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Financial Institution Letter
Flood Insurance

SUBJECT: Proposed Standard Hazard Determination Form

The Flood Insurance Reform Act of 1994 mandates the Federal Emergency Management Agency (FEMA) to develop a Standard Flood Hazard Determination Form (SFHDF), which all lenders will be required to use to document whether real property offered as collateral on a loan is or is not located in a special flood hazard area. The Act requires the Federal Deposit Insurance Corporation, as well as other federal regulatory entities, to enforce use of the form by supervised institutions.

Notice of the proposed form was published for comment in the Federal Register on April 7, 1995, and is attached. FDIC-supervised institutions are encouraged to review and comment on the proposed form, paying particular attention to the Instructions for filling it out and the burden estimate indicated in the "Paperwork Burden Disclosure Notice."

Written comments on the proposed form will be accepted by FEMA through May 8, 1995. Comments should be sent to FEMA at the address provided in the attachment.

Paul L. Sachtleben


Distribution: FDIC-Supervised Banks (Commercial and Savings)

Last Updated: April 14, 1995