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H.R. 2546 (114th): Firearm Risk Protection Act of 2015


The Firearm Risk Protection Act would mandate liability insurance coverage for gun buyers. It would impose a maximum fine of $10,000 on anyone without liability insurance who buys a firearm or possesses a firearm purchased after the enactment of the bill. It would also fine anyone who sells a gun to someone without insurance. Rep. Carolyn Maloney (D-NY12) mentioned the bill in a recently issued press release responding to the Charleston shooting in South Carolina. The bill has been introduced in the House.

Last updated Jun 22, 2015. View all GovTrack summaries.

The summary below was written by the Congressional Research Service, which is a nonpartisan division of the Library of Congress, and was published on May 21, 2015.


Firearm Risk Protection Act of 2015

Amends the Brady Handgun Violence Prevention Act to: (1) prohibit the purchase or sale of a firearm unless the purchaser presents proof to the seller and the seller verifies that the purchaser is covered by a qualified liability insurance policy, and (2) require any person who purchases a firearm on or after this Act's effective date to be covered by such a policy. Exempts the purchase or sale of a firearm for use by a federal, state, or local agency.

Defines "qualified liability insurance policy" to mean a policy that: (1) provides liability insurance covering the purchaser specifically for losses resulting from use of the firearm while it is owned by the purchaser, and (2) is issued by an insurer licensed or authorized to provide the coverage by the state in which the purchaser resides.