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of the Robert T. Stafford Disaster Relief and Emer-
gency Assistance Act (42 U.S.C. 5170; 42 U.S.C. 
5191) on or after October 30, 2012. 
(b) WAIVER AUTHORITY.—Notwithstanding section 
3716(e) of title 31, United States Code, the Administrator 
of the Federal Emergency Management Agency— 
(1) subject to paragraph (2), may waive a debt 
owed to the United States related to covered assist-
ance provided to an individual or household if— 
(A) the covered assistance was distributed 
based on an error by the Federal Emergency 
Management Agency; 
(B) there was no fault on behalf of the 
debtor; and 
(C) the collection of the debt would be 
against equity and good conscience; and 
(2) may not waive a debt under paragraph (1) 
if the debt involves fraud, the presentation of a false 
claim, or misrepresentation by the debtor or any 
party having an interest in the claim. 
(c) MONITORING OF COVERED ASSISTANCE DISTRIB-
UTED BASED ON ERROR.— 
(1) IN GENERAL.—The Inspector General shall 
monitor the distribution of covered assistance to in-
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dividuals and households to determine the percent-
age of such assistance distributed based on an error. 
(2) REMOVAL OF WAIVER AUTHORITY BASED 
ON EXCESSIVE ERROR RATE.—If the Inspector Gen-
eral determines, with respect to any 12-month pe-
riod, that the amount of covered assistance distrib-
uted based on an error by the Federal Emergency 
Management Agency exceeds 4 percent of the total 
amount of covered assistance distributed— 
(A) the Inspector General shall notify the 
Administrator and publish the determination in 
the Federal Register; and 
(B) with respect to any major disaster de-
clared by the President under section 401 of 
the Robert T. Stafford Disaster Relief and 
Emergency Assistance Act (42 U.S.C. 5170) 
after the date of the determination, the author-
ity of the Administrator to waive debt under 
subsection (b) shall no longer be effective. 
SEC. 307. STATUTE OF LIMITATIONS FOR DEBTS OWED TO 
THE UNITED STATES RELATED TO DISASTER 
ASSISTANCE. 
Notwithstanding section 3716(g) of title 31, United 
States Code, and unless there is evidence of civil or crimi-
nal fraud, the Administrator, on behalf of the President, 
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shall not initiate new administrative action in any forum 
to recover— 
(1) payments made to an individual or house-
hold under section 408 of the Robert T. Stafford 
Disaster Relief and Emergency Assistance Act (42 
U.S.C. 5174) more than 3 years after the last date 
on which such payments were made; or 
(2) funds owed by an individual or household 
for assistance provided under section 408 of the 
Robert T. Stafford Disaster Relief and Emergency 
Assistance Act (42 U.S.C. 5174) more than 3 years 
after the last date on which such funds were deter-
mined to be owed. 
SEC. 308. TECHNICAL ASSISTANCE AND RECOMMENDA-
TIONS. 
(a) TECHNICAL ASSISTANCE.—The Administrator of 
the Federal Emergency Management Agency shall provide 
technical assistance to a common interest community that 
provides essential services of a governmental nature on ac-
tions that a common interest community may take in 
order to be eligible to receive reimbursement from a grant-
ee that receives funds from the Agency for certain activi-
ties performed after an event that results in a disaster 
declaration. 
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(b) RECOMMENDATIONS.—Not later than 1 year 
after the date of enactment of this Act, the Administrator 
shall provide recommendations to the House Committee 
on Transportation and Infrastructure and the Senate 
Committee on Homeland Security and Governmental Af-
fairs on how common areas of condominiums and housing 
cooperatives may be eligible for assistance, including any 
progress the Agency has made in its explorations of this 
issue and the potential challenges identified since the 
Agency issued its report on May 22, 2014. 
SEC. 309. LOCAL IMPACT. 
In making recommendations to the President regard-
ing a major disaster declaration, the Administrator shall 
give greater weight and consideration to severe localized 
impact. Further, the Administrator shall make cor-
responding adjustments to the Agency’s policies and regu-
lations. Not later than 1 year after the date of enactment 
of this section, the Administrator shall report to the Com-
mittees on Transportation and Infrastructure of the 
House of Representatives and the Committee on Home-
land Security and Governmental Affairs of the Senate on 
the changes made to regulations and policies and the num-
ber of declarations that have been declared based on the 
new criteria. 
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SEC. 310. PROOF OF INSURANCE. 
A State shall be deemed to have proven that an appli-
cant has satisfied the purchase of insurance requirements 
under the Robert T. Stafford Disaster Relief and Emer-
gency Assistance Act (42 U.S.C. 5121 et. seq.) when an 
encumbrance requiring the purchase and maintenance of 
insurance has been placed on the title of the property re-
ceiving the benefit of the grant or assistance. This section 
in no way removes or reduces the insurance requirements 
on an applicant under the Act and in no way limits the 
requirement that assistance provided under the Stafford 
Act be reduced or eliminated when the requirements are 
not met. 
SEC. 311. AUTHORITIES. 
The Federal Emergency Management Agency shall 
not, pursuant to consultation with another Federal agency 
or otherwise, expand its statutory authorities as they re-
late to floodplain management or floodplain mapping un-
less the requirement to do so is explicitly and specifically 
stated in statute, nor shall the Agency’s authorities be 
construed to impute the privately-funded actions of private 
parties on private land to such Agency for the purpose 
of extending the requirements of any Federal law applica-
ble to Federal agencies to such actions. 
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