[2] On January 7, 2015 the House of Representatives voted 416-5 to approve the Terrorism Risk Insurance Program Reauthorization Act of 2015, (H.R.

L. 116–94 (text) (PDF)) which included the Terrorism Risk Insurance Program Reauthorization Act of 2019 extending the TRIA through December 31, 2027.

Before the September 11 attacks, business insurers generally neither charged for nor specifically excluded terrorism coverage.

The scope of the 9/11 attacks and the resulting $40 billion estimated insured loss changed perceptions dramatically.

[5] Much of the financial cost from the 9/11 attacks fell on reinsurers (that further spread the risk assumed by primary insurers).

"[6] The act expired on December 31, 2014, but was renewed at the start of the next congress, with President Barack Obama signing the extension on January 12, 2015.

[7] Many experts warn that "construction projects could be stalled and commercial loans on shopping malls, utilities and skyscrapers could be in jeopardy."

In addition, according to the Baltimore Sun, the National Football League denied rumors that it would cancel the Super Bowl over the issue.

It must be committed as part of an effort to coerce U.S. civilians or to influence either policy or conduct of the U.S. Government through coercion.