,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #hba  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,febru>y #bf1 #bjac   
,mr4 ,grayson introduc$ ! foll[+ bill2  
:i* 0 ref]r$ to ! ,committee on         
,vet]ans' ,affairs  ,a ,,bill  ,to am5d 
! ,s]vicememb]s ,civil ,relief ,act to  
provide surviv+ sp\ses ) c]ta9          
protections relat+ to mortgages &       
mortgage =eclosures1 & = o!r purposes4  
#a4 ,expansion ( protections relat+ to  
mortgages & mortgage =eclosures =       
surviv+ sp\ses  7a7 ,protection =       
,surviv+ ,sp\se ,section #cjc ( !       
,s]vicememb]s ,civil ,relief ,act 7#ej  
,u4,s4,c4 ,app4 #ecc7 is am5d$ by add+  
at ! end ! foll[+ new subsection3  7e7  
,protection = ,surviv+ ,sp\se ,dur+ !   
five-ye> p]iod beg9n+ on ! date ( !     
enactm5t ( ?is subsection1 ) respect to 
a s]vicememb] :o dies :ile 9 milit>y    
s]vice & ^: dea? is s]vice-connect$1 ?is
 section %all apply to ! surviv+ sp\se (
 ! s]vicememb] if su* sp\se is !        
successor 9 int]e/ to prop]ty cov]$ "u  

subsection 7a74  4  7b7 ,effective date 
,subsection 7e7 ( section #cjc ( su*    
,act1 z add$ by subsection 7a71 %all    
apply to a surviv+ sp\se ( a s]vicememb]
 ^: dea? is on or aft] ! date ( !       
enactm5t ( ?is ,act4  #b4 ,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 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$+ fiscal ye> 
( #aj1jjj1jjj1jjj or m %all ma9ta9 a    
toll-free telephone numb] & %all make   
su* telephone numb] available on !      
prim>y ,int]net website ( ! in/itution4 
4  #c4 ,ext5sion ( p]iod ( protections =
 s]vicememb]s aga9/ mortgage =eclosures 
,section #gaj7;d7 ( ! ,honor+ ,am]ica's 
,vet]ans & ,c>+ = ,camp ,lejeune        
,families ,act ( #bjab 7,public ,law    
#aab-aed2 #ej ,u4,s4,c4 ,app4 #ecc note7
 is am5d$--  7#a7 9 p>agraph 7#a71 by   
/rik+ ,decemb] #ca1 #bjad & ins]t+      
,decemb] #ca1 #bjag2 &  7#b7 9 p>agraph 
7#c71 by /rik+ ,janu>y #a1 #bjae &      
ins]t+ ,janu>y #a1 #bjah4