I 
111TH CONGRESS 
1ST SESSION H. R. 2181 
To require servicers of mortgages on single family homes to provide notice 
to mortgagors of possible eligibility for Federal mortgage assistance. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 29, 2009 
Ms. TITUS (for herself and Mr. CARDOZA) introduced the following bill; which 
was referred to the Committee on Financial Services 
A BILL 
To require servicers of mortgages on single family homes 
to provide notice to mortgagors of possible eligibility 
for Federal mortgage assistance. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Mortgage Assistance 
Information and Scam Prevention Act of 2009’’. 
SEC. 2. NOTIFICATION OF FEDERAL ASSISTANCE. 
(a) NOTICE REQUIREMENT.—The Secretary of Hous-
ing and Urban Development (in this section referred to 
as the ‘‘Secretary’’) shall require each covered servicer to 
provide notice in accordance with this section to each 
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mortgagor under a covered mortgage serviced by such 
servicer. 
(b) COVERED SERVICERS; SERVICER.— 
(1) COVERED
SERVICERS.—For purposes of 
this section, the term ‘‘covered servicer’’ means any 
servicer of a covered mortgage that has received any 
payments or fees under the Making Home Afford-
able Program of the Secretary of the Treasury, or 
under any program of the Department of Housing 
and Urban Development, in an aggregate amount of 
$1,000 or more. 
(2) SERVICER.—For purposes of this section, 
the term ‘‘servicer’’ has the meaning given such 
term in section 6(i) of the Real Estate Settlement 
Procedures Act of 1974 (12 U.S.C. 2605). 
(c) COVERED MORTGAGES.—For purposes of this 
section, the term ‘‘covered mortgage’’ means a first mort-
gage (as such term is defined in section 201 of the Na-
tional Housing Act (12 U.S.C. 1707)) on residential real 
property designed principally for occupancy of one to four 
families. 
(d) CONTENT.—Notice in accordance with this sec-
tion shall be notice, containing such information as the 
Secretary shall require, that is sufficient— 
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(1) to notify the mortgagor that the mortgagor 
may be eligible for Federal or federally related as-
sistance for homeowners; 
(2) to identify specific programs of the Depart-
ment of Housing and Urban Development, the Rural 
Housing Service of the Department of Agriculture, 
the Department of Veterans Affairs, the Department 
of the Treasury, the Federal National Mortgage As-
sociation, the Federal Home Loan Mortgage Cor-
poration, the Federal Home Loan Banks, and any 
other Federal or federally related agencies or entities 
that provide home mortgage relief, home mortgage 
refinancing, home loan modification, home mortgage 
foreclosure mitigation, homeowner stability or af-
fordability, or other homeowner assistance, includ-
ing— 
(A) the HOPE for Homeowners Program 
under section 257 of the National Housing Act 
(12 U.S.C. 1715z–23); 
(B) FHA programs for mortgage refi-
nancing under title II of such Act (12 U.S.C. 
1707 et seq.); and 
(C) programs for homeowners under the 
Homeowner Affordability and Stability Plan of 
the Secretary of the Treasury; and 
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(3) to explain how the mortgagor can obtain 
further information regarding such programs. 
(e) FORM AND MANNER.—Notice in accordance with 
this section with respect to a covered mortgage shall be 
provided in a form as shall be prescribed by the Secretary, 
and shall be provided by the same means, such as in writ-
ing provided by mail or in electronic form provided by elec-
tronic mail, that the servicer regularly uses for commu-
nication with the mortgagor under the mortgage. 
(f) PERIOD AND FREQUENCY OF NOTICE.—Notice in 
accordance with this section with respect to a covered 
mortgage shall be provided not less than once each cal-
endar quarter during the period that begins upon the ap-
plicability of the requirement under this section (pursuant 
to subsections (a) and (b)) to the servicer of the mortgage 
and ends upon a determination by the Secretary of Hous-
ing and Urban Development that payments to mortgage 
servicers under the programs referred to in subsection 
(b)(1) have terminated. 
Æ 
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