SCRA Foreclosure Protection Extended

The National Defense Authorization Act for Fiscal Year 2018 extends the SCRA’s one-year post-service protection against nonjudicial foreclosure through December 31, 2019.

The Servicemembers Civil Relief Act (SCRA) sets out a number of requirements to help servicemembers during and after their period of military service. For instance, the SCRA protects servicemembers against a nonjudicial foreclosure during military service and for a certain period thereafter. Specifically, if a servicemember takes out a mortgage before military service, the SCRA prohibits the lender from foreclosing nonjudicially while the servicemember is on active duty or within one year afterwards.

Under the original 2003 version of the SCRA, servicemembers received only 90 days of foreclosure protection after the period of active duty service ended, rather than one year. Congress extended the period to nine months in 2008, and then to one year in 2012. The protection was set to revert back to 90 days at the end of 2014, but it has been extended several times. The most recent extension happened on December 12, 2017, when President Trump signed the National Defense Authorization Act for Fiscal Year 2018 into law. This Act extended the one-year post-service protection through December 31, 2019.

Beginning January 1, 2020, though, the protection period reverts back to 90 days after military service ends.

(To learn about other protections for military servicemembers under the SCRA, see Legal Protections for America's Military: The Servicemembers Civil Relief Act.)

Effective date: December 12, 2017