In 2008, Congress passed legislation which extended the protection from foreclosure actions for active duty service members up to 9 months after the end of the period of military service. In 2012, Congress extended that time to 12 months after the end of the military service. When the prior legislation expired at the end of 2015 the protection for service members reverted to a period of 90 days after the end of the military service period.

The law as currently adopted extends the protection for 12 months after the end of the military service period. In addition, the sunset provision of the act is now extended through December 31, 2017. The act as retroactive to January 1, 2016.

The law applies to obligations of service members secured by a mortgage, trust deed or other security in the nature of a mortgage on real or personal property which originated before the period of military service for which the service member is still obligated.

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