H.R. 100House108th Congress (2003-2005)Enacted

Servicemembers Civil Relief Act

Introduced January 7, 2003

Legislative Activity

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31 earlier actions
Became Law Latest Action

Became Public Law No: 108-189.

December 19, 2003

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HouseIntro Referral

Introduced in House

January 7, 2003

HouseIntro Referral

Sponsor introductory remarks on measure. (CR E14)

January 7, 2003

HouseIntro Referral

Referred to the House Committee on Veterans' Affairs.

January 7, 2003

HouseCommittee

Executive Comment Requested from SBA.

January 21, 2003

HouseCommittee

Referred to the Subcommittee on Benefits.

February 20, 2003

HouseCommittee

Subcommittee on Benefits Discharged.

April 1, 2003

HouseCommittee

Favorable Executive Comment Received from SBA.

April 2, 2003

HouseCommittee

Committee Consideration and Mark-up Session Held.

April 3, 2003

HouseCommittee

Ordered to be Reported in the Nature of a Substitute by Voice Vote.

April 3, 2003

HouseCommittee

Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 108-81.

April 30, 2003

HouseCalendars

Placed on the Union Calendar, Calendar No. 45.

April 30, 2003

HouseFloor

Mr. Smith (NJ) moved to suspend the rules and pass the bill, as amended.

May 7, 2003 • 10:24 AM

HouseFloor

Considered under suspension of the rules. (consideration: CR H3688-3700)

May 7, 2003 • 10:24 AM

HouseFloor

DEBATE - The House proceeded with forty minutes of debate on H.R. 100.

May 7, 2003 • 10:24 AM

HouseFloor

At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.

May 7, 2003 • 10:50 AM

HouseFloor

Considered as unfinished business. (consideration: CR H3712-3713)

May 7, 2003 • 12:22 PM

HouseFloor

Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 425 - 0 (Roll no. 163).(text: CR H3688-3696)

May 7, 2003 • 12:29 PM

HouseFloor

Motion to reconsider laid on the table Agreed to without objection.

May 7, 2003 • 12:29 PM

HouseFloor

On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 425 - 0 (Roll no. 163). (text: CR H3688-3696)

May 7, 2003 • 12:29 PM

SenateIntro Referral

Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.

May 8, 2003

SenateCommittee

Senate Committee on Veterans' Affairs discharged by Unanimous Consent.

November 21, 2003

SenateFloor

Measure laid before Senate by unanimous consent. (consideration: CR S15499)

November 21, 2003

SenateFloor

Senate struck all after the Enacting Clause and substituted the language of S. 1136 amended.

November 21, 2003

SenateFloor

Passed Senate with an amendment by Unanimous Consent.

November 21, 2003

SenateFloor

Message on Senate action sent to the House.

November 25, 2003

HouseResolving Differences

Mr. Smith (NJ) asked unanimous consent that the House agree to the Senate amendment. (consideration: CR H12868-12878)

December 8, 2003 • 5:28 PM

HouseNot Used

Resolving differences -- House actions: On motion that the House agree to the Senate amendment Agreed to without objection.(text as House agreed to Senate amendment: CR H12868-12876)

December 8, 2003

HouseResolving Differences

On motion that the House agree to the Senate amendment Agreed to without objection. (text as House agreed to Senate amendment: CR H12868-12876)

December 8, 2003 • 5:37 PM

HouseResolving Differences

Motion to reconsider laid on the table Agreed to without objection.

December 8, 2003 • 5:38 PM

President

Presented to President.

December 12, 2003

Became Law

Signed by President.

December 19, 2003

Became Law

Became Public Law No: 108-189.

December 19, 2003

Floor Debate

24 members

What members said about H.R. 100 on the floor

10 Republicans13 Democrats1 Independent
Christopher S. Bond
Sen. Christopher S. BondR-MO · Feb 4, 2004

Will my friend from Nevada yield for a question? Mr. President, I appreciate very much my distinguished copartner on the Transportation Subcommittee talking about the need to get this bill through…

James M. Inhofe
Sen. James M. InhofeR-OK · Feb 4, 2004

Yesterday, we had several occasions where we were trying to stay on the bill, and we kept saying: All right, one more person, one more person, one more person. As manager of the bill, I am going to…

Dianne Feinstein
Sen. Dianne FeinsteinD-CA · May 22, 2003

Mr. President, I rise today to introduce a bill to prevent unnecessary hardship for ranching families in the Sierra Nevada Mountains. This summer, restrictions imposed for the Yosemite Toad and…

Patty Murray
Sen. Patty MurrayD-WA · May 22, 2003

Mr. President, today I rise to introduce legislation to do what should have been done decades ago: fully ban asbestos in the United States. I am introducing the Ban Asbestos in America Act of 2003 to…

John F. Kerry
Sen. John F. KerryD-MA · May 22, 2003

Mr. President, I rise today with my colleague, Ms. Snowe, to introduce the Fishing Quota Act of 2003, legislation to establish national criteria governing the use of individual fishing quota IFQ…

Show 8 more
James M. Jeffords
Sen. James M. JeffordsI-VT · Feb 4, 2004

I thank the chairman. As has been pointed out already by one of our members, the bill we are talking about is rather extensive. But it was not done quickly or without the tremendous work of staff and…

Arlen Specter
Sen. Arlen SpecterR-PA · May 22, 2003

Mr. President, I have sought recognition to comment on legislation I am introducing today to provide a cost-of-living, COLA, adjustment for certain veterans' benefits programs. This COLA adjustment…

Jeff Bingaman
Sen. Jeff BingamanD-NM · May 22, 2003

Mr. President, I rise today to introduce the Trade Adjustment Assistance for Communities Act of 2003. This legislation is co-sponsored by Senators Baucus, Rockefeller, Daschle, Murray, Cantwell,…

Thomas A. Daschle
Sen. Thomas A. DaschleD-SD · Feb 4, 2004

Mr. President, if we have an impasse about scheduling this afternoon, I wonder if it would be appropriate to ask consent that we have morning business tomorrow immediately after we commence Senate…

Max Baucus
Sen. Max BaucusD-MT · May 22, 2003

Mr. President, I rise today in support of the Trade Adjustment Assistance for Communities Act of 2003. I want to commend Senator Bingaman for introducing this bill today. He has been a strong…

Russell D. Feingold
Sen. Russell D. FeingoldD-WI · May 22, 2003

Mr. President, I am pleased today to introduce the Settlement Encouragement and Fairness Act of 2003. This bill provides that when plaintiffs bring a lawsuit that acts as a catalyst for a change in…

Harry Reid
Sen. Harry ReidD-NV · Feb 4, 2004

Mr. President, if the Senator will yield, I think we could probably work this out. Why don't we go ahead and get rid of the Bond amendment--all they want is a time certain--and have them come and…

Christopher H. Smith
Rep. Christopher H. SmithR-NJ-4 · May 7, 2003

Mr. Speaker, I move to suspend the rules and pass the bill (H.R. 100) to restate, clarify, and revise the Soldiers' and Sailors' Civil Relief Act of 1940, as amended. Mr. Speaker, I yield myself such…

Show 11 more
William H. Frist
Sen. William H. FristR-TN · Feb 4, 2004

Mr. President, this morning the Senate and House were privileged to conduct a joint meeting--a wonderful meeting--to hear a powerful address by President Aznar of Spain. I again thank President…

Wayne Allard
Sen. Wayne AllardR-CO · Feb 4, 2004

Mr. President, I thank the Senator from Wyoming for his statement. I have worked with him on the Environment and Public Works Committee on this important piece of legislation. The fact is there are a…

Bob Graham
Sen. Bob GrahamD-FL · May 22, 2003

Mr. President, today I am re-introducing legislation that will improve the effectiveness of one of the most successful programs we have to help Americans get affordable housing, the Low-Income…

Judd Gregg
Sen. Judd GreggR-NH · Feb 4, 2004

Mr. President, I rise again as we proceed on the bill to present my concerns about where we are in the process relative to the highway bill and relative to the management of the Federal budget. The…

Frank R. Lautenberg
Sen. Frank R. LautenbergD-NJ · May 22, 2003

Mr. President, today, I am proud to introduce, along with my colleagues Senator DeWine and Senator Feinstein, legislation which will make our roads safer and last longer. Anyone who has ever shared…

Craig Thomas
Sen. Craig ThomasR-WY · Feb 4, 2004

Mr. President, I thank my friend from Missouri. I am glad this conversation is going on. Certainly there isn't anything before us that is more immediate in need and more important than this highway…

Tim Johnson
Sen. Tim JohnsonD-SD · May 22, 2003

Mr. President, today, I proudly join with Senator Kerry and Senator Smith to reintroduce the Native American Small Business Development Act. This important legislation is designed to help American…

Tom Harkin
Sen. Tom HarkinD-IA · May 22, 2003

Mr. President, today I am introducing the Meat and Poultry Pathogen Reduction Act of 2003. This legislation, commonly known as Kevin's Law, is dedicated to the memory of 2-year-old Kevin Kowalcyk,…

Orrin G. Hatch
Sen. Orrin G. HatchR-UT · May 22, 2003

Mr. President, today I am pleased to introduce the ``Medicare Physician Payment Equity Act of 2003,'' a bill that corrects a long-standing inequity in Medicare reimbursement to rural physicians. I am…

Joseph R. Biden Jr.
Sen. Joseph R. Biden Jr.D-DE · May 22, 2003

Mr. President, I rise today to help introduce a bill with my good friend from California that will bring new and needed tools to the battle to end violence against children in America, whether it…

Olympia J. Snowe
Sen. Olympia J. SnoweR-ME · May 22, 2003

Mr. President, I rise today, along with Senator Kerry, to introduce the Fishing Quota Act of 2003 which will address one of the most complex policy questions in fisheries management--fishing quotas.…

Bill Text

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Enrolled BillPublication date not provided
        [Congressional Bills 108th Congress]
[From the U.S. Government Publishing Office]
[H.R. 100 Enrolled Bill (ENR)]

H.R.100

One Hundred Eighth Congress

of the

United States of America

AT THE FIRST SESSION

Begun and held at the City of Washington on Tuesday,
the seventh day of January, two thousand and three

An Act

To restate, clarify, and revise the Soliders' and Sailors' Civil Relief
Act of 1940.

Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,

SECTION 1. RESTATEMENT OF ACT.

The Soldiers' and Sailors' Civil Relief Act of 1940 (50 U.S.C. App.
501 et seq.) is amended to read as follows:

``SECTION 1. SHORT TITLE; TABLE OF CONTENTS.

``(a) Short Title.--This Act may be cited as the `Servicemembers
Civil Relief Act'.
``(b) Table of Contents.--The table of contents of this Act is as
follows:

``Sec. 1. Short title; table of contents.
``Sec. 2. Purpose.

``TITLE I--GENERAL PROVISIONS

``Sec. 101. Definitions.
``Sec. 102. Jurisdiction and applicability of Act.
``Sec. 103. Protection of persons secondarily liable.
``Sec. 104. Extension of protections to citizens serving with allied
forces.
``Sec. 105. Notification of benefits.
``Sec. 106. Extension of rights and protections to Reserves ordered to
report for military service and to persons ordered to report
for induction.
``Sec. 107. Waiver of rights pursuant to written agreement.
``Sec. 108. Exercise of rights under Act not to affect certain future
financial transactions.
``Sec. 109. Legal representatives.

``TITLE II--GENERAL RELIEF

``Sec. 201. Protection of servicemembers against default judgments.
``Sec. 202. Stay of proceedings when servicemember has notice.
``Sec. 203. Fines and penalties under contracts.
``Sec. 204. Stay or vacation of execution of judgments, attachments, and
garnishments.
``Sec. 205. Duration and term of stays; codefendants not in service.
``Sec. 206. Statute of limitations.
``Sec. 207. Maximum rate of interest on debts incurred before military
service.

``TITLE III--RENT, INSTALLMENT CONTRACTS, MORTGAGES, LIENS, ASSIGNMENT,
LEASES

``Sec. 301. Evictions and distress.
``Sec. 302. Protection under installment contracts for purchase or
lease.
``Sec. 303. Mortgages and trust deeds.
``Sec. 304. Settlement of stayed cases relating to personal property.
``Sec. 305. Termination of residential or motor vehicle leases.
``Sec. 306. Protection of life insurance policy.
``Sec. 307. Enforcement of storage liens.
``Sec. 308. Extension of protections to dependents.

``TITLE IV--LIFE INSURANCE

``Sec. 401. Definitions.
``Sec. 402. Insurance rights and protections.
``Sec. 403. Application for insurance protection.
``Sec. 404. Policies entitled to protection and lapse of policies.
``Sec. 405. Policy restrictions.
``Sec. 406. Deduction of unpaid premiums.
``Sec. 407. Premiums and interest guaranteed by United States.
``Sec. 408. Regulations.
``Sec. 409. Review of findings of fact and conclusions of law.

``TITLE V--TAXES AND PUBLIC LANDS

``Sec. 501. Taxes respecting personal property, money, credits, and real
property.
``Sec. 502. Rights in public lands.
``Sec. 503. Desert-land entries.
``Sec. 504. Mining claims.
``Sec. 505. Mineral permits and leases.
``Sec. 506. Perfection or defense of rights.
``Sec. 507. Distribution of information concerning benefits of title.
``Sec. 508. Land rights of servicemembers.
``Sec. 509. Regulations.
``Sec. 510. Income taxes.
``Sec. 511. Residence for tax purposes.

``TITLE VI--ADMINISTRATIVE REMEDIES

``Sec. 601. Inappropriate use of Act.
``Sec. 602. Certificates of service; persons reported missing.
``Sec. 603. Interlocutory orders.

``TITLE VII--FURTHER RELIEF

``Sec. 701. Anticipatory relief.
``Sec. 702. Power of attorney.
``Sec. 703. Professional liability protection.
``Sec. 704. Health insurance reinstatement.
``Sec. 705. Guarantee of residency for military personnel.
``Sec. 706. Business or trade obligations.

``SEC. 2. PURPOSE.

``The purposes of this Act are--
``(1) to provide for, strengthen, and expedite the national
defense through protection extended by this Act to servicemembers
of the United States to enable such persons to devote their entire
energy to the defense needs of the Nation; and
``(2) to provide for the temporary suspension of judicial and
administrative proceedings and transactions that may adversely
affect the civil rights of servicemembers during their military
service.

``TITLE I--GENERAL PROVISIONS

``SEC. 101. DEFINITIONS.

``For the purposes of this Act:
``(1) Servicemember.--The term `servicemember' means a member
of the uniformed services, as that term is defined in section
101(a)(5) of title 10, United States Code.
``(2) Military service.--The term `military service' means--
``(A) in the case of a servicemember who is a member of the
Army, Navy, Air Force, Marine Corps, or Coast Guard--
``(i) active duty, as defined in section 101(d)(1) of
title 10, United States Code, and
``(ii) in the case of a member of the National Guard,
includes service under a call to active service authorized
by the President or the Secretary of Defense for a period
of more than 30 consecutive days under section 502(f) of
title 32, United States Code, for purposes of responding to
a national emergency declared by the President and
supported by Federal funds;
``(B) in the case of a servicemember who is a commissioned
officer of the Public Health Service or the National Oceanic
and Atmospheric Administration, active service; and
``(C) any period during which a servicemember is absent
from duty on account of sickness, wounds, leave, or other
lawful cause.
``(3) Period of military service.--The term `period of military
service' means the period beginning on the date on which a
servicemember enters military service and ending on the date on
which the servicemember is released from military service or dies
while in military service.
``(4) Dependent.--The term `dependent', with respect to a
servicemember, means--
``(A) the servicemember's spouse;
``(B) the servicemember's child (as defined in section
101(4) of title 38, United States Code); or
``(C) an individual for whom the servicemember provided
more than one-half of the individual's support for 180 days
immediately preceding an application for relief under this Act.
``(5) Court.--The term `court' means a court or an
administrative agency of the United States or of any State
(including any political subdivision of a State), whether or not a
court or administrative agency of record.
``(6) State.--The term `State' includes--
``(A) a commonwealth, territory, or possession of the
United States; and
``(B) the District of Columbia.
``(7) Secretary concerned.--The term `Secretary concerned'--
``(A) with respect to a member of the armed forces, has the
meaning given that term in section 101(a)(9) of title 10,
United States Code;
``(B) with respect to a commissioned officer of the Public
Health Service, means the Secretary of Health and Human
Services; and
``(C) with respect to a commissioned officer of the
National Oceanic and Atmospheric Administration, means the
Secretary of Commerce.
``(8) Motor vehicle.--The term `motor vehicle' has the meaning
given that term in section 30102(a)(6) of title 49, United States
Code.

``SEC. 102. JURISDICTION AND APPLICABILITY OF ACT.

``(a) Jurisdiction.--This Act applies to--
``(1) the United States;
``(2) each of the States, including the political subdivisions
thereof; and
``(3) all territory subject to the jurisdiction of the United
States.
``(b) Applicability to Proceedings.--This Act applies to any
judicial or administrative proceeding commenced in any court or agency
in any jurisdiction subject to this Act. This Act does not apply to
criminal proceedings.
``(c) Court in Which Application May Be Made.--When under this Act
any application is required to be made to a court in which no
proceeding has already been commenced with respect to the matter, such
application may be made to any court which would otherwise have
jurisdiction over the matter.

``SEC. 103. PROTECTION OF PERSONS SECONDARILY LIABLE.

``(a) Extension of Protection When Actions Stayed, Postponed, or
Suspended.--Whenever pursuant to this Act a court stays, postpones, or
suspends (1) the enforcement of an obligation or liability, (2) the
prosecution of a suit or proceeding, (3) the entry or enforcement of an
order, writ, judgment, or decree, or (4) the performance of any other
act, the court may likewise grant such a stay, postponement, or
suspension to a surety, guarantor, endorser, accommodation maker,
comaker, or other person who is or may be primarily or secondarily
subject to the obligation or liability the performance or enforcement
of which is stayed, postponed, or suspended.
``(b) Vacation or Set-Aside of Judgments.--When a judgment or
decree is vacated or set aside, in whole or in part, pursuant to this
Act, the court may also set aside or vacate, as the case may be, the
judgment or decree as to a surety, guarantor, endorser, accommodation
maker, comaker, or other person who is or may be primarily or
secondarily liable on the contract or liability for the enforcement of
the judgment or decree.
``(c) Bail Bond Not To Be Enforced During Period of Military
Service.--A court may not enforce a bail bond during the period of
military service of the principal on the bond when military service
prevents the surety from obtaining the attendance of the principal. The
court may discharge the surety and exonerate the bail, in accordance
with principles of equity and justice, during or after the period of
military service of the principal.
``(d) Waiver of Rights.--
``(1) Waivers not precluded.--This Act does not prevent a
waiver in writing by a surety, guarantor, endorser, accommodation
maker, comaker, or other person (whether primarily or secondarily
liable on an obligation or liability) of the protections provided
under subsections (a) and (b). Any such waiver is effective only if
it is executed as an instrument separate from the obligation or
liability with respect to which it applies.
``(2) Waiver invalidated upon entrance to military service.--If
a waiver under paragraph (1) is executed by an individual who after
the execution of the waiver enters military service, or by a
dependent of an individual who after the execution of the waiver
enters military service, the waiver is not valid after the
beginning of the period of such military service unless the waiver
was executed by such individual or dependent during the period
specified in section 106.

``SEC. 104. EXTENSION OF PROTECTIONS TO CITIZENS SERVING WITH ALLIED
FORCES.

``A citizen of the United States who is serving with the forces of
a nation with which the United States is allied in the prosecution of a
war or military action is entitled to the relief and protections
provided under this Act if that service with the allied force is
similar to military service as defined in this Act. The relief and
protections provided to such citizen shall terminate on the date of
discharge or release from such service.

``SEC. 105. NOTIFICATION OF BENEFITS.

``The Secretary concerned shall ensure that notice of the benefits
accorded by this Act is provided in writing to persons in military
service and to persons entering military service.

``SEC. 106. EXTENSION OF RIGHTS AND PROTECTIONS TO RESERVES ORDERED TO
REPORT FOR MILITARY SERVICE AND TO PERSONS ORDERED TO
REPORT FOR INDUCTION.

``(a) Reserves Ordered To Report for Military Service.--A member of
a reserve component who is ordered to report for military service is
entitled to the rights and protections of this title and titles II and
III during the period beginning on the date of the member's receipt of
the order and ending on the date on which the member reports for
military service (or, if the order is revoked before the member so
reports, or the date on which the order is revoked).
``(b) Persons Ordered To Report for Induction.--A person who has
been ordered to report for induction under the Military Selective
Service Act (50 U.S.C. App. 451 et seq.) is entitled to the rights and
protections provided a servicemember under this title and titles II and
III during the period beginning on the date of receipt of the order for
induction and ending on the date on which the person reports for
induction (or, if the order to report for induction is revoked before
the date on which the person reports for induction, on the date on
which the order is revoked).

``SEC. 107. WAIVER OF RIGHTS PURSUANT TO WRITTEN AGREEMENT.

``(a) In General.--A servicemember may waive any of the rights and
protections provided by this Act. In the case of a waiver that permits
an action described in subsection (b), the waiver is effective only if
made pursuant to a written agreement of the parties that is executed
during or after the servicemember's period of military service. The
written agreement shall specify the legal instrument to which the
waiver applies and, if the servicemember is not a party to that
instrument, the servicemember concerned.
``(b) Actions Requiring Waivers in Writing.--The requirement in
subsection (a) for a written waiver applies to the following:
``(1) The modification, termination, or cancellation of--
``(A) a contract, lease, or bailment; or
``(B) an obligation secured by a mortgage, trust, deed,
lien, or other security in the nature of a mortgage.
``(2) The repossession, retention, foreclosure, sale,
forfeiture, or taking possession of property that--
``(A) is security for any obligation; or
``(B) was purchased or received under a contract, lease, or
bailment.
``(c) Coverage of Periods After Orders Received.--For the purposes
of this section--
``(1) a person to whom section 106 applies shall be considered
to be a servicemember; and
``(2) the period with respect to such a person specified in
subsection (a) or (b), as the case may be, of section 106 shall be
considered to be a period of military service.

``SEC. 108. EXERCISE OF RIGHTS UNDER ACT NOT TO AFFECT CERTAIN FUTURE
FINANCIAL TRANSACTIONS.

``Application by a servicemember for, or receipt by a servicemember
of, a stay, postponement, or suspension pursuant to this Act in the
payment of a tax, fine, penalty, insurance premium, or other civil
obligation or liability of that servicemember shall not itself (without
regard to other considerations) provide the basis for any of the
following:
``(1) A determination by a lender or other person that the
servicemember is unable to pay the civil obligation or liability in
accordance with its terms.
``(2) With respect to a credit transaction between a creditor
and the servicemember--
``(A) a denial or revocation of credit by the creditor;
``(B) a change by the creditor in the terms of an existing
credit arrangement; or
``(C) a refusal by the creditor to grant credit to the
servicemember in substantially the amount or on substantially
the terms requested.
``(3) An adverse report relating to the creditworthiness of the
servicemember by or to a person engaged in the practice of
assembling or evaluating consumer credit information.
``(4) A refusal by an insurer to insure the servicemember.
``(5) An annotation in a servicemember's record by a creditor
or a person engaged in the practice of assembling or evaluating
consumer credit information, identifying the servicemember as a
member of the National Guard or a reserve component.
``(6) A change in the terms offered or conditions required for
the issuance of insurance.

``SEC. 109. LEGAL REPRESENTATIVES.

``(a) Representative.--A legal representative of a servicemember
for purposes of this Act is either of the following:
``(1) An attorney acting on the behalf of a servicemember.
``(2) An individual possessing a power of attorney.
``(b) Application.--Whenever the term `servicemember' is used in
this Act, such term shall be treated as including a reference to a
legal representative of the servicemember.

``TITLE II--GENERAL RELIEF

``SEC. 201. PROTECTION OF SERVICEMEMBERS AGAINST DEFAULT JUDGMENTS.

``(a) Applicability of Section.--This section applies to any civil
action or proceeding in which the defendant does not make an
appearance.
``(b) Affidavit Requirement.--
``(1) Plaintiff to file affidavit.--In any action or proceeding
covered by this section, the court, before entering judgment for
the plaintiff, shall require the plaintiff to file with the court
an affidavit--
``(A) stating whether or not the defendant is in military
service and showing necessary facts to support the affidavit;
or
``(B) if the plaintiff is unable to determine whether or
not the defendant is in military service, stating that the
plaintiff is unable to determine whether or not the defendant
is in military service.
``(2) Appointment of attorney to represent defendant in
military service.--If in an action covered by this section it
appears that the defendant is in military service, the court may
not enter a judgment until after the court appoints an attorney to
represent the defendant. If an attorney appointed under this
section to represent a servicemember cannot locate the
servicemember, actions by the attorney in the case shall not waive
any defense of the servicemember or otherwise bind the
servicemember.
``(3) Defendant's military status not ascertained by
affidavit.--If based upon the affidavits filed in such an action,
the court is unable to determine whether the defendant is in
military service, the court, before entering judgment, may require
the plaintiff to file a bond in an amount approved by the court. If
the defendant is later found to be in military service, the bond
shall be available to indemnify the defendant against any loss or
damage the defendant may suffer by reason of any judgment for the
plaintiff against the defendant, should the judgment be set aside
in whole or in part. The bond shall remain in effect until
expiration of the time for appeal and setting aside of a judgment
under applicable Federal or State law or regulation or under any
applicable ordinance of a political subdivision of a State. The
court may issue such orders or enter such judgments as the court
determines necessary to protect the rights of the defendant under
this Act.
``(4) Satisfaction of requirement for affidavit.--The
requirement for an affidavit under paragraph (1) may be satisfied
by a statement, declaration, verification, or certificate, in
writing, subscribed and certified or declared to be true under
penalty of perjury.
``(c) Penalty for Making or Using False Affidavit.--A person who
makes or uses an affidavit permitted under subsection (b) (or a
statement, declaration, verification, or certificate as authorized
under subsection (b)(4)) knowing it to be false, shall be fined as
provided in title 18, United States Code, or imprisoned for not more
than one year, or both.
``(d) Stay of Proceedings.--In an action covered by this section in
which the defendant is in military service, the court shall grant a
stay of proceedings for a minimum period of 90 days under this
subsection upon application of counsel, or on the court's own motion,
if the court determines that--
``(1) there may be a defense to the action and a defense cannot
be presented without the presence of the defendant; or
``(2) after due diligence, counsel has been unable to contact
the defendant or otherwise determine if a meritorious defense
exists.
``(e) Inapplicability of Section 202 Procedures.--A stay of
proceedings under subsection (d) shall not be controlled by procedures
or requirements under section 202.
``(f) Section 202 Protection.--If a servicemember who is a
defendant in an action covered by this section receives actual notice
of the action, the servicemember may request a stay of proceeding under
section 202.
``(g) Vacation or Setting Aside of Default Judgments.--
``(1) Authority for court to vacate or set aside judgment.--If
a default judgment is entered in an action covered by this section
against a servicemember during the servicemember's period of
military service (or within 60 days after termination of or release
from such military service), the court entering the judgment shall,
upon application by or on behalf of the servicemember, reopen the
judgment for the purpose of allowing the servicemember to defend
the action if it appears that--
``(A) the servicemember was materially affected by reason
of that military service in making a defense to the action; and
``(B) the servicemember has a meritorious or legal defense
to the action or some part of it.
``(2) Time for filing application.--An application under this
subsection must be filed not later than 90 days after the date of
the termination of or release from military service.
``(h) Protection of Bona Fide Purchaser.--If a court vacates, sets
aside, or reverses a default judgment against a servicemember and the
vacating, setting aside, or reversing is because of a provision of this
Act, that action shall not impair a right or title acquired by a bona
fide purchaser for value under the default judgment.

``SEC. 202. STAY OF PROCEEDINGS WHEN SERVICEMEMBER HAS NOTICE.

``(a) Applicability of Section.--This section applies to any civil
action or proceeding in which the defendant at the time of filing an
application under this section--
``(1) is in military service or is within 90 days after
termination of or release from military service; and
``(2) has received notice of the action or proceeding.
``(b) Stay of Proceedings.--
``(1) Authority for stay.--At any stage before final judgment
in a civil action or proceeding in which a servicemember described
in subsection (a) is a party, the court may on its own motion and
shall, upon application by the servicemember, stay the action for a
period of not less than 90 days, if the conditions in paragraph (2)
are met.
``(2) Conditions for stay.--An application for a stay under
paragraph (1) shall include the following:
``(A) A letter or other communication setting forth facts
stating the manner in which current military duty requirements
materially affect the servicemember's ability to appear and
stating a date when the servicemember will be available to
appear.
``(B) A letter or other communication from the
servicemember's commanding officer stating that the
servicemember's current military duty prevents appearance and
that military leave is not authorized for the servicemember at
the time of the letter.
``(c) Application Not a Waiver of Defenses.--An application for a
stay under this section does not constitute an appearance for
jurisdictional purposes and does not constitute a waiver of any
substantive or procedural defense (including a defense relating to lack
of personal jurisdiction).
``(d) Additional Stay.--
``(1) Application.--A servicemember who is granted a stay of a
civil action or proceeding under subsection (b) may apply for an
additional stay based on continuing material affect of military
duty on the servicemember's ability to appear. Such an application
may be made by the servicemember at the time of the initial
application under subsection (b) or when it appears that the
servicemember is unavailable to prosecute or defend the action. The
same information required under subsection (b)(2) shall be included
in an application under this subsection.
``(2) Appointment of counsel when additional stay refused.--If
the court refuses to grant an additional stay of proceedings under
paragraph (1), the court shall appoint counsel to represent the
servicemember in the action or proceeding.
``(e) Coordination With Section 201.--A servicemember who applies
for a stay under this section and is unsuccessful may not seek the
protections afforded by section 201.
``(f) Inapplicability to Section 301.--The protections of this
section do not apply to section 301.

``SEC. 203. FINES AND PENALTIES UNDER CONTRACTS.

``(a) Prohibition of Penalties.--When an action for compliance with
the terms of a contract is stayed pursuant to this Act, a penalty shall
not accrue for failure to comply with the terms of the contract during
the period of the stay.
``(b) Reduction or Waiver of Fines or Penalties.--If a
servicemember fails to perform an obligation arising under a contract
and a penalty is incurred arising from that nonperformance, a court may
reduce or waive the fine or penalty if--
``(1) the servicemember was in military service at the time the
fine or penalty was incurred; and
``(2) the ability of the servicemember to perform the
obligation was materially affected by such military service.

``SEC. 204. STAY OR VACATION OF EXECUTION OF JUDGMENTS, ATTACHMENTS,
AND GARNISHMENTS.

``(a) Court Action Upon Material Affect Determination.--If a
servicemember, in the opinion of the court, is materially affected by
reason of military service in complying with a court judgment or order,
the court may on its own motion and shall on application by the
servicemember--
``(1) stay the execution of any judgment or order entered
against the servicemember; and
``(2) vacate or stay an attachment or garnishment of property,
money, or debts in the possession of the servicemember or a third
party, whether before or after judgment.
``(b) Applicability.--This section applies to an action or
proceeding commenced in a court against a servicemember before or
during the period of the servicemember's military service or within 90
days after such service terminates.

``SEC. 205. DURATION AND TERM OF STAYS; CODEFENDANTS NOT IN SERVICE.

``(a) Period of Stay.--A stay of an action, proceeding, attachment,
or execution made pursuant to the provisions of this Act by a court may
be ordered for the period of military service and 90 days thereafter,
or for any part of that period. The court may set the terms and amounts
for such installment payments as is considered reasonable by the court.
``(b) Codefendants.--If the servicemember is a codefendant with
others who are not in military service and who are not entitled to the
relief and protections provided under this Act, the plaintiff may
proceed against those other defendants with the approval of the court.
``(c) Inapplicability of Section.--This section does not apply to
sections 202 and 701.

``SEC. 206. STATUTE OF LIMITATIONS.

``(a) Tolling of Statutes of Limitation During Military Service.--
The period of a servicemember's military service may not be included in
computing any period limited by law, regulation, or order for the
bringing of any action or proceeding in a court, or in any board,
bureau, commission, department, or other agency of a State (or
political subdivision of a State) or the United States by or against
the servicemember or the servicemember's heirs, executors,
administrators, or assigns.
``(b) Redemption of Real Property.--A period of military service
may not be included in computing any period provided by law for the
redemption of real property sold or forfeited to enforce an obligation,
tax, or assessment.
``(c) Inapplicability to Internal Revenue Laws.--This section does
not apply to any period of limitation prescribed by or under the
internal revenue laws of the United States.

``SEC. 207. MAXIMUM RATE OF INTEREST ON DEBTS INCURRED BEFORE MILITARY
SERVICE.

``(a) Interest Rate Limitation.--
``(1) Limitation to 6 percent.--An obligation or liability
bearing interest at a rate in excess of 6 percent per year that is
incurred by a servicemember, or the servicemember and the
servicemember's spouse jointly, before the servicemember enters
military service shall not bear interest at a rate in excess of 6
percent per year during the period of military service.
``(2) Forgiveness of interest in excess of 6 percent.--Interest
at a rate in excess of 6 percent per year that would otherwise be
incurred but for the prohibition in paragraph (1) is forgiven.
``(3) Prevention of acceleration of principal.--The amount of
any periodic payment due from a servicemember under the terms of
the instrument that created an obligation or liability covered by
this section shall be reduced by the amount of the interest
forgiven under paragraph (2) that is allocable to the period for
which such payment is made.
``(b) Implementation of Limitation.--
``(1) Written notice to creditor.--In order for an obligation
or liability of a servicemember to be subject to the interest rate
limitation in subsection (a), the servicemember shall provide to
the creditor written notice and a copy of the military orders
calling the servicemember to military service and any orders
further extending military service, not later than 180 days after
the date of the servicemember's termination or release from
military service.
``(2) Limitation effective as of date of order to active
duty.--Upon receipt of written notice and a copy of orders calling
a servicemember to military service, the creditor shall treat the
debt in accordance with subsection (a), effective as of the date on
which the servicemember is called to military service.
``(c) Creditor Protection.--A court may grant a creditor relief
from the limitations of this section if, in the opinion of the court,
the ability of the servicemember to pay interest upon the obligation or
liability at a rate in excess of 6 percent per year is not materially
affected by reason of the servicemember's military service.
``(d) Interest.--As used in this section, the term `interest'
includes service charges, renewal charges, fees, or any other charges
(except bona fide insurance) with respect to an obligation or
liability.

``TITLE III--RENT, INSTALLMENT CONTRACTS, MORTGAGES, LIENS, ASSIGNMENT,
LEASES

``SEC. 301. EVICTIONS AND DISTRESS.

``(a) Court-Ordered Eviction.--
``(1) In general.--Except by court order, a landlord (or
another person with paramount title) may not--
``(A) evict a servicemember, or the dependents of a
servicemember, during a period of military service of the
servicemember, from premises--
``(i) that are occupied or intended to be occupied
primarily as a residence; and
``(ii) for which the monthly rent does not exceed
$2,400, as adjusted under paragraph (2) for years after
2003; or
``(B) subject such premises to a distress during the period
of military service.
``(2) Housing price inflation adjustment.--(A) For calendar
years beginning with 2004, the amount in effect under paragraph
(1)(A)(ii) shall be increased by the housing price inflation
adjustment for the calendar year involved.
``(B) For purposes of this paragraph--
``(i) The housing price inflation adjustment for any
calendar year is the percentage change (if any) by which--
``(I) the CPI housing component for November of the
preceding calendar year, exceeds
``(II) the CPI housing component for November of 1984.
``(ii) The term `CPI housing component' means the index
published by the Bureau of Labor Statistics of the Department
of Labor known as the Consumer Price Index, All Urban
Consumers, Rent of Primary Residence, U.S. City Average.
``(3) Publication of housing price inflation adjustment.--The
Secretary of Defense shall cause to be published in the Federal
Register each year the amount in effect under paragraph (1)(A)(ii)
for that year following the housing price inflation adjustment for
that year pursuant to paragraph (2). Such publication shall be made
for a year not later than 60 days after such adjustment is made for
that year.
``(b) Stay of Execution.--
``(1) Court authority.--Upon an application for eviction or
distress with respect to premises covered by this section, the
court may on its own motion and shall, if a request is made by or
on behalf of a servicemember whose ability to pay the agreed rent
is materially affected by military service--
``(A) stay the proceedings for a period of 90 days, unless
in the opinion of the court, justice and equity require a
longer or shorter period of time; or
``(B) adjust the obligation under the lease to preserve the
interests of all parties.
``(2) Relief to landlord.--If a stay is granted under paragraph
(1), the court may grant to the landlord (or other person with
paramount title) such relief as equity may require.
``(c) Penalties.--
``(1) Misdemeanor.--Except as provided in subsection (a), a
person who knowingly takes part in an eviction or distress
described in subsection (a), or who knowingly attempts to do so,
shall be fined as provided in title 18, United States Code, or
imprisoned for not more than one year, or both.
``(2) Preservation of other remedies and rights.--The remedies
and rights provided under this section are in addition to and do
not preclude any remedy for wrongful conversion (or wrongful
eviction) otherwise available under the law to the person claiming
relief under this section, including any award for consequential
and punitive damages.
``(d) Rent Allotment From Pay of Servicemember.--To the extent
required by a court order related to property which is the subject of a
court action under this section, the Secretary concerned shall make an
allotment from the pay of a servicemember to satisfy the terms of such
order, except that any such allotment shall be subject to regulations
prescribed by the Secretary concerned establishing the maximum amount
of pay of servicemembers that may be allotted under this subsection.
``(e) Limitation of Applicability.--Section 202 is not applicable
to this section.

``SEC. 302. PROTECTION UNDER INSTALLMENT CONTRACTS FOR PURCHASE OR
LEASE.

``(a) Protection Upon Breach of Contract.--
``(1) Protection after entering military service.--After a
servicemember enters military service, a contract by the
servicemember for--
``(A) the purchase of real or personal property (including
a motor vehicle); or
``(B) the lease or bailment of such property,
may not be rescinded or terminated for a breach of terms of the
contract occurring before or during that person's military service,
nor may the property be repossessed for such breach without a court
order.
``(2) Applicability.--This section applies only to a contract
for which a deposit or installment has been paid by the
servicemember before the servicemember enters military service.
``(b) Penalties.--
``(1) Misdemeanor.--A person who knowingly resumes possession
of property in violation of subsection (a), or in violation of
section 107 of this Act, or who knowingly attempts to do so, shall
be fined as provided in title 18, United States Code, or imprisoned
for not more than one year, or both.
``(2) Preservation of other remedies and rights.--The remedies
and rights provided under this section are in addition to and do
not preclude any remedy for wrongful conversion otherwise available
under law to the person claiming relief under this section,
including any award for consequential and punitive damages.
``(c) Authority of Court.--In a hearing based on this section, the
court--
``(1) may order repayment to the servicemember of all or part
of the prior installments or deposits as a condition of terminating
the contract and resuming possession of the property;
``(2) may, on its own motion, and shall on application by a
servicemember when the servicemember's ability to comply with the
contract is materially affected by military service, stay the
proceedings for a period of time as, in the opinion of the court,
justice and equity require; or
``(3) may make other disposition as is equitable to preserve
the interests of all parties.

``SEC. 303. MORTGAGES AND TRUST DEEDS.

``(a) Mortgage as Security.--This section applies only to an
obligation on real or personal property owned by a servicemember that--
``(1) originated before the period of the servicemember's
military service and for which the servicemember is still
obligated; and
``(2) is secured by a mortgage, trust deed, or other security
in the nature of a mortgage.
``(b) Stay of Proceedings and Adjustment of Obligation.--In an
action filed during, or within 90 days after, a servicemember's period
of military service to enforce an obligation described in subsection
(a), the court may after a hearing and on its own motion and shall upon
application by a servicemember when the servicemember's ability to
comply with the obligation is materially affected by military service--
``(1) stay the proceedings for a period of time as justice and
equity require, or
``(2) adjust the obligation to preserve the interests of all
parties.
``(c) Sale or Foreclosure.--A sale, foreclosure, or seizure of
property for a breach of an obligation described in subsection (a)
shall not be valid if made during, or within 90 days after, the period
of the servicemember's military service except--
``(1) upon a court order granted before such sale, foreclosure,
or seizure with a return made and approved by the court; or
``(2) if made pursuant to an agreement as provided in section
107.
``(d) Penalties.--
``(1) Misdemeanor.--A person who knowingly makes or causes to
be made a sale, foreclosure, or seizure of property that is
prohibited by subsection (c), or who knowingly attempts to do so,
shall be fined as provided in title 18, United States Code, or
imprisoned for not more than one year, or both.
``(2) Preservation of other remedies.--The remedies and rights
provided under this section are in addition to and do not preclude
any remedy for wrongful conversion otherwise available under law to
the person claiming relief under this section, including
consequential and punitive damages.

``SEC. 304. SETTLEMENT OF STAYED CASES RELATING TO PERSONAL PROPERTY.

``(a) Appraisal of Property.--When a stay is granted pursuant to
this Act in a proceeding to foreclose a mortgage on or to repossess
personal property, or to rescind or terminate a contract for the
purchase of personal property, the court may appoint three
disinterested parties to appraise the property.
``(b) Equity Payment.--Based on the appraisal, and if undue
hardship to the servicemember's dependents will not result, the court
may order that the amount of the servicemember's equity in the property
be paid to the servicemember, or the servicemember's dependents, as a
condition of foreclosing the mortgage, repossessing the property, or
rescinding or terminating the contract.

``SEC. 305. TERMINATION OF RESIDENTIAL OR MOTOR VEHICLE LEASES.

``(a) Termination by Lessee.--The lessee on a lease described in
subsection (b) may, at the lessee's option, terminate the lease at any
time after--
``(1) the lessee's entry into military service; or
``(2) the date of the lessee's military orders described in
paragraph (1)(B) or (2)(B) of subsection (b), as the case may be.
``(b) Covered Leases.--This section applies to the following
leases:
``(1) Leases of premises.--A lease of premises occupied, or
intended to be occupied, by a servicemember or a servicemember's
dependents for a residential, professional, business, agricultural,
or similar purpose if--
``(A) the lease is executed by or on behalf of a person who
thereafter and during the term of the lease enters military
service; or
``(B) the servicemember, while in military service,
executes the lease and thereafter receives military orders for
a permanent change of station or to deploy with a military unit
for a period of not less than 90 days.
``(2) Leases of motor vehicles.--A lease of a motor vehicle
used, or intended to be used, by a servicemember or a
servicemember's dependents for personal or business transportation
if--
``(A) the lease is executed by or on behalf of a person who
thereafter and during the term of the lease enters military
service under a call or order specifying a period of not less
than 180 days (or who enters military service under a call or
order specifying a period of 180 days or less and who, without
a break in service, receives orders extending the period of
military service to a period of not less than 180 days); or
``(B) the servicemember, while in military service,
executes the lease and thereafter receives military orders for
a permanent change of station outside of the continental United
States or to deploy with a military unit for a period of not
less than 180 days.
``(c) Manner of Termination.--
``(1) In general.--Termination of a lease under subsection (a)
is made--
``(A) by delivery by the lessee of written notice of such
termination, and a copy of the servicemember's military orders,
to the lessor (or the lessor's grantee), or to the lessor's
agent (or the agent's grantee); and
``(B) in the case of a lease of a motor vehicle, by return
of the motor vehicle by the lessee to the lessor (or the
lessor's grantee), or to the lessor's agent (or the agent's
grantee), not later than 15 days after the date of the delivery
of written notice under subparagraph (A).
``(2) Delivery of notice.--Delivery of notice under paragraph
(1)(A) may be accomplished--
``(A) by hand delivery;
``(B) by private business carrier; or
``(C) by placing the written notice in an envelope with
sufficient postage and with return receipt requested, and
addressed as designated by the lessor (or the lessor's grantee)
or to the lessor's agent (or the agent's grantee), and
depositing the written notice in the United States mails.
``(d) Effective Date of Lease Termination.--
``(1) Lease of premises.--In the case of a lease described in
subsection (b)(1) that provides for monthly payment of rent,
termination of the lease under subsection (a) is effective 30 days
after the first date on which the next rental payment is due and
payable after the date on which the notice under subsection (c) is
delivered. In the case of any other lease described in subsection
(b)(1), termination of the lease under subsection (a) is effective
on the last day of the month following the month in which the
notice is delivered.
``(2) Lease of motor vehicles.--In the case of a lease
described in subsection (b)(2), termination of the lease under
subsection (a) is effective on the day on which the requirements of
subsection (c) are met for such termination.
``(e) Arrearages and Other Obligations and Liabilities.--Rents or
lease amounts unpaid for the period preceding the effective date of the
lease termination shall be paid on a prorated basis. In the case of the
lease of a motor vehicle, the lessor may not impose an early
termination charge, but any taxes, summonses, and title and
registration fees and any other obligation and liability of the lessee
in accordance with the terms of the lease, including reasonable charges
to the lessee for excess wear, use and mileage, that are due and unpaid
at the time of termination of the lease shall be paid by the lessee.
``(f) Rent Paid in Advance.--Rents or lease amounts paid in advance
for a period after the effective date of the termination of the lease
shall be refunded to the lessee by the lessor (or the lessor's assignee
or the assignee's agent) within 30 days of the effective date of the
termination of the lease.
``(g) Relief to Lessor.--Upon application by the lessor to a court
before the termination date provided in the written notice, relief
granted by this section to a servicemember may be modified as justice
and equity require.
``(h) Penalties.--
``(1) Misdemeanor.--Any person who knowingly seizes, holds, or
detains the personal effects, security deposit, or other property
of a servicemember or a servicemember's dependent who lawfully
terminates a lease covered by this section, or who knowingly
interferes with the removal of such property from premises covered
by such lease, for the purpose of subjecting or attempting to
subject any of such property to a claim for rent accruing
subsequent to the date of termination of such lease, or attempts to
do so, shall be fined as provided in title 18, United States Code,
or imprisoned for not more than one year, or both.
``(2) Preservation of other remedies.--The remedy and rights
provided under this section are in addition to and do not preclude
any remedy for wrongful conversion otherwise available under law to
the person claiming relief under this section, including any award
for consequential or punitive damages.

``SEC. 306. PROTECTION OF LIFE INSURANCE POLICY.

``(a) Assignment of Policy Protected.--If a life insurance policy
on the life of a servicemember is assigned before military service to
secure the payment of an obligation, the assignee of the policy (except
the insurer in connection with a policy loan) may not exercise, during
a period of military service of the servicemember or within one year
thereafter, any right or option obtained under the assignment without a
court order.
``(b) Exception.--The prohibition in subsection (a) shall not
apply--
``(1) if the assignee has the written consent of the insured
made during the period described in subsection (a);
``(2) when the premiums on the policy are due and unpaid; or
``(3) upon the death of the insured.
``(c) Order Refused Because of Material Affect.--A court which
receives an application for an order required under subsection (a) may
refuse to grant such order if the court determines the ability of the
servicemember to comply with the terms of the obligation is materially
affected by military service.
``(d) Treatment of Guaranteed Premiums.--For purposes of this
subsection, premiums guaranteed under the provisions of title IV of
this Act shall not be considered due and unpaid.
``(e) Penalties.--
``(1) Misdemeanor.--A person who knowingly takes an action
contrary to this section, or attempts to do so, shall be fined as
provided in title 18, United States Code, or imprisoned for not
more than one year, or both.
``(2) Preservation of other remedies.--The remedy and rights
provided under this section are in addition to and do not preclude
any remedy for wrongful conversion otherwise available under law to
the person claiming relief under this section, including any
consequential or punitive damages.

``SEC. 307. ENFORCEMENT OF STORAGE LIENS.

``(a) Liens.--
``(1) Limitation on foreclosure or enforcement.--A person
holding a lien on the property or effects of a servicemember may
not, during any period of military service of the servicemember and
for 90 days thereafter, foreclose or enforce any lien on such
property or effects without a court order granted before
foreclosure or enforcement.
``(2) Lien defined.--For the purposes of paragraph (1), the
term `lien' includes a lien for storage, repair, or cleaning of the
property or effects of a servicemember or a lien on such property
or effects for any other reason.
``(b) Stay of Proceedings.--In a proceeding to foreclose or enforce
a lien subject to this section, the court may on its own motion, and
shall if requested by a servicemember whose ability to comply with the
obligation resulting in the proceeding is materially affected by
military service--
``(1) stay the proceeding for a period of time as justice and
equity require; or
``(2) adjust the obligation to preserve the interests of all
parties.
The provisions of this subsection do not affect the scope of section
303.
``(c) Penalties.--
``(1) Misdemeanor.--A person who knowingly takes an action
contrary to this section, or attempts to do so, shall be fined as
provided in title 18, United States Code, or imprisoned for not
more than one year, or both.
``(2) Preservation of other remedies.--The remedy and rights
provided under this section are in addition to and do not preclude
any remedy for wrongful conversion otherwise available under law to
the person claiming relief under this section, including any
consequential or punitive damages.

``SEC. 308. EXTENSION OF PROTECTIONS TO DEPENDENTS.

``Upon application to a court, a dependent of a servicemember is
entitled to the protections of this title if the dependent's ability to
comply with a lease, contract, bailment, or other obligation is
materially affected by reason of the servicemember's military service.

``TITLE IV--LIFE INSURANCE

``SEC. 401. DEFINITIONS.

``For the purposes of this title:
``(1) Policy.--The term `policy' means any individual contract
for whole, endowment, universal, or term life insurance (other than
group term life insurance coverage), including any benefit in the
nature of such insurance arising out of membership in any fraternal
or beneficial association which--
``(A) provides that the insurer may not--
``(i) decrease the amount of coverage or require the
payment of an additional amount as premiums if the insured
engages in military service (except increases in premiums
in individual term insurance based upon age); or
``(ii) limit or restrict coverage for any activity
required by military service; and
``(B) is in force not less than 180 days before the date of
the insured's entry into military service and at the time of
application under this title.
``(2) Premium.--The term `premium' means the amount specified
in an insurance policy to be paid to keep the policy in force.
``(3) Insured.--The term `insured' means a servicemember whose
life is insured under a policy.
``(4) Insurer.--The term `insurer' includes any firm,
corporation, partnership, association, or business that is
chartered or authorized to provide insurance and issue contracts or
policies by the laws of a State or the United States.

``SEC. 402. INSURANCE RIGHTS AND PROTECTIONS.

``(a) Rights and Protections.--The rights and protections under
this title apply to the insured when--
``(1) the insured,
``(2) the insured's legal representative, or
``(3) the insured's beneficiary in the case of an insured who
is outside a State,
applies in writing for protection under this title, unless the
Secretary of Veterans Affairs determines that the insured's policy is
not entitled to protection under this title.
``(b) Notification and Application.--The Secretary of Veterans
Affairs shall notify the Secretary concerned of the procedures to be
used to apply for the protections provided under this title. The
applicant shall send the original application to the insurer and a copy
to the Secretary of Veterans Affairs.
``(c) Limitation on Amount.--The total amount of life insurance
coverage protection provided by this title for a servicemember may not
exceed $250,000, or an amount equal to the Servicemember's Group Life
Insurance maximum limit, whichever is greater, regardless of the number
of policies submitted.

``SEC. 403. APPLICATION FOR INSURANCE PROTECTION.

``(a) Application Procedure.--An application for protection under
this title shall--
``(1) be in writing and signed by the insured, the insured's
legal representative, or the insured's beneficiary, as the case may
be;
``(2) identify the policy and the insurer; and
``(3) include an acknowledgement that the insured's rights
under the policy are subject to and modified by the provisions of
this title.
``(b) Additional Requirements.--The Secretary of Veterans Affairs
may require additional information from the applicant, the insured and
the insurer to determine if the policy is entitled to protection under
this title.
``(c) Notice to the Secretary by the Insurer.--Upon receipt of the
application of the insured, the insurer shall furnish a report
concerning the policy to the Secretary of Veterans Affairs as required
by regulations prescribed by the Secretary.
``(d) Policy Modification.--Upon application for protection under
this title, the insured and the insurer shall have constructively
agreed to any policy modification necessary to give this title full
force and effect.

``SEC. 404. POLICIES ENTITLED TO PROTECTION AND LAPSE OF POLICIES.

``(a) Determination.--The Secretary of Veterans Affairs shall
determine whether a policy is entitled to protection under this title
and shall notify the insured and the insurer of that determination.
``(b) Lapse Protection.--A policy that the Secretary determines is
entitled to protection under this title shall not lapse or otherwise
terminate or be forfeited for the nonpayment of a premium, or interest
or indebtedness on a premium, after the date on which the application
for protection is received by the Secretary.
``(c) Time Application.--The protection provided by this title
applies during the insured's period of military service and for a
period of two years thereafter.

``SEC. 405. POLICY RESTRICTIONS.

``(a) Dividends.--While a policy is protected under this title, a
dividend or other monetary benefit under a policy may not be paid to an
insured or used to purchase dividend additions without the approval of
the Secretary of Veterans Affairs. If such approval is not obtained,
the dividends or benefits shall be added to the value of the policy to
be used as a credit when final settlement is made with the insurer.
``(b) Specific Restrictions.--While a policy is protected under
this title, cash value, loan value, withdrawal of dividend
accumulation, unearned premiums, or other value of similar character
may not be available to the insured without the approval of the
Secretary. The right of the insured to change a beneficiary designation
or select an optional settlement for a beneficiary shall not be
affected by the provisions of this title.

``SEC. 406. DEDUCTION OF UNPAID PREMIUMS.

``(a) Settlement of Proceeds.--If a policy matures as a result of a
servicemember's death or otherwise during the period of protection of
the policy under this title, the insurer in making settlement shall
deduct from the insurance proceeds the amount of the unpaid premiums
guaranteed under this title, together with interest due at the rate
fixed in the policy for policy loans.
``(b) Interest Rate.--If the interest rate is not specifically
fixed in the policy, the rate shall be the same as for policy loans in
other policies issued by the insurer at the time the insured's policy
was issued.
``(c) Reporting Requirement.--The amount deducted under this
section, if any, shall be reported by the insurer to the Secretary of
Veterans Affairs.

``SEC. 407. PREMIUMS AND INTEREST GUARANTEED BY UNITED STATES.

``(a) Guarantee of Premiums and Interest by the United States.--
``(1) Guarantee.--Payment of premiums, and interest on premiums
at the rate specified in section 406, which become due on a policy
under the protection of this title is guaranteed by the United
States. If the amount guaranteed is not paid to the insurer before
the period of insurance protection under this title expires, the
amount due shall be treated by the insurer as a policy loan on the
policy.
``(2) Policy termination.--If, at the expiration of insurance
protection under this title, the cash surrender value of a policy
is less than the amount due to pay premiums and interest on
premiums on the policy, the policy shall terminate. Upon such
termination, the United States shall pay the insurer the difference
between the amount due and the cash surrender value.
``(b) Recovery From Insured of Amounts Paid by the United States.--
``(1) Debt payable to the united states.--The amount paid by
the United States to an insurer under this title shall be a debt
payable to the United States by the insured on whose policy payment
was made.
``(2) Collection.--Such amount may be collected by the United
States, either as an offset from any amount due the insured by the
United States or as otherwise authorized by law.
``(3) Debt not dischargeable in bankruptcy.--Such debt payable
to the United States is not dischargeable in bankruptcy
proceedings.
``(c) Crediting of Amounts Recovered.--Any amounts received by the
United States as repayment of debts incurred by an insured under this
title shall be credited to the appropriation for the payment of claims
under this title.

``SEC. 408. REGULATIONS.

``The Secretary of Veterans Affairs shall prescribe regulations for
the implementation of this title.

``SEC. 409. REVIEW OF FINDINGS OF FACT AND CONCLUSIONS OF LAW.

``The findings of fact and conclusions of law made by the Secretary
of Veterans Affairs in administering this title are subject to review
on appeal to the Board of Veterans' Appeals pursuant to chapter 71 of
title 38, United States Code, and to judicial review only as provided
in chapter 72 of such title.

``TITLE V--TAXES AND PUBLIC LANDS

``SEC. 501. TAXES RESPECTING PERSONAL PROPERTY, MONEY, CREDITS, AND
REAL PROPERTY.

``(a) Application.--This section applies in any case in which a tax
or assessment, whether general or special (other than a tax on personal
income), falls due and remains unpaid before or during a period of
military service with respect to a servicemember's--
``(1) personal property (including motor vehicles); or
``(2) real property occupied for dwelling, professional,
business, or agricultural purposes by a servicemember or the
servicemember's dependents or employees--
``(A) before the servicemember's entry into military
service; and
``(B) during the time the tax or assessment remains unpaid.
``(b) Sale of Property.--
``(1) Limitation on sale of property to enforce tax
assessment.--Property described in subsection (a) may not be sold
to enforce the collection of such tax or assessment except by court
order and upon the determination by the court that military service
does not materially affect the servicemember's ability to pay the
unpaid tax or assessment.
``(2) Stay of court proceedings.--A court may stay a proceeding
to enforce the collection of such tax or assessment, or sale of
such property, during a period of military service of the
servicemember and for a period not more than 180 days after the
termination of, or release of the servicemember from, military
service.
``(c) Redemption.--When property described in subsection (a) is
sold or forfeited to enforce the collection of a tax or assessment, a
servicemember shall have the right to redeem or commence an action to
redeem the servicemember's property during the period of military
service or within 180 days after termination of or release from
military service. This subsection may not be construed to shorten any
period provided by the law of a State (including any political
subdivision of a State) for redemption.
``(d) Interest on Tax or Assessment.--Whenever a servicemember does
not pay a tax or assessment on property described in subsection (a)
when due, the amount of the tax or assessment due and unpaid shall bear
interest until paid at the rate of 6 percent per year. An additional
penalty or interest shall not be incurred by reason of nonpayment. A
lien for such unpaid tax or assessment may include interest under this
subsection.
``(e) Joint Ownership Application.--This section applies to all
forms of property described in subsection (a) owned individually by a
servicemember or jointly by a servicemember and a dependent or
dependents.

``SEC. 502. RIGHTS IN PUBLIC LANDS.

``(a) Rights Not Forfeited.--The rights of a servicemember to lands
owned or controlled by the United States, and initiated or acquired by
the servicemember under the laws of the United States (including the
mining and mineral leasing laws) before military service, shall not be
forfeited or prejudiced as a result of being absent from the land, or
by failing to begin or complete any work or improvements to the land,
during the period of military service.
``(b) Temporary Suspension of Permits or Licenses.--If a permittee
or licensee under the Act of June 28, 1934 (43 U.S.C. 315 et seq.),
enters military service, the permittee or licensee may suspend the
permit or license for the period of military service and for 180 days
after termination of or release from military service.
``(c) Regulations.--Regulations prescribed by the Secretary of the
Interior shall provide for such suspension of permits and licenses and
for the remission, reduction, or refund of grazing fees during the
period of such suspension.

``SEC. 503. DESERT-LAND ENTRIES.

``(a) Desert-Land Rights Not Forfeited.--A desert-land entry made
or held under the desert-land laws before the entrance of the entryman
or the entryman's successor in interest into military service shall not
be subject to contest or cancellation--
``(1) for failure to expend any required amount per acre per
year in improvements upon the claim;
``(2) for failure to effect the reclamation of the claim during
the period the entryman or the entryman's successor in interest is
in the military service, or for 180 days after termination of or
release from military service; or
``(3) during any period of hospitalization or rehabilitation
due to an injury or disability incurred in the line of duty.
The time within which the entryman or claimant is required to make such
expenditures and effect reclamation of the land shall be exclusive of
the time periods described in paragraphs (2) and (3).
``(b) Service-Related Disability.--If an entryman or claimant is
honorably discharged and is unable to accomplish reclamation of, and
payment for, desert land due to a disability incurred in the line of
duty, the entryman or claimant may make proof without further
reclamation or payments, under regulations prescribed by the Secretary
of the Interior, and receive a patent for the land entered or claimed.
``(c) Filing Requirement.--In order to obtain the protection of
this section, the entryman or claimant shall, within 180 days after
entry into military service, cause to be filed in the land office of
the district where the claim is situated a notice communicating the
fact of military service and the desire to hold the claim under this
section.

``SEC. 504. MINING CLAIMS.

``(a) Requirements Suspended.--The provisions of section 2324 of
the Revised Statutes of the United States (30 U.S.C. 28) specified in
subsection (b) shall not apply to a servicemember's claims or interests
in claims, regularly located and recorded, during a period of military
service and 180 days thereafter, or during any period of
hospitalization or rehabilitation due to injuries or disabilities
incurred in the line of duty.
``(b) Requirements.--The provisions in section 2324 of the Revised
Statutes that shall not apply under subsection (a) are those which
require that on each mining claim located after May 10, 1872, and until
a patent has been issued for such claim, not less than $100 worth of
labor shall be performed or improvements made during each year.
``(c) Period of Protection From Forfeiture.--A mining claim or an
interest in a claim owned by a servicemember that has been regularly
located and recorded shall not be subject to forfeiture for
nonperformance of annual assessments during the period of military
service and for 180 days thereafter, or for any period of
hospitalization or rehabilitation described in subsection (a).
``(d) Filing Requirement.--In order to obtain the protections of
this section, the claimant of a mining location shall, before the end
of the assessment year in which military service is begun or within 60
days after the end of such assessment year, cause to be filed in the
office where the location notice or certificate is recorded a notice
communicating the fact of military service and the desire to hold the
mining claim under this section.

``SEC. 505. MINERAL PERMITS AND LEASES.

``(a) Suspension During Military Service.--A person holding a
permit or lease on the public domain under the Federal mineral leasing
laws who enters military service may suspend all operations under the
permit or lease for the duration of military service and for 180 days
thereafter. The term of the permit or lease shall not run during the
period of suspension, nor shall any rental or royalties be charged
against the permit or lease during the period of suspension.
``(b) Notification.--In order to obtain the protection of this
section, the permittee or lessee shall, within 180 days after entry
into military service, notify the Secretary of the Interior by
registered mail of the fact that military service has begun and of the
desire to hold the claim under this section.
``(c) Contract Modification.--This section shall not be construed
to supersede the terms of any contract for operation of a permit or
lease.

``SEC. 506. PERFECTION OR DEFENSE OF RIGHTS.

``(a) Right To Take Action Not Affected.--This title shall not
affect the right of a servicemember to take action during a period of
military service that is authorized by law or regulations of the
Department of the Interior, for the perfection, defense, or further
assertion of rights initiated or acquired before entering military
service.
``(b) Affidavits and Proofs.--
``(1) In general.--A servicemember during a period of military
service may make any affidavit or submit any proof required by law,
practice, or regulation of the Department of the Interior in
connection with the entry, perfection, defense, or further
assertion of rights initiated or acquired before entering military
service before an officer authorized to provide notary services
under section 1044a of title 10, United States Code, or any
superior commissioned officer.
``(2) Legal status of affidavits.--Such affidavits shall be
binding in law and subject to the same penalties as prescribed by
section 1001 of title 18, United State Code.

``SEC. 507. DISTRIBUTION OF INFORMATION CONCERNING BENEFITS OF TITLE.

``(a) Distribution of Information by Secretary Concerned.--The
Secretary concerned shall issue to servicemembers information
explaining the provisions of this title.
``(b) Application Forms.--The Secretary concerned shall provide
application forms to servicemembers requesting relief under this title.
``(c) Information From Secretary of the Interior.--The Secretary of
the Interior shall furnish to the Secretary concerned information
explaining the provisions of this title (other than sections 501, 510,
and 511) and related application forms.

``SEC. 508. LAND RIGHTS OF SERVICEMEMBERS.

``(a) No Age Limitations.--Any servicemember under the age of 21 in
military service shall be entitled to the same rights under the laws
relating to lands owned or controlled by the United States, including
mining and mineral leasing laws, as those servicemembers who are 21
years of age.
``(b) Residency Requirement.--Any requirement related to the
establishment of a residence within a limited time shall be suspended
as to entry by a servicemember in military service until 180 days after
termination of or release from military service.
``(c) Entry Applications.--Applications for entry may be verified
before a person authorized to administer oaths under section 1044a of
title 10, United States Code, or under the laws of the State where the
land is situated.

``SEC. 509. REGULATIONS.

``The Secretary of the Interior may issue regulations necessary to
carry out this title (other than sections 501, 510, and 511).

``SEC. 510. INCOME TAXES.

``(a) Deferral of Tax.--Upon notice to the Internal Revenue Service
or the tax authority of a State or a political subdivision of a State,
the collection of income tax on the income of a servicemember falling
due before or during military service shall be deferred for a period
not more than 180 days after termination of or release from military
service, if a servicemember's ability to pay such income tax is
materially affected by military service.
``(b) Accrual of Interest or Penalty.--No interest or penalty shall
accrue for the period of deferment by reason of nonpayment on any
amount of tax deferred under this section.
``(c) Statute of Limitations.--The running of a statute of
limitations against the collection of tax deferred under this section,
by seizure or otherwise, shall be suspended for the period of military
service of the servicemember and for an additional period of 270 days
thereafter.
``(d) Application Limitation.--This section shall not apply to the
tax imposed on employees by section 3101 of the Internal Revenue Code
of 1986.

``SEC. 511. RESIDENCE FOR TAX PURPOSES.

``(a) Residence or Domicile.--A servicemember shall neither lose
nor acquire a residence or domicile for purposes of taxation with
respect to the person, personal property, or income of the
servicemember by reason of being absent or present in any tax
jurisdiction of the United States solely in compliance with military
orders.
``(b) Military Service Compensation.--Compensation of a
servicemember for military service shall not be deemed to be income for
services performed or from sources within a tax jurisdiction of the
United States if the servicemember is not a resident or domiciliary of
the jurisdiction in which the servicemember is serving in compliance
with military orders.
``(c) Personal Property.--
``(1) Relief from personal property taxes.--The personal
property of a servicemember shall not be deemed to be located or
present in, or to have a situs for taxation in, the tax
jurisdiction in which the servicemember is serving in compliance
with military orders.
``(2) Exception for property within member's domicile or
residence.--This subsection applies to personal property or its use
within any tax jurisdiction other than the servicemember's domicile
or residence.
``(3) Exception for property used in trade or business.--This
section does not prevent taxation by a tax jurisdiction with
respect to personal property used in or arising from a trade or
business, if it has jurisdiction.
``(4) Relationship to law of state of domicile.--Eligibility
for relief from personal property taxes under this subsection is
not contingent on whether or not such taxes are paid to the State
of domicile.
``(d) Increase of Tax Liability.--A tax jurisdiction may not use
the military compensation of a nonresident servicemember to increase
the tax liability imposed on other income earned by the nonresident
servicemember or spouse subject to tax by the jurisdiction.
``(e) Federal Indian Reservations.--An Indian servicemember whose
legal residence or domicile is a Federal Indian reservation shall be
taxed by the laws applicable to Federal Indian reservations and not the
State where the reservation is located.
``(f) Definitions.--For purposes of this section:
``(1) Personal property.--The term `personal property' means
intangible and tangible property (including motor vehicles).
``(2) Taxation.--The term `taxation' includes licenses, fees,
or excises imposed with respect to motor vehicles and their use, if
the license, fee, or excise is paid by the servicemember in the
servicemember's State of domicile or residence.
``(3) Tax jurisdiction.--The term `tax jurisdiction' means a
State or a political subdivision of a State.

``TITLE VI--ADMINISTRATIVE REMEDIES

``SEC. 601. INAPPROPRIATE USE OF ACT.

``If a court determines, in any proceeding to enforce a civil
right, that any interest, property, or contract has been transferred or
acquired with the intent to delay the just enforcement of such right by
taking advantage of this Act, the court shall enter such judgment or
make such order as might lawfully be entered or made concerning such
transfer or acquisition.

``SEC. 602. CERTIFICATES OF SERVICE; PERSONS REPORTED MISSING.

``(a) Prima Facie Evidence.--In any proceeding under this Act, a
certificate signed by the Secretary concerned is prima facie evidence
as to any of the following facts stated in the certificate:
``(1) That a person named is, is not, has been, or has not been
in military service.
``(2) The time and the place the person entered military
service.
``(3) The person's residence at the time the person entered
military service.
``(4) The rank, branch, and unit of military service of the
person upon entry.
``(5) The inclusive dates of the person's military service.
``(6) The monthly pay received by the person at the date of the
certificate's issuance.
``(7) The time and place of the person's termination of or
release from military service, or the person's death during
military service.
``(b) Certificates.--The Secretary concerned shall furnish a
certificate under subsection (a) upon receipt of an application for
such a certificate. A certificate appearing to be signed by the
Secretary concerned is prima facie evidence of its contents and of the
signer's authority to issue it.
``(c) Treatment of Servicemembers in Missing Status.--A
servicemember who has been reported missing is presumed to continue in
service until accounted for. A requirement under this Act that begins
or ends with the death of a servicemember does not begin or end until
the servicemember's death is reported to, or determined by, the
Secretary concerned or by a court of competent jurisdiction.

``SEC. 603. INTERLOCUTORY ORDERS.

``An interlocutory order issued by a court under this Act may be
revoked, modified, or extended by that court upon its own motion or
otherwise, upon notification to affected parties as required by the
court.

``TITLE VII--FURTHER RELIEF

``SEC. 701. ANTICIPATORY RELIEF.

``(a) Application for Relief.--A servicemember may, during military
service or within 180 days of termination of or release from military
service, apply to a court for relief--
``(1) from any obligation or liability incurred by the
servicemember before the servicemember's military service; or
``(2) from a tax or assessment falling due before or during the
servicemember's military service.
``(b) Tax Liability or Assessment.--In a case covered by subsection
(a), the court may, if the ability of the servicemember to comply with
the terms of such obligation or liability or pay such tax or assessment
has been materially affected by reason of military service, after
appropriate notice and hearing, grant the following relief:
``(1) Stay of enforcement of real estate contracts.--
``(A) In the case of an obligation payable in installments
under a contract for the purchase of real estate, or secured by
a mortgage or other instrument in the nature of a mortgage upon
real estate, the court may grant a stay of the enforcement of
the obligation--
``(i) during the servicemember's period of military
service; and
``(ii) from the date of termination of or release from
military service, or from the date of application if made
after termination of or release from military service.
``(B) Any stay under this paragraph shall be--
``(i) for a period equal to the remaining life of the
installment contract or other instrument, plus a period of
time equal to the period of military service of the
servicemember, or any part of such combined period; and
``(ii) subject to payment of the balance of the
principal and accumulated interest due and unpaid at the
date of termination or release from the applicant's
military service or from the date of application in equal
installments during the combined period at the rate of
interest on the unpaid balance prescribed in the contract
or other instrument evidencing the obligation, and subject
to other terms as may be equitable.
``(2) Stay of enforcement of other contracts.--
``(A) In the case of any other obligation, liability, tax,
or assessment, the court may grant a stay of enforcement--
``(i) during the servicemember's military service; and
``(ii) from the date of termination of or release from
military service, or from the date of application if made
after termination or release from military service.
``(B) Any stay under this paragraph shall be--
``(i) for a period of time equal to the period of the
servicemember's military service or any part of such
period; and
``(ii) subject to payment of the balance of principal
and accumulated interest due and unpaid at the date of
termination or release from military service, or the date
of application, in equal periodic installments during this
extended period at the rate of interest as may be
prescribed for this obligation, liability, tax, or
assessment, if paid when due, and subject to other terms as
may be equitable.
``(c) Affect of Stay on Fine or Penalty.--When a court grants a
stay under this section, a fine or penalty shall not accrue on the
obligation, liability, tax, or assessment for the period of compliance
with the terms and conditions of the stay.

``SEC. 702. POWER OF ATTORNEY.

``(a) Automatic Extension.--A power of attorney of a servicemember
shall be automatically extended for the period the servicemember is in
a missing status (as defined in section 551(2) of title 37, United
States Code) if the power of attorney--
``(1) was duly executed by the servicemember--
``(A) while in military service; or
``(B) before entry into military service but after the
servicemember--
``(i) received a call or order to report for military
service; or
``(ii) was notified by an official of the Department of
Defense that the person could receive a call or order to
report for military service;
``(2) designates the servicemember's spouse, parent, or other
named relative as the servicemember's attorney in fact for certain,
specified, or all purposes; and
``(3) expires by its terms after the servicemember entered a
missing status.
``(b) Limitation on Power of Attorney Extension.--A power of
attorney executed by a servicemember may not be extended under
subsection (a) if the document by its terms clearly indicates that the
power granted expires on the date specified even though the
servicemember, after the date of execution of the document, enters a
missing status.

``SEC. 703. PROFESSIONAL LIABILITY PROTECTION.

``(a) Applicability.--This section applies to a servicemember who--
``(1) after July 31, 1990, is ordered to active duty (other
than for training) pursuant to sections 688, 12301(a), 12301(g),
12302, 12304, 12306, or 12307 of title 10, United States Code, or
who is ordered to active duty under section 12301(d) of such title
during a period when members are on active duty pursuant to any of
the preceding sections; and
``(2) immediately before receiving the order to active duty--
``(A) was engaged in the furnishing of health-care or legal
services or other services determined by the Secretary of
Defense to be professional services; and
``(B) had in effect a professional liability insurance
policy that does not continue to cover claims filed with
respect to the servicemember during the period of the
servicemember's active duty unless the premiums are paid for
such coverage for such period.
``(b) Suspension of Coverage.--
``(1) Suspension.--Coverage of a servicemember referred to in
subsection (a) by a professional liability insurance policy shall
be suspended by the insurance carrier in accordance with this
subsection upon receipt of a written request from the servicemember
by the insurance carrier.
``(2) Premiums for suspended contracts.--A professional
liability insurance carrier--
``(A) may not require that premiums be paid by or on behalf
of a servicemember for any professional liability insurance
coverage suspended pursuant to paragraph (1); and
``(B) shall refund any amount paid for coverage for the
period of such suspension or, upon the election of such
servicemember, apply such amount for the payment of any premium
becoming due upon the reinstatement of such coverage.
``(3) Nonliability of carrier during suspension.--A
professional liability insurance carrier shall not be liable with
respect to any claim that is based on professional conduct
(including any failure to take any action in a professional
capacity) of a servicemember that occurs during a period of
suspension of that servicemember's professional liability insurance
under this subsection.
``(4) Certain claims considered to arise before suspension.--
For the purposes of paragraph (3), a claim based upon the failure
of a professional to make adequate provision for a patient, client,
or other person to receive professional services or other
assistance during the period of the professional's active duty
service shall be considered to be based on an action or failure to
take action before the beginning of the period of the suspension of
professional liability insurance under this subsection, except in a
case in which professional services were provided after the date of
the beginning of such period.
``(c) Reinstatement of Coverage.--
``(1) Reinstatement required.--Professional liability insurance
coverage suspended in the case of any servicemember pursuant to
subsection (b) shall be reinstated by the insurance carrier on the
date on which that servicemember transmits to the insurance carrier
a written request for reinstatement.
``(2) Time and premium for reinstatement.--The request of a
servicemember for reinstatement shall be effective only if the
servicemember transmits the request to the insurance carrier within
30 days after the date on which the servicemember is released from
active duty. The insurance carrier shall notify the servicemember
of the due date for payment of the premium of such insurance. Such
premium shall be paid by the servicemember within 30 days after
receipt of that notice.
``(3) Period of reinstated coverage.--The period for which
professional liability insurance coverage shall be reinstated for a
servicemember under this subsection may not be less than the
balance of the period for which coverage would have continued under
the insurance policy if the coverage had not been suspended.
``(d) Increase in Premium.--
``(1) Limitation on premium increases.--An insurance carrier
may not increase the amount of the premium charged for professional
liability insurance coverage of any servicemember for the minimum
period of the reinstatement of such coverage required under
subsection (c)(3) to an amount greater than the amount chargeable
for such coverage for such period before the suspension.
``(2) Exception.--Paragraph (1) does not prevent an increase in
premium to the extent of any general increase in the premiums
charged by that carrier for the same professional liability
coverage for persons similarly covered by such insurance during the
period of the suspension.
``(e) Continuation of Coverage of Unaffected Persons.--This section
does not--
``(1) require a suspension of professional liability insurance
protection for any person who is not a person referred to in
subsection (a) and who is covered by the same professional
liability insurance as a person referred to in such subsection; or
``(2) relieve any person of the obligation to pay premiums for
the coverage not required to be suspended.
``(f) Stay of Civil or Administrative Actions.--
``(1) Stay of actions.--A civil or administrative action for
damages on the basis of the alleged professional negligence or
other professional liability of a servicemember whose professional
liability insurance coverage has been suspended under subsection
(b) shall be stayed until the end of the period of the suspension
if--
``(A) the action was commenced during the period of the
suspension;
``(B) the action is based on an act or omission that
occurred before the date on which the suspension became
effective; and
``(C) the suspended professional liability insurance would,
except for the suspension, on its face cover the alleged
professional negligence or other professional liability
negligence or other professional liability of the
servicemember.
``(2) Date of commencement of action.--Whenever a civil or
administrative action for damages is stayed under paragraph (1) in
the case of any servicemember, the action shall have been deemed to
have been filed on the date on which the professional liability
insurance coverage of the servicemember is reinstated under
subsection (c).
``(g) Effect of Suspension Upon Limitations Period.--In the case of
a civil or administrative action for which a stay could have been
granted under subsection (f) by reason of the suspension of
professional liability insurance coverage of the defendant under this
section, the period of the suspension of the coverage shall be excluded
from the computation of any statutory period of limitation on the
commencement of such action.
``(h) Death During Period of Suspension.--If a servicemember whose
professional liability insurance coverage is suspended under subsection
(b) dies during the period of the suspension--
``(1) the requirement for the grant or continuance of a stay in
any civil or administrative action against such servicemember under
subsection (f)(1) shall terminate on the date of the death of such
servicemember; and
``(2) the carrier of the professional liability insurance so
suspended shall be liable for any claim for damages for
professional negligence or other professional liability of the
deceased servicemember in the same manner and to the same extent as
such carrier would be liable if the servicemember had died while
covered by such insurance but before the claim was filed.
``(i) Definitions.--For purposes of this section:
``(1) Active duty.--The term `active duty' has the meaning
given that term in section 101(d)(1) of title 10, United States
Code.
``(2) Profession.--The term `profession' includes occupation.
``(3) Professional.--The term `professional' includes
occupational.

``SEC. 704. HEALTH INSURANCE REINSTATEMENT.

``(a) Reinstatement of Health Insurance.--A servicemember who, by
reason of military service as defined in section 703(a)(1), is entitled
to the rights and protections of this Act shall also be entitled upon
termination or release from such service to reinstatement of any health
insurance that--
``(1) was in effect on the day before such service commenced;
and
``(2) was terminated effective on a date during the period of
such service.
``(b) No Exclusion or Waiting Period.--The reinstatement of health
care insurance coverage for the health or physical condition of a
servicemember described in subsection (a), or any other person who is
covered by the insurance by reason of the coverage of the
servicemember, shall not be subject to an exclusion or a waiting
period, if--
``(1) the condition arose before or during the period of such
service;
``(2) an exclusion or a waiting period would not have been
imposed for the condition during the period of coverage; and
``(3) if the condition relates to the servicemember, the
condition has not been determined by the Secretary of Veterans
Affairs to be a disability incurred or aggravated in the line of
duty (within the meaning of section 105 of title 38, United States
Code).
``(c) Exceptions.--Subsection (a) does not apply to a servicemember
entitled to participate in employer-offered insurance benefits pursuant
to the provisions of chapter 43 of title 38, United States Code.
``(d) Time for Applying for Reinstatement.--An application under
this section must be filed not later than 120 days after the date of
the termination of or release from military service.

``SEC. 705. GUARANTEE OF RESIDENCY FOR MILITARY PERSONNEL.

``For the purposes of voting for any Federal office (as defined in
section 301 of the Federal Election Campaign Act of 1971 (2 U.S.C.
431)) or a State or local office, a person who is absent from a State
in compliance with military or naval orders shall not, solely by reason
of that absence--
``(1) be deemed to have lost a residence or domicile in that
State, without regard to whether or not the person intends to
return to that State;
``(2) be deemed to have acquired a residence or domicile in any
other State; or
``(3) be deemed to have become a resident in or a resident of
any other State.

``SEC. 706. BUSINESS OR TRADE OBLIGATIONS.

``(a) Availability of Non-Business Assets To Satisfy Obligations.--
If the trade or business (without regard to the form in which such
trade or business is carried out) of a servicemember has an obligation
or liability for which the servicemember is personally liable, the
assets of the servicemember not held in connection with the trade or
business may not be available for satisfaction of the obligation or
liability during the servicemember's military service.
``(b) Relief to Obligors.--Upon application to a court by the
holder of an obligation or liability covered by this section, relief
granted by this section to a servicemember may be modified as justice
and equity require.''.

SEC. 2. CONFORMING AMENDMENTS.

(a) Military Selective Service Act.--Section 14 of the Military
Selective Service Act (50 U.S.C. App. 464) is repealed.
(b) Title 5, United States Code.--
(1) Section 5520a(k)(2)(A) of title 5, United States Code, is
amended by striking ``Soldiers' and Sailors' Civil Relief Act of
1940'' and inserting ``Servicemembers Civil Relief Act''; and
(2) Section 5569(e) of title 5, United States Code, is
amended--
(A) in paragraph (1), by striking ``provided by the
Soldiers' and Sailors' Civil Relief Act of 1940'' and all that
follows through ``of such Act'' and inserting ``provided by the
Servicemembers Civil Relief Act, including the benefits
provided by section 702 of such Act but excluding the benefits
provided by sections 104, 105, and 106, title IV, and title V
(other than sections 501 and 510) of such Act''; and
(B) in paragraph (2)(A), by striking ``person in the
military service'' and inserting ``servicemember''.
(c) Title 10, United States Code.--Section 1408(b)(1)(D) of title
10, United States Code, is amended by striking ``Soldiers' and Sailors'
Civil Relief Act of 1940'' and inserting ``Servicemembers Civil Relief
Act''.
(d) Internal Revenue Code.--Section 7654(d)(1) of the Internal
Revenue Code of 1986 is amended by striking ``Soldiers' and Sailors'
Civil Relief Act'' and inserting ``Servicemembers Civil Relief Act''.
(e) Public Health Service Act.--Section 212(e) of the Public Health
Service Act (42 U.S.C. 213(e)) is amended by striking ``Soldiers' and
Sailors' Civil Relief Act of 1940'' and inserting ``Servicemembers
Civil Relief Act''.
(f) Elementary and Secondary Education Act of 1965.--Section 8001
of the Elementary and Secondary Education Act of 1965 (20 U.S.C. 7701)
is amended by striking ``section 514 of the Soldiers' and Sailors'
Civil Relief Act of 1940 (50 U.S.C. App. 574)'' in the matter preceding
paragraph (1) and inserting ``section 511 of the Servicemembers Civil
Relief Act''.
(g) NOAA Commissioned Officer Corps Act of 2002.--Section 262(a)(2)
of National Oceanic and Atmospheric Administration Commissioned Officer
Corps Act of 2002 (33 U.S.C. 3072(a)(2)) is amended to read as follows:
``(2) The Servicemembers Civil Relief Act.''.

SEC. 3. EFFECTIVE DATE.

The amendment made by section 1 shall apply to any case that is not
final before the date of the enactment of this Act.

Speaker of the House of Representatives.

Vice President of the United States and
President of the Senate.