RPAC
House Committee Advances TRIA Reauthorization — What REALTORS® Need to Know
February 25, 2026
Late last month, the U.S. House Financial Services Committee took bipartisan action on a key insurance and commercial real estate measure — H.R. 7128, the TRIA Program Reauthorization Act of 2026. Terrorism insurance plays a vital role in real estate financing: without a reliable backstop, insurers might pull back coverage, making it harder and more expensive for commercial properties to secure loans or close deals. Reauthorizing TRIA before its current expiration helps preserve market stability, protect investment, and ensure continued economic confidence in commercial real estate markets.
The Terrorism Risk Insurance Act (TRIA) is a federal backstop established after the September 11, 2001 terrorist attacks to ensure terrorism insurance remains available and affordable for commercial property and casualty coverage. Commerce and insurance markets historically pulled back from offering such coverage after major losses in 2001, making federal involvement necessary to stabilize risk markets and protect lenders and property owners.
The bill now moves to the full House of Representatives for consideration.
About the 400N Market Brief
The 400 North Association of REALTORS® (400N) Market Brief is compiled by Georgia Multiple Listing Service (GAMLS). For more information on details of this month's report, please contact the Association at 770.845.4008.
*Each month, the numbers reported for the previous month are updated to reflect additional recordings.
About the 400 North Association of REALTORS®
The 400 North Association serves as a central source of information for our members and our main focus are real estate education, the promotion of professionalism in our industry and representing our REALTOR® members with legislative initiatives to create positive change for the real estate community. Throughout its history, the 400 North Association has exerted its influence in civic affairs in its capacity of representing a substantial segment of the business community across the Forsyth, Dawson and Lumpkin area. The Association has contributed to various charities over the years by hosting fundraisers.
About First Multiple Listing Service
First Multiple Listing Service (FMLS) is the premier data services provider for real estate professionals in Georgia. FMLS was founded in 1957 by a group of Brokers who wanted to share their listings and connect buyers and sellers. Today FMLS is the largest MLS in Georgia & the 4th largest MLS in the United States, serving nearly 54,000 real estate Agents & Brokers. For additional information or to start a discussion about how to partner with FMLS please contact join@fmls.com.