Document ID: FEMA-2016-0009-0001
Agency: fema
Document Type: Rule
Title: National Flood Insurance Program: Update To Address Information for Claims Appeals
Posted Date: 2016-04-07T04:00Z

[Federal Register Volume 81, Number 67 (Thursday, April 7, 2016)]
[Rules and Regulations]
[Pages 20257-20258]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2016-08025]

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DEPARTMENT OF HOMELAND SECURITY

Federal Emergency Management Agency

44 CFR Part 62

[Docket ID: FEMA-2016-0009]
RIN 1660-AA88

National Flood Insurance Program: Update To Address Information 
for Claims Appeals

AGENCY: Federal Emergency Management Agency, DHS.

ACTION: Final rule.

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SUMMARY: The Federal Emergency Management Agency is revising its 
regulations to remove address information for the National Flood 
Insurance Program's claims appeals process.

DATES: This final rule is effective April 7, 2016.

FOR FURTHER INFORMATION CONTACT: Claudia Murphy, Policyholder Services 
Division Director, Federal Insurance and Mitigation Administration, 
Federal Emergency Management Agency, 400 C Street SW., Washington, DC 
20472-3020, 202-646-2775, or (email) Claudia.murphy@fema.dhs.gov.

SUPPLEMENTARY INFORMATION:

I. Removal of Address

    In accordance with Federal Emergency Management Agency (FEMA) 
regulations at title 44 Code of Federal Regulations (CFR) part 62, 
subpart B, once a flood insurer participating in the National Flood 
Insurance Program (NFIP) issues a final claim determination, a 
policyholder may appeal an action related to the claim taken by the 
insurer, a FEMA employee, or insurance agent. To pursue an appeal, a 
policyholder must submit a written appeal to FEMA within 60 days from 
the date of the decision. See 44 CFR 62.20(e)(1).
    The current regulations at Sec.  62.20(e)(1) indicate that 
policyholders should submit their appeal to: DHS/FEMA, Mitigation 
Directorate, Federal Insurance Administrator, 1800 S. Bell Street, 
Arlington, VA 20598-MS3010. FEMA is removing this address from the 
regulations because the Federal Insurance and Mitigation Administration 
(FIMA), which handles claims appeals, is relocating from Arlington, 
Virginia to Washington, DC, and the address in the regulations will no 
longer be valid. Beginning April 4, 2016, policyholders should submit 
written appeals to FEMA at the following address: Federal Insurance and 
Mitigation Administration (FIMA), DHS/FEMA, 400 C Street SW., 3rd 
Floor, Washington, DC 20472-3020. FEMA is also introducing the option 
to submit written appeals via electronic mail at FEMA-NFIP-Appeals@fema.dhs.gov.
    FEMA will make this information available on its Web site at 
www.fema.gov. FEMA has decided to no longer include the address in the 
regulations, and instead to continue providing the address via its Web 
site and requiring participating flood insurance carriers to include 
the address in all denial letters,\1\ so that it is more readily 
available to policyholders and so that FEMA can more easily update the 
address.
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    \1\ See FEMA, Memorandum For: WYO Principal Coordinators and the 
NFIP Direct Servicing Agent, FIMA Address Change, W-16011 (March 8, 
2016), http://www.nfipiservice.com/Stakeholder/pdf/bulletin/w-16011.pdf.

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[[Page 20258]]

II. Regulatory Analysis

a. Administrative Procedure Act

    FEMA did not publish a Notice of Proposed Rulemaking for this 
regulation. FEMA finds that this rule is exempt from the Administrative 
Procedure Act's (5 U.S.C. 553(b)) notice and comment rulemaking 
requirements because it is purely procedural in nature. This rule is 
making a technical change to ensure the accuracy of FEMA's regulations 
as FIMA relocates from Arlington, Virginia to Washington, DC. FEMA 
believes this technical amendment is not controversial and will not 
result in any adverse comments. These changes do not confer any 
substantive rights, benefits, or obligations; therefore, this rule will 
have no substantive effect on the public.
    Under 5 U.S.C. 553(d)(3), FEMA has determined it has good cause to 
make this technical amendment effective immediately, so that appellants 
are aware of the new address as soon as possible and their appeals will 
be received at the correct address.

b. Executive Order 12866, as Amended, Regulatory Planning and Review; 
Executive Order 13563, Improving Regulation and Regulatory Review

    This rule is not a ``significant regulatory action'' under section 
3(f) of Executive Order 12866, ``Regulatory Planning and Review'' (58 
FR 51735, Oct. 4, 1993), accordingly FEMA has not submitted it to the 
Office of Management and Budget for review. As this rule involves a 
non-substantive change, FEMA expects that it will not impose any costs 
on the public.

c. Regulatory Flexibility Act

    The Regulatory Flexibility Act (5 U.S.C. 601-612) requires that 
special consideration be given to the effects of proposed regulations 
on small entities. This rule does not require a Notice of Proposed 
Rulemaking and, therefore, is exempt from the requirements of the 
Regulatory Flexibility Act.

d. Paperwork Reduction Act of 1995

    In accordance with the Paperwork Reduction Act of 1995 (44 U.S.C. 
Ch. 3501-3520), FEMA reviewed this final rule and has determined that 
there are no new collections of information contained therein.

e. Executive Order 13175, Consultation and Coordination With Indian 
Tribal Governments

    This rule does not have Tribal implications under Executive Order 
13175, ``Consultation and Coordination with Indian Tribal Governments'' 
(65 FR 67249, Nov. 9, 2000), because it does not have a substantial 
direct effect on one or more Indian Tribes, on the relationship between 
the Federal Government and Indian Tribes, or on the distribution of 
power and responsibilities between the Federal Government and Indian 
Tribes.

f. Executive Order 13132, Federalism

    A rule has implications for federalism under Executive Order 13132, 
``Federalism'' (64 FR 43255, Aug. 10, 1999), if it has a substantial 
direct effect on State or local governments and would either preempt 
State law or impose a substantial direct cost of compliance on them. 
FEMA has analyzed this rule under that Order and determined that it 
does not have implications for federalism.

g. Congressional Review of Agency Rulemaking

    FEMA has sent this final rule to the Congress and to the Government 
Accountability Office under the Congressional Review of Agency 
Rulemaking Act (Act), Public Law 104-121, 110 Stat. 873 (March 29, 
1996) (5 U.S.C. 804). The rule is not a ``major rule'' within the 
meaning of that Act and will not result in an annual effect on the 
economy of $100,000,000 or more. Moreover, it will not result in a 
major increase in costs or prices for consumers, individual industries, 
Federal, State, or local government agencies, or geographic regions. 
FEMA does not expect that it will have ``significant adverse effects'' 
on competition, employment, investment, productivity, innovation, or on 
the ability of United States-based enterprises to compete with foreign-
based enterprises.

List of Subjects in 44 CFR Part 62

    Claims, Flood insurance, Reporting and recordkeeping requirements.

    For the reasons discussed in the preamble, the Federal Emergency 
Management Agency is amending 44 CFR part 62 as follows:

PART 62--SALE OF INSURANCE AND ADJUSTMENT OF CLAIMS

0
1. The authority citation for part 62 continues to read as follows:

    Authority: 42 U.S.C. 4001 et seq.; Reorganization Plan No. 3 of 
1978, 43 FR 41943, 3 CFR, 1978 Comp., p. 329; E.O. 12127 of Mar. 31, 
1979, 44 FR 19367, 3 CFR, 1979 Comp., p. 376.

0
2. In Sec.  62.20, revise paragraph (e)(1) to read as follows:

Sec.  62.20  Claims appeals.

* * * * *
    (e) * * *
    (1) Submit a written appeal to FEMA within 60 days from the date of 
the decision.
* * * * *

    Authority: 42 U.S.C. 4001 et seq.

W. Craig Fugate,
Administrator, Federal Emergency Management Agency.
[FR Doc. 2016-08025 Filed 4-6-16; 8:45 am]
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