,i #aacth ,,congress #ast ,session ,h4 ,r4 #adii ,,in ,,the ,,house ,,of ,,representatives ,april #aa1 #bjac ,mr4 ,jeffries 7for himself1 ,mr4 ,grimm1 and ,mr4 ,crowley7 introduced the following bill2 which was referred to the ,committee on ,financial ,services ,a ,,bill ,to ensure that homeowners who have mortgages insured by the ,,fha1 or owned or guaranteed by ,fannie ,mae or ,freddie ,mac1 and whose homes are located in major disaster areas are notified of any forbearance relief in connection with such disaster that is offered or recommended by the ,,fha1 the ,federal ,housing ,finance ,agency1 the ,federal ,national ,mortgage ,association1 or the ,federal ,home ,loan ,mortgage ,corporation1 and for other purposes4 #a4 ,short title ,this ,act may be cited as the ,disaster-,affected ,homeowners ,notification ,act of #bjac4 #b4 ,requirement to notify affected homeowners of mortgage relief 7a7 ,requirement ,if1 in connection with any major disaster declared pursuant to section #dja of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eagj71 the ,secretary of ,housing and ,urban ,development1 the ,director of the ,federal ,housing ,finance ,agency1 the ,federal ,national ,mortgage ,association1 or the ,federal ,home ,loan ,mortgage ,corporation makes available forbearance relief with respect to any covered mortgage1 or any such agency head or enterprise issues any notice or guidelines to mortgagees or servicers recommending or requiring such relief1 the applicable agency head shall-- 7#a7 provide1 to each mortgagor under a covered mortgage1 direct notification in accordance with subsection 7b7 of such relief made available1 required1 or recommended2 and 7#b7 provide1 for areas subject to such disaster declaration1 community-wide notification in accordance with the guidelines issued under subsection 7c7 of such relief made available1 required1 or recommended4 7b7 ,direct notification ,direct notification in accordance with this subsection is notification to the mortgagor under a covered mortgage-- 7#a7 7,a7 made by a telephone call to the mortgagor or by mail to the residence subject to the mortgage2 and 7,b7 by such other method of direct contact as may be provided in the guidelines issued pursuant to subsection 7e72 and 7#b7 that clearly informs the mortgagor-- 7,a7 that the mortgage is a covered mortgage2 7,b7 of the forbearance relief made available1 required1 or recommended2 7,c7 of any moratorium on foreclosure with respect to covered mortgages2 and 7,d7 of how to obtain more information regarding such relief4 7c7 ,community-,wide notification and awareness measures ,the applicable agency heads shall1 pursuant to subsection 7e71 issue guidelines regarding measures designed to provide notice and awareness of any forbearance relief made available1 required1 or recommended in connection with a major disaster throughout the areas subject to such disaster declaration4 ,such guidelines may include requirements regarding the types of notification measures1 such as town hall meetings1 public service announcements1 public advertisements and the types of media used to convey such advertisements1 and flyers and other community notices4 7d7 ,definitions ,for purposes of this section1 the following definitions shall apply3 7#a7 ,applicable agency head ,the term applicable agency head means-- 7,a7 the ,secretary1 with respect to a covered mortgage described in paragraph 7#b77;,b77i72 and 7,b7 the ,director1 with respect to a covered mortgage described in paragraph 7#b77;,b77ii74 7#b7 ,covered mortgage ,the term covered mortgage means1 with respect to any major disaster declared pursuant to section #dja of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #eagj71 a mortgage-- 7,a7 that is secured by a one- to four-family dwelling that-- 7i7 is the principal residence of the mortgagor2 and 7ii7 is located within an area for which such major disaster was declared2 and 7,b7 that is-- 7i7 insured under title ,,ii of the ,national ,housing ,act 7#ab ,u4,s4,c4 #agjg et seq472 or 7ii7 owned or guaranteed by the ,federal ,national ,mortgage ,association or the ,federal ,home ,loan ,mortgage ,corporation4 ,any delinquency or default under a mortgage shall not affect the status of such mortgage as a covered mortgage4 7#c7 ,director ,the term ,director means the ,director of the ,federal ,housing ,finance ,agency4 7#d7 ,forbearance relief ,the term forbearance relief means1 with respect to a mortgage1 any suspension or reduction of payments due under the mortgage1 in any form and to any extent4 7#e7 ,mortgagee ,the term mortgagee means1 with respect to a covered mortgage1 the original lender under the mortgage and any affiliates1 agents1 subsidiaries1 successors1 or assignees of such lender1 any subsequent purchaser1 trustee1 or transferee of the mortgage or credit instrument issued by such lender4 7#f7 ,secretary ,the term ,secretary means the ,secretary of ,housing and ,urban ,development4 7e7 ,guidelines ,not later than the expiration of the #cj-;day period beginning on the date of the enactment of this ,act1 the ,secretary and the ,director shall jointly issue guidelines to carry out this section4 7f7 ,applicability ,this ,act shall apply with respect to any major disaster declared pursuant to section #dja of the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act in connection with ,hurricane ,sandy and any major disaster declared thereafter4