,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #aaid  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,m>* #ad1 #bjac ,mrs4 
,mill] ( ,mi*igan introduc$ ! foll[+    
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices1 & 9 addition to !   
,committee on ! ,judici>y1 = a p]iod to 
be subsequ5tly det]m9$ by ! ,speak]1 9  
ea* case = consid]ation ( su* provisions
 z fall )9 ! jurisdiction ( ! committee 
conc]n$  ,a ,,bill  ,to t]m9ate !       
,national ,flood ,insurance ,program &  
relat$ m&atory pur*ase & compliance     
requirem5ts1 & = o!r purposes4  #a4     
,%ort title ,?is ,act may be cit$ z !   
,national ,flood ,insurance ,program    
,t]m9ation ,act ( #bjac4  #b4 ,t]m9ation
 ( ,national ,flood ,insurance ,program 
7a7 ,t]m9ation ( au?ority ,to provide   
cov]age ,effective at ! end ( ,decemb]  
#ca1 #bjae1 ! ,adm9i/rator ( ! ,f$]al   
,em]g5cy ,managem5t ,ag5cy 79 ?is       
section ref]r$ to z ! ,adm9i/rator7 %all
 n provide any new flood insurance      
cov]age1 or r5ew any cov]age provid$    

be=e su* date1 "u ! ,national ,flood    
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djja et seq474  7b7 ,treatm5t ( exi/+  
cov]age ,subsection 7a7 %all n--  7#a7  
affect any flood insurance cov]age      
provid$ "u su* ,act "u a contract or    
agreem5t ent]$ into be=e ! date specifi$
 9 su* subsection &1 not)/&+ ! repeals  
"u section #c1 su* provisions z 9 effect
 imm$iately be=e su* repeal %all cont9ue
 to apply ) respect to flood insurance  
cov]age 9 =ce aft] su* repeal2 or  7#b7 
require ! t]m9ation ( any contract or   
o!r agreem5t = flood insurance cov]age  
ent]$ into be=e su* date4  7c7 ,w9d-,up 
,aft] ! date specifi$ 9 subsection 7a71 
! ,adm9i/rator %all take su* actions z  
may be necess>y /eps to w9d up ! affairs
 ( ! ,national ,flood ,insurance        
,program4  7d7 ,treatm5t ( funds ,am\nts
 9 ! ,national ,flood ,insurance ,fund  
e/abli%$ "u section #acaj ( ! ,national 
,flood ,insurance ,act ( #aifh 7#db     
,u4,s4,c4 #djag7 & am\nts 9 ! ,national 
,flood ,insurance ,res]ve ,fund e/abli%$

 "u section #acaj;,a ( su* ,act 7#db    
,u4,s4,c4 #djag;a7 %all be available to 
! ,adm9i/rator = p]=m+ ! functions ( !  
,adm9i/rator ) respect to flood         
insurance cov]age rema9+ 9 =ce aft] !   
date specifi$ 9 subsection 7a74 ,^u !   
expiration ( ! contracts & agreem5ts =  
su* cov]age1 any unexp5d$ balances 9 su*
 ,funds %all be deposit$ 9 ! ,treasury z
 miscellane\s receipts4  7e7 ,sav+s     
provisions  7#a7 ,treatm5t ( prior      
det]m9ations ,! repeals made by section 
#c ( ! provisions ( law specifi$ 9 su*  
section %all n affect any ord]1         
det]m9ation1 regulation1 or contract t  
has be5 issu$1 made1 or all[$ to become 
effective "u su* provisions be=e !      
effective date ( ! repeal4 ,all su*     
ord]s1 det]m9ations1 regulations1 &     
contracts %all cont9ue 9 effect until   
modifi$1 sup]s$$1 t]m9at$1 set aside1 or
 revok$ 9 accordance ) law by !         
,presid5t1 ! ,adm9i/rator1 or o!r       
au?oriz$ (ficial1 a c\rt ( compet5t     
jurisdiction1 or by op]ation ( law4     

7#b7 ,p5d+ proce$+s  7,a7 ,effect on    
p5d+ proce$+s ,! repeals made by section
 #c %all n affect any proce$+s relat+ to
 ! ,national ,flood ,insurance ,program1
 includ+ notices ( propos$ rulemak+1    
p5d+ on ! effective date ( ! repeals1   
be=e ! ,f$]al ,em]g5cy ,managem5t       
,ag5cy1 except t no assi/ance or flood  
insurance cov]age may be provid$        
pursuant to any application p5d+ on su* 
effective date4 ,su* proce$+s1 to !     
ext5t t !y relate to functions p]=m$ by 
! ,adm9i/rator aft] su* repeal1 %all be 
cont9u$4 ,ord]s %all be issu$ 9 su*     
proce$+s1 appeals %all be tak5 !refrom1 
& paym5ts %all be made pursuant to su*  
ord]s1 z if ?is ,act _h n be5 enact$2 & 
ord]s issu$ 9 any su* proce$+s %all     
cont9ue 9 effect until modifi$1 t]m9at$1
 sup]s$$1 or revok$ by ! ,adm9i/rator1  
by a c\rt ( compet5t jurisdiction1 or by
 op]ation ( law4  7,b7 ,con/ruction     
,no?+ 9 ?is subsection may be con/ru$ to
 prohibit ! discont9uance or            
modification ( any proce$+ describ$ 9   

subp>agraph 7,a7 "u ! same t]ms &       
conditions & to ! same ext5t t su*      
proce$+ c\ld h be5 discont9u$ or modifi$
 if ?is section _h n be5 enact$4  7#c7  
,actions ,?is section %all n affect     
suits comm5c$ be=e ! effective date ( ! 
repeals made by section #c1 & 9 all su* 
suits1 proce$+s %all be _h1 appeals     
tak51 & judgm5ts r5d]$ 9 ! same mann] & 
effect z if ?is section _h n be5 enact$4
  7#d7 ,liabilities incurr$ ,no suit1   
action1 or o!r proce$+ comm5c$ by or    
aga9/ an individual 9 ! (ficial capacity
 ( su* individual z an (fic] ( ! ,f$]al 
,em]g5cy ,managem5t ,ag5cy hav+ any     
responsibility = ! ,national ,flood     
,insurance ,program %all abate by reason
 ( ! enactm5t ( ?is section4 ,no cause (
 action relat+ to su* ,program1 by or   
aga9/ ! ,f$]al ,em]g5cy ,managem5t      
,ag5cy1 or by or aga9/ any (fic] !re( 9 
! (ficial capacity ( su* (fic] hav+ any 
responsibility = su* program1 %all abate
 by reason ( ! enactm5t ( ?is section4  
#c4 ,repeals & cont9uation ( ,,fema     

mapp+ responsibilities  7a7 ,national   
,flood ,insurance ,act ( #aifh ,!       
,national ,flood ,insurance ,act ( #aifh
 is am5d$--  7#a7 by /rik+ section #acjb
 7#db ,u4,s4,c4 #djja72  7#b7 by /rik+  
*apt]s ,i & ,,ii 7#db ,u4,s4,c4 #djaa et
 seq472  7#c7 9 section #acfj 7#db      
,u4,s4,c4 #daja7--  7,a7 9 subsection   
7a77#b71 by /rik+ until ! date specifi$ 
9 section #acai2  7,b7 by /rik+         
subsection 7d72  7,c7 9 subsection 7g7--
  7i7 by /rik+ ,to promote compliance ) 
! requirem5ts ( ?is title1 ! & ins]t+   
,!2  7ii7 by /rik+ directly responsible 
= coord9at+ ! national flood insurance  
program2 &  7iii7 9 ! la/ s5t5ce1 by    
/rik+ ,national ,flood ,insurance ,fund1
 pursuant to section #acaj7;b77#f7 &    
ins]t+ ! foll[+3 ,g5]al ,fund ( !       
,treasury & %all be us$ only = r$uc+ !  
debt ( ! ,f$]al ,gov]nm5t2 &  7,d7 9    
subsection 7i7--  7i7 by /rik+ free (   
*>ge & ins]t+ at co/2  7ii7 by /rik+ &  
,/ates & communities p>ticipat+ 9 !     
national flood insurance program        

pursuant to section #acaj & at co/ to   
all o!r & ins]t+ 1 ,/ates & communities1
 & o!r int]e/$2 &  7iii7 9 ! la/ s5t5ce1
 by /rik+ ,national ,flood ,insurance   
,fund1 pursuant to section #acaj7;b77#f7
 & ins]t+ ! foll[+3 ,g5]al ,fund ( !    
,treasury & %all be us$ only = r$uc+ !  
debt ( ! ,f$]al ,gov]nm5t2  7#d7 9      
section #acfc 7#db ,u4,s4,c4 #dajd7--   
7,a7 9 subsection 7e7--  7i7 9 ! second 
s5t5ce1 by /rik+ ! ,sci5tific           
,resolution ,panel provid$ = 9 section  
#acfc;,a & ins]t+ an indep5d5t sci5tific
 body or appropriate ,f$]al ag5cy =     
advice2 &  7ii7 by /rik+ ! ?ird & fif?  
s5t5ces2  7,b7 9 subsection 7g71 by     
/rik+ ,except z provid$ 9 section       
#acfc;,a1 any & ins]t+ ,any2  7#e7 by   
/rik+ section #acfc;,a 7#db ,u4,s4,c4   
#dajd-a72  7#f7 9 section #acfd 7#db    
,u4,s4,c4 #dajd;a7--  7,a7 9 subsection 
7a7--  7i7 9 p>agraphs 7#a7 & 7#b71 by  
/rik+ or ! ,flood ,disa/] ,protection   
,act ( #aigc ea* place su* t]m appe>s2 &
  7ii7 9 p>agraph 7#c7--  7,i7 by /rik+ 

subp>agraphs 7,b7 & 7,c7 & ins]t+ !     
foll[+3  7,b7 a /atem5t t flood         
insurance cov]age may be available 9 !  
private m>ket or ?r\gh a ,/ate-sponsor$ 
program2 &  2 &  7,,ii7 by r$esignat+   
subp>agraph 7,d7 z subp>agraph 7,c72 &  
7,b7 by /rik+ subsections 7b7 & 7c72    
7#g7 9 section #acfe 7#db ,u4,s4,c4     
#dajd;b7--  7,a7 9 subsection 7a71 by   
/rik+ & 9 :i* flood insurance "u ?is    
title is available2 &  7,b7 9 subsection
 7b7--  7i7 by /rik+ p>agraph 7#a72 &   
7ii7 9 p>agraph 7#b7--  7,i7 9 ! fir/   
s5t5ce1 by /rik+ ! community            
id5tification numb] & community         
p>ticipation /atus 7= purposes ( !      
national flood insurance program7 ( !   
community 9 :i* ! improv$ real e/ate or 
su* prop]ty is locat$12 &  7,,ii7 9 !   
?ird s5t5ce1 by /rik+ because ! build+  
or mobile home is n locat$ 9 a community
 t is p>ticipat+ 9 ! national flood     
insurance program or2  7#h7 by /rik+    
sections #acff & #acfg 7#db ,u4,s4,c4   
#dajd;c1 #dajd;d72  7#i7 9 section #acgj

 7#db ,u4,s4,c4 #daba7--  7,a7 by /rik+ 
p>agraphs 7#c71 7#d71 7#e71 7#g71 7#ad71
 & 7#ae72  7,b7 9 p>agraph 7#ab77;,b71  
by /rik+ ! semicolon at ! end & ins]t+ 2
 &2  7,c7 9 p>agraph 7#ac71 by /rik+ !  
semicolon at ! end & ins]t+ a p]iod2 &  
7,d7 by r$esignat+ p>agraphs 7#f71 7#h71
 7#i71 7#aj71 7#aa71 7#ab71 & 7#ac71 z s
 am5d$1 z p>agraphs 7#c71 7#d71 7#e71   
7#f71 7#g71 7#h71 & 7#i71 respectively2 
7#aj7 by /rik+ sections #acga ?r\gh     
#acge 7#db ,u4,s4,c4 #dabb-bf72  7#aa7 9
 section #acgf 7#db ,u4,s4,c4 #dabg7--  
7,a7 9 subsection 7a71 by /rik+ to c>ry 
out ?is title & all t foll[s ?r\gh ! end
 ( p>agraph 7#c7 & ins]t+ to c>ry out ! 
mapp+1 /udies1 inve/igations1 & o!r     
responsibilities ( ! ,director "u ?is   
title2 &  7,b7 by /rik+ subsection 7c72 
&  7#ab7 by /rik+ section #acgg 7#db    
,u4,s4,c4 #djja note74  7b7 ,flood      
,disa/] ,protection ,act ( #aigc ,!     
,flood ,disa/] ,protection ,act ( #aigc 
is am5d$--  7#a7 by /rik+ section #b    
7#db ,u4,s4,c4 #djjb72  7#b7 by /rik+   

section #ajb 7#db ,u4,s4,c4 #djab;a72   
7#c7 9 section #bja 7#db ,u4,s4,c4      
#daje7--  7,a7 by /rik+ subsection 7a7 &
 ins]t+ ! foll[+ new subsection3  7a7 ,z
 in=mation becomes available to !       
,director conc]n+ ! exi/5ce ( flood     
haz>ds1 ! ,director %all publi%         
in=mation 9 accordance ) section        
#acfj7;a77#a7 ( ! ,national ,flood      
,insurance ,act ( #aifh & %all notify ! 
*ief executive (fic] ( ea* kn[n         
flood-prone community ( its t5tative    
id5tification z a community conta9+ "o  
or m areas hav+ special flood haz>ds4  2
  7,b7 9 subsection 7b71 by /rik+ %all  
ei!r 7#a7 promptly make prop]           
application to p>ticipate 9 ! national  
flood insurance program or 7#b7 & ins]t+
 may2  7,c7 by /rik+ subsections 7c7 &  
7d72 &  7,d7 by r$esignat+ subsection   
7e7 z subsection 7c72 &  7#d7 by /rik+  
section #bjb 7#db ,u4,s4,c4 #dajf74  7c7
 ,bigg]t-,wat]s ,flood ,insurance ,re=m 
,act ( #bjab ,! ,bigg]t-,wat]s ,flood   
,insurance ,re=m ,act ( #bjab is am5d$--

  7#a7 9 section #ajjbae 7#db ,u4,s4,c4 
#daja;a7--  7,a7 9 subsection 7b77#b71  
by /rik+ insurance rate & ins]t+ risk 2 
7,b7 9 subsection 7c71 by /rik+         
insurance rate ea* place su* t]m appe>s 
& ins]t+ risk2  7,c7 9 subsection 7d7-- 
7i7 9 p>agraph 7#a77;,a77i71 by /rik+   
insurance rate & ins]t+ risk2 &  7ii7 9 
p>agraph 7#b71 by /rik+ ,national ,flood
 ,insurance ,program rate & ins]t+ flood
 risk2 &  7,d7 9 subsection 7l77#b71 by 
/rik+ insurance rate & ins]t+ risk2     
7#b7 9 section #ajjbaf 7#db ,u4,s4,c4   
#daja;b7--  7,a7 9 subsection 7a71 by   
/rik+ ,national ,flood ,insurance       
,program rate & ins]t+ flood risk2  7,b7
 9 subsection 7b7--  7i7 9 p>agraph     
7#a71 by /rik+ ,national ,flood         
,insurance ,program rate ea* place su*  
t]m appe>s 9 subp>agraphs 7,a7 & 7,c7 & 
ins]t+ flood risk2 &  7ii7 9 p>agraph   
7#b77;,b71 by /rik+ ,national ,flood    
,insurance ,program2  7,c7 9 subsection 
7d7--  7i7 9 p>agraph 7#a7--  7,i7 9    
subp>agraph 7,a71 by /rik+ effects-- &  

all t foll[s & ins]t+ effects ( any     
pot5tial *anges to flood risk maps t may
 result f ! mapp+ program requir$ "u ?is
 section42 &  7,,ii7 9 subp>agraph 7,b71
 by /rik+ 7) reg>d to cont5ts           
insurance72 &  7ii7 9 p>agraph 7#b7--   
7,i7 9 subp>agraph 7,a71 by /rik+ cov]$ 
by ! m&atory flood insurance pur*ase    
requirem5ts "u section #ajb ( ! ,flood  
,disa/] ,protection ,act ( #aigc 7#db   
,u4,s4,c4 #djab;a7 & ins]t+ hav+ special
 flood haz>ds2  7,,ii7 9 subp>agraph    
7,b71 by /rik+ subject to ! flood       
insurance m&atory pur*ase requirem5t &  
ins]t+ areas hav+ special flood haz>ds2 
&  7,,iii7 9 subp>agraph 7,c71 by /rik+ 
1 includ+ & all t foll[s ?r\gh 7#db     
,u4,s4,c4 #djaa et seq472 &  7,d7 9     
subsection 7e7--  7i7 by /rik+ ,national
 ,flood ,insurance ,program rate &      
ins]t+ flood risk2  7ii7 by /rik+       
insurance rates & ins]t+ risk           
designations2 &  7iii7 by /rik+ its rate
 maps & ins]t+ its risk maps2 &  7#c7 by
 /rik+--  7,a7 section #ajjbbd 7#db     

,u4,s4,c4 #djha note2 relat+ to ov]sight
 & exp5se reimbursem5ts ( insurance     
companies72  7,b7 section #ajjbbf 7#db  
,u4,s4,c4 #daja note2 relat+ to flood   
protection /ructure accr$itation task   
=ce72  7,c7 section #ajjbbg 7#db        
,u4,s4,c4 #djaa note2 relat+ to flood 9 
progress det]m9ations72  7,d7 section   
#ajjbbi 7#abf ,/at4 #ide2 relat+ to     
local data requirem5t72  7,e7 section   
#ajjbcj 7#db ,u4,s4,c4 #djad note2      
relat+ to eligibility = insurance72     
7,f7 section #ajjbca 7#abf ,/at4 #idi2  
relat+ to /udies & reports72  7,g7      
subsections 7a71 7b71 7c71 & 7e7 (      
section #ajjbcb 7#abf ,/at4 #iec2 relat+
 to re9surance72  7,h7 section #ajjbcc  
7#abf ,/at4 #iee2 relat+ to ,,gao /udy  
on bus9ess int]ruption & additional liv+
 exp5ses cov]ages72  7,i7 section       
#ajjbcd 7#db ,u4,s4,c4 #djac;a2 relat+  
to policy disclosures72  7,j7 section   
#ajjbcf 7#abf ,/at4 #ieg2 relat+ to /udy
 ( p>ticipation & af=dability = c]ta9   
policyhold]s72  7,k7 section #ajjbcg    

7#abf ,/at4 #ieg2 relat+ to /udy &      
report conc]n+ ,indian tribe & memb]    
p>ticipation 9 flood insurance program72
  7,l7 section #ajjbdj 7#abf ,/at4 #ifa2
 relat+ to levees con/ruct$ on c]ta9    
prop]ties72  7,m7 section #ajjbdg 7#abf 
,/at4 #ifg2 relat+ to ,,fio /udy on     
risks1 haz>ds1 & insurance72 &  7,n7    
section #ajjbdh 7#abf ,/at4 #ifh2 relat+
 to flood protection improvem5ts        
con/ruct$ on c]ta9 prop]ties74  7d7     
,bunn+-,b]eut]-,blum5au] ,flood         
,insurance ,re=m ,act ( #bjjd ,!        
,bunn+-,b]eut]-,blum5au] ,flood         
,insurance ,re=m ,act ( #bjjd is am5d$  
by /rik+ title ,,ii 7#aah ,/at4 #gbe74  
7e7 ,national ,flood ,insurance ,re=m   
,act ( #aiid ,! ,national ,flood        
,insurance ,re=m ,act ( #aiid is am5d$  
by /rik+ sections #efa 7#db ,u4,s4,c4   
#djaa note71 #efb 7#db ,u4,s4,c4 #dajb  
note71 #egh 7#db ,u4,s4,c4 #djad note71 
#egi7;b71 & #ehb 7#db ,u4,s4,c4         
#eaed;a74  7f7 ,f$]al ,flood ,insurance 
,act ( #aief ,section #ae ( ! ,f$]al    

,flood ,insurance ,act ( #aief 7#db     
,u4,s4,c4 #bdad7 is am5d$ by /rik+      
subsection 7e74  7g7 ,real ,e/ate       
,proc$ures ,act ( #aigd ,p>agraph #ad ( 
section #e7;b7 ( ! ,real ,e/ate         
,settlem5t ,proc$ures ,act ( #aigd 7#ab 
,u4,s4,c4 #bfjd7;b77#ad77 is am5d$ by   
/rik+ "u ! ,national ,flood ,insurance  
,program or4  7h7 ,h\s+ & ,community    
,developm5t ,act ( #aigd ,p>agraph 7#bh7
 ( section #aje7;a7 ( ! ,h\s+ &         
,community ,developm5t ,act ( #aigd 7#db
 ,u4,s4,c4 #ecje7;a77#bh77 is am5d$--   
7#a7 9 ! matt] prec$+ subp>agraph 7,a7--
  7,a7 by /rik+ p>ticipate 9 ! national 
flood insurance program & ins]t+ h areas
 designat$2  7,b7 by ins]t+ z hav+      
special flood haz>ds aft] ! fir/ comma2 
&  7,c7 by /rik+ "u su* ,act2 &  7#b7 9 
subp>agraph 7,a7--  7,a7 9 clause 7i71  
by /rik+ p>ticipate 9 ! national flood  
insurance program & ins]t+ h areas      
designat$ z hav+ special flood haz>ds2  
7,b7 9 clause 7ii71 by /rik+ & ! effect 
( su* inclusion & all t foll[ ?r\gh to  

su* prop]ty2  7,c7 9 clause 7iii71 by   
/rik+ ! flood insurance m&atory pur*ase 
requirem5t & ins]t+ special flood       
haz>ds2  7,d7 9 clause 7iv71 by /rik+ 1 
includ+1 :]e applicable1 l[]-co/ pref]r$
 risk policies "u ?is title = su*       
prop]ties & ! cont5ts ( su* prop]ties2  
7,e7 9 clause 7vi7 by /rik+ 1 includ+ a 
telephone numb] & all t foll[s ?r\gh is 
available2 &  7,f7 9 clause 7vii7--  7i7
 by /rik+ p>ticipat+ 9 ! national flood 
insurance program reg>d+ ! program & &  
ins]t+ hav+ areas designat$ z hav+      
special flood haz>ds reg>d+2 &  7ii7 by 
/rik+ cov]age "u ! ,national ,flood     
,insurance ,act ( #aifh & ins]t+ private
 flood insurance cov]age4  7i7          
,effective date ,! am5dm5ts made by ?is 
section %all take effect at ! end (     
,decemb] #ca1 #bjae4  #d4 ,int]/ate     
compacts = flood insurance cov]age  7a7 
,congressional cons5t ,! cons5t ( !     
,congress is h]eby giv5 to any two or m 
,/ates to ent] into agreem5t or         
compacts1 n 9 conflict ) any law ( !    

,unit$ ,/ates1 = mak+ available to      
int]e/$ p]sons insurance cov]age aga9/  
loss result+ f physical damage to or    
loss ( real prop]ty or p]sonal prop]ty  
relat$ !reto aris+ f any flood occurr+ 9
 ! ,unit$ ,/ates4  7b7 ,rights res]v$ ,!
 "r to alt]1 am5d1 or repeal ?is        
section1 or cons5t grant$ by ?is        
section1 is expressly res]v$ to !       
,congress4