(f)(1)(B), such obligation that originated at any 
time and for which the veteran is still obligated. 
‘‘(4) With respect to an obligation on real prop-
erty owned by a surviving spouse described in sub-
section (f)(1)(C), such obligation that originated at 
any time and for which the spouse is still obligated. 
‘‘(b) STAY OF PROCEEDINGS AND ADJUSTMENT OF 
OBLIGATION.—(1) In an action filed during a covered 
time period to enforce an obligation described in sub-
section (a), the court may after a hearing and on its own 
motion and shall upon application by a covered individual 
when the individual’s ability to comply with the obligation 
is materially affected by military service— 
‘‘(A) stay the proceedings for a period of time 
as justice and equity require, or 
‘‘(B) adjust the obligation to preserve the inter-
ests of all parties. 
‘‘(2) For purposes of applying paragraph (1) to a cov-
ered individual who is a surviving spouse of a servicemem-
ber described in subsection (f)(1)(C), the term ‘military 
service’ means the service of such servicemember. 
‘‘(c) SALE OR FORECLOSURE.—A sale, foreclosure, or 
seizure of property for a breach of an obligation described 
in subsection (a) shall not be valid during a covered time 
period except— 
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‘‘(1) upon a court order granted before such 
sale, foreclosure, or seizure with a return made and 
approved by the court; or 
‘‘(2) if made pursuant to an agreement as pro-
vided in section 107. 
‘‘(d) MISDEMEANOR.—A person who knowingly 
makes or causes to be made a sale, foreclosure, or seizure 
of property that is prohibited by subsection (c), or who 
knowingly attempts to do so, shall be fined as provided 
in title 18, United States Code, or imprisoned for not more 
than one year, or both. 
‘‘(e) PROOF OF SERVICE.—(1) A veteran described 
in subsection (f)(1)(B) shall provide documentation de-
scribed in paragraph (2) to relevant persons to prove the 
eligibility of the veteran to be covered under this section. 
‘‘(2) Documentation described in this paragraph is a 
rating decision or a letter from the Department of Vet-
erans Affairs that confirms that the veteran is totally dis-
abled because of one or more service-connected injuries or 
service-connected disability conditions. 
‘‘(f) DEFINITIONS.—In this section: 
‘‘(1) The term ‘covered individual’ means the 
following individuals: 
‘‘(A) A servicemember. 
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‘‘(B) A veteran who was retired under 
chapter 61 of title 10, United States Code, and 
whom the Secretary of Veterans Affairs, at the 
time of such retirement, determines is a totally 
disabled veteran. 
‘‘(C) A surviving spouse of a servicemem-
ber who— 
‘‘(i) died while serving in support of a 
contingency operation if such spouse is the 
successor in interest to property covered 
under subsection (a); or 
‘‘(ii) died while in military service and 
whose death is service-connected if such 
spouse is the successor in interest to prop-
erty covered under subsection (a). 
‘‘(2) The term ‘covered time period’ means the 
following time periods: 
‘‘(A) With respect to a servicemember, 
during the period beginning on the date on 
which such servicemember begins military serv-
ice and ending on the date that is 12 months 
after the date on which such servicemember is 
discharged from such service. 
‘‘(B) With respect to a servicemember 
serving in support of a contingency operation, 
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during the period beginning on the date of the 
military orders for such service and ending on 
the date that is 12 months after the date on 
which such servicemember redeploys from such 
contingency operation. 
‘‘(C) With respect to a veteran described in 
subsection (f)(1)(B), during the 12-month pe-
riod beginning on the date of the retirement of 
such veteran described in such subsection. 
‘‘(D) With respect to a surviving spouse of 
a 
servicemember 
described 
in 
subsection 
(f)(1)(C), during the 12-month period begin-
ning on the date of the death of the service-
member.’’. 
(2) CONFORMING
AMENDMENT.—Section 107 
of the Servicemembers Civil Relief Act (50 U.S.C. 
App. 517) is amended by adding at the end the fol-
lowing: 
‘‘(e) OTHER INDIVIDUALS.—For purposes of this sec-
tion, the term ‘servicemember’ includes any covered indi-
vidual under section 303(f)(1).’’. 
(3) REPEAL
OF
SUNSET.—Subsection (c) of 
section 2203 of the Housing and Economic Recovery 
Act of 2008 (Public Law 110–289; 50 U.S.C. App. 
533 note) is amended to read as follows: 
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‘‘(c) EFFECTIVE DATE.—The amendments made by 
subsection (a) shall take effect on the date of the enact-
ment of this Act.’’. 
(b) INCREASED CIVIL PENALTIES FOR MORTGAGE 
VIOLATIONS.—Paragraph (3) of section 801(b) of the 
Servicemembers Civil Relief Act (50 U.S.C. App. 
597(b)(3)) is amended to read as follows: 
‘‘(3) to vindicate the public interest, assess a 
civil penalty— 
‘‘(A) with respect to a violation of section 
303 regarding real property— 
‘‘(i) in an amount not exceeding 
$110,000 for a first violation; and 
‘‘(ii) in an amount not exceeding 
$220,000 for any subsequent violation; and 
‘‘(B) with respect to any other violation of 
this Act— 
‘‘(i) in an amount not exceeding 
$55,000 for a first violation; and 
‘‘(ii) in an amount not exceeding 
$110,000 for any subsequent violation.’’. 
(c) CREDIT DISCRIMINATION.—Section 108 of such 
Act (50 U.S.C. App. 518) is amended— 
(1) by striking ‘‘Application by’’ and inserting 
‘‘(a) Application by’’; and 
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(2) by adding at the end the following new sub-
section: 
‘‘(b) In addition to the protections under subsection 
(a), an individual who is eligible, or who may likely become 
eligible, for any provision of this Act may not be denied 
or refused credit or be subject to any other action de-
scribed under paragraphs (1) through (6) of subsection 
(a) solely by reason of such eligibility.’’. 
SEC. 3. REQUIREMENTS FOR LENDING INSTITUTIONS THAT 
ARE CREDITORS FOR OBLIGATIONS AND LI-
ABILITIES 
COVERED 
BY 
THE 
SERVICEMEMBERS 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 
(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 
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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 Web site of the institution.’’. 
Æ 
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