Under the Disaster Mitigation Act of 2000, enacted on October 30, 2000, ("Act") the Individual and Family Grant Assistance Program is replaced by the Assistance to Individuals and Household Program ("IHP"). Under this interim final rule, SBA will implement its disaster loan program when the President declares a major disaster, or declares an emergency, and activates the IHP in an emergency disaster declaration. Under the Act, if the President declares a major disaster that includes, or is limited to, public assistance, a private nonprofit facility which provides non-critical services must first apply for disaster loan assistance from SBA before it could seek grant assistance for permanent repairs and/or replacements from the Federal Emergency Management Agency ("FEMA"). SBA is also implementing this legislative change, and is making certain technical changes.