S. 1071

National Defense Authorization Act for Fiscal Year 2026

Sponsor: John Cornyn

1 cosponsor
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Official summary

Written by the Congressional Research Service.

National Defense Authorization Act for Fiscal Year 2026

This bill sets forth policies and authorities for FY2026 for Department of Defense (DOD) programs and activities, military construction, and the national security programs of the Department of Energy (DOE). The bill also sets forth policies and authorities for the Department of State, the Coast Guard, and the Intelligence Community (IC).

Among other elements, the bill

  • authorizes the procurement of various items, including aircraft, ships, and missiles;
  • sets active duty and reserve component personnel strength levels;
  • sets policy regarding various aspects of military health care and military compensation;
  • sets policy regarding DOD acquisitions and acquisition management, including contracting authorities and domestic sourcing;
  • sets policy for various matters related to DOD interactions with foreign nations, including matters concerning Israel, Ukraine, and the Indo-Pacific;
  • sets policy for various matters related to DOD cyber operations, cybersecurity, and artificial intelligence;
  • authorizes specified military construction projects and extends the authorization of certain projects from previous fiscal years;
  • authorizes the National Nuclear Security Administration, Defense Nuclear Facilities Safety Board, Naval Petroleum Reserves, and Maritime Administration;
  • sets policy regarding the organization and workforce of the State Department;
  • sets acquisition and personnel policy for the Coast Guard; 
  • sets policy for merchant mariner credentials, vessel safety, and oil pollution response; and
  • sets policy for the IC regarding artificial intelligence and biotechnology.

For additional information on the National Defense Authorization Act (NDAA) see

  • In Focus IF10516, Defense Primer: Navigating the NDAA, and
  • In Focus IF10515, Defense Primer: The NDAA Process.

Text of the bill

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A Department of Defense Authorizations

I Procurement

A Authorization of Appropriations

B Army Programs

C Navy Programs

D Air Force Programs

E Defense-wide, Joint, and Multiservice Matters

II Research, Development, Test, and Evaluation

A Authorization of Appropriations

B Program Requirements, Restrictions, and Limitations

C Biotechnology Matters

D Plans, Reports, and Other Matters

III Operation and Maintenance

A Authorization of Appropriations

B Energy and Environment

C Logistics and Sustainment

D Matters Relating to Munitions

E Other Matters

IV Military Personnel Authorizations

A Active Forces

B Reserve Forces

C Authorization of Appropriations; Reports

V Military Personnel Policy

A Officer Policy

B Reserve Component Management

C General Service Authorities and Military Records

D Recruitment and Accession

E Member Training

F Member Education

G Military Justice and Other Legal Matters

H Career Transition

I Family Programs, Child Care, and Dependent Education

J Decorations and Awards, Reports, and Other Matters

VI Compensation and Other Personnel Benefits

A Basic Pay and Retired Pay

B Bonus, Incentive, and Separation Pays

C Allowances

D Leave

E Family and Survivor Benefits

F Defense Resale Matters

G Other Benefits, Administrative Matters, Reports, and Briefings

VII Health Care Provisions

A TRICARE and Other Health Benefits

B Health Care Administration

C Studies, Reports, and Other Matters

VIII Acquisition Policy, Acquisition Management, and Related Matters

A Acquisition Policy and Management

B Amendments to General Contracting Authorities, Procedures, and Limitations

C Provisions Relating to Workforce Development

D Provisions Relating to Supply Chains and Domestic Sourcing

E Prohibitions and Limitations on Procurement

F Industrial Base Matters

G Other Matters

IX Department of Defense Organization and Management

A Office of the Secretary of Defense and Related Matters

B Other Department of Defense Organization and Management Matters

X General Provisions

A Financial Matters

B Counterdrug Activities

C Naval Vessels and Shipyards

D Counterterrorism

E Miscellaneous Authorities and Limitations

F Studies and Reports

G Other Matters

XI Civilian Personnel

XII Matters relating to foreign nations

A Assistance and training

B Foreign military sales and related processes

C Matters relating to the Middle East

D Matters relating to Israel

E Matters relating to Europe, Ukraine, and the Russian Federation

F Matters relating to the Indo-Pacific region

G Matters relating to Asia

H Other matters

XIV Other Authorizations

A Military Programs

B National Defense Stockpile

C Other Matters

XV Cyberspace-related Matters

A Cyber Operations

B Cybersecurity

C Information Technology and Data Management

D Artificial Intelligence

E Reports and Other Matters

XVI Space Activities, Strategic Programs, and Intelligence Matters

A Space Activities

B Defense Intelligence and Intelligence-Related Activities

C Nuclear Forces

D Missile Defense Programs

E Matters Relating to Unidentified Anomalous Phenomena

F Matters Relating to Electromagnetic Warfare

G Other Matters

XVII Other Defense Matters

XVIII Acquisition Reform

A Alignment of the Defense Acquisition System

B Requirements Process Reform

C Matters Relating to Commercial Products and Commercial Services

D Improvements to Acquisition Programs

E Modifications to Strengthen the Industrial Base

B Military Construction Authorizations

XXI Army Military Construction

XXII Navy Military Construction

XXIII Air Force Military Construction

XXIV Defense Agencies Military Construction

XXV International Programs

A North Atlantic Treaty Organization Security Investment Program

B Host Country In-Kind Contributions

XXVI Guard and Reserve Forces Facilities

XXVII Base Realignment and Closure Activities

XXVIII Military Construction General Provisions

A Military Construction Programs

B Military Housing Reforms

C Real Property and Facilities Administration

D Land Conveyances

E Modifications to Unspecified Minor Military Construction

F Other Matters

C Department of Energy National Security Authorizations and Other Authorizations

XXXI Department of Energy National Security Programs

A National Security Programs and Authorizations

B Program Authorizations, Restrictions, and Limitations

C Reports and Other Matters

XXXII Defense Nuclear Facilities Safety Board

XXXIV Naval Petroleum Reserves

XXXV Maritime Administration

D Funding Tables

XLI Procurement

XLII Research, Development, Test, and Evaluation

XLIII Operation and Maintenance

XLIV Military Personnel

XLV Other Authorizations

XLVI Military Construction

XLVII Department of Energy National Security Programs

E Department of State Authorization Act for Fiscal Year 2026

I Organization and operations

A Management and consular affairs

B Human resources

C Political affairs

D Other matters

II Workforce matters

III Information security and cyber diplomacy

IV Public diplomacy

V Diplomatic security

VI Miscellaneous

F Intelligence Authorization Act for Fiscal Year 2026

LXI Intelligence Activities

LXII Central Intelligence Agency Retirement and Disability System

LXIII Intelligence Community Matters

LXIV Intelligence Community Efficiency and Effectiveness

LXV Matters Relating to Elements of the Intelligence Community

A Central Intelligence Agency

B Elements of Department of Defense

C Federal Bureau of Investigation

LXVI Artificial Intelligence and Other Emerging Technologies

A Artificial Intelligence

B Biotechnology

C Other matters

LXVII Matters Relating to Foreign Countries

A Matters Relating to China

B Other Matters

LXVIII Reports and Other Matters

G Coast Guard Authorization Act of 2025

LXXI Coast Guard

A Authorization of appropriations

B Accountability

LXXII Organization, Authorities, Acquisition, and Personnel of the Coast Guard

A Authorities

B Acquisition

C Personnel

D Coast Guard Academy

E Reports and Policies

LXXIII Shipping and Navigation

A Merchant Mariner Credentials

B Vessel Safety

C Ports

D Matters Involving Uncrewed Systems

E Other Matters

LXXIV Oil Pollution Response

LXXV Sexual Assault and Sexual Harassment Response

A Accountability Implementation

B Misconduct

C Other matters

LXXVI Comptroller General Reports

LXXVII Amendments

H Other Matters

LXXXI Financial Services Matters

LXXXII Judiciary Matters

LXXXIII Foreign Affairs Matters

A Taiwan Non-Discrimination Act of 2025

B BUST Fentanyl Act

C Western Balkans democracy and prosperity

D Countering Wrongful Detention Act of 2025

E Other Matters

LXXXIV National Oceanic and Atmospheric Administration

A National Oceanic and Atmospheric Administration Commissioned Officer Corps

B South Pacific Tuna Treaty matters

C Other Matters

LXXXV Comprehensive Outbound Investment National Security Act of 2025

A General Matters

B Imposition of Sanctions

C Prohibition and notification on investments relating to covered national security transactions

D Securities and Related Matters

LXXXVI Securing the Airspace, Facilitating Emergency Response, and Safeguarding Key Infrastructure, Entertainment Venues, and Stadiums

LXXXVII DFC Modernization and Reauthorization Act of 2025

A Definitions and Less Developed Country Focus

B Management of Corporation

C Authorities Relating to the Provision of Support

Sec. 8743. Terms and conditions

Section 1422 of the Better Utilization of Investments Leading to Development Act of 2018 (22 U.S.C. 9622) is amended—

(1) in subsection (b), by striking paragraph (3) and inserting the following:

Text this section adds to the law

(3) The Corporation shall, with respect to providing any loan guaranty to a project, require the parties to the project to bear a risk of loss on the project in an amount equal to at least 20 percent of the amount of such guaranty. The Corporation shall continue to work with the President to streamline the process for securing waivers that would enable the Corporation to guarantee up to 100 percent of the amount of a loan, provided that risk of loss in the project borne by the parties to the project is equal to at least 20 percent of the guaranty amount.

; and

(2) by adding at the end the following new subsection:

Text this section adds to the law

(c) Best practices to prevent usurious or abusive lending by intermediaries

(1) In general. The Corporation shall ensure that terms, conditions, penalties, rules for collections practices, and other finance administration policies that govern Corporation-backed lending, guarantees and other financial instruments through intermediaries are consistent with industry best practices and the Corporation’s rules with respect to direct lending to its clients.

(2) Truth in lending policies. The Corporation shall develop required truth in lending rules, guidelines, and related implementing policies and practices to govern secondary lending through intermediaries and shall report such policies and practices to the appropriate committees not later than 180 days of enactment of the DFC Modernization and Reauthorization Act of 2025, with annual updates, as needed, thereafter.

(3) Policy development requirements. In developing such policies and practices required by paragraph (2), the Corporation shall—

(A) take into account any particular vulnerabilities generally faced by potential applicants or recipients of microlending and other forms of microfinance, such as lack of experience with lending or lack of financial literacy;

(B) develop and apply, generally, rules and terms to ensure Corporation-backed lending through an intermediary does not carry excessively punitive or disproportionate penalties for customers in default;

(C) ensure that such policies and practices include effective safeguards to prevent usurious or abusive lending by intermediaries, including in the provision of microfinance; and

(D) ensure the intermediary includes in any lending contract with microfinance borrowers that is supported by the Corporation an appropriate level of financial disclosure to the borrower, including—

(i) disclosures that explain in all material respects to the customer both lender and customer rights and obligations under the contract in language that is accessible to the customer;

(ii) the material loan terms and tenure of the contract;

(iii) the procedures and potential penalties or forfeitures in case of default;

(iv) information on privacy and personal data protection; and

(v) any other information that the Corporation determines is needed to inform the borrower of the material terms of the loan.

(4) Audit requirements. The Corporation shall establish appropriate auditing mechanisms to oversee and monitor secondary lending provided through intermediaries in partner countries and include in each annual report to Congress required under paragraph (2) a summary of the results of such audits.

D Other Matters

LXXXVIII Other Matters