JORDAN HOWARD

Congressional efforts to better understand commercial use of artificial intelligence and its impact on consumers. Issues relating to reauthorization of the National Flood Insurance Program. Issues relating to the future of the Federal Insurance Office's (e.g., H.R. 643) with an emphasis on eliminating or constraining undue regulatory burdens (H.R. 3437 Insurance Data Protection Act). Issues relating to systemic risk, including the Financial Stability Oversight Council's (FSOC) oversight of insurance issues. Issues relating to the use of artificial intelligence (AI) in insurance, including an AI moratorium. Issues relating to climate-related property damage and impacts on insurance markets. Issues relating to state-based insurance regulation under the McCarran-Ferguson Act and federal initiatives impacting McCarran. Issues relating to macroeconomic factors influencing the affordability and availability of insurance. Issues relating to the Federal Housing Finance Agency's (FHFA) Seller/Servicer Guide indicating that qualified federally backed loans require replacement cost insurance coverage to be in place. Issues relating to disaster resiliency and expanding coverage for hazard mitigation. Issues relating to the insurance industry's response to recent disasters, including fires and hurricanes. Issues relating to effective and efficient federal response to natural disasters.

General tax issues related to property and casualty insurance provisions (e.g., discounting for loss reserving, proration rules, life/non-life consolidation rules). Tax treatment of third-party litigation funding returns.

Issues related to civil justice reform, including disclosure of third-party litigation funding.

Issues related to federal data security, cybersecurity, and consumer data privacy standards for insurance and financial institutions, including the reauthorization of the Cybersecurity Information Sharing Act of 2015 (CISA 2015).

Issues related to the insurance industry's use of weather data provided by the National Oceanic and Atmospheric Administration (NOAA).

Issues relating to regulatory implementation of auto and highway safety matters contained in the bipartisan Infrastructure Investment and Jobs Act (Public Law 117-58) and reauthorization of surface transportation programs. Legislative efforts to mitigate distracted driving. H.R. 3360 - "Driver Technology and Pedestrian Safety Act of 2025" H.R. 6078/S. 3503 - "Wildlife Road Crossings Program Reauthorization Act of 2025"