,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #cggi  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #af1 #bjai,ms4  
,craig 7= h]self1 ,mr4 ,rodney ,davis ( 
,ill9ois1 ,ms4 ,mc,collum1 ,mr4 ,craw=d1
 ,mr4 ,k9d1 & ,mr4 ,smi? ( ,miss\ri7    
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,transportation &      
,infra/ructure  ,a ,,bill  ,to am5d !   
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act to all[ !      
,adm9i/rator ( ! ,f$]al ,em]g5cy        
,managem5t ,ag5cy to provide            
capitalization grants to eligible       
entities to e/abli% revolv+ funds to    
provide assi/ance to r$uce disa/] risks1
 & = o!r purposes4  #a4 ,%ort title ,?is
 ,act may be cit$ z ! ,resili5ce        
,revolv+ ,loan ,fund ,act ( #bjai4  #b4 
,grants to entities = e/abli%m5t ( haz>d
 mitigation revolv+ loan funds ,title   
,,ii ( ! ,rob]t ,t4 ,/af=d ,disa/]      
,relief & ,em]g5cy ,assi/ance ,act 7#db 
,u4,s4,c4 #eaca et seq47 is am5d$ by    
add+ at ! end ! foll[+3  #bje4 ,grants  

to entities = e/abli%m5t ( haz>d        
mitigation revolv+ loan funds  7a7      
,g5]al au?ority  7#a7 ,9 g5]al ,!       
,adm9i/rator may ent] into agreem5ts )  
eligible entities to make capitalization
 grants to su* entities = ! e/abli%m5t (
 haz>d mitigation revolv+ loan funds    
7ref]r$ to 9 ?is section z entity loan  
funds7 = provid+ fund+ assi/ance to     
local gov]nm5ts to c>ry out eligible    
projects "u ?is section to r$uce disa/] 
risk 9 ord] to decrease--  7,a7 ! loss (
 life & prop]ty2  7,b7 ! co/ ( insurance
 claims2 &  7,c7 ,f$]al disa/] paym5ts4 
7#b7 ,agreem5ts ,any agreem5t ent]$ into
 "u ?is section %all require !          
p>ticipat+ entity to--  7,a7 comply ) ! 
requirem5ts ( ?is section2 &  7,b7 use  
acc\nt+1 audit1 & fiscal proc$ures      
con=m+ to g5]ally accept$ acc\nt+ /&>ds4
  7b7 ,application  7#a7 ,9 g5]al ,to be
 eligible to receive a capitalization   
grant "u ?is section1 an eligible entity
 %all submit to ! ,adm9i/rator an       
application t includes ! foll[+3  7,a7  

,project proposals compris$ ( local     
gov]nm5t haz>d mitigation projects1 on !
 condition t ! entity provides public   
notice n less ?an #f weeks prior to !   
submission ( an application4  7,b7 ,an  
assessm5t ( recurr+ major disa/]        
vuln]abilities impact+ ! entity t       
demon/rates an escalat+ risk to life &  
prop]ty4  7,c7 ,a description ( h[ !    
haz>d mitigation plan ( ! entity has or 
has n tak5 ! vuln]abilities describ$ 9  
p>agraph 7#b7 into acc\nt4  7,d7 ,a     
description ab\t h[ ! projects describ$ 
9 p>agraph 7#a7 c\ld con=m ) ! haz>d    
mitigation plans ( ! entity & local     
gov]nm5ts4  7,e7 ,a proposal ( !        
sy/ematic & regional approa* to a*ieve  
resili5ce 9 a vuln]able area1 includ+   
impacts to riv] bas9s1 riv] corridors1  
wat]%$s1 e/u>ies1 bays1 coa/al regions1 
micro-bas9s1 micro-wat]%$s1 ecosy/ems1 &
 areas at risk ( e>?quakes1 tsunamis1   
dr\ghts1 & wildfires1 includ+ !         
wildl&-urban int]face4  7#b7 ,te*nical  
assi/ance ,! ,adm9i/rator %all provide  

te*nical assi/ance to eligible entities 
= applications "u ?is section4  7c7     
,entity loan fund  7#a7 ,e/abli%m5t (   
fund ,an entity t receives a            
capitalization grant "u ?is section %all
 e/abli% an entity loan fund t complies 
) ! requirem5ts ( ?is subsection4  7#b7 
,fund managem5t ,except z provid$ 9     
p>agraph 7#c71 an entity loan funds %all
 be adm9i/]$ by ! ag5cy responsible =   
em]g5cy managem5t = su* entity & %all   
include only--  7,a7 funds provid$ by a 
capitalization grant "u ?is section2    
7,b7 repaym5ts ( loans "u ?is section to
 ! entity loan fund2 &  7,c7 int]e/ e>n$
 on am\nts 9 ! entity loan fund4  7#c7  
,adm9i/ration ,a p>ticipat+ entity may  
comb9e ! f9ancial adm9i/ration ( !      
entity loan fund ( su* entity ) !       
f9ancial adm9i/ration ( any o!r revolv+ 
fund e/abli%$ by su* entity if !        
,adm9i/rator det]m9es t--  7,a7 !       
capitalization grant1 entity %>e1       
repaym5ts ( loans1 & int]e/ e>n$ on     
am\nts 9 ! entity loan fund are acc\nt$ 

= sep>ately f o!r am\nts 9 ! revolv+    
fund2 &  7,b7 ! au?ority to e/abli%     
assi/ance priorities & c>ry out ov]sight
 activities rema9s 9 ! control ( ! ag5cy
 responsible = em]g5cy managem5t = !    
entity4  7#d7 ,entity %>e ( funds ,on or
 be=e ! date on :i* a p>ticipat+ entity 
receives a capitalization grant "u ?is  
section1 ! entity %all deposit into !   
entity loan fund ( su* entity1 an am\nt 
equal to n less ?an #aj p]c5t ( ! am\nt 
( ! capitalization grant4  7d7          
,apportionm5t  7#a7 ,9 g5]al ,except z  
o!rwise provid$ by ?is subsection1 !    
,adm9i/rator %all apportion funds made  
available to c>ry out ?is section to    
entities t h ent]$ into an agreem5t "u  
subsection 7a77#b7 9 am\nts z det]m9$ by
 ! ,adm9i/rator4  7#b7 ,res]vation (    
funds ,! ,adm9i/rator %all res]ve n m   
?an #b4e p]c5t ( ! am\nt made available 
to c>ry out ?is section =--  7,a7       
adm9i/rative co/s incurr$ 9 c>ry+ out   
?is section2  7,b7 provid+ te*nical     
assi/ance to p>ticipat+ entities "u     

subsection 7b77#b72 &  7,c7             
capitalization grants to insul> areas "u
 p>agraph 7#d74  7#c7 ,priority ,9 !    
apportionm5t ( capitalization grants "u 
?is subsection1 ! ,adm9i/rator %all give
 priority to entity applications "u     
subsection 7b7 t--  7,a7 propose        
projects increas+ resili5ce & r$uc+ risk
 ( h>m to natural & built infra/ructure2
  7,b7 involve a p>tn]%ip betwe5 two or 
m eligible entities to c>ry out a       
project or simil> projects2  7,c7 take  
into acc\nt regional impacts ( haz>ds on
 riv] bas9s1 riv] corridors1            
micro-wat]%$s1 macro-wat]%$s1 e/u>ies1  
bays1 coa/al regions1 & areas vuln]able 
to e>?quake1 dr\ght1 tsunamis &         
wildfire1 includ+ ! wildl&-urban        
int]face2 or  7,d7 propose projects = ! 
resili5ce ( major economic sectors or   
critical national infra/ructure1 includ+
 ports1 global commodity supply *a9     
assets 7locat$ )9 an entity or )9 !     
jurisdiction ( local gov]nm5ts1 insul>  
areas1 & tribal gov]nm5ts71 capacity1   

p[] & wat] production & di/ribution     
c5t]s1 & bridges & wat]ways ess5tial to 
int]/ate comm]ce4  7#d7 ,insul> areas   
7,a7 ,apportionm5t ,f any am\nt rema9+ (
 funds res]v$ "u p>agraph 7#b71 !       
,adm9i/rator may ent] into agreem5ts to 
provide capitalization grants to insul> 
areas4  7,b7 ,requirem5ts ,an insul>    
area receiv+ a capitalization grant "u  
?is section %all comply ) ! requirem5ts 
( ?is section z appli$ to p>ticipat+    
entities4  7e7 ,environm5tal review (   
revolv+ loan fund projects ,!           
,adm9i/rator may delegate to a          
p>ticipat+ entity all ( !               
responsibilities = environm5tal review1 
decision mak+1 & action pursuant !      
,national ,environm5tal ,policy ,act (  
#aifi 7#db ,u4,s4,c4 #dcba et seq471 &  
o!r applicable ,f$]al environm5tal laws 
includ+ ! ,endang]$ ,species ,act (     
#aigc 7#af ,u4,s4,c4 #aeca et seq47 & ! 
,national ,hi/oric ,pres]vation ,act (  
#aiff 7#af ,u4,s4,c4 #dgj et seq47 t    
w\ld apply to ! ,adm9i/rator 7 !        

,adm9i/rator to und]take projects "u ?is
 section z ,f$]al projects s long z !   
p>ticipat+ entity c>ry out su*          
responsibilities 9 ! same mann] &       
subject to ! same requirem5ts z if !    
,adm9i/rator c>ri$ out su*              
responsibilities4  7f7 ,use ( funds     
7#a7 ,types ( assi/ance ,am\nts deposit$
 9 an entity loan fund1 includ+ loan    
repaym5ts & int]e/ e>n$ on su* am\nts1  
may be us$--  7,a7 to make loans1 on !  
condition t-- 7i7 su* loans are made at 
an int]e/ rate ( n m ?an #a4e p]c5t2    
7ii7 annual pr9cipal & int]e/ paym5ts w 
comm5ce n lat] ?an #a ye> aft]          
completion ( any project & all loans w  
be fully amortiz$--  7,i7 n lat] ?an #bj
 ye>s aft] ! date on :i* ! project is   
complet$2 or  7,,ii7 = projects 9 a     
l[-income geographic area1 n lat] ?an   
#cj ye>s aft] ! date on :i* ! projects  
is complet$ & n long] ?an ! expect$     
design life ( ! project2  7iii7 ! local 
gov]nm5t receiv+ a loan e/abli%es a     
d$icat$ s\rce ( rev5ue = repaym5t ( !   

loan2  7iv7 ! local gov]nm5t receiv+ a  
loan has a haz>d mitigation plan t has  
be5 approv$ by ! ,adm9i/rator2 &  7v7 ! 
entity loan fund w be cr$it$ ) all      
paym5ts ( pr9cipal & int]e/ on all      
loans2  7,b7 = mitigation plann+1 n to  
exce$ #aj p]c5t ( ! capitalization      
grants made to ! p>ticipat+ entity 9 a  
fiscal ye>2  7,c7 = ! reasonable co/s ( 
adm9i/]+ ! fund & conduct+ activities "u
 ?is section1 except t su* am\nts %all n
 exce$ #ajj1jjj p] ye>1 #b p]c5t ( !    
capitalization grants made to !         
p>ticipat+ entity 9 a fiscal ye>1 or #a 
p]c5t ( ! value ( ! entity loan fund1   
:i*ev] am\nt is greate/1 plus ! am\nt ( 
any fees collect$ by ! entity = su*     
purpose reg>dless ( ! s\rce2 &  7,d7 to 
e>n int]e/ on ! entity loan fund4  7#b7 
,prohibition on det]m9ation t loan is a 
duplication ,9 c>ry+ out ?is section1   
,adm9i/rator may n det]m9e t a loan is a
 duplication ( assi/ance or a           
duplication ( programs4  7#c7 ,projects 
& activities eligible = assi/ance       

,except z provid$ 9 ?is subsection1 a   
p>ticipat+ entity may use funds 9 !     
entity loan fund to provide f9ancial    
assi/ance = projects or activities t    
mitigate ! impacts ( haz>ds1 includ+--  
7,a7 dr\ght & prolong$ episodes ( int5se
 heat2  7,b7 sev]e /orms1 includ+       
tornados1 w9d /orms1 cyclones1 & sev]e  
w9t] /orms2  7,c7 wildfires2  7,d7      
e>?quakes2  7,e7 flood+2  7,f7 /orm     
surges2  7,g7 *emical spills t pres5t an
 imm95t ?reat to life & prop]ty2  7,h7  
seepage result+ f *emical spills &      
flood+2 &  7,i7 any cata/rophic ev5t t !
 entity det]m9es appropriate4  7#d7     
,zon+ & l& use plann+ *anges ,a         
p>ticipat+ entity may use n m ?an #aj   
p]c5t ( a capitalization grant "u ?is   
section = zon+ & l& use plann+ *anges   
focus$ on--  7,a7 ! developm5t &        
improvem5t ( zon+ & l& use codes t      
inc5tivize & enc\rage l[-impact         
developm5t1 resili5t wildl&-urban       
int]face l& managem5t & developm5t1     
natural infra/ructure1 gre5 /ormwat]    

managem5t1 cons]vation areas adjac5t to 
floodpla9s1 implem5tation ( wat]%$ or   
gre5way ma/] plans1 & reconnection (    
floodpla9s2  7,b7 ! /udy & creation (   
agricultural risk comp5sation di/ricts  
:]e !re is a desire to remove or        
set-back levees protect+ highly develop$
 agricultural l& to mitigate = flood+1  
all[+ agricultural produc]s to receive  
comp5sation = assum+ great] flood risk t
 w\ld alleviate flood exposure to       
populations c5t]s & areas ) critical    
national infra/ructure2  7,c7 ! /udy &  
creation ( l& use inc5tives t rew>d     
develop]s = great] reliance on l[ impact
 developm5t /ormwat] be/ managem5t      
practices1 ex*ange d5sity increases =   
increas$ op5 space & improvem5t (       
neighborhood cat* bas9s to mitigate     
urban flood+1 rew>d develop]s = includ+ 
& augm5t+ natural infra/ructure adjac5t 
to & ar\nd build+ projects )\t reliance 
on increas$ sprawl1 & rew>d develop]s = 
address+ wildfire ignition2 &  7,d7 !   
/udy & creation ( an erosion response   

plan t accommodates riv]1 lake1 =e/1    
pla9s1 & ocean %orel9e retreat+ or bluff
 /abilization due to increas$ flood+ &  
disa/] impacts4  7#e7 ,e/abli%+ & c>ry+ 
out build+ code en=cem5t ,a p>ticipat+  
entity may use capitalization grants "u 
?is section = e/abli%+ & c>ry+ out !    
late/ publi%$ editions ( relevant build+
 codes1 specifications1 & /&>ds = !     
purpose ( protect+ ! heal?1 safety1 &   
g5]al welf>e ( ! build+s us]s aga9/     
disa/]s4  7#f7 ,adm9i/rative & te*nical 
co/s ,= ea* fiscal ye>1 a p>ticipat+    
entity may use ! am\nt describ$ 9       
p>agraph 7#a77;,c7 to-- 7,a7 pay !      
reasonable co/s ( adm9i/]+ ! programs "u
 ?is section1 includ+ ! co/ ( e/abli%+  
an entity loan fund2  7,b7 provide      
te*nical assi/ance to recipi5ts (       
f9ancial assi/ance f ! entity loan fund1
 on ! condition t su* te*nical assi/ance
 does n exce$ #e p]c5t ( !              
capitalization grant made to su* entity4
  7#g7 ,limitation = s+le projects ,a   
p>ticipat+ entity may n provide an am\nt

 equal to or m ?an #e1jjj1jjj to a s+le 
haz>d mitigation project4  7g7 ,int5d$  
use plans  7#a7 ,9 g5]al ,aft] provid+ =
 public comm5t & review1 & consultation 
) appropriate ag5cies 9 an entity1      
,f$]al ag5cies1 & int]e/ gr\ps1 ea*     
p>ticipat+ entity %all annually prep>e &
 submit to ! ,adm9i/rator a plan        
id5tify+ ! int5d$ uses ( ! entity loan  
fund4  7#b7 ,cont5ts ( plan ,an entity  
int5d$ use plan prep>$ "u p>agraph 7#a7 
%all include-- 7,a7 ! integration (     
entity plann+ ef=ts1 includ+ entity     
haz>d mitigation plans & o!r programs & 
initiatives relat+ to mitigation ( major
 disa/]s c>ri$ out by su* entity2  7,b7 
an explanation ( ! mitigation &         
resili5cy b5efits ! entity int5ds to    
a*ieve by-- 7i7 r$uc+ future damage &   
loss associat$ ) haz>ds2  7ii7 r$uc+ !  
numb] ( sev]e repetitive loss /ructures 
& repetitive loss /ructures 9 ! entity2 
7iii7 decreas+ ! numb] ( insurance      
claims 9 ! entity f injuries result+ f  
major disa/]s or o!r haz>ds2 &  7iv7    

increas+ ! rat+ "u ! community rat+     
sy/em "u section #acae7;b7 ( ! ,h\s+ &  
,urban ,developm5t ,act ( #aifh 7#db    
,u4,s4,c4 #djbb7;b77 = communities 9 !  
entity2  7,c7 in=mation on !            
availability (1 & application process =1
 f9ancial assi/ance f ! entity loan fund
 ( su* entity2  7,d7 ! crit]ia & me?ods 
e/abli%$ = ! di/ribution ( funds2  7,e7 
! am\nt ( f9ancial assi/ance t ! entity 
anticipates apportion+2  7,f7 ! expect$ 
t]ms ( ! assi/ance provid$ f ! entity   
loan fund2 &  7,g7 a description ( !    
f9ancial /atus ( ! entity loan fund1    
includ+ %ort-t]m & long-t]m goals = !   
fund4  7h7 ,audits1 reports1            
publications1 & ov]sight  7#a7 ,bi5nial 
entity audit & report ,beg9n+ n lat] ?an
 ! la/ day ( ! second fiscal ye> aft] ! 
receipt ( paym5ts "u ?is section1 &     
bi5nially !reaft]1 any p>ticipat+ entity
 %all--  7,a7 conduct an audit ( su*    
fund e/abli%$ "u subsection 7b72 &  7,b7
 provide to ! ,adm9i/rator a report     
includ+--  7i7 ! result ( any su* audit2

 &  7ii7 a review ( ! effectiv5ess ( !  
entity loan fund ( ! entity ) respect to
 meet+ ! goals & int5d$ b5efits describ$
 9 ! int5d$ use plan submitt$ by !      
entity "u subsection 7f74  7#b7         
,publication ,a p>ticipat+ entity %all  
publi% & p]iodically update in=mation   
ab\t all projects receiv+ fund+ f !     
entity loan fund ( su* entity1 includ+--
  7,a7 ! location ( ! project2  7,b7 !  
type & am\nt ( assi/ance provid$ f !    
entity loan fund2  7,c7 ! expect$ fund+ 
s*$ule2 &  7,d7 ! anticipat$ date (     
completion ( ! project4  7#c7 ,ov]sight 
7,a7 ,9 g5]al ,! ,adm9i/rator %all1 at  
lea/ e #d ye>s1 conduct reviews & audits
 z may be det]m9$ necess>y or           
appropriate by ! ,adm9i/rator to c>ry   
out ! objectives ( ?is section & det]m9e
 ! effectiv5ess ( ! fund 9 r$uc+ haz>d  
risk4  7,b7 ,,gao requirem5ts ,! entity 
%all conduct audits "u p>agraph 7#a7 9  
accordance ) ! audit+ proc$ures ( !     
,gov]nm5t ,acc\ntability ,(fice1 includ+
 *apt] #ge ( title #ca4  7,c7           

,recomm5dations by ,adm9i/rator ,!      
,adm9i/rator may at any "t make         
recomm5dations = or require specific    
*anges to an entity's loan fund 9 ord]  
to improve ! effectiv5ess ( ! fund4  7i7
 ,regulations or guidance ,!            
,adm9i/rator %all issue su* regulations 
or guidance z are necess>y to-- 7#a7    
ensure t ea* p>ticipat+ entity uses     
funds z effici5tly z possible2 &  7#b7  
r$uce wa/e1 fraud1 & abuse to ! maximum 
ext5t possible4  7j7 ,def9itions ,9 ?is 
section1 ! foll[+ def9itions apply3     
7#a7 ,eligible entity ,! t]m eligible   
entity means any ,/ate ( ! ,unit$ ,/ates
 & an ,indian tribal gov]nm5t z def9$ 9 
section #ajb ( ?is ,act 7#db ,u4,s4,c4  
#eabb74  7#b7 ,haz>d mitigation plan ,! 
t]m haz>d mitigation plan means a       
mitigation plan submitt$ "u section #cbb
 & approv$ by ! ,adm9i/rator4  7#c7     
,insul> area ,! t]m insul> area means   
,guam1 ,am]ican ,samoa1 ! ,commonweal? (
 ! ,nor!rn ,m>iana ,isl&s1 & ! ,unit$   
,/ates ,virg9 ,isl&s4  7#d7 ,l[-income  

geographic area ,! t]m l[-income        
geographic area means an area describ$ 9
 p>agraph 7#a7 or 7#b7 ( section        
#cja7;a7 ( ! ,public ,works & ,economic 
,developm5t ,act ( #aife 7#db ,u4,s4,c4 
#cafa7;a774  7#e7 ,p>ticipat+ entity ,! 
t]m p>ticipat+ entity means an eligible 
entity t has ent]$ into an agreem5t "u  
?is section4  7#f7 ,repetitive loss     
/ructure ,! t]m repetitive loss /ructure
 has ! mean+ giv5 ! t]m 9 section #acgj 
( ! ,national ,flood ,insurance ,act    
7#db ,u4,s4,c4 #daba74  7#g7 ,sev]e     
repetitive loss /ructure ,! t]m sev]e   
repetitive loss /ructure has ! mean+    
giv5 ! t]m 9 section #acff7;h7 ( !      
,national ,flood ,insurance ,act 7#db   
,u4,s4,c4 #dajd;c7h774  7#h7            
,wildl&-urban int]face ,! t]m           
wildl&-urban int]face has ! mean+ giv5 !
 t]m 9 section #aja ( ! ,heal?y ,=e/s   
,re/oration ,act ( #bjjc 7#af ,u4,s4,c4 
#feaa74  7k7 ,au?orization (            
appropriations ,!re is au?oriz$ to be   
appropriat$ #ajj1jjj1jjj = ea* ( fiscal 

ye>s #bjbj & #bjba4  4