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Mandatory Liability Insurance for Firearm Owners

New rules require anyone buying or owning a firearm after this law takes effect to have specific liability insurance. This insurance aims to cover potential damages from firearm use. Not having this insurance can lead to a significant fine.
Key points
Firearm purchasers must show proof of liability insurance to the seller.
Firearm sellers must verify that the buyer has liability insurance.
Owners of firearms purchased after the law's effective date must maintain valid liability insurance.
Failure to comply or verify insurance can result in a fine of up to $10,000.
These rules do not apply to firearms for federal or state government use.
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Status:
Expired
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Additional Information
Firearm Risk Protection Act of 2021
Print number: HR 1004
Sponsor: Rep. Maloney, Carolyn B. [D-NY-12]
Process start date: 2021-02-11
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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Summary & Status

Key Questions about Mandatory Liability Insurance for Firearm Owners

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is HR 1004.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-02-11.

What are the main provisions?

Key points include:

  • Firearm purchasers must show proof of liability insurance to the seller.
  • Firearm sellers must verify that the buyer has liability insurance.
  • Owners of firearms purchased after the law's effective date must maintain valid liability insurance.
  • Failure to comply or verify insurance can result in a fine of up to $10,000.
  • These rules do not apply to firearms for federal or state government use.

What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Maloney, Carolyn B. [D-NY-12].

What is the latest detailed status?

The latest detailed status is: Referred to the Subcommittee on Crime, Terrorism, and Homeland Security.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-27.

Analysis and Potential Impact of HR 1004

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

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