The Terrorism Risk Insurance Act of 2002 (TRIA), which authorized a government program that kept business insurance for terrorist attacks affordable, would have expired in 2005. It was extended for three more years by this Congress, becoming the Terrorism Risk Insurance Act of 2005 (P.L. 109-144). This version of TRIA keeps the program in place through 2008 while a commission develops a transitional system to take its place. Without the TRIA, proponents of the bill argued, terrorism insurance would have become unaffordable for most businesses.