I 
116TH CONGRESS 
1ST SESSION H. R. 3146 
To provide for the monthly installment payment of premiums for coverage 
under the National Flood Insurance Program, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JUNE 5, 2019 
Mr. DAVID SCOTT of Georgia (for himself and Mr. DUFFY) introduced the 
following bill; which was referred to the Committee on Financial Services 
A BILL 
To provide for the monthly installment payment of premiums 
for coverage under the National Flood Insurance Pro-
gram, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Fair Flood Insurance 
Act of 2019’’. 
SEC. 2. MONTHLY INSTALLMENT PAYMENT OF PREMIUMS. 
(a) AUTHORITY.—Subsection (g) of section 1308 of 
the National Flood Insurance Act of 1968 (42 U.S.C. 
4015(g)) is amended— 
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(1) by striking the subsection designation and 
all that follows through ‘‘With respect’’ and insert-
ing the following: 
‘‘(g) FREQUENCY OF PREMIUM COLLECTION.— 
‘‘(1) OPTIONS.—With respect’’; and 
(2) by adding at the end the following: 
‘‘(2) MONTHLY
INSTALLMENT
PAYMENT
OF 
PREMIUMS.— 
‘‘(A) EXEMPTION
FROM
RULEMAKING.— 
Until such time as the Administrator promul-
gates regulations implementing paragraph (1) 
of this subsection, the Administrator may adopt 
policies and procedures, notwithstanding any 
other provisions of law and in alignment and 
consistent with existing industry escrow and 
servicing standards, necessary to implement 
such paragraph without undergoing notice and 
comment rulemaking and without conducting 
regulatory analyses otherwise required by stat-
ute, regulation, or Executive order. 
‘‘(B) PILOT
PROGRAM.—The Adminis-
trator may initially implement paragraph (1) of 
this subsection as a pilot program that provides 
for a gradual phase-in of implementation. 
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‘‘(C) POLICYHOLDER
PROTECTION.—The 
Administrator may— 
‘‘(i) during the 12-month period be-
ginning on the date of the enactment of 
this paragraph, charge policyholders choos-
ing to pay premiums in monthly install-
ments a fee for the total cost of the month-
ly collection of premiums not to exceed $25 
annually; and 
‘‘(ii) after the expiration of the 12- 
month period referred to in clause (i), ad-
just the fee charged annually to cover the 
total cost of the monthly collection of pre-
miums as determined by the report sub-
mitted pursuant to subparagraph (D). 
‘‘(D) REPORT.—Not later than six months 
after the date of the enactment of this para-
graph, the Comptroller General shall submit a 
report to the Committee on Financial Services 
of the House of Representatives and the Com-
mittee on Banking, Housing, and Urban Affairs 
of the Senate, that sets forth all of the costs as-
sociated with the monthly payment of pre-
miums, including any up-front costs associated 
with infrastructure development, the impact on 
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all policyholders including those that exercise 
the option to pay monthly and those that do 
not, options for minimizing the costs, particu-
larly the costs to policyholders, and the feasi-
bility of adopting practices that serve to mini-
mize costs to policyholders such as automatic 
payments and electronic payments. 
‘‘(E) ANNUAL
REPORTS.—On an annual 
basis, the Administrator shall report to the 
Committee on Financial Services of the House 
of Representatives and the Committee on Bank-
ing, Housing, and Urban Affairs of the Senate 
the ongoing costs associated with the monthly 
payment of premiums.’’. 
(b) 
IMPLEMENTATION.—Clause 
(ii) 
of 
section 
1307(a)(1)(B) (42 U.S.C. 4014(a)(1)(B)(ii)) is amended 
by inserting before ‘‘any administrative expenses’’ the fol-
lowing: ‘‘the costs associated with the monthly collection 
of premiums provided for in section 1308(g) (42 U.S.C. 
4015(g)), but only if such costs exceed the operating costs 
and allowances set forth in clause (i) of this subparagraph, 
and’’. 
Æ 
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