•HR 1106 EH1S 
(C) directing reports of mortgage fraud to 
the appropriate Federal, State, and local law 
enforcement and prosecutorial agency, including 
to the appropriate branch of the Task Force es-
tablished under subsection (d); 
(3) create a database with respect to suspen-
sions and revocations of mortgage industry licenses 
and certifications to facilitate the sharing of such in-
formation by States; 
(4) make recommendations with respect to the 
need for and resources available to provide the 
equipment and training necessary for the Task 
Force to combat mortgage fraud; and 
(5) propose legislation to Federal, State, and 
local legislative bodies with respect to the elimination 
and prevention of mortgage fraud, including meas-
ures to address mortgage loan procedures and prop-
erty appraiser practices that provide opportunities 
for mortgage fraud. 
(g) DEFINITION.—In this section, the term ‘‘mort-
gage fraud’’ means a material misstatement, misrepresen-
tation, or omission relating to the property or potential 
mortgage relied on by an underwriter or lender to fund, 
purchase, or insure a loan.
•HR 1106 EH1S 
TITLE IV—FORECLOSURE 
MORATORIUM PROVISIONS 
SEC. 401. SENSE OF THE CONGRESS ON FORECLOSURES. 
(a) IN GENERAL.—It is the sense of the Congress 
that mortgage holders, institutions, and mortgage 
servicers should not initiate a foreclosure proceeding or 
a foreclosure sale on any homeowner until the foreclosure 
mitigation provisions, like the Hope for Homeowners pro-
gram, as required under title II, and the President’s 
‘‘Homeowner Affordability and Stability Plan’’ have been 
implemented and determined to be operational by the Sec-
retary of Housing and Urban Development and the Sec-
retary of the Treasury. 
(b) SCOPE OF MORATORIUM.—The foreclosure mora-
torium referred to in subsection (a) should apply only for 
first mortgages secured by the owner’s principal dwelling. 
(c) FHA-REGULATED LOAN MODIFICATION AGREE-
MENTS.—If a mortgage holder, institution, or mortgage 
servicer to which subsection (a) applies reaches a loan 
modification agreement with a homeowner under the aus-
pices of the Federal Housing Administration before any 
plan referred to in such subsection takes effect, subsection 
(a) shall cease to apply to such institution as of the effec-
tive date of the loan modification agreement.
•HR 1106 EH1S 
(d) DUTY OF CONSUMER TO MAINTAIN PROPERTY.— 
Any homeowner for whose benefit any foreclosure pro-
ceeding or sale is barred under subsection (a) from being 
instituted, continued , or consummated with respect to any 
homeowner mortgage should not, with respect to any prop-
erty securing such mortgage, destroy, damage, or impair 
such property, allow the property to deteriorate, or commit 
waste on the property. 
(e) DUTY OF CONSUMER TO RESPOND TO REASON-
ABLE INQUIRIES.—Any homeowner for whose benefit any 
foreclosure proceeding or sale is barred under subsection 
(a) from being instituted, continued, or consummated with 
respect to any homeowner mortgage should respond to 
reasonable inquiries from a creditor or servicer during the 
period during which such foreclosure proceeding or sale 
is barred. 
Passed the House of Representatives March 5, 
2009. 
Attest: 
Clerk.