119 
SEC. 408. STUDY ON INCREASING PARTICIPATION. 
(a) IN GENERAL.—The Comptroller General of the 
United States shall conduct a study that proposes to ad-
dress, through programmatic and regulatory changes, how 
to increase participation in flood insurance coverage. 
(b) ISSUES.—In conducting the study under subsection 
(a), the Comptroller General shall consider the following: 
(1) Expanding participation in flood insurance 
coverage, beyond areas having special flood hazards, 
to areas of moderate or minimal flood hazard risk. 
(2) Automatically enrolling consumers in flood 
insurance while providing consumers the opportunity 
to decline enrollment. 
(3) Bundling flood insurance coverage that di-
versifies risk across all or multiple-peril forms. 
(c) DETERMINATIONS.—In conducting the study under 
subsection (a), the Comptroller General shall determine the 
following: 
(1) The percentage of properties with federally 
backed mortgages located in an area having special 
flood hazards that are covered by flood insurance that 
satisfies the requirement under section 102(b) of the 
Flood Disaster Protection Act of 1973 (42 U.S.C. 
4012a(b)). 
(2) The percentage of properties with federally 
backed mortgages located in the 500-year floodplain 
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that are covered by flood insurance that would satisfy 
the requirement described in paragraph (1) if that re-
quirement applied to such properties. 
(d) REPORT.—Not later than 18 months after the date 
of enactment of this Act, the Comptroller General of the 
United States shall submit a report on the study conducted 
under subsection (a) to the Committee on Financial Serv-
ices of the House of Representatives and the Committee on 
Banking, Housing, and Urban Affairs of the Senate. 
(e) DEFINITIONS.—For purposes of this section— 
(1) the term ‘‘500-year floodplain’’ has the mean-
ing given the term in section 100202(a) of the 
Biggert-Waters Flood Insurance Reform Act of 2012 
(40 U.S.C. 4004(a)); 
(2) the terms ‘‘Federal agency lender’’, ‘‘im-
proved real estate’’, and ‘‘regulated lending institu-
tion’’ have the meanings given such terms in section 
3(a) of the Flood Disaster Protection Act of 1973 (42 
U.S.C. 4003(a)); and 
(3) the term ‘‘property with a federally backed 
mortgage’’ means improved real estate or a mobile 
home securing a loan that was— 
(A) made by a regulated lending institution 
or Federal agency lender; or 
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(B) purchased by the Federal National 
Mortgage Association or the Federal Home Loan 
Mortgage Corporation. 
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Union Calendar No. 210 
116TH CONGRESS 
1ST SESSION 
H. R. 3167 
[Report No. 116–262, Part I] 
A BILL 
To reform and reauthorize the National Flood 
Insurance Program, and for other purposes. 
OCTOBER 28, 2019 
Reported from the Committee on Financial Services with 
an amendment 
OCTOBER 28, 2019 
Committee on Transportation and Infrastructure dis-
charged; committed to the Committee of the Whole 
House on the State of the Union and ordered to be 
printed 
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