H.R. 762House115th Congress (2017-2019)In Committee

Holocaust Insurance Accountability Act of 2017

Introduced January 31, 2017

AI-Generated Summary

Updated April 15, 2026 at 12:07 PM UTC

The Holocaust Insurance Accountability Act of 2017 restores the ability of survivors and heirs to pursue claims on insurance policies issued during the Holocaust era. It lets them sue insurers in U.S. courts, overrides earlier Supreme Court rulings that said such claims were blocked by U.S. foreign policy, and sets a uniform ten‑year deadline for filing lawsuits. The law applies to any life, property, or other insurance issued between 1933 and 1945 to people in Nazi‑occupied areas or Switzerland.

Key Provisions

  • Creates a private right of action so beneficiaries can bring civil suits in U.S. district courts against insurers or their related companies to recover policy proceeds.
  • Overrides the Supreme Court’s preemption decision (Garamendi) and any executive agreements or foreign‑policy positions that would block state‑law disclosure requirements or lawsuits.
  • Establishes a 10‑year statute of limitations for any claim filed under this Act or related state laws, regardless of earlier deadlines.
  • Allows courts to award the policy amount, 6% compounded annual prejudgment interest, reasonable attorney fees, and, if the insurer acted in bad faith, treble damages.
  • Prevents prior judgments, settlements, or releases (including the 2015 class‑action settlement) from barring new claims under this Act.
  • Ensures state laws requiring insurers to disclose Holocaust‑era policy information remain enforceable and are not preempted by federal foreign policy.

Legislative Activity

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HouseIntro Referral Latest Action

Referred to the Committee on Foreign Affairs, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

January 31, 2017

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HouseIntro Referral

Introduced in House

January 31, 2017

HouseIntro Referral

Referred to the Committee on Foreign Affairs, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

January 31, 2017

Floor Debate

6 members

What members said about H.R. 762 on the floor

3 Republicans3 Democrats
Ileana Ros-Lehtinen
Rep. Ileana Ros-LehtinenR-FL-27 · Apr 24, 2018

Mr. Speaker, I claim the time in opposition to this measure. Mr. Speaker, I yield myself such time as I may consume. Mr. Speaker, I rise today to do something that I never would have thought that I…

Edward R. Royce
Rep. Edward R. RoyceR-CA-39 · Apr 24, 2018

Mr. Speaker, I yield myself such time as I may consume. Mr. Speaker, let me thank the gentlewoman from Florida (Ms. Ros- Lehtinen), the chairman emeritus of our committee, for her tireless work…

Joseph Crowley
Rep. Joseph CrowleyD-NY-14 · Apr 24, 2018

Mr. Speaker, I thank my friend and colleague from the Bronx, New York (Mr. Engel). He has been a true friend for many, many, many years. I thank him for yielding me this time. Mr. Speaker, I rise in…

Eliot L. Engel
Rep. Eliot L. EngelD-NY-16 · Apr 24, 2018

Mr. Speaker, I do. Mr. Speaker, I yield myself such time as I may consume. I rise in support of this bill, Mr. Speaker, first, let me thank Senator Baldwin and Senator Rubio for their tireless…

Theodore E. Deutch
Rep. Theodore E. DeutchD-FL-22 · Apr 24, 2018

Mr. Speaker, I thank my friend, Ranking Member Engel, for his hard work on this bill and for yielding. I thank Chairman Royce as well. I want to thank the many Members of Congress who have shown…

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Ted Poe
Rep. Ted PoeR-TX-2 · Apr 24, 2018

Mr. Speaker, I move to suspend the rules and pass the bill (S. 447) to require reporting on acts of certain foreign countries on Holocaust era assets and related issues. Mr. Speaker, I ask unanimous…

Bill Text

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Introduced in HouseIssued January 31, 2017

I

115th CONGRESS

1st Session

H. R. 762

IN THE HOUSE OF REPRESENTATIVES

January 31, 2017

Ms. Ros-Lehtinen (for herself, Mr. Sherman, and Mr. Garamendi) introduced the following bill; which was referred to the Committee on Foreign Affairs, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned

A BILL

To provide for the restoration of legal rights for claimants under holocaust-era insurance policies.

1.

Short title

This Act may be cited as the Holocaust Insurance Accountability Act of 2017.

2.

Purposes

The purposes of this Act are to—

(1)

allow for the enforcement of State laws requiring the disclosure of information about Holocaust-era insurance policies, notwithstanding the holding of the Supreme Court of the United States in American Insurance Association v. Garamendi, 539 U.S. 396 (2003) that such laws are preempted by the foreign policy espoused by the executive branch of the Federal Government addressed in that case;

(2)

facilitate the disclosure of information about Holocaust-era insurance policies under applicable State laws so that citizens of the United States (and other persons on whose behalf such laws were enacted) may know whether they hold any rights under the policies;

(3)

allow the beneficiaries of Holocaust-era insurance policies, many of whom are citizens of the United States, to bring suits in the courts of the United States to recover any proceeds under the policies to which they may be entitled, notwithstanding the defense that such suits are preempted by the executive branch foreign policy addressed in Garamendi;

(4)

foreclose defenses to claims brought under section 4 of this Act arising from any prior judgments or settlement agreements (including the class action judgment and settlement agreement (M21–89, United States District Court for the Southern District of New York) in In re: Assicurazioni General S.p.A. Holocaust Insurance Litigation) that were entered and approved based on the erroneous conclusion that State law claims to recover under Holocaust-era insurance claims are preempted by the executive branch foreign policy addressed in Garamendi;

(5)

provide for a uniform statute of limitations of 10 years after the date of enactment of this Act in any action to recover under Holocaust-era insurance policies under this Act or State law; and

(6)

in carrying out the purposes described in paragraphs (1) through (5), preserve the lawmaking powers of Congress under article I of the Constitution of the United States, with which the judicial decisions cited in this section are inconsistent.

3.

Definitions

In this Act:

(1)

Beneficiary

The term beneficiary includes—

(A)

a named insured or named beneficiary under a covered policy; and

(B)

an heir, assignee, or legal representative of a named insured or named beneficiary described in subparagraph (A).

(2)

Covered policy

The term covered policy means any life, dowry, education, annuity, property, or other insurance policy that was—

(A)

in effect at any time during the period beginning on January 31, 1933, and ending on December 31, 1945; and

(B)

issued to a policyholder domiciled in—

(i)

any area that was occupied or controlled by Nazi Germany; or

(ii)

the territorial jurisdiction of Switzerland.

(3)

Insurer

The term insurer

(A)

means any person engaged in the business of insurance (including reinsurance) in interstate or foreign commerce that issued a covered policy; and

(B)

includes any successor in interest to a person described in subparagraph (A).

(4)

Nazi germany

The term Nazi Germany means—

(A)

the Nazi government of Germany; and

(B)

any government that—

(i)

had friendly relations with the Nazi government of Germany;

(ii)

was allied with or controlled by the Nazi government of Germany; or

(iii)

exercised or claimed sovereignty over any area occupied by the military forces of the Nazi government of Germany.

(5)

Related company

The term related company means an affiliate, as that term is defined in section 104(g) of the Gramm-Leach-Bliley Act (15 U.S.C. 6701(g)).

4.

Private right of action; civil actions

(a)

Civil actions To recover under covered policies

A beneficiary of a covered policy may bring a civil action against the insurer for the covered policy or a related company of the insurer to recover proceeds due under the covered policy or otherwise to enforce any rights under the covered policy.

(b)

Nationwide Service of Process

For a civil action brought under subsection (a) in a district court of the United States, process may be served in the judicial district where the case is brought or any other judicial district of the United States where the defendant may be found, resides, has an agent, or transacts business.

(c)

Remedies

(1)

Damages

(A)

In general

A court shall award to a prevailing beneficiary in a civil action brought under subsection (a)—

(i)

the amount of the proceeds due under the covered policy;

(ii)

prejudgment interest on the amount described in clause (i) from the date the amount was due until the date of judgment, calculated at a rate of 6 percent per year, compounded annually; and

(iii)

any other appropriate relief necessary to enforce rights under the covered policy.

(B)

Treble damages

If a court finds that an insurer or related company of the insurer acted in bad faith, the court shall award damages in an amount equal to 3 times the amount otherwise to be awarded under subparagraph (A).

(2)

Attorney’s fees and costs

A court shall award reasonable attorney’s fees and costs to a prevailing beneficiary in a civil action brought under subsection (a).

(d)

Limitation

A civil action may not be brought under this section on or after the date that is 10 years after the date of enactment of this Act.

5.

Effect of prior judgments and releases

(a)

In general

(1)

Effect

Subject to subsection (b)(1), a judgment or release described in paragraph (2) shall not preclude, foreclose, bar, release, waive, acquit, discharge, or otherwise impair any claim brought under section 4 by any person.

(2)

Judgments and releases

A judgment or release described in this paragraph is—

(A)

a judgment entered before the date of enactment of this Act for any claim arising under a covered policy in any civil action in a Federal or State court; or

(B)

an agreement entered into before the date of enactment of this Act under which any person (on behalf of the person, any other person, or a class of persons) agrees not to assert or agrees to waive or release any claim described in subparagraph (A), regardless of whether the agreement is—

(i)

denominated as a release, discharge, covenant not to sue, or otherwise; or

(ii)

approved by a court.

(b)

Rules of construction

(1)

In general

Except as provided in paragraph (2), nothing in this section shall affect the validity or enforceability of any agreement entered into between any claimant under a covered policy and the International Commission on Holocaust Era Insurance Claims or an insurer under which the claimant has agreed to release or waive any claim in consideration for payment under a covered policy.

(2)

Exception

Paragraph (1) shall not apply to any agreement for which the payment is denominated as humanitarian by the International Commission on Holocaust Era Insurance Claims.

6.

Effect of executive agreements and executive foreign policy

(a)

Effect of executive agreements and executive foreign policy on State laws

An executive agreement described in subsection (c)(1) and an executive foreign policy described in subsection (c)(2) shall not supercede or preempt the law of any State—

(1)

relating to a claim under or relating to a covered policy against the insurer for the covered policy or a related company of the insurer; or

(2)

that requires an insurer doing business in the State or any related company of the insurer to disclose information regarding a covered policy issued by the insurer.

(b)

Effect of executive agreements and executive foreign policy on claims brought under this Act

An executive agreement described in subsection (c)(1) and an executive foreign policy described in subsection (c)(2) shall not compromise, settle, extinguish, waive, preclude, bar, or foreclose a claim brought under section 4.

(c)

Executive agreements and executive foreign policy covered

(1)

Executive agreements

An executive agreement described in this paragraph is an executive agreement between the United States and a foreign government entered into before, on, or after the date of enactment of this Act.

(2)

Executive foreign policy

An executive foreign policy described in this paragraph is a foreign policy of the executive branch of the Federal Government established before, on, or after the date of enactment of this Act.

7.

Effect on State laws

Nothing in this Act shall supersede or preempt any State law except to the extent the law of the State conflicts with this Act.

8.

Timeliness of actions brought under State law

A claim brought under any State law described in section 6(a) shall not be deemed untimely on the basis of any State or Federal statute of limitations or on the basis of any other legal or equitable rule or doctrine (including laches) governing the timeliness of claims if the claim is filed not later than 10 years after the date of enactment of this Act.

9.

Severability

If any provision of this Act or the application of such provision to any person or circumstance is held to be unconstitutional, the remainder of this Act and the application of such provision to any other person or circumstance shall not be affected thereby.

10.

Effective date; applicability

This Act shall—

(1)

take effect on the date of enactment of this Act; and

(2)

apply to any claim relating to a covered policy that is brought, before, on, or after the date of enactment of this Act.