Duplications of Benefits Victims Relief Act

This bill allows the President to waive the general prohibition against duplicate disaster assistance for individuals, businesses, and states affected by major disasters or emergencies. It requires the President to consider FEMA recommendations, cost-effectiveness, equity, and public policy when deciding on waivers, and mandates a decision within 45 days. The waiver process explicitly prohibits applying income limits to eligibility and prevents treating loans as duplications if used for disaster-related losses. It also requires FEMA to submit reports to Congress on improving disaster assistance coordination and communication within one year of enactment. The bill applies to disasters declared on or after January 1, 2016.