ministrator may not take any action to enforce 
such provision.’’. 
SEC. 202. PUBLIC AVAILABILITY OF PROGRAM INFORMA-
TION. 
Part C of chapter II of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4081 et seq.) is amended by adding 
at the end the following new section: 
‘‘SEC. 1349. PUBLIC AVAILABILITY OF PROGRAM INFORMA-
TION. 
‘‘(a) FLOOD RISK INFORMATION.— 
‘‘(1) IN GENERAL.—Except as provided in para-
graph (2), to facilitate the National Flood Insurance 
Program becoming a source of information and data 
for research and development of technology that better 
understands flooding, the risk of flooding, and the 
predictability of perils of flooding, the Administrator 
shall make publicly available all data, models, assess-
ments, analytical tools, and other information in the 
possession of the Administrator relating to the Na-
tional Flood Insurance Program under this title that 
is used in assessing flood risk or identifying and es-
tablishing flood elevations and premiums, includ-
ing— 
‘‘(A) data relating to risk on individual 
properties and loss ratio information and other 
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information identifying losses under the pro-
gram; 
‘‘(B) current and historical policy informa-
tion, limited to the amount and term only, for 
properties currently covered by flood insurance 
and for properties that are no longer covered by 
flood insurance; 
‘‘(C) current and historical claims informa-
tion, limited to the date and amount paid only, 
for properties currently covered by flood insur-
ance and for properties that are no longer cov-
ered by flood insurance; 
‘‘(D) identification of whether a property 
was constructed before or after the effective date 
of the first flood insurance rate map for a com-
munity; 
‘‘(E) identification of properties that have 
been mitigated through elevation, a buyout, or 
any other mitigation action; and 
‘‘(F) identification of unmitigated multiple- 
loss properties. 
‘‘(2) OPEN SOURCE DATA SYSTEM.—In carrying 
out paragraph (1), the Administrator shall establish 
an open source data system by which all information 
required to be made publicly available by such sub-
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section may be accessed by the public on an imme-
diate basis by electronic means. 
‘‘(b) COMMUNITY INFORMATION.—Not later than the 
expiration of the 12-month period beginning upon the date 
of the enactment of this section, the Administrator shall es-
tablish and maintain a publicly searchable database that 
provides information about each community participating 
in the National Flood Insurance Program, which shall in-
clude the following information: 
‘‘(1) The status of the community’s compliance 
with the National Flood Insurance Program, includ-
ing any findings of noncompliance, the status of any 
enforcement actions initiated by a State or by the Ad-
ministrator, and the number of days of any such con-
tinuing noncompliance. 
‘‘(2) The number of properties located in the 
community’s special flood hazard areas that were 
built before the effective date of the first flood insur-
ance rate map for the community. 
‘‘(3) The number of properties located in the 
community’s special flood hazard areas that were 
built after the effective date of the first flood insurance 
rate map for the community. 
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‘‘(4) The total number of current and historical 
claims located outside the community’s special flood 
hazard areas. 
‘‘(5) The total number of multiple-loss properties 
in the community. 
‘‘(6) The portion of the community, stated as a 
percentage and in terms of square miles, that is lo-
cated within special flood hazard areas. 
‘‘(c) IDENTIFICATION OF PROPERTIES.—The informa-
tion provided pursuant to subsections (a) and (b) shall be 
based on data that identifies properties at the zip code or 
census block level, and shall include the name of the commu-
nity and State in which a property is located. 
‘‘(d) PROTECTION OF PERSONALLY IDENTIFIABLE IN-
FORMATION.—The information provided pursuant to sub-
sections (a) and (b) shall be disclosed in a format that does 
not reveal individually identifiable information about 
property owners in accordance with the section 552a of title 
5, United States Code. 
‘‘(e) DEFINITION OF LOSS RATIO.—For purposes of 
this section, the term ‘loss ratio’ means, with respect to the 
National Flood Insurance Program, the ratio of the amount 
of claims paid under the Program to the amount of pre-
miums paid under the Program.’’. 
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SEC. 203. REFUND OF PREMIUMS UPON CANCELLATION OF 
POLICY BECAUSE OF REPLACEMENT WITH 
PRIVATE FLOOD INSURANCE. 
Section 1306 of the National Flood Insurance Act of 
1968 (42 U.S.C. 4013) is amended by adding at the end 
the following new subsection: 
‘‘(e) REFUND OF UNEARNED PREMIUMS FOR POLICIES 
CANCELED BECAUSE
OF REPLACEMENT WITH PRIVATE 
FLOOD INSURANCE.— 
‘‘(1) REQUIRED REFUND.—Subject to subsection 
(c), if at any time an insured under a policy for flood 
insurance coverage for a property that is made avail-
able under this title cancels such policy because other 
duplicate flood insurance coverage for the same prop-
erty has been obtained from a source other than the 
National Flood Insurance Program under this title, 
the Administrator shall refund to the former insured 
a portion of the premiums paid for the coverage made 
available under this title, as determined consistent 
with industry practice according to the portion of the 
term of the policy that such coverage was in effect, but 
only if a copy of declarations page of the new policy 
obtained from a source other than the program under 
this title is provided to the Administrator. 
‘‘(2) EFFECTIVE DATE OF CANCELLATION.—For 
purposes of this subsection, a cancellation of a policy 
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for coverage made available under the national flood 
insurance program under this title, for the reason 
specified in paragraph (1), shall be effective— 
‘‘(A) on the effective date of the new policy 
obtained from a source other than the program 
under this title, if the request for such cancella-
tion was received by the Administrator before the 
expiration of the 6-month period beginning on 
the effective date of the new policy; or 
‘‘(B) on the date of the receipt by the Ad-
ministrator of the request for cancellation, if the 
request for such cancellation was received by the 
Administrator after the expiration of the 6- 
month period beginning on the effective date of 
the new policy. 
‘‘(3) PROHIBITION
OF
REFUNDS
FOR
PROP-
ERTIES RECEIVING INCREASED COST OF COMPLIANCE 
CLAIMS.—No premium amounts paid for coverage 
made available under this title may be refunded pur-
suant to this subsection— 
‘‘(A) with respect to coverage for any prop-
erty for which measures have been implemented 
using amounts received pursuant to a claim 
under increased cost of compliance coverage 
made available pursuant to section 1304(b); or 
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‘‘(B) if a claim has been paid or is pending 
under the policy term for which the refund is 
sought.’’. 
SEC. 204. PROVISION OF PRIVATE FLOOD INSURANCE BY 
MUTUAL AID SOCIETIES. 
Paragraph (7) of section 102(b) of the Flood Disaster 
Protection Act of 1973 (42 U.S.C. 4012a(c)) is amended 
to read as follows: 
‘‘(7) DEFINITIONS.—In this section: 
‘‘(A) FEDERAL
FLOOD
INSURANCE.—The 
term ‘Federal flood insurance’ means an insur-
ance policy made available under the National 
Flood Insurance Act of 1968 (42 U.S.C. 4001 et 
seq.). 
‘‘(B) FLOOD INSURANCE.—The term ‘flood 
insurance’ means— 
‘‘(i) Federal flood insurance; and 
‘‘(ii) private flood insurance. 
‘‘(C) MUTUAL AID SOCIETY.—The term ‘mu-
tual aid society’ means an organization— 
‘‘(i) the members of which— 
‘‘(I) share a common set of ethical 
or religious beliefs; and 
‘‘(II) in accordance with the be-
liefs described in subclause (I), agree to 
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cover expenses arising from damage to 
property of the members of the organi-
zation, including damage caused by 
flooding; and 
‘‘(ii) that has a demonstrated history 
of fulfilling the terms of agreements to cover 
expenses arising from damage to property of 
the members of the organization caused by 
flooding. 
‘‘(D) PRIVATE
FLOOD
INSURANCE.—The 
term ‘private flood insurance’ means— 
‘‘(i) an insurance policy that— 
‘‘(I) is issued by an insurance 
company that is— 
‘‘(aa) licensed, admitted, or 
otherwise approved to engage in 
the business of insurance in the 
State in which the insured build-
ing is located, by the insurance 
regulator of that State; or 
‘‘(bb) eligible as a non-
admitted insurer to provide insur-
ance in the home State of the in-
sured, in accordance with sections 
521 through 527 of the Non-
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admitted and Reinsurance Reform 
Act of 2010 (15 U.S.C. 8201 
through 8206); 
‘‘(II) is issued by an insurance 
company that is not otherwise dis-
approved as a surplus lines insurer by 
the insurance regulator of the State in 
which the property to be insured is lo-
cated; and 
‘‘(III) provides flood insurance 
coverage that complies with the laws 
and regulations of that State; or 
‘‘(ii) an agreement with a mutual aid 
society for such society to cover expenses 
arising from damage to property of the 
members of such society caused by flooding, 
unless the State in which the property to be 
insured is located has— 
‘‘(I) determined that the specific 
mutual aid society may not provide 
such coverage or provide such coverage 
in such manner; or 
‘‘(II) specifically provided through 
law or regulation that mutual aid soci-
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eties may not provide such coverage or 
provide such coverage in such manner. 
‘‘(E) STATE.—The term ‘State’ means any 
State of the United States, the District of Colum-
bia, the Commonwealth of Puerto Rico, Guam, 
the Northern Mariana Islands, the Virgin Is-
lands, and American Samoa.’’. 
SEC. 205. GAO STUDY OF FLOOD DAMAGE SAVINGS AC-
COUNTS. 
(a) IN GENERAL.—The Comptroller General of the 
United States shall conduct a study to analyze the feasi-
bility and effectiveness, and problems involved, in reducing 
flood insurance premiums and eliminating the need for 
purchase of flood insurance coverage by authorizing owners 
of residential properties to establish flood damage savings 
accounts described in subsection (b) in lieu of complying 
with the mandatory requirements under section 102 of the 
Flood Disaster Protection Act of 1973 (42 U.S.C. 4012a) 
to purchase flood insurance for such properties. 
(b) FLOOD DAMAGE SAVINGS ACCOUNT.—A flood dam-
age savings account described in this subsection is a savings 
account— 
(1) that would be established by an owner of res-
idential property with respect to such property in ac-
cordance with requirements established by the Admin-
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istrator of the Federal Emergency Management Agen-
cy; and 
(2) the proceeds of which would be available for 
use only to cover losses to such properties resulting 
from flooding, pursuant to adjustment of a claim for 
such losses in the same manner and according to the 
same procedures as apply to claims for losses under 
flood insurance coverage made available under the 
National Flood Insurance Act of 1968. 
(c) ISSUES.—Such study shall include an analysis of, 
and recommendation regarding, each of the following issues: 
(1) Whether authorizing the establishment of 
such flood damage savings accounts would be effective 
and efficient in reducing flood insurance premiums, 
eliminating the need for purchase of flood insurance 
coverage made available under the National Flood In-
surance Program, and reducing risks to the financial 
safety and soundness of the National Flood Insurance 
Fund. 
(2) Possible options for structuring such flood 
damage savings accounts, including— 
(A) what types of institutions could hold 
such accounts and the benefits and problems with 
each such type of institution; 
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(B) considerations affecting the amounts re-
quired to be held in such accounts; and 
(C) options regarding considerations the 
conditions under which such an account may be 
terminated. 
(3) The feasibility and effectiveness, and prob-
lems involved in, authorizing the Administrator of the 
Federal Emergency Management Agency to make sec-
ondary flood insurance coverage available under the 
National Flood Insurance Program to cover the por-
tion of flood losses or damages to properties for which 
such flood damage savings accounts have been estab-
lished that exceed the amounts held in such accounts. 
(4) The benefits and problems involved in au-
thorizing the establishment of such accounts for non- 
residential properties. 
(d) REPORT.—Not later than the expiration of the 12- 
month period beginning on the date of the enactment of this 
Act, the Comptroller General shall submit a report to the 
Committee on Financial Services of the House of Represent-
atives, the Committee on Banking, Housing, and Urban Af-
fairs of the Senate, and the Administrator that sets forth 
the analysis, conclusions, and recommendations resulting 
from the study under this section. Such report shall identify 
elements that should be taken into consideration by the Ad-
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ministrator in designing and carrying out the demonstra-
tion program under section 205. 
SEC. 206. DEMONSTRATION PROGRAM FOR FLOOD DAMAGE 
SAVINGS ACCOUNTS. 
(a) PLAN.—If the Comptroller General of the United 
States concludes in the report required under section 205 
that a demonstration program under this section is feasible 
and should be considered, then the Administrator of the 
Federal Emergency Management Agency shall, not later 
than the expiration of the 12-month period beginning upon 
the submission of the report under section 205(d), submit 
to the Committee on Financial Services of the House of Rep-
resentatives and the Committee on Banking, Housing, and 
Urban Affairs of the Senate a plan and guidelines for a 
demonstration program, to be carried out by the Adminis-
trator, to demonstrate the feasibility and effectiveness of au-
thorizing the establishment of flood damage savings ac-
counts, taking into consideration the analysis, conclusions, 
and recommendations included in such report. 
(b) AUTHORITY.—The Administrator of the Federal 
Emergency Management Agency shall carry out a program 
to demonstrate the feasibility and effectiveness of author-
izing the establishment of flood damage savings accounts 
in the manner provided in plan and guidelines for the dem-
onstration program submitted pursuant to subsection (a). 
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(c) SCOPE.—The demonstration program under this 
section shall provide for the establishment of flood damage 
savings accounts with respect to not more than 5 percent 
of the residential properties that have 4 or fewer residences 
and that are covered by flood insurance coverage made 
available under the National Flood Insurance Program. 
(d) TIMING.—The Administrator shall commence the 
demonstration program under this section not later than 
the expiration of the 12-month period beginning upon the 
submission of the plan and guidelines for the demonstration 
pursuant to subsection (a). 
(e) GEOGRAPHICAL DIVERSITY.—The Administrator 
shall ensure that properties for which flood damage savings 
accounts are established under the demonstration are lo-
cated in diverse geographical areas throughout the United 
States. 
(f) REPORT.—Upon the expiration of the 2-year period 
beginning upon the date of the commencement of the dem-
onstration program under this section, the Administrator 
shall submit a report to the Committee on Financial Serv-
ices of the House of Representatives and the Committee on 
Banking, Housing, and Urban Affairs of the Senate describ-
ing and assessing the demonstration, and setting forth con-
clusions and recommendations regarding continuing and 
expanding the demonstration. 
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(g) FEASIBILITY.—The Administrator shall implement 
this section only after determining that implementation is 
supported by the Comptroller’s conclusions and rec-
ommendations contained in the report required under sec-
tion 205. 
TITLE III—MAPPING FAIRNESS 
SEC. 301. USE OF OTHER RISK ASSESSMENT TOOLS IN DE-
TERMINING PREMIUM RATES. 
(a) ESTIMATES OF PREMIUM RATES.—Subparagraph 
(A) of section 1307(a)(1) of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4014(a)(1)(A)) is amended— 
(1) in clause (ii), by striking ‘‘and’’ at the end; 
and 
(2) by adding at the end the following new 
clause: 
‘‘(iv) both the risk identified by the ap-
plicable flood insurance rate maps and by 
other risk assessment data and tools, includ-
ing risk assessment models and scores from 
appropriate sources; and’’. 
(b) ESTABLISHMENT
OF
CHARGEABLE
PREMIUM 
RATES.—Paragraph (1) of section 1308(b) of the National 
Flood Insurance Act of 1968 (42 U.S.C. 4015(b)(1)) is 
amended by inserting before the semicolon at the end the 
following: ‘‘, taking into account both the risk identified by 
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the applicable flood insurance rate maps and by other risk 
assessment data and tools, including risk assessment models 
and scores from appropriate sources’’. 
(c) EFFECTIVE DATE AND REGULATIONS.— 
(1) EFFECTIVE DATE.—The amendments made 
by subsections (a) and (b) shall be made, and shall 
take effect, upon the expiration of the 36-month pe-
riod beginning on the date of the enactment of this 
Act. 
(2) REGULATIONS.—The Administrator of the 
Federal Emergency Management Agency shall issue 
regulations necessary to implement the amendments 
made by subsections (a) and (b), which shall identify 
risk assessment data and tools to be used in identi-
fying flood risk and appropriate sources for risk as-
sessment models and scores to be so used. Such regula-
tions shall be issued not later than the expiration of 
the 36-month period beginning on the date of the en-
actment of this Act and shall take effect upon the ex-
piration of such period. 
SEC. 302. APPEALS REGARDING EXISTING FLOOD MAPS. 
(a) IN GENERAL.—Section 1360 of the National Flood 
Insurance Act of 1968 (42 U.S.C. 4101) is amended by add-
ing at the end the following new subsection: 
‘‘(k) APPEALS OF EXISTING MAPS.— 
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‘‘(1) RIGHT TO APPEAL.—Subject to paragraph 
(6), a State or local government, or the owner or les-
see of real property, who has made a formal request 
to the Administrator to update a flood map that the 
Administrator has denied may at any time appeal 
such a denial as provided in this subsection. 
‘‘(2) BASIS FOR APPEAL.—The basis for appeal 
under this subsection shall be the possession of knowl-
edge or information that— 
‘‘(A) the base flood elevation level or des-
ignation of any aspect of a flood map is scientif-
ically or technically inaccurate; or 
‘‘(B) factors exist that mitigate the risk of 
flooding, including ditches, banks, walls, vegeta-
tion, levees, lakes, dams, reservoirs, basin, reten-
tion ponds, and other natural or manmade topo-
graphical features. 
‘‘(3) APPEALS PROCESS.— 
‘‘(A) ADMINISTRATIVE ADJUDICATION.—An 
appeal under this subsection shall be determined 
by a final adjudication on the record, and after 
opportunity for an administrative hearing. 
‘‘(B) RIGHTS UPON ADVERSE DECISION.—If 
an appeal pursuant to subparagraph (A) does 
not result in a decision in favor of the State, 
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local government, owner, or lessee, such party 
may appeal the adverse decision to the Scientific 
Resolution Panel provided for in section 1363A, 
which shall recommend a non-binding decision 
to the Administrator. 
‘‘(4) RELIEF.— 
‘‘(A) WHOLLY
SUCCESSFUL
APPEALS.—In 
the case of a successful appeal resulting in a pol-
icyholder’s property being removed from a spe-
cial flood hazard area, such policyholder may 
cancel the policy at any time within the current 
policy year, and the Administrator shall provide 
such policyholder a refund in the amount of any 
premiums paid for such policy year, plus any 
premiums paid for flood insurance coverage that 
the policyholder was required to purchase or 
maintain during the 2-year period preceding 
such policy year. 
‘‘(B) PARTIALLY SUCCESSFUL APPEALS.— 
In the case of any appeal in which mitigating 
factors were determined to have reduced, but not 
eliminated, the risk of flooding, the Adminis-
trator shall reduce the amount of flood insurance 
coverage required to be maintained for the prop-
erty concerned by the ratio of the successful por-
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tion of the appeal as compared to the entire ap-
peal. The Administrator shall refund to the pol-
icyholder any payments made in excess of the 
amount necessary for such new coverage amount, 
effective from the time when the mitigating fac-
tor was created or the beginning of the second 
policy year preceding the determination of the 
appeal, whichever occurred later. 
‘‘(C) ADDITIONAL RELIEF.—The Adminis-
trator may provide additional refunds in excess 
of the amounts specified in subparagraphs (A) 
and (B) if the Administrator determines that 
such additional amounts are warranted. 
‘‘(5) RECOVERY OF COSTS.—When, incident to 
any appeal which is successful in whole or part re-
garding the designation of the base flood elevation or 
any aspect of the flood map, including elevation or 
designation of a special flood hazard area, the com-
munity, or the owner or lessee of real property, as the 
case may be, incurs expense in connection with the 
appeal, including services provided by surveyors, en-
gineers, and scientific experts, the Administrator shall 
reimburse such individual or community for reason-
able expenses to an extent measured by the ratio of 
the successful portion of the appeal as compared to 
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the entire appeal, but not including legal services, in 
the effecting of an appeal based on a scientific or 
technical error on the part of the Federal Emergency 
Management Agency. No reimbursement shall be 
made by the Administrator in respect to any fee or 
expense payment, the payment of which was agreed to 
be contingent upon the result of the appeal. The Ad-
ministrator may use such amounts from the National 
Flood Insurance Fund established under section 1310 
as may be necessary to carry out this paragraph. 
‘‘(6) INAPPLICABILITY
TO
COMMUNITY
FLOOD 
MAPS.—This subsection shall not apply with respect 
to any flood map that is in effect pursuant to certifi-
cation under the standards, guidelines, and proce-
dures 
established 
pursuant 
to 
section 
100215(m)(1)(B) of the Biggert-Waters Flood Insur-
ance Reform Act of 2012 (42 U.S.C. 4101a(m)(1)(B)). 
‘‘(7) GUIDANCE.—The Administrator shall issue 
guidance to implement this subsection, which shall 
not be subject to the notice and comment requirements 
under section 553 of title 5, United States Code.’’. 
(b) DEADLINE.—The Administrator of the Federal 
Emergency Management Agency shall issue the guidance re-
ferred to section 1360(k)(7) of the National Flood Insurance 
Act of 1968 (42 U.S.C. 4101(k)(7)), as added by the amend-
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ment made by subsection (a) of this section, not later than 
the expiration of the 6-month period beginning on the date 
of the enactment of this Act. 
SEC. 303. APPEALS AND PUBLICATION OF PROJECTED SPE-
CIAL FLOOD HAZARD AREAS. 
(a) APPEALS.—Section 1363 of the National Flood In-
surance Act of 1968 (42 U.S.C. 4104) is amended— 
(1) in subsection (b), by striking the second sen-
tence and inserting the following: ‘‘Any owner or les-
see of real property within the community who be-
lieves the owner’s or lessee’s rights to be adversely af-
fected by the Administrator’s proposed determination 
may appeal such determination to the local govern-
ment no later than 90 days after the date of the sec-
ond publication.’’; 
(2) in subsection (d), by striking ‘‘subsection (e)’’ 
and inserting ‘‘subsection (f)’’; 
(3) by redesignating subsections (e), (f), and (g) 
as subsections (f), (g), and (h), respectively; and 
(4) by inserting after subsection (d) the following 
new subsection: 
‘‘(e) DETERMINATION BY ADMINISTRATOR IN THE AB-
SENCE OF APPEALS.—If the Administrator has not received 
any appeals, upon expiration of the 90-day appeal period 
established under subsection (b) of this section the Adminis-
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trator’s proposed determination shall become final. The 
community shall be given a reasonable time after the Ad-
ministrator’s final determination in which to adopt local 
land use and control measures consistent with the Adminis-
trator’s determination.’’. 
(b) PUBLICATION.—Subsection (a) of section 1363 of 
the National Flood Insurance Act of 1968 (42 U.S.C. 
4104(a)) is amended by striking ‘‘in the Federal Register’’. 
(c) INAPPLICABILITY TO PRIVATE AND COMMUNITY 
FLOOD MAPS.—Section 1363 of the National Flood Insur-
ance Act of 1968 (42 U.S.C. 4104), as amended by the pre-
ceding provisions of this section, is further amended by add-
ing at the end the following new subsection: 
‘‘(i) INAPPLICABILITY TO COMMUNITY FLOOD MAPS.— 
This section shall not apply with respect to any flood map 
that is in effect pursuant to certification under the stand-
ards, guidelines, and procedures established pursuant to sec-
tion 100215(m)(1) of the Biggert-Waters Flood Insurance 
Reform Act of 2012 (42 U.S.C. 4101a(m)(1)), which shall 
include procedures for providing notification and appeal 
rights to individuals within the communities of the pro-
posed flood elevation determinations.’’. 
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SEC. 304. COMMUNICATION AND OUTREACH REGARDING 
MAP CHANGES. 
Paragraph (1) of section 100216(d) of the Biggert- 
Waters Flood Insurance Reform Act of 2012 (42 U.S.C. 
4101b(d)(1)) is amended— 
(1) in subparagraph (B), by inserting ‘‘max-
imum’’ before ‘‘30-day period’’; and 
(2) in subparagraph (C), by inserting ‘‘max-
imum’’ before ‘‘30-day period’’. 
SEC. 305. SHARING AND USE OF MAPS AND DATA. 
Subsection (b) of section 100216 of the Biggert-Waters 
Flood Insurance Reform Act of 2012 (42 U.S.C. 4101b(b)) 
is amended— 
(1) in paragraph (1)— 
(A) in subparagraph (B), by striking ‘‘and’’ 
at the end; 
(B) in subparagraph (C), by striking the 
period at the end and inserting ‘‘; and’’ ; and 
(C) by adding at the end the following new 
subparagraph: 
‘‘(D) consult and coordinate with the De-
partment of Defense, the United States Geologi-
cal Survey, and the National Oceanic and At-
mospheric Administration for the purpose of ob-
taining the most-up-to-date maps and other in-
formation of such agencies, including informa-
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maintaining, and operating a Flood Insurance 
Clearinghouse in accordance with section 1350 of 
the National Flood Insurance Act of 1968 (as 
added by the amendment made by subsection (c) 
of this section); and 
(B) to develop a plan and guidelines for es-
tablishment, design, and operation of such a 
Clearinghouse 
(2) REPORT.—Not later than the expiration of 
the two-year period beginning on the date of the en-
actment of this Act, the Administrator shall submit a 
report to the Committee on Financial Services of the 
House of Representatives and the Committee on 
Banking, Housing, and Urban Affairs of the Senate 
that sets forth the analysis, conclusions, and rec-
ommendations resulting from the study under this 
section. Such report shall include a plan for establish-
ment, design, and operation of the Flood Insurance 
Clearinghouse, and guidelines for such Clearinghouse, 
sufficient to provide for commencement of operations 
of the Clearinghouse under section 1350 of the Na-
tional Flood Insurance Act of 1968. 
(c) ESTABLISHMENT OF CLEARINGHOUSE.—Part C of 
chapter II of the National Flood Insurance Act of 1968 (42 
U.S.C. 4081 et seq.), as amended by the preceding provi-
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