Congressional Dish Jennifer Briney

Every American who has a mortgage is required by their bank to have homeowners insurance, but getting it and keeping it is becoming a challenge. In this episode, hear the highlights of a Senate hearing examining the problems in the homeowners insurance market and why they might lead to much bigger problems next time disaster strikes. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank’s online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Effects of Climate on Insurance Christopher Flavelle and Mira Rojanasakul. May 13, 2024. The New York Times. Chris Van Hollen et al. September 7, 2023. Chris Van Hollen, U.S. Senator for Maryland. Alice C. Hill. August 17, 2023. Council on Foreign Relations. Insurance Information Institute. Antonio Grimaldi et al. November 19, 2020. McKinsey & Company. Lobbying OpenSecrets. OpenSecrets. OpenSecrets. Heritage Foundation SourceWatch. Demotech William Rabb. April 15, 2024. Insurance Journal. Parinitha Sastry et al. December 2023. Fannie Mae Adam Hayes. May 17, 2023. Investopedia. Hurricanes National Oceanic and Atmospheric Administration. National Oceanic and Atmospheric Administration. Audio Sources Senate Committee on the Budget June 5, 2024 Witnesses: Glen Mulready, Insurance Commissioner, State of Oklahoma Rade Musulin, Principal, Finity Consulting Dr. Ishita Sen, Assistant Professor of Finance, Harvard Business School Deborah Wood, Florida Resident , Research Fellow, Heritage Foundation’s Grover Hermann Center for the Federal Budget Clips 23:05 Sen. Sheldon Whitehouse (D-RI): In 2022 and 2023, more than a dozen insurance companies left the Florida residential market, including national insurers like Farmers. Residents fled to Citizens Property Insurance, the state backed insurer of last resort, which ballooned from a 4% market share in 2019 to as much as 17% last year. If it has to pay out claims that exceed its reserves, citizens can levy a surcharge on Florida insurance policy holders across the state. Good luck with that. Particularly if the surcharge grows to hundreds or even thousands of dollars to depopulate its books. Citizens has let private insurers cherry pick out its least risk policies. Those private insurers may have problems of their own, as we will hear today. 25:10 Sen. Sheldon Whitehouse (D-RI): The federal budget takes a hit because these insurers and their policies are accepted by Freddie Mac and Fannie Mae, who either own or guarantee a large part of our $12 trillion mortgage market. This all sounds eerily reminiscent of the run-up to the mortgage meltdown of 2008, including a role of potentially captive or not fully responsible rating agencies. 25:45 Sen. Sheldon Whitehouse (D-RI): Florida is far from alone. A New York Times investigation found that the insurance industry lost money on homeowners coverage in 18 states last year, and the states may surprise you. The list includes Illinois, Michigan, Utah, Washington, and Iowa. Insurers in Iowa lost money each of the last four years. This is a signal that hurricanes and earthquakes, once the most prevalent perils, are being rivaled by hail, windstorms, and wildfires. 28:00 Sen. Sheldon Whitehouse (D-RI): This isn't all that complicated. Climate risk makes things uninsurable. No insurance makes things unmortgageable. No mortgages crashes the property markets. Crashed property markets trash the economy. It all begins with climate risk, and a major party pretending that climate risk isn't real imperils our federal budget and millions of Americans all across the country. 33:45 Sen. Chuck Grassley

In March, the Senate received testimony from the Chair of the National Transportation Safety Board about some transportation related dangers that you should know about. In this episode, hear testimony about those dangers, including those posed by airborne tourism companies, electric vehicles, and self driving technology. You will also hear a stunning NTSB finding about a likely profit-prioritization decision of railroad company Norfolk Southern, which unnecessarily lead to the poisoning of East Palestine, OH. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank’s online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Recommended Congressional Dish Episodes Traffic Fatalities National Center for Statistics and Analysis. April 2024. National Highway Traffic Safety Administration. Helicopter Crashes May 10, 2022. National Transportation Safety Board. n.d. National Transportation Safety Board. Audio Sources March 6, 2024 Senate Committee on Commerce, Science & Transportation Witnesses: Jennifer Homendy, Chair, National Transportation Safety Board Clips Sen. Eric Schmitt (R-MO): I did have some questions. I know that Senator Fisher mentioned some of this earlier as relates to electric vehicles. The weight of some of these vehicles, including, I know you mentioned the battery alone can be the weight of a Honda Civic or a Toyota Corolla, and so there's certainly safety issues there. It relates to guardrails and other vehicles on the road. You would agree with that, right? Jennifer Homendy: Yes. Sen. Eric Schmitt (R-MO): There's also issues, I wanna talk about our infrastructure too. The weight of these vehicles, the strain that it can have on parking garages, roads, and bridges. The amount of money that will be expended to either reinforce or repair. Who is looking at this? Because we have a mandate for auto manufacturers to produce 50% of their fleet to be electric vehicles by 2030. I know there's a new rule in the works to have that number increased. I don't know if it's 65% or 75% by 2032, that's being considered. So it seems to me we're entering this phase as it relates to these mandates for electric vehicles and all of these repercussions, all of these ancillary concerns, I don't know who's addressing it, so I'm asking you, are you guys looking at this? Who is looking at this? Because this seems to be a disaster on the horizon for the American people and our infrastructure, but I don't hear a lot of talk about it. Jennifer Homendy: Thank you, Senator. I have raised this consistently over the past year and a half, starting with a transportation research board where I raised concerns with respect to increasing size and weight of all vehicles, but particularly the weight of electric vehicles that we really needed to look at the safety impact, not just on crashes, but to our infrastructure as well, and protecting people. The whole reason why we have a guardrail is to protect people when there is a crash. Yet it wouldn't withstand some of the crashes with some of these high weights of heavy vehicles, including heavy electric vehicles as was demonstrated by the University of Nebraska. Somebody needs to take action here. We have repeatedly flagged it. It is within the Department of Transportation's purview to do that, and I encourage them strongly to get ahead of it. We're behind right now. Sen. Eric Schmitt (R-MO): As it relates to first responders who are responding to crashes that lithium batteries are involved with, what is your take on the safety for our first responders as they're responding to these EV crashes? Jennifer

President Biden has signed three new laws containing policy changes that will have long lasting effects on the people of Palestine. In this episode, seven months into the ongoing destruction of Gaza, see what Congress and the President have enacted in your name. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank’s online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Recommended Sources for Gaza News Background Sources Recommended Congressional Dish Episodes Who Pays for Corporate Media 2024. iSpot.tv. 2024. iSpot.tv. Hamas Dan De Luce et al. April 18, 2024. NBC News. December 29, 2023. International Court of Justice. Abdelali Ragad et al. November 27, 2023. BBC. Destruction of Khan Yunis Bisan Owda. May 21, 2024. AJ+ (@ajplus) and Al Jazeera English (@aljazeeraenglish) on Instagram. Israel’s Buffer Zone Around Gaza Ruwaida Kamal Amer. May 21, 2024. +972 Magazine. Camille Bressange et al. March 16, 2024. The Wall Street Journal. February 2, 2024. Jon Gambrell. AP News. Dov Liber et al. January 25, 2024. The Wall Street Journal. Loveday Morris et al. January 24, 2024. The Washington Post. Israeli Settlements March 20, 2024. CNN on YouTube. Amira Hass. March 12, 2024. Haaretz. Julia Frankel. February 23, 2024. AP News. Nir Hasson and Rachel Fink. January 28, 2024. Haaretz. Itai Weiss. December 27, 2023. Haaretz. Hagar Shezaf. December 11, 2020. Haaretz. Updated February 2, 2024. Encyclopedia Britannica. AI Kill List Isaac Chotiner. April 12, 2024. The New Yorker. April 5, 2024. Amy Goodman and Yuval Abraham. Democracy Now! Avi Scharf. April 5, 2024. Haaretz. Ishaan Tharoor. April 5, 2024. The Washington Post. April 3, 2024. The Guardian. Yuval Abraham. April 3, 2024. +972 Magazine. Yuval Abraham. November 30, 2023. +972 Magazine. Patrick Kingsley and Ronen Bergman. Updated Oct. 18, 2023. The New York Times. Ami Rokhax Domba. February 14, 2023. Israel Defense. Tamir Eshel. June 13, 2021. Defense Update. Israelis Who Died in October October 19, 2023. Haaretz. Massacre at al-Shifa Hospital Tareq S. Hajjaj. April 11, 2024. Mondoweiss. Abeer Salman et al. April 1, 2024. CNN. Supplemental Funding April 24, 2024. The Washington Post. April 21, 2024. PBS NewsHour. UNRWA Ayesha Rascoe and Jackie Northam. April 28, 2024. NPR. Emanuel Fabian. February 16, 2024. The Times of Israel. Who Governs Palestine Noa Rone. March 8, 2024. Unpacked. UN Human Rights Council Updated April 5, 2024. United Nations Human Rights Council. April 18, 2023. United Nations General Assembly. ‘Detainee’ treatment February 19, 2024. Office of the United Nations High Commissioner for Human Rights. United Nations Information Service. July 10, 2023. Office of the United Nations High Commissioner for Human Rights. Suppression of Journalism March 20, 2023. Jewish News Syndicate. January 24, 2002. BBC. Why It’s Not a War Ajit Singh (@ajitxsingh). November 14, 2023. X. Francesca Albanese. November 14, 2023. National Press Club of Australia on Youtube. Torture in Israeli Detention Facilities May 11, 2024. Middle East Eye on YouTube. CNN's International Investigations and Visuals teams. May 11, 2024. CNN. Netta Ahituv. May 4, 2024. Haaretz. Leahy Amendment Ben Samuels. April 27, 2024. Haaretz. International Criminal Court Michel Martin and John Bellinger III on All Things Considered. April 16, 2022. NPR. Laws Audio Sources May 5, 2024 Al Jazeera English on Instagram (@aljazeeraenglish) Imran Khan: If you are watching this prerecorded report, then Al Jazeera has been banned in the territory of Israel. On April the fir

“FISA 702” allows the government to spy on foreigners and store the information that they collect about American citizens incidentally. After more than a decade of FBI officials inappropriately searching the database of our information without warrants, Congress just reauthorized the program and made some changes - some reigning the program in and some expanding it. In this episode, learn what those changes are and how they are likely to affect you. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank’s online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Recommended Congressional Dish Episodes FISA Jasper Ward. April 20, 2024. Reuters. Luke Goldstein. April 12, 2024. The American Prospect. Zeba Siddiqui. May 19, 2023. Reuters. April 21, 2022. U.S. Foreign Intelligence Surveillance Court. December 2019. U.S. Department of Justice, Office of the Inspector General. Edward C. Liu. April 13, 2016. Congressional Research Service. History of Surveillance Mark Klein. November 8, 2007. C-SPAN Washington Journal. James Risen and Eric Lichtblau. December 16, 2005. The New York Times. NSA Spy Center Kashmir Hill. March 4, 2013. Forbes. James Bamford. March 15, 2012. Wired. PRISM program T.C. Sottek and Janus Kopfstein. July 17, 2013. The Verge. Laws Vote Breakdowns Audio Sources April 19, 2024 April 12, 2024 Speakers: November 8, 2007 C-SPAN Washington Journal Music by Editing Production Assistance

After an unprecedented embassy bombing followed by an unprecedented drone and missile attack, Israel and Iran may have us on the brink of WWIII. In this episode, as Congress and the Biden administration ponder additional support for Israel, we take a look at what has already been approved for Israel in the 2024 defense authorization and funding law. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank’s online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Recommended Congressional Dish Episodes Netanyahu Howard Eissenstat. Sept 20, 2012. Slate. Akiva Eldar. February 10, 2009. Haaretz. Attacks on U.S. Bases Ken Klippenstein. February 9, 2024. The Intercept. Doug G. Ware. November 6, 2023. Stars and Stripes. Doug G. Ware. October 31, 2023. Stars and Stripes. Iran-Israel Conflict David Hearst. April 15, 2024. Middle East Eye. Tom Spender. April 15, 2024. BBC. Ken Klippenstein and Daniel Boguslaw. April 14, 2024. The Intercept. Barak Ravid. April 14, 2024. Axios. Ben Samuels. April 14, 2024. Haaretz. Cassandra Vinograd and Natan Odenheimer. April 14, 2024. The New York Times. Permanent Mission of I.R.Iran to UN, NY (@Iran_UN). April 13, 2024. Ellen Knickmeyer and Lolita C. Baldor. April 3, 2024. PBS NewsHour. Fear of U.S. War with Iran Ali Vaez. April 15, 2024. Foreign Affairs. Murtaza Hussain. April 14, 2024. The Intercept. Carol E. Lee et al. April 14, 2024. NBC News. Uri Misgav. November 23, 2023. Haaretz. Julian Borger. December 17, 2023. The Guardian. Marwan Bishara. October 9, 2023. Aljazeera. Defense funding for Israel Yuval Azulay. April 15, 2024.” CTech by Calcalist. Noah Robertson. November 15, 2023. Defense News. Jeremy M. Sharp. March 1, 2023. Congressional Research Service via EveryCRSReport.com. Raytheon. 2021. Rafael. Jeremy M. Sharp. September 30, 2014. Congressional Research Service via EveryCRSReport.com. Tony Capaccio. May 27, 2014. Bloomberg. January 7, 2014. Boeing. Boeing and Raytheon Campaign Contributions and Lobbying Open Secrets. Open Secrets. Open Secrets. Open Secrets. Foreign Military Financing Nathan J. Lucas and Michael J. Vassalotti. February 21, 2020. Congressional Research Service via EveryCRSReport.com. March 2017. Defense Security Cooperation Agency, U.S. Department of Defense.* Abraham Accords U.S. Department of State. Jordan Zvi Bar’el. April 15, 2024. Haaretz. Jonathan Shamir. April 16, 2023. Haaretz. Saudi Arabia April 14, 2024. Al Arabiya English. Laws Executive Producer Recommended Sources King Abdullah. 1947. From the Internet Archive, originally published in The American Magazine. Music by Editing Production Assistance

A bill is quickly moving through Congress that supposedly would “ban TikTok.” While it is clearly aimed at TikTok, this bill is really about creating a new Presidential power to remove Americans’ access to apps, websites, games and other entire tech platforms. In this episode, using the text of the bill itself, we examine how exactly this new censorship power would work if the bill passes the Senate and becomes law. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank’s online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Recommended Congressional Dish Episodes The Not a TikTok Ban Bill Drew Harwell et al. March 13, 2024. The Washington Post. David E. Sanger. March 13, 2024. The New York Times. Aamer Madhani. March 8, 2024. AP News. Opposition to the bill Jenna Leventoff. March 13, 2024. ACLU. Access Now et al. March 12, 2024. ACLU. How we got here Dan Primack. March 12, 2024. Axios. Samantha Delouya and Brian Fung. November 30, 2023. CNN. Emily Baker-White. August 21, 2023. Forbes. November 20, 2023. Reuters. Brian Fung. December 30, 2022. CNN. James K. Jackson. February 14, 2020. Congressional Research Service. Grindr Echo Wang. May 13, 2019. Reuters. Jeff Farrah. April 15, 2019. TechCrunch. ByteDance Lily Kuo and Annabelle Timsit. March 13, 2024. The Washington Post. April 16, 2023. TikTok. Censorship and Spying Jonathan Vanian. January 22, 2024. CNBC. May 16, 2023. U.S. Central Intelligence Agency, Office of Public Affairs. Marielle Descalsota. December 27, 2022. Business Insider. Lily Hay Newman. May 7, 2019. Wired. Israel and AIPAC Camille Bressange. March 16, 2024. The Wall Street Journal. Kate Linthicum. March 13, 2024. The Los Angeles Times. Celine Alkhaldi et al. March 8, 2024. CNN. December 3, 2023. Velshi on MSNBC. Rep. Mike Gallagher. November 1, 2023. The Free Press. Mater Dei High School. TikTok September 20, 2021. BBC. The Bill Audio Sources House Floor March 13, 2024 Clips 19:00 Rep. Thomas Massie (R-KY): There was there were some people who were legitimately concerned that this was an overly broad bill and they got an exclusion written into the bill that I want to read. It says the term "covered company" does not include an entity that operates a website or application, whose primary purpose is to allow users to post product reviews, business reviews, or travel information and reviews. Why is this exception in the bill? Why did somebody feel like they needed this exception if the bill itself only covers social media applications that foreign adversaries are running now? 21:15 Rep. Frank Pallone (D-NJ): While this bill establishes a national security framework that could apply to other applications, much of the public attention is focused on TikTok. 23:15 Rep. Michael Gallagher (R-WI): Mr. Speaker, TikTok is a threat to our national security because it is owned by ByteDance, which does the bidding of the Chinese Communist Party. We know this because ByteDance’s leadership says so and because Chinese law requires it. This bill, therefore, would force TikTok to break up with the Chinese Communist Party. It does not apply to American companies. It only applies to companies subject to the controlof foreign adversaries defined by Congress. It says nothing about election interference and cannot be turned against any American social media platform. It does not impact websites in general. The only impacted sites are those associated with foreign adversary apps, such as TikTok.com. It can never be used to penalize individuals. The text explicitly prohibits that. It cannot be use