H. R. 4348—573 
determine whether the COASTAL Formula can 
achieve a degree of accuracy of not less than 90 
percent in allocating flood losses for indeterminate 
losses. 
‘‘(ii) REPORT.—The National Academy of Sciences 
shall submit a report containing the results of each 
evaluation under clause (i) to the Administrator, the 
Committee on Banking, Housing, and Urban Affairs 
and the Committee on Commerce, Science, and 
Transportation of the Senate, and the Committee on 
Financial Services and the Committee on Science, 
Space, and Technology of the House of Representatives. 
‘‘(B) EFFECTIVE DATE AND APPLICABILITY.— 
‘‘(i) EFFECTIVE DATE.—Paragraphs (1) and (2) of 
this subsection shall not take effect unless the report 
under subparagraph (A) relating to the establishment 
of the COASTAL Formula concludes that the use of 
the COASTAL Formula for purposes of paragraph (1) 
and (2) would not have an adverse financial impact 
on the national flood insurance program and that the 
COASTAL Formula is based on valid scientific assump-
tions that would allow a degree of accuracy of not 
less than 90 percent to be achieved in allocating flood 
losses for indeterminate losses. 
‘‘(ii) EFFECT OF MODIFICATIONS.—Unless the report 
under subparagraph (A) relating to a modification of 
the COASTAL Formula concludes that the use of the 
COASTAL Formula, as so modified, for purposes of 
paragraphs (1) and (2) would not have an adverse 
financial impact on the national flood insurance pro-
gram and that the COASTAL Formula is based on 
valid scientific assumptions that would allow a degree 
of accuracy of not less than 90 percent to be achieved 
in allocating flood losses for indeterminate losses the 
Administrator may not use the COASTAL Formula, 
as so modified, for purposes of paragraphs (1) and 
(2). 
‘‘(C) FUNDING.—Notwithstanding section 1310 of the 
National Flood Insurance Act of 1968 (42 U.S.C. 4017), 
there shall be available to the Administrator from the 
National Flood Insurance Fund, of amounts not otherwise 
obligated, not more than $750,000 to carry out this para-
graph. 
‘‘(d) DISCLOSURE OF COASTAL FORMULA.—Not later than 30 
days after the date on which a post-storm assessment is submitted 
to the Secretary under section 12312(b)(2)(C) of the Omnibus Public 
Land Management Act of 2009, for each indeterminate loss for 
which the COASTAL Formula is used pursuant to subsection (c)(2), 
the Administrator shall disclose to the policyholder that makes 
a claim relating to the indeterminate loss— 
‘‘(1) that the Administrator used the COASTAL Formula 
with respect to the indeterminate loss; and 
‘‘(2) a summary of the results of the use of the COASTAL 
Formula. 
‘‘(e) CONSULTATION.—In carrying out subsections (b) and (c), 
the Secretary shall consult with— 
‘‘(1) the Under Secretary for Oceans and Atmosphere;
H. R. 4348—574 
‘‘(2) the Director of the National Institute of Standards 
and Technology; 
‘‘(3) the Chief of Engineers of the Corps of Engineers; 
‘‘(4) the Director of the United States Geological Survey; 
‘‘(5) the Office of the Federal Coordinator for Meteorology; 
‘‘(6) State insurance regulators of coastal States; and 
‘‘(7) such public, private, and academic sector entities as 
the Secretary considers appropriate for purposes of carrying 
out such subsections. 
‘‘(f) RECORDKEEPING.—Each consideration and measure the 
Administrator determines necessary to carry out subsection (b) 
may be required, with advanced approval of the Administrator, 
to be provided for on the National Flood Insurance Program Ele-
vation Certificate, or maintained otherwise on record if approved 
by the Administrator, for any property that qualifies for the 
COASTAL Formula under subsection (c). 
‘‘(g) CIVIL PENALTY.— 
‘‘(1) IN GENERAL.—If an insurance claims adjuster know-
ingly and willfully makes a false or inaccurate determination 
relating to an indeterminate loss, the Administrator may, after 
notice and opportunity for hearing, impose on the insurance 
claims adjuster a civil penalty of not more than $1,000. 
‘‘(2) DEPOSIT.—Notwithstanding section 3302 of title 31, 
United States Code, or any other law relating to the crediting 
of money, the Administrator shall deposit in the National Flood 
Insurance Fund any amounts received under this subsection, 
which shall remain available until expended and be available 
to the Administrator for purposes authorized for the National 
Flood Insurance Fund without further appropriation. 
‘‘(h) RULE OF CONSTRUCTION.—Nothing in this subsection shall 
be construed to require the Administrator to make any payment 
under the national flood insurance program, or an insurance com-
pany to make any payment, for an indeterminate loss based upon 
post-storm assessment or the COASTAL Formula. 
‘‘(i) APPLICABILITY.—Subsection (c) shall apply with respect to 
an indeterminate loss associated with a named storm that occurs 
after the date on which the Administrator issues the rule estab-
lishing the COASTAL Formula under subsection (b). 
‘‘(j) RULE OF CONSTRUCTION.—Nothing in this subsection shall 
be construed to negate, set aside, or void any policy limit, including 
any loss limitation, set forth in a standard insurance policy.’’. 
Subtitle C—HEARTH Act Amendment 
SEC. 100261. HEARTH ACT TECHNICAL CORRECTIONS. 
For purposes of title IV of the McKinney-Vento Homeless 
Assistance Act (42 U.S.C. 11360 et seq.)— 
(1) the term ‘‘local government’’ includes an instrumentality 
of a unit of general purpose local government other than a 
public housing agency that is established pursuant to legislation 
and designated by the chief executive to act on behalf of the 
local government with regard to activities funded under such 
title IV and includes a combination of general purpose local 
governments, such as an association of governments, that is 
recognized by the Secretary of Housing and Urban Develop-
ment;
H. R. 4348—575 
(2) the term ‘‘State’’ includes any instrumentality of any 
of the several States designated by the Governor to act on 
behalf of the State and does not include the District of 
Columbia; 
(3) for purposes of environmental review, the Secretary 
of Housing and Urban Development shall continue to permit 
assistance and projects to be treated as assistance for special 
projects that are subject to section 305(c) of the Multifamily 
Housing Property Disposition Reform Act of 1994 (42 U.S.C. 
3547), and subject to the regulations issued by the Secretary 
of Housing and Urban Development to implement such section; 
and 
(4) a metropolitan city and an urban county that each 
receive an allocation under such title IV and are located within 
a geographic area that is covered by a single continuum of 
care may jointly request the Secretary of Housing and Urban 
Development to permit the urban county or the metropolitan 
city, as agreed to by such county and city, to receive and 
administer their combined allocations under a single grant. 
TITLE III—STUDENT LOAN INTEREST 
RATE EXTENSION 
SEC. 100301. FEDERAL DIRECT STAFFORD LOAN INTEREST RATE 
EXTENSION. 
Section 455(b)(7)(D) of the Higher Education Act of 1965 (20 
U.S.C. 1087e(b)(7)(D)) is amended— 
(1) in the matter preceding clause (i), by striking ‘‘and 
before July 1, 2012,’’ and inserting ‘‘and before July 1, 2013,’’; 
and 
(2) in clause (v), by striking ‘‘and before July 1, 2012,’’ 
and inserting ‘‘and before July 1, 2013,’’. 
SEC. 100302. ELIGIBILITY FOR, AND INTEREST CHARGES ON, FEDERAL 
DIRECT STAFFORD LOANS FOR NEW BORROWERS ON 
OR AFTER JULY 1, 2013. 
(a) IN GENERAL.—Section 455 of the Higher Education Act 
of 1965 (20 U.S.C. 1087e) is amended by adding at the end the 
following: 
‘‘(q) ELIGIBILITY
FOR, AND INTEREST CHARGES
ON, FEDERAL 
DIRECT STAFFORD LOANS FOR NEW BORROWERS ON OR AFTER JULY 
1, 2013.— 
‘‘(1) IN GENERAL.—Notwithstanding subsection (a) or any 
other provision of this title, any borrower who was a new 
borrower on or after July 1, 2013, shall not be eligible for 
a Federal Direct Stafford Loan if the period of time for which 
the borrower has received Federal Direct Stafford Loans, in 
the aggregate, exceeds the period of enrollment described in 
paragraph (3). Such borrower may still receive any Federal 
Direct Unsubsidized Stafford Loan for which such borrower 
is otherwise eligible. 
‘‘(2) ACCRUAL OF INTEREST ON FEDERAL DIRECT STAFFORD 
LOANS.—Notwithstanding subsection (f)(1)(A) or any other 
provision of this title and beginning on the date upon which 
a borrower who is enrolled in a program of education or training 
(including a course of study or program described in paragraph
H. R. 4348—576 
(3)(B) or (4)(B) of section 484(b)) for which borrowers are other-
wise eligible to receive Federal Direct Stafford Loans, becomes 
ineligible for such loan as a result of paragraph (1), interest 
on all Federal Direct Stafford Loans that were disbursed to 
such borrower on or after July 1, 2013, shall accrue. Such 
interest shall be paid or capitalized in the same manner as 
interest on a Federal Direct Unsubsidized Stafford Loan is 
paid or capitalized under section 428H(e)(2). 
‘‘(3) PERIOD OF ENROLLMENT.— 
‘‘(A) IN GENERAL.—The aggregate period of enrollment 
referred to in paragraph (1) shall not exceed the lesser 
of— 
‘‘(i) a period equal to 150 percent of the published 
length of the educational program in which the student 
is enrolled; or 
‘‘(ii) in the case of a borrower who was previously 
enrolled in one or more other educational programs 
that began on or after July 1, 2013, and subject to 
subparagraph (B), a period of time equal to the dif-
ference between— 
‘‘(I) 150 percent of the published length of 
the longest educational program in which the bor-
rower was, or is, enrolled; and 
‘‘(II) any periods of enrollment in which the 
borrower received a Federal Direct Stafford Loan. 
‘‘(B) REGULATIONS.—The Secretary shall specify in 
regulation— 
‘‘(i) how the aggregate period described in subpara-
graph (A) shall be calculated with respect to a borrower 
who was or is enrolled on less than a full-time basis; 
and 
‘‘(ii) how such aggregate period shall be calculated 
to include a course of study or program described in 
paragraph (3)(B) or (4)(B) of section 484(b), respec-
tively.’’. 
(b) INAPPLICABILITY
OF TITLE IV NEGOTIATED RULEMAKING 
REQUIREMENT AND MASTER CALENDAR EXCEPTION.—Sections 482(c) 
and 492 of the Higher Education Act of 1965 (20 U.S.C. 1089(c), 
1098a) shall not apply to the amendment made by subsection (a), 
or to any regulations promulgated under such amendment. 
DIVISION G—SURFACE 
TRANSPORTATION EXTENSION 
SEC. 110001. SHORT TITLE. 
This division may be cited as the ‘‘Surface Transportation 
Extension Act of 2012, Part II’’. 
TITLE I—FEDERAL-AID HIGHWAYS 
SEC. 111001. EXTENSION OF FEDERAL-AID HIGHWAY PROGRAMS. 
(a) IN GENERAL.—Section 111 of the Surface Transportation 
Extension Act of 2011, Part II (Public Law 112–30; 125 Stat. 343; 
126 Stat. 272) is amended—
H. R. 4348—577 
(1) by striking ‘‘the period beginning on October 1, 2011, 
and ending on June 30, 2012,’’ each place it appears and 
inserting ‘‘fiscal year 2012’’; 
(2) by striking ‘‘3⁄4 of’’ each place it appears; and 
(3) in subsection (a) by striking ‘‘June 30, 2012’’ and 
inserting ‘‘September 30, 2012’’. 
(b) USE OF FUNDS.—Section 111(c) of the Surface Transpor-
tation Extension Act of 2011, Part II (125 Stat. 343; 126 Stat. 
272) is amended— 
(1) in paragraph (3)— 
(A) in subparagraph (A) by striking ‘‘, except that 
during such period’’ and all that follows before the period 
at the end; and 
(B) in subparagraph (B)(ii) by striking ‘‘$479,250,000’’ 
and inserting ‘‘$639,000,000’’; and 
(2) by striking paragraph (4). 
(c) EXTENSION
OF
AUTHORIZATIONS
UNDER
TITLE
V 
OF 
SAFETEA–LU.—Section 111(e)(2) of the Surface Transportation 
Extension Act of 2011, Part II (125 Stat. 346; 126 Stat. 272) is 
amended by striking ‘‘the period beginning on October 1, 2011, 
and ending on June 30, 2012.’’ and inserting ‘‘fiscal year 2012.’’. 
(d) ADMINISTRATIVE EXPENSES.—Section 112(a) of the Surface 
Transportation Extension Act of 2011, Part II (125 Stat. 346; 126 
Stat. 272) is amended by striking ‘‘$294,641,438 for the period 
beginning on October 1, 2011, and ending on June 30, 2012.’’ 
and inserting ‘‘$392,855,250 for fiscal year 2012.’’. 
TITLE II—EXTENSION OF HIGHWAY 
SAFETY PROGRAMS 
SEC. 112001. EXTENSION OF NATIONAL HIGHWAY TRAFFIC SAFETY 
ADMINISTRATION HIGHWAY SAFETY PROGRAMS. 
(a) CHAPTER 4 HIGHWAY SAFETY PROGRAMS.—Section 2001(a)(1) 
of SAFETEA–LU (119 Stat. 1519) is amended by striking 
‘‘$235,000,000 for each of fiscal years 2009 through 2011’’ and 
all that follows through the period at the end and inserting ‘‘and 
$235,000,000 for each of fiscal years 2009 through 2012.’’. 
(b) HIGHWAY SAFETY RESEARCH AND DEVELOPMENT.—Section 
2001(a)(2) of SAFETEA–LU (119 Stat. 1519) is amended by striking 
‘‘and $81,183,000 for the period beginning on October 1, 2011, 
and ending on June 30, 2012.’’ and inserting ‘‘and $108,244,000 
for fiscal year 2012.’’. 
(c) 
OCCUPANT
PROTECTION
INCENTIVE
GRANTS.—Section 
2001(a)(3) of SAFETEA–LU (119 Stat. 1519) is amended by striking 
‘‘$25,000,000 for each of fiscal years 2006 through 2011’’ and all 
that follows through the period at the end and inserting ‘‘and 
$25,000,000 for each of fiscal years 2006 through 2012.’’. 
(d) SAFETY BELT PERFORMANCE GRANTS.—Section 2001(a)(4) 
of SAFETEA–LU (119 Stat. 1519) is amended by striking ‘‘and 
$36,375,000 for the period beginning on October 1, 2011, and ending 
on June 30, 2012.’’ and inserting ‘‘and $48,500,000 for fiscal year 
2012.’’. 
(e) STATE TRAFFIC SAFETY INFORMATION SYSTEM IMPROVE-
MENTS.—Section 2001(a)(5) of SAFETEA–LU (119 Stat. 1519) is 
amended by striking ‘‘for each of fiscal years 2006 through 2011’’