Expressing the sense of Congress that the Secretary of Defense, Federal banking agencies, the National Credit Union Administration, and the Federal Trade Commission should work to mitigate the financial hardships experienced by members of the reserve component as a result of being called to active duty.

Expresses the sense of Congress that the Secretary of Defense, Federal banking agencies, the National Credit Union Administration, and the Federal Trade Commission should work to mitigate the financial hardship experienced by members of the reserves as a direct result of being called to active duty, including the issuance of guidance and rules that allow for the consideration of appropriate deferral of home loans by financial institutions.