‘‘(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 de-
nied 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 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. 
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SEC. 12. TREATMENT OF RELOCATION FOR ACTIVE DUTY 
FOR PURPOSES OF MORTGAGE REFINANCING. 
(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 REFINANCING. 
‘‘(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 mort-
gagor under an existing mortgage does not reside in 
the residence that secures the existing mortgage be-
cause of relocation described in subsection (c)(1)(B), 
such servicemember inquires about or applies for a 
covered refinancing mortgage, such servicemember 
shall be, for all purposes relating to the covered refi-
nancing mortgage, including such inquiry or applica-
tion and eligibility for and compliance with any un-
derwriting criteria and standards regarding such cov-
ered refinancing mortgage, considered to occupy the 
residence that secures the existing mortgage to be paid 
or prepaid by such covered refinancing mortgage as 
the principal residence of the servicemember during 
the period of any such relocation. 
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‘‘(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 refinancing 
mortgage pursuant to this section. 
‘‘(b) MORTGAGES ORIGINATED BEFORE PERIOD MILI-
TARY SERVICE.—If a covered refinancing mortgage is en-
tered into pursuant to this section with respect to an exist-
ing mortgage that originated before the period of the 
servicemember’s military service, such covered refinancing 
mortgage shall be deemed to be an obligation that originated 
before the period of the servicemember’s military service and 
for which the servicemember is still obligated for purposes 
of section 303(a)(1). 
‘‘(c) DEFINITIONS.—In this section: 
‘‘(1) EXISTING MORTGAGE.—The term ‘existing 
mortgage’ means a mortgage that is secured by a 1- 
to 4-family residence, including a condominium or a 
share in a cooperative ownership housing association, 
that was the principal residence of a servicemember 
for a period that— 
‘‘(A) had a duration of 13 consecutive 
months or longer; and 
‘‘(B) ended upon the relocation of the serv-
icemember caused by the servicemember receiving 
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military orders for a permanent change of sta-
tion or to deploy with a military unit, or as an 
individual in support of a military operation, 
for a period of not less than 90 days that did not 
allow the servicemember to continue to occupy 
such residence as a principal residence. 
‘‘(2) COVERED
REFINANCING
MORTGAGE.—The 
term ‘covered refinancing mortgage’ means any mort-
gage— 
‘‘(A) that is made for the purpose of paying 
or prepaying, and extinguishing, the outstanding 
obligations under an existing mortgage or mort-
gages; and 
‘‘(B) that is secured by the same residence 
that secured such existing mortgage or mort-
gages.’’. 
(b) CLERICAL AMENDMENT.—The table of contents for 
such Act is amended by inserting after the item relating 
to section 303A the following new item: 
‘‘Sec. 303B. Treatment of relocation for active duty for purposes of mortgage refi-
nancing.’’. 
(c) 
EFFECTIVE
DATE.—Section 
303B 
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. 
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