(1) by striking ‘‘Application by’’ and inserting 
‘‘(a) APPLICATION OR RECEIPT.—Application by’’; 
and 
(2) by adding at the end the following new sub-
section: 
‘‘(b) ELIGIBILITY.—In addition to the protections 
under subsection (a), an individual who is entitled to any 
right or protection provided under this Act may not be 
denied or refused credit or be subject to any other action 
described under paragraphs (1) through (6) of subsection 
(a) solely by reason of such entitlement.’’. 
(d) EFFECTIVE
DATE.—Section 303A of the 
Servicemembers Civil Relief Act, as added by subsection 
(a), and the amendments made by this section, shall take 
effect on the date that is 90 days after the date of the 
enactment of this Act. 
SEC. 3. TREATMENT OF RELOCATION FOR ACTIVE DUTY 
FOR 
PURPOSES 
OF 
MORTGAGE 
REFI-
NANCING. 
(a) IN GENERAL.—Title III of the Servicemembers 
Civil Relief Act (50 U.S.C. App. 531 et seq.) is amended 
by inserting after section 303A, as added by section 
1(a)(1), the following new section: 
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‘‘SEC. 303B. TREATMENT OF RELOCATION FOR ACTIVE 
DUTY FOR PURPOSES OF MORTGAGE REFI-
NANCING. 
‘‘(a) TREATMENT OF ABSENCE FROM RESIDENCE 
DUE TO ACTIVE DUTY.— 
‘‘(1) IN GENERAL.—Subject to paragraph (2), 
if, at any time that a servicemember who is the 
mortgagor under an existing mortgage does not re-
side in the residence that secures the existing mort-
gage because of relocation described in subsection 
(c)(1)(B), such servicemember inquires about or ap-
plies for a covered refinancing mortgage, such serv-
icemember shall be, for all purposes relating to the 
covered refinancing mortgage, including such inquiry 
or application and eligibility for and compliance with 
any underwriting criteria and standards regarding 
such covered refinancing mortgage, considered to oc-
cupy the residence that secures the existing mort-
gage to be paid or prepaid by such covered refi-
nancing mortgage as the principal residence of the 
servicemember during the period of any such reloca-
tion. 
‘‘(2) LIMITATION.—Paragraph (1) shall not 
apply with respect to a servicemember at any time 
if, during the five-year period preceding such time, 
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the servicemember entered into a covered refi-
nancing mortgage pursuant to this section. 
‘‘(b) MORTGAGES
ORIGINATED
BEFORE
PERIOD 
MILITARY SERVICE.—If a covered refinancing mortgage 
is entered into pursuant to this section with respect to 
an existing mortgage that originated before the period of 
the servicemember’s military service, such covered refi-
nancing mortgage shall be deemed to be an obligation that 
originated before the period of the servicemember’s mili-
tary service and for which the servicemember is still obli-
gated for purposes of section 303(a)(1). 
‘‘(c) DEFINITIONS.—In this section: 
‘‘(1) EXISTING MORTGAGE.—The term ‘existing 
mortgage’ means a mortgage that is secured by a 1- 
to 4-family residence, including a condominium or a 
share in a cooperative ownership housing associa-
tion, that was the principal residence of a service-
member for a period that— 
‘‘(A) had a duration of 13 consecutive 
months or longer; and 
‘‘(B) ended upon the relocation of the serv-
icemember caused by the servicemember receiv-
ing military orders for a permanent change of 
station or to deploy with a military unit, or as 
an individual in support of a military operation, 
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for a period of not less than 90 days that did 
not allow the servicemember to continue to oc-
cupy such residence as a principal residence. 
‘‘(2) COVERED REFINANCING MORTGAGE.—The 
term ‘covered refinancing mortgage’ means any 
mortgage— 
‘‘(A) that is made for the purpose of pay-
ing or prepaying, and extinguishing, the out-
standing obligations under an existing mortgage 
or mortgages; and 
‘‘(B) that is secured by the same residence 
that secured such existing mortgage or mort-
gages.’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
for such Act is amended by inserting after the item relat-
ing to section 303A the following new item: 
‘‘Sec. 303B. Treatment of relocation for active duty for purposes of mortgage 
refinancing.’’. 
SEC. 4. REQUIREMENTS FOR LENDING INSTITUTIONS THAT 
ARE CREDITORS FOR OBLIGATIONS AND LI-
ABILITIES COVERED BY THE SERVICEMEM-
BERS CIVIL RELIEF ACT. 
Section 207 of the Servicemembers Civil Relief Act 
(50 U.S.C. App. 527) is amended— 
(1) by redesignating subsections (d) and (e) as 
subsections (e) and (f), respectively; and 
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(2) by inserting after subsection (c) the fol-
lowing new subsection (d): 
‘‘(d) LENDING INSTITUTION REQUIREMENTS.— 
‘‘(1) COMPLIANCE OFFICERS.—Each lending in-
stitution subject to the requirements of this section 
shall designate an employee of the institution as a 
compliance officer who is responsible for ensuring 
the institution’s compliance with this section and for 
distributing information to servicemembers whose 
obligations and liabilities are covered by this section. 
‘‘(2) TOLL-FREE TELEPHONE NUMBER.—Dur-
ing any fiscal year, a lending institution subject to 
the requirements of this section that had annual as-
sets for the preceding fiscal year of $10,000,000,000 
or more shall maintain a toll-free telephone number 
and shall make such telephone number available on 
the primary Internet website of the institution.’’. 
Æ 
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