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‘‘(2) was obtained from an accredited theological
seminary as listed in the Association of Theological
Schools (ATS) handbook.
‘‘(b) ELIGIBLE PERSONS.—(1) Except as provided in
paragraph (2), a person described in this subsection is a
person who—
‘‘(A) satisfies the requirements specified in sub-
section (c);
‘‘(B) holds, or is fully qualified for, an appoint-
ment as a chaplain in a reserve component of an
armed force; and
‘‘(C) signs a written agreement to serve not less
than three years in the Selected Reserve.
‘‘(2) A person accessioned into the Chaplain Candidate
Program is not eligible for the repayment of loans under
subsection (a).
‘‘(c) 
ACADEMIC
AND
PROFESSIONAL
REQUIRE-
MENTS.—The requirements specified in this subsection are
such requirements for accessioning and commissioning of
chaplains as are prescribed by the Secretary concerned in
regulations.
‘‘(d) LOAN REPAYMENT.—(1) Subject to paragraph
(2), the repayment of a loan under this section may consist
of payment of the principal, interest, and related expenses
of such loan.
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‘‘(2) The amount of any repayment of a loan made
under this section on behalf of a person may not exceed
$20,000 for each three year period of obligated service that
the person agrees to serve in an agreement described in sub-
section (b)(3). Of such amount, not more than an amount
equal to 50 percent of such amount may be paid before the
completion by the person of the first year of obligated service
pursuant to such agreement. The balance of such amount
shall be payable at such time or times as are prescribed
by the Secretary concerned in regulations.
‘‘(e) EFFECT OF FAILURE TO COMPLETE OBLIGA-
TION.—A person on behalf of whom repayment of a loan
is made under this section who fails, during the period of
obligated service the person agrees to serve in an agreement
described in subsection (b)(3), to serve satisfactorily in the
Selected Reserve may, at the election of the Secretary con-
cerned, be required to pay the United States an amount
equal to any amount of repayments made on behalf of the
person in connection with the agreement.’’.
(b) CLERICAL AMENDMENT.—The table of sections at
the beginning of chapter 1609 of such title is amended by
adding at the end the following new item:
‘‘16303. Education loan repayment program: chaplains serving in the Selected Re-
serve.’’.
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SEC. 676. SERVICEMEMBERS RIGHTS UNDER THE HOUSING
AND URBAN DEVELOPMENT ACT OF 1968.
(a) IN GENERAL.—Section 106(c)(5)(A)(ii) of the
Housing and Urban Development Act of 1968 (12 U.S.C.
1701x(c)(5)(A)(ii)) is amended—
(1) in subclause (II), by striking ‘‘; and’’ and in-
serting a semicolon;
(2) in subclause (III), by striking the period and
inserting ‘‘; and’’; and
(3) by adding at the end the following:
‘‘(IV) notify the homeowner by a
statement or notice, written in plain
English by the Secretary of Housing
and Urban Development, in consulta-
tion with the Secretary of Defense and
the Secretary of the Treasury, explain-
ing the mortgage and foreclosure rights
of servicemembers, and the dependents
of such servicemembers, under the
Servicemembers Civil Relief Act (50
U.S.C. App. 501 et seq.), including the
toll-free military one source number to
call if servicemembers, or the depend-
ents of such servicemembers, require
further assistance.’’.