IB 
Union Calendar No. 14 
112TH CONGRESS 
1ST SESSION 
H. R. 836 
[Report No. 112–26] 
To rescind the unobligated funding for the Emergency Mortgage Relief 
Program and to terminate the program. 
IN THE HOUSE OF REPRESENTATIVES 
FEBRUARY 28, 2011 
Mr. HENSARLING (for himself, Mr. BACHUS, and Mrs. BIGGERT) introduced 
the following bill; which was referred to the Committee on Financial Services 
MARCH 7, 2011 
Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
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A BILL 
To rescind the unobligated funding for the Emergency 
Mortgage Relief Program and to terminate the program. 
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Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Emergency Mortgage 
Relief Program Termination Act’’. 
SEC. 2. RESCISSION OF FUNDING FOR EMERGENCY MORT-
GAGE RELIEF PROGRAM. 
Effective on the date of the enactment of this Act, 
there are rescinded and permanently canceled all unobli-
gated balances remaining available as of such date of en-
actment of the amounts made available by section 1496(a) 
of the Dodd-Frank Wall Street Reform and Consumer 
Protection Act (Public Law 111–203; 124 Stat. 2207; 12 
U.S.C. 2706 note). 
SEC. 3. TERMINATION OF EMERGENCY MORTGAGE RELIEF 
PROGRAM. 
(a) REPEAL.—Title I of the Emergency Housing Act 
of 1975 (12 U.S.C. 2701 et seq.), as amended by section 
1496(b) of the Dodd-Frank Wall Street Reform and Con-
sumer Protection Act, is hereby repealed. 
(b) TREATMENT OF REMAINING FUNDS.—Notwith-
standing the repeal under subsection (a) of this section, 
any amounts made available under the provision specified 
in section 2 of this Act and obligated before the date of 
the enactment of this Act shall continue to be governed 
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by the provisions of law specified in subsection (a) of this 
section, as in effect immediately before such repeal. 
(c) TERMINATION.—Upon the completion of outlays 
to liquidate all amounts referred to in subsection (b) of 
this section and the completion of all activities with re-
spect to such amounts under the provisions of law speci-
fied in subsection (a) of this section, the Secretary of 
Housing and Urban Development shall terminate the 
Emergency Mortgage Relief Program authorized under 
the provisions specified in subsection (a). 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Emergency Mortgage 
Relief Program Termination Act’’. 
SEC. 2. RESCISSION OF FUNDING FOR EMERGENCY MORT-
GAGE RELIEF PROGRAM. 
Effective on the date of the enactment of this Act, there 
are rescinded and permanently canceled all unobligated bal-
ances remaining available as of such date of enactment of 
the amounts made available by section 1496(a) of the Dodd- 
Frank Wall Street Reform and Consumer Protection Act 
(Public Law 111–203; 124 Stat. 2207; 12 U.S.C. 2706 
note). 
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SEC. 3. TERMINATION OF EMERGENCY MORTGAGE RELIEF 
PROGRAM. 
(a) REPEAL.—Title I of the Emergency Housing Act 
of 1975 (12 U.S.C. 2701 et seq.), as amended by section 
1496(b) of the Dodd-Frank Wall Street Reform and Con-
sumer Protection Act, is hereby repealed. 
(b) TREATMENT
OF REMAINING FUNDS.—Notwith-
standing the repeal under subsection (a) of this section, any 
amounts made available under the provision specified in 
section 2 of this Act and obligated before the date of the 
enactment of this Act shall continue to be governed by the 
provisions of law specified in subsection (a) of this section, 
as in effect immediately before such repeal. 
(c) TERMINATION.—Upon the completion of outlays to 
liquidate all amounts referred to in subsection (b) of this 
section and the completion of all activities with respect to 
such amounts under the provisions of law specified in sub-
section (a) of this section, the Secretary of Housing and 
Urban Development shall terminate the Emergency Mort-
gage Relief Program authorized under the provisions speci-
fied in subsection (a). 
(d) STUDY OF USE OF PROGRAM BY MEMBERS OF THE 
ARMED FORCES, VETERANS, AND GOLD STAR RECIPI-
ENTS.— 
(1) STUDY.—The Secretary of Housing and 
Urban Development shall conduct a study to deter-
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mine the extent of usage of the Emergency Mortgage 
Relief Program authorized under the provisions speci-
fied in subsection (a) by, and the impact of such pro-
gram on, covered homeowners. 
(2) REPORT.—Not later than the expiration of 
the 90-day period beginning on the date of the enact-
ment 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 ap-
plied to the Emergency Mortgage Relief Program. 
(3) COVERED
HOMEOWNER.—For purposes of 
this subsection, the term ‘‘covered homeowner’’ means 
a homeowner who is— 
(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; or 
(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 sec-
tion. 
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Union Calendar No. 14 
112TH CONGRESS 
1ST SESSION 
H. R. 836 
[Report No. 112–26] 
A BILL 
To rescind the unobligated funding for the Emer-
gency Mortgage Relief Program and to terminate 
the program. 
MARCH 7, 2011 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
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21:13 Mar 07, 2011
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