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‘‘(D) A surviving spouse (as defined in sec-
tion 101(3) of title 38, United States Code, and 
in accordance with section 103 of such title) of 
a servicemember who died while in military 
service if such spouse is the successor in inter-
est to property covered under subsection (a). 
‘‘(2) COVERED TIME PERIOD.—The term ‘cov-
ered time period’ means the following time periods: 
‘‘(A) With respect to a servicemember who 
is or was eligible for hostile fire or imminent 
danger special pay under section 310 of title 
37, United States Code, during a period of mili-
tary service, during the period beginning on the 
first day on which the servicemember is or was 
eligible for such special pay during such period 
of military service and ending on the date that 
is one year after the last day of such period of 
military service. 
‘‘(B) With respect to a servicemember de-
scribed in paragraph (1)(B), during the one- 
year period beginning on the date on which the 
servicemember is placed on convalescent status 
or transferred to the temporary disability re-
tired list under section 1202 or 1205 of title 
10, United States Code. 
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‘‘(C) With respect to a veteran described in 
paragraph (1)(C), during the one-year period 
beginning on the date of the retirement of such 
veteran. 
‘‘(D) With respect to a surviving spouse of 
a servicemember as described in paragraph 
(1)(D), during the one-year period beginning on 
the date on which the spouse receives notice of 
the death of the servicemember.’’. 
(2) CLERICAL AMENDMENT.—The table of con-
tents in section 1(b) of such Act is amended by in-
serting after the item relating to section 303 the fol-
lowing new item: 
‘‘Sec. 303A. Mortgages and trust deeds of certain servicemembers, surviving 
spouses, and disabled veterans.’’. 
(3) 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 303A.’’. 
(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: 
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‘‘(3) to vindicate the public interest, assess a 
civil penalty— 
‘‘(A) with respect to a violation of section 
207, 303, or 303A 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 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 
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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 October 1, 2014. 
SEC. 12. 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 
11(a)(1), the following new section: 
‘‘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-
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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, 
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: 
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