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Homeowners' Defense Act of 2007
To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events.
previous 110th session of congress Other Bill Titles (4 more)Hide Other Bill Titles- Official: To ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. as introduced.
- Short: Homeowners' Defense Act of 2007 as passed house.
- Short: Homeowners' Defense Act of 2007 as reported to house.
- Short: Homeowners' Defense Act of 2007 as introduced.
11/8/2007--Passed House amended. Homeowners' Defense Act of 2007 - Declares that the purpose of this Act is to provide federal support for state-sponsored insurance programs to:
(1) help homeowners prepare for and recover from damages caused by natural catastrophes; and <br />(2) promote the use of private market capital as a means to insure against such catastrophes.
Title I: National Catastrophe Risk Consortium -
(Sec. 101) Establishes the National Catastrophe Risk Consortium as a nonprofit, nonfederal entity to:
(1) inventory catastrophe risk obligations held by state reinsurance funds, and state residual insurance market entities;
(2) issue, on a conduit basis, securities and other financial instruments linked to catastrophe risks insured or reinsured through Consortium members;
(3) act as a centralized repository of state risk information accessible by private-market participants seeking to participate in either such financial instruments or certain reinsurance contracts; and
(4) perform research and analysis that encourages standardization of the risk-linked securities market.
Makes eligible to join the Consortium any:
(1) state that has established a reinsurance fund or has authorized operation of a state residual insurance market entity; or
(2) state-sponsored provider of natural catastrophe insurance.
(Sec. 107) Shields the federal government and the Consortium from liability arising from Consortium actions. Requires participating states to retain all catastrophe risk until completion of specified transactions.
(Sec. 108) Authorizes appropriations for FY2008-FY2013.
Title II: National Homeowners' Insurance Stabilization Program -
(Sec. 201) Instructs the Secretary of the Treasury to implement a program to make liquidity loans and catastrophic loans to qualified reinsurance programs to:
(1) ensure their solvency;
(2) improve the availability and affordability of homeowners' insurance;
(3) encourage risk transfer to the private capital and reinsurance markets; and
(4) spread the risk of catastrophic financial loss resulting from natural disasters and catastrophic events.
(Sec. 202) Prescribes terms and conditions for liquidity loans and catastrophic loans for qualified reinsurance programs. Authorizes the Secretary to enter into loan contracts.
Requires as one prerequisite for such a loan to a qualified reinsurance program that before the loan is made the state or regional reinsurance program enter into an agreement with the Secretary that the state will not use federal funds of any kind or from any federal source (including any disaster or other financial assistance, loan proceeds, and any other assistance or subsidy) to repay the loan.
Cites circumstances under which the Secretary is required to make loans upon request of a qualified reinsurance program.
Limits the use of such loans solely to providing reinsurance or retrocessional coverage to underlying primary insurers or reinsurers for losses arising from specified personal residential lines of insurance.
(Sec. 204) Authorizes the Secretary to establish a fee collection program to implement this Act.
Instructs the Secretary to require full repayment of all loans made under this Act.
Title III: Reinsurance Coverage for Qualified Reinsurance Programs -
(Sec. 301) Authorizes the Secretary to make contracts for reinsurance coverage under this title available for purchase only by qualified reinsurance programs.
(Sec. 302) Declares that contracts for reinsurance coverage made available under this title:
(1) shall not displace or compete with the private insurance or reinsurance markets or the capital market;
(2) shall minimize the administrative costs of the federal government; and
(3) shall provide coverage based solely on insured losses covered by the qualified reinsurance program purchasing the contract.
(Sec. 303) Specifies terms and conditions of qualified reinsurance programs, including:
(1) a minimum attachment point; and
(2) 90% coverage of insured losses in excess of retained losses.
(Sec. 304) Sets the maximum aggregate potential federal liability for payment of claims under all reinsurance contracts sold in any single year at $200 billion, or such lesser amount as the Secretary determines based on review of the reinsurance market.
Limits the authority of the Secretary to enter into reinsurance contracts for any fiscal year to the extent or in such amounts as are or have been provided in appropriation Acts for that fiscal year.
(Sec. 305) Establishes in the Treasury the Federal Natural Catastrophe Reinsurance Fund, to be credited with amounts received annually from the sale of reinsurance contracts, appropriations, and any amounts earned on investments.
Authorizes the Secretary to invest in U.S. bonds any amounts in the Fund in excess of current needs.
Title IV: General Provisions -
(Sec. 401) Prescribes criteria for a qualified reinsurance program under this Act.
Directs the Secretary to establish procedures for state and regional reinsurance programs and certain state residual insurance market entities to apply for certification (and recertification) as qualified reinsurance programs.
Requires each qualified reinsurance program (except any existing state residual insurance market entity, or state-sponsored provider of natural catastrophe insurance, deemed to be a qualified reinsurance program during an initial five-year transition period) to:
(1) maintain risk-based capital in accordance with requirements established by the Secretary, in consultation with the National Association of Insurance Commissioners (NAIC) and consistent with the NAIC Risk-Based Capital Model Act; and
(2) take into consideration asset risk, credit risk, underwriting risk, and other relevant risks.
Directs the Secretary to recognize and give credit for the ability of any qualified reinsurance program to access capital through the liquidity loan program (established under title II of this Act) to the extent that such program is deficient in complying with any aspect of risk-based capital requirements.
Requires the Secretary to increase the credit recognized and given for a qualified reinsurance program by an amount equal to the losses paid by the program as a result of a catastrophe.
(Sec. 402) Directs the Secretary to study, on an expedited basis, the need for and impact of expanding the programs established by this Act to apply to insured losses of qualified reinsurance programs for losses arising from all commercial insurance policies covering properties composed predominantly of residential rental units (commercial residential lines of insurance).
Requires the Secretary, to the extent a need to expand is determined, and that such expansion will be effective in increasing insurance capacity for the commercial residential insurance market, to:
(1) apply the provisions of this Act, as appropriate, to any such insured losses of a qualified reinsurance program; and
(2) provide restrictions, limitations, or conditions with respect to the programs under this Act that the Secretary deems appropriate, based on the study.
... morehide bill summarySee Full Bill Text
Sponsor
- Rep. Ron Klein [D, FL-22]
- and 41 Co-Sponsors
- Rep. Neil Abercrombie [D, HI-1]
- Rep. Michael Arcuri [D, NY-24]
- Rep. Bruce Braley [D, IA-1]
- Rep. Corrine Brown [D, FL-3]
- Rep. Virginia Brown-Waite [R, FL-5]
- Rep. Donna Christensen [D, VI-0]
- Rep. Emanuel Cleaver [D, MO-5]
- Rep. James Clyburn [D, SC-6]
- Robert Cramer
- Rep. Joseph Crowley [D, NY-7]
- Rep. William Delahunt [D, MA-10]
- Rep. Rahm Emanuel [D, IL-5]
- Rep. Sam Farr [D, CA-17]
- Rep. Phil Hare [D, IL-17]
- Rep. Alcee Hastings [D, FL-23]
- Rep. Baron Hill [D, IN-9]
- Rep. Mazie Hirono [D, HI-2]
- Rep. Jay Inslee [D, WA-1]
- Bobby Jindal
- Rep. Henry Johnson [D, GA-4]
- Stephanie Jones
- Rep. Steve Kagen [D, WI-8]
- Rep. Patrick Kennedy [D, RI-1]
- Nicholas Lampson
- Rep. John Larson [D, CT-1]
- Rep. Stephen Lynch [D, MA-9]
- Tim Mahoney
- Rep. Carolyn Maloney [D, NY-14]
- Rep. Carolyn McCarthy [D, NY-4]
- Rep. Jerry McNerney [D, CA-11]
- Rep. Kendrick Meek [D, FL-17]
- Rep. Charles Melancon [D, LA-3]
- Rep. James Moran [D, VA-8]
- Rep. Ed Perlmutter [D, CO-7]
- Rep. Timothy Ryan [D, OH-17]
- Rep. Albio Sires [D, NJ-13]
- Rep. Ellen Tauscher [D, CA-10]
- Rep. Timothy Walz [D, MN-1]
- Rep. Debbie Wasserman Schultz [D, FL-20]
- Rep. Anthony Weiner [D, NY-9]
- Rep. Robert Wexler [D, FL-19]
Committees
Amendments
This bill has 12 amendments. See All AmendmentsHide All Amendments
Amendments to H.R.3355
| Number | Status | Purpose |
|---|---|---|
| H.Amdt885 | Pass | An amendment numbered 17 printed in the Congressional Record to make technical and conforming changes; add a new title which inserts new provisions on reinsurance coverage for qualified reinsurance programs; and to insert provisions requiring a study on the need for conditional coverage of commercial residential lines of insurance. |
| H.Amdt886 | Fail | An amendment numbered 6 printed in the Congressional Record to insert clarifying language to the bill relating to best practices in building codes. |
| H.Amdt887 | Pass | An amendment numbered 14 printed in the Congressional Record to include language which clarifies mitigation measures and encourages state and local governments to develop comprehensive land use and zoning plans that include natural hazard mitigation. |
| H.Amdt888 | Fail | An amendment numbered 13 printed in the Congressional Record to insert clarifying language with respect to catastrophic loans and losses covered by such loans. |
| H.Amdt889 | Withdrawn | An amendment numbered 2 printed in the Congressional Record to insert provisions which help to limit developer overbuilding in areas subject to risk of catastrophic financial loss. |
| H.Amdt890 | Fail | An amendment numbered 1 printed in the Congressional Record to insert clarifying language relating to delinquency of loans made for assistance in connection with a natural or other major disaster. |
| H.Amdt891 | Pass | An amendment numbered 4 printed in the Congressional Record to require that annual reports shall include an assessment of the costs to states and regions associated with catastrophe risk and an analysis of the costs and benefits, for states not participating in the consortium. |
| H.Amdt892 | Offered | An amendment numbered 12 printed in the Congressional Record to insert clarifying language relating to price gouging. |
| H.Amdt893 | Pass | An amendment to modify the instruction prohibiting price gouging by replacing it with language discouraging price gouging. |
| H.Amdt894 | Pass | An amendment numbered 15 printed in the Congressional Record to insert language prohibiting use of Federal funds of any kind or from any Federal source (including any disaster or other financial assistance, loan proceeds, and any other assistance or subsidy) to repay a loan. |
| H.Amdt895 | Fail | An amendment in the nature of a substitute numbered 5 printed in the Congressional Record to insert a complete new text. |
| H.Amdt896 | Withdrawn | An amendment numbered 3 printed in the Congressional Record to provide for inclusion of business owners under the provisions of the bill. |
Bill Status
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| Introduced |  | Voted on by House |  | Voted on by Senate | | Considered By President | | Bill Becomes Law |
| August 03, 2007 | November 08, 2007 |
Latest Vote
| November 08, 2007Roll call number 1074 in the House | |||
| Question: On Passage: H R 3355 Homeowners’ Defense Act of 2007 | |||
| Required percentage of 'Aye' votes: 1/2 (50%) | Percentage of 'aye' votes: 59% | Result: Passed | |
Democrats Voting 'Aye'
Rep. Neil Abercrombie [D, HI-1]Rep. Gary Ackerman [D, NY-5]
Thomas Allen
Rep. Jason Altmire [D, PA-4]
Rep. Robert Andrews [D, NJ-1]
Rep. Michael Arcuri [D, NY-24]
Rep. Joe Baca [D, CA-43]
Rep. Brian Baird [D, WA-3]
Rep. Tammy Baldwin [D, WI-2]
Rep. John Barrow [D, GA-12]
Rep. Xavier Becerra [D, CA-31]
Rep. Shelley Berkley [D, NV-1]
Rep. Howard Berman [D, CA-28]
Rep. Robert Berry [D, AR-1]
Rep. Sanford Bishop [D, GA-2]
Rep. Timothy Bishop [D, NY-1]
Rep. Leonard Boswell [D, IA-3]
Rep. Frederick Boucher [D, VA-9]
Rep. F. Boyd [D, FL-2]
Rep. Robert Brady [D, PA-1]
Rep. Bruce Braley [D, IA-1]
Rep. Corrine Brown [D, FL-3]
Rep. George Butterfield [D, NC-1]
Rep. Lois Capps [D, CA-23]
Rep. Michael Capuano [D, MA-8]
Rep. Dennis Cardoza [D, CA-18]
Rep. Russ Carnahan [D, MO-3]
Rep. Christopher Carney [D, PA-10]
Rep. Kathy Castor [D, FL-11]
Rep. Ben Chandler [D, KY-6]
Rep. Yvette Clarke [D, NY-11]
Rep. William Clay [D, MO-1]
Rep. Emanuel Cleaver [D, MO-5]
Rep. James Clyburn [D, SC-6]
Rep. Steve Cohen [D, TN-9]
Rep. John Conyers [D, MI-14]
Rep. Jim Costa [D, CA-20]
Rep. Jerry Costello [D, IL-12]
Rep. Joe Courtney [D, CT-2]
Robert Cramer
Rep. Joseph Crowley [D, NY-7]
Rep. Henry Cuellar [D, TX-28]
Rep. Elijah Cummings [D, MD-7]
Rep. Artur Davis [D, AL-7]
Rep. Danny Davis [D, IL-7]
Rep. Lincoln Davis [D, TN-4]
Rep. Susan Davis [D, CA-53]
Rep. Peter DeFazio [D, OR-4]
Rep. Diana DeGette [D, CO-1]
Rep. William Delahunt [D, MA-10]
Rep. Rosa DeLauro [D, CT-3]
Rep. Norman Dicks [D, WA-6]
Rep. John Dingell [D, MI-15]
Rep. Lloyd Doggett [D, TX-25]
Rep. Joe Donnelly [D, IN-2]
Rep. Michael Doyle [D, PA-14]
Rep. Thomas Edwards [D, TX-17]
Rep. Keith Ellison [D, MN-5]
Rep. Brad Ellsworth [D, IN-8]
Rep. Rahm Emanuel [D, IL-5]
Rep. Eliot Engel [D, NY-17]
Rep. Anna Eshoo [D, CA-14]
Rep. Bob Etheridge [D, NC-2]
Rep. Sam Farr [D, CA-17]
Rep. Chaka Fattah [D, PA-2]
Rep. Bob Filner [D, CA-51]
Rep. Barney Frank [D, MA-4]
Rep. Kirsten Gillibrand [D, NY-20]
Rep. Charles Gonzalez [D, TX-20]
Rep. Barton Gordon [D, TN-6]
Rep. Raymond Green [D, TX-29]
Rep. Al Green [D, TX-9]
Rep. Raul Grijalva [D, AZ-7]
Rep. Luis Gutiérrez [D, IL-4]
Rep. John Hall [D, NY-19]
Rep. Phil Hare [D, IL-17]
Rep. Jane Harman [D, CA-36]
Rep. Alcee Hastings [D, FL-23]
Rep. Stephanie Herseth Sandlin [D, SD-0]
Rep. Brian Higgins [D, NY-27]
Rep. Baron Hill [D, IN-9]
Rep. Maurice Hinchey [D, NY-22]
Rep. Rubén Hinojosa [D, TX-15]
Rep. Mazie Hirono [D, HI-2]
Rep. Paul Hodes [D, NH-2]
Rep. Tim Holden [D, PA-17]
Rep. Rush Holt [D, NJ-12]
Rep. Michael Honda [D, CA-15]
Darlene Hooley
Rep. Steny Hoyer [D, MD-5]
Rep. Jay Inslee [D, WA-1]
Rep. Steve Israel [D, NY-2]
Rep. Jesse Jackson [D, IL-2]
Rep. Sheila Jackson-Lee [D, TX-18]
William Jefferson
Rep. Eddie Johnson [D, TX-30]
Rep. Henry Johnson [D, GA-4]
Stephanie Jones
Rep. Steve Kagen [D, WI-8]
Rep. Paul Kanjorski [D, PA-11]
Rep. Marcy Kaptur [D, OH-9]
Rep. Patrick Kennedy [D, RI-1]
Rep. Dale Kildee [D, MI-5]
Rep. Carolyn Kilpatrick [D, MI-13]
Rep. Ronald Kind [D, WI-3]
Rep. Ron Klein [D, FL-22]
Rep. Dennis Kucinich [D, OH-10]
Nicholas Lampson
Rep. James Langevin [D, RI-2]
Rep. Rick Larsen [D, WA-2]
Rep. John Larson [D, CT-1]
Rep. Barbara Lee [D, CA-9]
Rep. John Lewis [D, GA-5]
Rep. Daniel Lipinski [D, IL-3]
Rep. David Loebsack [D, IA-2]
Rep. Zoe Lofgren [D, CA-16]
Rep. Nita Lowey [D, NY-18]
Rep. Stephen Lynch [D, MA-9]
Tim Mahoney
Rep. Carolyn Maloney [D, NY-14]
Rep. Edward Markey [D, MA-7]
Rep. James Marshall [D, GA-8]
Rep. Jim Matheson [D, UT-2]
Rep. Doris Matsui [D, CA-5]
Rep. Carolyn McCarthy [D, NY-4]
Rep. Betty McCollum [D, MN-4]
Rep. James McDermott [D, WA-7]
Rep. James McGovern [D, MA-3]
Rep. Mike McIntyre [D, NC-7]
Rep. Jerry McNerney [D, CA-11]
Michael McNulty
Rep. Kendrick Meek [D, FL-17]
Rep. Gregory Meeks [D, NY-6]
Rep. Charles Melancon [D, LA-3]
Rep. Michael Michaud [D, ME-2]
Rep. George Miller [D, CA-7]
Rep. R. Miller [D, NC-13]
Rep. Harry Mitchell [D, AZ-5]
Rep. Alan Mollohan [D, WV-1]
Rep. Dennis Moore [D, KS-3]
Rep. Gwen Moore [D, WI-4]
Rep. James Moran [D, VA-8]
Rep. Christopher Murphy [D, CT-5]
Rep. Patrick Murphy [D, PA-8]
Rep. John Murtha [D, PA-12]
Rep. Jerrold Nadler [D, NY-8]
Rep. Grace Napolitano [D, CA-38]
Rep. Richard Neal [D, MA-2]
Rep. David Obey [D, WI-7]
Rep. John Olver [D, MA-1]
Rep. Solomon Ortiz [D, TX-27]
Rep. Frank Pallone [D, NJ-6]
Rep. William Pascrell [D, NJ-8]
Rep. Edward Pastor [D, AZ-4]
Rep. Donald Payne [D, NJ-10]
Rep. Collin Peterson [D, MN-7]
Rep. Earl Pomeroy [D, ND-0]
Rep. David Price [D, NC-4]
Rep. Nick Rahall [D, WV-3]
Rep. Charles Rangel [D, NY-15]
Rep. Silvestre Reyes [D, TX-16]
Rep. Laura Richardson [D, CA-37]
Rep. Ciro Rodriguez [D, TX-23]
Rep. Mike Ross [D, AR-4]
Rep. Steven Rothman [D, NJ-9]
Rep. Lucille Roybal-Allard [D, CA-34]
Rep. C.A. Ruppersberger [D, MD-2]
Rep. Bobby Rush [D, IL-1]
Rep. Timothy Ryan [D, OH-17]
Rep. John Salazar [D, CO-3]
Rep. Loretta Sanchez [D, CA-47]
Rep. Linda Sánchez [D, CA-39]
Rep. John Sarbanes [D, MD-3]
Rep. Janice Schakowsky [D, IL-9]
Rep. Adam Schiff [D, CA-29]
Rep. Allyson Schwartz [D, PA-13]
Rep. David Scott [D, GA-13]
Rep. Robert Scott [D, VA-3]
Rep. José Serrano [D, NY-16]
Rep. Joe Sestak [D, PA-7]
Rep. Carol Shea-Porter [D, NH-1]
Rep. Brad Sherman [D, CA-27]
Rep. Heath Shuler [D, NC-11]
Rep. Albio Sires [D, NJ-13]
Rep. Ike Skelton [D, MO-4]
Rep. Louise Slaughter [D, NY-28]
Rep. Adam Smith [D, WA-9]
Rep. Victor Snyder [D, AR-2]
Rep. Hilda Solis [D, CA-32]
Rep. Zachary Space [D, OH-18]
Rep. John Spratt [D, SC-5]
Rep. Fortney Stark [D, CA-13]
Rep. Bart Stupak [D, MI-1]
Rep. Betty Sutton [D, OH-13]
Rep. John Tanner [D, TN-8]
Rep. Ellen Tauscher [D, CA-10]
Rep. Gene Taylor [D, MS-4]
Rep. Bennie Thompson [D, MS-2]
Rep. C. Thompson [D, CA-1]
Rep. John Tierney [D, MA-6]
Rep. Edolphus Towns [D, NY-10]
Rep. Niki Tsongas [D, MA-5]
Sen. Mark Udall [D, CO]
Sen. Tom Udall [D, NM]
Rep. Christopher Van Hollen [D, MD-8]
Rep. Nydia Velázquez [D, NY-12]
Rep. Peter Visclosky [D, IN-1]
Rep. Timothy Walz [D, MN-1]
Rep. Debbie Wasserman Schultz [D, FL-20]
Rep. Maxine Waters [D, CA-35]
Rep. Diane Watson [D, CA-33]
Rep. Henry Waxman [D, CA-30]
Rep. Anthony Weiner [D, NY-9]
Rep. Peter Welch [D, VT-0]
Rep. Robert Wexler [D, FL-19]
Rep. Charles Wilson [D, OH-6]
Rep. Lynn Woolsey [D, CA-6]
Rep. David Wu [D, OR-1]
Rep. John Yarmuth [D, KY-3]
Republicans Voting 'Aye'
Rep. Gus Bilirakis [R, FL-9]Rep. Mary Bono Mack [R, CA-45]
Rep. Charles Boustany [R, LA-7]
Rep. Henry Brown [R, SC-1]
Rep. Virginia Brown-Waite [R, FL-5]
Rep. Vern Buchanan [R, FL-13]
Rep. Dan Burton [R, IN-5]
Rep. John Campbell [R, CA-48]
Rep. Ander Crenshaw [R, FL-4]
Rep. Lincoln Diaz-Balart [R, FL-21]
Rep. Mario Diaz-Balart [R, FL-25]
Thelma Drake
Tom Feeney
Michael Ferguson
Rep. James Forbes [R, VA-4]
Wayne Gilchrest
David Hobson
Rep. Timothy Johnson [R, IL-15]
Rep. Walter Jones [R, NC-3]
Ric Keller
Rep. Peter King [R, NY-3]
Rep. Mark Kirk [R, IL-10]
Ron Lewis
Rep. Frank LoBiondo [R, NJ-2]
Rep. Connie Mack [R, FL-14]
Rep. John Mica [R, FL-7]
Rep. Jeff Miller [R, FL-1]
Charles Pickering
Rep. Ted Poe [R, TX-2]
Rep. Adam Putnam [R, FL-12]
Rep. Ileana Ros-Lehtinen [R, FL-18]
H. Saxton
Rep. Christopher Smith [R, NJ-4]
Rep. Clifford Stearns [R, FL-6]
Rep. John Sullivan [R, OK-1]
David Weldon
Gerald Weller
Sen. Roger Wicker [R, MS]
Rep. C. W. Young [R, FL-10]
Republicans Voting 'Nay'
Rep. Robert Aderholt [R, AL-4]Rep. W. Akin [R, MO-2]
Rep. Rodney Alexander [R, LA-5]
Rep. Michele Bachmann [R, MN-6]
Rep. Spencer Bachus [R, AL-6]
Richard Baker
Rep. James Barrett [R, SC-3]
Rep. Roscoe Bartlett [R, MD-6]
Rep. Joe Barton [R, TX-6]
Rep. Judy Biggert [R, IL-13]
Rep. Brian Bilbray [R, CA-50]
Rep. Marsha Blackburn [R, TN-7]
Rep. Roy Blunt [R, MO-7]
Rep. John Boehner [R, OH-8]
Rep. Jo Bonner [R, AL-1]
Rep. John Boozman [R, AR-3]
Rep. Kevin Brady [R, TX-8]
Rep. Paul Broun [R, GA-10]
Rep. Michael Burgess [R, TX-26]
Rep. Ken Calvert [R, CA-44]
Rep. David Camp [R, MI-4]
Christopher Cannon
Rep. Eric Cantor [R, VA-7]
Rep. Shelley Capito [R, WV-2]
Rep. John Carter [R, TX-31]
Rep. Michael Castle [R, DE-0]
Steven Chabot
Rep. Howard Coble [R, NC-6]
Rep. Tom Cole [R, OK-4]
Rep. K. Conaway [R, TX-11]
Rep. John Culberson [R, TX-7]
Thomas Davis
Rep. Geoff Davis [R, KY-4]
David Davis
Rep. Nathan Deal [R, GA-9]
Rep. Charles Dent [R, PA-15]
John Doolittle
Rep. David Dreier [R, CA-26]
Rep. John Duncan [R, TN-2]
Rep. Vernon Ehlers [R, MI-3]
Rep. Jo Ann Emerson [R, MO-8]
Philip English
Terry Everett
Rep. Mary Fallin [R, OK-5]
Rep. Jeff Flake [R, AZ-6]
Rep. Jeffrey Fortenberry [R, NE-1]
Vito Fossella
Rep. Virginia Foxx [R, NC-5]
Rep. Trent Franks [R, AZ-2]
Rep. Rodney Frelinghuysen [R, NJ-11]
Rep. Elton Gallegly [R, CA-24]
Rep. E. Garrett [R, NJ-5]
Rep. Jim Gerlach [R, PA-6]
Rep. John Gingrey [R, GA-11]
Rep. Louis Gohmert [R, TX-1]
Virgil Goode
Rep. Robert Goodlatte [R, VA-6]
Rep. Kay Granger [R, TX-12]
Rep. Samuel Graves [R, MO-6]
Rep. Ralph Hall [R, TX-4]
Rep. Doc Hastings [R, WA-4]
Robin Hayes
Rep. Dean Heller [R, NV-2]
Rep. Jeb Hensarling [R, TX-5]
Rep. Walter Herger [R, CA-2]
Rep. Peter Hoekstra [R, MI-2]
Kenny Hulshof
Rep. Bob Inglis [R, SC-4]
Rep. Darrell Issa [R, CA-49]
Rep. Samuel Johnson [R, TX-3]
Rep. Jim Jordan [R, OH-4]
Rep. Steve King [R, IA-5]
Rep. Jack Kingston [R, GA-1]
Rep. John Kline [R, MN-2]
Joseph Knollenberg
John Kuhl
Rep. Doug Lamborn [R, CO-5]
Rep. Thomas Latham [R, IA-4]
Rep. Steven LaTourette [R, OH-14]
Rep. Jerry Lewis [R, CA-41]
Rep. John Linder [R, GA-7]
Rep. Frank Lucas [R, OK-3]
Rep. Donald Manzullo [R, IL-16]
Rep. Kenny Marchant [R, TX-24]
Rep. Kevin McCarthy [R, CA-22]
Rep. Michael McCaul [R, TX-10]
Rep. Thaddeus McCotter [R, MI-11]
Rep. Patrick Mchenry [R, NC-10]
Rep. John McHugh [R, NY-23]
Rep. Howard McKeon [R, CA-25]
Rep. Cathy McMorris Rodgers [R, WA-5]
Rep. Candice Miller [R, MI-10]
Rep. Gary Miller [R, CA-42]
Rep. Jerry Moran [R, KS-1]
Rep. Tim Murphy [R, PA-18]
Marilyn Musgrave
Rep. Sue Myrick [R, NC-9]
Rep. Randy Neugebauer [R, TX-19]
Rep. Devin Nunes [R, CA-21]
Rep. Ronald Paul [R, TX-14]
Steven Pearce
Rep. Mike Pence [R, IN-6]
John Peterson
Rep. Thomas Petri [R, WI-6]
Rep. Joseph Pitts [R, PA-16]
Rep. Todd Platts [R, PA-19]
Jon Porter
Rep. Tom Price [R, GA-6]
Deborah Pryce
Rep. George Radanovich [R, CA-19]
James Ramstad
Ralph Regula
Rep. Dennis Rehberg [R, MT-0]
Rep. Dave Reichert [R, WA-8]
Rick Renzi
Thomas Reynolds
Rep. Harold Rogers [R, KY-5]
Rep. Michael Rogers [R, AL-3]
Rep. Michael Rogers [R, MI-8]
Rep. Dana Rohrabacher [R, CA-46]
Rep. Peter Roskam [R, IL-6]
Rep. Edward Royce [R, CA-40]
Rep. Paul Ryan [R, WI-1]
Bill Sali
Rep. Jean Schmidt [R, OH-2]
Rep. F. Sensenbrenner [R, WI-5]
Rep. Peter Sessions [R, TX-32]
Rep. John Shadegg [R, AZ-3]
Christopher Shays
Rep. John Shimkus [R, IL-19]
Rep. William Shuster [R, PA-9]
Rep. Michael Simpson [R, ID-2]
Rep. Lamar Smith [R, TX-21]
Rep. Adrian Smith [R, NE-3]
Rep. Mark Souder [R, IN-3]
Thomas Tancredo
Rep. Lee Terry [R, NE-2]
Rep. William Thornberry [R, TX-13]
Rep. Todd Tiahrt [R, KS-4]
Rep. Patrick Tiberi [R, OH-12]
Rep. Michael Turner [R, OH-3]
Rep. Frederick Upton [R, MI-6]
Timothy Walberg
Rep. Greg Walden [R, OR-2]
James Walsh
Rep. Zach Wamp [R, TN-3]
Rep. Lynn Westmoreland [R, GA-3]
Rep. Edward Whitfield [R, KY-1]
Rep. Addison Wilson [R, SC-2]
Heather Wilson
Rep. Frank Wolf [R, VA-10]
Rep. Donald Young [R, AK-0]
Democrats Voting 'Abstain'
Rep. Melissa Bean [D, IL-8]Rep. Dan Boren [D, OK-2]
Julia Carson
Rep. Gabrielle Giffords [D, AZ-8]
Tom Lantos
Rep. Sander Levin [D, MI-12]
Rep. James Oberstar [D, MN-8]
Rep. Ed Perlmutter [D, CO-7]
Rep. Melvin Watt [D, NC-12]
Albert Wynn
Republicans Voting 'Abstain'
Rep. Rob Bishop [R, UT-1]Rep. Stephen Buyer [R, IN-4]
Barbara Cubin
J. Hastert
Duncan Hunter
Bobby Jindal
Ray LaHood
Rep. Daniel Lungren [R, CA-3]
James McCrery
Voting History
| Date | Chamber | Question | Aye | Nay | Result | |
|---|---|---|---|---|---|---|
| November 08, 2007 | House |
H.R.3355 Homeowners' Defense Act of 2007 On Passage: H R 3355 Homeowners’ Defense Act of 2007 |
258 | 155 | Passed | See Vote |
| November 08, 2007 | House |
H.R.3355 Homeowners' Defense Act of 2007 On Motion to Recommit with Instructions: H R 3355 Homeowners’ Defense Act of 2007 |
175 | 239 | Failed | See Vote |
| November 08, 2007 | House |
H.R.3355 Homeowners' Defense Act of 2007 On Agreeing to the Amendment: Amendment 11 to H R 3355 |
166 | 246 | Failed | See Vote |
| November 08, 2007 | House |
H.R.3355 Homeowners' Defense Act of 2007 On Agreeing to the Amendment: Amendment 6 to H R 3355 |
176 | 242 | Failed | See Vote |
| November 08, 2007 | House |
H.R.3355 Homeowners' Defense Act of 2007 On Agreeing to the Amendment: Amendment 4 to H R 3355 |
172 | 245 | Failed | See Vote |
| November 08, 2007 | House |
H.R.3355 Homeowners' Defense Act of 2007 On Agreeing to the Amendment: Amendment 2 to H R 3355 |
168 | 249 | Failed | See Vote |
| November 08, 2007 | House |
H.R.3355 Homeowners' Defense Act of 2007 On Agreeing to the Amendment: Amendment 1 to H R 3355 |
253 | 159 | Agreed to | See Vote |
All Bill Actions
- Nov 13, 2007: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Nov 08, 2007: The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 3355.
- Passed roll in the House on Nov 08, 2007. On passage Passed by recorded vote: 258 - 155 (Roll no. 1074).
- Passed roll in the House on Nov 08, 2007. On passage Passed by recorded vote: 258 - 155 (Roll no. 1074). (text:a CR H13345-13348)
- Nov 08, 2007: On motion to recommit with instructions Failed by recorded vote: 175 - 239 (Roll no. 1073).
- Nov 08, 2007: The previous question on the motion to recommit with instructions was ordered without objection.
- Nov 08, 2007: DEBATE - The House proceeded with 10 minutes of debate on the Capito motion to recommit with instructions. The instructions contained in the motion see to require the bill to be reported back to the House with amendments adding a new section pertaining to prohibiting cross-subsidization from middle america.
- Nov 08, 2007: Mrs. Capito moved to recommit with instructions to Financial Services.
- Nov 08, 2007: The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union.
- Nov 08, 2007: The previous question was ordered pursuant to the rule.
- Nov 08, 2007: The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3355.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Campbell amendment under the five-minute rule.
- Nov 08, 2007: VACATING REQUEST FOR RECORDED VOTE - Mr. Putnam asked unanimous consent to vacate his earlier request for a recorded vote on his amendment, to the end that the Chair put the question de novo. Agreed to without objection.
- Nov 08, 2007: POSTPONED PROCEEDINGS - At the conclusion of debate on the Shays amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mr. Shays demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Shays amendment in the nature of a substitute under the five-minute rule.
- Nov 08, 2007: POSTPONED PROCEEDINGS - At the conclusion of debate on the Putnam amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Mr. Putnam demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Putnam amendment under the five-minute rule.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Brown-Waite (FL) amendment under the five-minute rule.
- Nov 08, 2007: The Committee resumed its sitting.
- Nov 08, 2007: The Committee of the Whole rose informally to receive a communication from the President.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Matheson amendment under the five-minute rule.
- Nov 08, 2007: POSTPONED PROCEEDINGS - At the conclusion of debate on the Manzullo amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mr. Manzullo demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Manzullo amendment under the five-minute rule.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Castor amendment under the five-minute rule.
- Nov 08, 2007: POSTPONED PROCEEDINGS - At the conclusion of debate on the Roskam amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mr. Roskam demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Roskam amendment under the five-minute rule.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Murphy (CT) amendment under the five-minute rule.
- Nov 08, 2007: POSTPONED PROCEEDINGS - At the conclusion of debate on the Roskam amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mr. Roskam demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Roskam amendment under the five-minute rule.
- Nov 08, 2007: POSTPONED PROCEEDINGS - At the conclusion of debate on the Klein amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the ayes had prevailed. Mrs. Capito demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day.
- Nov 08, 2007: DEBATE - The Committee of the Whole proceeded with debate on the Klein amendment under the five-minute rule.
- Nov 08, 2007: GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 3355.
- Nov 08, 2007: The Speaker designated the Honorable Mike Ross to act as Chairman of the Committee.
- Nov 08, 2007: House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 802 and Rule XVIII.
- Nov 08, 2007: Rule provides for consideration of H.R. 3355 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. All points of order against consideration of the bill are waive except those arising under clause 9 or 10 of rule XXI. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill.
- Nov 08, 2007: Considered under the provisions of rule H. Res. 802.
- Nov 08, 2007: Rule H. Res. 802 passed House.
- Nov 06, 2007: Rules Committee Resolution H. Res. 802 Reported to House. Rule provides for consideration of H.R. 3355 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. All points of order against consideration of the bill are waive except those arising under clause 9 or 10 of rule XXI. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill.
- Added to calendar on Oct 31, 2007: Placed on the Union Calendar, Calendar No. 264..
- Oct 31, 2007: Reported (Amended) by the Committee on Financial Services. H. Rept. 110-419.
- Added to calendar on Sep 26, 2007: Ordered to be Reported (Amended) by the Yeas and Nays: 36 - 27..
- Sep 26, 2007: Committee Consideration and Mark-up Session Held.
- Sep 25, 2007: Committee Consideration and Mark-up Session Held.
- Sep 06, 2007: Subcommittee Hearings Held.
- Sep 05, 2007: Referred to the Subcommittee on Capital Markets, Insurance and Government Sponsored Enterprises.
- Sep 05, 2007: Referred to the Subcommittee on Housing and Community Opportunity.
- Aug 03, 2007: Referred to the House Committee on Financial Services.
- Introduced on Aug 03, 2007.
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In the News
November 13, 2007 BAD POLICY AND A DANGEROUS PRECEDENT
The Homeowners Defense Act (HR 3355) is a dangerous step toward a federal government subsidy of property insurance coverage for natural disasters. ...
Source: National Center for Policy Analysis, TX
November 12, 2007 Reinsurers Blast Federal Disaster Backup Plan Advancing in Congress
HR 3355, "The Homeowners Defense Act of 2007," passed the House on November 8; "The Homeowners Defense Act of 2007," was introduced in the Senate on ...
Source: Insurance Journal, CA
November 12, 2007 Senate Bills Add Momentum to Natural Catastrophe Debate
take different approaches to the issue and, combined with the recent legislation passed by the House of Representatives (HR 3355), set the stage for ...
Source: Insurance News Net (press release), PA
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Blog Coverage
December 27, 2008 Red Pill Republican: House Democrats introduced Martial Law
08.21.2994 - Waiving Points of Order against the conference report on H.R. 3355 (Roll 414) 08.18.1994 - Waiving Points of Order against the conference report on H.R. 4603 08.11.1994 - Waiving Points of order against the conference ...
Source: Red Pill Republican
December 25, 2008 Rep. Melancon Tackles Homeowners Insurance Affordability | Top ...
Rep. Melancon speaks in support of the Homeowners Defense Act (HR 3355), legislation he co-sponsored to tackle the rising cost of homeowners insurance in.
Source: Top Quality Insurance-Related Articles Discovered
December 25, 2008 Rep. Melancon Tackles Homeowners Insurance Affordability
Rep. Melancon Tackles Homeowners Insurance Affordability Rep. Melancon speaks in support of the Homeowners Defense Act (HR 3355), legislation he co-sponsored to tackle the rising... Top Articles Guide submitted by needcashloan2008.
Source: MyBlogLog - harropmike : New in my world
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