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


The text of the bill below is as of May 21, 2015 (Introduced). The bill was not enacted into law.

Summary of this bill

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.


I

114th CONGRESS

1st Session

H. R. 2546

IN THE HOUSE OF REPRESENTATIVES

May 21, 2015

(for herself, Mr. Lynch, Ms. Tsongas, Mr. Grijalva, and Ms. Clark of Massachusetts) introduced the following bill; which was referred to the Committee on the Judiciary

A BILL

To prohibit the sale of a firearm to, and the purchase of a firearm by, a person who is not covered by appropriate liability insurance coverage.

1.

Short title

This Act may be cited as the Firearm Risk Protection Act of 2015.

2.

Prohibitions on sale of firearm to, and purchase of firearm by, a person not covered by appropriate liability insurance

(a)

Prohibitions

Section 922 of title 18, United States Code, is amended by adding at the end the following:

(aa)
(1)
(A)
(i)

It shall be unlawful for a person to purchase a firearm unless, at the time of the purchase, the purchaser presents to the seller proof that the purchaser is covered by a qualified liability insurance policy.

(ii)

It shall be unlawful for a person to sell a firearm unless, at the time of the sale, the seller verifies that the purchaser is covered by a qualified liability insurance policy.

(iii)

It shall be unlawful for a person who owns a firearm purchased on or after the effective date of this subsection not to be covered by a qualified liability insurance policy.

(B)

Subparagraph (A) shall not apply to the purchase or sale of a firearm for the use of the United States or any department or agency of the United States, or any State or any department, agency, or political subdivision of a State.

(2)

In paragraph (1), the term qualified liability insurance policy means, with respect to the purchaser of a firearm, a policy that—

(A)

provides liability insurance covering the purchaser specifically for losses resulting from use of the firearm while it is owned by the purchaser; and

(B)

is issued by an insurer licensed or authorized to provide the coverage by the State insurance regulatory authority for the State in which the purchaser resides.

.

(b)

Penalty

Section 924 of such title is amended by adding at the end the following:

(q)

Whoever violates section 922(aa) shall be fined not more than $10,000.

.

(c)

Effective date

The amendments made by this section shall apply to conduct engaged in after the 180-day period that begins with the date of the enactment of this Act.