ed or denied not later than 45 days after sub-
mission of such request. 
‘‘(C) PROHIBITION
ON
DETERMINATION 
THAT
LOAN
IS
A
DUPLICATION.—Notwith-
standing subsection (c), in carrying out sub-
paragraph (A), the President may not deter-
mine that a loan is a duplication of assistance, 
provided that all Federal assistance is used to-
ward a loss suffered as a result of the major 
disaster or emergency. 
‘‘(D) PROHIBITION ON INCOME THRESH-
OLD.—In carrying out this paragraph, no in-
come threshold may be applied to limit the eli-
gibility of a recipient from qualifying for a 
waiver under this paragraph. 
‘‘(E) 
APPLICABILITY.—This 
paragraph 
shall apply to any major disaster or emergency 
declared by the President under section 401 or 
501, respectively, on or after January 1, 
2016.’’. 
(2) STATUTORY
CONSTRUCTION.—This sub-
section, including the amendment made by para-
graph (1), shall not be construed to apply to section 
406 or 408 of the Robert T. Stafford Disaster Relief 
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and Emergency Assistance Act (42 U.S.C. 5172, 
5174). 
(3) REPORT.— 
(A) IN GENERAL.—Not later than 1 year 
after the date of enactment of this Act, the Ad-
ministrator of the Federal Emergency Manage-
ment Agency, in coordination with other rel-
evant Federal agencies, shall submit to the con-
gressional committees of jurisdiction a report 
conducted by all relevant Federal agencies to 
improve the comprehensive delivery of disaster 
assistance to individuals following a major dis-
aster or emergency declaration under the Rob-
ert T. Stafford Disaster Relief and Emergency 
Assistance Act. 
(B) 
CONTENTS.—The 
report 
required 
under subparagraph (A) shall include both ad-
ministrative actions taken, or planned to be 
taken, by the agencies as well as legislative pro-
posals, where appropriate, of the following: 
(i) Efforts to improve coordination be-
tween the Agency and other relevant Fed-
eral agencies when delivering disaster as-
sistance to individuals. 
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(ii) Clarify the sequence of delivery of 
disaster assistance to individuals from the 
Agency, and other relevant Federal agen-
cies. 
(iii) Clarify the interpretation and im-
plementation of section 312 of the Robert 
T. Stafford Disaster Relief and Emergency 
Assistance Act (42 U.S.C. 5155) when 
providing disaster assistance to individuals, 
including providing a common interpreta-
tion across the Agency, and other relevant 
Federal agencies, of the definitions and re-
quirements under such section 312. 
(iv) Increase the effectiveness of com-
munication to applicants for assistance 
programs for individuals after a disaster 
declaration, including the breadth of pro-
grams available and the potential impacts 
of utilizing one program versus another. 
(C) REPORT UPDATE.—Not later than 4 
years after the date of enactment of this sub-
section, the Administrator, in coordination with 
other relevant Federal agencies, shall submit to 
the congressional committees of jurisdiction an 
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update to the report required under subpara-
graph (A). 
Æ 
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