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S. 2776 amends the Justice for United States Victims of State Sponsored Terrorism Act to establish payment rules for a specific group of plaintiffs known as "Havlish Settling Judgment Creditors"—people who have eligible claims related to the September 11, 2001 terrorist attacks and were identified in a 2014 court order involving a New York property dispute. The bill releases funds that were previously held in escrow (set aside) for these creditors and pays them out, while also allowing them to participate in future rounds of compensation payments alongside other eligible 9/11 victims and their families. The changes are retroactively effective as of December 29, 2022, meaning they apply back to that date rather than only going forward from when the bill is signed into law.

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