; (B) an assessment of the factors contributing to any capacity constraints that are identified; and (C) recommendations for addressing those capacity constraints. (3) Report Not later than 180 days after the date of enactment of this Act, the Comptroller General shall submit a report on the study required by paragraph (1) to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives. (d) Study of Small Insurer Market Competitiveness (1) In general Not later than the expiration of the 12-month period beginning on the date of the enactment of this Act and every two years thereafter, the Secretary shall conduct a study of small insurers (as such term is defined by regulation by the Secretary) participating in the Program, and identify any competitive challenges small insurers face in the business interruption insurance marketplace, including— (A) changes to the market share, premium volume, and policyholder surplus of small insurers relative to large insurers; (B) how the business interruption insurance market for risk of public health emergencies differs between small and large insurers, and whether such a difference exists within other perils; (C) the impact of the Program’s availability on small insurers; (D) the effect of increasing the trigger amount for the Program under section 4(e)(1)(B) on small insurers; (E) the availability and cost of private reinsurance for small insurers