What is the official ID of this bill?

The official print number for this legislation is S 3649.

When did the legislative process begin?

The process officially started on 2024-01-24.

Where can I read the full text of this legislation?

The full official text is available at: https://www.congress.gov/118/bills/s3649/BILLS-118s3649is.htm

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-26.

Who is the primary sponsor?

The primary sponsor is Sen. Rubio, Marco [R-FL].

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Analysis and Potential Impact of S 3649

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.

Increased Flood Risk Transparency for Buyers of HUD-Owned Homes.

Q: What are the main provisions?

Key points include: Mandatory disclosure of the estimated monthly flood insurance cost for HUD-owned homes located in high-risk flood zones. Requirement to inform buyers if the home is classified as a 'severe repetitive loss property' due to flooding. The changes apply to 1-to-4 unit residential properties acquired by the Department of Housing and Urban Development (HUD) through foreclosure.

This law enhances protection for individuals buying homes acquired by HUD located in flood hazard areas. Sellers must now disclose the estimated monthly cost of flood insurance and whether the property has a history of severe, repeated flood damage. This allows citizens to better assess the financial risks and safety associated with the purchase before committing.

Key points

Mandatory disclosure of the estimated monthly flood insurance cost for HUD-owned homes located in high-risk flood zones.

Requirement to inform buyers if the home is classified as a 'severe repetitive loss property' due to flooding.

The changes apply to 1-to-4 unit residential properties acquired by the Department of Housing and Urban Development (HUD) through foreclosure.

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Additional Information

Flood Risk Transparency for Homebuyers Act

Print number: S 3649

Sponsor: Sen. Rubio, Marco [R-FL]

Process start date: 2024-01-24

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-flash-latest

Source data: api.congress.gov

AI work logs for this document launch

Increased Flood Risk Transparency for Buyers of HUD-Owned Homes.

Key Questions about Increased Flood Risk Transparency for Buyers of HUD-Owned Homes.