Fabio
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Ingested titles 12–51 and 54 from OLRC USLM XML @119-100 (the whole Code now, uniform edition; Title 53 is reserved/empty). LegalText 11,221 -> 59,740; repo total 105,704 records. Deterministic (byte-identical rerun, verified on Title 42's 8,356 sections); make check green. make legal-us-code default now covers every title. Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
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| LegalText | 42 U.S.C. § 1475 | Loan payment moratorium and foreclosure procedures | us | united_states_code | code_section | 42 | THE PUBLIC HEALTH AND WELFARE | 8A | SLUM CLEARANCE, URBAN RENEWAL, AND FARM HOUSING | 1475 | 42 U.S.C. § 1475 | current | 119-100 | 2026-06-26 | official | https://uscode.house.gov/download/releasepoints/us/pl/119/100/xml_usc42@119-100.zip | /us/usc/t42/s1475 | data/legal/raw/us/code/title-42/usc42.xml | 4a3a9c4dd2a35a5b0945e5f4408b84ad01e396fd0a4fc2ed8ed94476c6a17c23 | 644321055a08eb1f260a6a3e31ac157fa024756abf612a9fd6857e7e400cf24e | 3789a47fd34c911a3d7b5732096062535550d68ca76417125910b1bbab31f276 | 2026-07-04 | official |
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42 U.S.C. § 1475 - Loan payment moratorium and foreclosure procedures
Text
(a) Moratorium During any time that any such loan is outstanding, the Secretary is authorized under regulations to be prescribed by him to grant a moratorium upon the payment of interest and principal on such loan for so long a period as he deems necessary, upon a showing by the borrower that due to circumstances beyond his control, he is unable to continue making payments of such principal and interest when due without unduly impairing his standard of living. In cases of extreme hardship under the foregoing circumstances, the Secretary is further authorized to cancel interest due and payable on such loans during the moratorium. Should any foreclosure of such a mortgage securing such a loan upon which a moratorium has been granted occur, no deficiency judgment shall be taken against the mortgagor if he shall have faithfully tried to meet his obligation.
(b) Foreclosure procedures In foreclosing on any mortgage held by the Secretary under this subchapter, the Secretary shall follow the foreclosure procedures of the State in which the property involved is located to the extent such procedures are more favorable to the borrower than the foreclosure procedures that would otherwise be followed by the Secretary. This subsection shall be subject to the availability of amounts approved in appropriations Acts, to the extent additional budget authority is necessary to carry out this subsection.
(July 15, 1949, ch. 338, title V, § 505, 63 Stat. 434; Pub. L. 101–625, title VII, § 707, Nov. 28, 1990, 104 Stat. 4287.)
Notes
Editorial Notes
Amendments1990—Pub. L. 101–625 amended section catchline generally, designated existing provisions as subsec. (a) and inserted heading, and added subsec. (b).