; and (2) in paragraph (3), by inserting , and the Administrator shall provide credits to the maximum number of communities practicable after under this program . 8. Participation studies (a) Federal entities for lending regulation (1) In general The Federal entities for lending regulation shall conduct an annual study regarding the rate at which persons who are subject to the mandatory purchase requirement are complying with that requirement. (2) Submission to Congress The Federal entities for lending regulation shall submit the result of each study conducted under paragraph (1) to the appropriate committees of Congress. (b) FEMA (1) In general The Administrator of the Federal Emergency Management Agency shall conduct an annual study regarding the rate at which individuals who live in areas that have not been identified, under the National Flood Insurance Act of 1968 ( 42 U.S.C. 4001 et seq.) or the Flood Disaster Protection Act of 1973 ( 42 U.S.C. 4002 et seq.), as having a special flood hazard participate in, or receive financial assistance under, the National Flood Insurance Program. (2) Submission to Congress The Administrator shall submit the result of each study conducted under paragraph (1) to the appropriate committees of Congress. (c) GAO (1) In general The Comptroller General of the United States shall conduct a study of the implementation and efficacy of the requirements of section 102 of the Flood Disaster Protection Act of 1973 ( 42 U.S.C. 4012a ). Such study shall at minimum consider the following questions: (A) How effectively do Federal agencies, regulated lending institutions, and Federal entities for lending regulation implement the requirements of section 102 of the Flood Disaster Protection Act of 1973? (B) Does the current implementation of Flood Disaster Protection Act of 1973 align with the congressional findings and purposes described in section 2(b) of such Act ( 42 U.S.C. 4002 )? (C) What is the current level of compliance with section 102? (D) What are the estimated historical impacts