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HR 2317 104th Congress House

Earthquake Insurance Availability Act of 1995

Official title: To define the circumstances under which earthquake insurance requirements may be imposed by the Federal Home Loan Mortgage Corporation on a specifically targeted State or area.

Introduced: September 12, 1995 Introduced by: Waters, Maxine Democratic · California See on congress.gov
Housing and Community Development Earthquake insuranceEmergency ManagementFederal mandatesFederal-state relations
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Finance and Financial SectorGovernment Operations and PoliticsMortgage loansSecondary mortgage market
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This bill died when the 104th Congress ended
It never became law before the 104th Congress (1995–1996) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Sep 15, 1995
Referred to the Subcommittee on Capital Markets, Securities and Government Sponsored Enterprises.
Sep 15, 1995
Referred to the Subcommittee on Housing and Community Opportunity.
Sep 12, 1995
Referred to the House Committee on Banking and Financial Services. subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Sep 12, 1995
Introduced in House
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 Latest action September 15, 1995

Referred to the Subcommittee on Capital Markets, Securities and Government Sponsored Enterprises.

 Plain-English summary Congressional Research Service

Earthquake Insurance Availability Act of 1995 - Amends the Federal Home Loan Mortgage Corporation Act to authorize the Federal Home Loan Mortgage Corporation to impose earthquake insurance requirements targeted to a specific State or area if, and only if, the State insurance commissioner certifies the existence of reasonable insurance capacity in the State. Delineates certification criteria for consideration by a State insurance commissioner.

 Related & companion bills 2
  • HR 2309 Identical bill Earthquake Insurance Availability Act of 1995
  • S 1119 Identical bill Earthquake Insurance Availability Act of 1995
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
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APA
U.S. Congress. (2026). H.R. 2317: Earthquake Insurance Availability Act of 1995. 104th Congress. Open America. https://openamerica.io/bill/104-HR-2317/
MLA
"H.R. 2317: Earthquake Insurance Availability Act of 1995." 104th Congress, 2026, Open America, https://openamerica.io/bill/104-HR-2317/.
Bluebook (legal)
H.R. 2317, 104th Cong. (2026), https://openamerica.io/bill/104-HR-2317/.
Markdown link
[H.R. 2317: Earthquake Insurance Availability Act of 1995](https://openamerica.io/bill/104-HR-2317/)
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