IIB 
112TH CONGRESS 
1ST SESSION H. R. 1263 
IN THE SENATE OF THE UNITED STATES 
OCTOBER 12, 2011 
Received; read twice and referred to the Committee on Veterans’ Affairs 
AN ACT 
To amend the Servicemembers Civil Relief Act to provide 
surviving spouses with certain protections relating to 
mortgages and mortgage foreclosures, and for other pur-
poses. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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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.—During 
the five-year period beginning on the date of the enact-
ment of this subsection, with respect to a servicemember 
who dies while in military service and whose death is serv-
ice-connected, this section shall apply to the surviving 
spouse of the servicemember if such spouse is the suc-
cessor 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— 
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(1) by redesignating subsections (d) and (e) as 
subsections (e) and (f), respectively; and 
(2) by inserting after subsection (c) the fol-
lowing new subsection (d): 
‘‘(d) LENDING INSTITUTION REQUIREMENTS.— 
‘‘(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 
distributing information to servicemembers whose 
obligations and liabilities are covered by this section. 
‘‘(2) TOLL-FREE TELEPHONE NUMBER.—Dur-
ing any fiscal year, a lending institution subject to 
the requirements of this section that had annual as-
sets 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 
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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’’. 
(2) PERIOD
OF
RELIEF
FROM
SALE, FORE-
CLOSURE, OR SEIZURE.—Section 303(c) of such Act 
(50 U.S.C. App. 533(c)) is amended by striking 
‘‘within 9 months’’ and inserting ‘‘within 12 
months’’. 
(3) SUNSET.—The amendments made by para-
graphs (1) and (2) shall expire on December 31, 
2017. Effective January 1, 2018, the provisions of 
subsections (b) and (c) of section 303 of the 
Servicemembers Civil Relief Act, as in effect on the 
day before the date of the enactment of the Housing 
and Economic Recovery Act of 2008 (Public Law 
110–289), are hereby revived. 
(b) REPEAL
OF SUPERCEDED PROVISION.—Sub-
section (c) of section 2203 of the Housing and Economic 
Recovery Act of 2008 (Public Law 110–289; 50 U.S.C. 
App. 533 note) is amended to read as follows: 
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‘‘(c) EFFECTIVE DATE.—The amendments made by 
subsection (a) shall take effect on the date of the enact-
ment of this Act.’’. 
Passed the House of Representatives October 11, 
2011. 
Attest: 
KAREN L. HAAS, 
Clerk. 
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