IB 
Union Calendar No. 153 
112TH CONGRESS 
1ST SESSION H. R. 1263 
[Report No. 112–234] 
To amend the Servicemembers Civil Relief Act to provide surviving spouses 
with certain protections relating to mortgages and mortgage foreclosures. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 30, 2011 
Mr. FILNER introduced the following bill; which was referred to the 
Committee on Veterans’ Affairs 
OCTOBER 5, 2011 
Reported with amendments, committed to the Committee of the Whole House 
on the State of the Union, and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
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A BILL 
To amend the Servicemembers Civil Relief Act to provide 
surviving spouses with certain protections relating to 
mortgages and mortgage foreclosures. 
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Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. EXPANSION OF PROTECTIONS RELATING TO 
MORTGAGES
AND
MORTGAGE
FORE-
CLOSURES FOR SURVIVING SPOUSES. 
(a) PROTECTION FOR SURVIVING SPOUSE.—Section 
303 of the Servicemembers Civil Relief Act (50 U.S.C. 
App. 533) is amended by adding at the end the following 
new subsection: 
‘‘(e) PROTECTION FOR SURVIVING SPOUSE.—With 
respect to a servicemember who dies while in military serv-
ice and whose death is service-connected, this section shall 
apply to the surviving spouse of the servicemember if such 
spouse is the successor in interest to property covered 
under subsection (a).’’. 
(b) EFFECTIVE DATE.—Subsection (e) of section 303 
of such Act, as added by subsection (a), shall apply to 
a surviving spouse of a servicemember whose death is on 
or after the date of the enactment of this Act. 
SECTION 1. EXPANSION OF PROTECTIONS RELATING TO 
MORTGAGES 
AND 
MORTGAGE 
FORE-
CLOSURES FOR SURVIVING SPOUSES. 
(a) PROTECTION FOR SURVIVING SPOUSE.—Section 
303 of the Servicemembers Civil Relief Act (50 U.S.C. App. 
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533) is amended by adding at the end the following new 
subsection: 
‘‘(e) PROTECTION FOR SURVIVING SPOUSE.—During 
the five-year period beginning on the date of the enactment 
of this subsection, with respect to a servicemember who dies 
while in military service and whose death is service-con-
nected, this section shall apply to the surviving spouse of 
the servicemember if such spouse is the successor in interest 
to property covered under subsection (a).’’. 
(b) EFFECTIVE DATE.—Subsection (e) of section 303 
of such Act, as added by subsection (a), shall apply to a 
surviving spouse of a servicemember whose death is on or 
after the date of the enactment of this Act. 
SEC. 2. REQUIREMENTS FOR LENDING INSTITUTIONS THAT 
ARE CREDITORS FOR OBLIGATIONS AND LI-
ABILITIES 
COVERED 
BY 
THE 
SERVICEMEMBERS CIVIL RELIEF ACT. 
Section 207 of the Servicemembers Civil Relief Act is 
amended— 
(1) by redesignating subsections (d) and (e) as 
subsections (e) and (f), respectively; and 
(2) by inserting after subsection (c) the following 
new subsection (d): 
‘‘(d) LENDING INSTITUTION REQUIREMENTS.— 
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‘‘(1) COMPLIANCE OFFICERS.—Each lending in-
stitution subject to the requirements of this section 
shall designate an employee of the institution as a 
compliance officer who is responsible for ensuring the 
institution’s compliance with this section and for dis-
tributing information to servicemembers whose obliga-
tions and liabilities are covered by this section. 
‘‘(2) TOLL-FREE TELEPHONE NUMBER.—During 
any fiscal year, a lending institution subject to the re-
quirements of this section that had annual assets for 
the preceding fiscal year of $10,000,000,000 or more 
shall maintain a toll-free telephone number and shall 
make such telephone number available on the primary 
Internet Web site of the institution.’’. 
SEC. 3. EXTENSION OF PERIOD OF PROTECTIONS FOR 
SERVICEMEMBERS 
AGAINST 
MORTGAGE 
FORECLOSURES. 
(a) EXTENDED PERIOD OF PROTECTIONS.— 
(1) STAY OF PROCEEDINGS AND PERIOD OF AD-
JUSTMENT OF OBLIGATIONS RELATING TO REAL OR 
PERSONAL
PROPERTY.—Section 
303(b) 
of 
the 
Servicemembers Civil Relief Act (50 U.S.C. App. 
533(b)) is amended by striking ‘‘within 9 months’’ 
and inserting ‘‘within 12 months’’. 
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