Disaster Relief Continuity Act of 2025

House Bill

H.R. 5648

119th Congress

Disaster Relief Continuity Act of 2025

In Committee

Introduced:Sep 30, 2025

Primary Sponsor

Gus M. Bilirakis

Representative

Republican

FL-12

Cosponsors

3

Quick Stats

Policy Area

Finance and Financial Sector

Summary

The Disaster Relief Continuity Act of 2025 would allow inpatient psychiatric and addiction treatment facilities to qualify for federal mortgage insurance, and expand loan insurance for certain health facility projects to protect against natural disasters. This bill aims to improve access to mental health and addiction treatment services, and ensure healthcare facilities are prepared for emergencies.

Latest Action

Referred to the House Committee on Financial Services.

AI Summary

Plain-English explanation of this bill

The Disaster Relief Continuity Act of 2025 would allow inpatient psychiatric and addiction treatment facilities to qualify for federal mortgage insurance, and expand loan insurance for certain health facility projects to protect against natural disasters. This bill aims to improve access to mental health and addiction treatment services, and ensure healthcare facilities are prepared for emergencies.

Last updated: 12/29/2025

Official Summary

Congressional Research Service summary

Community Assistance for Recovery and Empowerment Act or the CARE ActThis bill allows inpatient psychiatric treatment facilities and chemical dependence treatment facilities to qualify for Federal Housing Authority mortgage insurance. The bill establishes the Office of Psychiatric and Addition Treatment Facilities to oversee mortgage insurance provided to these facilities.The bill also specifies that a federally insured loan for improvements to a multifamily housing project or health facility may be used to protect against floods, hurricanes, earthquakes, and other natural disasters. The bill also expands loan insurance for certain energy conservation improvements to include health facility projects.

Key Points

Main provisions of the bill

Allows inpatient psychiatric and addiction treatment facilities to qualify for federal mortgage insurance
Establishes an Office of Psychiatric and Addiction Treatment Facilities to oversee this new mortgage insurance program
Expands loan insurance for health facility projects to include improvements that protect against natural disasters like floods and hurricanes
Allows certain energy conservation improvements to health facilities to be covered by federally insured loans

How This Impacts Americans

Potential effects on citizens and communities

If passed, this bill would benefit inpatient mental health and addiction treatment providers by making it easier for them to secure financing. It could lead to the construction of new treatment facilities or upgrades to existing ones, expanding access to important behavioral health services. The disaster preparedness provisions would also help ensure healthcare infrastructure is resilient in the face of extreme weather events, which is crucial for communities recovering from natural disasters.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

5648, 119th Congress (2025). "Disaster Relief Continuity Act of 2025". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-5648