1712 U.S.C. 1735f–18(b)(2)) is amended by adding at the 
end the following new subparagraph: 
‘‘(C) For each entity that services insured 
mortgages, data on the performance of mort-
gages originated during each calendar quarter 
occurring during the applicable collection pe-
riod, disaggregated by the direct endorsement 
mortgagee from whom such entity acquired 
such servicing.’’. 
(b) APPLICABILITY.—Information described in sub-
paragraph (C) of section 540(b)(2) of the National Hous-
ing Act, as added by subsection (a) of this section, shall 
first be made available under such section 540 for the ap-
plicable collection period (as such term is defined in such 
section) relating to the first calendar quarter ending after 
the expiration of the 12-month period that begins on the 
date of the enactment of this Act. 
SEC. 12. THIRD PARTY SERVICER OUTREACH. 
(a) AUTHORITY.—The Secretary of Housing and 
Urban Development may, to the extent any amounts for 
fiscal year 2012 or 2013 are made available in advance 
in appropriation Acts for reimbursements under this sec-
tion, provide reimbursement to servicers of covered mort-
gages (as such term is defined in subsection (f)) for costs 
of obtaining the services of independent third parties 
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meeting the requirements under subsection (b) of this sec-
tion to make in-person contact with mortgagors under cov-
ered mortgages whose payments under such mortgages are 
60 or more days past due, solely for the purposes of pro-
viding information to such mortgagors regarding— 
(1) available counseling by housing counseling 
agencies approved by the Secretary; 
(2) available mortgage loan modification, refi-
nance, and assistance programs; and 
(3) available counseling regarding financial 
management and credit risk. 
(b) QUALIFIED INDEPENDENT THIRD PARTIES.—An 
independent third party meets the requirements of this 
subsection if the third party— 
(1) is an entity, including a housing counseling 
agency approved by the Secretary, that meets stand-
ards, qualifications, and requirements (including re-
garding foreclosure prevention training, quality mon-
itoring, safeguarding of non-public information) es-
tablished by the Secretary for purposes of this sec-
tion for in-person contact about available mortgage 
loan modification, refinance, and assistance pro-
grams; and 
(2) does not charge any fees or require other 
payments, directly or indirectly, from any mortgagor 
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for making in-person contact and providing informa-
tion and documents under this section. 
(c) TREATMENT OF PERSONAL, NON-PUBLIC, AND 
CONFIDENTIAL
INFORMATION.—An independent third 
party whose services are obtained using amounts made 
available for use under this section and the mortgage 
servicer obtaining such services shall not use, disclose, or 
distribute any personal, non-public, or confidential infor-
mation about a mortgagor obtained during an in-person 
contact with the mortgagor, except for purposes of engag-
ing in the process of modification or refinance of the cov-
ered mortgage. 
(d) DATE OF CONTACT AND DISCLOSURES.—Each 
independent third party whose services are obtained by a 
mortgage servicer using amounts made available for use 
under this section shall— 
(1) initiate in-person contact with a mortgagor 
not later than 10 days after the date upon which 
payments under the covered mortgage of the mort-
gagor become 60 days past due; and 
(2) upon making in-person contact with a mort-
gagor, provide the mortgagor with a written docu-
ment that discloses— 
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(A) the name of, and contact information 
for, the independent third party and the mort-
gage servicer; 
(B) that the independent third party has 
contracted with the mortgage servicer to pro-
vide the in-person contact at no charge to the 
mortgagor; 
(C) that the independent third party is an 
agent of the mortgage servicer; 
(D) that the in-person contact with the 
mortgagor consists of providing information 
about available counseling by a housing coun-
seling agency approved by the Secretary and 
available mortgage loan modification, refinance, 
and assistance programs; 
(E) that the independent third party and 
the mortgage servicer are prohibited from the 
use, disclosure, or distribution of personal, non- 
public, and confidential information about the 
mortgagor, obtained during the in-person con-
tact, except for purposes of engaging in the 
process of modification or refinance of the cov-
ered mortgage; 
(F) any other information that the Sec-
retary determines should be disclosed. 
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(e) PRIORITY.—In providing reimbursements under 
this section, the Secretary of Housing and Urban Develop-
ment shall provide priority to independent third parties 
serving mortgagors under covered mortgages in areas ex-
periencing a mortgage foreclosure rate and unemployment 
rate higher than the national average for the most recent 
12-month period for which satisfactory data are available. 
(f) DEFINITION OF COVERED MORTGAGE.—For pur-
poses of this section, the term ‘‘covered mortgage’’ means 
a mortgage on a 1- to 4-family residence insured under 
the provisions of subsection (b) or (k) of section 203, sec-
tion 234(c), or 251 of the National Housing Act (12 
U.S.C. 1709, 1715y, 1715z–16). 
SEC. 13. MAXIMUM MORTGAGE AMOUNT LIMITS FOR MUL-
TIFAMILY HOUSING. 
(a) ELEVATOR-TYPE STRUCTURES.— 
(1) AMENDMENTS.—The National Housing Act 
is amended in each of the provisions specified in 
paragraph (2)— 
(A) by inserting ‘‘with sound standards of 
construction and design’’ after ‘‘elevator-type 
structures’’ the first place such term appears; 
and 
(B) by striking ‘‘to not to exceed’’ and all 
that follows through ‘‘sound standards of con-
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struction and design’’ each place such terms ap-
pear and inserting ‘‘by not more than 50 per-
cent of the amounts specified for each unit 
size’’. 
(2) PROVISIONS AMENDED.—The provisions of 
the National Housing Act specified in this para-
graph are as follows: 
(A) Subparagraph (A) of section 207(c)(3) 
(12 U.S.C. 1713(c)(3)(A)). 
(B) Subparagraph (A) of section 213(b)(2) 
(12 U.S.C. 1715e(b)(2)(A)). 
(C) 
Subclause 
(I) 
of 
section 
220(d)(3)(B)(iii) 
(12 
U.S.C. 
1715k(d)(3)(B)(iii)(I)). 
(D) 
In 
section 
221(d) 
(12 
U.S.C. 
1715l(d))— 
(i) subclause (I) of paragraph (3)(ii); 
and 
(ii) subclause (I) of paragraph (4)(ii). 
(E) Subparagraph (A) of section 231(c)(2) 
(12 U.S.C. 1715v(c)(2)(A)). 
(F) Subparagraph (A) of section 234(e)(3) 
(12 U.S.C. 1715y(e)(3)(A)). 
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(b) EXTREMELY HIGH-COST AREAS.—Section 214 of 
the National Housing Act (12 U.S.C. 1715d) is amend-
ed— 
(1) in the first sentence— 
(A) by inserting ‘‘, or with respect to 
projects consisting of more than four dwelling 
units located in an extremely high-cost area as 
determined by the Secretary’’ after ‘‘or the Vir-
gin Islands’’ the first place such term appears; 
(B) by inserting ‘‘, or to construct projects 
consisting of more than four dwelling units on 
property located in an extremely high-cost area 
as determined by the Secretary’’ after ‘‘or the 
Virgin Islands’’ the second place such term ap-
pears; and 
(C) by inserting ‘‘, or with respect to 
projects consisting of more than four dwelling 
units located in an extremely high-cost area as 
determined by the Secretary’’ after ‘‘or the Vir-
gin Islands’’ the third place such term appears; 
(2) in the second sentence— 
(A) by inserting ‘‘, or with respect to a 
project consisting of more than four dwelling 
units located in an extremely high-cost area as 
determined by the Secretary,’’ after ‘‘or the Vir-
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gin Islands’’ the first place such term appears; 
and 
(B) by inserting ‘‘, or in the case of a 
project consisting of more than four dwelling 
units in an extremely high-cost area as deter-
mined by the Secretary, in such extremely high- 
cost area,’’ after ‘‘or the Virgin Islands’’ the 
second place such term appears; and 
(3) in the section heading, by striking ‘‘AND 
THE VIRGIN ISLANDS’’ and inserting ‘‘THE VIRGIN 
ISLANDS, AND EXTREMELY HIGH-COST AREAS’’. 
(c) EFFECTIVE DATE.—The amendments made by 
this section shall apply to mortgages insured under title 
II of the National Housing Act after September 30, 2011. 
SEC. 14. MORTGAGE INSURANCE PREMIUM REFUNDS. 
(a) AUTHORITY.—The Secretary of Housing and 
Urban Development shall, to the extent that amounts are 
made available pursuant to subsection (c), provide refunds 
of unearned premium charges paid at the time of insur-
ance for mortgage insurance under title II of the National 
Housing Act (12 U.S.C. 1707 et seq.) to or on behalf of 
mortgagors under mortgages described in subsection (b). 
(b) ELIGIBLE MORTGAGES.—A mortgage described 
in this section is a mortgage on a one- to four-family 
dwelling that— 
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(1) was insured under title II of the National 
Housing Act (12 U.S.C. 1707 et seq.); 
(2) is otherwise eligible, under the last sentence 
of subparagraph (A) of section 203(c)(2) of such Act 
(12 U.S.C. 1709(c)(2)(A)), for a refund of all un-
earned premium charges paid on the mortgage pur-
suant to such subparagraph, except that the mort-
gage— 
(A) was closed before December 8, 2004; 
and 
(B) was endorsed on or after such date. 
(c) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated for each fiscal year such 
sums as may be necessary to provide refunds of unearned 
mortgage insurance premiums pursuant to this section. 
Æ 
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