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H.R. 5577

U.S. House•House Floor Calendar

Summary

H.R. 5577, the NFIP Extension Act of 2026, was introduced in the House on Sep 26, 2025 by Rep. Andrew Garbarino (R) with 6 co-sponsors. It last saw action on Jan 15, 2026: Placed on the Union Calendar, Calendar No. 391.

Record

Text

H.R. 5577 has 6 co-sponsors.

hb5577/introduced-in-house.txt
119 HR 5577 IH: NFIP Extension Act of 2026
 U.S. House of Representatives
 2025-09-26
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 I  119th CONGRESS  1st Session  H. R. 5577  IN THE HOUSE OF REPRESENTATIVES   September 26, 2025   Mr. Garbarino  introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program.
1.
Short title
This Act may be cited as the   NFIP Extension Act of 2026  .
2.
Extension of the National Flood Insurance Program
(a)
Financing
Section 1309(a) of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4016(a) ) is amended by striking  September 30, 2023  and inserting  September 30, 2026 .
(b)
Program expiration
Program expiration.—Section 1319 of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4026 ) is amended by striking  September 30, 2023  and inserting  September 30, 2026 .
(c)
Retroactive effective date
If this Act is enacted after September 30, 2025, the amendments made by subsections (a) and (b) shall take effect as if enacted on September 30, 2025.

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2025-09-26
  2. Passed House
  3. Passed Senate
  4. Conference
  5. To President
  6. Became Law

To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program.

Sponsors

Rep. Andrew Garbarino (R) sponsors H.R. 5577, and 6 members have co-sponsored it.

Committees

H.R. 5577 went before 1 committee: Financial Services.

Financial Services
Financial Services
Reported By · Jan 15, 2026 · 559 Bills

Reports

1 committee report has been filed on H.R. 5577, the latest H. Rept. 119-456.

Actions

H.R. 5577 has taken 7 actions since Sep 26, 2025, the latest on Jan 15, 2026.

ChamberAction
Jan 15, 2026
House
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-456.Financial Services Committee
Jan 15, 2026
House
Placed on the Union Calendar, Calendar No. 391.
Dec 17, 2025
House
Ordered to be Reported (Amended) by the Yeas and Nays: 53 - 0.Financial Services Committee
Dec 17, 2025
House
Committee Consideration and Mark-up Session HeldFinancial Services Committee
Dec 16, 2025
House
Committee Consideration and Mark-up Session HeldFinancial Services Committee

Votes

H.R. 5577 has not gone to a roll call.

1 bill is related to H.R. 5577.

Titles

H.R. 5577 goes by 4 titles, 2 of them short titles.

  • NFIP Extension Act of 2026 — Short Title(s) as Reported to House
  • NFIP Extension Act of 2026 — Display Title
  • NFIP Extension Act of 2026 — Short Title(s) as Introduced
  • To amend the National Flood Insurance Act of 1968 to reauthorize the National Flood Insurance Program. — Official Title as Introduced

Cost estimate

The Congressional Budget Office has filed 1 estimate for H.R. 5577, the latest on Jan 13, 2026.

Lobbying

10 clients hired 11 firms and 106 registered lobbyists who named H.R. 5577 in 32 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Insurance, Taxation/Internal Revenue Code, Financial Institutions/Investments/Securities, Torts, Budget/Appropriations, Housing, Agriculture, Banking.

Clients

Who paid to be heard, by how many filings named the bill.

ClientBusinessStateFirmsFilingsReported
AMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATION—District of Columbia28$210K
INDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA—District of Columbia14—
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES—District of Columbia14—
REINSURANCE ASSN OF AMERICA—District of Columbia14—
AMERICAN BANKERS ASSOCIATION—District of Columbia13—
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS—District of Columbia13—
INDEPENDENT COMMUNITY BANKERS OF AMERICA—District of Columbia12—
MORTGAGE BANKERS ASSOCIATION—District of Columbia12—
AMERICANS FOR FINANCIAL REFORM—District of Columbia11—
NATIONAL MULTIFAMILY HOUSING COUNCIL INC—District of Columbia11—

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
AMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATION FKA PROPERTY CASUALTY INSURERS ASSOC. OF AMERICA15—
INDEPENDENT INSURANCE AGENTS & BROKERS OF AMERICA14—
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES14—
REINSURANCE ASSN OF AMERICA14—
AMERICAN BANKERS ASSOCIATION13—
CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS13—
OGR13$210K
INDEPENDENT COMMUNITY BANKERS OF AMERICA12—
MORTGAGE BANKERS ASSOCIATION12—
AMERICANS FOR FINANCIAL REFORM11—
NATIONAL MULTIFAMILY HOUSING COUNCIL, INC.11—

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 106.

LobbyistFirmsClientsFilings
BRETT HEWITT115
DAVID PEARCE115
DONALD GRIFFIN115
MONA DOOLEY115
ROBERT GORDON115
SAM WHITFIELD115
STEF ZIELEZIENSKI115
THERESA PETTIGREW115
ANTHONY COTTO114
COREY MILLER114
JAMES GRANDE114
KATHERINE DUVENECK114
NATHAN RIEDEL114
NICHOLAS BOUKNIGHT114
NICOLE AUSTIN114
RAAED HADDAD114
ROBERT MCCARTY114
ALEX CATANESE113
ALISON TOUHEY113
ALISSA CLEES113

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

ClientRegistrantPeriodReportedDocument
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2026 second_quarter$3.5M2nd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2026 first_quarter$3.1M1st Quarter - Report
AMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATIONAMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATION FKA PROPERTY CASUALTY INSURERS ASSOC. OF AMERICA2026 second_quarter$2.1M2nd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2025 fourth_quarter$1.7M4th Quarter - Report
NATIONAL MULTIFAMILY HOUSING COUNCIL INCNATIONAL MULTIFAMILY HOUSING COUNCIL, INC.2025 fourth_quarter$1.6M4th Quarter - Report
AMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATIONAMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATION FKA PROPERTY CASUALTY INSURERS ASSOC. OF AMERICA2026 first_quarter$1.4M1st Quarter - Report
AMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATIONAMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATION FKA PROPERTY CASUALTY INSURERS ASSOC. OF AMERICA2025 third_quarter$1.4M3rd Quarter - Amendme…
AMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATIONAMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATION FKA PROPERTY CASUALTY INSURERS ASSOC. OF AMERICA2025 third_quarter$1.4M3rd Quarter - Report
AMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATIONAMERICAN PROPERTY CASUALTY INSURANCE ASSOCIATION FKA PROPERTY CASUALTY INSURERS ASSOC. OF AMERICA2025 fourth_quarter$1.4M4th Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2026 second_quarter$1.3M2nd Quarter - Report
INDEPENDENT COMMUNITY BANKERS OF AMERICAINDEPENDENT COMMUNITY BANKERS OF AMERICA2025 fourth_quarter$1.3M4th Quarter - Report
MORTGAGE BANKERS ASSOCIATIONMORTGAGE BANKERS ASSOCIATION2026 second_quarter$1.2M2nd Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2026 first_quarter$1.1M1st Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2025 fourth_quarter$1.1M4th Quarter - Report
INDEPENDENT COMMUNITY BANKERS OF AMERICAINDEPENDENT COMMUNITY BANKERS OF AMERICA2026 first_quarter$890K1st Quarter - Report
MORTGAGE BANKERS ASSOCIATIONMORTGAGE BANKERS ASSOCIATION2026 first_quarter$770K1st Quarter - Report
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIESNATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES2026 second_quarter$540K2nd Quarter - Report
REINSURANCE ASSN OF AMERICAREINSURANCE ASSN OF AMERICA2026 first_quarter$520K1st Quarter - Report
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIESNATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES2026 first_quarter$506.4K1st Quarter - Report
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIESNATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES2025 fourth_quarter$465.8K4th Quarter - Report

Classification

The Congressional Research Service files H.R. 5577 under Finance and Financial Sector, one of its 31 policy areas, and gives it 3 legislative subjects.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 5577’s is Finance and Financial Sector.

hr5577/policy-areas.txt
Finance and Financial SectorAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Legislative Subjects

H.R. 5577 carries 3 of CRS’s legislative subjects, from Disaster relief and insurance to Natural disasters.

hr5577/subjects.txt
Disaster relief and insuranceFloods and storm protectionNatural disasters

Constitutional authority

The clause the sponsor cites as Congress’s power to enact H.R. 5577, as entered in the Congressional Record.

[Congressional Record Volume 171, Number 158 (Friday, September 26, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. GARBARINO:H.R. 5577.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8[Page H4502]

Source: congress.gov · legiscan.com