H.R. 6497: Never Again Small Business Protection Act of 2020
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H.R. 6497: Never Again Small Business Protection Act of 2020
116th Congress · introduced 2020-04-14 · Finance and Financial Sector · Latest: Referred to the House Committee on Financial Services.
federal
Follow this bill, step by step
- Where it came from: introduced 2020-04-14 · official record
- Who proposed it: Rep. Fitzpatrick, Brian K. [R-PA-1] · what a sponsor is
- What happened next: no floor votes in our records yet. Why?
- Where it stands now: Referred to the House Committee on Financial Services. Not final yet: this can still change. We check for updates every day.
- If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.
Official title
Never Again Small Business Protection Act of 2020
Plain summary
Never Again Small Business Protection Act of 2020 This bill requires that insurers offering business interruption coverage must offer additional coverage for losses that result from business interruption due to a government order to close during a national emergency. This coverage does not apply to losses incurred by an otherwise qualified business if that business involuntarily terminated the health care or the employment of an employee during the national emergency period. An insurer may exclude this additional coverage from a contract for business interruption coverage if the insured agrees in writing, or if the insured fails to pay the corresponding premium increase. This bill is effective only upon certification by the Department of the Treasury that a federal backstop exists to serve as a mechanism to reinsure insurers against excessive losses as a result of these requirements.
Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.
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A “Yea” vote
If it passes both chambers and is signed, it becomes law.
A “Nay” vote
If it is not passed, current law stays as it is.
PSI Sci description of the legislative step (not an opinion).
What does this mean? (plain words)
Official text
Never Again Small Business Protection Act of 2020
Source: Congressional Research Service summary (Introduced in House)
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How did my representative vote? · This bill's floor votes
Officials and money
Sponsor: Rep. Fitzpatrick, Brian K. [R-PA-1] · 6 cosponsors
Cost estimate: No cost estimate published yet.
Cosponsors on this site
Gilbert Ray Cisneros, Jr. (D-CA), Thomas R. Suozzi (D-NY), Josh Harder (D-CA), Steve Cohen (D-TN)
Sponsor's campaign money: Rep. Fitzpatrick, Brian K. [R-PA-1] reported raising $8.0 million (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.
No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.
Words on this page, explained (1)
- Bill
- A proposed law. It becomes law only if it passes the legislature and is signed by the president or governor (or a veto is overridden).
Plain meanings written from linked sources. All words.
Sources
- Congressional Research Service summary (Introduced in House)
- Congress.gov
- Data: GovInfo BILLSTATUS bulk data (Library of Congress), BILLSTATUS-116hr6497.xml <https://www.govinfo.gov/bulkdata/BILLSTATUS/116/hr>
Record fed-us-cong116-hr6497 · catalog fed-us-congress-bills-cong116 · updated 2026-11-15 by psicol fed-bills-cong116