Holocaust Insurance Accountability Act of 2025

This bill restores the ability of people with Holocaust‑era insurance policies (and their heirs) to get information and seek payment. It lets states enforce their own laws that require insurers to disclose policy records, even if past federal policy once blocked those state rules. It also creates a new way to sue in federal court to collect what is owed under these policies, using either the law of the state where the case is filed or federal common law, whichever the beneficiary chooses.

People who win can receive the policy money, 6% annual interest compounded from when it was due, attorney’s fees, and other needed relief. If a court finds the insurer acted in bad faith, the damages are tripled. You can serve the case nationwide. There is a 10‑year window from when this becomes law to bring federal claims; state‑law claims also get a 10‑year window and cannot be thrown out as “too late” if filed within that time. The law applies to claims brought before, on, or after the date it takes effect . Prior court judgments or releases generally do not block new claims under this bill, though certain past agreements tied to a Holocaust insurance claims commission remain valid if they included payment, unless the payment was labeled “humanitarian”.

Key points

• Who is affected: Beneficiaries of Holocaust‑era insurance policies, including life and property policies, and related heirs.
• What changes: States can force insurers to disclose records; a new federal path to sue is created with strong remedies; past federal policies and executive agreements cannot block these claims or state disclosure laws .
• Deadlines: 10 years from enactment to file both federal and state‑law claims under this framework .