

  3. Sponsor introductory remarks on measure. (CR E1543-1544)

  4. Introduced in House

  5. Introduced in House

Bill text & related measures

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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 14, 2025. Consult Congress.gov for the current record.

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Neutral evidence review

Objective

Analyze H.R.6415 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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Fairness and public impact

Progressive lens

Examine H.R.6415 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.

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Institutions and government scope

Conservative lens

Examine H.R.6415 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.

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Individual rights and government power

Liberty lens

Examine H.R.6415 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.

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