; and (ii) after the expiration of the 12-month period referred to in clause (i), adjust the fee charged annually to cover the total cost of the monthly collection of premiums as determined by the report submitted pursuant to subparagraph (D). (D) 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 Banking, 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) of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4014(a)(1)(B)(ii) ) is amended by inserting before any administrative expenses the following: 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 . 105. State revolving loan funds for low-interest loans Chapter I of the National Flood Insurance Act of 1968 ( 42 U.S.C. 4011 et seq.) is amended by adding at the end the following new section: 1326. State revolving loan funds for low-interest loans (a) Definitions In this section— (1) the term Community Rating System means the community rating system carried out under section 1315(b); (2) the term eligible State means a State, the District of Columbia, and the Commonwealth of Puerto Rico; (3) the term insular area means— (A) Guam; (B) American Samoa; (C) the Commonwealth of the Northern Mariana Islands; (D) the Federated States of Micronesia; (E) the Republic of the Marshall Islands; (F) the Republic of Palau; and (G) the United States Virgin Islands; (4) the term intended use plan means a plan prepared under subsection (d)(1); (5) the term low-income geographic area means an area described in paragraph (1) or (2) of section 301(a) of the Public Works and Economic Development Act of 1965 ( 42 U.S.C. 3161(a) )