,,ii #aad? ,,congress #b;d ,session ,s4 #bgai ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,m>* #ag1 #bjaf,mrs4 ,murray 7= h]self1 ,mr4 ,s&]s1 ,mr4 ,blum5?al1 ,mr4 ,durb91 & ,ms4 ,w>r57 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 ( #bjaf4 7b7 ,table ( cont5ts ,! table ( cont5ts = ?is ,act is z foll[s3 ,sec4 #a4 ,%ort title2 table ( cont5ts4 ,,title ,i--,/ud5t protection & debt relief ,sec4 #aja4 ,/ud5t protection & debt relief4 ,sec4 #ajb4 ,expansion ( protections conc]n+ all debts ( memb]s ( uni=m$ s]vices to cov] debt incurr$ dur+ & aft] p]iods ( milit>y s]vice4 ,sec4 #ajc4 ,improvem5ts conc]n+ limitations on rates ( int]e/ on debts ( memb]s ( uni=m$ s]vices4 ,sec4 #ajd4 ,requirem5t t /ud5t loan s]vic]s employ d$icat$ s]vicememb] s]vice repres5tatives4 ,sec4 #aje4 ,timely process+ by /ud5t loan s]vic]s ( reque/s submitt$ by s]vicememb]s4 ,sec4 #ajf4 ,requirem5ts applicable to /ud5t loan applications4 ,sec4 #ajg4 ,ret5tion by loan s]vic]s ( copies & record+s ( communications ) memb]s ( uni=m$ s]vices & vet]ans4 ,sec4 #ajh4 ,onl9e tool = evaluation ( /ud5t loan s]vic]s4 ,sec4 #aji4 ,assessm5t ( /ud5t loan s]vic]s4 ,sec4 #aaj4 ,def9itions4 ,,title ,,ii--,enhancem5t ( rights "u ,s]vicememb]s ,civil ,relief ,act ,sec4 #bja4 ,ext5d$ p]iod ( protection "u in/allm5t contracts = pur*ase or lease4 ,sec4 #bjb4 ,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 #bjc4 ,prohibition on collection ( p5alties = e>ly prepaym5t ( mortgage4 ,sec4 #bjd4 ,protections = memb]s ( uni=m$ s]vices reg>d+ pr(essional lic5ses4 ,sec4 #bje4 ,expansion ( protections = memb]s ( uni=m$ s]vices reg>d+ taxes respect+ real prop]ty occupi$ by bus9esses own$ by su* memb]s4 ,sec4 #bjf4 ,prohibition on d5ial ( cr$it because ( eligibility = protection4 ,sec4 #bjg4 ,t]m9ation ( television & ,int]net s]vice contracts4 ,sec4 #bjh4 ,gu>antee ( resid5cy ( dep5d5ts ( memb]s ( uni=m$ s]vices4 ,,title ,,iii--,improvem5ts to ,s]vicememb]s ,civil ,relief ,act ,sec4 #cja4 ,improv$ protection ( memb]s ( uni=m$ s]vices aga9/ default judgm5ts4 ,sec4 #cjb4 ,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 #cjc4 ,cl>ification reg>d+ application ( en=cem5t au?ority ( ,attorney ,g5]al & private "r ( action "u ,s]vicememb]s ,civil ,relief ,act4 ,sec4 #cjd4 ,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 ,,iv--,en=cem5t ( rights "u ,s]vicememb]s ,civil ,relief ,act ,sec4 #dja4 ,election ( arbitration to resolve controv]sies "u ,s]vicememb]s ,civil ,relief ,act4 ,sec4 #djb4 ,issuance & s]vice ( civil inve/igative dem&s by ,attorney ,g5]al "u ,s]vicememb]s ,civil ,relief ,act4 ,sec4 #djc4 ,increase 9 civil p5alties = violation ( ,s]vicememb]s ,civil ,relief ,act4 ,,title ,v--,o!r matt]s ,sec4 #eja4 ,transf] ( def9itions ( milit>y ord]s & cont95tal ,unit$ ,/ates4 ,sec4 #ejb4 ,cl]ical am5dm5ts4 ,i ,/ud5t protection & debt relief #aja4 ,/ud5t protection & debt relief 7a7 ,9 g5]al ,! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cija et seq47 is am5d$ by add+ at ! end ! foll[+ new title3 ,,ix ,/ud5t protection & debt relief #ija4 ,def9itions ,9 ?is title3 7#a7 ,s]vic] ,! t]m s]vic]1 ) respect to a /ud5t loan1 means a p]son :o-- 7,a7 dur+ a p]iod 9 :i* repaym5t ( ! /ud5t loan is requir$-- 7i7 receives s*$ul$ p]iodic paym5ts f ! borr[] or notification ( su* paym5ts2 & 7ii7 applies paym5ts to ! borr[]'s acc\nt pursuant to ! t]ms ( ! /ud5t loan or ( ! contract gov]n+ ! s]vic+ ( ! /ud5t loan2 7,b7 dur+ a p]iod :5 n paym5t is requir$ on ! /ud5t loan-- 7i7 ma9ta9s acc\nt records reg>d+ ! /ud5t loan2 & 7ii7 communicates ) ! borr[] reg>d+ ! /ud5t loan on behalf ( ! /ud5t loan's hold]2 or 7,c7 int]acts ) ! borr[]1 includ+ activities to help prev5t default on obligations aris+ f ! /ud5t loan1 conduct$ to facilitate activities describ$ 9 subp>agraph 7,a7 or 7,b74 7#b7 ,/ud5t loan ,! t]m /ud5t loan has ! mean+ giv5 su* t]m qualifi$ education loan 9 section #bba7;d7 ( ! ,int]nal ,rev5ue ,code ( #aihf4 #ijb4 ,cont9ual monitor+ by /ud5t loan s]vic]s ( /atus ( s]vicememb]s 7a7 ,9 g5]al ,ea* s]vic] ( a /ud5t loan t 0 issu$ by or gu>ante$ by ! ,f$]al ,gov]nm5t %all cont9u\sly monitor ! ,def5se ,manp[] ,data ,c5t]1 or any successor database1 = ! purpose ( cont9u\sly monitor+ ! duty /atus ( borr[]s :o are s]vicememb]s & comply+ ) ! requirem5ts ( ?is ,act4 7b7 ,policies & proc$ures ,monitor+ conduct$ "u subsection 7a7 %all be conduct$ 9 accordance ) su* policies & proc$ures z ! ,secret>y ( ,def5se may prescribe = purposes ( ?is section4 #ijc4 ,requirem5t t /ud5t loan s]vic]s expla9 d5ials ( b5efits & provide in/ruction = appeals process ,9 any case 9 :i* a s]vicememb] submits to ! s]vic] ( a /ud5t loan ( ! s]vicememb] an application = a b5efit "u ?is ,act or a notice to invoke a protection "u ?is ,act ) respect to su* /ud5t loan & ! s]vic] d5ies su* b5efit or det]m9es t su* protection is n applicable1 ! s]vic] %all provide ! s]vicememb] )-- 7#a7 a complete & cle> explanation ( ! reasons :y ! s]vic] d5i$ su* b5efit or det]m9$ su* protection is n applicable2 & 7#b7 a cle> & concise description ( ! actions t ! s]vicememb] may take-- 7,a7 to appeal su* d5ial or det]m9ation2 & 7,b7 to obta9 su* b5efit or invoke su* protection4 #ijd4 ,notification ( transf] or sale ( /ud5t loans 7a7 ,notification requir$ ,n lat] ?an #fj days be=e ! date t a s]vic] ( a /ud5t loan ( a s]vicememb] sells or transf]s su* /ud5t loan to ano!r p]son = s]vic+1 ! s]vic] ( su* loan %all submit to ! ,secret>y ( ,education1 ! ,director ( ! ,consum] ,f9ancial ,protection ,bureau1 & ! s]vicememb] a notice ( su* sale or transf]4 7b7 ,ret5tion ( limitations & protections ,9 any case 9 :i* a /ud5t loan describ$ 9 subsection 7a7 is sold or transf]r$ & ! sell] or transf]or ( ! /ud5t loan plac$ a limitation or protection on su* loan pursuant to a provision ( ?is ,act1 su* limitation or protection %all apply to su* /ud5t loan aft] sale or transf] )\t any action tak5 by ! s]vicememb]4 #ije4 ,=giv5ess ( /ud5t debt ( s]vicememb]s 7a7 ,=giv5ess ( /ud5t debt ( s]vicememb]s :o die 9 l9e ( duty :ile s]v+ on active duty ,^u ! dea? ( a s]vicememb] :o dies 9 l9e ( duty :ile s]v+ on active duty z a memb] ( ! ,arm$ ,=ces1 ea* /ud5t loan ( ! s]vicememb] is =giv54 7b7 ,=giv5ess ( ,f$]al /ud5t debt ^u s]vice-,connect$ dea? ,^u ! s]vice-connect$ dea? ( a s]vicememb]1 ! balance ( ea* /ud5t loan ( ! s]vicememb] gu>ante$ or issu$ by ! ,f$]al ,gov]nm5t is =giv54 7c7 ,s]vice-,connect$ def9$ ,9 ?is section1 ! t]m s]vice-connect$ has ! mean+ giv5 su* t]m 9 section #aja ( title #ch1 ,unit$ ,/ates ,code4 4 7b7 ,cl]ical am5dm5t ,section #a7;b7 ( su* ,act is am5d$ by add+ at ! end ! foll[+ new items3 ,,title ,,ix--,/ud5t protection & debt relief ,sec4 #ija4 ,def9itions4 ,sec4 #ijb4 ,cont9ual monitor+ by /ud5t loan s]vic]s ( /atus ( s]vicememb]s4 ,sec4 #ijc4 ,requirem5t t /ud5t loan s]vic]s expla9 d5ials ( b5efits & provide in/ruction = appeals process4 ,sec4 #ijd4 ,notification ( transf] or sale ( /ud5t loans4 ,sec4 #ije4 ,=giv5ess ( /ud5t debt ( s]vicememb]s4 4 #ajb4 ,expansion ( protections conc]n+ all debts ( memb]s ( uni=m$ s]vices to cov] debt incurr$ dur+ & aft] p]iods ( milit>y s]vice 7a7 ,application ( maximum rate ( int]e/ to all debts incurr$ by memb]s ( uni=m$ s]vices 7#a7 ,9 g5]al ,subsection 7a77#a7 ( section #bjg ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cicg7 is am5d$1 9 ! matt] be=e subp>agraph 7,a71 by /rik+ be=e ! s]vicememb] ent]s milit>y s]vice4 7#b7 ,con=m+ am5dm5t ,subsection 7b77#a7 ( su* section is am5d$-- 7,a7 by ins]t+ 1 z applicable1 aft] ext5d+ milit>y s]vice2 & 7,b7 by /rik+ 1 n lat] ?an #ahj days aft] ! date ( ! s]vicememb]'s t]m9ation or release f milit>y s]vice4 7#c7 ,cl]ical am5dm5ts 7,a7 ,section head+ ,section #bjg ( su* ,act 7#ej ,u4,s4,c4 #cicg7 is am5d$ by /rik+ be=e milit>y s]vice & ins]t+ by s]vicememb]s4 7,b7 ,table ( cont5ts ,! table ( cont5ts 9 section #a7;b7 ( su* ,act is am5d$ by /rik+ ! item relat+ to section #bjg & ins]t+ ! foll[+ new item3 ,sec4 #bjg4 ,maximum rate ( int]e/ on debts incurr$ by s]vicememb]s4 4 7b7 ,expansion ( protections reg>d+ mortgages & tru/ de$s ,section #cjc7;a7 ( su* ,act 7#ej ,u4,s4,c4 #ciec7;a77 is am5d$-- 7#a7 9 ! matt] be=e p>agraph 7#a71 by /rik+ s]vicememb] t-- & ins]t+ s]vicememb]--2 7#b7 9 p>agraph 7#a71 by /rik+ orig9at$ be=e ! p]iod ( ! s]vicememb]'s milit>y s]vice &2 & 7#c7 9 p>agraph 7#b71 by ins]t+ t be=e is secur$4 #ajc4 ,improvem5ts conc]n+ limitations on rates ( int]e/ on debts ( memb]s ( uni=m$ s]vices 7a7 ,modification ( maximum rate ( int]e/ ,section #bjg7;a7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cicg7;a771 z am5d$ by section #ajb7;a71 is fur!r am5d$-- 7#a7 9 p>agraph 7#a71 9 ! matt] be=e subp>agraph 7,a7-- 7,a7 by /rik+ ,limitation to #f p]c5t & ins]t+ ,9 g5]al2 7,b7 by /rik+ #f p]c5t p] ye> & ins]t+ ! rate specifi$ 9 p>agraph 7#d72 & 7,c7 by /rik+ #f p]c5t-- & ins]t+ ! rate specifi$ 9 p>agraph 7#d7--2 7#b7 9 p>agraph 7#b7-- 7,a7 by /rik+ int]e/ 9 excess ( #f p]c5t & ins]t+ excess int]e/2 & 7,b7 by /rik+ #f p]c5t p] ye> & ins]t+ ! rate specifi$ 9 p>agraph 7#d72 & 7#c7 by add+ at ! end ! foll[+ new p>agraph3 7#d7 ,maximum rate ,! rate specifi$ 9 ?is p>agraph is-- 7,a7 except z provid$ 9 subp>agraph 7,b71 ?ree p]c5t p] ye>2 & 7,b7 9 ! case ( a s]vicememb] :o1 dur+ a p]iod ( milit>y s]vice1 is eligible = special pay "u section #caj ( title #cg1 ,unit$ ,/ates ,code1 z]o p]c5t p] ye> = ! duration ( su* p]iod4 4 7b7 ,proc$ures = implem5tation ( maximum rate ( int]e/ 7#a7 ,proc$ures conc]n+ /ud5t debt ,section #bjg7;b7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cicg7;b771 z am5d$ by section #ajb7;a77#b71 is fur!r am5d$-- 7,a7 9 p>agraph 7#a71 by /rik+ ,9 ord] & ins]t+ ,except z provid$ 9 p>agraph 7#c77;,a71 9 ord]2 & 7,b7 by add+ at ! end ! foll[+ new p>agraph3 7#c7 ,/ud5t loans issu$ or gu>ante$ by ,f$]al ,gov]nm5t 7,a7 ,automatic application ( rate r$uction ,a s]vic] ( a /ud5t loan issu$ or gu>ante$ by ! ,f$]al ,gov]nm5t %all be consid]$ to h receiv$ writt5 notice conc]n+ ! /ud5t loan ( an individual & a copy ( milit>y ord]s1 z applicable1 "u p>agraph 7#a7 :5ev] ! ,def5se ,manp[] ,data ,c5t]1 or any successor database1 *anges ! duty /atus ( ! individual 9 su* a mann] z to indicate t debts ( ! individual are subject to ! rate limitation 9 subsection 7a74 7,b7 ,notice submitt$ by /ud5t loan s]vic]s to s]vicememb]s ,:5ev] a s]vic] ( a /ud5t loan ( a s]vicememb] issu$ or gu>ante$ by ! ,f$]al ,gov]nm5t =goes int]e/ on ! /ud5t loan pursuant to p>agraph 7#a7 ( subsection 7a7 or =gives int]e/ pursuant to p>agraph 7#b7 ( su* subsection1 ! s]vic] %all notify ! s]vicememb] (-- 7i7 ! action tak5 by ! s]vic]2 & 7ii7 su* rights z ! s]vicememb] may h "u ?is ,act or any o!r applicable provision ( law4 4 7#b7 ,uni=m applicability ( notice ,su* section is fur!r am5d$ by add+ at ! end ! foll[+ new p>agraph3 7#d7 ,uni=m applicability ( notice ,if a s]vicememb] provides a cr$itor writt5 notice & a copy ( milit>y ord]s pursuant p>agraph 7#a7 9 ord] to invoke a rate r$uction "u subsection 7a7 ) respect to a p>ticul> obligation or liability1 su* provision ( notice %all be consid]$ provision ( notice to ! cr$itor = purposes ( invok+ rate r$uctions "u subsection 7a7 = all obligations & liabilities ( ! s]vicememb] s]vic$1 own$1 or held by ! cr$itor4 4 #ajd4 ,requirem5t t /ud5t loan s]vic]s employ d$icat$ s]vicememb] s]vice repres5tatives 7a7 ,9 g5]al ,ea* s]vic] ( a /ud5t loan t 0 issu$ by or gu>ante$ by ! ,f$]al ,gov]nm5t %all employ at lea/ "o individual :o is d$icat$ to s]vic+ /ud5t loans ( s]vicememb]s & is kn[l$geable ab\t ! rights & b5efits to :i* memb]s ( ! uni=m$ s]vices are entitl$ "u ?is ,act1 ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cija et seq471 & any o!r provision ( law by virtue ( be+ a memb] ( ! uni=m$ s]vices4 7b7 ,tra9+ 7#a7 ,9 g5]al ,ea* s]vic] describ$ 9 subsection 7a7 %all ensure t ea* individual employ$ pursuant to subsection 7a7 is appropriately tra9$4 7#b7 ,/&>ds ,! ,secret>y ( ,education1 9 collaboration ) ! ,secret>y ( ,def5se1 ! ,secret>y ( ,vet]ans ,affairs1 & ! ,attorney ,g5]al1 may prescribe /&>ds = tra9+ requir$ by p>agraph 7#a74 7#c7 ,c]tification ,ea* s]vic] describ$ 9 subsection 7a7 %all c]tify to ! ,secret>y ( ,education & ! ,secret>y ( ,vet]ans ,affairs :e!r ! individual or individuals employ$ by ! s]vic] pursuant to subsection 7a7 h be5 appropriately tra9$ pursuant to p>agraph 7#a74 7c7 ,d$icat$ phone numb]s & ,int]net websites 7#a7 ,9 g5]al ,ea* s]vic] describ$ 9 subsection 7a7 %all e/abli% a d$icat$ phone numb] & ,int]net website or webpage-- 7,a7 by :i* s]vicememb]s c contact & receive assi/ance f ! individual or individuals ! s]vic] employs "u subsection 7a72 & 7,b7 f :i* s]vicememb]s c obta9 descriptions ( ! rights & b5efits to :i* s]vicememb]s are entitl$ "u ?is ,act4 7#b7 ,prom95t display ,ea* s]vic] describ$ 9 subsection 7a7 %all prom95tly display on m>ket+ mat]ials1 application docum5ts1 & ! ,int]net website ( ! s]vic] ! phone numb] & ! ,uni=m ,res\rce ,locator = ! ,int]net website e/abli%$ by ! p]son pursuant to p>agraph 7#a74 #aje4 ,timely process+ by /ud5t loan s]vic]s ( reque/s submitt$ by s]vicememb]s ,ea* s]vic] ( a /ud5t loan ( a s]vicememb] t 0 issu$ by or gu>ante$ by ! ,f$]al ,gov]nm5t %all ensure t ea* reque/ submitt$ to ! s]vic] by a s]vicememb] = a b5efit or protection "u ?is ,act1 ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cija et seq471 & any o!r applicable provision ( law is process$ by ! s]vic] be=e ! e>li] ( ! foll[+3 7#a7 ,! date t is #ad days aft] ! date t ! p]son receiv$ ! reque/ f ! s]vicememb]4 7#b7 ,su* date z ! ,secret>y ( ,education may prescribe4 #ajf4 ,requirem5ts applicable to /ud5t loan applications 7a7 ,inquiry ,ea* s]vic] ( a /ud5t loan %all inquire ( ea* applicant = a /ud5t loan f ! s]vic] if ! applicant = ! /ud5t loan or a cosign] ( ! /ud5t loan has ev] s]v$ 9 ! uni=m$ s]vices4 7b7 ,notice ( rights & monitor+ ( /atus ,= ea* applicant = a loan :o responds to an inquiry by a s]vic] "u subsection 7a7 t ! applicant or a cosign] has ev] s]v$ 9 ! uni=m$ s]vices1 ! s]vic] %all-- 7#a7 in=m ! applicant ( ! rights & protections t may be af=d$ to ! applicant or ! cosign] "u ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cija et seq47 & o!r applicable provisions ( law2 7#b7 make a p]man5t note ( ! applicant's or cosign]'s s]vice 9 ! uni=m$ s]vices2 & 7#c7 comm5ce monitor+ ! /atus ( ! applicant or cosign] pursuant to section #ija ( ! ,s]vicememb]s ,civil ,relief ,act1 z add$ by section #aja4 #ajg4 ,ret5tion by loan s]vic]s ( copies & record+s ( communications ) memb]s ( uni=m$ s]vices & vet]ans 7a7 ,ret5tion ,ea* s]vic] ( a /ud5t loan t 0 issu$ by or gu>ante$ by ! ,f$]al ,gov]nm5t %all reta91 = a p]iod ( n less ?an #e ye>s1 a copy or record+1 z applicable1 ( ea* communication betwe5 ! s]vic] & a memb] ( ! uni=m$ s]vices or a vet]an1 includ+ communications by phone1 ,int]net1 or po/4 7b7 ,availability ,ea* s]vic] ( a /ud5t loan t 0 issu$ by or gu>ante$ by ! ,f$]al ,gov]nm5t %all make available to ! ,secret>y ( ,education1 ! ,secret>y ( ,def5se1 ! ,secret>y ( ,vet]ans ,affairs1 ! ,attorney ,g5]al1 & ! ,director ( ! ,consum] ,f9ancial ,protection ,bureau1 ^u reque/1 ! communications copi$ or record$ "u subsection 7a74 #ajh4 ,onl9e tool = evaluation ( /ud5t loan s]vic]s 7a7 ,9 g5]al ,! ,director ( ! ,consum] ,f9ancial ,protection ,bureau %all e/abli% & make publicly available via ! ,int]net a database ( in=mation t memb]s ( ! uni=m$ s]vices & vet]ans c use to evaluate s]vic]s ( /ud5t loans ( memb]s ( ! uni=m$ s]vices or vet]ans4 7b7 ,cont5ts ,! database requir$ by subsection 7a7 %all include ! foll[+3 7#a7 ,compla9ts conc]n+1 or reviews reg>d+1 s]vices provid$ by s]vic]s describ$ subsection 7a74 7#b7 ,assessm5ts ( ! compliance ( su* s]vic]s ) ! requirem5ts ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cija et seq474 7#c7 ,su* o!r in=mation z ! ,director consid]s appropriate to help memb]s ( ! uni=m$ s]vices & vet]ans to evaluate s]vic]s z describ$ 9 subsection 7a74 #aji4 ,assessm5t ( /ud5t loan s]vic]s 7a7 ,9 g5]al ,n lat] ?an ! date t is #c ye>s aft] ! date ( ! enactm5t ( ?is ,act1 ! ,secret>y ( ,education & ! ,director ( ! ,consum] ,f9ancial ,protection ,bureau %all ea*-- 7#a7 complete a /ati/ically valid assessm5t ( ea* s]vic] ( a /ud5t loan ( a memb] ( ! uni=m$ s]vices issu$ by or gu>ante$ by ! ,f$]al ,gov]nm5t2 7#b7 develop a plan = ! ov]sight ( su* s]vic]s2 7#c7 develop su* recomm5dations = legislative & adm9i/rative actions z ! ,secret>y & ! ,director ea* consid] appropriate2 & 7#d7 submit to ! appropriate committees ( ,congress a report on-- 7,a7 ! assessm5t conduct$ "u p>agraph 7#a72 7,b7 ! plan develop$ "u p>agraph 7#b72 7,c7 ! recomm5dations develop$ "u p>agraph 7#c72 & 7,d7 su* o!r matt]s z ! ,secret>y & ! ,director ea* consid] appropriate4 7b7 ,elem5ts ,ea* assessm5t ( a s]vic] requir$ by subsection 7a77#a7 %all include ! foll[+3 7#a7 ,an assessm5t ( ! compliance ( ! s]vic] ) ! provisions ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cija et seq471 z am5d$ by ?is ,act4 7#b7 ,an assessm5t ( ! satisfaction ( memb]s ( ! uni=m$ s]vices ) ! s]vices provid$ by su* s]vic] ) respect to _! /ud5t loans s]vic$ by ! s]vic]4 7#c7 ,a qualitative evaluation ( ! cu/om] s]vice provid$ by ! s]vic] ) respect to /ud5t loans ( memb]s ( ! uni=m$ s]vices s]vic$ by ! s]vic]4 7#d7 ,a detail$ description ( ! me?odology us$ to c>ry out ! assessm5t4 7c7 ,appropriate committees ( ,congress def9$ ,9 ?is section1 ! t]m appropriate committees ( ,congress means-- 7#a7 ! ,committee on ,vet]ans' ,affairs & ! ,committee on ,heal?1 ,education1 ,labor1 & ,p5sions ( ! ,s5ate2 & 7#b7 ! ,committee on ,vet]ans' ,affairs & ! ,committee on ,education & ! ,work=ce ( ! ,h\se ( ,repres5tatives4 #aaj4 ,def9itions ,9 ?is title3 7#a7 ,s]vic] & /ud5t loan ,! t]ms s]vic] & /ud5t loan h ! mean+s giv5 su* t]ms 9 section #ija ( ! ,s]vicememb]s ,civil ,relief ,act1 z add$ by section #aja ( ?is title4 7#b7 ,uni=m$ s]vices ,! t]m uni=m$ s]vices has ! mean+ giv5 su* t]m 9 section #aja7;a7 ( title #aj1 ,unit$ ,/ates ,code4 ,,ii ,enhancem5t ( rights "u ,s]vicememb]s ,civil ,relief ,act #bja4 ,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 #cieb7;a77#a77 is am5d$1 9 ! matt] foll[+ subp>agraph 7,b71 by /rik+ or dur+ t p]son's milit>y s]vice & ins]t+ 1 dur+1 or )9 "o ye> aft] su* s]vicememb]'s p]iod ( milit>y s]vice4 #bjb4 ,modification ( p]iod det]m9+ :i* actions are cov]$ "u /ay ( proce$+s & adju/m5t ( obligation protections conc]n+ mortgages & tru/ de$s ( memb]s ( uni=m$ s]vices ,section #cjc7;b7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #ciec7;b77 is am5d$ by /rik+ fil$ & ins]t+ p5d+4 #bjc4 ,prohibition on collection ( p5alties = e>ly prepaym5t ( mortgage ,section #bjc ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cicc7 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 #bjd4 ,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 #djba 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 #cija7;b77 is am5d$ by ins]t+ aft] ! item relat+ to section #gjf ! foll[+ new item3 ,sec4 #gjg4 ,pr(essional lic5ses & c]tifications4 4 #bje4 ,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 #ciia7 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 #bjf4 ,prohibition on d5ial ( cr$it because ( eligibility = protection ,section #ajh ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #ciai7 is am5d$-- 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$it4 4 #bjg4 ,t]m9ation ( television & ,int]net s]vice contracts 7a7 ,9 g5]al ,section #cje;,a ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cief7 is am5d$-- 7#a7 by ins]t+ 1 television1 & ,int]net aft] telephone2 7#b7 9 subsection 7b71 by /rik+ or telephone ex*ange s]vice ins]t+ 1 telephone ex*ange s]vice1 cable television s]vice1 satellite television s]vice1 or ,int]net s]vice aft] cellul> telephone s]vice2 & 7#c7 9 subsection 7c71 by ins]t+ = cellul> telephone s]vice or telephone ex*ange s]vice aft] case ( a contract4 7b7 ,cl]ical am5dm5t ,section #a7;b7 ( su* ,act is am5d$ by /rik+ ! item relat+ to section #cje;,a & ins]t+ ! foll[+ new item3 ,sec4 #cje;,a4 ,t]m9ation ( telephone1 television1 & ,int]net s]vice contracts4 4 #bjh4 ,gu>antee ( resid5cy ( dep5d5ts ( memb]s ( uni=m$ s]vices 7a7 ,9 g5]al ,section #gje7;b7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #djbe7;b77 is am5d$-- 7#a7 9 ! matt] be=e p>agraph 7#a71 by /rik+ a p]son & all t foll[s ?r\gh t abs5ce & ins]t+ a dep5d5t ( a s]vicememb] :o is abs5t f a ,/ate because ! s]vicememb] is abs5t f t same ,/ate 9 compliance ) milit>y ord]s %all n1 solely by reason ( abs5ce1 :e!r or n accompany+ ! s]vicememb]2 & 7#b7 9 p>agraph 7#a71 by /rik+ ! p]son & ins]t+ ! dep5d5t4 7b7 ,cl]ical am5dm5ts ,su* ,act 7#ej ,u4,s4,c4 #cija et seq47 is am5d$-- 7#a7 9 section #gje 7#ej ,u4,s4,c4 #djbe7-- 7,a7 9 ! section head+ my /rik+ sp\ses & ins]t+ dep5d5ts2 & 7,b7 9 ! head+ = subsection 7b71 by /rik+ ,sp\ses & ins]t+ ,dep5d5ts2 & 7#b7 9 ! table ( sections 9 section #a 7#ej ,u4,s4,c4 #cija71 by /rik+ ! item relat+ to section #gje & ins]t+ ! foll[+ new item3 ,sec4 #gje4 ,gu>antee ( resid5cy = milit>y p]sonnel & dep5d5ts ( milit>y p]sonnel4 4 ,,iii ,improvem5ts to ,s]vicememb]s ,civil ,relief ,act #cja4 ,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 #cica7;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 #cica7;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$itor seeks relief f su* *>ges f ! c\rt4 4 #cjb4 ,modification ( p]iod 9 :i* a waiv] ( a "r pursuant to a writt5 agreem5t may be made "u ,s]vicememb]s ,civil ,relief ,act ,section #ajg7;a7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #ciah7;a77 is am5d$ 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$4 #cjc4 ,cl>ification reg>d+ application ( en=cem5t au?ority ( ,attorney ,g5]al & private "r ( action "u ,s]vicememb]s ,civil ,relief ,act ,sections #hja & #hjb ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #djda & #djdb7 %all apply z if su* sections 7 includ$ 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 #cjd4 ,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 #ciec7;a77 is am5d$1 9 ! matt] be=e p>agraph 7#a71 by ins]t+ or an obligation on real or p]sonal prop]ty = :i* a s]vicememb] is p]sonally liable z a gu>antor or co-mak] aft] by a s]vicememb]4 ,,iv ,en=cem5t ( rights "u ,s]vicememb]s ,civil ,relief ,act #dja4 ,election ( arbitration to resolve controv]sies "u ,s]vicememb]s ,civil ,relief ,act 7a7 ,9 g5]al ,section #ajb ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #ciab7 is am5d$ 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$ ,not)/&+ 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 #djb4 ,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 #djda7 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 ( #bjaf & 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 #cija et seq471 reg>dless ( :5 ! violations are alleg$ to h occurr$4 #djc4 ,increase 9 civil p5alties = violation ( ,s]vicememb]s ,civil ,relief ,act 7a7 ,9 g5]al ,section #hja7;b77#c7 ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #djda7;b77#c77 is am5d$-- 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 #cija et seq47 t occur on or aft] su* date4 ,v ,o!r matt]s #eja4 ,transf] ( def9itions ( milit>y ord]s & cont95tal ,unit$ ,/ates 7a7 ,transf] ( def9itions ,! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #cija et seq47 is am5d$ by transf]r+ p>agraphs 7#a7 & 7#b7 ( section #cje7;i7 7#ej ,u4,s4,c4 #ciee7;i77 to ! end ( section #aja 7#ej ,u4,s4,c4 #ciaa7 & r$esignat+ su* p>agraphs1 z s transf]r$1 z p>agraphs 7#aj7 & 7#aa74 7b7 ,con=m+ am5dm5ts ,su* ,act is fur!r am5d$-- 7#a7 9 section #cje 7#ej ,u4,s4,c4 #ciee71 z am5d$ by subsection 7a71 by /rik+ subsection 7i72 & 7#b7 9 section #gje7;a7 7#ej ,u4,s4,c4 #djbe7;a771 9 ! matt] be=e p>agraph 7#a71 by /rik+ or naval4 #ejb4 ,cl]ical am5dm5ts 7a7 ,9 g5]al ,! head+ = section #cje ( ! ,s]vicememb]s ,civil ,relief ,act 7#ej ,u4,s4,c4 #ciee7 is am5d$ by /rik+ resid5tial or motor vehicle leases & ins]t+ leases ( premises occupi$ & motor vehicles us$4 7b7 ,table ( cont5ts ,! table ( cont5ts 9 section #a7;b7 ( su* ,act 7#ej ,u4,s4,c4 #cija7;b77 is am5d$ by /rik+ ! item relat+ to section #cje & ins]t+ ! foll[+ new item3 ,sec4 #cje4 ,t]m9ation ( leases ( premises occupi$ & motor vehicles us$4 4