,,ii #aac? ,,congress #a/ ,session ,s4 #aegi ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,octob] #bh1 #bjac,mr4 ,s&]s 7= himself & ,mr4 ,rockefell]7 introduc$ ! foll[+ bill2 :i* 0 read twice & ref]r$ to ! ,committee on ,vet]ans' ,affairs ,a ,,bill ,to am5d ! ,s]vicememb]s ,civil ,relief ,act to improve ! protections provid$ to memb]s ( ! uni=m$ s]vices & _! families1 & = o!r purposes4 #a4 ,%ort title2 table ( cont5ts 7a7 ,%ort title ,?is ,act may be cit$ z ! ,,scra ,enhancem5t & ,improvem5t ,act ( #bjac4 7b7 ,table ( cont5ts ,! table ( cont5ts = ?is ,act is z foll[s3 ,sec4 #a4 ,%ort title2 table ( cont5ts4,,title ,i--,enhancem5t ( rights "u ,s]vicememb]s ,civil ,relief ,act,sec4 #aja4 ,ext5d$ p]iod ( protection "u in/allm5t contracts = pur*ase or lease4,sec4 #ajb4 ,modification ( p]iod det]m9+ :i* actions are cov]$ "u /ay ( proce$+s & adju/m5t ( obligation protections conc]n+ mortgages & tru/ de$s ( memb]s ( uni=m$ s]vices4,sec4 #ajc4 ,prohibition on collection ( p5alties = e>ly prepaym5t ( mortgage4,sec4 #ajd4 ,protections = memb]s ( uni=m$ s]vices reg>d+ pr(essional lic5ses4,sec4 #aje4 ,expansion ( protections = memb]s ( uni=m$ s]vices reg>d+ taxes respect+ real prop]ty occupi$ by bus9esses own$ by su* memb]s4,sec4 #ajf4 ,prohibition on d5ial ( cr$it because ( eligibility = protection4,,title ,,ii--,improvem5ts to ,s]vicememb]s ,civil ,relief ,act,sec4 #bja4 ,improv$ protection ( memb]s ( uni=m$ s]vices aga9/ default judgm5ts4,sec4 #bjb4 ,modification ( p]iod 9 :i* a waiv] ( a "r pursuant to a writt5 agreem5t may be made "u ,s]vicememb]s ,civil ,relief ,act4,sec4 #bjc4 ,cl>ification reg>d+ application ( en=cem5t au?ority ( ,attorney ,g5]al & private "r ( action "u ,s]vicememb]s ,civil ,relief ,act4,sec4 #bjd4 ,expansion ( protections relat+ to mortgages to include obligations on real or p]sonal prop]ty = :i* a s]vicememb] is p]sonally liable z a gu>antor or co-mak]4,,title ,,iii--,en=cem5t ( rights "u ,s]vicememb]s ,civil ,relief ,act,sec4 #cja4 ,election ( arbitration to resolve controv]sies "u ,s]vicememb]s ,civil ,relief ,act4,sec4 #cjb4 ,issuance & s]vice ( civil inve/igative dem&s by ,attorney ,g5]al "u ,s]vicememb]s ,civil ,relief ,act4,sec4 #cjc4 ,increase 9 civil p5alties = violation ( ,s]vicememb]s ,civil ,relief ,act4,,title ,,iv--,o!r matters,sec4 #dja4 ,cl]ical am5dm5ts4 ,i ,enhancem5t ( rights "u ,s]vicememb]s ,civil ,relief ,act #aja4 ,ext5d$ p]iod ( protection "u in/allm5t contracts = pur*ase or lease ,section #cjb7;a77#a7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ecb7;a77#a77 is am5d$1 9 ! matt] foll[+ subp>agraph 7,b71 by /rik+ or dur+ t p]son's milit>y s]vice & ins]t+ 1 dur+1 or )9 "o ye> aft] su* s]vicememb]'s p]iod ( milit>y s]vice4 #ajb4 ,modification ( p]iod det]m9+ :i* actions are cov]$ "u /ay ( proce$+s & adju/m5t ( obligation protections conc]n+ mortgages & tru/ de$s ( memb]s ( uni=m$ s]vices 7a7 ,9 g5]al ,section #cjc7;b7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ecc7;b77 is am5d$ by /rik+ fil$ & ins]t+ p5d+4 7b7 ,con=m+ am5dm5ts ,section #gaj7;d7 ( ! ,honor+ ,am]ica's ,vet]ans & ,c>+ = ,camp ,lejeune ,families ,act ( #bjab 7,public ,law #aab-aed2 #abf ,/at4 #abjh7 is am5d$-- 7#a7 by /rik+ p>agraph 7#a7 & ins]t+ ! foll[+ new p>agraph 7#a73 7#a7 ,sunset & revival 7,a7 ,9 g5]al ,subsections 7b7 & 7c7 ( section #cjc ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ecc71 z am5d$ by subsections 7a7 & 7b7 ( ?is section1 are am5d$ by /rik+ )9 "o ye> ea* place x appe>s & ins]t+ )9 #ij days4 7,b7 ,effective date ,! am5dm5ts made by subp>agraph 7,a7 %all take effect on ,janu>y #a1 #bjae4 2 & 7#b7 by /rik+ p>agraph 7#c74 #ajc4 ,prohibition on collection ( p5alties = e>ly prepaym5t ( mortgage ,section #bjc ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ebc7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7c7 ,prohibition on prepaym5t p5alties = c]ta9 mortgages 7#a7 ,9 g5]al ,:5 a s]vicememb] dis*>ges an obligation aris+ "u a mortgage contract & w\ld o!rwise !reby incur a prepaym5t p5alty1 su* p5alty %all n accrue if-- 7,a7 ! s]vicememb] is 9 milit>y s]vice at ! "t ! prepaym5t p5alty is incurr$2 & 7,b7 ! reason ! s]vicememb] dis*>ges ! obligation1 !reby incurr+ ! p5alty1 is mat]ially affect$ by su* milit>y s]vice4 7#b7 ,mat]ially affect+ milit>y s]vice ,= purposes ( p>agraph 7#a77;,b71 ! requirem5t t ! reason a s]vicememb] dis*>g$ a mortgage obligation1 !reby incurr+ a prepaym5t p5alty1 be mat]ially affect$ by milit>y s]vices requires-- 7,a7 t ! mortgage be secur$ by ! s]vicememb]'s prim>y resid5ce2 & 7,b7 t ! s]vicememb] receive p]man5t *ange ( /ation ord]s4 7#c7 ,relief1 co/s1 & attorney fees ,an assessm5t ( a p5alty 9 violation ( ?is subsection %all be consid]$ a violation ( ?is ,act = purposes ( title ,,viii4 4 #ajd4 ,protections = memb]s ( uni=m$ s]vices reg>d+ pr(essional lic5ses 7a7 ,9 g5]al ,title ,,vii ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #gja et seq47 is am5d$ by add+ at ! end ! foll[+ new section3 #gjg4 ,pr(essional lic5ses 7a7 ,expiration dur+ p]iod 9 :i* s]vicememb]s are eligible = ho/ile fire or imm95t dang] special pay ,if a lic5se issu$ by a ,/ate or local lic5s+ au?ority to a s]vicememb] w\ld o!rwise expire dur+ a p]iod 9 :i* su* s]vicememb] is eligible = ho/ile fire or imm95t dang] special pay "u section #caj ( title #cg1 ,unit$ ,/ates ,code1 su* ,/ate or local lic5s+ au?ority %all delay ! expiration ( su* lic5se until n e>li] ?an ! date t is #ahj days aft] ! date on :i* su* p]iod ( eligibility ends4 7b7 ,cont9u+ education requirem5ts dur+ p]iod 9 :i* s]vicememb]s are eligible = ho/ile fire or imm95t dang] special pay ,if a ,/ate or local lic5s+ au?ority o!rwise requires a s]vicememb] to meet any cont9u+ education requirem5ts to ma9ta9 a lic5se = a trade or pr(ession dur+ a p]iod 9 :i* su* s]vicememb] is eligible = ho/ile fire or imm95t dang] special pay "u section #caj ( title #cg1 ,unit$ ,/ates ,code1 su* ,/ate or local lic5s+ au?ority %all delay su* cont9u+ education requirem5t until n e>li] ?an ! date t is #ahj days aft] ! date on :i* su* p]iod ( eligibility ends4 4 7b7 ,cl]ical am5dm5t ,! table ( cont5ts 9 section #a7;b7 ( su* ,act 7#ej ,u4,s4,c4 ,app4 #eja7;b77 is am5d$ by ins]t+ aft] ! item relat+ to section #gjf ! foll[+ new item3 ,sec4 #gjg4 ,pr(essional lic5ses & c]tifications4 4 #aje4 ,expansion ( protections = memb]s ( uni=m$ s]vices reg>d+ taxes respect+ real prop]ty occupi$ by bus9esses own$ by su* memb]s 7a7 ,9 g5]al ,subsection 7a77#b7 ( section #eja ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #efa7 is am5d$ by /rik+ ! matt] be=e subp>agraph 7,a7 & ins]t+ ! foll[+3 7#b7 real prop]ty occupi$ = dwell+1 pr(essional1 trade1 bus9ess1 or agricultural purposes by a s]vicememb]1 ! s]vicememb]'s dep5d5ts or employees1 or a bus9ess :i* 7)\t reg>d to ! =m 9 :i* su* pr(ession1 trade1 bus9ess1 or agricultural op]ation is organiz$ or c>ri$ out7 is own$ entirely by a s]vicememb] or by a s]vicememb] & ! sp\se ( ! s]vicememb]-- 4 7b7 ,notice ,su* section is fur!r am5d$ by add+ at ! end ! foll[+ new subsection3 7f7 ,writt5 notice to tax+ au?orities ,9 ord] = real prop]ty own$ by a bus9ess :i* is own$ entirely by a s]vicememb] or by a s]vicememb] & ! sp\se ( ! s]vicememb] to be subject to ! protections provid$ 9 ?is section1 ! s]vicememb] %all provide to ! applicable tax+ au?ority writt5 notice & a copy ( ! milit>y ord]s call+ ! s]vicememb] to milit>y s]vice & any ord]s fur!r ext5d+ milit>y s]vice1 n lat] ?an #ahj days aft] ! date ( ! s]vicememb]'s t]m9ation or release f milit>y s]vice4 4 #ajf4 ,prohibition on d5ial ( cr$it because ( eligibility = protection ,section #ajh ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eah7 is am5d$-- 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 7#a7 ,9 g5]al ,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 7#b7 ,con/ruction ,no?+ 9 ?is subsection %all be con/ru$ to prohibit a l5d] f consid]+ all relevant factors1 o!r ?an ! entitlem5t ( an individual to a "r or protection provid$ "u ?is ,act1 9 mak+ a det]m9ation z to :e!r x is appropriate to ext5d cr$it4 4 ,,ii ,improvem5ts to ,s]vicememb]s ,civil ,relief ,act #bja4 ,improv$ protection ( memb]s ( uni=m$ s]vices aga9/ default judgm5ts 7a7 ,modification ( pla9tiff affidavit fil+ requirem5t 7#a7 ,9 g5]al ,p>agraph 7#a7 ( section #bja7;b7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eba7;b77 is am5d$-- 7,a7 by r$esignat+ subp>agraphs 7,a7 & 7,b7 z clauses 7i7 & 7ii71 respectively1 & ind5t+ su* clauses two ems to ! "r2 7,b7 9 ! matt] be=e clause 7i71 z r$esignat$ by subp>agraph 7,a71 by /rik+ ,9 any & ins]t+ ! foll[+3 7,a7 ,9 g5]al ,9 any 2 & 7,c7 by add+ at ! end ! foll[+ new subp>agraph 7,b73 7,b7 ,due dilig5ce ,be=e fil+ ! affidavit1 ! pla9tiff %all conduct a dilig5t & reasonable inve/igation to det]m9e :e!r or n ! def5dant is 9 milit>y s]vice1 includ+ a se>* ( available records ( ! ,dep>tm5t ( ,def5se & any o!r in=mation reasonably available to ! pla9tiff4 ,! affidavit %all set =? all /eps tak5 to det]m9e ! def5dant's milit>y /atus & %all h atta*$ copies ( ! records on :i* ! pla9tiff reli$ 9 draft+ ! affidavit4 4 7#b7 ,applicability ,p>agraph 7#a77;,b7 ( su* section1 z add$ by p>agraph 7#a71 %all apply ) respect to actions & proce$+s fil$ on or aft] ! date ( ! enactm5t ( ?is ,act4 7b7 ,appo9tm5t ( attorney ,to repres5t def5dant 9 milit>y s]vice ,p>agraph 7#b7 ( su* section 7#ej ,u4,s4,c4 ,app4 #eba7;b77 is am5d$-- 7#a7 by /rik+ ,if 9 an action & ins]t+ ! foll[+3 7,a7 ,9 g5]al ,if 9 an action 2 7#b7 9 subp>agraph 7,a71 z designat$ by p>agraph 7#a71 by /rik+ ,if an attorney & ins]t+ ! foll[+3 7,c7 ,limitations on appo9t$ attorney ,if an attorney 2 7#c7 by ins]t+ aft] subp>agraph 7,a71 z designat$ by p>agraph 7#a71 ! foll[+ new subp>agraph3 7,b7 ,due dilig5ce ,if ! c\rt appo9ts an attorney to repres5t ! def5dant-- 7i7 ! attorney %all conduct a dilig5t & reasonable inve/igation to det]m9e :e!r or n ! def5dant is 9 milit>y s]vice1 includ+ a se>* ( available records ( ! ,dep>tm5t ( ,def5se & any o!r in=mation reasonably available to ! attorney2 & 7ii7 ! pla9tiff %all submit to ! attorney su* in=mation z ! pla9tiff may h conc]n+ ! :]eab\ts or id5tity ( ! def5dant4 2 & 7#d7 by add+ at ! end ! foll[+ new subp>agraph3 7,d7 ,treatm5t ( attorneys fees ,! reasonable fees ( an attorney appo9t$ to repres5t a s]vicememb] %all be treat$ z co/s ( c\rt = c\rt co/ purposes1 unless ! cr$itor seeks relief f su* *>ges f ! c\rt4 4 #bjb4 ,modification ( p]iod 9 :i* a waiv] ( a "r pursuant to a writt5 agreem5t may be made "u ,s]vicememb]s ,civil ,relief ,act ,section #ajg7;a7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eag7 is am5d$ 9 ! ?ird s5t5ce by /rik+ dur+ or aft] ! s]vicememb]'s p]iod ( milit>y s]vice & ins]t+ aft] ! occurr5ce ( ! ev5t t gave rise to ! rights or protections to be waiv$4 #bjc4 ,cl>ification reg>d+ application ( en=cem5t au?ority ( ,attorney ,g5]al & private "r ( action "u ,s]vicememb]s ,civil ,relief ,act ,sections #hja & #hjb ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eig & #eig;a7 %all apply z if su* sections 7 includ$ 9 ! enactm5t ( ! ,soldi]s' & ,sailors' ,civil ,relief ,act ( #aidj 7#ed ,/at4 #aagh1 *apt] #hhh7 & includ$ 9 ! re/atem5t ( su* ,act 9 ,public ,law #ajh-ahi4 #bjd4 ,expansion ( protections relat+ to mortgages to include obligations on real or p]sonal prop]ty = :i* a s]vicememb] is p]sonally liable z a gu>antor or co-mak] ,section #cjc7;a7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ecc7 is am5d$1 9 ! matt] be=e p>agraph 7#a71 by ins]t+ or an obligation on real or p]sonal prop]ty = :i* a s]vicememb] is p]sonally liable z a gu>antor or co-mak] aft] by a s]vicememb]4 ,,iii ,en=cem5t ( rights "u ,s]vicememb]s ,civil ,relief ,act #cja4 ,election ( arbitration to resolve controv]sies "u ,s]vicememb]s ,civil ,relief ,act 7a7 ,9 g5]al ,section #ajb ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eab7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7d7 ,election ( arbitration 7#a7 ,cons5t ,requir$ ,not)/&+ any o!r provision ( law1 :5ev] a contract ) a s]vicememb] provides = ! use ( arbitration to resolve a controv]sy subject to a provision ( ?is ,act & aris+ out ( or relat+ to su* contract1 arbitration may be us$ to settle su* controv]sy only if1 aft] su* controv]sy arises1 all p>ties to su* controv]sy cons5t 9 writ+ to use arbitration to settle su* controv]sy4 7#b7 ,explanation requir$ ,n)/&+ any o!r provision ( law1 :5ev] arbitration is elect$ to settle a dispute pursuant to p>agraph 7#a71 ! arbitrator %all provide ! p>ties to su* contract ) a writt5 explanation ( ! factual & legal basis = any decision made by ! arbitrator 9 ! c\rse ( su* arbitration4 4 7b7 ,applicability ,subsection 7d7 ( su* section1 z add$ by subsection 7a71 %all apply ) respect to contracts ent]$ into1 am5d$1 alt]$1 modifi$1 r5ew$1 or ext5d$ aft] ! date ( ! enactm5t ( ?is ,act4 #cjb4 ,issuance & s]vice ( civil inve/igative dem&s by ,attorney ,g5]al "u ,s]vicememb]s ,civil ,relief ,act 7a7 ,9 g5]al ,section #hja ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eig7 is am5d$ by add+ at ! end ! foll[+3 7d7 ,issuance & s]vice ( civil inve/igative dem&s 7#a7 ,9 g5]al ,:5ev] ! ,attorney ,g5]al has reason to believe t any p]son may be 9 possession1 cu/ody1 or control ( any docum5t>y mat]ial relevant to an inve/igation "u ?is ,act1 ! ,attorney ,g5]al may1 be=e comm5c+ a civil action "u subsection 7a71 issue 9 writ+ & s]ve ^u su* p]son1 a civil inve/igative dem& requir+-- 7,a7 ! production ( su* docum5t>y mat]ial = inspection & copy+2 7,b7 t ! cu/odian ( su* docum5t>y mat]ial answ] 9 writ+ writt5 que/ions ) respect to su* docum5t>y mat]ial2 or 7,c7 ! production ( any comb9ation ( su* docum5t>y mat]ial or answ]s4 7#b7 ,false claims ,! provisions ( section #cgcc ( title #ca1 ,unit$ ,/ates ,code1 gov]n+ ! au?ority to issue1 use1 & en=ce civil inve/igative dem&s %all apply ) respect to ! au?ority to issue1 use1 & en=ce civil inve/igative dem&s "u ?is section1 except t1 = purposes ( apply+ su* section #cgcc-- 7,a7 ref]5ces to false claims law inve/igators or inve/igations %all be consid]$ ref]5ces to inve/igators or inve/igations "u ?is ,act2 7,b7 ref]5ces to int]rogatories %all be consid]$ ref]5ces to writt5 que/ions1 & answ]s to su* ne$ n be "u oa?2 7,c7 ! def9itions relat+ to false claims law %all n apply2 & 7,d7 provisions relat+ to qui tam relators %all n apply4 7#c7 ,annual report 7,a7 ,9 g5]al ,n lat] ?an "o ye> aft] ! date ( ! enactm5t ( ! ,,scra ,enhancem5t & ,improvem5t ,act ( #bjac & n less frequ5tly ?an once ea* ye> !reaft]1 ! ,attorney ,g5]al %all submit to ! ,committee on ,vet]ans' ,affairs ( ! ,s5ate & ! ,committee on ,vet]ans' ,affairs ( ! ,h\se ( ,repres5tatives a report on ! issuance ( civil inve/igative dem&s "u ?is subsection dur+ ! previ\s "o-ye> p]iod4 7,b7 ,elem5ts ,ea* report submitt$ "u subp>agraph 7,a7 %all include ! foll[+ = ! ye> cov]$ by ! report3 7i7 ,! numb] ( times t a civil inve/igative dem& 0 issu$ "u ?is subsection4 7ii7 ,= ea* civil inve/igative dem& issu$ "u ?is subsection ) respect to an inve/igation1 :e!r su* inve/igation result$ 9 a settlem5t or conviction4 4 7b7 ,effective date ,subsection 7d7 ( su* section1 z add$ by subsection 7a71 %all take effect on ! date ( ! enactm5t ( ?is ,act & %all apply ) respect to all violations ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eja et seq471 reg>dless ( :5 ! violations are alleg$ to h occurr$4 #cjc4 ,increase 9 civil p5alties = violation ( ,s]vicememb]s ,civil ,relief ,act 7a7 ,9 g5]al ,section #hja7;b77#c7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eig7;b77#c77 is am5d$-- 7#a7 9 subp>agraph 7,a71 by /rik+ #ee1jjj & ins]t+ #aaj1jjj2 & 7#b7 9 subp>agraph 7,b71 by /rik+ #aaj1jjj & ins]t+ #bbj1jjj4 7b7 ,effective date ,! am5dm5ts made by subsection 7a7 %all take effect on ! date t is #ahj days aft] ! date ( ! enactm5t ( ?is ,act & %all apply ) respect to violations ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #eja et seq47 t occur on or aft] su* date4 ,,iv ,o!r matt]s #dja4 ,cl]ical am5dm5ts 7a7 ,9 g5]al ,! head+ = section #cje ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 ,app4 #ece7 is am5d$ by /rik+ resid5tial or motor vehicle leases & ins]t+ leases ( premises occupi$ & motor vehicles us$4 7b7 ,table ( cont5ts ,! table ( cont5ts 9 section #a7;b7 ( su* ,act 7#ej ,u4,s4,c4 ,app4 #eja7;b77 is am5d$ by /rik+ ! item relat+ to section #cje & ins]t+ ! foll[+ new item3 ,sec4 #cje4 ,t]m9ation ( leases ( premises occupi$ & motor vehicles us$4 4