HR 1315 RFS 
ment, and upon the completion of all activities with re-
spect to such commitments under the provisions of law, 
regulations, orders, notices, and mortgagee letters referred 
to in subsection (b) of this section, the Secretary of Hous-
ing and Urban Development shall terminate the FHA Re-
finance Program referred to in section 202. 
(d) STUDY OF USE OF PROGRAM BY MEMBERS OF 
THE ARMED FORCES, VETERANS, GOLD STAR RECIPI-
ENTS, AND MEMBERS AND VETERANS WITH SERVICE- 
CONNECTED DISABILITIES AND THEIR FAMILIES.— 
(1) STUDY.—The Secretary of Housing and 
Urban Development shall conduct a study to deter-
mine the extent of usage of the FHA Refinance Pro-
gram referred to in section 202 by, and the impact 
of such program on, covered homeowners. 
(2) REPORT.—Not later than the expiration of 
the 90-day period beginning on the date of the en-
actment of this Act, the Secretary shall submit to 
the Congress a report setting forth the results of the 
study under paragraph (1) and identifying best 
practices, with respect to covered homeowners, that 
could be applied to the FHA Refinance Program. 
(3) COVERED HOMEOWNER.—For purposes of 
this subsection, the term ‘‘covered homeowner’’ 
means a homeowner who is— 
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HR 1315 RFS 
(A) a member of the Armed Forces of the 
United States on active duty or the spouse or 
parent of such a member; 
(B) a veteran, as such term is defined in 
section 101 of title 38, United States Code; 
(C) eligible to receive a Gold Star lapel pin 
under section 1126 of title 10, United States 
Code, as a widow, parent, or next of kin of a 
member of the Armed Forces person who died 
in a manner described in subsection (a) of such 
section; and 
(D) such members and veterans of the 
Armed Forces who have service-connected inju-
ries, and survivors and dependents of such 
members and veterans of the Armed Forces 
with such injuries. 
SEC. 204. PUBLICATION OF MEMBER AVAILABILITY FOR AS-
SISTANCE. 
Not later than 5 days after the date of the enactment 
of this Act, the Secretary of Housing and Urban Develop-
ment shall publish to its Website on the World Wide Web 
in a prominent location, large point font, and boldface type 
the following statement: ‘‘The FHA Short Refinance Pro-
gram, which was intended to provide borrowers with refi-
nance opportunities, has been terminated. If you are hav-
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HR 1315 RFS 
ing trouble paying your mortgage and need help con-
tacting your lender or servicer for purposes of negotiating 
or acquiring a loan modification, please contact your Mem-
ber of Congress to assist you in contacting your lender 
or servicer for the purpose of negotiating or acquiring a 
loan modification.’’. 
Passed the House of Representatives July 21, 2011. 
Attest: 
KAREN L. HAAS, 
Clerk. 
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