112TH CONGRESS 

1ST SESSION H. R. 1263 

AN ACT 

To amend the Servicemembers Civil Relief Act to provide 

surviving spouses with certain protections relating to 

mortgages and mortgage foreclosures, and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 
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1 SECTION 1. EXPANSION OF PROTECTIONS RELATING TO 

2 MORTGAGES AND MORTGAGE FORE3 CLOSURES FOR SURVIVING SPOUSES. 

4 (a) PROTECTION FOR SURVIVING SPOUSE.—Section 

5 303 of the Servicemembers Civil Relief Act (50 U.S.C. 

6 App. 533) is amended by adding at the end the following 

7 new subsection: 

8 ‘‘(e) PROTECTION FOR SURVIVING SPOUSE.—During 

9 the five-year period beginning on the date of the enact10 ment of this subsection, with respect to a servicemember 

11 who dies while in military service and whose death is serv12 ice-connected, this section shall apply to the surviving 

13 spouse of the servicemember if such spouse is the suc14 cessor in interest to property covered under subsection 

15 (a).’’. 

16 (b) EFFECTIVE DATE.—Subsection (e) of section 303 

17 of such Act, as added by subsection (a), shall apply to 

18 a surviving spouse of a servicemember whose death is on 

19 or after the date of the enactment of this Act. 

20 SEC. 2. REQUIREMENTS FOR LENDING INSTITUTIONS THAT 

21 ARE CREDITORS FOR OBLIGATIONS AND LI22 ABILITIES COVERED BY THE 

23 SERVICEMEMBERS CIVIL RELIEF ACT. 

24 Section 207 of the Servicemembers Civil Relief Act 

25 is amended— 
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1 (1) by redesignating subsections (d) and (e) as 

2 subsections (e) and (f), respectively; and 

3 (2) by inserting after subsection (c) the fol4 lowing new subsection (d): 

5 ‘‘(d) LENDING INSTITUTION REQUIREMENTS.— 

6 ‘‘(1) COMPLIANCE OFFICERS.—Each lending in7 stitution subject to the requirements of this section 

8 shall designate an employee of the institution as a 

9 compliance officer who is responsible for ensuring 

10 the institution’s compliance with this section and for 

11 distributing information to servicemembers whose 

12 obligations and liabilities are covered by this section. 

13 ‘‘(2) TOLL-FREE TELEPHONE NUMBER.—Dur14 ing any fiscal year, a lending institution subject to 

15 the requirements of this section that had annual as16 sets for the preceding fiscal year of $10,000,000,000 

17 or more shall maintain a toll-free telephone number 

18 and shall make such telephone number available on 

19 the primary Internet Web site of the institution.’’. 

20 SEC. 3. EXTENSION OF PERIOD OF PROTECTIONS FOR 

21 SERVICEMEMBERS AGAINST MORTGAGE 

22 FORECLOSURES. 

23 (a) EXTENDED PERIOD OF PROTECTIONS.— 

24 (1) STAY OF PROCEEDINGS AND PERIOD OF AD25 JUSTMENT OF OBLIGATIONS RELATING TO REAL OR
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1 PERSONAL PROPERTY.—Section 303(b) of the 

2 Servicemembers Civil Relief Act (50 U.S.C. App. 

3 533(b)) is amended by striking ‘‘within 9 months’’ 

4 and inserting ‘‘within 12 months’’. 

5 (2) PERIOD OF RELIEF FROM SALE, FORE6 CLOSURE, OR SEIZURE.—Section 303(c) of such Act 

7 (50 U.S.C. App. 533(c)) is amended by striking 

8 ‘‘within 9 months’’ and inserting ‘‘within 12 

9 months’’. 

10 (3) SUNSET.— The amendments made by para11 graphs (1) and (2) shall expire on December 31, 

12 2017. Effective January 1, 2018, the provisions of 

13 subsections (b) and (c) of section 303 of the 

14 Servicemembers Civil Relief Act, as in effect on the 

15 day before the date of the enactment of the Housing 

16 and Economic Recovery Act of 2008 (Public Law 

17 110–289), are hereby revived. 

18 (b) REPEAL OF SUPERCEDED PROVISION.—Sub19 section (c) of section 2203 of the Housing and Economic 

20 Recovery Act of 2008 (Public Law 110–289; 50 U.S.C. 

21 App. 533 note) is amended to read as follows: 
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1 ‘‘(c) EFFECTIVE DATE.—The amendments made by 

2 subsection (a) shall take effect on the date of the enact3 ment of this Act.’’. 

Passed the House of Representatives October 11, 

2011. 

Attest: 

Clerk. 
112TH CONGRESS 

1ST SESSION H. R. 1263 

AN ACT 

To amend the Servicemembers Civil Relief Act to 

and for other purposes. relating to mortgages and mortgage foreclosures, provide surviving spouses with certain protections