,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #adii  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,april #aa1 #bjac ,mr4
 ,jeffries 7= himself1 ,mr4 ,grimm1 &   
,mr4 ,cr[ley7 introduc$ ! foll[+ bill2  
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to      
ensure t home[n]s :o h mortgages insur$ 
by ! ,,fha1 or own$ or gu>ante$ by      
,fannie ,mae or ,fr$die ,mac1 & ^: homes
 are locat$ 9 major disa/] areas are    
notifi$ ( any =be>ance relief 9         
connection ) su* disa/] t is (f]$ or    
recomm5d$ by ! ,,fha1 ! ,f$]al ,h\s+    
,f9ance ,ag5cy1 ! ,f$]al ,national      
,mortgage ,association1 or ! ,f$]al     
,home ,loan ,mortgage ,corporation1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,disa/]-,affect$       
,home[n]s ,notification ,act ( #bjac4   
#b4 ,requirem5t to notify affect$       
home[n]s ( mortgage relief  7a7         
,requirem5t ,if1 9 connection ) any     
major disa/] decl>$ pursuant to section 
#dja ( ! ,rob]t ,t4 ,/af=d ,disa/]      

,relief & ,em]g5cy ,assi/ance ,act 7#db 
,u4,s4,c4 #eagj71 ! ,secret>y ( ,h\s+ & 
,urban ,developm5t1 ! ,director ( !     
,f$]al ,h\s+ ,f9ance ,ag5cy1 ! ,f$]al   
,national ,mortgage ,association1 or !  
,f$]al ,home ,loan ,mortgage            
,corporation makes available =be>ance   
relief ) respect to any cov]$ mortgage1 
or any su* ag5cy head or ent]prise      
issues any notice or guidel9es to       
mortgagees or s]vic]s recomm5d+ or      
requir+ su* relief1 ! applicable ag5cy  
head %all--  7#a7 provide1 to ea*       
mortgagor "u a cov]$ mortgage1 direct   
notification 9 accordance ) subsection  
7b7 ( su* relief made available1        
requir$1 or recomm5d$2 &  7#b7 provide1 
= areas subject to su* disa/]           
decl>ation1 community-wide notification 
9 accordance ) ! guidel9es issu$ "u     
subsection 7c7 ( su* relief made        
available1 requir$1 or recomm5d$4  7b7  
,direct notification ,direct            
notification 9 accordance ) ?is         
subsection is notification to !         

mortgagor "u a cov]$ mortgage--  7#a7   
7,a7 made by a telephone call to !      
mortgagor or by mail to ! resid5ce      
subject to ! mortgage2 &  7,b7 by su*   
o!r me?od ( direct contact z may be     
provid$ 9 ! guidel9es issu$ pursuant to 
subsection 7e72 &  7#b7 t cle>ly in=ms !
 mortgagor--  7,a7 t ! mortgage is a    
cov]$ mortgage2  7,b7 ( ! =be>ance      
relief made available1 requir$1 or      
recomm5d$2  7,c7 ( any moratorium on    
=eclosure ) respect to cov]$ mortgages2 
&  7,d7 ( h[ to obta9 m in=mation reg>d+
 su* relief4  7c7 ,community-,wide      
notification & aw>5ess measures ,!      
applicable ag5cy heads %all1 pursuant to
 subsection 7e71 issue guidel9es reg>d+ 
measures design$ to provide notice &    
aw>5ess ( any =be>ance relief made      
available1 requir$1 or recomm5d$ 9      
connection ) a major disa/] ?r\gh\t !   
areas subject to su* disa/] decl>ation4 
,su* guidel9es may include requirem5ts  
reg>d+ ! types ( notification measures1 
su* z t[n hall meet+s1 public s]vice    

ann\ncem5ts1 public adv]tisem5ts & !    
types ( m$ia us$ to convey su*          
adv]tisem5ts1 & fly]s & o!r community   
notices4  7d7 ,def9itions ,= purposes ( 
?is section1 ! foll[+ def9itions %all   
apply3  7#a7 ,applicable ag5cy head ,!  
t]m applicable ag5cy head means--  7,a7 
! ,secret>y1 ) respect to a cov]$       
mortgage describ$ 9 p>agraph            
7#b77;,b77i72 &  7,b7 ! ,director1 )    
respect to a cov]$ mortgage describ$ 9  
p>agraph 7#b77;,b77ii74  7#b7 ,cov]$    
mortgage ,! t]m cov]$ mortgage means1 ) 
respect to any major disa/] decl>$      
pursuant to section #dja ( ! ,rob]t ,t4 
,/af=d ,disa/] ,relief & ,em]g5cy       
,assi/ance ,act 7#db ,u4,s4,c4 #eagj71 a
 mortgage--  7,a7 t is secur$ by a "o-  
to f\r-family dwell+ t--  7i7 is !      
pr9cipal resid5ce ( ! mortgagor2 &  7ii7
 is locat$ )9 an area = :i* su* major   
disa/] 0 decl>$2 &  7,b7 t is--  7i7    
insur$ "u title ,,ii ( ! ,national ,h\s+
 ,act 7#ab ,u4,s4,c4 #agjg et seq472 or 
7ii7 own$ or gu>ante$ by ! ,f$]al       

,national ,mortgage ,association or !   
,f$]al ,home ,loan ,mortgage            
,corporation4  ,any del9qu5cy or default
 "u a mortgage %all n affect ! /atus (  
su* mortgage z a cov]$ mortgage4  7#c7  
,director ,! t]m ,director means !      
,director ( ! ,f$]al ,h\s+ ,f9ance      
,ag5cy4  7#d7 ,=be>ance relief ,! t]m   
=be>ance relief means1 ) respect to a   
mortgage1 any susp5sion or r$uction (   
paym5ts due "u ! mortgage1 9 any =m & to
 any ext5t4  7#e7 ,mortgagee ,! t]m     
mortgagee means1 ) respect to a cov]$   
mortgage1 ! orig9al l5d] "u ! mortgage &
 any affiliates1 ag5ts1 subsidi>ies1    
successors1 or assignees ( su* l5d]1 any
 subsequ5t pur*as]1 tru/ee1 or transf]ee
 ( ! mortgage or cr$it in/rum5t issu$ by
 su* l5d]4  7#f7 ,secret>y ,! t]m       
,secret>y means ! ,secret>y ( ,h\s+ &   
,urban ,developm5t4  7e7 ,guidel9es ,n  
lat] ?an ! expiration ( ! #cj-;day p]iod
 beg9n+ on ! date ( ! enactm5t ( ?is    
,act1 ! ,secret>y & ! ,director %all    
jo9tly issue guidel9es to c>ry out ?is  

section4  7f7 ,applicability ,?is ,act  
%all apply ) respect to any major disa/]
 decl>$ pursuant to section #dja ( !    
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 9 connection ) 
,hurricane ,s&y & any major disa/]      
decl>$ !reaft]4