A National Association of Mutual Insurance Companies said in witness testimony before two House Financial Services Subcommittees Wednesday that Congress needs to adopt a long-term private/public terrorism risk insurance program in order to protect Americans from a catastrophic terrorism risk. The Subcommittees were told that TRIA played a major role in preventing an economic catastrophe and helping to get the country back on its feet economically after 9/11, and that the Terrorism Risk Extension Act has prevented a significant tightening and possible collapse of the terrorism risk insurance market.