; (2) in subclause (VI), by striking the period and inserting , or ; and (3) by adding at the end the following: (VII) such person’s benefits under this title, title II, or title VIII are certified for payment to a representative payee during the period for which the individual’s benefits would be certified for payment to another person. . (d) Effective date (1) New appointments Subject to paragraph (2), the amendments made by this section shall apply with respect to any individual appointed to serve as a representative payee under title II, title VIII, or title XVI of the Social Security Act on or after January 1, 2019. (2) Prior appointments With respect to individuals serving as a representative payee whose benefits under this title, title VIII, or title XVI are certified for payment to another representative payee as of January 1, 2019, the Commissioner shall take any steps necessary to terminate such individual’s service as a representative payee as soon as possible, but no later than January 1, 2024. 204. Reassessment of payee selection and replacement policies (a) In general The Commissioner of Social Security shall conduct, with opportunity for public comment, a review and reassessment of— (1) the appropriateness of its order of preference for selecting representative payees, including payees who may be creditors of the beneficiary or who are private, for-profit institutions; and (2) the effectiveness of its policy and operational procedures in properly determining when to change a representative payee, including— (A) from a payee that has a higher order of preference (such as a family member) to a payee that has a lower order of preference (such as a creditor)