,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #cieh  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #be1 #bjai,ms4  
,wat]s 7= h]self1 ,mrs4 ,c>olyn ,b4     
,maloney ( ,new ,york1 ,mr4 ,clay1 ,ms4 
,tlaib1 ,mr4 ,fo/]1 & ,mr4 ,cleav]7     
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to make necess>y re=ms to      
improve compliance ) loss mitigation    
requirem5ts by s]vic]s ( mortgages =    
s+le family h\s+ insur$ by ! ,,fha & to 
prev5t =eclosures on ,,fha borr[]s1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,,fha ,=eclosure       
,prev5tion ,act ( #bjai4  #b4           
,docum5tation ( loss mitigation ef=ts   
,subsection 7a7 ( section #bjd ( !      
,national ,h\s+ ,act 7#ab ,u4,s4,c4     
#agaj7;a77 is am5d$ by add+ at ! end !  
foll[+ new p>agraph3  7#aj7             
,docum5tation ( loss mitigation ef=ts   
,not)/&+ any o!r provision ( ?is title1 
! ,secret>y may n pay insurance b5efits 
to any mortgagee ( a s+le family        

mortgage insur$ "u ?is ,act unless !    
mortgagee or o!r s]vic] = ! mortgage has
 provid$ docum5tation to ! ,secret>y t  
is suffici5t to demon/rate compliance ) 
any requirem5ts ( ! ,secret>y applicable
 to su* mortgage relat+ to loss         
mitigation4 ,?is p>agraph may n be      
con/ru$ to limit ! au?ority ( !         
,secret>y to impose civil monet>y       
p5alties4  4  #c4 ,,hud ov]sight (      
s]vic]s ,section #ecc ( ! ,national     
,h\s+ ,act 7#ab ,u4,s4,c4 #agce;f-#aa7  
is am5d$ by add+ at ! end ! foll[+ new  
subsection3  7d7 ,ov]sight ( mortgage   
s]vic]s  7#a7 ,ov]sight  7,a7 ,9 g5]al  
,! ,secret>y %all conduct ov]sight (    
s]vic]s ( s+le family mortgages insur$  
"u ?is ,act on a regul> & ongo+ basis & 
9 a mann] design$ to ensure t su*       
s]vic]s comply ) ! requirem5ts ( ?is    
,act & ! /&>ds & guidel9es e/abli%$ by !
 ,secret>y = s]vic+ ( su* mortgages & to
 id5tify sy/emic problems & tr5ds ) su* 
compliance4  7,b7 ,loss mitigation      
requirem5ts ,su* ov]sight %all include  

ov]sight design$ to ensure t su* s]vic]s
 comply ) ! requirem5ts "u ?is ,act1 & !
 /&>ds & guidel9es e/abli%$ by !        
,secret>y1 = loss mitigation1 & %all    
include appropriate sampl+ & review (   
su* s]vic] compliance1 includ+ direct   
in=mation collection ?r\gh g5]ally      
accept$ means f borr[]s ^: files 7      
sampl$1 su* z surveys1 focus gr\ps1     
int]view1 or o!r simil> measures4  7#b7 
,corrective action ,! ,secret>y %all    
take su* actions z may be necess>y to   
rem$y failures by s]vic]s ( s+le family 
mortgages insur$ "u ?is ,act to comply )
 ! requirem5ts ( ?is ,act & ! /&>ds &   
guidel9es e/abli%$ by ! ,secret>y =     
s]vic+ ( su* mortgages1 includ+ ord]+   
non-compliant s]vic]s to take corrective
 actions1 includ+ b>r+ =eclosure &      
cancell+ f ! borr[]s acc\nt balance & f 
any insurance claim any int]e/ & o!r    
fees t accru$ dur+ p]iods (             
noncompliance4  4  #d4 ,compla9t        
proc$ure reg>d+ loss mitigation ,title  
,v ( ! ,national ,h\s+ ,act 7#ab        

,u4,s4,c4 #agca;a et seq47 is am5d$ by  
add+ at ! end ! foll[+ new section3     
#edc4 ,compla9t proc$ure reg>d+ loss    
mitigation  7a7 ,compla9t proc$ure =    
borr[]s  7#a7 ,features ,! ,secret>y    
%all e/abli% & ma9ta9 a proc$ure =      
mortgagors "u s+le family mortgages     
insur$ "u ?is ,act to regi/] compla9ts )
 ! ,secret>y reg>d+ s]vic+1 includ+ loss
 mitigation actions1 :i* %all include   
mak+ available to ! public a website ( !
 ,dep>tm5t1 an e-mail address1 a phone  
numb]1 & a mail+ address = su* purpose4 
,su* proc$ure %all provide an           
opportunity = s]vic]s to respond to su* 
compla9ts & submit in=mation reg>d+     
compla9ts4  7#b7 ,attempt to resolve ,= 
ea* compla9t regi/]$ "u ! proc$ure      
e/abli%$ pursuant to ?is subsection1 !  
,secret>y %all review ! compla9t & any  
response by ! s]vic] & %all seek to     
resolve any dispute betwe5 ! mortgagor &
 ! s]vic] & make a det]m9ation ) reg>d  
to compla9t4  7#c7 ,use ( in=mation ,9  
mak+ any det]m9ations reg>d+ s]vic]s'   

compliance ) ! requirem5ts1 /&>ds1 &    
guidel9es = s]vic+1 includ+ 9 id5tify+  
sy/emic problems & tr5ds ) s]vic+1 !    
,secret>y %all take into consid]ation   
in=mation obta9$ "u ! compla9t proc$ure 
"u ?is subsection4  7b7 ,notification ( 
opportunity ,to appeal ,^u mak+ a       
det]m9ation ) respect to a compla9t1 !  
,secret>y %all notify ! compla9ant ( su*
 det]m9ation1 ( ! opportunity = !       
compla9ant to appeal an adv]se          
det]m9ation "u ! proc$ure e/abli%$      
pursuant to subsection 7a71 & !         
requirem5ts = & h[ to initiate su* an   
appeal4  7c7 ,appeals proc$ure  7#a7    
,e/abli%m5t ,! ,secret>y %all provide a 
proc$ure = mortgagors to appeal an      
adv]se det]m9ation by ! ,secret>y reg>d+
 a compla9t regi/]$ "u ! proc$ure       
e/abli%$ pursuant to subsection 7a71 &1 
if appropriate1 may take action pursuant
 to section #ecc7;d77#b7 pursuant to a  
decision on su* an appeal4  7#b7        
,limitation ,! ,secret>y %all provide t 
! proc$ure e/abli%$ pursuant to ?is     

subsection may n provide an appeal = any
 compla9t t 0 previ\sly appeal$ "u su*  
proc$ure4  7d7 ,prohibition on =eclosure
 ,! ,secret>y %all prohibit ! =eclosure 
( a mortgage dur+ any p]iod t a compla9t
 or appeal reg>d+ su* mortgage is p5d+  
"u ! proc$ures e/abli%$ pursuant to ?is 
section & dur+ a reasonable p]iod aft] a
 compla9ant is notifi$ ( a det]m9ation  
reg>d+ a compla9t t provides !          
compla9ant an opportunity to appeal su* 
decision4  7e7 ,report+ ,! ,secret>y    
%all submit a report to ! ,congress     
annually reg>d+ compla9ts receiv$ "u !  
proc$ure ma9ta9$ pursuant to subsection 
7a71 :i* %all specify ! numb] (         
compla9ts receiv$1 disaggregat$ by types
 ( compla9ts1 /atus ( compla9ts1        
geographic di/ribution ( compla9ts1 &   
av]age times = resolution ( compla9ts1  
%all include relevant in=mation submitt$
 by s]vic]s1 & %all include any o!r     
in=mation t ! ,secret>y consid]s        
relevant4 ,su* report %all comply ) any 
applicable privacy protections4  4  #e4 

,notice to borr[]s ( loss mitigation    
/atus & decisions ,subsection 7a7 (     
section #bjd ( ! ,national ,h\s+ ,act   
7#ab ,u4,s4,c4 #agaj7;a771 z am5d$ by ! 
prec$+ provisions ( ?is ,act1 is fur!r  
am5d$ by add+ at ! end ! foll[+ new     
p>agraph3  7#aa7 ,notice to borr[]s (   
loss mitigation /atus & decisions  7,a7 
,requir$ notice ,! ,secret>y %all       
require t be=e any accel]ation ( !      
indebt$ness due "u a mortgage1 ! s]vic] 
= ! mortgage %all provide writt5 notice 
to ! mortgagor t includes--  7i7 a      
summ>y expla9+ h[ ! s]vic] appli$ ! loss
 mitigation option priority analysis    
e/abli%$ by ! ,secret>y1 includ+ ! loss 
mitigation review wat]fall "u section   
,,iii4,a4#b4;j4iii ( ! ,secret>y's      
,h&book #djjj4a or any successor        
provision1 & sett+ =? ! actual in=mation
 ent]$ 9 apply+ su* analysis2  7ii7 )   
respect to any mortgage = :i* ! s]vic]  
did n conduct ! analysis ref]r$ to 9    
clause 7i7 because ! s]vic] det]m9$ t ! 
mortgagor did n express any int]e/ 9    

loss mitigation or provide appropriate  
docum5ts--  7,i7 a /atem5t ( su*        
det]m9ation2  7,,ii7 a description ( !  
actions t ! s]vic] took to solicit !    
borr[] = loss mitigation review & obta9 
appropriate docum5ts2 &  7,,iii7 a      
/atem5t ( ! dates t ! s]vic] took su*   
actions2 &  7iii7 a /atem5t sett+ =? !  
results ( ! s]vic]s' mon?ly loss        
mitigation evaluations = ! mortgage     
requir$ "u section #bjc4fje7;a7 ( !     
,secret>y's regulations 7#bd ,c4,f4,r4  
#bjc4fje7;a77 or any successor          
provision2  7iv7 ) respect to any loss  
mitigation action = :i* ! mortgagor 0   
det]m9$ to be ineligible1 an explanation
 (1 & docum5tation %[+1 :y ! mortgagor 0
 det]m9$ to be ineligible2  7v7 a       
/atem5t in=m+ ! borr[] t1 ^u ! reque/ ( 
! borr[]1 ! ,secret>y w provide ! borr[]
 ) all loss mitigation evaluation       
docum5tation requir$ by ! ,secret>y )   
respect to ! mortgage1 includ+ mon?ly   
evaluations ref]r$ to 9 clause 7iii72 & 
7vi7 in=mation describ+ ! proc$ure "u   

section #edc7;a7 = regi/]+ compla9ts    
reg>d+ loss mitigation & ! proc$ure "u  
section #edc7;c7 = appeal+ a s]vic]'s   
decisions reg>d+ loss mitigation        
actions4  7,b7 ,ref]5ces ,su* notice    
%all conta9 ref]5ces to ! applicable    
provisions ( applicable h&book ( !      
,secret>y reg>d+ ongo+ loss mitigation  
reviews & /&>ds = su* reviews & %all    
id5tify h[ su* provisions may be access$
 on a publicly accessible website ( !   
,dep>tm5t4  4  #f4 ,rule ( con/ruction  
,no?+ 9 ?is ,act may be con/ru$ to      
sup]c$e1 or exempt any p]son f comply+  
)1 any provision ( ! ,real ,e/ate       
,settlem5t ,proc$ures ,act ( #aigd 7#ab 
,u4,s4,c4 #bfja et seq47 or !           
regulations issu$ "u su* ,act4