the United States with remaining periods to
maturity comparable to the average maturities
of such loans plus an additional charge of not
to exceed 1 percent per year as determined by
the Director, and adjusted to the nearest 1⁄8 of
1 percent, but not to exceed 8 percent per year.
‘‘(d) DETERMINATION OF LOAN AMOUNTS.—
‘‘(1) GENERAL
RULE.—Except as otherwise
provided by this subsection, and subject to reduc-
tions required under subsections (a) and (b), loans
under this section shall be in amounts equal to 100
percent of property losses described in subsections
(a) and (b).
‘‘(2) LIMITATION ON AGGREGATE AMOUNT.—
No loan shall be made under this section, either di-
rectly or in cooperation with banks or other lending
institutions through agreements to participate on an
immediate or deferred (guaranteed) basis, if the
total amount outstanding and committed to the bor-
rower under this section would exceed $500,000 for
each major disaster or catastrophic disaster.
‘‘(3) LIMITATION ON REDUCTIONS.—The Direc-
tor, subject to the reductions required by subsections
(a) and (b), shall not reduce the amount of eligibility
for any homeowner on account of loss of real estate
to less than $100,000 for each major disaster or cat-
astrophic disaster, or for any homeowner or lessee
on account of loss of personal property to less than
$20,000 for each major disaster or catastrophic dis-
aster, such sums being in addition to any eligible re-
financing.
‘‘(e) COLLATERAL REQUIREMENTS.—The Director
shall not require collateral for loans of $10,000 or less
which are made under subsection (a).
‘‘(f) LOANS MADE
ON
A DEFERRED BASIS.—In
agreements to participate in loans on a deferred basis
under this section, such participation by the Director shall
not be in excess of 90 percent of the balance of the loan
outstanding at the time of disbursement.
‘‘(g) REGULATIONS.—Not later than 1 year after the
date of the enactment of this section, the Director shall
issue such regulations as may be necessary to carry out
this section.
‘‘(h) HOMEOWNER DEFINED.—For purposes of this
section, the term ‘homeowner’ has the meaning such term
has under section 3 of the Small Business Act.’’.
SEC. 14. PROCEDURE FOR DECLARATION OF EMERGENCY.
Section 501(a) of The Robert T. Stafford Disaster
Relief and Emergency Assistance Act (42 U.S.C. 5191(a))
is amended by striking ‘‘information’’ in the fourth sen-
tence and inserting ‘‘such information as the Director
shall require’’.
SEC. 15. REORGANIZATION.
(a) CODIFICATION OF DIRECTOR’S DUTIES.—Each
of the following sections of The Robert T. Stafford Disas-
ter Relief and Emergency Assistance Act are amended by
striking ‘‘President’’ each place it appears and inserting
‘‘Director’’: 201(i) (as redesignated by this Act), 201(j)
(as redesignated by this Act), 202 (other than subsection
(a)), 308, 309, 311, 313(a) (as designated by this Act),
406 (other than subsection (e)), 411, 416, 417, 418, 420,
and 422.
(b) QUALIFICATIONS OF DIRECTOR.—The President
may only appoint a person as the Director of FEMA if
such person has prior emergency management, disaster re-
lief assistance, or fire service experience.
(c) REDESIGNATION
OF EMPLOYEE POSITIONS.—
After December 31, 1993, each of the positions of Re-
gional Director of FEMA shall be classified as a career
reserved position within the meaning of section 3132(a)(8)
of title 5, United States Code.
(d) PRESIDENTIAL APPOINTMENTS.—After Decem-
ber 31, 1993, the following employee positions within
FEMA shall be subject to Presidential appointment with-
out confirmation by the Senate:
(1) The positions of Associate Director of each
of the following:
(A) External Affairs Directorate.
(B) National Preparedness Directorate.
(C) State and Local Programs and Sup-
port Directorate.
(2) The position of Federal Insurance Adminis-
trator.
(3) The position of Administrator of the United
States Fire Administration.
(4) The position of Superintendent of the Na-
tional Academy for Fire Prevention and Control.
(e) CONFORMING AMENDMENTS.—
(1) SECTION 5 OF FFPCA.—Section 5(b) of the
Federal Fire Prevention and Control Act of 1974
(15 U.S.C. 2204(b)) is amended by striking ‘‘, by
and with the advice and consent of the Senate,’’.
(2) SECTION 7 OF FFPCA.—Section 7(b) of such
Act (15 U.S.C. 2206(b)) is amended by striking
‘‘appointed by the Secretary’’ and inserting ‘‘ap-
pointed by the President’’.
SEC. 16. REVISION OF THE FEDERAL CIVIL DEFENSE ACT
OF 1950.
(a) IN GENERAL.—The Federal Civil Defense Act of
1950 (50 U.S.C. App. 2251–2303) is amended to read as
follows:
‘‘SECTION 1. SHORT TITLE; TABLE OF CONTENTS.
‘‘(a) SHORT TITLE.—This Act may be cited as the
‘Federal Civil Defense Act of 1950’.
‘‘(b) TABLE OF CONTENTS.—
‘‘Sec. 1. Short title; table of contents.
‘‘Sec. 2. Declaration of policy.
‘‘Sec. 3. Definitions.
‘‘Sec. 4. Applicability of Act.
‘‘TITLE I—POWERS AND DUTIES
‘‘Sec. 101. Elements of civil defense.
‘‘Sec. 102. Detailed functions of director.
‘‘Sec. 103. Mutual aid pacts between States and neighboring countries.
‘‘Sec. 104. Civil defense identity insignia.
‘‘Sec. 105. Contributions for personnel and administrative expenses.
‘‘Sec. 106. State matching funds for construction of emergency operating cen-
ters.
‘‘Sec. 107. Use of funds to prepare for and respond to emergencies, major dis-
asters, and catastrophes.
‘‘TITLE II—MISCELLANEOUS PROVISIONS
‘‘Sec. 201. Loans to finance projects for civil defense purposes.
‘‘Sec. 202. Civil Defense Procurement Fund.
‘‘Sec. 203. Relation of Act to Atomic Energy Act of 1946.
‘‘Sec. 204. Rule of construction regarding investigation of espionage, sabotage,
or subversive acts.
‘‘Sec. 205. Separability.
‘‘SEC. 2. DECLARATION OF POLICY.
‘‘The purpose of this Act is to provide a system of
civil defense for the protection of life and property in the
United States from major disasters, catastrophic disas-
ters, and emergencies and to vest responsibility for civil