originated during each calendar quarter occur-
ring during the applicable collection period, 
disaggregated by the direct endorsement mort-
gagee from whom such entity acquired such serv-
icing.’’. 
(b) APPLICABILITY.—Information described in sub-
paragraph (C) of section 540(b)(2) of the National Housing 
Act, as added by subsection (a) of this section, shall first 
be made available under such section 540 for the applicable 
collection period (as such term is defined in such section) 
relating to the first calendar quarter ending after the expi-
ration of the 12-month period that begins on the date of 
the enactment of this Act. 
SEC. 14. THIRD PARTY SERVICER OUTREACH. 
(a) AUTHORITY.—The Secretary of Housing and 
Urban Development may, to the extent any amounts for fis-
cal year 2010 or 2011 are made available in advance in 
appropriation Acts for reimbursements under this section, 
provide reimbursement to servicers of covered mortgages (as 
such term is defined in subsection (e)) for costs of obtaining 
the services of independent third parties meeting the re-
quirements under subsection (b) of this section to make in- 
person contact with mortgagors under covered mortgages 
whose payments under such mortgages are 60 or more days 
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emcdonald on DSK2BSOYB1PROD with BILLS
past due, solely for the purposes of providing information 
to such mortgagors regarding— 
(1) available counseling by housing counseling 
agencies approved by the Secretary ; and 
(2) available mortgage loan modification, refi-
nance, and assistance programs. 
(b) QUALIFIED INDEPENDENT THIRD PARTIES.—An 
independent third party meets the requirements of this sub-
section 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 section 
for in-person contact about available mortgage loan 
modification, refinance, and assistance programs; and 
(2) does not charge any fees or require other pay-
ments, directly or indirectly, from any mortgagor for 
making in-person contact and providing information 
and documents under this section. 
(c) TREATMENT OF PERSONAL, NON-PUBLIC, AND CON-
FIDENTIAL INFORMATION.—An independent third party 
whose services are obtained using amounts made available 
for use under this section and the mortgage servicer obtain-
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ing such services shall not use, disclose, or distribute any 
personal, non-public, or confidential information about a 
mortgagor obtained during an in-person contact with the 
mortgagor, except for purposes of engaging in the process 
of modification or refinance of the covered 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 pay-
ments under the covered mortgage of the mortgagor 
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— 
(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 provide 
the in-person contact at no charge to the mort-
gagor; 
(C) that the independent third party is an 
agent of the mortgage servicer; 
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(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 proc-
ess of modification or refinance of the covered 
mortgage; 
(F) any other information that the Sec-
retary determines should be disclosed. 
(e) 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, section 
234(c), or 251 of the National Housing Act (12 U.S.C. 
1709, 1715y, 1715z–16). 
SEC. 15. GAO REPORTS ON FHA AND GINNIE MAE. 
Not later than the expiration of the 12-month period 
beginning on the date of the enactment of this Act, the 
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