IIB 
116TH CONGRESS 
1ST SESSION H. R. 4634 
IN THE SENATE OF THE UNITED STATES 
NOVEMBER 19, 2019 
Received; read twice and referred to the Committee on Banking, Housing, and 
Urban Affairs 
AN ACT 
To reauthorize the Terrorism Risk Insurance Act of 2002, 
and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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(B) by striking ‘‘2024’’ and inserting 
‘‘2029’’. 
(c) ONGOING REPORTS REGARDING MARKET CONDI-
TIONS
FOR TERRORISM RISK INSURANCE.—Paragraph 
(2) of section 104(h) of the Terrorism Risk Insurance Act 
of 2002 (15 U.S.C. 6701 note) is amended— 
(1) 
by 
redesignating 
subparagraphs 
(B) 
through (E) as subparagraphs (C) through (F), re-
spectively; and 
(2) by inserting after subparagraph (A) the fol-
lowing new subparagraph: 
‘‘(B) an evaluation of the availability and 
affordability of terrorism risk insurance, which 
shall include an analysis of such availability and 
affordability specifically for places of worship;’’. 
(d) STUDY AND REPORT ON CYBER TERRORISM.— 
Not later than the expiration of the 180-day period begin-
ning on the date of the enactment of this Act, the Comp-
troller General of the United States shall conduct a study 
and report to the Committee on Financial Services of the 
House of Representatives and the Committee on Banking, 
Housing, and Urban Affairs of the Senate, which shall— 
(1) analyze and address— 
(A) overall vulnerabilities and potential 
costs of cyber attacks to the United States pub-
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lic and private infrastructure that could result 
in physical or digital damage; 
(B) whether State-defined cyber liability 
under a property and casualty line of insurance 
is adequate coverage for an act of cyber ter-
rorism; 
(C) whether such risks can be adequately 
priced by the private market; and 
(D) whether the current risk-share system 
under the Terrorism Risk Insurance Act of 
2002 is appropriate for a cyber terrorism event; 
and 
(2) set forth recommendations on how the Con-
gress could amend such Act to meet the next genera-
tion of cyber threats. 
SEC. 3. DETERMINATION OF BUDGETARY EFFECTS. 
The budgetary effects of this Act, for the purpose of 
complying with the Statutory Pay-As-You-Go-Act of 2010, 
shall be determined by reference to the latest statement 
titled ‘‘Budgetary Effects of PAYGO Legislation’’ for this 
Act, submitted for printing in the Congressional Record 
by the Chairman of the House Budget Committee, pro-
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vided that such statement has been submitted prior to the 
vote on passage. 
Passed the House of Representatives November 18, 
2019. 
Attest: 
CHERYL L. JOHNSON, 
Clerk. 
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