,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #ahdb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #g1 #bjac ,mr4   
,cumm+s 7= himself1 ,mr4 ,mi*aud1 ,mr4  
,smi? ( ,wa%+ton1 ,mrs4 ,davis (        
,cali=nia1 ,mr4 ,takano1 & ,mr4 ,ti]ney7
 introduc$ ! foll[+ bill2 :i* 0 ref]r$  
to ! ,committee on ,vet]ans' ,affairs   
,a ,,bill  ,to am5d ! ,s]vicememb]s     
,civil ,relief ,act to improve !        
protections = s]vicememb]s1 surviv+     
sp\ses1 & disabl$ vet]ans aga9/ mortgage
 =eclosures1 & = o!r purposes4  #a4     
,%ort title ,?is ,act may be cit$ z !   
,milit>y ,family ,home ,protection ,act4
  #b4 ,mortgage protection = memb]s ( ! 
,arm$ ,=ces1 surviv+ sp\ses1 & c]ta9    
vet]ans  7a7 ,memb]s ( ! ,arm$ ,=ces1   
surviv+ sp\ses1 & c]ta9 disabl$ vet]ans 
7#a7 ,9 g5]al ,title ,,iii ( !          
,s]vicememb]s ,civil ,relief ,act 7#ej  
,u4,s4,c4 ,app4 #eja et seq47 is am5d$  
by ins]t+ aft] section #cjc ! foll[+ new
 section3  #cjc;,a4 ,mortgages & tru/   
de$s ( c]ta9 s]vicememb]s1 surviv+      

sp\ses1 & disabl$ vet]ans  7a7 ,mortgage
 z ,security ,?is section applies only  
to an obligation on real or p]sonal     
prop]ty own$ by a cov]$ individual t--  
7#a7 orig9at$ at any "t & = :i* ! cov]$ 
individual is /ill obligat$2 &  7#b7 is 
secur$ by a mortgage1 tru/ de$1 or o!r  
security 9 ! nature ( a mortgage4  7b7  
,/ay ( ,proce$+s  7#a7 ,9 g5]al ,9      
accordance ) subsection 7d77#a71 9 a    
judicial action p5d+ or 9 a nonjudicial 
action comm5c$ dur+ a cov]$ "t p]iod to 
en=ce an obligation describ$ 9          
subsection 7a71 a c\rt--  7,a7 may1 aft]
 a he>+ & on its own motion1 /ay !      
proce$+s until ! end ( ! cov]$ "t p]iod2
 &  7,b7 %all1 ^u application by a cov]$
 individual1 /ay ! proce$+s until ! end 
( ! cov]$ "t p]iod4  7#b7 ,obligation to
 /op proce$+s ,^u receipt ( notice      
provid$ "u subsection 7d77#a71 a        
mortgagee1 tru/ee1 or o!r cr$itor seek+ 
to =eclose on real prop]ty secur$ by an 
obligation cov]$ by ?is section us+ any 
judicial or nonjudicial proce$+s %all   

imm$iately /op any su* proce$+ until !  
end ( ! cov]$ "t p]iod4  7c7 ,sale or   
,=eclosure ,a sale1 judicial or         
nonjudicial =eclosure1 or seizure (     
prop]ty = a brea* ( an obligation       
describ$ 9 subsection 7a7 t is n /ay$ "u
 subsection 7b7 %all n be valid dur+ a  
cov]$ "t p]iod except--  7#a7 ^u a c\rt 
ord] grant$ be=e su* sale1 judicial or  
nonjudicial =eclosure1 or seizure ) a   
return made & approv$ by ! c\rt2 or     
7#b7 if made pursuant to an agreem5t z  
provid$ 9 section #ajg4  7d7 ,notice    
requir$  7#a7 ,9 g5]al ,to be cov]$ "u  
?is section1 a cov]$ individual %all    
provide to ! mortgagee1 tru/ee1 or o!r  
cr$itor writt5 notice t su* individual  
is s cov]$4  7#b7 ,mann] ,writt5 notice 
"u p>agraph 7#a7 may be provid$         
electronically4  7#c7 ,"t ,notice       
provid$ "u p>agraph 7#a7 %all be provid$
 dur+ ! cov]$ "t p]iod4  7#d7 ,cont5ts  
,) respect to a s]vicememb] describ$ 9  
subsection 7g77#a77;,a71 notice %all    
include--  7,a7 a copy ( ! s]vicememb]'s

 (ficial milit>y ord]s1 or any          
notification1 c]tification1 or          
v]ification f a s]vicememb]'s comm&+    
(fic] t provides evid5ce ( s]vicememb]'s
 eligibility = special pay z describ$ 9 
subsection 7g77#a77;,a72 or  7,b7 an    
(ficial notice us+ a =m design$ "u      
p>agraph 7#e74  7#e7 ,(ficial =ms  7,a7 
,9 g5]al ,! ,secret>y ( ,def5se %all    
design & di/ribute an (ficial ,dep>tm5t 
( ,def5se =m t c be us$ by an individual
 to give notice "u p>agraph 7#a74  7,b7 
,use ( (ficial =m n requir$ ,failure by 
any individual to use a =m design$ or   
di/ribut$ "u subp>agraph 7,a7 to provide
 notice %all n make su* provision (     
notice invalid4  7e7 ,aggregate duration
 ,! aggregate duration = :i* a cov]$    
individual 7except a s]vicememb]        
describ$ 9 subsection 7g77#a77;,a77 may 
be cov]$ "u ?is section is "o ye>4  7f7 
,misdemeanor ,a p]son :o kn[+ly makes or
 causes to be made a sale1 =eclosure1 or
 seizure ( prop]ty t is prohibit$ by    
subsection 7c71 or :o kn[+ly attempts to

 d s1 %all be f9$ z provid$ 9 title #ah1
 ,unit$ ,/ates ,code1 or imprison$ = n m
 ?an "o ye>1 or bo?4  7g7 ,def9itions ,9
 ?is section3  7#a7 ,cov]$ individual ,!
 t]m cov]$ individual means ! foll[+    
individuals3  7,a7 ,a s]vicememb] :o is 
or 0 eligible = ho/ile fire or imm95t   
dang] special pay "u section #caj (     
title #cg1 ,unit$ ,/ates ,code1 dur+ a  
p]iod ( milit>y s]vice4  7,b7 ,a        
s]vicememb] plac$ on convalesc5t /atus1 
includ+ a s]vicememb] transf]r$ to !    
tempor>y disability retir$ li/ "u       
section #abjb or #abje ( title #aj1     
,unit$ ,/ates ,code4  7,c7 ,a vet]an :o 
0 m$ically dis*>g$ & retir$ "u *apt] #fa
 ( title #aj1 ,unit$ ,/ates ,code1      
except = a vet]an describ$ 9 section    
#abjg ( su* title4  7,d7 ,a surviv+     
sp\se 7z def9$ 9 section #aja7c7 ( title
 #ch1 ,unit$ ,/ates ,code1 & 9          
accordance ) section #ajc ( su* title7 (
 a s]vicememb] :o di$ :ile 9 milit>y    
s]vice if su* sp\se is ! successor 9    
int]e/ to prop]ty cov]$ "u subsection   

7a74  7#b7 ,cov]$ "t p]iod ,! t]m cov]$ 
"t p]iod means ! foll[+ "t p]iods3  7,a7
 ,) respect to a s]vicememb] :o is or 0 
eligible = ho/ile fire or imm95t dang]  
special pay "u section #caj ( title #cg1
 ,unit$ ,/ates ,code1 dur+ a p]iod (    
milit>y s]vice1 dur+ ! p]iod beg9n+ on !
 fir/ day on :i* ! s]vicememb] is or 0  
eligible = su* special pay dur+ su*     
p]iod ( milit>y s]vice & end+ on ! date 
t is "o ye> aft] ! la/ day ( su* p]iod (
 milit>y s]vice4  7,b7 ,) respect to a  
s]vicememb] describ$ 9 p>agraph         
7#a77;,b71 dur+ ! "o-ye> p]iod beg9n+ on
 ! date on :i* ! s]vicememb] is plac$ on
 convalesc5t /atus or transf]r$ to !    
tempor>y disability retir$ li/ "u       
section #abjb or #abje ( title #aj1     
,unit$ ,/ates ,code4  7,c7 ,) respect to
 a vet]an describ$ 9 p>agraph 7#a77;,c71
 dur+ ! "o-ye> p]iod beg9n+ on ! date ( 
! retirem5t ( su* vet]an4  7,d7 ,)      
respect to a surviv+ sp\se ( a          
s]vicememb] z describ$ 9 p>agraph       
7#a77;,d71 dur+ ! "o-ye> p]iod beg9n+ on

 ! date on :i* ! sp\se receives notice (
 ! dea? ( ! s]vicememb]4  4  7#b7       
,cl]ical am5dm5t ,! table ( cont5ts 9   
section #a7;b7 ( su* ,act is am5d$ by   
ins]t+ aft] ! item relat+ to section    
#cjc ! foll[+ new item3  ,sec4 #cjc;,a4 
,mortgages & tru/ de$s ( c]ta9          
s]vicememb]s1 surviv+ sp\ses1 & disabl$ 
vet]ans4  4  7#c7 ,con=m+ am5dm5t       
,section #ajg ( ! ,s]vicememb]s ,civil  
,relief ,act 7#ej ,u4,s4,c4 ,app4 #eag7 
is am5d$ by add+ at ! end ! foll[+3  7e7
 ,o!r individuals ,= purposes ( ?is     
section1 ! t]m s]vicememb] includes any 
cov]$ individual "u section #cjc;,a4  4 
7b7 ,increas$ civil p5alties = mortgage 
violations ,p>agraph 7#c7 ( section     
#hja7;b7 ( ! ,s]vicememb]s ,civil       
,relief ,act 7#ej ,u4,s4,c4 ,app4       
#eig7;b77#c77 is am5d$ to read z foll[s3
  7#c7 to v9dicate ! public int]e/1     
assess a civil p5alty--  7,a7 ) respect 
to a violation ( section #bjg1 #cjc1 or 
#cjc;,a reg>d+ real prop]ty--  7i7 9 an 
am\nt n exce$+ #aaj1jjj = a fir/        

violation2 &  7ii7 9 an am\nt n exce$+  
#bbj1jjj = any subsequ5t violation2 &   
7,b7 ) respect to any o!r violation (   
?is ,act--  7i7 9 an am\nt n exce$+     
#ee1jjj = a fir/ violation2 &  7ii7 9 an
 am\nt n exce$+ #aaj1jjj = any subsequ5t
 violation4  4  7c7 ,cr$it discrim9ation
 ,section #ajh ( su* ,act 7#ej ,u4,s4,c4
 ,app4 #eah7 is am5d$--  7#a7 by /rik+  
,application by & ins]t+ 7a7            
,application or receipt4--,application  
by2 &  7#b7 by add+ at ! end ! foll[+   
new subsection3  7b7 ,eligibility ,9    
addition to ! protections "u subsection 
7a71 an individual :o is entitl$ to any 
"r or protection provid$ "u ?is ,act may
 n be d5i$ or refus$ cr$it or be subject
 to any o!r action describ$ "u p>agraphs
 7#a7 ?r\gh 7#f7 ( subsection 7a7 solely
 by reason ( su* entitlem5t4  4  7d7    
,effective date ,section #cjc;,a ( !    
,s]vicememb]s ,civil ,relief ,act1 z    
add$ by subsection 7a71 & ! am5dm5ts    
made by ?is section1 %all take effect on
 ! date t is #ij days aft] ! date ( !   

enactm5t ( ?is ,act4  #c4 ,treatm5t (   
relocation = active duty = purposes (   
mortgage ref9anc+  7a7 ,9 g5]al ,title  
,,iii ( ! ,s]vicememb]s ,civil ,relief  
,act 7#ej ,u4,s4,c4 ,app4 #eca et seq47 
is am5d$ by ins]t+ aft] section #cjc;,a1
 z add$ by section #a7;a77#a71 ! foll[+ 
new section3  #cjc;,b4 ,treatm5t (      
relocation = active duty = purposes (   
mortgage ref9anc+  7a7 ,treatm5t (      
abs5ce f resid5ce due to active duty    
7#a7 ,9 g5]al ,subject to p>agraph 7#b71
 if1 at any "t t a s]vicememb] :o is !  
mortgagor "u an exi/+ mortgage does n   
reside 9 ! resid5ce t secures ! exi/+   
mortgage because ( relocation describ$ 9
 subsection 7c77#a77;,b71 su*           
s]vicememb] inquires ab\t or applies = a
 cov]$ ref9anc+ mortgage1 su*           
s]vicememb] %all be1 = all purposes     
relat+ to ! cov]$ ref9anc+ mortgage1    
includ+ su* inquiry or application &    
eligibility = & compliance ) any        
und]writ+ crit]ia & /&>ds reg>d+ su*    
cov]$ ref9anc+ mortgage1 consid]$ to    

occupy ! resid5ce t secures ! exi/+     
mortgage to be paid or prepaid by su*   
cov]$ ref9anc+ mortgage z ! pr9cipal    
resid5ce ( ! s]vicememb] dur+ ! p]iod ( 
any su* relocation4  7#b7 ,limitation   
,p>agraph 7#a7 %all n apply ) respect to
 a s]vicememb] at any "t if1 dur+ !     
five-ye> p]iod prec$+ su* "t1 !         
s]vicememb] ent]$ into a cov]$ ref9anc+ 
mortgage pursuant to ?is section4  7b7  
,mortgages orig9at$ be=e p]iod milit>y  
s]vice ,if a cov]$ ref9anc+ mortgage is 
ent]$ into pursuant to ?is section )    
respect to an exi/+ mortgage t orig9at$ 
be=e ! p]iod ( ! s]vicememb]'s milit>y  
s]vice1 su* cov]$ ref9anc+ mortgage %all
 be deem$ to be an obligation t orig9at$
 be=e ! p]iod ( ! s]vicememb]'s milit>y 
s]vice & = :i* ! s]vicememb] is /ill    
obligat$ = purposes ( section           
#cjc7;a77#a74  7c7 ,def9itions ,9 ?is   
section3  7#a7 ,exi/+ mortgage ,! t]m   
exi/+ mortgage means a mortgage t is    
secur$ by a #a- to #d-;family resid5ce1 
includ+ a condom9ium or a %>e 9 a       

coop]ative own]%ip h\s+ association1 t 0
 ! pr9cipal resid5ce ( a s]vicememb] = a
 p]iod t--  7,a7 _h a duration ( #ac    
consecutive mon?s or long]2 &  7,b7 end$
 ^u ! relocation ( ! s]vicememb] caus$  
by ! s]vicememb] receiv+ milit>y ord]s =
 a p]man5t *ange ( /ation or to deploy )
 a milit>y unit1 or z an individual 9   
support ( a milit>y op]ation1 = a p]iod 
( n less ?an #ij days t did n all[ !    
s]vicememb] to cont9ue to occupy su*    
resid5ce z a pr9cipal resid5ce4  7#b7   
,cov]$ ref9anc+ mortgage ,! t]m cov]$   
ref9anc+ mortgage means any mortgage--  
7,a7 t is made = ! purpose ( pay+ or    
prepay+1 & ext+ui%+1 ! out/&+           
obligations "u an exi/+ mortgage or     
mortgages2 &  7,b7 t is secur$ by ! same
 resid5ce t secur$ su* exi/+ mortgage or
 mortgages4  4  7b7 ,cl]ical am5dm5t ,! 
table ( cont5ts = su* ,act is am5d$ by  
ins]t+ aft] ! item relat+ to section    
#cjc;,a ! foll[+ new item3  ,sec4       
#cjc;,b4 ,treatm5t ( relocation = active
 duty = purposes ( mortgage ref9anc+4  4

  #d4 ,requirem5ts = l5d+ in/itutions t 
are cr$itors = obligations & liabilities
 cov]$ by ! ,s]vicememb]s ,civil ,relief
 ,act ,section #bjg ( ! ,s]vicememb]s   
,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4
 #ebg7 is am5d$--  7#a7 by r$esignat+   
subsections 7d7 & 7e7 z subsections 7e7 
& 7f71 respectively2 &  7#b7 by ins]t+  
aft] subsection 7c7 ! foll[+ new        
subsection 7d73  7d7 ,l5d+ in/itution   
requirem5ts  7#a7 ,compliance (fic]s    
,ea* l5d+ in/itution subject to !       
requirem5ts ( ?is section %all designate
 an employee ( ! in/itution z a         
compliance (fic] :o is responsible =    
ensur+ ! in/itution's compliance ) ?is  
section & = di/ribut+ in=mation to      
s]vicememb]s ^: obligations &           
liabilities are cov]$ by ?is section4   
7#b7 ,toll-free telephone numb] ,dur+   
any fiscal ye>1 a l5d+ in/itution       
subject to ! requirem5ts ( ?is section t
 _h annual assets = ! prec$+ fiscal ye> 
( #aj1jjj1jjj1jjj or m %all ma9ta9 a    
toll-free telephone numb] & %all make   

su* telephone numb] available on !      
prim>y ,int]net website ( ! in/itution4 
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