,i  #aaith ,,congress  #b;d ,session    
,h4 ,r4 #gcee  ,,in ,,the ,,house ,,of  
,,representatives  ,february #d1        
#bjbf,ms4 ,dean of ,pennsylvania 7for   
herself and ,mr4 ,garbarino7 introduced 
the following bill2 which was referred  
to the ,committee on ,financial         
,services  ,a ,,bill  ,to provide for   
the disclosure and sharing of certain   
policy and claims information under the 
,national ,flood ,insurance ,program1   
and for other purposes4  #a4 ,short     
title ,this ,act may be cited as the    
,flood ,history ,information ,act of    
#bjbf4  #b4 ,data exchange program      
,section #acac of the ,national ,flood  
,insurance ,act of #aifh 7#db ,u4,s4,c4 
#djbj7 is amended-- 7#a7 by striking    
,the ,administrator shall and inserting 
the following3  7a7 ,availability of    
flood insurance information ,the        
,administrator shall  2 and  7#b7 by    
adding at the end the following new     
subsections3  7b7 ,data exchange program
  7#a7 ,in general ,the ,administrator  

shall disclose policy and claims        
information described in paragraph 7#b7 
to an insurance company1 as such term is
 defined in subsection 7f71 if such     
insurance company has entered into a    
data sharing agreement with the         
,administrator pursuant to paragraph    
7#c74  7#b7 ,data eligible for sharing  
,the ,administrator shall disclose the  
following claims and policy information1
 obtained in connection with a flood    
insurance policy made available under   
this title or through a data sharing    
agreement executed pursuant to paragraph
 7#c71 pursuant to paragraph 7#a73 7,a7 
,the location of the insured property1  
by address and latitude and longitude4  
7,b7 ,amount of coverage in force4  7,c7
 ,dates of loss4  7,d7 ,the amount paid 
on claims4  7,e7 ,any other claims and  
policy information the ,administrator   
determines necessary and appropriate4   
7#c7 ,data sharing agreement ,a data    
sharing agreement entered into pursuant 
to paragraph 7#a7 shall include-- 7,a7  

the terms and conditions under which    
insurance companies may use1 share1     
store1 and account for the data1 which  
shall at minimum include provisions     
ensuring that-- 7i7 the insurance       
company may only use information        
provided under the agreement for the    
purposes of underwriting1 establishing  
premium rates1 and adjusting claims2 and
  7ii7 the insurance company may not use
 the information provided as part of the
 agreement for marketing purposes2  7,b7
 an agreement by the insurance company  
to provide to the ,administrator the    
insurance company's policy and claims   
data in a form prescribed by the        
,administrator2 and  7,c7 any other     
terms and conditions the ,administrator 
determines are necessary and            
appropriate4  7c7 ,access to flood      
insurance information ,upon the request 
of a purchaser1 lessee1 or current owner
 of a property1 the ,administrator shall
 provide to the purchaser1 lessee1 or   
current owner of the property           

information pertaining to the property  
the purchaser or lessee is under        
contract to buy or lease1 respectively1 
or the current owner's property1 as     
follows3 7#a7 ,the number and dollar    
value of claims filed for the property1 
and factors related to the cause of     
loss1 over the life of the property1 as 
known to the ,administrator1 including  
claims made under-- 7,a7 a flood        
insurance policy made available under   
this ,act2 and  7,b7 a private flood    
insurance policy4  7#b7 ,information on 
whether the property owner may be       
required to purchase flood insurance    
coverage due to previous receipt of     
,federal disaster assistance subject to 
the mandatory purchase requirement under
 section #ajb of the ,flood ,disaster   
,protection ,act of #aigc4  7#c7 ,such  
other available information about the   
property as determined by the           
,administrator to accurately and        
adequately characterize the true flood  
risk to the property4  7d7 ,privacy     

protection ,disclosure of information   
contained within a system of records 7as
 such term is defined in section        
#eeb;a7a77#e7 of title #e1 ,united      
,states ,code7 as authorized in         
subsections 7b7 and 7c7 of this section 
shall be considered a routine use for   
the purposes of section #eeb;a7#c7 of   
title #e1 ,united ,states ,code4  7e7   
,fee  7#a7 ,in general ,to carry out    
subsection 7b71 the ,administrator may  
charge a fee to participating insurance 
companies under subsection 7b74 ,the    
,administrator shall not charge a fee to
 the current owner requesting flood     
insurance information under subsection  
7c74  7#b7 ,deposit ,the ,administrator 
shall deposit the fee collected under   
this subsection into the ,national      
,flood ,insurance ,fund established     
under section #acaj4  7f7 ,definition   
,for the purposes of this section the   
following definitions shall apply3 7#a7 
,insurance company ,the term insurance  
company means an insurance company that 

meets the requirements of subparagraph  
7,a7 of section #ajb7;b77#g7 of the     
,flood ,disaster ,protection ,act of    
#aigc 7#db ,u4,s4,c4                    
#djab;a7b77#g77;,a774  7#b7 ,lessee ,the
 term lessee means a person who enters  
into an agreement to lease1 rent1 or    
sublease a property4  7#c7 ,purchaser   
,the term purchaser means a person or   
entity that enters into an agreement to 
purchase an interest in a property4  4