II 

Calendar No. 317 

113TH CONGRESS 

2D SESSION H. R. 3370 

IN THE SENATE OF THE UNITED STATES 

MARCH 5, 2014 

Received; read the first time 

MARCH 6, 2014 

Read the second time and placed on the calendar 

AN ACT 

To delay the implementation of certain provisions of the 

Biggert-Waters Flood Insurance Reform Act of 2012, 

and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE AND TABLE OF CONTENTS. 

4 (a) SHORT TITLE.—This Act may be cited as the 

5 ‘‘Homeowner Flood Insurance Affordability Act of 2014’’. 

6 (b) TABLE OF CONTENTS.—The table of contents for 

7 this Act is as follows: 

Sec. 1. Short title and table of contents. 

Sec. 2. Definitions. 

Sec. 3. Repeal of certain rate increases. 

Sec. 4. Restoration of grandfathered rates. 


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Sec. 5. Requirements regarding annual rate increases. 

Sec. 6. Clarification of rates for properties newly mapped into areas with special flood hazards. 

Sec. 7. Premiums and reports. 

Sec. 8. Annual premium surcharge. 

Sec. 9. Draft affordability framework. 

Sec. 10. Risk transfer. 

Sec. 11. Monthly installment payment for premiums. 

Sec. 12. Optional high-deductible policies for residential properties. 

Sec. 13. Exclusion of detached structures from mandatory purchase requirement. 

Sec. 14. Accounting for flood mitigation activities in estimates of premium 

rates. 

Sec. 15. Home improvement fairness. 

Sec. 16. Affordability study and report. 

Sec. 17. Flood insurance rate map certification. 

Sec. 18. Funds to reimburse homeowners for successful map appeals. 

Sec. 19. Flood protection systems. 

Sec. 20. Quarterly reports regarding Reserve Fund ratio. 

Sec. 21. Treatment of floodproofed residential basements. 

Sec. 22. Exemption from fees for certain map change requests. 

Sec. 23. Study of voluntary community-based flood insurance options. 

Sec. 24. Designation of flood insurance advocate. 

Sec. 25. Exceptions to escrow requirement for flood insurance payments. 

Sec. 26. Flood mitigation methods for buildings. 

Sec. 27. Mapping of non-structural flood mitigation features. 

Sec. 28. Clear communications. 

Sec. 29. Protection of small businesses, non-profits, houses of worship, and 

residences. 

Sec. 30. Mapping. 

Sec. 31. Disclosure. 

1 SEC. 2. DEFINITIONS. 

2 For purposes of this title, the following definitions 

3 shall apply: 

4 (1) ADMINISTRATOR.—The term ‘‘Adminis5 trator’’ means the Administrator of the Federal 

6 Emergency Management Agency. 

7 (2) NATIONAL FLOOD INSURANCE PROGRAM.— 

8 The term ‘‘National Flood Insurance Program’’ 

9 means the program established under the National 

10 Flood Insurance Act of 1968 (42 U.S.C. 4001 et 

11 seq.). 


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1 SEC. 3. REPEAL OF CERTAIN RATE INCREASES. 

2 (a) REPEAL.— 

3 (1) IN GENERAL.—Section 1307(g) of the Na4 tional Flood Insurance Act of 1968 (42 U.S.C. 

5 4014(g)) is amended— 

6 (A) by striking paragraphs (1) and (2); 

7 (B) in paragraph (3), by striking ‘‘as a re8 sult of the deliberate choice of the holder of 

9 such policy’’ and inserting ‘‘, unless the decision 

10 of the policy holder to permit a lapse in flood 

11 insurance coverage was as a result of the prop12 erty covered by the policy no longer being re13 quired to retain such coverage’’; and 

14 (C) by redesignating paragraphs (3) and 

15 (4) as paragraphs (1) and (2), respectively. 

16 (2) EFFECTIVE DATE.—The Administrator 

17 shall make available such rate tables, as necessary to 

18 implement the amendments made by paragraph (1) 

19 as if it were enacted as part of the Biggert-Waters 

20 Flood Insurance Reform Act of 2012 (Public Law 

21 112–141; 126 Stat. 957). 

22 (3) IMPLEMENTATION, COORDINATION, AND

23 GUIDANCE.— 

24 (A) FACILITATION OF TIMELY REFUNDS.— 

25 To ensure the participation of Write Your Own 

26 companies (as such term is defined in section 


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1 100202(a) of the Biggert-Waters Flood Insur2 ance Reform Act of 2012 (42 U.S.C. 4004(a)), 

3 the Administrator and the Federal Emergency 

4 Management Agency shall consult with Write 

5 Your Own companies throughout the develop6 ment of guidance and rate tables necessary to 

7 implement the provisions of and the amend8 ments made by this Act. 

9 (B) IMPLEMENTATION AND GUIDANCE.— 

10 The Administrator shall issue final guidance 

11 and rate tables necessary to implement the pro12 visions of and the amendments made by this 

13 Act not later than eight months following the 

14 date of the enactment of this Act. Write Your 

15 Own companies, in coordination with the Fed16 eral Emergency Management Agency, shall 

17 have not less than six months but not more 

18 than eight months following the issuance of 

19 such final guidance and rate tables to imple20 ment the changes required by such final guid21 ance and rate tables. 

22 (4) REFUND OF EXCESS PREMIUM CHARGES

23 COLLECTED.—The Administrator shall refund di24 rectly to insureds any premiums for flood insurance 

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1 gram collected in excess of the rates required under 

2 the provisions of and amendments made by this sec3 tion. To allow for necessary and appropriate imple4 mentation of such provisions and amendments, any 

5 premium changes necessary to implement such pro6 visions and amendments, including any such pre7 mium refund due to policy holders, which shall be 

8 paid directly by the National Flood Insurance Pro9 gram, shall not be charged or paid to policyholders 

10 by the National Flood Insurance Program until after 

11 the Administrator issues guidance and makes avail12 able such rate tables to implement the provisions of 

13 and amendments made by this Act. 

14 (b) ASSUMPTION OF POLICIES AT EXISTING PRE15 MIUM RATES.—The Administrator shall provide that the 

16 purchaser of a property that, as of the date of such pur17 chase, is covered under an existing flood insurance policy 

18 under this title may assume such existing policy and cov19 erage for the remainder of the term of the policy at the 

20 chargeable premium rates under such existing policy. Such 

21 rates shall continue with respect to such property until 

22 the implementation of subsection (a). 


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1 SEC. 4. RESTORATION OF GRANDFATHERED RATES. 

2 (a) IN GENERAL.—Section 1308 of the National 

3 Flood Insurance Act of 1968 (42 U.S.C. 4015) is amend4 ed— 

5 (1) by striking subsection (h); and 

6 (2) by redesignating subsection (i) as subsection 

7 (h). 

8 (b) EFFECTIVE DATE.—The amendments made by 

9 subsection (a) shall take effect as if enacted as part of 

10 the Biggert-Waters Flood Insurance Reform Act of 2012 

11 (Public Law 112–141; 126 Stat. 957). 

12 SEC. 5. REQUIREMENTS REGARDING ANNUAL RATE IN13 CREASES. 

14 Section 1308(e) of the National Flood Insurance Act 

15 of 1968 (42 U.S.C. 4015(e)) is amended— 

16 (1) in the matter preceding paragraph (1), by 

17 striking ‘‘, the chargeable risk premium rates for 

18 flood insurance under this title for any properties’’; 

19 (2) in paragraph (1), by inserting ‘‘the charge20 able risk premium rates for flood insurance under 

21 this title for any properties’’ before ‘‘within any’’; 

22 (3) in paragraph (2), by inserting ‘‘the charge23 able risk premium rates for flood insurance under 

24 this title for any properties’’ before ‘‘described in’’; 


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1 (4) by redesignating paragraphs (1) and (2), as 

2 so amended, as paragraphs (3) and (4), respectively; 

3 and 

4 (5) by inserting before paragraph (3), as so re5 designated, the following new paragraphs: 

6 ‘‘(1) the chargeable risk premium rate for flood 

7 insurance under this title for any property may not 

8 be increased by more than 18 percent each year, ex9 cept— 

10 ‘‘(A) as provided in paragraph (4); 

11 ‘‘(B) in the case of property identified 

12 under section 1307(g); or 

13 ‘‘(C) in the case of a property that— 

14 ‘‘(i) is located in a community that 

15 has experienced a rating downgrade under 

16 the community rating system program car17 ried out under section 1315(b); 

18 ‘‘(ii) is covered by a policy with re19 spect to which the policyholder has— 

20 ‘‘(I) decreased the amount of the 

21 deductible; or 

22 ‘‘(II) increased the amount of 

23 coverage; or 

24 ‘‘(iii) was misrated; 


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1 ‘‘(2) the chargeable risk premium rates for 

2 flood insurance under this title for any properties 

3 initially rated under section 1307(a)(2) within any 

4 single risk classification, excluding properties for 

5 which the chargeable risk premium rate is not less 

6 than the applicable estimated risk premium rate 

7 under section 1307(a)(1), shall be increased by an 

8 amount that results in an average of such rate in9 creases for properties within the risk classification 

10 during any 12-month period of not less than 5 per11 cent of the average of the risk premium rates for 

12 such properties within the risk classification upon 

13 the commencement of such 12-month period;’’; 

14 (6) in paragraph (3) (as so redesignated by 

15 paragraph (4) of this section), by striking ‘‘20 per16 cent’’ and inserting ‘‘15 percent’’; and 

17 (7) in paragraph (4) (as so redesignated) by 

18 paragraph (4) of this section), by striking ‘‘para19 graph (1)’’ and inserting ‘‘paragraph (3)’’. 

20 SEC. 6. CLARIFICATION OF RATES FOR PROPERTIES 

21 NEWLY MAPPED INTO AREAS WITH SPECIAL 

22 FLOOD HAZARDS. 

23 Section 1308 of the National Flood Insurance Act of 

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1 visions of this Act, is further amended by adding at the 

2 end the following new subsection: 

3 ‘‘(i) RATES FOR PROPERTIES NEWLY MAPPED INTO

4 AREAS WITH SPECIAL FLOOD HAZARDS.—Notwith5 standing subsection (f), the premium rate for flood insur6 ance under this title that is purchased on or after the date 

7 of the enactment of this subsection— 

8 ‘‘(1) on a property located in an area not pre9 viously designated as having special flood hazards 

10 and that, pursuant to any issuance, revision, updat11 ing, or other change in a flood insurance map, be12 comes designated as such an area; and 

13 ‘‘(2) where such flood insurance premium rate 

14 is calculated under subsection (a)(1) of section 1307 

15 (42 U.S.C. 4014(a)(1)), 

16 shall for the first policy year be the preferred risk pre17 mium for the property and upon renewal shall be cal18 culated in accordance with subsection (e) of this section 

19 until the rate reaches the rate calculated under subsection 

20 (a)(1) of section 1307.’’. 

21 SEC. 7. PREMIUMS AND REPORTS. 

22 Section 1308 of the National Flood Insurance Act of 

23 1968 (42 U.S.C. 4015), as amended by the preceding pro24 visions of this Act, is further amended by adding at the 

25 end the following new subsection: 


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1 ‘‘(j) PREMIUMS AND REPORTS.—In setting premium 

2 risk rates, in addition to striving to achieve the objectives 

3 of this title the Administrator shall also strive to minimize 

4 the number of policies with annual premiums that exceed 

5 one percent of the total coverage provided by the policy. 

6 For any policies premiums that exceed this one percent 

7 threshold, the Administrator shall report such exceptions 

8 to the Committee on Financial Services of the House of 

9 Representatives and the Committee on Banking, Housing, 

10 and Urban Affairs of the Senate.’’. 

11 SEC. 8. ANNUAL PREMIUM SURCHARGE. 

12 (a) PREMIUM SURCHARGE.—Chapter I of the Na13 tional Flood Insurance Act of 1968 (42 U.S.C. 4011 et 

14 seq.) is amended by inserting after section 1308 the fol15 lowing new section: 

16 ‘‘SEC. 1308A. PREMIUM SURCHARGE. 

17 ‘‘(a) IMPOSITION AND COLLECTION.—The Adminis18 trator shall impose and collect an annual surcharge, in the 

19 amount provided in subsection (b), on all policies for flood 

20 insurance coverage under the National Flood Insurance 

21 Program that are newly issued or renewed after the date 

22 of the enactment of this section. Such surcharge shall be 

23 in addition to the surcharge under section 1304(b) and 

24 any other assessments and surcharges applied to such cov25 erage. 


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1 ‘‘(b) AMOUNT.—The amount of the surcharge under 

2 subsection (a) shall be— 

3 ‘‘(1) $25, except as provided in paragraph (2); 

4 and 

5 ‘‘(2) $250, in the case of a policy for any prop6 erty that is— 

7 ‘‘(A) a non-residential property; or 

8 ‘‘(B) a residential property that is not the 

9 primary residence of an individual. 

10 ‘‘(c) TERMINATION.—Subsections (a) and (b) shall 

11 cease to apply on the date on which the chargeable risk 

12 premium rate for flood insurance under this title for each 

13 property covered by flood insurance under this title, other 

14 than properties for which premiums are calculated under 

15 subsection (e) or (f) of section 1307 or section 1336 of 

16 this Act (42 U.S.C. 4014, 4056) or under section 100230 

17 of the Biggert-Waters Flood Insurance Reform Act of 

18 2012 (42 U.S.C. 4014 note), is not less than the applica19 ble estimated risk premium rate under section 1307(a)(1) 

20 for such property.’’. 

21 (b) DEPOSIT IN RESERVE FUND.—Subsection (c) of 

22 section 1310A of the National Flood Insurance Act of 

23 1968 (42 U.S.C. 4017a) is amended by adding at the end 

24 the following new paragraph: 


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1 ‘‘(4) DEPOSIT OF PREMIUM SURCHARGES.—The 

2 Administrator shall deposit in the Reserve Fund any 

3 surcharges collected pursuant to section 1308A.’’. 

4 SEC. 9. DRAFT AFFORDABILITY FRAMEWORK. 

5 (a) IN GENERAL.—The Administrator shall prepare 

6 a draft affordability framework that proposes to address, 

7 via programmatic and regulatory changes, the issues of 

8 affordability of flood insurance sold under the National 

9 Flood Insurance Program, including issues identified in 

10 the affordability study required under section 100236 of 

11 the Bigger-Waters Flood Insurance Reform Act of 2012 

12 (Public Law 112–141; 126 Stat. 957). 

13 (b) CRITERIA.—In carrying out the requirements 

14 under subsection (a), the Administrator shall consider the 

15 following criteria: 

16 (1) Accurate communication to consumers of 

17 the flood risk associated with their properties. 

18 (2) Targeted assistance to flood insurance pol19 icy holders based on their financial ability to con20 tinue to participate in the National Flood Insurance 

21 Program. 

22 (3) Individual or community actions to mitigate 

23 the risk of flood or lower the cost of flood insurance. 


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1 (4) The impact of increases in risk premium 

2 rates on participation in the National Flood Insur3 ance Program. 

4 (5) The impact flood insurance rate map up5 dates have on the affordability of flood insurance. 

6 (c) DEADLINE FOR SUBMISSION.—Not later than 18 

7 months after the date on which the Administrator submits 

8 the affordability study referred to in subsection (a), the 

9 Administrator shall submit to the full Committee on 

10 Banking, Housing, and Urban Affairs and the full Com11 mittee on Appropriations of the Senate and the full Com12 mittee on Financial Services and the full Committee on 

13 Appropriations of the House of Representatives the draft 

14 affordability framework required under subsection (a). 

15 (d) INTERAGENCY AGREEMENTS.—The Adminis16 trator may enter into an agreement with another Federal 

17 agency to— 

18 (1) complete the affordability study referred to 

19 in subsection (a); or 

20 (2) prepare the draft affordability framework 

21 required under subsection (a). 

22 (e) RULE OF CONSTRUCTION.—Nothing in this sec23 tion shall be construed to provide the Administrator with 

24 the authority to provide assistance to homeowners based 

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1 ment of the Biggert-Waters Flood Insurance Reform Act 

2 of 2012 (Public Law 112–141; 126 Stat. 916). 

3 SEC. 10. RISK TRANSFER. 

4 Section 1345 of the National Flood Insurance Act of 

5 1968 (42 U.S.C. 4081) is amended by adding at the end 

6 the following new subsection: 

7 ‘‘(e) RISK TRANSFER.—The Administrator may se8 cure reinsurance of coverage provided by the flood insur9 ance program from the private reinsurance and capital 

10 markets at rates and on terms determined by the Adminis11 trator to be reasonable and appropriate, in an amount suf12 ficient to maintain the ability of the program to pay 

13 claims.’’. 

14 SEC. 11. MONTHLY INSTALLMENT PAYMENT FOR PRE15 MIUMS. 

16 (a) IN GENERAL.—Subsection (g) of section 1308 of 

17 the National Flood Insurance Act of 1968 (42 U.S.C. 

18 4015(g)) is amended by striking ‘‘either annually or in 

19 more frequent installments’’ and inserting ‘‘annually or 

20 monthly’’. 

21 (b) IMPLEMENTATION.—The Administrator shall im22 plement the requirement under section 1308(g) of the Na23 tional Flood Insurance Act of 1968, as amended by sub24 section (a), not later than the expiration of the 18-month 

25 period beginning on the date of the enactment of this Act. 


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1 SEC. 12. OPTIONAL HIGH-DEDUCTIBLE POLICIES FOR RESI2 DENTIAL PROPERTIES. 

3 Section 1306 of the National Flood Insurance Act of 

4 1968 (42 U.S.C. 4013)), as amended by the preceding 

5 provisions of this Act, is further amended by adding at 

6 the end the following new subsection: 

7 ‘‘(e) OPTIONAL HIGH-DEDUCTIBLE POLICIES FOR

8 RESIDENTIAL PROPERTIES.— 

9 ‘‘(1) AVAILABILITY.—In the case of residential 

10 properties, the Administrator shall make flood insur11 ance coverage available, at the option of the insured, 

12 that provides for a loss-deductible for damage to the 

13 covered property in various amounts, up to and in14 cluding $10,000. 

15 ‘‘(2) DISCLOSURE.— 

16 ‘‘(A) FORM.—The Administrator shall pro17 vide the information described in subparagraph 

18 (B) clearly and conspicuously on the application 

19 form for flood insurance coverage or on a sepa20 rate form, segregated from all unrelated infor21 mation and other required disclosures. 

22 ‘‘(B) INFORMATION.—The information de23 scribed in this subparagraph is— 

24 ‘‘(i) information sufficient to inform 

25 the applicant of the availability of the cov26 erage option required by paragraph (1) to 


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1 applicants for flood insurance coverage; 

2 and 

3 ‘‘(ii) a statement explaining the effect 

4 of a loss-deductible and that, in the event 

5 of an insured loss, the insured is respon6 sible out-of-pocket for losses to the extent 

7 of the deductible selected.’’. 

8 SEC. 13. EXCLUSION OF DETACHED STRUCTURES FROM 

9 MANDATORY PURCHASE REQUIREMENT. 

10 (a) EXCLUSION.—Subsection (c) of section 102 of the 

11 Flood Disaster Protection Act of 1973 (42 U.S.C. 

12 4012a(c)) is amended by adding at the end the following 

13 new paragraph: 

14 ‘‘(3) DETACHED STRUCTURES.—Notwith15 standing any other provision of this section, flood in16 surance shall not be required, in the case of any res17 idential property, for any structure that is a part of 

18 such property but is detached from the primary resi19 dential structure of such property and does not serve 

20 as a residence.’’. 

21 (b) RESPA STATEMENT.—Section 5(b) of the Real 

22 Estate Settlement Procedures Act of 1974 (12 U.S.C. 

23 2604(b)) is amended— 

24 (1) in paragraph (14), by inserting before the 

25 period at the end the following: ‘‘, and the following 


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1 statement: ‘Although you may not be required to 

2 maintain flood insurance on all structures, you may 

3 still wish to do so, and your mortgage lender may 

4 still require you to do so to protect the collateral se5 curing the mortgage. If you choose to not maintain 

6 flood insurance on a structure, and it floods, you are 

7 responsible for all flood losses relating to that struc8 ture.’ ’’; and 

9 (2) by transferring and inserting paragraph 

10 (14), as so amended, after paragraph (13). 

11 SEC. 14. ACCOUNTING FOR FLOOD MITIGATION ACTIVITIES 

12 IN ESTIMATES OF PREMIUM RATES. 

13 Subparagraph (A) of section 1307(a)(1) of the Na14 tional Flood Insurance Act of 1968 (42 U.S.C. 

15 4014(a)(1)(A)) is amended to read as follows: 

16 ‘‘(A) based on consideration of— 

17 ‘‘(i) the risk involved and accepted ac18 tuarial principles; and 

19 ‘‘(ii) the flood mitigation activities 

20 that an owner or lessee has undertaken on 

21 a property, including differences in the risk 

22 involved due to land use measures, 

23 floodproofing, flood forecasting, and simi24 lar measures,’’. 


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1 SEC. 15. HOME IMPROVEMENT FAIRNESS. 

2 Section 1307(a)(2)(E)(ii) of the National Flood In3 surance Act of 1968 (42 U.S.C. 4014(a)(2)(E)(ii)) is 

4 amended by striking ‘‘30 percent’’ and inserting ‘‘50 per5 cent’’. 

6 SEC. 16. AFFORDABILITY STUDY AND REPORT. 

7 (a) STUDY ISSUES.—Subsection (a) of section 

8 100236 of the Biggert-Waters Flood Insurance Reform 

9 Act of 2012 (Public Law 112–141; 126 Stat. 957) is 

10 amended— 

11 (1) in paragraph (3), by striking ‘‘and’’ at the 

12 end; 

13 (2) in paragraph (4), by striking the period at 

14 the end and inserting a semicolon; and 

15 (3) by adding at the end the following new 

16 paragraphs: 

17 ‘‘(5) options for maintaining affordability if an18 nual premiums for flood insurance coverage were to 

19 increase to an amount greater than 2 percent of the 

20 liability coverage amount under the policy, including 

21 options for enhanced mitigation assistance and 

22 means-tested assistance; 

23 ‘‘(6) the effects that the establishment of catas24 trophe savings accounts would have regarding long25 term affordability of flood insurance coverage; and 


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1 ‘‘(7) options for modifying the surcharge under 

2 1308A, including based on homeowner income, prop3 erty value or risk of loss.’’. 

4 (b) TIMING OF SUBMISSION.—Notwithstanding the 

5 deadline under section 100236(c) of the Biggert-Waters 

6 Flood Insurance Reform Act of 2012 (Public Law 112– 

7 141; 126 Stat. 957), not later than 18 months after the 

8 date of enactment of this Act, the Administrator shall sub9 mit to the full Committee on Banking, Housing, and 

10 Urban Affairs and the full Committee on Appropriations 

11 of the Senate and the full Committee on Financial Serv12 ices and the full Committee on Appropriations of the 

13 House of Representatives the affordability study and re14 port required under such section 100236. 

15 (c) AFFORDABILITY STUDY FUNDING.—Section 

16 100236(d) of the Biggert-Waters Flood Insurance Reform 

17 Act of 2012 (Public Law 112–141; 126 Stat. 957) is 

18 amended by striking ‘‘$750,000’’ and inserting 

19 ‘‘$2,500,000’’. 

20 SEC. 17. FLOOD INSURANCE RATE MAP CERTIFICATION. 

21 The Administrator shall implement a flood mapping 

22 program for the National Flood Insurance Program, only 

23 after review by the Technical Mapping Advisory Council, 

24 that, when applied, results in technically credible flood 

25 hazard data in all areas where Flood Insurance Rate Maps 


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1 are prepared or updated, shall certify in writing to the 

2 Congress when such a program has been implemented, 

3 and shall provide to the Congress the Technical Mapping 

4 Advisory Council review report. 

5 SEC. 18. FUNDS TO REIMBURSE HOMEOWNERS FOR SUC6 CESSFUL MAP APPEALS. 

7 (a) IN GENERAL.—Section 1363(f) of the National 

8 Flood Insurance Act of 1968 (42 U.S.C. 4104(f)) is 

9 amended— 

10 (1) in the first sentence, by inserting after ‘‘as 

11 the case may be,’’ the following: ‘‘or, in the case of 

12 an appeal that is resolved by submission of con13 flicting data to the Scientific Resolution Panel pro14 vided for in section 1363A, the community,’’; and 

15 (2) by striking the second sentence and insert16 ing the following: ‘‘The Administrator may use such 

17 amounts from the National Flood Insurance Fund 

18 established under section 1310 as may be necessary 

19 to carry out this subsection.’’. 

20 (b) CONFORMING AMENDMENTS.—Section 1310(a) 

21 of the National Flood Insurance Act of 1968 (42 U.S.C. 

22 4017(a)) is amended— 

23 (1) in paragraph (6), by striking ‘‘and’’ at the 

24 end; 


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1 (2) in paragraph (7), by striking the period at 

2 the end and inserting ‘‘; and’’; and 

3 (3) by adding at the end the following: 

4 ‘‘(8) for carrying out section 1363(f).’’. 

5 SEC. 19. FLOOD PROTECTION SYSTEMS. 

6 (a) ADEQUATE PROGRESS ON CONSTRUCTION OF

7 FLOOD PROTECTION SYSTEMS.—Section 1307(e) of the 

8 National Flood Insurance Act of 1968 (42 U.S.C. 

9 4014(e)) is amended— 

10 (1) in the first sentence, by inserting ‘‘or recon11 struction’’ after ‘‘construction’’; 

12 (2) by amending the second sentence to read as 

13 follows: ‘‘The Administrator shall find that adequate 

14 progress on the construction or reconstruction of a 

15 flood protection system, based on the present value 

16 of the completed flood protection system, has been 

17 made only if: (1) 100 percent of the cost of the sys18 tem has been authorized; (2) at least 60 percent of 

19 the cost of the system has been appropriated; (3) at 

20 least 50 percent of the cost of the system has been 

21 expended; and (4) the system is at least 50 percent 

22 completed.’’; and 

23 (3) by adding at the end the following: ‘‘Not24 withstanding any other provision of law, in deter25 mining whether a community has made adequate 


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1 progress on the construction, reconstruction, or im2 provement of a flood protection system, the Adminis3 trator shall consider all sources of funding, including 

4 Federal, State, and local funds.’’. 

5 (b) COMMUNITIES RESTORING DISACCREDITED

6 FLOOD PROTECTION SYSTEMS.—Section 1307(f) of the 

7 National Flood Insurance Act of 1968 (42 U.S.C. 

8 4014(f)) is amended by amending the first sentence to 

9 read as follows: ‘‘Notwithstanding any other provision of 

10 law, this subsection shall apply to riverine and coastal lev11 ees that are located in a community which has been deter12 mined by the Administrator of the Federal Emergency 

13 Management Agency to be in the process of restoring flood 

14 protection afforded by a flood protection system that had 

15 been previously accredited on a Flood Insurance Rate Map 

16 as providing 100-year frequency flood protection but no 

17 longer does so, and shall apply without regard to the level 

18 of Federal funding of or participation in the construction, 

19 reconstruction, or improvement of the flood protection sys20 tem.’’. 

21 SEC. 20. QUARTERLY REPORTS REGARDING RESERVE 

22 FUND RATIO. 

23 Subsection (e) of section 1310A of the National 

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1 ed, in the matter preceding paragraph (1), by inserting 

2 ‘‘, on a calendar quarterly basis,’’ after ‘‘submit’’. 

3 SEC. 21. TREATMENT OF FLOODPROOFED RESIDENTIAL 

4 BASEMENTS. 

5 The Administrator shall continue to extend excep6 tions and variances for flood-proofed basements consistent 

7 with section 60.6 of title 44, Code of Federal Regulations, 

8 which are effective April 3, 2009; and section 60.3 of such 

9 title, which are effective April 3, 2009. 

10 SEC. 22. EXEMPTION FROM FEES FOR CERTAIN MAP 

11 CHANGE REQUESTS. 

12 Notwithstanding any other provision of law, a re13 quester shall be exempt from submitting a review or proc14 essing fee for a request for a flood insurance rate map 

15 change based on a habitat restoration project that is fund16 ed in whole or in part with Federal or State funds, includ17 ing dam removal, culvert redesign or installation, or the 

18 installation of fish passage. 

19 SEC. 23. STUDY OF VOLUNTARY COMMUNITY-BASED FLOOD 

20 INSURANCE OPTIONS. 

21 (a) STUDY.— 

22 (1) STUDY REQUIRED.—The Administrator 

23 shall conduct a study to assess options, methods, 

24 and strategies for making available voluntary comVerDate Mar 15 2010 22:36 Mar 06, 2014 Jkt 039200 PO 00000 Frm 00023 Fmt 6652 Sfmt 6201 E:\BILLS\H3370.PCS H3370

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1 munity-based flood insurance policies through the 

2 National Flood Insurance Program. 

3 (2) CONSIDERATIONS.—The study conducted 

4 under paragraph (1) shall— 

5 (A) take into consideration and analyze 

6 how voluntary community-based flood insurance 

7 policies— 

8 (i) would affect communities having 

9 varying economic bases, geographic loca10 tions, flood hazard characteristics or classi11 fications, and flood management ap12 proaches; and 

13 (ii) could satisfy the applicable re14 quirements under section 102 of the Flood 

15 Disaster Protection Act of 1973 (42 

16 U.S.C. 4012a); and 

17 (B) evaluate the advisability of making 

18 available voluntary community-based flood in19 surance policies to communities, subdivisions of 

20 communities, and areas of residual risk. 

21 (3) CONSULTATION.—In conducting the study 

22 required under paragraph (1), the Administrator 

23 may consult with the Comptroller General of the 

24 United States, as the Administrator determines is 

25 appropriate. 


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1 (b) REPORT BY THE ADMINISTRATOR.— 

2 (1) REPORT REQUIRED.—Not later than 18 

3 months after the date of enactment of this Act, the 

4 Administrator shall submit to the Committee on 

5 Banking, Housing, and Urban Affairs of the Senate 

6 and the Committee on Financial Services of the 

7 House of Representatives a report that contains the 

8 results and conclusions of the study conducted under 

9 subsection (a). 

10 (2) CONTENTS.—The report submitted under 

11 paragraph (1) shall include recommendations for— 

12 (A) the best manner to incorporate vol13 untary community-based flood insurance poli14 cies into the National Flood Insurance Pro15 gram; and 

16 (B) a strategy to implement voluntary 

17 community-based flood insurance policies that 

18 would encourage communities to undertake 

19 flood mitigation activities, including the con20 struction, reconstruction, or improvement of 

21 levees, dams, or other flood control structures. 

22 (c) REPORT BY COMPTROLLER GENERAL.—Not later 

23 than 6 months after the date on which the Administrator 

24 submits the report required under subsection (b), the 

25 Comptroller General of the United States shall— 


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1 (1) review the report submitted by the Adminis2 trator; and 

3 (2) submit to the Committee on Banking, 

4 Housing, and Urban Affairs of the Senate and the 

5 Committee on Financial Services of the House of 

6 Representatives a report that contains— 

7 (A) an analysis of the report submitted by 

8 the Administrator; 

9 (B) any comments or recommendations of 

10 the Comptroller General relating to the report 

11 submitted by the Administrator; and 

12 (C) any other recommendations of the 

13 Comptroller General relating to community14 based flood insurance policies. 

15 SEC. 24. DESIGNATION OF FLOOD INSURANCE ADVOCATE. 

16 (a) IN GENERAL.—The Administrator shall designate 

17 a Flood Insurance Advocate to advocate for the fair treat18 ment of policy holders under the National Flood Insurance 

19 Program and property owners in the mapping of flood 

20 hazards, the identification of risks from flood, and the im21 plementation of measures to minimize the risk of flood. 

22 (b) DUTIES AND RESPONSIBILITIES.—The duties 

23 and responsibilities of the Flood Insurance Advocate des24 ignated under subsection (a) shall be to— 


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1 (1) educate property owners and policyholders 

2 under the National Flood Insurance Program on— 

3 (A) individual flood risks; 

4 (B) flood mitigation; 

5 (C) measures to reduce flood insurance 

6 rates through effective mitigation; 

7 (D) the flood insurance rate map review 

8 and amendment process; and 

9 (E) any changes in the flood insurance 

10 program as a result of any newly enacted laws 

11 (including this Act); 

12 (2) assist policy holders under the National 

13 Flood Insurance Program and property owners to 

14 understand the procedural requirements related to 

15 appealing preliminary flood insurance rate maps and 

16 implementing measures to mitigate evolving flood 

17 risks; 

18 (3) assist in the development of regional capac19 ity to respond to individual constituent concerns 

20 about flood insurance rate map amendments and re21 visions; 

22 (4) coordinate outreach and education with 

23 local officials and community leaders in areas im24 pacted by proposed flood insurance rate map amend25 ments and revisions; and 


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1 (5) aid potential policy holders under the Na2 tional Flood Insurance Program in obtaining and 

3 verifying accurate and reliable flood insurance rate 

4 information when purchasing or renewing a flood in5 surance policy. 

6 SEC. 25. EXCEPTIONS TO ESCROW REQUIREMENT FOR 

7 FLOOD INSURANCE PAYMENTS. 

8 (a) IN GENERAL.—Section 102(d)(1) of the Flood 

9 Disaster Protection Act of 1973 (42 U.S.C. 4012a(d)(1)) 

10 is amended— 

11 (1) in subparagraph (A), in the second sen12 tence, by striking ‘‘subparagraph (C)’’ and inserting 

13 ‘‘subparagraph (B)’’; and 

14 (2) in subparagraph (B)— 

15 (A) in clause (ii), by redesignating sub16 clauses (I) and (II) as items (aa) and (bb), re17 spectively, and adjusting the margins accord18 ingly; 

19 (B) by redesignating clauses (i) and (ii) as 

20 subclauses (I) and (II), respectively, and adjust21 ing the margins accordingly; 

22 (C) in the matter preceding subclause (I), 

23 as redesignated by subparagraph (B), by strik24 ing ‘‘(A) or (B), if—’’ and inserting the fol25 lowing: ‘‘(A)— 


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1 ‘‘(i) if—’’; 

2 (D) by striking the period at the end and 

3 inserting ‘‘; or’’; and 

4 (E) by adding at the end the following 

5 ‘‘(ii) in the case of a loan that— 

6 ‘‘(I) is in a junior or subordinate 

7 position to a senior lien secured by 

8 the same residential improved real es9 tate or mobile home for which flood 

10 insurance is being provided at the 

11 time of the origination of the loan; 

12 ‘‘(II) is secured by residential im13 proved real estate or a mobile home 

14 that is part of a condominium, cooper15 ative, or other project development, if 

16 the residential improved real estate or 

17 mobile home is covered by a flood in18 surance policy that— 

19 ‘‘(aa) meets the require20 ments that the regulated lending 

21 institution is required to enforce 

22 under subsection (b)(1); 

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1 tive, homeowners association, or 

2 other applicable group; and 

3 ‘‘(cc) the premium for which 

4 is paid by the condominium asso5 ciation, cooperative, homeowners 

6 association, or other applicable 

7 group as a common expense; 

8 ‘‘(III) is secured by residential 

9 improved real estate or a mobile home 

10 that is used as collateral for a busi11 ness purpose; 

12 ‘‘(IV) is a home equity line of 

13 credit; 

14 ‘‘(V) is a nonperforming loan; or 

15 ‘‘(VI) has a term of not longer 

16 than 12 months.’’. 

17 (b) APPLICABILITY.— 

18 (1) IN GENERAL.— 

19 (A) REQUIRED APPLICATION.—The 

20 amendments to section 102(d)(1) of the Flood 

21 Disaster Protection Act of 1973 (42 U.S.C. 

22 4012a(d)(1)) made by section 100209(a) of the 

23 Biggert-Waters Flood Insurance Reform Act of 

24 2012 (Public Law 112–141; 126 Stat. 920) and 

25 by subsection (a) of this section shall apply to 


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1 any loan that is originated, refinanced, in2 creased, extended, or renewed on or after Janu3 ary 1, 2016. 

4 (B) OPTIONAL APPLICATION.— 

5 (i) DEFINITIONS.—In this subpara6 graph— 

7 (I) the terms ‘‘Federal entity for 

8 lending regulation’’, ‘‘improved real 

9 estate’’, ‘‘regulated lending institu10 tion’’, and ‘‘servicer’’ have the mean11 ings given the terms in section 3 of 

12 the Flood Disaster Protection Act of 

13 1973 (42 U.S.C. 4003); 

14 (II) the term ‘‘outstanding loan’’ 

15 means a loan that— 

16 (aa) is outstanding as of 

17 January 1, 2016; 

18 (bb) is not subject to the re19 quirement to escrow premiums 

20 and fees for flood insurance 

21 under section 102(d)(1) of the 

22 Flood Disaster Protection Act of 

23 1973 (42 U.S.C. 4012a(d)(1)) as 

24 in effect on July 5, 2012; and 


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1 (cc) would, if the loan had 

2 been originated, refinanced, in3 creased, extended, or renewed on 

4 or after January 1, 2016, be sub5 ject to the requirements under 

6 section 102(d)(1)(A) of the Flood 

7 Disaster Protection Act of 1973, 

8 as amended; and 

9 (III) the term ‘‘section 

10 102(d)(1)(A) of the Flood Disaster 

11 Protection Act of 1973, as amended’’ 

12 means section 102(d)(1)(A) of the 

13 Flood Disaster Protection Act of 1973 

14 (42 U.S.C. 4012a(d)(1)(A)), as 

15 amended by— 

16 (aa) section 100209(a) of 

17 the Biggert-Waters Flood Insur18 ance Reform Act of 2012 (Public 

19 Law 112–141; 126 Stat. 920); 

20 and 

21 (bb) subsection (a) of this 

22 section. 

23 (ii) OPTION TO ESCROW FLOOD IN24 SURANCE PAYMENTS.—Each Federal enti25 ty for lending regulation (after consultaVerDate Mar 15 2010 22:36 Mar 06, 2014 Jkt 039200 PO 00000 Frm 00032 Fmt 6652 Sfmt 6201 E:\BILLS\H3370.PCS H3370

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1 tion and coordination with the Federal Fi2 nancial Institutions Examination Council) 

3 shall, by regulation, direct that each regu4 lated lending institution or servicer of an 

5 outstanding loan shall offer and make 

6 available to a borrower the option to have 

7 the borrower’s payment of premiums and 

8 fees for flood insurance under the National 

9 Flood Insurance Act of 1968 (42 U.S.C. 

10 4001 et seq.), including the escrow of such 

11 payments, be treated in the same manner 

12 provided under section 102(d)(1)(A) of the 

13 Flood Disaster Protection Act of 1973, as 

14 amended. 

15 (2) REPEAL OF 2-YEAR DELAY ON APPLICA16 BILITY.—Subsection (b) of section 100209 of the 

17 Biggert-Waters Flood Insurance Reform Act of 

18 2012 (Public Law 112–141; 126 Stat. 920) is re19 pealed. 

20 (3) RULE OF CONSTRUCTION.—Nothing in this 

21 section or the amendments made by this section 

22 shall be construed to supersede, during the period 

23 beginning on July 6, 2012 and ending on December 

24 31, 2015, the requirements under section 102(d)(1) 


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1 of the Flood Disaster Protection Act of 1973 (42 

2 U.S.C. 4012a(d)(1)), as in effect on July 5, 2012. 

3 SEC. 26. FLOOD MITIGATION METHODS FOR BUILDINGS. 

4 (a) GUIDELINES.— 

5 (1) IN GENERAL.—Section 1361 of the Na6 tional Flood Insurance Act of 1968 (42 U.S.C. 

7 4102) is amended by adding at the end the following 

8 new subsection: 

9 ‘‘(d) FLOOD MITIGATION METHODS FOR BUILD10 INGS.—The Administrator shall establish guidelines for 

11 property owners that— 

12 ‘‘(1) provide alternative methods of mitigation, 

13 other than building elevation, to reduce flood risk to 

14 residential buildings that cannot be elevated due to 

15 their structural characteristics, including— 

16 ‘‘(A) types of building materials; and 

17 ‘‘(B) types of floodproofing; and 

18 ‘‘(2) inform property owners about how the im19 plementation of mitigation methods described in 

20 paragraph (1) may affect risk premium rates for 

21 flood insurance coverage under the National Flood 

22 Insurance Program.’’. 

23 (2) ISSUANCE.—The Administrator shall issue 

24 the guidelines required under section 1361(d) of the 

25 National Flood Insurance Act of 1968 (42 U.S.C. 


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1 4102(d)), as added by the amendment made by 

2 paragraph (1) of this subsection, not later than the 

3 expiration of the 1-year period beginning on the date 

4 of the enactment of this Act. 

5 (b) CALCULATION OF RISK PREMIUM RATES.—Sec6 tion 1308 of the National Flood Insurance Act of 1968 

7 (42 U.S.C. 4015), as amended by the preceding provisions 

8 of this Act, is further amended by adding at the end the 

9 following new subsection: 

10 ‘‘(k) CONSIDERATION OF MITIGATION METHODS.— 

11 In calculating the risk premium rate charged for flood in12 surance for a property under this section, the Adminis13 trator shall take into account the implementation of any 

14 mitigation method identified by the Administrator in the 

15 guidance issued under section 1361(d) (42 U.S.C. 

16 4102(d)).’’. 

17 SEC. 27. MAPPING OF NON-STRUCTURAL FLOOD MITIGA18 TION FEATURES. 

19 Section 100216 of the Biggert-Waters Flood Insur20 ance Reform Act of 2012 (42 U.S.C. 4101b) is amended— 

21 (1) in subsection (b)(1)(A)— 

22 (A) in clause (iv), by striking ‘‘and’’ at the 

23 end; 

24 (B) by redesignating clause (v) as clause 

25 (vi); 


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1 (C) by inserting after clause (iv) the fol2 lowing new clause: 

3 ‘‘(v) areas that are protected by non4 structural flood mitigation features; and’’; 

5 and 

6 (D) in clause (vi) (as so redesignated), by 

7 inserting before the semicolon at the end the 

8 following: ‘‘and by non-structural flood mitiga9 tion features’’; and 

10 (2) in subsection (d)(1)— 

11 (A) by redesignating subparagraphs (A) 

12 through (C) as subparagraphs (B) through (D), 

13 respectively; 

14 (B) in subparagraph (C) (as so redesig15 nated), by striking ‘‘subparagraph (A)’’ and in16 serting ‘‘subparagraph (B)’’; and 

17 (C) by inserting before subparagraph (B) 

18 (as so redesignated) the following new subpara19 graph: 

20 ‘‘(A) work with States, local communities, 

21 and property owners to identify areas and fea22 tures described in subsection (b)(1)(A)(v);’’. 

23 SEC. 28. CLEAR COMMUNICATIONS. 

24 Section 1308 of the National Flood Insurance Act of 

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1 visions of this Act, is further amended by adding at the 

2 end the following new subsection: 

3 ‘‘(l) CLEAR COMMUNICATIONS.—The Administrator 

4 shall clearly communicate full flood risk determinations to 

5 individual property owners regardless of whether their pre6 mium rates are full actuarial rates.’’. 

7 SEC. 29. PROTECTION OF SMALL BUSINESSES, NON-PROF8 ITS, HOUSES OF WORSHIP, AND RESIDENCES. 

9 Section 1308 of the National Flood Insurance Act of 

10 1968 (42 U.S.C. 4015), as amended by the preceding pro11 visions of this Act, is further amended by adding at the 

12 end the following new subsection: 

13 ‘‘(m) PROTECTION OF SMALL BUSINESSES, NON14 PROFITS, HOUSES OF WORSHIP, AND RESIDENCES.— 

15 ‘‘(1) REPORT.—Not later than 18 months after 

16 the date of the enactment of this section and semi17 annually thereafter, the Administrator shall monitor 

18 and report to Committee on Financial Services of 

19 the House Representatives and the Committee on 

20 Banking, Housing, and Urban Affairs of the Senate, 

21 the Administrator’s assessment of the impact, if any, 

22 of the rate increases required under subparagraphs 

23 (A) and (D) of section 1307(a)(2) and the sur24 charges required under section 1308A on the afford25 ability of flood insurance for— 


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1 ‘‘(A) small businesses with less than 100 

2 employees; 

3 ‘‘(B) non-profit entities; 

4 ‘‘(C) houses of worship; and 

5 ‘‘(D) residences with a value equal to or 

6 less than 25 percent of the median home value 

7 of properties in the State in which the property 

8 is located. 

9 ‘‘(2) RECOMMENDATIONS.—If the Adminis10 trator determines that the rate increases or sur11 charges described in paragraph (1) are having a det12 rimental effect on affordability, including resulting 

13 in lapsed policies, late payments, or other criteria re14 lated to affordability as identified by the Adminis15 trator, for any of the properties identified in sub16 paragraphs (A) through (D) of such paragraph, the 

17 Administrator shall, not later than 3 months after 

18 making such a determination, make such rec19 ommendations as the Administrator considers appro20 priate to improve affordability to the Committee on 

21 Financial Services of the House Representatives and 

22 the Committee on Banking, Housing, and Urban Af23 fairs of the Senate.’’. 


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1 SEC. 30. MAPPING. 

2 Section 100216(d)(1) of the Biggert-Waters Flood 

3 Insurance Reform Act of 2012 (42 U.S.C. 4101b(d)(1)) 

4 is amended— 

5 (1) in subparagraph (B)— 

6 (A) by striking ‘‘subparagraph (A)’’ and 

7 inserting ‘‘subparagraph (D)’’; and 

8 (B) by striking ‘‘and’’ at the end; 

9 (2) by redesignating subparagraphs (A), (B), 

10 and (C) as subparagraphs (D), (E), and (G), respec11 tively; 

12 (3) by inserting before subparagraph (B), as so 

13 redesignated, the following new subparagraphs: 

14 ‘‘(A) before commencement of any map15 ping or map updating process, notify each com16 munity affected of the model or models that the 

17 Administrator plans to use in such process and 

18 provide an explanation of why such model or 

19 models are appropriate; 

20 ‘‘(B) provide each community affected a 

21 30-day period beginning upon notification under 

22 subparagraph (A) to consult with the Adminis23 trator regarding the appropriateness, with re24 spect to such community, of the mapping model 

25 or models to be used; provided that consultation 

26 by a community pursuant to this subparagraph 


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1 shall not waive or otherwise affect any right of 

2 the community to appeal any flood hazard de3 terminations; 

4 ‘‘(C) upon completion of the first Inde5 pendent Data Submission, transmit a copy of 

6 such Submission to the affected community, 

7 provide the affected community a 30-day period 

8 during which the community may provide data 

9 to Administrator that can be used to supple10 ment or modify the existing data, and incor11 porate any data that is consistent with pre12 vailing engineering principles;’’; and 

13 (4) by inserting after subparagraph (E), as so 

14 redesignated, the following new subparagraph: 

15 ‘‘(F) not less than 30 days before issuance 

16 of any preliminary map, notify the Senators for 

17 each State affected and each Member of the 

18 House of Representatives for each congressional 

19 district affected by the preliminary map in writ20 ing of— 

21 ‘‘(i) the estimated schedule for— 

22 ‘‘(I) community meetings regard23 ing the preliminary map; 


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1 ‘‘(II) publication of notices re2 garding the preliminary map in local 

3 newspapers; and 

4 ‘‘(III) the commencement of the 

5 appeals process regarding the map; 

6 and 

7 ‘‘(ii) the estimated number of homes 

8 and businesses that will be affected by 

9 changes contained in the preliminary map, 

10 including how many structures will be that 

11 were not previously located in an area hav12 ing special flood hazards will be located 

13 within such an area under the preliminary 

14 map; and’’. 

15 SEC. 31. DISCLOSURE. 

16 (a) CHANGES IN RATES RESULTING FROM THIS

17 ACT.—Not later than the date that is 6 months before 

18 the date on which any change in risk premium rates for 

19 flood insurance coverage under the National Flood Insur20 ance Program resulting from this Act or any amendment 

21 made by this Act is implemented, the Administrator shall 

22 make publicly available the rate tables and underwriting 

23 guidelines that provide the basis for the change. 

24 (b) REPORT ON POLICY AND CLAIMS DATA.— 


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1 (1) IN GENERAL.—Not later than 90 days after 

2 the date of enactment of this Act, the Administrator 

3 shall submit to the Congress a report on the feasi4 bility of— 

5 (A) releasing property-level policy and 

6 claims data for flood insurance coverage under 

7 the National Flood Insurance Program; and 

8 (B) establishing guidelines for releasing 

9 property-level policy and claims data for flood 

10 insurance coverage under the National Flood 

11 Insurance Program in accordance with section 

12 552a of title 5, United States Code (commonly 

13 known as the Privacy Act of 1974). 

14 (2) CONTENTS.—The report submitted under 

15 paragraph (1) shall include— 

16 (A) an analysis and assessment of how re17 leasing property-level policy and claims data for 

18 flood insurance coverage under the National 

19 Flood Insurance Program will aid policy holders 

20 and insurers to understand how the Adminis21 tration determines actuarial premium rates and 

22 assesses flood risks; and 

23 (B) recommendations for protecting per24 sonal information in accordance with section 


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1 552a of title 5, United States Code (commonly 

2 known as the Privacy Act of 1974). 

Passed the House of Representatives March 4, 

2014. 

Attest: KAREN L. HAAS, 

Clerk. 


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Calendar No. 317 

113TH CONGRESS 

2D SESSION H. R. 3370 

AN ACT 

To delay the implementation of certain provisions 

Act of 2012, and for other purposes. of the Biggert-Waters Flood Insurance Reform 

MARCH 6, 2014 

Read the second time and placed on the calendar 


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