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H.R. 9916

U.S. House•In House Committee

Summary

H.R. 9916, the Lowering CAR Insurance Act, was introduced in the House on Jul 23, 2026 by Rep. Suzanne Lee (D). It was referred to Financial Services, and last saw action on Jul 23, 2026: Referred to the House Committee on Financial Services.

Record

Text

H.R. 9916 has no co-sponsors and has not gone to a roll call.

hb9916/introduced-in-house.txt
119 HR 9916 IH: Lowering Costs and Auto Rates for Insurance Act
 U.S. House of Representatives
 2026-07-23
 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  2d Session  H. R. 9916  IN THE HOUSE OF REPRESENTATIVES   July 23, 2026   Ms. Lee of Nevada  introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To require the Director of the Federal Insurance Office to submit an annual report to the President and certain congressional committees with respect to the automobile insurance industry, and for other purposes.
1.
Short title
This Act may be cited as the   Lowering Costs and Auto Rates for Insurance Act   or the   Lowering CAR Insurance Act  .
2.
Annual report with respect to the automobile insurance industry
(a)
In general
Section 313(n) of title 31, United States Code, is amended by adding at the end the following:
(3)
Automobile insurance
The Director shall submit a report on or before September 30 of each calender year to the President and to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate on the automobile insurance industry that contains—
(A)
legislative recommendations with respect to lowering the cost of automobile insurance; and
(B)
any other information with respect to the automobile insurance industry as deemed relevant by the Director or requested by such Committees.
 .
(b)
Effective date
The amendment made by this section shall take effect on the date that is 90 days after the date of the enactment of this section.

Tracker

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

  1. Introduced2026-07-23
  2. Passed House
  3. Passed Senate
  4. Conference
  5. To President
  6. Became Law

To require the Director of the Federal Insurance Office to submit an annual report to the President and certain congressional committees with respect to the automobile insurance industry, and for other purposes.

Sponsors

Rep. Suzanne Lee (D) sponsors H.R. 9916 alone.

Suzanne Lee

Rep. · D–NV-3 · Sponsor

Committees

H.R. 9916 went before 1 committee: Financial Services.

Financial Services
Financial Services
Referred To · Jul 23, 2026 · 559 Bills

Actions

H.R. 9916 has taken 2 actions since Jul 23, 2026.

ChamberAction
Jul 23, 2026
House
Introduced in House
Jul 23, 2026
House
Referred to the House Committee on Financial Services.Financial Services Committee

Votes

H.R. 9916 has not gone to a roll call.

Titles

H.R. 9916 goes by 4 titles, 2 of them short titles.

  • Lowering CAR Insurance Act — Display Title
  • Lowering CAR Insurance Act — Short Title(s) as Introduced
  • Lowering Costs and Auto Rates for Insurance Act — Short Title(s) as Introduced
  • To require the Director of the Federal Insurance Office to submit an annual report to the President and certain congressional committees with respect to the automobile insurance industry, and for other purposes. — Official Title as Introduced

Classification

The Congressional Research Service files H.R. 9916 under Finance and Financial Sector, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 9916’s is Finance and Financial Sector.

hr9916/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

Constitutional authority

The clause the sponsor cites as Congress’s power to enact H.R. 9916, as entered in the Congressional Record.

[Congressional Record Volume 172, Number 121 (Thursday, July 23, 2026)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Ms. LEE of Nevada:H.R. 9916.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8, Clause 18 provides Congress with thepower to ``make all Laws which shall be necessary and properfor carrying into Execution the foregoing Powers, and allother Powers vested by this Constitution in the Government ofthe United States, or in any Department or Officer thereof.''[Page H5198]

Source: congress.gov · legiscan.com