Civil Relief Act Notice
01/06/2015 - We have updated the
HUD-92070 to reflect the change to the expiration date. HUD's current
version (as of
does not allow for the extension of the protection period
of one year for the foreclosure and related actions. The President
signed a bill on 12/18/2014 extending the one-year post-active duty
On January 26, 2011, HUD published a revised SCRA Notice. This was
necessary due to changes in Sections 527 and 533 of the SCRA. There were expanded
protections under the Housing and Economic Recovery Act and Helping
Heroes Keep Their Homes Act.
This notice updates the previous version issued under Mortgagee Letter 2006-28. This
Mortgagee Letter refers to the requirements and the prior form. Absent
other instructions, we recommend use of the new form immediately as it
reflects the requirements of the current laws.
Don't let the name fool you, this form should be sent to all homeowners
whether they are in the service or not, when they are in default. It is
impossible for you to know if your borrowers are just now protected
under the SCRA. This notice must be sent within 45 days of becoming
delinquent unless the loan has since paid current.
document (docx) to be customized as required in the form.
(Right click on the link to save the file.)
document This is for review. The form requires customization
to your bank. (Right click on the link to save the file.)
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