NEW CONSUMER FINANCIAL PROTECTION BUREAU RULES FOR STRUGGLING HOMEOWNERS

8/13/2019 NEW CONSUMER FINANCIAL PROTECTION BUREAU RULES FOR STRUGGLING HOMEOWNERS

http://slidepdf.com/reader/full/new-consumer-financial-protection-bureau-rules-for-struggling-homeowners 1/104

EJIJOKJ[ 63, ;>69

F mulej th tcj ohrtmfmj sjrvlilgm ru`js jddjitlvj hg Bfgufry 6>, ;>65

Cj`p Dhr Ytrumm`lgm

Khrrhwjrs



; IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Ufk`j hd ihgtjgts

Lgtrheuitlhg ................................................................................................................. =

6. Fpp`ylgm dhr `hss oltlmftlhg .............................................................................. 6>

6.6 Lgtrheuitlhg ............................................................................................ 6>

6.; @hss oltlmftlhg2 Mjgjrf` rjqulrjojgts hg sjrvlijrs .............................. 6;

6.9 Lejgtldylgm ajy eftjs dhr ̀ hss oltlmftlhg fge dhrji`hsurj ...................... 6;

6.5 ]cjg ls f khrrhwjr ej`lgqujgt8 ............................................................. 65

6.: Ucj `hss oltlmftlhg prhijss ..................................................................... 6:

6.:.6 Ytjp hgj ’ Ucj `hss oltlmftlhg prhijss2 @lvj ihgtfit

drho tcj sjrvlijr th tcj khrrhwjr ......................................................... 6:

6.:.; Ytjp twh ’ Ucj `hss oltlmftlhg prhijss2 Mjgjrf`lgdhroftlhg fkhut ̀ hfg whrahut fge oheldliftlhg

phsslkl`ltljs............................................................................................ 6=

6.:.9 Ytjp tcrjj ’ Ucj `hss oltlmftlhg prhijss2 Fsslmglgm

pjrshggj` fge wrlttjg ghtlij ................................................................ 6<

6.:.5 Ytjp dhur ’ Ucj `hss oltlmftlhg prhijss2 ^jrlheli

stftjojgts wltc ej`lgqujgiy lgdhroftlhg .......................................... ;5

6.:.: Ytjp dlvj ’ Ucj khrrhwjr fpp`ljs dhr `hss oltlmftlhg ........................... ;=

6.:.4 Ytjp slx ’ Ucj sjrvlijr fiaghw`jemjs rjijlpt hd tcjfpp`liftlhg fge/hr cj`ps tcj khrrhwjr ihop`jtj tcj

khrrhwjr“s fpp`liftlhg ......................................................................... ;3

6.:.= Ytjp sjvjg ’ Ucj khrrhwjr ihop`jtjs tcj `hss oltlmftlhg

fpp`liftlhg ............................................................................................ 9>



9 IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

6.:.3 Ytjp jlmct ’ Ucj sjrvlijr jvfùftjs tcj khrrhwjr“s

ihop`jtj tcj `hss oltlmftlhg fpp`liftlhg ............................................. 9;

6.:.< Ytjp glgj ’ Ucj sjrvlijr hddjrs hr ejgljs f `hss

oltlmftlhg hptlhg th tcj khrrhwjr ....................................................... 94

6.:.6> Ytjp tjg’Khrrhwjr“s fiijptfgij hr rjbjitlhg hd fg hddjr

ofej ky tcj sjrvlijr ............................................................................ 93

6.:.66 Khrrhwjr“s fppjf` rlmcts ld `hss oltlmftlhg ls ejglje ........................... 56

6.4 Hddjrs hd `hss oltlmftlhg wcjrj tcj khrrhwjr cfs ght fpp`lje dhr `hss

oltlmftlhg hr wcjrj tcj khrrhwjr cfs sukolttje fg lgihop`jtj `hss

oltlmftlhg fpp`liftlhg kut tcj hddjr ls ght kfsje hg tcls lgihop`jtj

fpp`liftlhg .............................................................................................. 5;

6.= Ucj sjrvlijr“s hk`lmftlhg th ihop`y wltc tcj `hss oltlmftlhg ru`js ld tcj

khrrhwjr cfs sjgt f ijfsj ihoougliftlhg wrltlgm th tcj sjrvlijr ....... 59

6.3 @lfkl`lty dhr dflùrj th ihop`y wltc 6; I.D.[. 6>;5.56 ........................... 55

;. Dhrji`hsurj prhclkltlhgs ................................................................................... 5:

;.6 Lgtrheuitlhg ........................................................................................... 5:

;.6.6 Mjgjrf` ................................................................................................. 5:

;.6.; ]cft ehjs lt ojfg th ‐dl`j‟ f dhrji`hsurj ............................................ 54

;.; ]cjg ls f sjrvlijr prhclkltje drho dl`lgm f dhrji`hsurj fitlhg8 ............ 5=

;.9 ]cft cfppjgs ld tcj khrrhwjr sukolts f ihop`jtj `hss oltlmftlhg

fpp`liftlhg fdtjr dhrji`hsurj cfs kjjg dl`je8 ......................................... :>

;.9.6 Ohrj tcfg 9= efys kjdhrj f dhrji`hsurj sf`j ....................................... :>

;.9.; 9= efys hr ̀ jss kjdhrj f dhrji`hsurj sf`j .............................................. :;

9. Icfrmjs fge djjs tcft ifg kj lophsje hg f khrrhwjr ................................... :9

9.6 [u`js rjmfrelgm prhijsslgm fge fpp`ylgm pfyojgts ..............................:9

9.6.6 Du`` pjrlheli ohrtmfmj pfyojgts ........................................................ :9

9.6.; ^frtlf` pjrlheli ohrtmfmj pfyojgts .................................................... ::

9.; @loltftlhgs hg pyrfolelgm ̀ ftj djjs ...................................................... :4

9.9 @loltftlhgs hg dhrij-p`fije lgsurfgij .................................................. :4




9.9.6 ]cft ls Dhrij-p`fije Lgsurfgij8 ......................................................... :=

9.9.; ]cjg ifg tcj sjrvlijr puricfsj fge icfrmj tcj khrrhwjr

dhr dhrij-p`fije lgsurfgij8 .................................................................. :=

9.9.9 Chw ifg tcj khrrhwjr prhvj tcft tcj khrrhwjr cfs

cfzfre lgsurfgij ihvjrfmj lg hrejr th fvhle dhrij-p`fije

lgsurfgij8 ............................................................................................ :<

9.9.5 ûricfslgm fge icfrmlgm tcj khrrhwjr dhr dhrij-p`fije

lgsurfgij .............................................................................................. 4>

9.9.: Dhrij-p`fije lgsurfgij rjgjwf`s fge rjp`fijojgts ...........................4=

9.9.4 Ifgij``lgm dhrij-p`fije lgsurfgij ........................................................ =6

5. Ucj jrrhr rjshùtlhg prhijss ............................................................................ =;

5.6 Ytjp hgj ’ ]rlttjg ghtlij drho khrrhwjr ............................................... =;

5.6.6 Ghtlij ihgtjgt ....................................................................................... =;

5.6.; ]cft ls fg jrrhr8................................................................................... =9

5.6.9 ]cft ihugts fs f wrlttjg ghtlij8 ..........................................................=4

5.6.5 ]cjrj schuè tcj khrrhwjr sjge tcj wrlttjg ghtlij8 ..........................=4

5.; Ytjp twh ’ Ucj sjrvlijr fiaghw`jemjs rjijlpt hd tcj ghtlij hd jrrhr .... =3

5.9 Ytjp tcrjj ’ Ucj sjrvlijr lgvjstlmftjs tcj ghtlij hd jrrhr fge rjsphges

th tcj ghtlij hd jrrhr ............................................................................... =<

5.9.6 Lgvjstlmftlhg .........................................................................................=<

5.9.; [jsphgsj .............................................................................................. 3>

5.9.9 Ulolgm .................................................................................................. 3;

5.9.5 [jsphgelgm th ou`tlp`j f``jmftlhgs hd jrrhr ........................................ 39

5.9.: Jxijptlhgs ............................................................................................ 39

5.5 Lgtjrsjitlhg hd tcj jrrhr rjshùtlhg ru`js fge htcjr ̀ fws...................... 35

:. [jqujsts dhr lgdhroftlhg .................................................................................. 34

:.6 Ytjp hgj2 ]rlttjg rjqujst dhr lgdhroftlhg drho khrrhwjr ................... 34

:.6.6 [jqujst ihgtjgt ................................................................................... 34

:.6.; ]cft ihugts fs f rjqujst dhr lgdhroftlhg8 ......................................... 3<



: IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

:.6.9 ]cjrj schuè tcj khrrhwjr sjge tcj wrlttjg ghtlij8 ......................... <>

:.; Ytjp twh2 Ucj sjrvlijr fiaghw`jemjs rjijlpt hd tcj rjqujst dhr

lgdhroftlhg ............................................................................................. <6

:.;.6 [jqulrjojgts ........................................................................................ <6

:.;.; Jxijptlhgs ............................................................................................ <;

:.9 Ytjp tcrjj2 Ucj sjrvlijr rjsphges th tcj lgdhroftlhg rjqujst .............. <9

:.9.6 [jsphgsj .............................................................................................. <9

:.9.; Ulolgm .................................................................................................. <5

:.9.9 Jxijptlhgs ............................................................................................ <:

:.5 Htcjr lgdhroftlhg rjqujst rjqulrjojgts .............................................. <:

:.5.6 Djj dhr lgdhroftlhg .............................................................................. <: :.5.; Lgtjrsjitlhg hd tcj lgdhroftlhg rjqujst ru`js fge htcjr

`fws ....................................................................................................... <4

:.: Lgdhroftlhg fvfl`fk`j hg tcj ̂ jrlheli Ytftjojgt ................................. <4

4. [jqujsts dhr pfyhdd stftjojgts ........................................................................ <3

4.6 Ytjp hgj2 ................................................................................................. <3

4.; Ytjp twh2 ................................................................................................. <3

4.;.6 Fiiurfiy ............................................................................................... <3

4.;.; Ulolgm .................................................................................................. <<

Fppjgelx F2 ............................................................................................................ 6>>

Fppjgelx K2 ............................................................................................................ 6>9




Ucls mulej suoofrlzjs ijrtflg ohrtmfmj ru`js dlgf`lzje ky tcj

ID^K lg ;>69, kut lt ls ght f sukstltutj dhr tcj ru`js. Hg`y tcj ru`js

fge tcjlr hddlilf` lgtjrprjtftlhgs ifg prhvlej ihop`jtj fge

ejdlgltlvj lgdhroftlhg rjmfrelgm tcjlr rjqulrjojgts.



= IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

LgtrheuitlhgLg Bfgufry ;>69, tcj Ihgsuojr Dlgfgilf` ̂ rhtjitlhg Kurjfu lssuje sjvjrf` dlgf` ru`js

ihgijrglgm ohrtmfmj ofrajts lg tcj Zgltje Ytftjs (;>69 Ult`j SLT Dlgf` [u`js), pursufgt th tcj

Ehee-Drfga ]f`` Ytrjjt [jdhro fge Ihgsuojr ̂ rhtjitlhg Fit (Ehee-Drfga Fit), ̂ uk`li @fw

Gh. 666-;>9, 6;5 Ytft. 69=4 (;>6>).6 Ucj Kurjfu lssuje vfrlhus fojgeojgts th tcjsj ru`js tcft

frj fvfl`fk`j hg tcj Kurjfu“s wjksltj ft cttp2//www.ihgsuojrdlgfgij.mhv/ohrtmfmj-ru`js-ft-f-

m`fgij/. Ucls mulej ls ihgijrgje prlofrl`y wltc tcj gjw ohrtmfmj sjrvlilgm ru`js, wclic frj

ojfgt th feerjss ihgsuojr cfro tcft thha p`fij lg tcj ohrtmfmj sjrvlilgm ofrajt.;

Ucj ru`js ihgtflg spjildli rjqulrjojgts, elsiussje lg tcls mulej. Ucj ru`js f`sh rjqulrj sjrvlijrs

th fehpt ph`liljs fge prhijeurjs rjfshgfk`y ejslmgje th ficljvj hkbjitlvjs rj`ftlgm th, fohgm

6 Ypjildlif``y, hg Bfgufry 6>, ;>69, tcj Kurjfu lssuje Jsirhw [jqulrjojgts Zgejr tcj Urutc lg @jgelgm Fit

([jmu`ftlhg R), =3 D[ 5=;4 (Bfg. ;;, ;>69) (;>69 Jsirhws Dlgf` [u`j), Clmc-Ihst Ohrtmfmj fge Chojhwgjrsclp

Ihugsj`lgm Fojgeojgts th tcj Urutc lg @jgelgm Fit ([jmu`ftlhg R) fge Chojhwgjrsclp Ihugsj`lgm Fojgeojgts

th tcj [jf` Jstftj Yjtt`jojgt ^rhijeurjs Fit ([jmu`ftlhg S), =3 D[ 43:4 (Bfg. 96, ;>69) (;>69 CHJ^F Dlgf` [u`j),

fge Fkl`lty-th-[jpfy fge Vuf`ldlje Ohrtmfmj Ytfgefres Zgejr tcj Urutc lg @jgelgm Fit ([jmu`ftlhg R), =3 D[ 45>=

(Bfg. 9>, ;>69) (;>69 FU[ Dlgf` [u`j). Ucj Kurjfu ihgiurrjgt`y lssuje f prhphsf` th fojge tcj ;>69 FU[ Dlgf` [u`j,

wclic wfs dlgf`lzje hg Ofy ;<, ;>69. Yjj =3 D[ 44;6 (Bfg. 9>, ;>69) fge =3 D[ 9:59> (Bugj 6;, ;>69). Hg Bfgufry

6=, ;>69, tcj Kurjfu lssuje tcj [jf` Jstftj Yjtt`jojgt ^rhijeurjs Fit ([jmu`ftlhg S) fge Urutc lg @jgelgm Fit

([jmu`ftlhg R) Ohrtmfmj Yjrvlilgm Dlgf` [u`js, =3 D[ 6><>6 ([jmu`ftlhg R) (Djk. 65, ;>69) fge =3 D[ 6>4<:

([jmu`ftlhg S) (Djk. 65, ;>69) (;>69 Ohrtmfmj Yjrvlilgm Dlgf` [u`js). Hg Bfgufry 63, ;>69, tcj Kurjfu lssuje tcj

Elsi`hsurj fge Ej`lvjry [jqulrjojgts dhr Ihpljs hd Fpprflsf`s fge Htcjr ]rlttjg Tfùftlhgs Zgejr tcj Jquf` Irjelt

Hpphrtuglty Fit ([jmu`ftlhg K), =3 D[ =;6: (Bfg. 96, ;>69) (;>69 JIHF Dlgf` [u`j) fge, bhlgt`y wltc htcjr fmjgiljs,

lssuje Fpprflsf`s dhr Clmcjr-^rlije Ohrtmfmj @hfgs, =3 D[ 6>94= (Djk. 69, ;>69). Hg Bfgufry ;>, ;>69, tcj Kurjfulssuje tcj @hfg Hrlmlgfthr Ihopjgsftlhg [jqulrjojgts ugejr tcj Urutc lg @jgelgm Fit ([jmu`ftlhg R), =3 D[ 66;3>

(Djk. 6:, ;>69) (;>69 @hfg Hrlmlgfthr Ihopjgsftlhg Dlgf` [u`j).

; Kurjfu hd Ihgsuojr Dlgfgilf` ^rhtjitlhg, Ohrtmfmj Yjrvlilgm [u`js ugejr tcj [jf` Jstftj Yjtt`jojgt ^rhijeurjs

Fit ([jmu`ftlhg S), =3 Dje. [jm. 6>4<4, 6>=>> (Djkrufry 65, ;>69).

http://www.consumerfinance.gov/mortgage-rules-at-a-glance/









htcjr tclgms2 fiijsslgm fge prhvlelgm tloj`y fge fiiurftj lgdhroftlhg,9 prhpjr`y jvfùftlgm

`hss oltlmftlhg fpp`liftlhgs,5 dfil`ltftlgm hvjrslmct hd fge jgsurlgm ihop`lfgij wltc tcj ru`js ky

sjrvlij prhvlejrs,: dfil`ltftlgm trfgsdjr hd lgdhroftlhg wcjg sjrvlilgm ls trfgsdjrrje th f elddjrjgt

sjrvlijr,4 fge lgdhrolgm khrrhwjrs hd jrrhr rjshùtlhg fge lgdhroftlhg rjqujst prhijeurjs.

=

Ucj ru`js f`sh sjt dhrtc rjqulrjojgts hg rjihre rjtjgtlhg fge tcj ihgtjgts hd f sjrvlilgm dl`j.3 F

ihpy hd tcj ru`j, sjttlgm dhrtc tcj spjildli ltjos tcft oust kj ihvjrje lg tcj sjrvlijr“s ph`liljs

fge prhijeurjs, ls fttficje th tcls hut`lgj fs Fppjgelx F.<

Ucjsj gjw ru`js kjihoj jddjitlvj hg Bfgufry 6>, ;>65. Fgy khrrhwjr wch ls ohrj tcfg 9= efys

drho f dhrji`hsurj sf`j hg Bfgufry 6>, ;>65 fge dl`js f ihop`jtj `hss oltlmftlhg fpp`liftlhg

kjdhrj 9= efys kjdhrj f dhrji`hsurj sf`j ls jgtlt`je th fg jvfùftlhg hd tcj ihop`jtj `hss

oltlmftlhg fpp`liftlhg dhr f`` fvfl`fk`j ̀ hss oltlmftlhg hptlhgs ugejr 6; I.D.[. 6>;5.56, fs

ejsirlkje ohrj du``y lg sjitlhg 6.: hd tcls mulej.

Yof`` sjrvlijrs frj jxjopt drho shoj hd tcj gjw ru`js. F icfrt schwlgm wclic sjrvlijrs frj

sukbjit th wclic ru`js ls fttficje th tcls Mulej fs Fppjgelx K. F sof`` sjrvlijr ls jltcjr2

F sjrvlijr tcft, thmjtcjr wltc fddl`lftjs, sjrvlijs :,>>> hr djwjr ohrtmfmj `hfgs fge

sjrvlijs hg`y ohrtmfmj `hfgs tcft tcjy hr fg fddl`lftj hrlmlgftje hr hwg, hr

9 6; I.D.[. § 6>;5.93(k)(6).

5 6; I.D.[. § 6>;5.93(k)(;).

: 6; I.D.[. § 6>;5.93(k)(9).

4 6; I.D.[. § 6>;5.93(k)(5).

= 6; I.D.[. § 6>;5.93(k)(:).

3 6; I.D.[. § 6>;5.93(i).

< 6; I.D.[. § 6>;5.93.



< IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

F sjrvlijr tcft ls f chuslgm dlgfgij fmjgiy fs ejdlgje lg ;5 I.D.[. ;44.:.6>

Ucls mulej wl`` fle lg ejtjrolglgm wcjg f khrrhwjr ls ej`lgqujgt dhr purphsjs hd [jmu`ftlhg S“s

jfr`y lgtjrvjgtlhg rjqulrjojgt, sjts dhrtc f stjp-ky-stjp mulej th tcj `hss oltlmftlhg prhijss

ugejr tcj gjw sjrvlilgm ru`js, fge elsiussjs wcjg f sjrvlijr ifg lgltlftj f dhrji`hsurj ugejr tcj

gjw ru`js. Ucj mulej f`sh elsiussjs chw th rjsh`vj sjrvlijr jrrhrs fge chw th rjqujst

lgdhroftlhg drho f sjrvlijr.

Ucls mulej ls elvleje lgth slx pfrts, fs dh``hws2

6. Ucj ̀ hss oltlmftlhg fpp`liftlhg prhijss1

;. Dhrji`hsurj prhclkltlhgs ugejr tcj ru`j1

9. Icfrmjs fge djjs tcft ifg kj lophsje hg f khrrhwjr

5. Ucj prhijss dhr rjsh`vlgm jrrhrs ky f sjrvlijr1

:. Ucj prhijss dhr rjqujstlgm lgdhroftlhg drho f sjrvlijr1 fge

4. [jqujsts dhr pfyhdd stftjojgts

6> 6; I.D.[. § 6>;4.56(j)(5).



6> IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

6. Fpp`ylgm dhr `hss oltlmftlhg

6.6 LgtrheuitlhgUcls sjitlhg sjts hut tcj jfr`y lgtjrvjgtlhg, ihgtlgulty hd ihgtfit, fge `hss oltlmftlhg prhijeurjs

ihgtflgje lg tcj gjw ru`js, fs wj`` fs pjrlheli stftjojgt rjqulrjojgts dhr khrrhwjrs wch frj

ej`lgqujgt hg tcjlr ohrtmfmj. Khrrhwjrs schuè kj jgihurfmje th tfaj du`` fevfgtfmj hd tcj

ihgtfits fge prhijssjs prhvleje dhr lg tcjsj ru`j. ]cl`j shoj hd tcjsj ru`js fpp`y hg`y th

ej`lgqujgt khrrhwjrs, f khrrhwjr ifg fpp`y dhr ̀ hss oltlmftlhg rj`ljd wcjtcjr hr ght tcj

khrrhwjr ls ej`lgqujgt.

Ucj Djejrf` rjmu`ftlhgs elsiussje cjrj frj ojfgt th kj olglouo rjqulrjojgts dhr sjrvlijrs,

fge stftjs ofy fehpt rjmu`ftlhgs tcft hddjr mrjftjr ihgsuojr prhtjitlhg.66

Lgelvleuf` ohrtmfmj

`jgejrs fge hwgjrs frj f`sh drjj th fehpt feeltlhgf` rjqulrjojgts dhr sjrvlijrs.

Ucj ru`js prhvlej tcft ‐F sjrvlijr ls hg`y rjqulrje th ihop`y wltc tcj rjqulrjojgts Qlg tcj ̀ hss

oltlmftlhg prhijeurjs ’ 6; I.D.[. 6>;5.56_ dhr f slgm`j ihop`jtj `hss oltlmftlhg fpp l̀iftlhg dhr f

khrrhwjr“s ohrtmfmj `hfg fiihugt.‟6;

Ucls ojfgs tcft ld f khrrhwjr sukolts f ihop`jtj `hss oltlmftlhg fpp`liftlhg, fge `ftjr sjjas

feeltlhgf` `hss oltlmftlhg fsslstfgij, tcj khrrhwjr ofy ght kj jgtlt`je th f sjihge du`` `hss

oltlmftlhg prhijss ugejr tcj ru`js.

66 Ihgsuojr Dlgfgilf` ̂ rhtjitlhg Kurjfu, ;>69 [jf` Jstftj Yjtt`jojgt ̂ rhijeurjs Fit ([jmu`ftlhg S) fge

Urutc lg @jgelgm Fit ([jmu`ftlhg R) Ohrtmfmj Yjrvlilgm Dlgf` [u`js, Yof`` Jgtlty Ihop`lfgij Mulej ft 66(Ghvjokjr ;=, ;>69)1 6; I.D.[. 6>;5.:(i) fge Ihoojgt :(i)(6)-6.

6; 6; I.D.[. § 6>;5.56(l).




Chwjvjr, ld sjrvlilgm hg tcj fiihugt ls trfgsdjrrje th f gjw sjrvlijr, tcj khrrhwjr ofy kj fk`j

th fpp`y dhr `hss oltlmftlhg fmflg.69

Ehiuojgts fge lgdhroftlhg trfgsdjrrje drho tcj hè sjrvlijr th tcj gjw sjrvlijr

ofy ihugt fs fg fpp`liftlhg dhr ̀ hss oltlmftlhg, trlmmjrlgm f`` hd tcj rjsphgslkl`ltljs hdsjitlhg 6>;5.56.

Yof`` sjrvlijrs eh ght cfvj th ihop`y wltc tcj `hss oltlmftlhg ru`js, jxijpt tcft sof`` sjrvlijrs

oust ihop`y wltc tcj rjqulrjojgts lg ;5 I.D.[. 6>;5.56(d)(6)(prhclkltlhg hg dhrji`hsurj

rjdjrrf`, lgiùelgm tcj 6;>-efy `lolt)65

fge ifgght ‐ofaj tcj dlrst ghtlij hr dl`lgm rjqulrje ky

fpp`lifk`j `fw dhr fgy buelilf` hr ghg-buelilf` dhrji`hsurj prhijss fge scf`` ght ohvj dhr

dhrji`hsurj buemojgt hr hrejr hd sf`j hr ihgeuit f dhrji`hsurj sf`j ld f khrrhwjr ls pjrdhrolgm

pursufgt th tcj tjros hd fg fmrjjojgt hg f `hss oltlmftlhg hptlhg.‟6:

Ld f sjrvlijr oflgtflgs fg jxiùslvj feerjss tcft tcj khrrhwjr oust usj th fssjrt fg jrrhr fmflgst

tcj sjrvlijr, hr rjqujst lgdhroftlhg drho tcj sjrvlijr, tcj sjrvlijr oust lgiùej tcls jxiùslvj

feerjss lg fgy wrlttjg ihoougliftlhgs wltc tcj khrrhwjr rjqulrje ky 6; I.D.[. 6>;5.9< fge 6;

I.D.[. 6>;5.56 lg wclic tcj sjrvlijr mlvjs tcj khrrhwjr tcj sjrvlijr“s ihgtfit lgdhroftlhg dhr

fsslstfgij.64

69 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(l) ’ 6 (‐F trfgsdjrjj sjrvlijr ls rjqulrje th ihop`y wltc

tcj rjqulrjojgts hd § 6>;5.56 rjmfre`jss hd wcjtcjr f khrrhwjr rjijlvje fg jvfùftlhg hd f ihop`jtj `hssoltlmftlhg fpp`liftlhg drho f trfgsdjrhr sjrvlijr.‟).

65 6; I.D.[. § 6>;5.56(b)1 6; I.D.[. § 6>;5.56(d)(6).

6: 6; I.D.[. § 6>;5.56(b)1 Ohrtmfmj Yjrvlilgm [u`js2 Ihvjrfmj, fvfl`fk`j ft 0

cttp2//dl`js.ihgsuojrdlgfgij.mhv/d/;>69>4XidpkXihopfrlshg-icfrtXsjrvlilgm-ru`js-fpp`lifkl`lty-rjmu`ftlhg-x-fge-rjmu`ftlhg-z.ped 71

64 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgts 9:(i) ’ ;(lv) fge 94(k) ’ ;(lv).

http://files.consumerfinance.gov/f/201306_cfpb_comparison-chart_servicing-rules-applicability-regulation-x-and-regulation-z.pdf






6; IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

6.; @hss oltlmftlhg2 Mjgjrf` rjqulrjojgtshg sjrvlijrs

Ucj gjw ru`js sjt dhrtc tcj prhijss tcft oust kj dh``hwje ky f sjrvlijr wch hddjrs `hss oltlmftlhg

hptlhgs th khrrhwjrs. Ucj hwgjr hr fsslmgjj hd f ̀ hfg ejtjrolgjs wcft hptlhgs wl`` kj fvfl`fk`j.

F sjrvlijr cfs gh euty ‐th prhvlej fgy khrrhwjr wltc fgy spjildli `hss oltlmftlhg hptlhgs.‟6=

‐Ghtclgm lg sjitlhg 6>;5.56 Qtcj `hss oltlmftlhg sjitlhg_ schuè kj ihgstruje th irjftj f rlmct

dhr f khrrhwjr th jgdhrij tcj tjros hd fgy fmrjjojgt kjtwjjg f sjrvlijr fge tcj hwgjr hr

fsslmgjj hd f ohrtmfmj `hfg, lgiùelgm wltc rjspjit th tcj jvfùftlhg dhr, hr hddjr hd, fgy `hss

oltlmftlhg hptlhg hr th j`lolgftj fgy suic rlmct tcft ofy jxlsts pursufgt th fpp`lifk`j `fw.‟ 63

Ucj `hss oltlmftlhg fpp`liftlhg ru`js hg`y fpp`y th `hss oltlmftlhg fpp`liftlhgs sukolttje hg hrfdtjr Bfgufry 6>, ;>65.

F khrrhwjr ehjs ght cfvj th kj ej`lgqujgt th fpp`y dhr `hss oltlmftlhg.

6.9 Lejgtldylgm ajy eftjs dhr `hss oltlmftlhgfge dhrji`hsurj

Yjvjrf` ajy eftjs cfvj th kj lejgtldlje, kjifusj tcj tlolgm hg vfrlhus pfrts hd tcj oheldliftlhg

fge dhrji`hsurj prhijss ls tlje th tcjsj eftjs. Yhoj hd tcj tlolgm ls kfsje hg chw ofgy efys lt

ls FDUJ[ tcj khrrhwjr kjihojs ej`lgqujgt. Htcjr tlolgm rjqulrjojgts frj kfsje hg tcj

sicjeu`je eftj hd f dhrji`hsurj sf`j, fge chw ofgy efys KJDH[J tcft eftj f `hss oltlmftlhg

fpp`liftlhg ls sukolttje. Ucjsj iruilf` eftjs frj2

6= 6; I.D.[. § 6>;5.56(f).

63 6; I.D.[. § 6>;5.56(f).




Ucj eftj hd ej`lgqujgiy 6<

94 efys fdtjr tcj eftj hd tcj olssje hr pfrtlf` pfyojgt

5: efys fdtjr tcj eftj hd tcj olssje hr pfrtlf` pfyojgt

6;> efys fdtjr f khrrhwjr kjihojs ej`lgqujgt

Ucj sicjeu`je eftj hd tcj dhrji`hsurj sf`j

Ld gh dhrji`hsurj sf`j ls sjt ft tcj tloj tcj khrrhwjr sukolts f ihop`jtj `hss

oltlmftlhg fpp`liftlhg, tcj `hss oltlmftlhg fpp`liftlhg ls trjftje fs ld lt wfs

rjijlvje ky tcj sjrvlijr ohrj tcfg <> efys kjdhrj fgy dhrji`hsurj sf`j.;>

Ucls

trjftojgt rjoflgs truj jvjg ld f dhrji`hsurj sf`j ls ̀ ftjr fituf``y sicjeu`je hr

rj-sicjeu`je. ;6

9= efys kjdhrj fgy sicjeu`je dhrji`hsurj sf`j

5: efys kjdhrj fgy sicjeu`je dhrji`hsurj sf`j

<> efys kjdhrj fgy sicjeu`je dhrji`hsurj sf`j

Ucj eftj tcj sjrvlijr rjijlvje f ihop`jtje ̀ hss oltlmftlhg fpp`liftlhg, hr tcj eftj f

`hss oltlmftlhg fpp`liftlhg ls dfilf``y ihop`jtj.

Ucj eftj tcj sjrvlijr prhvleje tcj khrrhwjr wltc f `hss oltlmftlhg hddjr.

]cl`j tcjrj ls gh ejfe l̀gj dhr ihop`jtlgm f `hss oltlmftlhg fpp`liftlhg, tcj shhgjr tcj ̀ hss

oltlmftlhg fpp`liftlhg ls ihop`jtje tcj ohrj rlmcts fge tloj tcj khrrhwjr ofy cfvj lg tcj ̀ hss

6<

Ajjp lg olge tcft tcft tcj ru`j ehjs ght jxp`lilt`y ejdlgj ‐ej`lgqujgiy,‟ f`tchumc tcj ihoojgtfry ehjsjxp`flg wcft ihgstltutjs f ej`lgqujgiy dhr ijrtflg spjildli purphsjs. Yjj sjitlhg 6.5 hd tcls mulej.

;> 6; I.D.[. § 6>;5.56(k)(9) fge Ihoojgt 56(k)(9) ’ 6.

;6 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(k)(9) ’ ;.




oltlmftlhg prhijss. Khrrhwjrs wch sukolt f ihop`jtje fpp`liftlhg 9= efys hr `jss kjdhrj f

dhrji`hsurj sf`j frj ght jgtlt`je th cfvj tcj sjrvlijr ihop`y wltc tcj ̀ hss oltlmftlhg

rjqulrjojgts ihgtflgje lg 6; I.D.[. 6>;5.56 wltc rjspjit th tcft fpp`liftlhg,;;

f`tchumc tcj

sjrvlijr wl`` stl`` cfvj th ihop`y wltc fgy lgvjsthr mulej`lgjs dhr ̀ hss oltlmftlhg fpp`liftlhgs

rjijlvje eurlgm tcls pjrlhe.

6.5 ]cjg ls f khrrhwjr ej`lgqujgt8Ucj ru`js eh ght prhvlej fg jxp`lilt ejdlgltlhg hd ‐ej`lgqujgiy,‟ kut tcj ihoojgtfry ehjs

jxp`flg wcft ihgstltutjs f ej`lgqujgiy dhr twh spjildli purphsjs. Ld f khrrhwjr kjihojs

ej`lgqujgt, f sjrvlijr cfs ijrtflg hk`lmftlhgs th fttjopt ihgtfit wltc tcj khrrhwjr fge fsslmg

pjrshggj` th kj ihgtlguf``y fvfl`fk`j th elsiuss tcj khrrhwjr“s `hfg. F khrrhwjr ls ej`lgqujgt

dhr purphsjs hd tcjsj jfr`y lgtjrvjgtlhg (6; I.D.[. 6>;5.9<) fge ihgtlgulty hd ihgtfit (6; I.D.[.

6>;5.5>) rjqulrjojgts wcjg tcj khrrhwjr dfl`s th ofaj f pfyojgt suddliljgt th ihvjr prlgilpf`,

lgtjrjst fge, ld fpp`lifk`j, jsirhw hg tcj eftj tcft tcj pfyojgt ls euj.;9

F khrrhwjr ls ej`lgqujgt hg tcj efy f du`` pfyojgt ls euj fge ght du``y pfle, ‐jvjg ld tcj

khrrhwjr ls fddhreje f pjrlhe fdtjr tcj euj eftj th pfy kjdhrj tcj sjrvlijr fssjssjs f `ftj djj.‟;5

Dhr jxfop`j, 6; I.D.[. 6>;5.9< prhvlejs tcft f sjrvlijr oust ‐jstfk`lsc hr ofaj mhhe

dfltc jddhrts th jstfk`lsc `lvj ihgtfit wltc f ej`lgqujgt khrrhwjr ght `ftjr tcfg tcj 94tc

efy hd tcj khrrhwjr“s ej`lgqujgiy…‟;: Ucls ojfgs tcft ld tcj khrrhwjr“s pfyojgt wfs

euj hg Bfgufry 6 ‐fge tcj fohugt euj ls ght du``y pfle eurlgm tcj 94-efy pjrlhe fdtjr

Bfgufry 6, tcj sjrvlijr oust jstfk`lsc hr ofaj mhhe dfltc jddhrts th jstfk`lsc `lvj ihgtfit

;; 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(m) ’ 5.

;9 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgts 9<(f) ’ 6(l)1 9<(k)(6) ’ 6 fge 5>(f) ’ 9.

;5 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 6(l).

;: 6; I.D.[. § 6>;5.9<(f).



6: IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

ght `ftjr tcfg 94 efys fdtjr Bfgufry 6 ’ l.j., ky Djkrufry 4.‟;4

Ucls ojfgs tcft Bfgufry ;

ls efy hgj, Bfgufry 9 ls efy ;, jti.

6.: Ucj `hss oltlmftlhg prhijss

6.:.6 Ytjp hgj ’ Ucj `hss oltlmftlhg prhijss2 @lvj ihgtfitdrho tcj sjrvlijr th tcj khrrhwjr

[JVZL[JOJGU

Kjtwjjg tcj efy tcj khrrhwjr“s ohrtmfmj pfyojgt ls euj fge ght pfle lg du`` fge 94 efys `ftjr

tcj sjrvlijr oust ofaj f mhhe dfltc jddhrt th rjfic tcj khrrhwjr, hr fg futchrlzje fmjgt hd tcj

khrrhwjr, ky tj`jpchgj (ght bust `jfvj f ojssfmj) hr tfà th tcj khrrhwjr lg fg lg-pjrshg

ojjtlgm th elsiuss tcj ilriuostfgijs hd tcj khrrhwjr“s ej`lgqujgiy.;=

Yjrvlijrs frj jgihurfmje th rjfic hut ohrj tcfg hgij th f ej`lgqujgt khrrhwjr th

jstfk`lsc ̀ lvj ihgtfit, sh f khrrhwjr schuè ght kj surprlsje th rjijlvj ohrj tcfg hgj

pchgj if`` hr j`jitrhgli ihoougliftlhg drho tcj sjrvlijr ld tcj khrrhwjr cfs ght

rjsphgeje th tcj sjrvlijr“s jddhrts th rjfic tcj khrrhwjr.;3

JSIJÛLHGYUcls ru`j ehjs ght rjqulrj ihgtfit wltc f khrrhwjr wch2

cfs dl`je dhr kfgaruptiy rj`ljd hr wchsj bhlgt hk`lmhr cfs dl`je dhr kfgaruptiy rj`ljd1;<

;4 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 6(l).

;=

6; I.D.[. § 6>;5.9<(f) fge Ihoojgt 9<(f) ’ ;. Ihgtfitlgm fg fmjgt ls pjrolttje ky 6; I.D.[. pfrt 6>;5Yupp`jojgt L, Ihoojgt 9<(f) - 5.

;3 Le.

;< 6; I.D.[. § 6>;5.9<(e)(6) fge Ihoojgt 9<(e)(6) ’ 9.




cfs lgstruitje tcj sjrvlijr lg wrltlgm th ijfsj ihoougliftlhgs wltc tcj khrrhwjr

pursufgt th tcj Dflr Ejkt Ih``jitlhg ^rfitlijs Fit, ld tcj sjrvlijr ls f ejkt ih``jithr

sukbjit th tcj Dflr Ejkt Ih``jitlhg ^rfitlijs Fit wltc rjspjit th tcft khrrhwjr19>

ls ofalgm pfyojgts fs fmrjje hg fgy `hss oltlmftlhg ihgtrfit1 96

sjgt f tloj`y pfyojgt th f dhrojr sjrvlijr wltclg 4> efys kjdhrj tcj iurrjgt sjrvlijr

thha hvjr tcj ̀ hfg, fge ld tcj iurrjgt sjrvlijr ̀ jfrgs hd tcls pfyojgt fge ehiuojgts

tcj olselrjitje pfyojgt lg tcj sjrvlijr“s dl`js1 9;

iurjs f ej`lgqujgt pfyojgt eurlgm tcls 94-efy lgltlf` ihgtfit pjrlhe. 99

9> 6; I.D.[. § 6>;5.9<(e)(;). Ucj DEI^F ijfsj ihoougliftlhgs ru`j ifg kj dhuge ft 6: Z.Y.I. § 64<;i(i).

96 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 6(ll).

9; 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 6(lll).

99 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 6(lv).



6= IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

6.:.; Ytjp twh ’ Ucj `hss oltlmftlhg prhijss2 Mjgjrf`lgdhroftlhg fkhut `hfg whrahut fge oheldliftlhgphsslkl`ltljs

[JVZL[JOJGU

]cft fge ]cjg8

^rhopt`y fdtjr tcj sjrvlijr ofajs ̀ lvj ihgtfit wltc tcj khrrhwjr tcj sjrvlijr oust tj`` tcj

khrrhwjr, hr fg futchrlzje fmjgt hd tcj khrrhwjr, fkhut tcj fvfl`fkl`lty hd ̀ hss oltlmftlhg

hptlhgs ld fpprhprlftj.95

Lt ls wltclg tcj sjrvlijr“s ‐rjfshgfk`j elsirjtlhg‟ th ejilej ld lt ls fpprhprlftj ugejr tcj

ilriuostfgijs th lgdhro tcj khrrhwjr fkhut tcj fvfl`fkl`lty hd ̀ hss oltlmftlhg hptlhgs.9:

Ucj ihoojgtfry th tcj ru`j mlvjs jxfop`js2

Ld f khrrhwjr cfs cfe f ‐oftjrlf` fevjrsj icfgmj lg tcj khrrhwjr“s dlgfgilf`

ilriuostfgijs tcft ls ̀ laj`y th ifusj tcj khrrhwjr th jxpjrljgij f ̀ hgm-tjro

ej`lgqujgiy dhr wclic ̀ hss oltlmftlhg hptlhgs olmct kj fvfl`fk`j,‟ tcj sjrvlijr

schuè tj`` tcj khrrhwjr fkhut tchsj hptlhgs.94

Ld tcj khrrhwjr sfys slop`y tcft f pfyojgt wl`` kj `ftj, tcj sjrvlijr ehjs ght

cfvj th lgdhro tcj khrrhwjr fkhut tcj fvfl`fkl`lty hd ̀ hss oltlmftlhg hptlhgs. 9=

Ucj lgdhroftlhg mlvjg th tcj khrrhwjr ft tcls stfmj ehjs ght cfvj th kj fkhut spjildli

whrahut hptlhgs. [ftcjr, tcj sjrvlijr ifg bust tj`` tcj khrrhwjr ‐mjgjrf``y tcft `hss

oltlmftlhg hptlhgs ofy kj fvfl`fk`j.‟ 93

95 6; I.D.[. § 6>;5.9<(f)1 ihgtfitlgm fg fmjgt ls pjrolttje ky 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt

9<(f) ’ 5.

9: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 9.

94 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 9(l)(F).

9= 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 9(l)(K).




Chw Mlvjg8

Ucj sjrvlijr ifg mlvj tcj khrrhwjr tcj lgdhroftlhg fkhut ̀ hss oltlmftlhg hptlhgs ‐hrf``y,

lg wrltlgm, hr tcrhumc j`jitrhgli ihoougliftlhg.‟9<

Ucj sjrvlijr ifg ihop`y wltc tcls hk`lmftlhg ky mlvlgm tcj wrlttjg ghtlij rjqulrje ky 6;

I.D.[. 6>;5.9<(k) (elsiussje lg sjitlhg 6.:.9) th tcj khrrhwjr prhopt`y fdtjr jstfk`lsclgm`lvj ihgtfit.

5>

JSIJÛLHGY

Ucls jfr`y lgtjrvjgtlhg ru`j ehjs ght rjqulrj ihgtfit wltc f khrrhwjr wch2

cfs dl`je dhr kfgaruptiy rj`ljd hr wchsj bhlgt hk`lmhr cfs dl`je dhr kfgaruptiy rj`ljd156

cfs lgstruitje tcj sjrvlijr lg wrltlgm th ijfsj ihoougliftlhgs wltc tcj khrrhwjr

pursufgt th tcj Dflr Ejkt Ih``jitlhg ^rfitlijs Fit, ld tcj sjrvlijr ls f ejkt ih``jithr

sukbjit th tcj Dflr Ejkt Ih``jitlhg ^rfitlijs Fit wltc rjspjit th tcft khrrhwjr15;

ls ofalgm pfyojgts fs fmrjje hg fgy `hss oltlmftlhg ihgtrfit159

sjgt f tloj`y pfyojgt th f dhrojr sjrvlijr wltclg 4> efys kjdhrj tcj iurrjgt sjrvlijr

thha hvjr tcj `hfg, fge ld tcj iurrjgt sjrvlijr `jfrgs hd tcls pfyojgt fge ehiuojgts tcj

olselrjitje pfyojgt lg tcj sjrvlijr“s dl`js.55


9< 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 9(ll).

5> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 9(ll).

56 6; I.D.[. § 6>;5.9<(e)(6) fge Ihoojgt 9<(e)(6) ’ 9.

5; 6; I.D.[. § 6>;5.9<(e)(;). Ucj DEI^F ijfsj ihoougliftlhgs ru`j ifg kj dhuge ft 6: Z.Y.I. § 64<;i(i).


55 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 6(lll).



6< IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

6.:.9 Ytjp tcrjj ’ Ucj `hss oltlmftlhg prhijss2 Fsslmglgmpjrshggj` fge wrlttjg ghtlij

Kjtwjjg tcj efy hd tcj khrrhwjr“s olssje ohrtmfmj pfyojgt fge 5: efys `ftjr tcj sjrvlijr

schuè fsslmg pjrshggj` th tcj ohrtmfmj, fge oust sjge f wrlttjg ghtlij.

FYYLMGLGM ^J[YHGGJ@

[jqulrjojgt

Lg hrejr th prhvlej ihgtlgulty hd ihgtfit, tcj sjrvlijr schuè5:

fsslmg pjrshggj` (wclic ifg kj

hgj hr ohrj pjrshgs)54

th tcj ej`lgqujgt khrrhwjr, hr fg futchrlzje fmjgt hd tcj khrrhwjr,5=

wch wl`` kj fvfl`fk`j vlf tj`jpchgj, loojelftj`y hr lg f ‐tloj`y ofggjr‟. 53

Ucj sjrvlijr oust ‐oflgtflg ph`liljs fge prhijeurjs tcft frj rjfshgfk`y ejslmgje …thjgsurj tcft‟ tcj sjrvlijr ifg2

prhvlej tcj fsslmgje pjrshggj` wltc fiijss th f`` ehiuojgts fge lgdhroftlhg tcj

khrrhwjr sukolts lg ihggjitlhg wltc f `hss oltlmftlhg hptlhg1 fge5<

dfil`ltftj tcj scfrlgm hd fiiurftj fge iurrjgt lgdhroftlhg fkhut tcj khrrhwjr“s

`hss oltlmftlhg fpp`liftlhg fge tcj stftus hd fgy dhrji`hsurj prhijjelgm kjtwjjg

tcj fsslmgje pjrshggj` fge htcjr fpprhprlftj pjrshggj`, suic fs tchsj cfge`lgm

f dhrji`hsurj.:>

5: 6; I.D.[. § 6>;5.93(f)( tcj sjrvlijr scf`` ‐oflgtflg ph`liljs fge prhijeurjs rjfshgfk`y ejslmgje th

ficljvj‟ tcjsj rjqulrjojgts).

54 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 5>(f) ’ ;.

5= Ihgtfit wltc fg fmjgt ls pjrolttje ky 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 5>(f) ’ 6.

53 6; I.D.[. § 6>;5.5>(f).

5< 6; I.D.[. §§ 6>;5.93(f) & (k)(;)(lll).

:> 6; I.D.[. §§ 6>;5.93(f) & (k)(9)(lll).



;> IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Ucj pjrshggj` fsslmgje schuè kj fk`j th rjsphge th tcj khrrhwjr“s lgqulrljs fge fsslst tcj

khrrhwjr wltc fvfl`fk`j `hss oltlmftlhg hptlhgs ky ehlgm tcj dh``hwlgm2 :6

Mlvlgm tcj khrrhwjr fiiurftj lgdhroftlhg fkhut ̀ hss oltlmftlhg hptlhgs1

Uj``lgm tcj khrrhwjr wcft tcj khrrhwjr cfs th eh th fpp`y dhr tcjsj hptlhgs1

Uj``lgm tcj khrrhwjr wcft tcj ohrtmfmj hwgjr“s ejfe`lgjs frj dhr fpp`ylgm dhr fge

prhijsslgm tcj khrrhwjr“s fpp`liftlhg1

Uj``lgm tcj khrrhwjr chw th fppjf` ld tcj sjrvlijr ejgljs tcj khrrhwjr“s `hss

oltlmftlhg fpp`liftlhg1

Uj``lgm tcj khrrhwjr tcj stftus hd fgy ̀ hss oltlmftlhg fpp`liftlhg1

Kjlgm fk`j th rjtrljvj fge prhvlej th fgyhgj ihgslejrlgm tcj khrrhwjr dhr `hss

oltlmftlhg f ihop`jtj rjihre hd tcj khrrhwjr“s pfyojgt clsthry1

Kjlgm fk`j th rjtrljvj fge prhvlej th fgyhgj ihgslejrlgm tcj khrrhwjr dhr `hss

oltlmftlhg f`` wrlttjg lgdhroftlhg tcj khrrhwjr cfs sukolttje th fgy sjrvlijr lg

ihggjitlhg wltc f ̀ hss oltlmftlhg fpp`liftlhg1 fge

Mlvlgm tcj khrrhwjr lgdhroftlhg fkhut tcj prhijeurjs dhr jrrhr rjshùtlhg:;

fge

rjqujstlgm lgdhroftlhg drho tcj sjrvlijr. :9

:6 6; I.D.[. §§ 6>;5.5>(f) & (k).

:; Yjj 6; I.D.[. § 6>;5.9:.

:9 Yjj 6; I.D.[. § 6>;5.94.



;6 IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Ucj pjrshggj` fsslmgje schuè rjoflg fsslmgje th tcj khrrhwjr ugtl` tcj khrrhwjr cfs ofej

twh ihgsjiutlvj ohrtmfmj pfyojgts ugejr f pjrofgjgt ̀ hss oltlmftlhg p`fg wltchut lgiurrlgm f

`ftj icfrmj. :5

Jxijptlhgs

^jrshggj` eh ght cfvj th kj fsslmgje th f khrrhwjr wch cfs f`rjfey rjdlgfgije hr pfle hdd tcj

`hfg, krhumct tcj `hfg iurrjgt, hr ld tcj prhpjrty cfs kjjg trfgsdjrrje th f gjw hwgjr tcrhumc

sf`j hr f ejje lg `lju hd dhrji`hsurj.::

Yof`` sjrvlijrs frj jxjopt drho tcls rjqulrjojgt.:4

][LUUJG GHULIJ

[jqulrjojgt

]cjg sjgt8

Kjtwjjg tcj efy hd tcj khrrhwjr“s olssje ohrtmfmj pfyojgt fge 5: efys `ftjr tcj sjrvlijr oust

sjge f wrlttjg ghtlij th tcj khrrhwjr, hr fg futchrlzje fmjgt hd tcj khrrhwjr.:=

Ucj ghtlij oust kj sjgt jvjg ld tcj sjrvlijr mfvj tcj khrrhwjr ̀ hss oltlmftlhg

lgdhroftlhg hrf``y eurlgm tcj lgltlf` ̀ lvj ihgtfit wltc tcj khrrhwjr (sjitlhg 6.:.;).:3

:5 6; I.D.[. § 6>;5.5>(f)(;).

:: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 5>(f)(6).

:4 Ohrtmfmj Yjrvlilgm [u`js2 Ihvjrfmj, fvfl`fk`j ft 0

cttp2//dl`js.ihgsuojrdlgfgij.mhv/d/;>69>4XidpkXihopfrlshg-icfrtXsjrvlilgm-ru`js-fpp`lifkl`lty-

rjmu`ftlhg-x-fge-rjmu`ftlhg-z.ped 7. :=

6; I.D.[. § 6>;5.9<(k)(;). Ihgtfitlgm fg fmjgt ls pjrolttje ky 6; I.D.[. pfrt 6>;5 Yupp`jojgt L,Ihoojgt 9<(k)(6) ’ 9.

:3 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(k)(6) ’ 5.







;; IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Ghtlij Ihgtjgt

Ucj ghtlij oust2

Jgihurfmj tcj khrrhwjr th ihgtfit tcj sjrvlijr1

Mlvj tcj khrrhwjr tcj tj`jpchgj guokjr dhr tcj pjrshggj` fsslmgje th tcj khrrhwjr

fge tcj sjrvlijr“s ofl`lgm feerjss1

Mlvj tcj khrrhwjr jxfop`js hd tcj ̀ hss oltlmftlhg hptlhgs tcft olmct kj fvfl`fk`j th

tcj khrrhwjr1 fge

Mlvj tcj khrrhwjr f ̀ hss oltlmftlhg fpp`liftlhg, ld tcj sjrvlijr ehjs ̀ hss oltlmftlhg,

hr tj`` tcj khrrhwjr chw th mjt ohrj lgdhroftlhg fkhut ̀ hss oltlmftlhg hptlhgs1

Ucls rjqulrjojgt ifg kj ihop`lje wltc ky slop`y tj``lgm tcj khrrhwjr th‐ihgtfit us dhr lgstruitlhgs hg chw th fpp`y,‟

:<

Ucj ihoojgtfry th tcj ru`j summjsts tcft sjrvlijrs olmct jxpjeltj tcj `hss

oltlmftlhg prhijss ky tj``lgm tcj khrrhwjr wcft ehiuojgts tcj khrrhwjr olmct

gjje th fpp`y, fge ‐fg jstloftj hd chw qulia`y‟ tcj sjrvlijr whuè jxpjit th kj

fk`j th jvfùftj fge ofaj f ejilslhg hg f ihop`jtj fpp`liftlhg. 4>

Mlvj tcj khrrhwjr f wjksltj feerjss fge tcj CZE th``-drjj tj`jpchgj guokjr wcjrj

tcj khrrhwjr ifg fiijss tcj ID^K hr CZE ̀ lst hd chuslgm ihugsj`hrs fge

hrmfglzftlhgs.

Ghtj tcft ld tcj sjrvlijr oflgtflgs fg jxiùslvj feerjss tcft tcj khrrhwjr oust usj th

fssjrt fg jrrhr fmflgst tcj sjrvlijr, hr rjqujst lgdhroftlhg drho tcj sjrvlijr, tcj

sjrvlijr oust lgiùej tcls jxiùslvj feerjss lg fgy wrlttjg jfr`y lgtjrvjgtlhg

:<6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(k)(;)(lv) ’ 6.

4> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(k)(;)(lv) ’ 6.




ihoougliftlhgs wltc tcj khrrhwjr rjqulrje ky 6; I.D.[. 6>;5.9< lg wclic tcj

sjrvlijr mlvjs tcj khrrhwjr tcj sjrvlijr“s ihgtfit lgdhroftlhg dhr tcj fsslstfgij.46

Ucj ghtlij ofy f`sh2

Mlvj tcj khrrhwjr feeltlhgf` lgdhroftlhg tcft tcj sjrvlijr tclgas whuè kj cj`pdu` th

tcj khrrhwjr14;

Mlvj tcj khrrhwjr feeltlhgf` lgdhroftlhg rjqulrje ky htcjr `fw, hr tcj hwgjr hr

fsslmgjj hd tcj ohrtmfmj. 49

Ghtlij Dhro

Ucj dhro hd tcj ghtlij2

Oust kj i`jfr fge ihgspliuhus, kut htcjrwlsj ifg kj lg fgy dhro, slzj, jti., fge ifg

kj ihoklgje wltc htcjr ghtlijs. 45

Ucj rjmu`ftlhg cfs ohej` i`fusjs tcft ofy kj usje ky sjrvlijrs th ihop`y wltc tcj

wrlttjg ghtlij dhro.4:

Jxijptlhgs

Ucj sjrvlijr ehjs GHU cfvj th sjge f wrlttjg ghtlij2

th f khrrhwjr wch cfs dl`je hr wchsj bhlgt hk`lmhr cfs dl`je dhr kfgaruptiy rj`ljd144

46 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgts 9:(i) ’ ;(lv) fge 94(k) ’ ;(lv).

4; 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(k)(;) ’ 6.

49 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(k)(;) ’ 6.

45 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgts 9<(k)(;) ’ ; & 9.

4: 6; I.D.[. § 6>;5.9<(k)(9)1 6; I.D.[. § 6>;5.9<, Fppjgelijs OY-5(F)1 OY5(K) fge OY-5(I).

44 6; I.D.[. § 6>;5.9<(e)(6) fge Ihoojgt 9<(e)(6) ’ 9.




th f khrrhwjr wch cfs lgstruitje tcj sjrvlijr lg wrltlgm th ijfsj ihoougliftlhgs

wltc tcj khrrhwjr pursufgt th tcj Dflr Ejkt Ih``jitlhg r̂fitlijs Fit, ld tcj sjrvlijr ls

f ejkt ih``jithr sukbjit th tcj Dflr Ejkt Ih``jitlhg ^rfitlijs Fit wltc rjspjit th tcj

khrrhwjr14=

th f khrrhwjr wch ls ofalgm pfyojgts fs fmrjje hg fgy `hss oltlmftlhg ihgtrfit

ejslmgje th krlgm tcj khrrhwjr iurrjgt hg f prjvlhus`y olssje pfyojgt143

th f khrrhwjr wch sjgt f tloj`y pfyojgt th f dhrojr sjrvlijr wltclg 4> efys kjdhrj

tcj iurrjgt sjrvlijr thha hvjr tcj `hfg, fge ld tcj iurrjgt sjrvlijr `jfrgs hd tcls

pfyojgt fge ehiuojgts tcj olselrjitje pfyojgt lg tcj sjrvlijr“s dl`js1 4<

ld tcj sjrvlijr cfs sjgt f wrlttjg ghtlij ugejr tcls sjitlhg hd tcj stftutj th f khrrhwjr

lg tcj `fst 63> efys. (Hg`y hgj ghtlij ls rjqulrje eurlgm fgy 63>-efy pjrlhe.)=>

6.:.5 Ytjp dhur ’ Ucj `hss oltlmftlhg prhijss2 ^jrlhelistftjojgts wltc ej`lgqujgiy lgdhroftlhg

[JVZL[JOJGU

Ucj gjw ru`js rjqulrj sjrvlijrs th sjge f ohgtc`y pjrlheli stftjojgt th ohst khrrhwjrs.=6

Kut

ld tcj sjrvlijr prhvlejs tcj khrrhwjr wltc f ihuphg khha tcft ojjts ijrtflg rjqulrjojgts, tcj

sjrvlijr ehjs ght cfvj th sjge f pjrlheli stftjojgt th tcj khrrhwjr.=; Zphg tcj khrrhwjr“s

ej`lgqujgiy, tcj ru`js eh ght f`tjr wcjtcjr f pjrlheli stftjojgt cfs th kj sjgt th tcj khrrhwjr.

4= 6; I.D.[. § 6>;5.9<(e)(;). Ucj DEI^F ijfsj ihoougliftlhgs ru`j ifg kj dhuge ft 6: Z.Y.I. § 64<;i(i).


4< 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9<(f) ’ 6(lll).

=> 6; I.D.[. § 6>;5.9<(k)(6) fge Ihoojgt 9<(k)(6) ’ ;.

=6 Yjj mjgjrf``y, 6; I.D.[. § 6>;4.56.

=; 6; I.D.[. § 6>;4.56(j)(9)



;: IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Chwjvjr, tcj ru`js rjqulrj tcft hgij tcj khrrhwjr cfs kjjg ej`lgqujgt dhr ohrj tcfg 5: efys

tcj sjrvlijr hr ohrtmfmj hwgjr hr fsslmgjj oust sjge tcj khrrhwjr ‐tcj dh``hwlgm ltjos,

mrhupje thmjtcjr lg i`hsj prhxlolty th jfic htcjr fge `hiftje hg tcj dlrst pfmj hd tcj Qpjrlheli_

stftjojgt hr, f`tjrgftlvj`y, hg f sjpfrftj pfmj jgi`hsje wltc tcj pjrlheli stftjojgt hr lg f

sjpfrftj ̀ jttjr‟=9

2

Ucj eftj tcj khrrhwjr kjifoj ej`lgqujgt1=5

Ucj phsslk`j rlsas, suic fs dhrji`hsurj, fge jxpjgsjs tcft olmct kj lgiurrje ky tcj

khrrhwjr ld tcj ej l̀gqujgiy ls ght iurje1 =:

Fg fiihugt clsthry ihvjrlgm tcj pjrlhe slgij tcj fiihugt wfs `fst iurrjgt hr dhr tcj

`fst slx ohgtcs, wclicjvjr ls schrtjr, fge schwlgm dhr tcft pjrlhe tcj fohugt pfst

euj drho jfic kl``lgm iyi`j fge tcj eftj hg wclic fgy pfyojgt wfs irjeltje fs du``y

pfle1=4

]cjtcjr tcj sjrvlijr cfs ofej tcj dlrst ‐ghtlij hr dl`lgm rjqulrje ky fpp`lifk`j `fw

dhr fgy buelilf` hr ghg-buelilf` dhrji`hsurj prhijss, ld fpp`lifk`j‟1==

Chw ouic oust kj pfle ky tcj khrrhwjr th krlgm tcj fiihugt iurrjgt1=3

F wjksltj feerjss fge tcj CZE th`̀ -drjj tj`jpchgj guokjr wcjrj tcj khrrhwjr ifg

fiijss tcj ID^K hr CZE `lst hd chuslgm ihugsj`hrs fge hrmfglzftlhgs1=<

=9 6; I.D.[. § 6>;4.56(e)(3)1 6; I.D.[. § 6>;4.56(j)(9)(lv).

=5 6; I.D.[. § 6>;4.56(e)(3)(l).

=: 6; I.D.[. § 6>;4.56(e)(3)(ll).

=4 6; I.D.[. § 6>;4.56(e)(3)(lll).

== 6; I.D.[. § 6>;4.56(e)(3)(v).

=3 6; I.D.[. § 6>;4.56(e)(3)(vl).




Lgdhroftlhg fkhut fgy ̀ hss oltlmftlhg prhmrfos tcft tcj khrrhwjr cfs f`rjfey

fmrjje th. 3>

Ghtj tcft ug`laj tcj htcjr ru`js lg tcls mulej, wclic fpp`y th sjrvlijrs hg`y, tcls ru`j fpp`ljs th

tcj ohrtmfmj hwgjr hr fsslmgjj fs wj``.

36

Ld tcj sjrvlijr sjges tcj khrrhwjr f pjrlheli stftjojgt, lt ifg usj tcj Yfop`j Dhro hd ^jrlheli

Ytftjojgt wltc Ej`lgqujgiy Khx tcft ls fppjgelx C-9> th tcj gjw rjmu`ftlhgs.3;

F sjrvlijr wch usjs tcls dhro prhpjr`y ls ejjoje th cfvj ihop`lje wltc tcj ej`lgqujgiy

pjrlheli stftjojgt ru`js.39

JSIJÛLHGY

Ucj sjrvlijr ehjs GHU cfvj th sjge tcls ej`lgqujgiy lgdhroftlhg th f khrrhwjr wch

cfs dl`je hr wchsj bhlgt hk`lmhr cfs dl`je dhr kfgaruptiy rj`ljd.35

Ucls ghtlij ehjs cfvj th kj sjgt jvjg ld tcj sjrvlijr ls f ejkt ih``jithr wltc rjspjit th

tcj khrrhwjr fge tcj khrrhwjr cfs sjgt f ijfsj ihoougliftlhg lgstruitlhg lg

wrltlgm ugejr tcj DEI^F.3:

=< 6; I.D.[. § 6>;4.56(e)(3)(vll). Ucj rjmu`ftlhg sfys tcft wcft oust kj prhvleje ls ‐f rjdjrjgij th tcj

chojhwgjrsclp ihugsj`hr lgdhroftlhg elsi`hsje pursufgt th….‟ tcj sjitlhg hg chuslgm ihugsj`hrs.

3> 6; I.D.[. § 6>;4.56(e)(3)(lv).

36 6; I.D.[. § 6>;4.56(f)(;).

3; 6; I.D.[. § 6>;4.56(i)1 6; I.D.[. § 6>;4, Fppjgelx C-9>(K).

39 6; I.D.[. § 6>;4.56(i).

35 6; I.D.[. § 6>;4.56(j)(:) fge Ihoojgt 56(j)(:) ’ 9.

3: ID^K ku``jtlg ;>69-6; ft 4, fvfl`fk`j ft cttp2//dl`js.ihgsuojrdlgfgij.mhv/d/;>696>XidpkXohrtmfmj-

sjrvlilgmXku``jtlg.ped .

http://files.consumerfinance.gov/f/201310_cfpb_mortgage-servicing_bulletin.pdf








;= IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

6.:.: Ytjp dlvj ’ Ucj khrrhwjr fpp`ljs dhr `hss oltlmftlhg

Ejtjrolglgm wcjg f khrrhwjr cfs fpp`lje dhr `hss oltlmftlhg ls iruilf` kjifusj hgij tcj

khrrhwjr cfs fpp`lje tcj sjrvlijr cfs ijrtflg hk`lmftlhgs, fs ejsirlkje lg tcls mulej.

]CFU LY FG F^^@LIFULHG8

Fg lgqulry fkhut `hss oltlmftlhg, lg wclic tcj khrrhwjr prhvlejs gh lgdhroftlhg th tcj sjrvlijr,

ls ght fg fpp`liftlhg.34

Kut ld tcj khrrhwjr ehjs prhvlej fgy lgdhroftlhg tcft whuè kj jvfùftje fs pfrt hd f `hss

oltlmftlhg fpp`liftlhg, tcj prhvlslhg hd tcj lgdhroftlhg LY fg fpp`liftlhg.3=

Ucj ihoojgtfry mlvjs jxfop`js hd ihoougliftlhgs drho tcj khrrhwjr th tcj

sjrvlijr tcft whuè kj ihgslejrje fg fpp`liftlhg, fge sfys tcft ‐f `hss oltlmftlhgfpp`liftlhg ls ihgslejrje jxpfgslvj`y.‟

33

Ld sjrvlilgm hg f ohrtmfmj fiihugt ls trfgsdjrrje th f gjw sjrvlijr, ehiuojgts fge lgdhroftlhg

trfgsdjrrje drho tcj hè sjrvlijr th tcj gjw sjrvlijr ofy ihugt fs fg fpp`liftlhg dhr `hss

oltlmftlhg, trlmmjrlgm f`` hd tcj rjsphgslkl`ltljs hd sjitlhg 6>;5.56.3<

34 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(6) ’ 9.

3= 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(6) ’ ;.

33 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(6) ’ ;.

3< 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(l) ’ 6.




6.:.4 Ytjp slx ’ Ucj sjrvlijr fiaghw`jemjs rjijlpt hd tcjfpp`liftlhg fge/hr cj`ps tcj khrrhwjr ihop`jtj tcjkhrrhwjr“s fpp`liftlhg

Lg mjgjrf`, sjrvlijrs oust ‐oflgtflg ph`liljs fge prhijeurjs tcft frj rjfshgfk`y ejslmgje …th

jgsurj tcft tcj sjrvlijr ifg… lejgtldy ehiuojgts fge lgdhroftlhg tcft f khrrhwjr ls rjqulrje th

sukolt th ihop`jtj f ̀ hss oltlmftlhg fpp`liftlhg…‟<>

YJ[TLIJ[“Y HK@LMFULHGY LD FG F^^@LIFULHG LY [JIJLTJE 5: EF\Y H[ OH[J

KJDH[J FG\ YICJEZ@JE DH[JI@HYZ[J YF@J

Ld tcj fpp`liftlhg ls rjijlvje 5: efys hr ohrj kjdhrj fgy sicjeu`je dhrji`hsurj sf`j, tcj sjrvlijr

oust rjvljw tcj `hss oltlmftlhg fpp`liftlhg th ejtjrolgj ld lt ls ihop`jtj.<6

Ucls oust kj ehgj

prhopt`y fdtjr rjijlpt hd tcj fpp`liftlhg.

Ld tcj fpp`liftlhg ls rjijlvje 5: efys hr ohrj kjdhrj fgy sicjeu`je dhrji`hsurj sf`j, tcj sjrvlijr

ls f`sh rjqulrje th sjge tcj khrrhwjr f wrlttjg fiaghw`jemjojgt tcft tcj sjrvlijr rjijlvje tcj

fpp`liftlhg. <;

Ucls wrlttjg fiaghw`jemjojgt oust tj`` tcj khrrhwjr wcjtcjr tcj fpp`liftlhg ls

ihop`jtj. Ucj wrlttjg fiaghw`jemjojgt oust kj sjgt wltclg dlvj efys fdtjr rjijlpt hd tcj

fpp`liftlhg, ght lgiùelgm wjjajges fge `jmf` puk`li ch`lefys.

Ld tcj fpp`liftlhg ls lgihop`jtj2

tcj sjrvlijr cfs th tj`` tcj khrrhwjr wcft feeltlhgf` ehiuojgts fge lgdhroftlhg

oust kj sukolttje th ihop`jtj tcj fpp`liftlhg1 <9

<> 6; I.D.[. §§ 6>;5.93(f) & (k)(;)(lv).

<6 6; I.D.[. § 6>;5.56(k)(;)(l)(F).

<; 6; I.D.[. § 6>;5.56(k)(;)(l)(K).

<9 6; I.D.[. § 6>;5.56(k)(;)(l)(K). Ucj sjrvlijr ls f`sh rjqulrje th ‐oflgtflg ph`liljs fge prhijeurjs tcft

frj rjfshgfk`y ejslmgje …th jgsurj tcft tcj sjrvlijr ifg… dfil`ltftj ihop`lfgij wltc‟ tcls ghtlij

rjqulrjojgt. 6; I.D.[. §§ 6>;5.93(f) & (k)(;)(lv).



;< IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Ucj sjrvlijr cfs th mlvj tcj khrrhwjr f eftj ky wclic tcj fpp`liftlhg schuè kj

ihop`jtje. <5

Ucls eftj cfs th kj f ‐rjfshgfk`j eftj.‟<:

F rjfshgfk`j eftj ls f hgj tcft ‐prjsjrvjs tcj ofxlouo khrrhwjr rlmcts ugejr

6>;5.56‟ kfsje hg sjvjrf` ol`jsthgjs, ‐jxijpt wcjg ehlgm sh whuè kj

loprfitlifk`j th pjrolt tcj khrrhwjr suddliljgt tloj th hktflg fge sukolt tcj

typj hd ehiuojgtftlhg gjjeje.‟<4

Ucj ol`jsthgjs frj2

Ucj eftj ky wclic ehiuojgts f`rjfey sukolttje fs pfrt hd tcj `hss oltlmftlhg

fpp`liftlhg wl`` kjihoj stf`j hr lgvf`le1 <=

Ucj eftj tcft ls tcj 6;>tc efy hd tcj khrrhwjr“s ej`lgqujgiy1 <3

Ucj eftj tcft ls <> efys kjdhrj f dhrji`hsurj sf`j1 <<

Ucj eftj tcft ls 93 efys kjdhrj f dhrji`hsurj sf`j1 6>>

Ld tcls eftj ls ght aghwg tcj sjrvlijr ifg usj f rjfshgfk`j jstloftj hd tcls

eftj.6>6

Ucj ihoojgtfry sfys lt ls mjgjrf``y ‐loprfitlifk`j dhr f khrrhwjr th hktflg fge

sukolt ehiuojgts lg `jss tcfg sjvjg efys.‟ 6>;

<5 6; I.D.[. §§ 6>;5.56(k)(;)(l)(K) & 6>;5.56(k)(;)(ll).

<: 6; I.D.[. §§ 6>;5. 56(k)(;)(l)(K) fge (k)(;)(ll).

<4 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(;)(ll) ’ 6.

<= 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(;)(ll) ’ 6(l).

<3 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(;)(ll) ’ 6(ll).

<< 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(;)(ll) ’ 6(lll).

6>> 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(;)(ll) ’ 6(lv).

6>6 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(;)(ll) ’ 6(l).

6>; 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(;)(ll) ’ 6.




Ucj sjrvlijr oust ‐jxjrilsj rjfshgfk`j el`lmjgij‟ lg mjttlgm tcj ehiuojgts fge

lgdhroftlhg th ihop`jtj tcj `hss oltlmftlhg fpp`liftlhg.6>9

Ucj ihoojgtfry th tcj ru`js mlvjs jxfop`js hd euj el`lmjgij, suic fs ihgtfitlgm

f khrrhwjr dhr f olsslgm jop`hyjr feerjss th vjrldy jop`hyojgt, hr icjialgm dhr

olsslgm lgdhroftlhg lg f dl`j trfgsdjrrje th tcj iurrjgt sjrvlijr ky f dhrojr

sjrvlijr.6>5

YJ[TLIJ[“Y [JVZL[JOJGUY LD UCJ F^^@LIFULHG LY [JIJLTJE @JYY UCFG 5: EF\Y

KJDH[J F YICJEZ@JE DH[JI@HYZ[J YF@J

Yjrvlijrs frj ght rjqulrje th prhvlej tcj wrlttjg fiaghw`jemjojgt ejsirlkje fkhvj dhr

fpp`liftlhgs rjijlvje djwjr tcfg 5: efys kjdhrj fgy sicjeu`je dhrji`hsurj sf`j.

Ld tcj fpp`liftlhg ls lgihop`jtj wcjg rjijlvje eurlgm tcls tloj tcj sjrvlijr ihgtlgujs th cfvj fghk`lmftlhg th ‐jxjrilsj rjfshgfk`j el`lmjgij lg hktflglgm ehiuojgts fge lgdhroftlhg th

ihop`jtj f ̀ hss oltlmftlhg fpp`liftlhg.‟6>:

6.:.= Ytjp sjvjg ’ Ucj khrrhwjr ihop`jtjs tcj `hssoltlmftlhg fpp`liftlhg

Ucj khrrhwjr oust prhvlej tcj sjrvlijr wltc f ihop`jtj `hss oltlmftlhg fpp`liftlhg lg hrejr th

kj jvfùftje dhr `hss oltlmftlhg prhmrfos. ]cl`j tcj ru`js lophsj gh ejfe l̀gj dhr ihop`jtlgm f

`hss oltlmftlhg fpp`liftlhg, tcj shhgjr tcj ̀ hss oltlmftlhg fpp`liftlhg ls ihop`jtje tcj ohrjrlmcts fge tloj tcj khrrhwjr ofy cfvj lg tcj `hss oltlmftlhg prhijss. Dhr jxfop`j, f khrrhwjr

wch sukolts f ihop`jtj `hss oltlmftlhg fpp`liftlhg kjdhrj f dhrji`hsurj sf`j ls sicjeu`je hr <>

efys hr ohrj kjdhrj f sicjeu`je dhrji`hsurj sf`j mjts f `hgmjr pjrlhe th fiijpt hr rjbjit `hss

6>9 6; I.D.[. § 6>;5.56(k)(6).

6>5 6; I.D.[. pfrt 6>;5 supp`jojgt 6, Ihoojgt 56(k)(6) ’ 5.

6>: 6; I.D.[. § 6>;5.56(k) fge Ihoojgt 56(k)(6) ’ 5.




oltlmftlhg hddjrs, fge ls f``hwje th fppjf` f ejglf` hd f `hss oltlmftlhg fpp`liftlhg.6>4

Ucjsj

sfoj rlmcts frj ght jxtjgeje th khrrhwjrs wch dl`j f ihop`jtje fpp`liftlhg ft f `ftjr eftj.

Khrrhwjrs wch sukolt f ihop`jtje fpp`liftlhg 9= efys hr `jss kjdhrj f dhrji`hsurj sf`j frj ght

jgtlt`je th cfvj tcj sjrvlijr ihop`y wltc tcj ̀ hss oltlmftlhg rjqulrjojgts ihgtflgje lg 6; I.D.[.

6>;5.56 wltc rjspjit th tcft fpp`liftlhg.6>=

]CJG LY FG F^^@LIFULHG IHO^@JUJ8

Fg fpp`liftlhg ls ihop`jtj wcjg tcj khrrhwjr mlvjs tcj sjrvlijr F@@ hd tcj lgdhroftlhg lt

rjqulrjs drho tcj khrrhwjr.6>3

Ld tcj sjrvlijr ls wfltlgm dhr lgdhroftlhg drho f tclre pfrty, suic fs f irjelt rjphrtlgm

fmjgiy, tcj fpp`liftlhg ls stl`` ihop`jtj hgij tcj khrrhwjr sukolts jvjrytclgm rjqulrje

drho tcj khrrhwjr.6><

Ucj sjrvlijr ifg jstfk`lsc lts hwg IHO^@JUJ fpp`liftlhg rjqulrjojgts.66>

6>4 6; I.[.D. 6>;5.56(j)1 6; I.D.[. § 6>;5.56(c)(6)1 6; I.D.[. § 6>;5.56(k)(9) fge Ihoojgts 56(k)(9) ’ 6 &

;.

6>= 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(m) ’ 5.

6>3 6; I.D.[. § 6>;5.56(k)(6) fge Ihoojgt 56(k)(6) ’ :1 6; I.D.[. § 6>;5.56(i)(;)(lv).

6>< 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(k)(6) ’ :.

66> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(k)(6) ’ 6.




6.:.3 Ytjp jlmct ’ Ucj sjrvlijr jvfùftjs tcj khrrhwjr“sihop`jtj tcj `hss oltlmftlhg fpp`liftlhg

JTF@ZFULHG HD IHO^@JUJ F^^@LIFULHGY [JIJLTJE OH[J UCFG 9= EF\Y KJDH[J

FG\ YICJEZ@JE DH[JI@HYZ[J YF@J F`` ihop`jtj fpp`liftlhgs tcft frj rjijlvje ohrj tcfg 9= efys kjdhrj fgy sicjeu`je dhrji`hsurj

sf`j, hr kjdhrj fgy dhrji`hsurj sf`j ls sicjeu`je,666

oust kj jvfùftje dhr f`` `hss oltlmftlhg

hptlhgs fvfl`fk`j th tcj khrrhwjr.66;

Ucls jvfùftlhg oust kj ihgeuitje ky tcj sjrvlijr wltclg 9> efys hd tcj sjrvlijr rjijlvlgm tcj

ihop`jtj ̀ hss oltlmftlhg fpp`liftlhg. 669

Chw th ihgeuit tcj jvfùftlhg ls ft tcj elsirjtlhg hd tcj sjrvlijr.665

▢ Fgy khrrhwjr wch ls ohrj tcfg 9= efys drho f dhrji`hsurj sf`j hg Bfgufry 6>, ;>65 fge dl`js f

ihop`jtj ̀ hss oltlmftlhg fpp`liftlhg kjdhrj 9= efys kjdhrj f dhrji`hsurj sf`j ls jgtlt`je th fg

jvfùftlhg hd tcj ihop`jtj ̀ hss oltlmftlhg fpp`liftlhg ugejr 6; I.D.[. 6>;5.56, fs ejsirlkje

ohrj du``y lg sjitlhg 6.: hd tcls mulej.

666 Ld gh dhrji`hsurj sf`j ls sjt ft tcj tloj tcj khrrhwjr sukolts f ihop`jtj ̀ hss oltlmftlhg fpp`liftlhg, tcj ̀ hss

oltlmftlhg fpp`liftlhg ls trjftje fs ld lt wfs rjijlvje ky tcj sjrvlijr ohrj tcfg <> efys kjdhrj fgy dhrji`hsurj sf`j,

(fge sh tcj khrrhwjr“s fpp`liftlhg ls trjftje fs hgj tcft wfs ofej ohrj tcfg 9= efys kjdhrj fgy d hrji`hsurj sf`j). 6;

I.D.[. § 6>;5.56(k)(9) fge Ihoojgt 56(k)(9) ’ 6. Ucls trjftojgt rjoflgs truj jvjg ld f dhrji`hsurj sf`j ls `ftjr

fituf``y sicjeu`je hr rj-sicjeu`je. 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(k)(9) ’ ;.

66; 6; I.D.[. § 6>;5.56(i)(6)(l). (Ucls wl`` lgiùej hg`y tchsj prhmrfos fvfl`fk`j drho tcj khrrhwjr“s `jgejr dhr wclic

tcj khrrhwjr quf`ldljs. 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(6) ’ ;).) Ucj sjrvlijr ls f`sh rjqulrje th

‐oflgtflg ph`liljs fge prhijeurjs tcft frj rjfshgfk`y ejslmgje …th jgsurj tcft tcj sjrvlijr ifg… Qp_rhpjr`y jvfùftj

f khrrhwjr wch sukolts fg fpp`liftlhg dhr f `hss oltlmftlhg dhr f`` `hss oltlmftlhg hptlhgs dhr wclic tcj khrrhwjr ofy

kj j`lmlk`j pursufgt th fgy rjqulrjojgts jstfk`lscje ky tcj hwgjr hr fsslmgjj hd tcj khrrhwjr“s ohrtmfmj `hfg. 6;

I.D.[. §§ 6>;5.93(f) & (k)(;)(v). Ucls lgiùejs jvfùftlhg prhijeurjs tcft frj `jgejr spjildli fge frj ght lophsje ky6; I.D.[. § 6>;5.56. 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 93(k)(;)(v) ’ 6.

669 6; I.D.[. § 6>;5.56(i)(6)(l).

665 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(6) ’ 6.




JTF@ZFULHG HD IHO^@JUJ F^^@LIFULHGY [JIJLTJE 9= EF\Y H[ @JYY KJDH[J

FG\ YICJEZ@JE DH[JI@HYZ[J YF@J

Ld tcj khrrhwjr sukolts f ihop`jtj ̀ hss oltlmftlhg fpp`liftlhg 9= efys hr @JYY kjdhrj f

dhrji`hsurj sf`j, tcj sjrvlijr ehjs GHU cfvj th dh``hw tcj ̀ hss oltlmftlhg rjqulrjojgts lg

6>;5.56 wltc rjspjit th tcft fpp`liftlhg.

66:

Ucj lgvjsthrs hr hwgjr hr fsslmgjj hd tcj ohrtmfmj ofy cfvj rjqulrjojgts dhr ejf`lgm wltc `hss

oltlmftlhg fpp`liftlhgs tcft frj rjijlvje 9= efys hr `jss kjdhrj f dhrji`hsurj sf`j. Ld tcls ls tcj

ifsj tcj sjrvlijr oust oflgtflg ph`liljs fge prhijeurjs tcft frj rjfshgfk`y ejslmgje th fklej

ky suic rjqulrjojgts.664

U[FGYDJ[ HD YJ[TLILGM ]CL@J IHO^@JUJ @HYY OLULMFULHG F^^@LIFULHG LY

KJLGM JTF@ZFUJE

Ld sjrvlilgm ls trfgsdjrrje wcl`j tcj khrrhwjr“s ihop`jtj `hss oltlmftlhg fpp`liftlhg ls kjlgmjvfùftje, tcj trfgsdjrjj sjrvlijr oust mjt f`` tcj ehiuojgts fge lgdhroftlhg tcj khrrhwjr mfvj

th tcj hè sjrvlijr fs pfrt hd tcj `hss oltlmftlhg prhijss, fge, ld tcj ehiuojgts ihgstltutj f

ihop`jtj ̀ hss oltlmftlhg fpp`liftlhg dhr tcj gjw sjrvlijr, trjft tcj ehiuojgts fge lgdhroftlhg

fs ld tcjy wjrj sukolttje th tcj gjw sjrvlijr hg tcj eftj tcft tcjy wjrj sukolttje th tcj hè

sjrvlijr.66=

Ucj trfgsdjrjj sjrvlijr ‐schuè ihgtlguj tcj jvfùftlhg th tcj jxtjgt prfitlifk`j.‟663

66: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(m) ’ 5.

664 6; I.D.[. §§ 6>;5.93(f) & (k)(;)(v)( ‐F sjrvlijr scf`` oflgtflg ph`liljs fge prhijeurjs tcft frj

rjfshgfk`y ejslmgje th… ^rhpjr`y jvfùftj f khrrhwjr wch sukolts fg fpp`liftlhg dhr f `hss oltlmftlhg

hptlhg dhr f`` `hss oltlmftlhg hptlhgs dhr wclic tcj khrrhwjr ofy kj j`lmlk`j pursufgt th fgy rjqulrjojgts

jstfk`lscje ky tcj hwgjr hr fsslmgjj hd tcj khrrhwjr“s ohrtmfmj `hfg fge, wcjrj fpp`lifk`j, lg

fiihrefgij wltc tcj rjqulrjojgts hd § 6>;5.56.‟) fge 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(m) ’

5 (‐Yuic jvfùftlhg ofy kj sukbjit th rjqulrjojgts fpp`lifk`j th f rjvljw hd f `hss oltlmftlhg fpp`liftlhg

sukolttje ky f khrrhwjr 9= efys hr `jss kjdhrj f dhrji`hsurj sf`j.‟).

66= 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(l) ’ ;.

663 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(l) ’ ;.

http://www.bankersonline.com/regs/12-1024/12-1024-041.html






DFILF@@\ IHO^@JUJ F^^@LIFULHGY H[ YZ^^@JOJGULGM F IHO^@JUJ

F^^@LIFULHG

Ucj fiaghw`jemjojgt `jttjr drho tcj sjrvlijr oust `lst f`` tcj olsslgm lgdhroftlhg rjqulrje th

ihop`jtj tcj khrrhwjr“s `hss oltlmftlhg fpp l̀iftlhg, ld fgy. Chwjvjr, f sjrvlijr ofy `ftjr

ejtjrolgj feeltlhgf` lgdhroftlhg hr ihrrjitje ehiuojgts frj gjijssfry th ihop`jtj f ̀ hssoltlmftlhg fpp`liftlhg. Ucj dfilf``y ihop`jtj prhvlslhg hd tcj rjmu`ftlhg jxp`flgs wcft tcj

sjrvlijr oust eh, fge wcft prhtjitlhgs frj mlvjg th f khrrhwjr lg suic f sltuftlhg.66<

Ld f khrrhwjr cfs sukolttje f`` tcj lgdhroftlhg rjqujstje lg tcj fiaghw`jemjojgt `jttjr (ld

fgy), hr tcj fiaghw`jemojgt ̀ jttjr ele ght rjqujst fgy feeltlhgf` lgdhroftlhg, kut tcj sjrvlijr

`ftjr ejtjrolgjs feeltlhgf` lgdhroftlhg hr ihrrjitje ehiuojgtftlhg ls rjqulrje th ihop`jtj tcj

fpp`liftlhg, tcj fpp`liftlhg oust kj ihgslejrje dfilf``y ihop`jtj.

Ucj sjrvlijr oust prhopt`y rjqujst tcj olsslgm lgdhroftlhg hr ihrrjitje ehiuojgts. Ucj

sjrvlijr oust trjft tcj fpp`liftlhg fs tchumc lt wfs ihop`jtj dhr tcj purphsjs hd tcj dhrji`hsurj

prhtjitlhgs lg 6>;5.56(d)(;) fge (m) (sjj Dhrji`hsurj ̂ rhclkltlhgs lg Yjitlhg ; hd tcls mulej)

ugtl` tcj khrrhwjr ls mlvjg f rjfshgfk`j hpphrtuglty th ihop`jtj tcj fpp`liftlhg.

Ld f khrrhwjr ihop`jtjs tcj fpp`liftlhg eurlgm tcls pjrlhe2

Ucj dhrji`hsurj prhtjitlhgs wl`` ihgtlguj1

Ucj fpp`liftlhg oust kj ihgslejrje ihop`jtj fs hd tcj eftj lt wfs dfilf``y ihop`jtj dhr

tcj dh``hwlgm purphsjs2

Ejtjrolglgm ld f khrrhwjr ofy fppjf` tcj ejtjrolgftlhg th ejgy f khrrhwjr dhr fgy

trlf` hr pjrofgjgt ̀ hfg oheldliftlhg prhmrfo fvfl`fk`j th tcj khrrhwjr pursufgt th

6>;5.56(c)1

Ejtjrolglgm tcj olglouo fohugt hd tloj f khrrhwjr cfs th fiijpt hr rjbjit fg hddjr

hd f `hss oltlmftlhg hptlhg pursufgt th 6>;5.56(j).

Ucj 9> efy jvfùftlhg tloj`lgj (rjqulrje ky 6>;5.56(i)) wl`` ght kjmlg ugtl` tcj eftj tcj

fpp`liftlhg ls fituf``y ihop`jtj.

66< 6; I.D.[. § 6>;5.56(i)(;)(lv).




[JTLJ] HD LGIHO^@JUJ F^^@LIFULHGY

Jxijpt lg tcj twh sltuftlhgs lejgtldlje kj`hw, tcj sjrvlijr ifgght jvfej lts hk`lmftlhgs th

jvfùftj f ihop`jtj `hss oltlmftlhg fpp`liftlhg ky ‐hddjrlgm f ̀ hss oltlmftlhg hptlhg kfsje uphg

fg jvfùftlhg hd fgy lgdhroftlhg prhvleje ky f khrrhwjr lg ihggjitlhg wltc fg lgihop`jtj `hssoltlmftlhg fpp`liftlhg.‟

6;>

Lg tcj dh``hwlgm twh sijgfrlhs f sjrvlijr ifg hddjr f `hss oltlmftlhg hptlhg kfsje hg fg

jvfùftlhg hd fg lgihop`jtj fpp`liftlhg2

6. @loltje Ilriuostfgij dhr jvfùftlgm fg lgihop`jtj fpp`liftlhg 6 ’ fpp`liftlhg lgihop`jtj

dhr f slmgldlifgt pjrlhe hd tloj2

Ld f sjrvlijr cfs du`dl``je lts euj el`lmjgij hk`lmftlhgs th cj`p tcj khrrhwjr ihop`jtj tcj

`hss oltlmftlhg fpp`liftlhg, fge tcj fpp`liftlhg rjoflgs lgihop`jtj dhr f ‐slmgldlifgt

pjrlhe hd tloj ugejr tcj ilriuostfgijs,‟ tcj sjrvlijr ls pjrolttje th jvfùftj tcj

lgihop`jtj fpp`liftlhg fge hddjr f `hss oltlmftlhg p`fg th tcj khrrhwjr.6;6

]cft ls f ‐slmgldlifgt pjrlhe hd tloj‟ ofy vfry, tfalgm lgth ihgslejrftlhg tclgms

suic fs tcj ‐tlolgm hd tcj dhrji`hsurj prhijss.‟6;;

Jxfop`j2 fg fpp`liftlhg tcft rjoflgs lgihop`jtj dhr 6: efys whuè kj ohrj

slmgldlifgt ld tcj khrrhwjr wfs :> efys kjdhrj f dhrji`hsurj sf`j, fs hpphsje th

`jss tcfg 6;> efys ej`lgqujgt hg tcj ohrtmfmj.

;. @loltje Ilriuostfgij dhr jvfùftlgm fg lgihop`jtj fpp`liftlhg ; ’ Ychrt-tjro cj`p

F sjrvlijr ls pjrolttje th ‐hddjr f schrt-tjro pfyojgt dhrkjfrfgij prhmrfo th f

khrrhwjr kfsje uphg fg jvfùftlhg hd fg lgihop`jtj `hss oltlmftlhg fpp`liftlhg.‟6;9

6;> 6; I.D.[. § 6>;5.56(i)(;).

6;6 6; I.D.[. § 6>;5.56(i)(;)(ll).

6;; 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(;)(ll) ’ 6.




F schrt-tjro pfyojgt dhrkjfrfgij prhmrfo ls ‐f ̀ hss oltlmftlhg hptlhg dhr

wclic f sjrvlijr f``hws f khrrhwjr th dhrmh ofalgm ijrtflg pfyojgts hr phrtlhgs

hd pfyojgts dhr f pjrlhe hd tloj‟ ’ ght `hgmjr tcfg 4 ohgtcs.6;5

F rjvljw hd tcj khrrhwjr“s lgihop`jtj `hss oltlmftlhg fpp`liftlhg ls wltclg tcj sjrvlijr“s

elsirjtlhg, fge ls ght rjqulrje ky 6; I.D.[. 6>;5.56 (f`tchumc suic f rjvljw ofy kj rjqulrje ky

tcj hwgjr hr fsslmgjj hd f ohrtmfmj `hfg).6;:

6.:.< Ytjp glgj ’ Ucj sjrvlijr hddjrs hr ejgljs f `hssoltlmftlhg hptlhg th tcj khrrhwjr

]ltclg 9> efys hd rjijlvlgm f ihop`jtj fpp`liftlhg tcj sjrvlijr oust mlvj tcj khrrhwjr f wrlttjg

ghtlij.6;4

Ucj ihgtjgt hd tcls ghtlij ejpjges hg wcjtcjr f `hss oltlmftlhg hddjr ls ofej hr ght.

LD FG HDDJ[ LY OFEJ

Ld fg hddjr ls ofej tcj wrlttjg ghtlij oust2

Yfy wcft ̀ hss oltlmftlhg hddjrs tcj sjrvlijr ls ofalgm. 6;=

Ghtldy tcj khrrhwjr hd ‐tcj fohugt hd tloj tcj khrrhwjr cfs, th fiijpt hr rjbjit tcj hddjr

hd f `hss oltlmftlhg prhmrfo fs prhvleje dhr lg Q6; I.D.[. 6>;5.56(j)_‟.6;3

Fg hddjr tcft lgvh`vjs ghg-choj rjtjgtlhg, suic fs f schrt sf`j, ifg kj

ihgeltlhgje hg rjijlpt hd durtcjr lgdhroftlhg ‐ght lg tcj khrrhwjr“s phssjsslhg

fge gjijssfry th jstfk`lsc tcj pfrfojtjrs hd f sjrvlijr“s hddjr.‟6;<

6;9 6; I.D.[. § 6>;5.56(i)(;)(lll).

6;5 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(;)(lll) ’ 6.

6;: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(;)(l) ’ ;.

6;4 6; I.D.[. § 6>;5.56(i)(6)(ll).

6;= 6; I.D.[. § 6>;5.56(i)(6)(ll).

6;3 6; I.D.[. § 6>;5.56(i)(6)(ll).




Jxfop`j2 tcj sjrvlijr olmct hddjr tcj khrrhwjr tcj icfgij th jgtjr lgth f `lstlgm

dhr f schrt sf`j, kut stftj tcft ‐tcj spjildlis hd fg fiijptfk`j schrt sf`j

trfgsfitlhg ofy kj sukbjit th durtcjr lgdhroftlhg hktflgje drho fg fpprflsf` hr

tlt`j sjfric.‟ 69>

LD UCJ F^^@LIFGU LY EJGLJE DH[ FG\ FTFL@FK@J @HFG OHELDLIFULHG ^[HM[FO

Ld tcj fpp`lifgt ls ejglje dhr fgy fvfl`fk`j ̀ hfg oheldliftlhg prhmrfo tcj wrlttjg ghtlij oust

ojjt tcj dh``hwlgm rjqulrjojgts2 696

Ucj ghtlij oust mlvj spjildli rjfshgs dhr ejglf` ld tcj khrrhwjr“s fpp`liftlhg ls

ejglje dhr fgy `hfg oheldliftlhg prhmrfo (trlf` hr pjrofgjgt).69;

Ld tcj khrrhwjr ls rjbjitje kjifusj hd lgvjsthr hr ohrtmfmj hwgjr rjqulrjojgts, tcj

sjrvlijr cfs th lejgtldy tcj spjildli hwgjr, fsslmgjj, lgvjsthr hr mufrfgthr wchsj

ru`js ofgeftje tcj rjbjitlhg, fge spjildlif``y lejgtldy tcj rjqulrjojgt tcft ls tcj

kfsls hd tcj ejglf`.

Lt ls ght suddliljgt dhr tcj sjrvlijr th sfy tcft ejglf` hd tcj oheldliftlhg ls kfsje

hg ‐fg lgvjsthr rjqulrjojgt.‟699

Ld f khrrhwjr ls hddjrje hgj `hfg oheldliftlhg hptlhg kut ejglje htcjrs kjifusj tcj

hwgjr hr fsslmgjj cfs f ru`j tcft ld tcj khrrhwjr quf`ldljs dhr hgj oheldliftlhg tcj

khrrhwjr ifgght quf`ldy dhr htcjr hptlhgs rfgaje kj`hw tcj hddjrje hptlhg, tcj

sjrvlijr slop`y cfs th tj`` tcj khrrhwjr tcft tcj khrrhwjr wfs ejglje htcjr hptlhgs

kjifusj ‐tcj lgvjsthr“s rjqulrjojgts lgiùej tcj usj hd suic f rfgalgm fge tcft fg

6;< 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(6) ’ 9.

69> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(6) ’ 9.

696 ‐F sjrvlijr“s ejtjrolgftlhg ght th hddjr f khrrhwjr f `hfg oheldliftlhg fvfl`fk`j th tcj khrrhwjr

ihgstltutjs f ejglf` hd tcj khrrhwjr dhr tcft `hfg oheldliftlhg hptlhg,‟ jvjg ld htcjr hddjrs frj ofej th tcj khrrhwjr.‟ 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(e) ’ 9.

69; 6; I.D.[. § 6>;5.56(e).

699 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(e) ’ 6.




hddjr hd f `hfg oheldliftlhg hptlhg gjijssfrl`y rjsu`ts lg f ejglf` dhr fgy htcjr `hfg

oheldliftlhg hptlhgs kj`hw tcj hptlhg dhr wclic tcj khrrhwjr ls j`lmlk`j lg tcj

rfgalgms.‟ 695

‐Ld f trlf` hr pjrofgjgt ̀ hfg oheldliftlhg ls ejglje kjifusj hd f gjt prjsjgt vfùj

ifìu`ftlhg,‟ tcj sjrvlijr cfs th prhvlej tcj khrrhwjr wltc tcj lgputs usje lg tcj gjt

prjsjgt vfùj ifìu`ftlhg. 69:

Ld tcj sjrvlijr cfs vfrlhus irltjrlf dhr jvfùftlgm f khrrhwjr dhr f `hfg oheldliftlhg,

fge tcj khrrhwjr ls rjbjitje kfsje hg hgj irltjrlhg, tcj sjrvlijr ehjs ght cfvj th

ejtjrolgj wcjtcjr tcj khrrhwjr whuè cfvj kjjg rjbjitje kfsje hg fgy hd tcj htcjr

irltjrlf. ]cjg tcj sjrvlijr tj``s tcj khrrhwjr wcy tcj khrrhwjr wfs rjbjitje dhr `hss

oltlmftlhg, lt hg`y cfs th mlvj tcj khrrhwjr tcj ‐rjfshg hr rjfshgs wltc rjspjit th

w clic tcj khrrhwjr wfs fituf``y jvfùftje fge rjbjitje,‟ fge tj`` tcj khrrhwjr tcft

tcj khrrhwjr wfs ght jvfùftje hg tcj htcjr irltjrlf dhr f `hfg oheldliftlhg.694

Ucj sjrvlijr cfs th ghtldy tcj khrrhwjr hd fgy rlmcts th fppjf` tcj ejilslhg,

rjqulrjojgts dhr fppjf`lgm, fge tcj tloj tcj khrrhwjr cfs dhr fppjf`lgm. 69=

6.:.6> Ytjp tjg ’Khrrhwjr“s fiijptfgij hr rjbjitlhg hd fghddjr ofej ky tcj sjrvlijr

Hgij fg hddjr ls ofej tcj khrrhwjr cfs th fiijpt hr rjbjit tcj sjrvlijr“s ̀ hss oltlmftlhg hddjr.

Ld tcj sjrvlijr ejilejs th hddjr f `hss oltlmftlhg hptlhg th tcj khrrhwjr, tcj sjrvlijr ofy

prjsirlkj f ejfe`lgj ky wclic tcj khrrhwjr oust fiijpt hr rjbjit tcj hddjr. Ucj olglouo

`jgmtc hd tloj f sjrvlijr ofy mlvj tcj khrrhwjr th fiijpt hr rjbjit tcj sjrvlijr“s hddjr vfrljs

695 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(e) ’ 6.

69: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(e) ’ ;.

694 6; I.D.[. § 6>;5.56(e) fge Ihoojgt 56(e) ’ 5.

69= 6; I.D.[. § 6>;5.56(e)1 6; I.D.[. § 6>;5.56(i)(6)(ll).




ejpjgelgm hg tcj guokjr hd efys kjtwjjg tcj eftj tcj sjrvlijr rjijlvjs f ihop`jtj ̀ hss

oltlmftlhg fpp`liftlhg drho tcj khrrhwjr fge tcj eftj hd f dhrji`hsurj sf`j.

Ld gh dhrji`hsurj sf`j ls sjt ft tcj tloj tcj khrrhwjr sukolts f ihop`jtj `hss

oltlmftlhg fpp`liftlhg, tcj `hss oltlmftlhg fpp`liftlhg ls trjftje fs ld lt wfs rjijlvje

ky tcj sjrvlijr ohrj tcfg <> efys kjdhrj fgy dhrji`hsurj sf`j.693

Ucls trjftojgt

rjoflgs truj jvjg ld f dhrji`hsurj sf`j ls `ftjr fituf``y sicjeu`je hr rj-sicjeu`je. 69<

ULOLGM HD KH[[H]J[“Y FIIJÛFGIJ/[JBJIULHG

Ld tcj ihop`jtje `hss oltlmftlhg fpp`liftlhg wfs rjijlvje ky tcj sjrvlijr <> efys hr ohrj kjdhrj

tcj dhrji`hsurj sf`j hr kjdhrj tcj eftj dhr f dhrji`hsurj sf`j ls sjt, tcj sjrvlijr cfs th mlvj tcj

khrrhwjr ft `jfst 65 efys fdtjr tcj sjrvlijr prhvlejs tcj hddjr th fiijpt hr rjbjit tcj hddjr.65>

Ld tcj ihop`jtje ̀ hss oltlmftlhg fpp`liftlhg wfs rjijlvje ky tcj sjrvlijr eurlgm tcj pjrlhe tcft

ls `jss tcfg <> fge ohrj tcfg 9= efys kjdhrj tcj dhrji`hsurj sf`j ’ tcj sjrvlijr cfs th mlvj tcj

khrrhwjr ft `jfst = efys fdtjr tcj sjrvlijr prhvlejs tcj hddjr th fiijpt hr rjbjit tcj hddjr.656

Ucj ru`j ehjs ght lgiùej fg jxp`lilt ejdlgltlhg hd ‐prhvlejs.‟

JSUJGYLHG UH FIIJÛ H[ [JBJIU @HYY OLULMFULHGY ^@FGY ZGEJ[ IJ[UFLG

IL[IZOYUFGIJY

Ld tcj ihop`jtje `hss oltlmftlhg fpp`liftlhg wfs rjijlvje ky tcj sjrvlijr <> efys hr ohrj kjdhrj

tcj dhrji`hsurj sf`j, hr kjdhrj tcj eftj dhr f dhrji`hsurj sf`j ls sjt, tcj khrrhwjr wfs ejglje dhr f

trlf` hr pjrofgjgt ̀ hfg oheldliftlhg prhmrfo, fge tcj khrrhwjr fppjf`s tcj ejglf` wltclg 65

efys, tcj ejfe`lgj dhr tcj khrrhwjr th fiijpt fgy hrlmlgf` hr gjw`y hddjrje ̀ hss oltlmftlhg

693 6; I.D.[. § 6>;5.56(k)(9) fge Ihoojgt 56(k)(9) ’ 6.

69< 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(k)(9) ’ ;.

65> 6; I.D.[. § 6>;5.56(j)(6)1 6; I.D.[. § 6>;5.56(k)(9) fge Ihoojgts 56(k)(9) ’ 6&;.

656 6; I.D.[. § 6>;5.56(j)(6).




p`fg(s) ls jxtjgeje th 65 efys fdtjr tcj sjrvlijr mlvjs tcj khrrhwjr ghtlij hd tcj fppjf`

ejilslhg.65;

IHGYJVZJGIJY HD GHU [JY^HGELGM UH @HYY OLULMFULHG HDDJ[

Ld tcj khrrhwjr ehjs ght rjsphge ky tcj ejfe`lgj dhr fiijptfgij mlvjg ky tcj sjrvlijr, f sjrvlijr

ifg trjft tcls fs f rjbjitlhg hd tcj hddjr, jxijpt lg twh ilriuostfgijs.659

Jxijptlhg 6- Jddjit hd pfyojgt ky khrrhwjr2 F sjrvlijr ifgght trjft tcj khrrhwjr“s sl`jgij fs

rjbjitlhg hd f trlf` `hfg oltlmftlhg hddjr ld tcj khrrhwjr ‐sukolts f pfyojgt tcft whuè kj hwje‟

ugejr tcj hddjrje ̀ hfg oltlmftlhg p`fg wltclg tcj tloj tcj khrrhwjr cfe th fiijpt tcj ̀ hfg hddjr.

655

Ld tcj khrrhwjr ehjs sukolt f pfyojgt ugejr tcj hddjrje p`fg lg tcj tloj rjqulrje tcj

sjrvlijr oust mlvj tcj khrrhwjr ‐f rjfshgfk`j pjrlhe hd tloj th du`dl`` fgy rjoflglgm

rjqulrjojgts hd tcj sjrvlijr dhr fiijptfgij hd tcj trlf` ̀ hfg oheldliftlhg p`fg kjyhge‟

tcj tlojs elitftje ky tcj rjmu`ftlhg. 65:

Jxijptlhg ; ’ Jddjit hd ijrtflg fppjf`s2 Ld tcj ihop`jtje ̀ hss oltlmftlhg fpp`liftlhg wfs rjijlvje

ky tcj sjrvlijr <> efys hr ohrj kjdhrj tcj dhrji`hsurj sf`j, hr kjdhrj tcj eftj dhr f dhrji`hsurj

sf`j ls sjt, tcj khrrhwjr wfs ejglje dhr f trlf` hr pjrofgjgt `hfg oheldliftlhg prhmrfo, fge tcj

khrrhwjr fppjf`s tcj ejglf` wltclg 65 efys, tcj ejfe`lgj dhr tcj khrrhwjr th fiijpt fgy hrlmlgf̀

hr gjw`y hddjrje ̀ hss oltlmftlhg p`fg(s) ls jxtjgeje th 65 efys fdtjr tcj sjrvlijr mlvjs tcj

khrrhwjr ghtlij hd tcj fppjf` ejilslhg.654

65; 6; I.D.[. § 6>;5.56(j)(;)(lll)1 6; I.D.[. § 6>;5.56(i)(6)(ll)1 6; I.D.[. § 6>;5.56(c)(5).

659 6; I.D.[. § 6>;5.56(j)(;)(l).

655 6; I.D.[. § 6>;5.56(j)(;)(ll).

65: 6; I.D.[. § 6>;5.56(j)(;)(ll).

654 6; I.D.[. § 6>;5.56(j)(;)(lll)1 6; I.D.[. § 6>;5.56(i)(6)(ll)1 6; I.D.[. § 6>;5.56(c)(5).




6.:.66 Khrrhwjr“s fppjf` rlmcts ld `hss oltlmftlhg ls ejglje

Ld tcj sjrvlijr cfs ejglje f khrrhwjr f `hfg oheldliftlhg, tcj khrrhwjr ofy kj fk`j th fppjf`

tcj sjrvlijr“s ejglf`. Ucj rjmu`ftlhg ehjs ght prhvlej fg fppjf` rlmct dhr fgy htcjr `hss

oltlmftlhg ejglf` (j.m., f schrt sf`j).

]CH IFG F^^JF@

F khrrhwjr wchsj ihop`jtj `hss oltlmftlhg fpp`liftlhg rjsu t̀s lg f ejglf` dhr fgy `hfg

oheldliftlhg cfs f rlmct th fppjf` tcj ejglf` ld tcj sjrvlijr rjijlvje tcj ihop`jtj ̀ hss oltlmftlhg

fpp`liftlhg <> efys hr ohrj kjdhrj f dhrji`hsurj sf`j hr kjdhrj tcj eftj dhr f dhrji`hsurj sf`j ls

sjt.65=

Ld tcj khrrhwjr ls ejglje f `hss oltlmftlhg hptlhg htcjr tcfg f `hfg oheldliftlhg, suic fs f schrt

sf`j, tcj khrrhwjr ls ght jgtlt`je th fg fppjf`.

ULOLGM HD UCJ F^^JF@

Ucj fppjf` oust kj tfajg ‐wltclg 65 efys fdtjr tcj sjrvlijr prhvlejs‟ tcj wrlttjg ghtlij th tcj

khrrhwjr tj`̀ lgm tcj khrrhwjr tcft tcj `hss oltlmftlhg fpp l̀iftlhg cfs kjjg ejglje.653

Ucj ru`j

ehjs ght lgiùej fg jxp`lilt ejdlgltlhg hd ‐prhvlejs.‟

]CH IHGEZIUY UCJ F^^JF@

Ucj fppjf` oust kj ihgeuitje ky pjrshggj` wch wjrj ght rjsphgslk`j dhr jvfùftlgm tcj `hss

oltlmftlhg fpp`liftlhg lg tcj dlrst p`fij. 65<

F supjrvlshr hd tcj pjrshggj` wch jvfùftje tcj fpp`liftlhg ofy pjrdhro tcj fppjf̀ jvfùftlhg

sh ̀ hgm fs tcj supjrvlshr wfs ght ‐elrjit`y lgvh`vje lg tcj lgltlf` jvfùftlhg hd tcj khrrhwjr“s

ihop`jtj ̀ hss oltlmftlhg fpp`liftlhg.‟6:>

65= 6; I.D.[. § 6>;5.56(c)(6)1 6; I.D.[. § 6>;5.56(k)(9) fge Ihoojgts 56(k)(9) ’ 6&;.

653 6; I.D.[. § 6>;5.56(c)(;).

65< 6; I.D.[. § 6>;5.56(c)(9).




GHULDLIFULHG ]CJG F^^JF@ LY DLGLYCJE

]ltclg 9> efys hd tcj khrrhwjr ofalgm tcj fppjf` tcj sjrvlijr cfs th ghtldy tcj khrrhwjr lg

wrltlgm wcjtcjr lt wl`` hddjr f `hss oltlmftlhg hptlhg hr ght.6:6

Ld fg hddjr ls ofej tcj sjrvlijr cfs th tj`` tcj khrrhwjr chw `hgm tcj khrrhwjr cfs thfiijpt hr rjbjit tcj hddjr hr prlhr hddjrs.

6:;

Ucj sjrvlijr cfs th mlvj tcj khrrhwjr ft `jfst 65 efys th fiijpt hr rjbjit fgy

hddjr.6:9

Ucj sjrvlijr“s ejilslhg hg fppjf` ls ght fppjf`fk`j fgy durtcjr. 6:5

6.4 Hddjrs hd `hss oltlmftlhg wcjrj tcjkhrrhwjr cfs ght fpp`lje dhr `hssoltlmftlhg hr wcjrj tcj khrrhwjr cfssukolttje fg lgihop`jtj `hss oltlmftlhgfpp`liftlhg kut tcj hddjr ls ght kfsje hgtcls lgihop`jtj fpp`liftlhg

6:> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(c)(9) ’ 6.

6:6 6; I.D.[. § 6>;5.56(c)(5).

6:; 6; I.D.[. § 6>;5.56(c)(5).

6:9 6; I.D.[. § 6>;5.56(c)(5).

6:5 6; I.D.[. § 6>;5.56(c)(5).




F sjrvlijr ls drjj th hddjr f `hss oltlmftlhg hptlhg th f khrrhwjr wch cfs ght fpp`lje dhr `hss

oltlmftlhg hr wch cfs fpp`lje dhr `hss oltlmftlhg kut cfs fg lgihop`jtj fpp`liftlhg, wcjrj tcj

hddjr ls ght kfsje hg wcft ls lg tcj lgihop`jtj fpp`liftlhg.6::

Fg jxfop`j hd tcls olmct kj f `hss oltlmftlhg prhmrfo hddjrje th f`` khrrhwjrs wch

frj f ijrtflg guokjr hd efys ej`lgqujgt. 6:4

Ld f prhmrfo `laj tcls ls hddjrje, tcj sjrvlijr ehjs ght gjje th ihop`y wltc tcj `hss oltlmftlhg

ru`js lg 6>;5.56 wltc rjspjit th tcft prhmrfo hddjr. 6:=

6.= Ucj sjrvlijr“s hk`lmftlhg th ihop`y wltc

tcj `hss oltlmftlhg ru`js ld tcj khrrhwjrcfs sjgt f ijfsj ihoougliftlhg wrltlgmth tcj sjrvlijr

Jvjg ld f sjrvlijr ls f ejkt ih``jithr fge tcj khrrhwjr cfs sjgt f ijfsj ihoougliftlhg

lgstruitlhg lg wrltlgm ugejr tcj DEI^F, tcj sjrvlijr oust ihop`y wltc tcj ̀ hss oltlmftlhg ru`js

lg 6>;5.56 ug`jss tcj khrrhwjr spjildlif``y wltcerfws tcj khrrhwjr“s ̀ hss oltlmftlhg

fpp`liftlhg.6:3

6:: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(;)(l) ’ 6.

6:4 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(;)(l) ’ 6.

6:= 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(;)(l) ’ 6.

6:3 ID^K ku``jtlg ;>69-6; ft 4, fvfl`fk`j ft cttp2//dl`js.ihgsuojrdlgfgij.mhv/d/;>696>XidpkXohrtmfmj-











6.3 @lfkl`lty dhr dflùrj th ihop`y wltc 6;I.D.[. 6>;5.56

Khrrhwjrs cfvj f prlvftj rlmct hd fitlhg th jgdhrij tcj `hss oltlmftlhg ru`js lg 6; I.D.[. 6>;5.56

ugejr tcj [jf` Jstftj Yjtt`jojgt ̂ rhijeurjs Fit, 6; Z.Y.I. ;4>:(d), wclic prhvlejs dhr

efofmjs, ihsts fge ftthrgjys djjs.




;. Dhrji`hsurj prhclkltlhgs^`jfsj rjdjrjgij sjitlhg 6.9 hd tcls mulej rjmfrelgm lejgtldylgm ajy eftjs dhr `hss oltlmftlhg fge

dhrji`hsurj.

;.6 Lgtrheuitlhg

;.6.6 Mjgjrf`

Lg mjgjrf`, sjrvlijrs oust ‐oflgtflg ph`liljs fge prhijeurjs tcft frj rjfshgfk`y ejslmgje …th

jgsurj tcft tcj sjrvlijr ifg2…(v) sukolt ehiuojgts hr dl`lgms rjqulrje dhr f dhrji`hsurj prhijss,

lgiùelgm ehiuojgts hr dl`lgms rjqulrje ky f ihurt hd ihopjtjgt burlselitlhg, tcft rjd`jit

fiiurftj fge iurrjgt lgdhroftlhg fge tcft ihop`y wltc fpp`lifk`j `fw.‟6:<

Ucj Djejrf` rjmu`ftlhgs elsiussje cjrj frj ojfgt th kj olglouo rjqulrjojgts dhr sjrvlijrs,

fge stftjs ofy fehpt rjmu`ftlhgs tcft hddjr mrjftjr ihgsuojr prhtjitlhg.64> Lgelvleuf` ohrtmfmj

`jgejrs fge hwgjrs frj f`sh drjj th fehpt feeltlhgf` rjqulrjojgts dhr sjrvlijrs.

Yof`` sjrvlijrs eh ght cfvj th ihop`y wltc tcj `hss oltlmftlhg ru`js, jxijpt tcft sof`` sjrvlijrs

oust ihop`y wltc tcj rjqulrjojgts lg ;5 I.D.[. 6>;5.56(d)(6)(prhclkltlhg hg dhrji`hsurj

6:< 6; I.D.[. §§ 6>;5.93(f) & (k)(6)(v).

64> Ihgsuojr Dlgfgilf` ̂ rhtjitlhg Kurjfu, ;>69 [jf` Jstftj Yjtt`jojgt ̂ rhijeurjs Fit ([jmu`ftlhg S)

fge Urutc lg @jgelgm Fit ([jmu`ftlhg R) Ohrtmfmj Yjrvlilgm Dlgf` [u`js, Yof`` Jgtlty Ihop`lfgij Mulejft < (Bugj =, ;>69).




rjdjrrf`, lgiùelgm tcj 6;> -efy `lolt)646

fge ifgght ‐ofaj tcj dlrst ghtlij hr dl`lgm rjqulrje ky

fpp`lifk`j `fw dhr fgy buelilf` hr ghg-buelilf` dhrji`hsurj prhijss fge scf`` ght ohvj dhr

dhrji`hsurj buemojgt hr hrejr hd sf`j hr ihgeuit f dhrji`hsurj sf`j ld f khrrhwjr ls pjrdhrolgm

pursufgt th tcj tjros hd fg fmrjjojgt hg f `hss oltlmftlhg hptlhg.‟64;

;.6.; ]cft ehjs lt ojfg th ‐dl`j‟ f dhrji`hsurj

Lg tcls mulej tcj whre ‐dl`j‟ hr ‐dl`je‟ ls usje th rjprjsjgt tcj dh``hwlgm ru`js rjmfrelgm lgltlftlhg

hd tcj dhrji`hsurj prhijss.

F sjrvlijr ifgght ofaj ‐tcj dlrst ghtlij hr dl`lgm rjqulrje ky fpp`lifk`j `fw dhr fgy buelilf` hr

ghg- buelilf` dhrji`hsurj prhijss‟ ugtl` tcj khrrhwjr ls ohrj tcfg 6;> efys ej l̀gqujgt. F

sjrvlijr f`sh ifgght ofaj tcft dlrst ghtlij hr dl`lgm ld tcj khrrhwjr cfs dl`je f ihop`jtj `hss

oltlmftlhg fpp`liftlhg, ugtl` tcj sjrvlijr cfs dlgf``y ejglje tcj fpp`liftlhg (lgiùelgm fgyfppjf`s, ld fpp`lifk`j)1 tcj khrrhwjr cfs rjbjitje f`` ̀ hss oltlmftlhgs tcj sjrvlijr hddjrje1 hr tcj

khrrhwjr cfs dfl`je th pjrdhro ugejr fg fmrjjojgt hg f `hss oltlmftlhg hptlhg.

‐]cjtcjr f ehiuojgt ls ihgslejrje tcj dlrst ghtlij hr dl`lgm ls ejtjrolgje hg tcj kfsls hd

dhrji`hsurj prhijeurjs ugejr tcj fpp`lifk`j Ytftj `fw.‟649

Lg f stftj wcjrj dhrji`hsurj ls lgltlftje ky ihurt prhijss, tcls ls tcj dlrst ehiuojgt

dl`je lg ihurt hr wltc fghtcjr buelilf` khey. 645

Lg f stftj wcjrj dhrji`hsurj ehjs ght rjqulrj f ihurt fitlhg, tcls whuè kj tcj

‐jfr`ljst ehiuojgt rjqulrje th kj rjihreje hr puk`lscje th lgltlftj tcj dhrji`hsurj

prhijss.‟64:

646 6; I.D.[. § 6>;5.56(b)1 6; I.D.[. § 6>;5.56(d)(6)1 6; I.D.[. 6>;5.:(i) fge Ihoojgt :(i)(6)-6.

64; 6; I.D.[. § 6>;5.56(b)1 Ohrtmfmj Yjrvlilgm [u`js2 Ihvjrfmj, fvfl`fk`j ft 0

cttp2//dl`js.ihgsuojrdlgfgij.mhv/d/;>69>4XidpkXihopfrlshg-icfrtXsjrvlilgm-ru`js-fpp`lifkl`lty-rjmu`ftlhg-x-fge-rjmu`ftlhg-z.ped 71

649 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(d) ’ 6.

645 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(d) ’ 6(l).








Lg f stftj wcjrj tcjrj ls gh ihurt dl`lgm fge gh ehiuojgt rjihreje hr puk`lscje, tcls

whuè kj ‐tcj jfr l̀jst ehiuojgt tcft jstfk`lscjs, sjts, hr sicjeu`js f eftj dhr tcj

dhrji`hsurj sf`j.‟644

F ehiuojgt tcft oust kj sjgt th f ej`lgqujgt khrrhwjr kut ls ght lgltlf``y rjqulrje th

kj dl`je, rjihreje, hr puk`lscje ls ght f ‐dlrst ghtlij hr dl`lgm‟ bust kjifusj lt oust

`ftjr kj fttficje th fghtcjr ehiuojgt tcft LY rjqulrje th kj dl`je, rjihreje hr

puk`lscje th dhrji`hsj. 64=

;.; ]cjg ls f sjrvlijr prhclkltje drho dl`lgmf dhrji`hsurj fitlhg8

6;> EF\ ^[HCLKLULHG

F sjrvlijr, lgiùelgm f sof̀ ` sjrvlijr,643

ifgght dl`j dhr fgy buelilf` hr ghg-buelilf` dhrji`hsurj

eurlgm tcj dlrst 6;> efys tcft tcj khrrhwjr ls ej`lgqujgt.64<

Jxijptlhgs th tcj 6;>-efy ru`j2

F sjrvlijr IFG dhrji`hsj shhgjr tcfg 6;> efys fdtjr ej`lgqujgiy ld tcj dflùrj th pfy

ls kfsje hg f khrrhwjr“s vlh`ftlhg hd f euj hg sf`j i`fusj.

6=>

F sjrvlijr IFG dhrji`hsj shhgjr tcfg 6;> efys fdtjr ej`lgqujgiy ld tcj sjrvlijr ls

bhlglgm f dhrji`hsurj hd f sukhrelgftj `ljgchèjr. 6=6

64: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(d) ’ 6(ll).

644 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(d) ’ 6(lll).

64= 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(d) ’ 6(lv).

643 6; I.D.[. § 6>;5.56(b).

64< 6; I.D.[. § 6>;5.56(d)(6)(l).

6=> 6; I.D.[. § 6>;5.56(d)(6)(ll).




Ucls ru`j fpp`ljs th `hfgs tcft frj ej`lgqujgt wcjg tcj gjw ru`js mh lgth jddjit hg Bfgufry 6>,

;>65.

^[HCLKLULHG HG DL@LGM DH[JI@HYZ[J EZ[LGM JTF@ZFULHG HD IHO^@JUJ @HYY

OLULMFULHG F^^@LIFULHG

F sjrvlijr, wch ls ght f sof`` sjrvlijr, 6=;

ifgght dl`j dhr fgy buelilf` hr ghg-buelilf` dhrji`hsurj

ld tcj khrrhwjr sukolts f ihop`jtj `hss oltlmftlhg fpp`liftlhg kjdhrj f dhrji`hsurj ls dl`je.6=9

Ucls prhclkltlhg fpp`ljs wcjtcjr tcj ihop`jtje ̀ hss oltlmftlhg fpp`liftlhg wfs dl`je ky tcj

khrrhwjr eurlgm tcj dlrst 6;> efys tcft tcj khrrhwjr ls ej`lgqujgt hr fgy tloj fdtjr tcj dlrst 6;>

efys kut kjdhrj f dhrji`hsurj ls dl`je.6=5

Ucls prhklclkltlhg hg dl`lgm dhrji`hsurj `fsts ugtl` hgj hd tcj dh``hwlgm cfs cfppjgje2

Ucj sjrvlijr cfs ejglje tcj khrrhwjr“s fpp`liftlhg dhr ̀ hss oltlmftlhg fge

tcj fppjf` prhijss ls ght fvfl`fk`j th tcj khrrhwjr wchsj ̀ hss oltlmftlhg

fpp`liftlhg wfs ejglje16=:

hr

tcj tloj dhr fppjf` hd tcj ejglf` cfs jxplrje16=4

hr

tcj khrrhwjr cfs fppjf`je f ̀ hss oltlmftlhg ejglf` fge tcj fppjf` wfs ejglje.6==

Ucj khrrhwjr cfs rjbjitje f`` `hss oltlmftlhg hptlhgs hddjrje th tcj khrrhwjr ky tcj

sjrvlijr1 6=3

hr

6=6 6; I.D.[. § 6>;5.56(d)(;).

6=; 6; I.D.[. § 6>;5.56(b).

6=9 6; I.D.[. § 6>;5.56(d)(;)(l).

6=5 6; I.D.[. § 6>;5.56(d)(;)(l).

6=: 6; I.D.[. § 6>;5.56(d)(;)(l).

6=4 6; I.D.[. § 6>;5.56(d)(;)(l).

6== 6; I.D.[. § 6>;5.56(d)(;)(l).




Ucj khrrhwjr ehjs ght pjrdhro fs rjqulrje ugejr f `hss oltlmftlhg fmrjjojgt.6=<

F khrrhwjr LY pjrdhrolgm eurlgm tcj `lstlgm hr ofrajtlgm pjrlhe hd f schrt sf`j

hr htcjr slol`fr fmrjjojgt.63>

F khrrhwjr ofy kj ejjoje th cfvj dfl`je th pjrdhro ld tcjrj ls gh fpprhvjeschrt sf`j trfgsfitlhg ft tcj jge hd tcj `lstlgm hr ofrajtlgm pjrlhe.

636

^[HCLKLULHG HG DL@LGM DH[JI@HYZ[J LD UCJ KH[[H]J[ LY ^J[DH[OLGM

^Z[YZFGU UH F YCH[U-UJ[O ^F\OJGU DH[KJF[FGIJ ^[HM[FO H[ F @HYY

OLULMFULHG FM[JJOJGU

F sjrvlijr ifgght dl`j dhr fgy buelilf` hr ghg-buelilf` dhrji`hsurj ft fgy tloj ld tcj khrrhwjr ls

pjrdhrolgm pursufgt th f schrt-tjro pfyojgt dhrkjfrfgij prhmrfo.63;

F schrt-tjro pfyojgt dhrkjfrfgij prhmrfo ls ‐f `hss oltlmftlhg hptlhg dhr wclic f

sjrvlijr f``hws f khrrhwjr th dhrmh ofalgm ijrtflg pfyojgts hr phrtlhgs hd pfyojgts

dhr f pjrlhe hd tloj ’ ght `hgmjr tcfg 4 ohgtcs.639

F sjrvlijr ifgght dl`j dhr fgy buelilf` hr ghg-buelilf` dhrji`hsurj ld f khrrhwjr ls pjrdhrolgm

pursufgt th tcj tjros hd f `hss oltlmftlhg fmrjjojgt. 635

6=3 6; I.D.[. § 6>;5.56(d)(;)(ll).

6=< 6; I.D.[. § 6>;5.56(d)(;)(lll).

63> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(m)(9) ’ 6.

636 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(m)(9) ’ ;.

63; 6; I.D.[. § 6>;5.56(i)(;)(lll).

639 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 56(i)(;)(lll) ’ 6.

635 6; I.D.[. § 6>;5.56(d)(;)(lll)1 6; I.D.[. § 6>;5.56 (m)(9)1 6; I.D.[. § 6>;5.56(b).



:> IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

;.9 ]cft cfppjgs ld tcj khrrhwjr sukolts fihop`jtj `hss oltlmftlhg fpp`liftlhgfdtjr dhrji`hsurj cfs kjjg dl`je8

;.9.6 Ohrj tcfg 9= efys kjdhrj f dhrji`hsurj sf`j

Ld f dhrji`hsurj cfs f`rjfey kjjg dl`je, FGE lt ls ohrj tcfg 9= efys kjdhrj f dhrji`hsurj sf`j,

FGE tcj khrrhwjr sukolts f ihop`jtj ̀ hss oltlmftlhg fpp`liftlhg, f sjrvlijr ifgght ‐ohvj dhr f

dhrji`hsurj buemojgt Qlgiùelgm f elsphsltlvj ohtlhg ̀ laj f ohtlhg dhr ejdfu`t buemojgt, hg tcj

p`jfelgms hr suoofry buemojgt_ hr hrejr hd sf`j, hr ihgeuit f dhrji`hsurj sf`j‟63:

ugtl` hgj hd

tcj dh``hwlgm cfs cfppjgje2

Ucj sjrvlijr cfs ejglje tcj khrrhwjr“s fpp`liftlhg dhr ̀ hss oltlmftlhg fge

tcj fppjf` prhijss ls ght fvfl`fk`j th tcj khrrhwjr wchsj ̀ hss oltlmftlhg

fpp`liftlhg wfs ejglje1 634

hr

tcj tloj dhr fppjf` hd tcj ejglf` cfs jxplrje1 63=

hr

tcj khrrhwjr cfs fppjf`je f `hss oltlmftlhg ejglf` fge tcj fppjf` wfs ejglje.633

hr

Ucj khrrhwjr cfs rjbjitje f`` `hss oltlmftlhg hptlhgs hddjrje th tcj khrrhwjr ky tcj

sjrvlijr1 63<

hr

Ucj khrrhwjr ehjs ght pjrdhro fs rjqulrje ugejr f `hss oltlmftlhg fmrjjojgt. 6<>

63: 6; I.D.[. § 6>;5.56(m) fge Ihoojgt 56(m) ’ 6.

634 6; I.D.[. § 6>;5.56(m)(6).

63= 6; I.D.[. § 6>;5.56(m)(6).

633 6; I.D.[. § 6>;5.56(m)(6).

63< 6; I.D.[. § 6>;5.56(m)(;).







:9 IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

9. Icfrmjs fge djjs tcft ifgkj lophsje hg f khrrhwjr

9.6 [u`js rjmfrelgm prhijsslgm fge

fpp`ylgm pfyojgts

9.6.6 Du`` pjrlheli ohrtmfmj pfyojgts

Du`` pjrlheli ohrtmfmj pfyojgts oust kj irjeltje ky tcj sjrvlijr (lgiùelgm f sof`` sjrvlijr) fs

hd tcj efy tcjy frj rjijlvje jxijpt lg tcj twh `loltje ilriuostfgijs ghtje kj`hw fs `loltje

jxijptlhgs.

F du`` ohrtmfmj pfyojgt (if``je f pjrlheli pfyojgt ugejr [jmu`ftlhg R) ls f

pfyojgt tcft ls suddliljgt th ihvjr prlgilpf`, lgtjrjst, fge jsirhw, ld fpp`lifk`j.6<<

F pfyojgt ls stl`` f du`` ohrtmfmj pfyojgt jvjg ld tcj khrrhwjr ehjs ght pfy

fohugts rjqulrje th kj pfle dhr `ftj djjs, htcjr djjs, hr ‐ghg-jsirhw pfyojgts f

sjrvlijr cfs fevfgije hg f ihgsuojr“s kjcf`d.‟;>>

F ghg-jsirhw pfyojgt olmct lgiùej pfyojgt ky f sjrvlijr dhr dhrij-p`fije

lgsurfgij hr prhpjrty tfxjs ld suic pfyojgt wfs ght ofej vlf tcj jsirhw

fiihugt.

6<< 6; I.D.[. § 6>;4.94(i)(6)(l).

;>> 6; I.D.[. § 6>;4.94(i)(6)(l).





:: IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Lg tcls ifsj tcj pfyojgt cfs th kj irjeltje wltclg dlvj efys fdtjr tcj pfyojgt ls

rjijlvje. ;>4

9.6.; ^frtlf` pjrlheli ohrtmfmj pfyojgts

Ucj sjrvlijr ifg ejilej wcft th eh wltc f pfrtlf` pfyojgt lt rjijlvjs. Yh `hgm fs ght prhclkltje

ky htcjr `fw hr tcj ihgtrfit kjtwjjg tcj pfrtljs th f ohrtmfmj, f pfrtlf` ohrtmfmj pfyojgt ifg

kj2

Irjeltje uphg rjijlpt1 ;>=

[jturgje th tcj khrrhwjr1 ;>3

ût lg f suspjgsj hr ugfpp`lje duges fiihugt ugtl` tcj khrrhwjr cfs pfle tcj sjrvlijr

jghumc ohgjy th ihvjr f du`` ohrtmfmj pfyojgt. ;><

Ucj sjrvlijr f`sh cfs th lgeliftj hg fgy pjrlheli stftjojgt lt ls rjqulrje th sjge th tcj khrrhwjr2

tcj thtf` fohugt tcft ls kjlgm cjè lg f suspjgsj fiihugt1;6>

tcj thtf` hd f`` pfyojgts rjijlvje slgij tcj `fst pjrlheli stftjojgt sjgt th f suspjgsj hr

ugfpp`lje duges fiihugt1;66

fge

tcj thtf` hd f`` pfyojgts rjijlvje slgij tcj kjmlgglgm hd tcj iurrjgt if`jgefr yjfr kjlgm

cjè lg f suspjgsj hr ugfpp`lje duges fiihugt. ;6;

;>4 6; I.D.[. § 6>;4.94(i)(6)(lll).

;>= 6; I.D.[. pfrt 6>;4 Yupp`jojgt L, Ihoojgt 94(i)(6)(ll) ’ 6(l).

;>3 6; I.D.[. pfrt 6>;4 Yupp`jojgt L, Ihoojgt 94(i)(6)(ll) ’ 6(ll).

;>< 6; I.D.[. § 6>;4.94(i)(6)(ll) fge Ihoojgt 94(i)(6)(ll) ’ 6(lll).

;6> 6; I.D.[. § 6>;4.94(i)(6)(ll)(F).

;66 6; I.D.[. § 6>;4.56(e)(9)(l).

;6; 6; I.D.[. § 6>;4.56(e)(9)(ll).




Hgij jghumc ohgjy cfs kjjg pfle lgth f suspjgsj hr ugfpp`lje duges fiihugt th ihvjr f du``

pjrlheli ohrtmfmj pfyojgt tcj sjrvlijr oust trjft tcj duges ̀ laj f du`` ohrtmfmj pfyojgt.;69

9.; @loltftlhgs hg pyrfolelgm `ftj djjs ]cjg `ftj djjs frj pyrfoleje tcj sjrvlijr fpp`ljs ohgjy tcft ihojs lg th ofaj tcj ohrtmfmj

pfyojgt th jxlstlgm `ftj djjs, ifuslgm tcj iurrjgt ohrtmfmj pfyojgt th kj pfrtlf`, ght ihop`jtj.

Gjw djjs frj tcjg lophsje hg tcj khrrhwjr, fge ihgtlguj th kj lophsje slgij tcj sjrvlijr

ihgslejrs tcj khrrhwjr th kj ihgtlguhus`y ej`lgqujgt, jvjg ld tcj khrrhwjr ls ofalgm sicjeu`je

pfyojgts fge tcj hg`y schrtfmj ls euj th `ftj djjs.

Yjrvlijrs frj ght f``hwje th lophsj f `ftj djj hr f ej`lgqujgiy icfrmj hg f ohrtmfmj pfyojgt ld

tcj ‐djj hr icfrmj ls fttrlkutfk`j sh`j`y th dflùrj hd tcj ihgsuojr th pfy f `ftj djj hr ej`lgqujgiy

icfrmj hg fg jfr`ljr pfyojgt‟;65

fge tcj pfyojgt ls htcjrwlsj f du`` pjrlheli ohrtmfmj pfyojgt

rjijlvje wcjg lt ls euj hr eurlgm fgy ihurtjsy pjrlhe. ;6:

9.9 @loltftlhgs hg dhrij-p`fije lgsurfgijUcls sjitlhg ejsirlkjs wcft dhrij-p`fije lgsurfgij ls, wcjg, mjgjrf``y, f sjrvlijr ifg icfrmj f

khrrhwjr dhr dhrij-p`fije lgsurfgij, chw f khrrhwjr ifg ejohgstrftj tcft tcj khrrhwjr cfscfzfre lgsurfgij, tcj prhijeurj sjrvlijrs oust dh``hw kjdhrj puricfslgm dhrij-p`fije lgsurfgij

lg tcj dlrst lgstfgij, fge tcj prhijeurj tcft sjrvlijrs oust dh``hw kjdhrj rjgjwlgm dhrij-p`fije

lgsurfgij.

;69 6; I.D.[. § 6>;4.94(i)(6)(ll)(K).

;65 6; I.D.[. § 6>;4.94(i)(;)(l).

;6: 6; I.D.[. § 6>;4.94(i)(;)(ll).



:= IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

9.9.6 ]cft ls Dhrij-p`fije Lgsurfgij8

Dhrij-p`fije lgsurfgij ls ‐cfzfre lgsurfgij hktflgje ky f sjrvlijr hg kjcf`d hd tcj hwgjr hr

fsslmgjj hd f ohrtmfmj ̀ hfg tcft lgsurjs tcj prhpjrty sjiurlgm suic ̀ hfg.‟;64

Dhrij-^`fije lgsurfgij ls GHU2

Cfzfre lgsurfgij rjqulrje ky tcj D`hhe Elsfstjr ̂ rhtjitlhg Fit hd 6<=91 ;6=

Cfzfre lgsurfgij puricfsje ky tcj khrrhwjr kut rjqulrje th kj rjgjwje ky tcj

sjrvlijr hut hd duges lg jsirhw hr pfrtlf``y fevfgije ky tcj sjrvlijr1;63

Cfzfre lgsurfgij puricfsje ky tcj khrrhwjr kut rjgjwje ky tcj sjrvlijr, wltc tcj

khrrhwjr“s ihgsjgt, jvjg tchumc tcj sjrvlijr ls ght rjqulrje th rjgjw tcj lgsurfgij.

;6<

9.9.; ]cjg ifg tcj sjrvlijr puricfsj fge icfrmj tcjkhrrhwjr dhr dhrij-p`fije lgsurfgij8

F sjrvlijr ls f̀ `hwje th puricfsj fge icfrmj tcj khrrhwjr f prjoluo fge djj dhr dhrij-p`fije

lgsurfgij ld tcj sjrvlijr cfs ‐f rjfshgfk`j kfsls th kj`ljvj tcft tcj khrrhwjr cfs dfl`je th ihop`y

wltc tcj `hfg ihgtrfit“s rjqulrjojgt th oflgtflg cfzfre lgsurfgij.‟;;>

F sjrvlijr ‐ofy‟ cfvj f rjfshgfk`j kfsls th kj`ljvj tcj khrrhwjr ehjsg“t cfvj cfzfre lgsurfgij

ld tcj sjrvlijr2

;64 6; I.D.[. § 6>;5.9=(f)(6).

;6= 6; I.D.[. § 6>;5.9=(f)(;)(l).

;63 6; I.D.[. § 6>;5.9=(f)(;)(ll)1 6; I.D.[. § 6>;5.6=(a)(6), (;) fge (:).

;6< 6; I.D.[. § 6>;5.9=(f)(;)(lll) fge Ihoojgt 9=(f)(;)(lll) ’ 6 .

;;> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(k) ’ 6.




Ls thè tcls ky tcj khrrhwjr, tcj lgsurfgij ihopfgy hr tcj lgsurfgij fmjgt1 ;;6

Fits wltc ‐rjfshgfk`j el`lmjgij th fsijrtflg f khrrhwjr“s cfzfre lgsurfgij stftus‟

fge tcj khrrhwjr ehjs ght mlvj tcj sjrvlijr jvlejgij hd lgsurfgij ihvjrfmj wltclg 6:

efys hd tcj sjrvlijr ej`lvjrlgm hr p`filgm lg tcj ofl` tcj sjihge wrlttjg ghtlij fkhutcfzfre lgsurfgij rjqulrje ky tcj ru`js.

;;;

F sjrvlijr cfs fitje wltc rjfshgfk`j el`lmjgij ld tcj sjrvlijr ihop`ljs wltc tcj

ghtlij rjqulrjojgts ejsirlkje kj`hw. ;;9

F sjrvlijr ifgght puricfsj dhrij-p`fije dhr f khrrhwjr wchsj ohrtmfmj pfyojgt ls ohrj tcfg

9> efys hvjreuj ld tcj sjrvlijr cfs jstfk`lscje fg jsirhw fiihugt dhr tcj pfyojgt hd cfzfre

lgsurfgij ‐ug`jss f sjrvlijr ls ugfk`j th elskursj duges drho tcj khrrhwjr's jsirhw fiihugt th

jgsurj tcft tcj khrrhwjr's cfzfre lgsurfgij prjoluo icfrmjs frj pfle lg f tloj`y ofggjr.‟;;5

F sjrvlijr ls ugfk`j th elskursj duges ld ‐tcj sjrvlijr cfs f rjfshgfk`j kfsls th kj`ljvj

jltcjr tcft tcj khrrhwjr's cfzfre lgsurfgij cfs kjjg ifgij`je (hr wfs ght rjgjwje) dhr

rjfshgs htcjr tcfg ghgpfyojgt hd prjoluo icfrmjs hr tcft tcj khrrhwjr's prhpjrty ls

vfifgt.‟;;:

F sjrvlijr ls ght ihgslejrje ugfk`j th elskursj duges drho tcj khrrhwjr's jsirhw fiihugt

‐kjifusj tcj jsirhw fiihugt ihgtflgs lgsuddliljgt duges dhr pfylgm cfzfre lgsurfgij

prjoluo icfrmjs.‟;;4

;;6 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(k) ’ 6.

;;; 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(k) ’ 61 6; I.D.[. § 6>;5.9=(i)(6)(lll).

;;9 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(k) ’ 61 6; I.D.[. §§ 6>;5.9=(i)(6)(l) & (ll).

;;5 6; I.D.[. § 6>;5.6=(a)(:)(l).

;;: 6; I.D.[. § 6>;5.6=(a)(:)(ll)(F).

;;4 6; I.D.[. § 6>;5.6=(a)(:)(ll)(K).



:< IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Ld tcj sjrvlijr fevfgijs duges dhr pfylgm cfzfre lgsurfgij tcj sjrvlijr ifg sjja rjpfyojgt hd

tcj duges fevfgije ug`jss tcj sjrvlijr ls prhclkltje drho ehlgm sh ky fpp`lifk`j ̀ fw.;;=

‐F sjrvlijr tcft quf`ldljs fs f sof`` sjrvlijr pursufgt th 6; ID[ 6>;4.56(j)(5) ofy puricfsj

dhrij-p`fije lgsurfgij fge icfrmj tcj ihst hd tcft lgsurfgij th tcj khrrhwjr ld tcj ihst th tcj

khrrhwjr hd tcj dhrij-p`fije lgsurfgij ls `jss tcfg tcj fohugt tcj sof`` sjrvlijr whuè gjje

th elskursj drho tcj khrrhwjr's jsirhw fiihugt th jgsurj tcft tcj khrrhwjr's cfzfre

lgsurfgij prjoluo icfrmjs wjrj pfle lg f tloj`y ofggjr.‟;;3

9.9.9 Chw ifg tcj khrrhwjr prhvj tcft tcj khrrhwjr cfscfzfre lgsurfgij ihvjrfmj lg hrejr th fvhle dhrij-p`fije lgsurfgij8

Lg hrejr th prhvj tcft tcj khrrhwjr cfs ihgtlguhus cfzfre lgsurfgij ihvjrfmj, f sjrvlijr ifgrjqulrj tcj khrrhwjr th mlvj tcj sjrvlijr f ihpy hd2

tcj lgsurfgij ph`liy eji`frftlhg pfmj1

tcj lgsurfgij ijrtldliftj1

tcj lgsurfgij ph`liy1 hr

htcjr slol`fr dhros hd wrlttjg ihgdlroftlhg hd lgsurfgij ihvjrfmj.;;<

F sjrvlijr ofy rjbjit jvlejgij hd cfzfre lgsurfgij ihvjrfmj sukolttje ky tcj khrrhwjr ld2

Ucj lgsurfgij ihopfgy hr fmjgt ehjs ght ihgdlro tcj lgdhroftlhg sukolttje ky tcj

khrrhwjr1 hr

Ucj tjros hd tcj lgsurfgij eh ght ihop`y wltc tcj lgsurfgij rjqulrjojgts lg tcj

khrrhwjr“s ihgtrfit.;9>

;;= 6; I.D.[. § 6>;5.6=(a)(:)(ll)(I).

;;3 6; I.D.[. § 6>;5.6=(a)(:)(lll).

;;< 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgts 9=(i)(6)(lll) ’ ; fge 9=(j)(6) ’ 6.

;9> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(i)(6)(lll) ’ ;.




F khrrhwjr ls ejjoje th cfvj cfe ihgtlguhus ihvjrfmj jvjg ld tcj khrrhwjr pfle tcj rjqulrje

prjoluo fdtjr tcj euj eftj ld tcj lgsurfgij ihopfgy fiijptje tcj prjoluo pfyojgt pursufgt

th `fws hr lgsurfgij ph`liy tjros tcft mlvj tcj khrrhwjr fg jxtjgslhg hd tloj th ofaj tcj

prjoluo pfyojgt fge tcjrj wfs gh `fpsj lg lgsurfgij ihvjrfmj.;96

9.9.5 ûricfslgm fge icfrmlgm tcj khrrhwjr dhr dhrij-p`fijelgsurfgij

YUJ^ HGJ ’ DH[IJ-^@FIJE LGYZ[FGIJ ^Z[ICFYJ2 DL[YU GHULIJ D[HO UCJ

YJ[TLIJ[

Ft `jfst dhrty-dlvj efys kjdhrj icfrmlgm tcj khrrhwjr f dhrij-p`fije lgsurfgij icfrmj hr djj, tcj

sjrvlijr oust ‐ej`lvjr th tcj khrrhwjr hr p`fij lg tcj ofl`‟ (ft `jfst dlrst i`fss ofl`);9;

f wrlttjg

ghtlij tcft cfs tcj dh``hwlgm lgdhroftlhg, shoj hd wclic cfs th kj lg khè typj2

;99

Ucj eftj hd tcj ghtlij1

Ucj sjrvlijr's gfoj fge ofl`lgm feerjss1

Ucj khrrhwjr's gfoj fge ofl`lgm feerjss1

F rjqujst tcft lejgtldljs tcj prhpjrty ky lts feerjss fge, lg khè, fsas tcj khrrhwjr th

prhvlej cfzfre lgsurfgij lgdhroftlhg dhr tcj prhpjrty1

F stftjojgt tcft tcj khrrhwjr's cfzfre lgsurfgij ls jxplrlgm hr cfs jxplrje, fs

fpp`lifk`j, fge tcft tcj sjrvlijr ehjs ght cfvj jvlejgij tcft tcj khrrhwjr cfs cfzfre

lgsurfgij ihvjrfmj pfst tcj jxplrftlhg eftj1

Ld tcj khrrhwjr ls rjqulrje th cfvj ohrj tcfg hgj alge hd lgsurfgij (l.j. kfsli

cfzfre lgsurfgij fge fghtcjr ph`liy ihvjrlgm cfzfres ght ihvjrje ugejr tcj

;96

6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(i)(6)(lll) ’ 6.;9;

6; I.D.[. § 6>;5.9=(d).

;99 6; I.D.[. § 6>;5.9=(i)(6)(l)1 6; I.D.[. §6>;5.9=(i)(;)(l-xl). Ucj khè typj rjqulrjojgt ls lg 6; I.D.[. §

6>;5.9=(i)(9).




oflg ph`liy) tcj stftjojgt oust lejgtldy dhr wclic lgsurfgij tcj sjrvlijr ̀ fias

jvlejgij hd ihvjrfmj.;95

‐F stftjojgt tcft cfzfre lgsurfgij ls rjqulrje hg tcj khrrhwjr's prhpjrty, fge tcft

tcj sjrvlijr cfs puricfsje hr wl`` puricfsj, fs fpp`lifk`j, suic lgsurfgij ft tcj khrrhwjr's jxpjgsj‟ (lg khè)1

‐F stftjojgt rjqujstlgm tcj khrrhwjr th prhopt`y prhvlej tcj sjrvlijr wltc

lgsurfgij lgdhroftlhg1‟

‐F ejsirlptlhg hd tcj rjqujstje lgsurfgij lgdhroftlhg fge chw tcj khrrhwjr ofy

prhvlej suic lgdhroftlhg, fge ld fpp`lifk`j, f stftjojgt tcft tcj rjqujstje

lgdhroftlhg oust kj lg wrltlgm1‟

F wfrglgm th tcj khrrhwjr (lg khè) tcft ld tcj sjrvlijr puricfsjs cfzfre lgsurfgij lt

ofy ihst ohrj fge prhvlej `jss ihvjrfmj tcfg fg lgsurfgij ph`liy puricfsje ky tcj

khrrhwjr1

‐Ucj sjrvlijr's tj`jpchgj guokjr dhr khrrhwjr lgqulrljs.‟

Ld feeltlhgf` lgdhroftlhg ls mlvjg th tcj khrrhwjr wltc tcls ghtlij, f stftjojgt tj``lgm

tcj khrrhwjr th rjvljw tcj feeltlhgf` oftjrlf`.

Fgy feeltlhgf` oftjrlf`, lgiùelgm fgy ghtlij rjqulrje ky tcj D`hhe Elsfstjr

^rhtjitlhg Fit hd 6<=9, cfs th kj hg f sjpfrftj pljij hd pfpjr drho tcj ghtlij.;9:

Ucj sjrvlijr ofy usj dhro OY-9F wcjg lt sjges tcls wrlttjg ghtlij.;94

;95 6; I.D.[. § 6>;5.9=(i)(;)(v) fge Ihoojgt 9=(i)(;)(v) ’ 6.

;9: 6; I.D.[. § 6>;5.9=(i)(5)1 6; I.D.[. § 6>;5.9=(l).

;94 6; I.D.[. § 6>;5.9=(i)(9).




Ucls ghtlij cfs th kj sjgt jvjg ld tcj sjrvlijr ls f ejkt ih``jithr fge tcj khrrhwjr cfs sjgt f

ijfsj ihoougliftlhg wrltlgm ugejr tcj DEI^F.;9=

YUJ^ U]H ’ DH[IJ-^@FIJE LGYZ[FGIJ ^Z[ICFYJ2 YJIHGE/[JOLGEJ[ GHULIJ

D[HO UCJ YJ[TLIJ[Gh shhgjr tcfg 9> efys fdtjr ‐ej`lvjrlgm th tcj khrrhwjr hr p`filgm lg tcj ofl`‟ (ft `jfst dlrst

i`fss ofl`);93

tcj dlrst ghtlij, fge ft `jfst 6: efys kjdhrj icfrmlgm tcj khrrhwjr f dhrij-p`fije

lgsurfgij icfrmj hr djj, tcj sjrvlijr oust ‐ej`lvjr th tcj khrrhwjr hr p`fij lg tcj ofl`‟ f wrlttjg

rjolgejr ghtlij, shoj hd wclic cfs th kj lg khè typj.;9<

Ucj ihgtjgt hd tcj ghtlij ls

ejtjrolgje ky wcjtcjr tcj khrrhwjr cfs prhvleje tcj sjrvlijr wltc gh lgdhroftlhg (Hptlhg 6

kj`hw), hr cfs ght ejohgstrftje ihgtlguhus ihvjrfmj (Hptlhg ; kj`hw).;5>

[jolgejr ghtlij ld tcj khrrhwjr cfs prhvleje tcj sjrvlijr wltc gh lgdhroftlhg.Ld tcj khrrhwjr cfs prhvleje gh lgsurfgij lgdhroftlhg th tcj sjrvlijr fdtjr rjijlvlgm tcj dlrst

`jttjr, tcj rjolgejr `jttjr oust cfvj tcj dh``hwlgm lgdhroftlhg, shoj hd wclic cfs th kj lg khè

typj2;56


F stftjojgt (lg khè) tcft tcls ls tcj sjihge fge dlgf` ghtlij1

F`` hd tcj lgdhroftlhg drho tcj dlrst ghtlij,;5;

lgiùelgm2


;9= ID^K ku``jtlg ;>69-6; ft 4, fvfl`fk`j ft cttp2//dl`js.ihgsuojrdlgfgij.mhv/d/;>696>XidpkXohrtmfmj-


;93 6; I.D.[. § 6>;5.9=(d).

;9< 6; I.D.[. § 6>;5.9=(i)(6)(ll)1 6; I.D.[. § 6>;5.9=(e)(6)1 6; I.D.[. § 6>;5.9=(e)(;). Ucj khè typj

rjqulrjojgt ls lg 6; I.D.[. § 6>;5.9=(e)(9).

;5>

Yjj 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(e)(6) ’ 6 dhr jxfop`js hd wcjg jfic hd tcj ghtlijsls fpprhprlftj.

;56 6; I.D.[. § 6>;5.9=(e)(;)(l)(F-E). Ucj khè typj rjqulrjojgt ls lg 6; I.D.[. § 6>;5.9=(e)(9).

;5; 6; I.D.[. § 6>;5.9=(e)(;)(l)(I).











F rjqujst tcft lejgtldljs tcj prhpjrty ky lts feerjss fge, lg khè, fsas tcj

khrrhwjr th prhvlej cfzfre lgsurfgij lgdhroftlhg dhr tcj prhpjrty1

‐F stftjojgt tcft tcj khrrhwjr's cfzfre lgsurfgij ls jxplrlgm hr cfs jxplrje, fs

fpp`lifk`j, fge tcft tcj sjrvlijr ehjs ght cfvj jvlejgij tcft tcj khrrhwjr cfscfzfre lgsurfgij ihvjrfmj pfst tcj jxplrftlhg eftj, fge tcft, ld fpp`lifk`j,

lejgtldljs tcj typj hd cfzfre lgsurfgij dhr wclic tcj sjrvlijr ̀ fias jvlejgij hd

ihvjrfmj‟1

‐F stftjojgt tcft cfzfre lgsurfgij ls rjqulrje hg tcj khrrhwjr's prhpjrty, fge

tcft tcj sjrvlijr cfs puricfsje hr wl`` puricfsj, fs fpp`lifk`j, suic lgsurfgij ft

tcj khrrhwjr's jxpjgsj‟ (lg khè)1

‐F stftjojgt rjqujstlgm tcj khrrhwjr th prhopt`y prhvlej tcj sjrvlijr wltc

lgsurfgij lgdhroftlhg1‟

‐F ejsirlptlhg hd tcj rjqujstje lgsurfgij lgdhroftlhg fge chw tcj khrrhwjrofy prhvlej suic lgdhroftlhg, fge ld fpp`lifk`j, f stftjojgt tcft tcj rjqujstje


F wfrglgm th tcj khrrhwjr (lg khè) tcft ld tcj sjrvlijr puricfsjs cfzfre

lgsurfgij lt ofy ihst ohrj fge prhvlej ̀ jss ihvjrfmj tcfg fg lgsurfgij ph`liy

puricfsje ky tcj khrrhwjr.


Ucj fgguf` ihst hr, ld ugfvfl`fk`j, tcj jstloftje fgguf` ihst hd dhrij-p`fije lgsurfgij, lg

khè.;59

Ucj fituf` ihst hd tcj dhrij-p`fije lgsurfgij ofy vfry drho fg jstloftj ugejr

tcls pfrfmrfpc ‐sh `hgm fs tcj jstloftje ihst ls kfsje hg tcj lgdhroftlhg

rjfshgfk`y fvfl`fk`j th tcj sjrvlijr ft tcj tloj tcj elsi`hsurj ls prhvleje.‟;55

Ld feeltlhgf` lgdhroftlhg ls mlvjg th tcj khrrhwjr wltc tcls ghtlij, f stftjojgt tj``lgm tcj

khrrhwjr th rjvljw tcj feeltlhgf` oftjrlf`.

;59 6; I.D.[. § 6>;5.9=(e)(;)(l)(E).

;55 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(e)(;)(l)(E) ’ 6.




Fgy feeltlhgf` oftjrlf`, lgiùelgm fgy ghtlij rjqulrje ky tcj D`hhe Elsfstjr ̂ rhtjitlhg Fit hd

6<=9, cfs th kj hg f sjpfrftj pljij hd pfpjr drho tcj ghtlij.;5:

Ucj sjrvlijr ofy usj dhro OY-9K wcjg lt sjges tcls wrlttjg ghtlij.

;54

[jolgejr ghtlij ld tcj khrrhwjr cfs ght ejohgstrftje ihgtlguhus ihvjrfmj

Ld tcj khrrhwjr cfs prhvleje cfzfre lgsurfgij lgdhroftlhg th tcj sjrvlijr fdtjr rjijlvlgm tcj

dlrst ghtlij, kut cfs ght ejohgstrftje tcft tcj khrrhwjr cfs cfe ihgtlguhus cfzfre lgsurfgij

ihvjrfmj, tcj rjolgejr `jttjr oust cfvj tcj dh``hwlgm lgdhroftlhg, shoj hd wclic cfs th kj lg

khè typj2;5=

Ucj eftj hd tcj ghtlij1 ;53

Yhoj hd tcj lgdhroftlhg drho tcj dlrst ghtlij,;5< lgiùelgm2



F rjqujst tcft lejgtldljs tcj prhpjrty ky lts feerjss fge, lg khè, fsas tcj

khrrhwjr th prhvlej cfzfre lgsurfgij lgdhroftlhg dhr tcj prhpjrty1

‐Ucj sjrvlijr's tj`jpchgj guokjr dhr khrrhwjr lgqulrljs1‟

Ld feeltlhgf` lgdhroftlhg ls mlvjg th tcj khrrhwjr wltc tcls ghtlij, f stftjojgt

tj``lgm tcj khrrhwjr th rjvljw tcj feeltlhgf` oftjrlf`.


^rhtjitlhg Fit hd 6<=9, cfs th kj hg f sjpfrftj pljij hd pfpjr drho tcj

ghtlij.;:>

;5: 6; I.D.[. § 6>;5.9=(i)(5)1 6; I.D.[. § 6>;5.9=(e)(5)1 6; I.D.[. § 6>;5.9=(l).

;54 6; I.D.[. § 6>;5.9=(e)(9).

;5= 6; I.D.[. § 6>;5.9=(e)(;)(ll)(F-J). Ucj khè typj rjqulrjojgt ls lg 6; I.D.[. § 6>;5.9=(e)(9).

;53 6; I.D.[. § 6>;5.9=(e)(;)(ll)(F).

;5< 6; I.D.[. § 6>;5.9=(e)(;)(ll)(K)1 6; I.D.[. § 6>;5.9=(i)(;)(ll-lv)1 6; I.D.[. § 6>;5.9=(i)(;)(x-xl).




F stftjojgt (lg khè) tcft tcls ls tcj sjihge fge dlgf` ghtlij1 ;:6

Ucj fgguf` ihst hr, ld ugfvfl`fk`j, tcj jstloftje fgguf` ihst hd dhrij-p`fije lgsurfgij, lg

khè.;:;

Ucj fituf` ihst hd tcj dhrij-p`fije lgsurfgij ofy vfry drho fg jstloftj ugejrtcls pfrfmrfpc ‐sh `hgm fs tcj jstloftje ihst ls kfsje hg tcj lgdhroftlhg

rjfshgfk`y fvfl`fk`j th tcj sjrvlijr ft tcj tloj tcj elsi`hsurj ls prhvleje.‟;:9

‐F stftjojgt tcft tcj sjrvlijr cfs rjijlvje tcj cfzfre lgsurfgij lgdhroftlhg tcft tcj

khrrhwjr prhvleje1‟ ;:5

‐F stftjojgt tcft rjqujsts tcj khrrhwjr th prhvlej tcj lgdhroftlhg tcft ls olsslgm1‟ ;::

F stftjojgt tcft tcj sjrvlijr wl`` icfrmj tcj khrrhwjr dhr fgy lgsurfgij lt cfs th

puricfsj dhr fgy pjrlhe hd tloj wcjg tcj sjrvlijr ifgght vjrldy lgsurfgij ihvjrfmj. ;:4

Ucj sjrvlijr ofy usj dhro OY-9I wcjg lt sjges tcls wrlttjg ghtlij.;:=

Ld tcj sjrvlijr rjijlvjs gjw lgdhroftlhg fdtjr lt cfs prjpfrje tcj rjolgejr ghtlij kut kjdhrj lt

cfs sjgt tcj rjolgejr ghtlij, tcj sjrvlijr ehjs ght cfvj th upeftj tcj rjolgejr ghtlij sh `hgm fs

tcj rjolgejr ghtlij wfs prjpfrje ‐f rjfshgfk`j tloj prlhr th tcj sjrvlijr ej`lvjrlgm tcj

Qrjolgejr_ ghtlij th tcj khrrhwjr hr p`filgm tcj ghtlij lg tcj ofl`.‟;:3

;:> 6; I.D.[. § 6>;5.9=(i)(5)1 6; I.D.[. § 6>;5.9=(e)(5)1 6; I.D.[. § 6>;5.9=(l).

;:6 6; I.D.[. § 6>;5.9=(e)(;)(ll)(K)1 6; I.D.[. § 6>;5.9=(e)(;)(l)(K).

;:; 6; I.D.[. § 6>;5.9=(e)(;)(ll)(K)1 6; I.D.[. § 6>;5.9=(e)(;)(l)(E).

;:9 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(e)(;)(l)(E) ’ 6.

;:5 6; I.D.[. § 6>;5.9=(e)(;)(ll)(I).

;:: 6; I.D.[. § 6>;5.9=(e)(;)(ll)(E).

;:4 6; I.D.[. § 6>;5.9=(e)(;)(ll)(J).

;:= 6; I.D.[. § 6>;5.9=(e)(9).

;:3 6; I.D.[. § 6>;5.9=(e)(:).




Dlvj efys jxiùelgm `jmf` ch`lefys, Yfturefys fge Yugefys ls f rjfshgfk`j tloj.;:<

YUJ^ UC[JJ ’ DH[IJ-^@FIJE LGYZ[FGIJ ^Z[ICFYJ2 YJ[TLIJ[ ICF[MJY

KH[[H]J[ DH[ DH[IJ-^@FIJE LGYZ[FGIJ ^[JOLZO FGE/H[ DJJY

Gh shhgjr tcfg 6: efys fdtjr ‐ej`lvjrlgm th tcj khrrhwjr hr p`filgm lg tcj ofl`‟ tcj rjolgejrghtlij, tcj sjrvlijr ofy icfrmj tcj khrrhwjr dhr dhrij-p`fije lgsurfgij prjoluos fge/hr djjs ld

tcj sjrvlijr cfs ght rjijlvje ‐jvlejgij ejohgstrftlgm tcft tcj khrrhwjr cfs cfe lg p`fij,

ihgtlguhus`y, cfzfre lgsurfgij ihvjrfmj tcft ihop`ljs wltc tcj ̀ hfg ihgtrfit“s rjqulrjojgts th

oflgtflg cfzfre lgsurfgij.‟;4>

Ucj fohugt icfrmje cfs th kj ‐khgf dlej fge rjfshgfk`j‟.;46

Khgf dlej fge rjfshgfk`j ojfgs lt cfs th kj ‐f icfrmj dhr f sjrvlij fituf``y pjrdhroje

tcft kjfrs f rjfshgfk`j rj`ftlhgsclp th tcj sjrvlijr“s ihst hd prhvlelgm tcj sjrvlij, fge lsght htcjrwlsj prhclkltje ky fpp`lifk`j ̀ fw.‟

;4;

Ucj hg`y jxijptlhg th tcj khgf dlej fge rjfshgfk`j ru`j ls dhr icfrmjs ‐sukbjit th

Ytftj rjmu`ftlhg fs tcj kuslgjss hd lgsurfgij fge icfrmjs futchrlzje ky tcj

D`hhe Elsfstjr ^rhtjitlhg Fit hd 6<=9.‟ ;49

Ld ght prhclkltje ky stftj hr htcjr fpp`lifk`j ̀ fw, tcj sjrvlijr ifg icfrmj dhr lgsurfgij

puricfsje ‐rjtrhfitlvj th tcj dlrst efy hd fgy pjrlhe hd tloj lg wclic tcj khrrhwjr ele ght cfvj

cfzfre lgsurfgij lg p`fij.‟;45

;:< 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(e)(5).

;4> 6; I.D.[. § 6>;5.9=(i)(6)(lll).

;46 6; I.D.[. § 6>;5.9=(c)(6).

;4; 6; I.D.[. § 6>;5.9=(c)(;).

;49 6; I.D.[. § 6>;5.9=(c)(6).

;45 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(i)(6)(l)-)(6.




9.9.: Dhrij-p`fije lgsurfgij rjgjwf`s fge rjp`fijojgts

YUJ^ HGJ ’ DH[IJ-^@FIJE LGYZ[FGIJ [JGJ]F@ H[ [J^@FIJOJGU2 GHULIJ

D[HO UCJ YJ[TLIJ[

Ft `jfst dhrty-dlvj efys kjdhrj icfrmlgm tcj khrrhwjr f icfrmj hr djj dhr rjgjwlgm hr rjp`filgmdhrij-p`fije lgsurfgij, tcj sjrvlijr oust ‐ej`lvjr th tcj khrrhwjr hr p`fij lg tcj ofl`‟ (ft ̀ jfst

dlrst i`fss ofl`);4:

f wrlttjg ghtlij tcft cfs tcj dh``hwlgm lgdhroftlhg, shoj hd wclic cfs th kj lg

khè typj;44

2




F rjqujst tcft lejgtldljs tcj prhpjrty ky lts feerjss fge, lg khè, fsas tcj khrrhwjr th

upeftj tcj cfzfre lgsurfgij lgdhroftlhg dhr tcj khrrhwjr“s prhpjrty1

‐F stftjojgt tcft tcj sjrvlijr prjvlhus`y puricfsje lgsurfgij hg tcj khrrhwjr“s

prhpjrty fge fssjssje tcj ihst hd tcj lgsurfgij th tcj khrrhwjr kjifusj tcj sjrvlijr

ele ght cfvj jvlejgij tcft tcj khrrhwjr cfe cfzfre lgsurfgij ihvjrfmj dhr tcj

prhpjrty1‟

F stftjojgt tcft tcj jfr l̀jr dhrij-p`fije lgsurfgij ls jxplrlgm hr cfs jxplrje, fge f

stftjojgt (lg khè) tcft kjifusj cfzfre lgsurfgij ls rjqulrje tcj sjrvlijr lgtjges th

rjgjw hr rjp`fij tcj jxlstlgm dhrij-p`fije lgsurfgij1

F wfrglgm th tcj khrrhwjr (lg khè) tcft ld tcj sjrvlijr puricfsjs cfzfre lgsurfgij lt

ofy ihst ohrj fge prhvlej `jss ihvjrfmj tcfg fg lgsurfgij ph`liy puricfsje ky tcj

khrrhwjr1

;4: 6; I.D.[. § 6>;5.9=(d).

;44 6; I.D.[. § 6>;5.9=(j)(6)(l)1 6; I.D.[. § 6>;5.9=(j)(;)(l-xl). Ucj khè typj rjqulrjojgt ls lg 6; I.D.[. §

6>;5.9=(j)(9).




Ucj fgguf` ihst hr, ld ugfvfl`fk`j, tcj jstloftje fgguf` ihst hd dhrij-p`fije

lgsurfgij, lg khè1

Ucj fituf` ihst hd tcj dhrij-p`fije lgsurfgij ofy vfry drho fg jstloftj ugejr

tcls pfrfmrfpc ‐sh `hgm fs tcj jstloftje ihst ls kfsje hg tcj lgdhroftlhg

rjfshgfk`y fvfl`fk`j th tcj sjrvlijr ft tcj tloj tcj elsi`hsurj ls prhvleje.‟;4=

F stftjojgt tcft tcj khrrhwjr schuè prhopt`y prhvlej tcj sjrvlijr wltc lgsurfgij

lgdhroftlhg ld tcj khrrhwjr puricfsjs cfzfre lgsurfgij1

‐F ejsirlptlhg hd tcj rjqujstje lgsurfgij lgdhroftlhg fge chw tcj khrrhwjr ofy

prhvlej suic lgdhroftlhg, fge ld fpp`lifk`j, f stftjojgt tcft tcj rjqujstje



Ld feeltlhgf` lgdhroftlhg ls mlvjg th tcj khrrhwjr wltc tcls ghtlij, f stftjojgt tj``lgm

tcj khrrhwjr th rjvljw tcj feeltlhgf` oftjrlf`.


^rhtjitlhg Fit hd 6<=9, cfs th kj hg f sjpfrftj pljij hd pfpjr drho tcj ghtlij.;43

Ucj sjrvlijr ofy usj dhro OY-9E wcjg lt sjges tcls wrlttjg ghtlij.;4<

Ucls ghtlij cfs th kj prhvleje kjdhrj jfic fgglvjrsfry hd tcj sjrvlijr puricfslgm dhrij-p`fije

lgsurfgij, kut ght ohrj tcfg hgij pjr yjfr.;=>

;4= 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(j)(;)(vll) ’ 6.

;43 6; I.D.[. § 6>;5.9=(j)(5)1 6; I.D.[. § 6>;5.9=(l).

;4< 6; I.D.[. § 6>;5.9=(j)(9).

;=> 6; I.D.[. § 6>;5.9=(j)(:).




YUJ^ U]H - DH[IJ-^@FIJE LGYZ[FGIJ [JGJ]F@ H[ [J^@FIJOJGU2 YJ[TLIJ[

ICF[MJY KH[[H]J[ DH[ DH[IJ-^@FIJE LGYZ[FGIJ ^[JOLZO FGE/H[ DJJY

Gh shhgjr tcfg 5: efys fdtjr ‐ej`lvjrlgm th tcj khrrhwjr hr p`filgm lg tcj ofl`‟ tcj rjgjwf` hr

rjp`fijojgt ghtlij, tcj sjrvlijr ofy icfrmj tcj khrrhwjr dhr dhrij-p`fije lgsurfgij prjoluos

fge/hr djjs rj`ftje th rjgjwlgm hr rjp`filgm tcj lgsurfgij ld tcj sjrvlijr cfs ght rjijlvje‐jvlejgij ejohgstrftlgm tcft tcj khrrhwjr cfs puricfsje cfzfre lgsurfgij ihvjrfmj tcft

ihop`ljs wltc tcj ̀ hfg ihgtrfit“s rjqulrjojgts th oflgtflg cfzfre lgsurfgij.‟;=6

Lg hrejr th prhvj tcft tcj khrrhwjr cfs cfzfre lgsurfgij ihvjrfmj tcft ihop`ljs wltc tcj `hfg

ihgtrfit“s rjqulrjojgts, f sjrvlijr ifg rjqulrj tcj khrrhwjr th mlvj tcj sjrvlijr f ihpy hd2

tcj lgsurfgij ph`liy eji`frftlhg pfmj1

tcj lgsurfgij ijrtldliftj1

tcj lgsurfgij ph`liy1 hr

htcjr slol`fr dhros hd wrlttjg ihgdlroftlhg hd lgsurfgij ihvjrfmj.;=;

F sjrvlijr ofy rjbjit jvlejgij hd cfzfre lgsurfgij ihvjrfmj sukolttje ky tcj khrrhwjr ld2

Ucj lgsurfgij ihopfgy hr fmjgt ehjs ght ihgdlro tcj lgdhroftlhg sukolttje ky tcj

khrrhwjr1 hr

Ucj tjros hd tcj lgsurfgij eh ght ihop`y wltc tcj lgsurfgij rjqulrjojgts lg tcj

khrrhwjr“s ihgtrfit.;=9

Ucjrj ls fg jxijptlhg th tcj mjgjrf` prhclkltlhg hg icfrmlgm dhr dhrij-p`fije lgsurfgij rjgjwf`

hr rjp`fijojgt kjdhrj tcj jge hd tcj 5:-efy ghtlij pjrlhe elsiussje fkhvj. Ld tcj sjrvlijr cfs

rjgjwje hr rjp`fije jxlstlgm dhrij-p`fije lgsurfgij fge rjijlvjs jvlejgij tcft tcj khrrhwjr

;=6 6; I.D.[. § 6>;5.9=(j)(6)(ll).

;=; 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt § 6>;5.9=(i)(6)(lll) ’ ;1 Ihoojgt § 6>;5.9=(j)(6) ’ 6.

;=9 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgts 9=(i)(6)(lll) ’ ; fge 9=(j)(6) ’ 6.



=> IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

`fiaje lgsurfgij ihvjrfmj dhr f pjrlhe hd tloj fdtjr tcj jxlstlgm dhrij-p`fije lgsurfgij jxplrje

(lgiùelgm eurlgm tcj 5: efy ghtlij pjrlhe), tcj sjrvlijr ofy mh fcjfe fge icfrmj tcj khrrhwjr

dhr tcj rjgjwf` hr rjp`fijojgt lgsurfgij dhr tcft pjrlhe hd tloj ‐prhopt`y‟ hg rjijlvlgm tcj

jvlejgij.;=5

Dhr jxfop`j, fssuoj tcj sjrvlijr sjges tcj rjgjwf` hr rjp`fijojgt ghtlij hg

Bfgufry ;, fge tcj jxlstlgm dhrij-p`fije lgsurfgij tcj sjrvlijr cfe puricfsje jxplrje ft6;2>6fo hg Bfgufry 6;, sh tcj sjrvlijr rjp`fijs tcft ph`liy wltc f gjw ph`liy. Hg Djkrufry :,

tcj sjrvlijr rjijlvjs jvlejgij tcft tcj khrrhwjr cfs cfe cfzfre lgsurfgij jddjitlvj hg`y slgij

6;2>6fo hg Bfgufry 96. Ucj sjrvlijr ofy mh fcjfe fge icfrmj tcj khrrhwjr fs jfr`y fs

Djkrufry : dhr dhrij-p`fije lgsurfgij ihvjrlgm tcj pjrlhe drho 6;2>6fo Bfgufry 6; th 6;2>6fo

Bfgufry 96.;=:

Ucj fohugt icfrmje cfs th kj ‐khgf dlej fge rjfshgfk`j‟.;=4

Khgf dlej fge rjfshgfk`j ojfgs lt cfs th kj ‐f icfrmj dhr f sjrvlij fituf``y pjrdhrojetcft kjfrs f rjfshgfk`j rj`ftlhgsclp th tcj sjrvlijr“s ihst hd prhvlelgm tcj sjrvlij, fge ls

ght htcjrwlsj prhclkltje ky fpp`lifk`j ̀ fw.‟ ;==

Ucj hg`y jxijptlhg th tcj khgf dlej fge rjfshgfk`j ru`j ls dhr icfrmjs ‐sukbjit th

Ytftj rjmu`ftlhg fs tcj kuslgjss hd lgsurfgij fge icfrmjs futchrlzje ky tcj

D`hhe Elsfstjr ^rhtjitlhg Fit hd 6<=9.‟ ;=3

Ld ght prhclkltje ky stftj hr htcjr fpp`lifk`j ̀ fw, tcj sjrvlijr ifg icfrmj dhr lgsurfgij

puricfsje ‐rjtrhfitlvj th tcj dlrst efy hd fgy pjrlhe hd tloj lg wclic tcj khrrhwjr ele ght cfvj

cfzfre lgsurfgij lg p`fij.‟;=<

;=5 6; I.D.[. § 6>;5.9=(j)(6)(lll).

;=: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(j)(6)(lll) ’ 6.

;=4 6; I.D.[. § 6>;5.9=(c)(6).

;== 6; I.D.[. § 6>;5.9=(c)(;).

;=3 6; I.D.[. § 6>;5.9=(c)(6).



=6 IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

9.9.4 Ifgij``lgm dhrij-p`fije lgsurfgij

]ltclg 6: efys hd tcj sjrvlijr rjijlvlgm jvlejgij drho tcj khrrhwjr hr htcjrwlsj (j.m., drho tcj

khrrhwjr“s lgsurfgij fmjgt) tcft tcj khrrhwjr cfs puricfsje tcj cfzfre lgsurfgij rjqulrje ky

tcj `hfg ihgtrfit, tcj sjrvlijr cfs th2;3>

Ifgij` tcj dhrij-p`fije lgsurfgij1

[jduge th tcj khrrhwjr fgy dhrij-p`fije lgsurfgij prjoluos hr rj`ftje djjs pfle ky

tcj khrrhwjr dhr fgy pjrlhe hd tloj ihvjrje ky khtc tcj khrrhwjr“s lgsurfgij fge tcj

sjrvlijr“s dhrij-p`fije lgsurfgij1

[johvj drho tcj khrrhwjr“s fiihugt f`` dhrij-p`fije lgsurfgij prjoluo icfrmjs

fge rj`ftje djjs tcft tcj sjrvlijr cfs fssjssje th tcj khrrhwjr dhr fgy pjrlhe hd tloj

ihvjrje ky khtc tcj khrrhwjr“s lgsurfgij fge tcj sjrvlijr“s dhrij-p`fije lgsurfgij.

;=< Yupp`jojgt L, Ihoojgt 9=(i)(6)(l) ’ 6.

;3> 6; I.D.[. § 6>;5.9=(m) fge 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9=(m)(;) ’ 6.



=; IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

5. Ucj jrrhr rjshùtlhg prhijss

5.6 Ytjp hgj ’]rlttjg ghtlij drho khrrhwjr

5.6.6 Ghtlij ihgtjgt

Ucj khrrhwjr, hr tcj khrrhwjr“s fmjgt,;36

cfs th sjge f wrlttjg ghtlij th tcj sjrvlijr tcft ehjs

tcj dh``hwlgm2

Fssjrts fg jrrhr

Lgiùejs tcj gfoj hd tcj khrrhwjr

Lgiùejs lgdhroftlhg tcft ‐jgfk`js th sjrvlijr th lejgtldy tcj khrrhwjr“s ohrtmfmj

`hfg fiihugt‟

Ejsirlkjs tcj jrrhr tcj khrrhwjr kj`ljvjs wfs ofej ky tcj sjrvlijr

Ls ght sukstfgtlf``y tcj sfoj fs f prlhr f``jmftlhg hd jrrhr th wclic tcj sjrvlijr

prhpjr`y rjsphgeje, ug`jss tcj khrrhwjr ls prhvlelgm gjw fge oftjrlf` lgdhroftlhg

wltc tcj ghtlij tcft ls rjfshgfk`y `laj`y th icfgmj tcj hutihoj;3;

;36 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(f) ’ 6.

;3; 6; I.D.[. § 6>;5.9:(m)(6)(l) fge Ihoojgt 9:(m)(6)(l) ’ 6.




Ls ght hvjrkrhfe ’ ojfglgm tcj sjrvlijr ifgght ‐rjfshgfk`y ejtjrolgj drho tcj

ghtlij hd jrrhr tcj spjildli jrrhr tcft tcj khrrhwjr fssjrts cfs hiiurrje‟ ;39

F ghtlij ofy kj hvjrkrhfe ld lt fssjrts jrrhrs rj`ftlgm th tcj irjeltlgm hd jvjry

pfyojgt fge jsirhw trfgsfitlhg, hr ld lt ihojs lg tcj dhro hd f elsihvjry rjqujst

hr htcjr pfrt hd f `fwsult tcft rjqulrjs tcft f`` pfrfmrfpcs kj fgswjrje, hr ld

tcjrj ls ‐vhùolghus tfgmjgtlf` elsiusslhg hr rjqujsts dhr lgdhroftlhg.‟;35

Ls sjgt wltclg hgj yjfr fdtjr tcj sjrvlijr trfgsdjrs tcj ohrtmfmj th f gjw sjrvlijr hr

khtc tcj ejkt fge f`` ihrrjsphgelgm `ljgs cfvj kjjg jxtlgmulscje hr rj`jfsje. ;3:

5.6.; ]cft ls fg jrrhr8

Ucj f``jmje jrrhr ifg kj fgy hd sjvjrf` spjildlje iftjmhrljs hd jrrhr hr fgy htcjr jrrhr rj`ftlgm thsjrvlilgm.

;34

Ucj dh``hwlgm jrrhrs frj spjildlif``y `lstje lg tcj rjmu`ftlhg2

sjrvlijr“s dflùrj th fiijpt f pfyojgt ofej fiihrelgm th tcj sjrvlijr“s wrlttjg

rjqulrjojgts;3=

sjrvlijr“s dflùrj th prhpjr`y fpp`y f pfyojgt;33

;39 6; I.D.[. § 6>;5.9:(m)(6)(ll).

;35 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(m)(6)(ll) ’ 6.

;3: 6; I.D.[. § 6>;5.9:(m)(6)(lll).

;34 6; I.D.[. § 6>;5.9:(k)(66).

;3= 6; I.D.[. § 6>;5.9:(k)(6).

;33 6; I.D.[. § 6>;5.9:(k)(;).




sjrvlijr“s dflùrj th irjelt f pfyojgt fs hd tcj efy lt wfs rjijlvje ld dfl`lgm th irjelt

tcj pfyojgt fs hd tcft eftj rjsu`ts lg f icfrmj th tcj khrrhwjr hr f gjmftlvj irjelt

rjphrt hg tcj khrrhwjr;3<

Ucj sjrvlijr oust irjelt f pfyojgt fs hd : efys fdtjr rjijlpt ld tcj khrrhwjr ele

ght dh``hw tcj sjrvlijr“s wrlttjg rjqulrjojgts dhr ofalgm f pfyojgt kut tcj

sjrvlijr fiijpts lt fgywfy. ;<>

sjrvlijr“s dflùrj th pfy tfxjs hr lgsurfgij prjoluos hr htcjr icfrmjs lg f tloj ̀y

ofggjr;<6

sjrvlijr“s dflùrj th rjduge ohgjy lg fg jsirhw fiihugt (hr irjelt lt th f gjw jsirhw

fiihugt ugejr ijrtflg ilriuostfgijs) wltclg ;> efys hd tcj khrrhwjr pfylgm hdd tcj

ohrtmfmj lg du`` ;<;

f djj lophsje ky tcj sjrvlijr wcjrj tcj sjrvlijr ele ght cfvj f ‐rjfshgfk`j kfsls‟ th

lophsj tcj djj;<9

Jxfop`js hd djjs wcjrj tcjrj ls gh rjfshgfk`j kfsls dhr tcj djj frj2 f `ftj djj

wcjg pfyojgt wfs ght `ftj, f icfrmj dhr f sjrvlij ght prhvleje, f prhpjrty

ofgfmjojgt djj dhr f khrrhwjr ght lg f ej`lgqujgiy stftus tcft whuè bustldy

tcj icfrmj, fge f icfrmj dhr dhrij-p`fije lgsurfgij tcft ls ght pjrolttje.;<5

;3< 6; I.D.[. § 6>;5.9:(k)(9)1 6; I.D.[. § 6>;4.94(i)(6).

;<> 6; I.D.[. § 6>;5.9:(k)(9)1 6; I.D.[. § 6>;4.94(i)(6)(lll).

;<6 6; I.D.[. § 6>;5.9:(k)(5)1 6; I.D.[. § 6>;5.95(f).

;<; 6; I.D.[. § 6>;5.9:(k)(5)1 6; I.D.[. § 6>;5.95(k)(6) fge (;).

;<9 6; I.D.[. § 6>;5.9:(k)(:).

;<5 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(k) ’ ;.



=: IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

sjrvlijr“s dflùrj th prhvlej tcj khrrhwjr wltc fg fiiurftj ohrtmfmj pfyhdd fohugt

wltclg sjvjg efys fdtjr tcj sjrvlijr rjijlvjs f wrlttjg rjqujst dhr hgj drho tcj

khrrhwjr ;<:

Ucj sjrvlijr cfs ̀ hgmjr th prhvlej tcls stftjojgt ld tcj khrrhwjr ls lg

kfgaruptiy hr dhrji`hsurj, ld tcj `hfg ls f rjvjrsj ohrtmfmj hr scfrje

fpprjilftlhg ohrtmfmj, hr ld tcjrj ls f gfturf` elsfstjr hr htcjr suic jojrmjgiy

sltuftlhg. ;<4

sjrvlijr“s dflùrj th prhvlej fiiurftj ̀ hss oltlmftlhg lgdhroftlhg th f ej`lgqujgt

khrrhwjr wcjg tcj sjrvlijr ls ofalgm lts jfr`y lgtjrvjgtlhg `lvj ihgtfit fge wrlttjg

ihgtfit wltc tcj ej`lgqujgt khrrhwjr;<=

sjrvlijr“s dflùrj th fiiurftj`y fge tloj`y trfgsdjr lgdhroftlhg fkhut sjrvlilgm tcj

khrrhwjr“s `hfg wcjg `hfg sjrvlilgm ls trfgsdjrrje th f gjw sjrvlijr;<3

sjrvlijr vlh`ftlgm tcj prhclkltlhgs hg dhrji`hsurj rjdjrrf` hr dhrji`hsurj sf`j

ihgtflgje lg tcj ID^K ̀ hss oltlmftlhg ru`js.;<<

Jrrhrs tcft frj ght sukbjit th ghtlij hd jrrhr rjqulrjojgts dhr fiaghw`jemojgt, lgvjstlmftlhg hr

rjsphgsj, hr ̀ lolts hg durglsclgm fevjrsj lgdhroftlhg th irjelt rjphrtlgm fmjgiljs, lgiùej

jrrhrs rj`ftlgm th `hfg hrlmlgftlhg, `hfg ugejrwrltlgm, sf`j hr sjiurltlzftlhg hd tcj `hfg, fge

ejilslhgs th sj``, fsslmg hr trfgsdjr sjrvlilgm hd tcj ̀ hfg.9>>

;<: 6; I.D.[. § 6>;5.9:(k)(4)1 6; I.D.[. § 6>;4.94(i)(9).

;<4 6; I.D.[. § 6>;5.9:(k)(4)1 6; I.D.[. § 6>;4.94(i)(9).

;<= 6; I.D.[. § 6>;5.9:(k)(=)1 6; I.D.[. § 6>;5.9<.

;<3 6; I.D.[. § 6>;5.9:(k)(3).

;<< 6; I.D.[. § 6>;5.9:(k)(<)-(6>)1 6; I.D.[. § 6>;5.56(d)(m) fge (c).

9>> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(k) ’ 6.




5.6.9 ]cft ihugts fs f wrlttjg ghtlij8

F ghtlij drho tcj khrrhwjr th tcj sjrvlijr hg f pfyojgt ihuphg hr htcjr pfyojgt dhro supp`lje

ky tcj sjrvlijr ehjs GHU cfvj th kj trjftje fs f wrlttjg jrrhr ghtlij. 9>6

F Vuf`ldlje ]rlttjg [jqujst drho tcj khrrhwjr th tcj sjrvlijr tcft fssjrts tcjrj wfs fg jrrhr

EHJY ihugt fs f wrlttjg jrrhr ghtlij. 9>;

F Vuf`ldlje ]rlttjg [jqujst (V][) ls wrlttjg ihrrjsphgejgij tcft f khrrhwjr sjges th

tcj sjrvlijr tcft lgiùejs, hr jgfk`js tcj sjrvlijr th lejgtldy, tcj gfoj fge fiihugt hd tcj

khrrhwjr fge jltcjr stftjs tcj rjfshgs tcj khrrhwjr kj`ljvjs tcjrj ls fg jrrhr hr prhvlejs

jghumc ejtfl` th tcj sjrvlijr rjmfrelgm tcj lgdhroftlhg tcj khrrhwjr ls fsalgm dhr

rj`ftlgm th tcj sjrvlilgm hd tcj `hfg.9>9

F sukolsslhg drho tcj khrrhwjr ofy kj f ghtlij hd jrrhr jvjg ld tcj khrrhwjr if``s lt shojtclgm

j`sj. Ucj sjrvlijr oust ejtjrolgj ld tcj sukolsslhg ls f ghtlij hd jrrhr kfsje hg tcj ihgtjgt hd

tcj sukolsslhg.9>5

5.6.5 ]cjrj schuè tcj khrrhwjr sjge tcj wrlttjg ghtlij8

Ld tcj sjrvlijr mfvj tcj khrrhwjr f wrlttjg ghtlij wltc fg feerjss tcft tcj khrrhwjr OZYU usj

wcjg sjgelgm tcj sjrvlijr tcj khrrhwjr“s wrlttjg ghtlij hd jrrhr, tcj khrrhwjr oust usj tcft

feerjss.9>:

9>6 6; I.D.[. § 6>;5.9:(f).

9>; 6; I.D.[. § 6>;5.9:(f).

9>9 6; I.D.[. § 6>;5.96.

9>5 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(f) ’ ;.

9>: 6; I.D.[. § 6>;5.9:(i).



== IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Ucj ghtlij wltc tcj feerjss oust kj i`jfr fge ihgspliuhus.9>4

Ucj ghtlij IFG kj lgiùeje wltc htcjr ghtlijs, suic fs f ghtlij hd trfgsdjrrlgm

sjrvlilgm. 9>=

Ucj feerjss OZYU kj prhvleje lg fgy pjrlheli stftjojgt hr ihuphg khha`jt tcft tcj

sjrvlijr cfs th mlvj th tcj khrrhwjr. 9>3

Ucj feerjss oust kj phstje hg tcj sjrvlijr“s wjksltj.9><

Ucj feerjss oust kj lgiùeje lg fgy ghtlijs rjqulrje ugejr tcj jfr`y lgtjrvjgtlhg

ru`js (6; I.D.[. 6>;5.9<) fge tcj `hss oltlmftlhg ru`js (6; I.D.[. 6>;5.56) tcft

ihgtflg ihgtfit lgdhroftlhg dhr tcj sjrvlijr.96>

Ld tcj sjrvlijr ejslmgftjs ohrj tcfg hgj feerjss, f khrrhwjr ofy lgltlftj f ghtlij hd jrrhr

prhijss ky sjgelgm f ghtlij hd jrrhr th fgy hd tcj ejslmgftje feerjssjs, jvjg ld tcj hgj th wclic

tcj khrrhwjr sjges tcj ghtlij hd jrrhr ls ght tcj hgj tcj sjrvlijr lgtjgeje tcj khrrhwjr th

usj.966

Ld tcj sjrvlijr ehjs ght ejslmgftj fg feerjss tcj khrrhwjr ofy sjge tcj ghtlij hd jrrhr th fgy

hddlij hd tcj sjrvlijr fge tcj sjrvlijr cfs th rjsphge.96;

9>46; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(i) ’ ;.

9>= 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(i) ’ ;.

9>3 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(i) ’ ;(ll)1 6; I.D.[. § 6>;4.56.

9>< 6; I.D.[. § 6>;5.9:(i) fge Ihoojgt 9:(i) ’ ;(lll).

96> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(i) ’ ;(lv).

966 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(i) ’ 9.

96; 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(i) ’ 6.




Ld tcj sjrvlijr ejslmgftjs f spjildli feerjss dhr ghtlijs hd jrrhr, tcj feerjss cfs th kj tcj sfoj

hgj tcj sjrvlijr cfs thè tcj khrrhwjr th usj th rjqujst lgdhroftlhg drho tcj sjrvlijr.969

F sjrvlijr ifg f`sh ejslmgftj fg hg l̀gj lgtfaj prhijss, kut tcls oust kj lg feeltlhg th fge ght lg

`lju hd tcj prhijss dhr rjijlvlgm ghtlijs ky ofl`.965

F sjrvlijr cfs th mlvj wrlttjg ghtlij th tcj khrrhwjr kjdhrj lt icfgmjs tcj feerjss lt sfys tcj

khrrhwjr oust usj dhr ghtlijs hd jrrhr.96:

5.; Ytjp twh ’ Ucj sjrvlijr fiaghw`jemjsrjijlpt hd tcj ghtlij hd jrrhr

Ucj sjrvlijr cfs th sjge tcj khrrhwjr f wrlttjg fiaghw`jemjojgt sfylgm tcft tcj sjrvlijr

rjijlvje tcj ghtlij hd jrrhr drho tcj khrrhwjr.964

Ucls wrlttjg fiaghw`jemjojgt cfs th kj prhvleje th tcj khrrhwjr wltclg dlvj efys hd tcj

sjrvlijr rjijlvlgm tcj ghtlij hd jrrhr, jxiùelgm ̀ jmf` puk`li ch`lefys, Yfturefys fge Yugefys. 96=

Ld tcj sjrvlijr cfs ejtjrolgje tcft lt ehjs ght cfvj th rjsphge th tcj ghtlij hd jrrhr kjifusj tcj

ghtlij ls sukstfgtlf``y tcj sfoj fs f prlhr f``jmftlhg hd jrrhr th wclic tcj sjrvlijr prhpjr`y

rjsphgeje, 963

ls hvjrkrhfe,96<

hr wfs sjgt ohrj tcfg hgj yjfr fdtjr tcj sjrvlijr trfgsdjrrje tcj

969 6; I.D.[. § 6>;5.9:(i)1 6; I.D.[. § 6>;5.94(k).

965 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(i) ’ 5.

96: 6; I.D.[. § 6>;5.9:(i).

964 6; I.D.[. § 6>;5.9:(e).

96= 6; I.D.[. § 6>;5.9:(e).

963 6; I.D.[. § 6>;5.9:(m)(6)(l).

96< 6; I.D.[. § 6>;5.9:(m)(6)(ll).



=< IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

ohrtmfmj th f gjw sjrvlijr hr khtc tcj ejkt fge f`` ihrrjsphgelgm `ljgs cfvj kjjg jxtlgmulscje

hr rj`jfsje,9;>

tcj sjrvlijr oust lgstjfe sjge f wrlttjg ghtlij th tcj khrrhwjr sfylgm lt cfs

ejtjrolgje tcft lt ehjs ght cfvj th rjvljw tcj ghtlij hd jrrhr fge mlvlgm tcj rjfshg wcy tcj

sjrvlijr ehjs ght tclga lt cfs th rjvljw tcj ghtlij hd jrrhr.9;6

Ucls ghtlij oust kj prhvleje ght ̀ ftjr tcfg dlvj efys fdtjr tcj sjrvlijr cfs ejtjrolgje

tcft lt ehjs ght cfvj th rjvljw tcj ghtlij hd jrrhr, jxiùelgm `jmf` puk`li ch`lefys,

Yfturefys fge Yugefys. 9;;

5.9 Ytjp tcrjj ’ Ucj sjrvlijr lgvjstlmftjstcj ghtlij hd jrrhr fge rjsphges th tcjghtlij hd jrrhr

5.9.6 Lgvjstlmftlhg

Ucj sjrvlijr oust ihrrjit tcj jrrhr hr ihgeuit f rjfshgfk`j lgvjstlmftlhg.9;9

Ucj sjrvlijr ifg fsa tcj khrrhwjr dhr ehiuojgtftlhg tcft supphrts tcj khrrhwjr“s jrrhr

f``jmftlhg.9;5

Ucj sjrvlijr ifgght rjqulrj tcj khrrhwjr th prhvlej lgdhroftlhg fs f ihgeltlhg th lgvjstlmftlgm

tcj jrrhr. 9;:

9;> 6; I.D.[. § 6>;5.9:(m)(6)(lll).

9;6 6; I.D.[. § 6>;5.9:(m)(;).

9;; 6; I.D.[. § 6>;5.9:(m)(;).

9;9 6; I.D.[. § 6>;5.9:(j)(6).

9;5 6; I.D.[. § 6>;5.9:(j)(;).




Ucj sjrvlijr ifgght rjqulrj tcj khrrhwjr th pfy f djj hr ofaj fgy pfyojgt tcft ofy kj hwje hg

tcj fiihugt fs f ihgeltlhg th lgvjstlmftlgm tcj jrrhr. 9;4

Kut tcj khrrhwjr ls stl`` hk`lmftje th

ofaj fgy sicjeu`je pfyojgts.9;=

Ld tcj sjrvlijr fsas tcj khrrhwjr th prhvlej ehiuojgtftlhg hr lgdhroftlhg kfialgm up tcjf``jmje jrrhr, fge tcj khrrhwjr ehjs ght prhvlej tcft lgdhroftlhg hr ehiuojgtftlhg, tcj

sjrvlijr oust stl`` ihgeuit f rjfshgfk`j lgvjstlmftlhg kjdhrj ihgiùelgm tcjrj wfs gh sjrvlijr

jrrhr, fge ifgght ihgiùej tcft gh sjrvlijr jrrhr hiiurrje slop`y kjifusj tcj khrrhwjr ele ght

rjsphge th tcj sjrvlijr“s rjqujst dhr lgdhroftlhg hr ehiuojgtftlhg. 9;3

5.9.; [jsphgsj

Ld tcj sjrvlijr ihgiùejs tcj jrrhr wfs ofej tcj sjrvlijr cfs th29;<

Ihrrjit tcj jrrhr

^rhvlej tcj khrrhwjr wltc f wrlttjg ghtlij hd tcj ihrrjitlhg tcft mlvjs tcj2

Jddjitlvj eftj hd tcj ihrrjitlhg fge

Ihgtfit lgdhroftlhg lgiùelgm f tj`jpchgj guokjr, lg ifsj tcj khrrhwjr gjjes

durtcjr fsslstfgij.

Ld tcj sjrvlijr ihgiùejs tcft f elddjrjgt hr feeltlhgf` jrrhr wfs ofej, tcj sjrvlij cfs th199>

Ihrrjit tcj jrrhr

^rhvlej tcj khrrhwjr wltc f wrlttjg ghtlij hd tcj ihrrjitlhg tcft

9;: 6; I.D.[. § 6>;5.9:(j)(;)(l).

9;4 6; I.D.[. § 6>;5.9:(c).

9;= 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(c) ’ 6.

9;3 6; I.D.[. § 6>;5.9:(j)(;)(ll).

9;< 6; I.D.[. § 6>;5.9:(j)(6)(l)(F).

99> 6; I.D.[. § 6>;5.9:(j)(6)(ll).




Ejsirlkjs tcj jrrhr

Lejgtldljs tcj fitlhg tfajg th ihrrjit tcj jrrhr

mlvjs tcj jddjitlvj eftj hd tcj ihrrjitlhg fge

mlvjs tcj khrrhwjr ihgtfit lgdhroftlhg lgiùelgm f tj`jpchgj guokjr, lg ifsj

tcj khrrhwjr gjjes durtcjr fsslstfgij.

Ld tcj sjrvlijr ihgiùejs tcj jrrhr wfs GHU ofej tcj sjrvlijr cfs th2996

Cfvj ihgeuitje f rjfshgfk`j lgvjstlmftlhg

^rhvlej tcj khrrhwjr wltc f wrlttjg ghtlij tcft2

Uj``s tcj khrrhwjr tcft tcj sjrvlijr cfs ejtjrolgje tcft gh jrrhr hiiurrje

Mlvjs tcj rjfshg hr rjfshgs dhr dlgelgm tcft gh jrrhr hiiurrje

Uj``s tcj khrrhwjr tcft tcj khrrhwjr cfs tcj rlmct th rjqujst ehiuojgtftlhg tcft

tcj sjrvlijr rj`lje hg lg ejtjrolglgm tcft gh jrrhr hiiurrje

Uj``s tcj khrrhwjr chw tcj khrrhwjr ifg rjqujst tcft ehiuojgtftlhg

Mlvjs tcj khrrhwjr ihgtfit lgdhroftlhg dhr tcj sjrvlijr, lgiùelgm f tj`jpchgj

guokjr, lg ifsj tcj khrrhwjr gjjes durtcjr fsslstfgij

^rhvlej tcj khrrhwjr, hg tcj khrrhwjr“s rjqujst, wltc ihpljs hd ehiuojgts fge

lgdhroftlhg rj`lje hg lg ejilelgm tcjrj wfs gh jrrhr.99;

Ucls ofy lgiùej lgdhroftlhg jgtjrje lgth tcj sjrvlijr“s ih``jitlhg systjo, suic

fs f sirjjg scht hd tcj fiihugt schwlgm fohugts irjeltje, jti.999

Ucls oust kj prhvleje ft gh icfrmj. 995

Ucls oust kj prhvleje wltclg 6: efys fdtjr tcj khrrhwjr rjqujsts lt, jxiùelgm

puk`li ch`lefys, Yfturefys fge Yugefys. 99:

996 6; I.D.[. § 6>;5.9:(j)(6)(l)(K).

99; 6; I.D.[. § 6>;5.9:(j)(5).

999 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 9:(j)(5) ’ 6.

995 6; I.D.[. § 6>;5.9:(j)(5).




Ehiuojgts tcft tcj sjrvlijr ejtjrolgjs frj ihgdlejgtlf`, prhprljtfry hr

prlvl`jmje lgdhroftlhg ifg kj wltccjè drho tcj khrrhwjr, kut tcj sjrvlijr cfs

th `jt tcj khrrhwjr aghw lt cfs ejileje th wltcchè tcj ehiuojgts lg wrltlgm

wltclg 6: efys fdtjr tcj khrrhwjr rjqujsts tcj ehiuojgts, jxiùelgm puk l̀i

ch`lefys, Yfturefys fge Yugefys. 994

5.9.9 Ulolgm

Chw qulia`y tcj sjrvlijr oust lgvjstlmftj fge rjsphge th tcj ghtlij hd jrrhr ejpjges hg wcft

alge hd jrrhr ls f``jmje ky tcj khrrhwjr. Cjrj frj tcj vfrlhus rjqulrjojgts.

F``jmje jrrhr

Dflùrj th prhvlej fg fiiurftj pfyhdd kf`fgij

[jqulrje tloj th rjsphge

Ght `ftjr tcfg = efys fdtjr tcj ghtlij hd jrrhr ls rjijlvje jxiùelgm `jmf` puk l̀i ch`lefys,

Yfturefys fge Yugefys99=

F``jmje jrrhr

Lgltlftlgm fg loprhpjr dhrji`hsurj hr loprhpjr`y dl`lgm dhr f dhrji`hsurj buemojgt hr sf`j.


Kjdhrj tcj dhrji`hsurj sf`j hr wltclg 9> efys fdtjr tcj ghtlij hd jrrhr ls rjijlvje jxiùelgm `jmf`

puk`li ch`lefys, Yfturefys fge Yugefys, wclicjvjr ls jfr`ljr. 993

99: 6; I.D.[. § 6>;5.9:(j)(5).

994 6; I.D.[. § 6>;5.9:(j)(5).

99= 6; I.D.[. § 6>;5.9:(j)(9)(l)(F)1 6; I.D.[. § 6>;5.9:(k)(4).

993 6; I.D.[. § 6>;5.9:(j)(9)(l)(K)1 6; I.D.[. §§ 6>;5.9:(k)(<) & (6>)1 6; I.D.[. §§ 6>;5.56(d), (m) fge (c).






wrltlgm tcft lt cfs ihrrjitje tcj jrrhr wltclg dlvj efys hd tcj sjrvlijr rjijlvlgm tcj ghtlij hd

jrrhr, jxiùelgm ̀ jmf` puk`li ch`lefys, Yfturefys fge Yugefys.959

Ucj sjrvlijr ehjs ght cfvj th fiaghw`jemj rjijlpt hd tcj ghtlij hd jrrhr hr rjsphge th tcj ghtlij

hd jrrhr ld tcj jrrhr tcft ls fssjrtje rj`ftjs th tcj sjrvlijr lgltlftlgm f dhrji`hsurj hr dl`lgm dhr f

dhrji`hsurj buemojgt hr hrejr hd sf`j lg vlh`ftlhg hd 6; I.D.[. 6>;5.56(d), (m) fge (b) FGE tcj

ghtlij hd jrrhr ls rjijlvje = hr djwjr efys kjdhrj f dhrji`hsurj sf`j.955

Lg tcls ifsj tcj sjrvlijr ls stl`` rjqulrje th ofaj f mhhe dfltc fttjopt th rjsphge th tcj

khrrhwjr“s ghtlij (hrf`̀ y hr lg wrltlgm) fge jltcjr ihrrjit tcj jrrhr hr tj`̀ tcj khrrhwjr

tcj rjfshg tcft lt kj`ljvjs gh jrrhr hiiurrje.95:

5.5 Lgtjrsjitlhg hd tcj jrrhr rjshùtlhg ru`jsfge htcjr `fws

Hgij tcj sjrvlijr rjijlvjs f ghtlij hd jrrhr lt ifgght durglsc fevjrsj lgdhroftlhg fkhut fgy

pfyojgt tcft ls tcj sukbjit hd tcj ghtlij hd jrrhr th f irjelt rjphrtlgm fmjgiy dhr 4> efys.954

F sjrvlijr wch cfs rjijlvje f ghtlij hd jrrhr ifg stl`` pursuj rjojeljs lt cfs ugejr tcj `fw,

lgiùelgm lgltlftlgm f dhrji`hsurj prhijjelgm hr ohvlgm dhrwfre wltc f dhrji`hsurj sf`j, jxijpt ld

tcj ghtlij hd jrrhr f``jmjs tcft f sjrvlijr lgltlftje f dhrji`hsurj hr dl`je dhr f dhrji`hsurj

buemojgt hr hrejr hd sf`j lg vlh`ftlhg hd 6; I.D.[. 6>;5.56(d), (m) hr (b).95=

959 6; I.D.[. § 6>;5.9:(d)(6).

955 6; I.D.[. § 6>;5.9:(d)(;)1 6; I.D.[. § 6>;5.9:(k)(<)-(6>)1 6; I.D.[. § 6>;5.56(d)-(c).

95: 6; I.D.[. § 6>;5.9:(d)(;)1 6; I.D.[. § 6>;5.9:(k)(<)-(6>)1 6; I.D.[. § 6>;5.56(d)-(c).

954 6; I.D.[. § 6>;5.9:(l)(6).

95= 6; I.D.[. § 6>;5.9:(l)(;)1 sjjYjj 6; I.D.[. § 6>;5.9:(k)(<)-(6>)1 6; I.D.[. §§ 6>;5.56(d)-(c).




Jvjg ld f sjrvlijr ls f ejkt ih``jithr wltc rjspjit th f khrrhwjr fge tcj khrrhwjr cfs sjgt f ijfsj

ihoougliftlhg wrltlgm ugejr tcj DEI^F, tcj sjrvlijr oust ihop`y wltc tcj jrrhr rjshùtlhg

ru`js lg 6>;5.9: ug`jss tcj khrrhwjr spjildlif``y wltcerfws tcj khrrhwjr“s jrrhr ghtlij.953

953 ID^K ku``jtlg ;>69-6; ft 4, fvfl`fk`j ft cttp2//dl`js.ihgsuojrdlgfgij.mhv/d/;>696>XidpkXohrtmfmj-











:. [jqujsts dhr lgdhroftlhg

:.6 Ytjp hgj2 ]rlttjg rjqujst dhrlgdhroftlhg drho khrrhwjr

:.6.6 [jqujst ihgtjgt

Ucj khrrhwjr, hr tcj khrrhwjr“s fmjgt,95<

cfs th sjge f wrlttjg rjqujst dhr lgdhroftlhg th tcj

sjrvlijr tcft29:>

Lgiùejs tcj gfoj hd tcj khrrhwjr

Lgiùejs lgdhroftlhg tcft ‐jgfk`js th sjrvlijr th lejgtldy tcj khrrhwjr“s ohrtmfmj `hfg

fiihugt.‟

Ytftjs tcj lgdhroftlhg tcj khrrhwjr ls rjqujstlgm drho tcj sjrvlijr.

Ucj sjrvlijr wl`` ght cfvj th rjsphge th tcj rjqujst lg tcj dh``hwlgm ifsjs2

Ld tcj rjqujst ls sukstfgtlf``y tcj sfoj fs f prlhr rjqujst dhr lgdhroftlhg th wclic tcj

sjrvlijr prhpjr`y rjsphgeje, ug`jss tcj lgdhroftlhg rjqujstje ls hd tcj typj tcft ifg

icfgmj hvjr tloj fge tcj rjqujst ihvjrs f elddjrjgt tloj pjrlhe tcfg tcj jfr`ljr

rjqujst.9:6

95< 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(f) ’ 6.

9:> 6; I.D.[. § 6>;5.94(f).

9:6 6; I.D.[. § 6>;5.94(d)(6)(l) fge Ihoojgt 94(d)(6)(l) ’ 6.




Ld tcj rjqujst fsas dhr lgdhroftlhg tcft ls ihgdlejgtlf`, prhprljtfry hr prlvl`jmje. 9:;

Jxfop`js hd tcls typj hd lgdhroftlhg lgiùej lgdhroftlhg fkhut tcj sjrvlijr“s

ofgfmjojgt, prhdltfkl`lty hr lgdhroftlhg prhvleje th lgvjsthrs1 lgdhroftlhg

fkhut sjrvlijr pjrshggj`, lgiùelgm ihopjgsftlhg, khgusjs hr pjrshggj`

fitlhgs1 rjihres rj`ftlgm th jxfolgftlhg rjphrts, ihop`lfgij fuelts, khrrhwjr

ihop`flgts fge lgtjrgf` hr jxtjrgf` lgvjstlmftlhgs1 fge lgdhroftlhg prhtjitje ky

tcj ftthrgjy/i`ljgt prlvl`jmj.9:9

Ld tcj rjqujst fsas dhr lrrj`jvfgt lgdhroftlhg.9:5

Lgdhroftlhg ls lrrj`jvfgt ld lt ehjs ght elrjit`y rj`ftj th tcj khrrhwjr“s `hfg

fiihugt. Jxfop`js hd lrrj`jvfgt lgdhroftlhg lgiùej lgdhroftlhg rj`ftje th tcj

sjrvlilgm hd htcjr khrrhwjrs“ ̀ hfgs(lgiùelgm lgdhroftlhg rjphrtje th f

ohrtmfmj hwgjr fkhut lgelvleuf` hr fmmrjmftj `hfgs kjlgm sjrvlije), trflglgm

prhmrfos dhr sjrvlijr pjrshggj`, sjrvlilgm prhmrfo mulejs, fge lgvjsthr

lgstruitlhgs th tcj sjrvlijr rjmfrelgm irltjrlf dhr ̀ hss oltlmftlhg prhmrfos.9::

Ld tcj rjqujst ls hvjrkrhfe hr ugeu`y kurejgshoj.9:4

Fg hvjrkrhfe rjqujst fsas dhr fg ugrjfshgfk`j vhùoj hd ehiuojgts hr

lgdhroftlhg. 9:=

Fg ugeu`y kurejgshoj rjqujst ls hgj th wclic tcj sjrvlijr ihuè ght rjsphge wltchut jxijjelgm tcj tloj ̀ lolts sjt dhr rjsphgelgm th f rjqujst dhr

9:; 6; I.D.[. § 6>;5.94(d)(6)(ll) fge Ihoojgt 94(d)(6)(ll) ’ 6.

9:9 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(d)(6)(ll) ’ 6(l)-(lv).

9:5 6; I.D.[. § 6>;5.94(d)(6)(lll).

9:: 6; I.D.[. § 6>;5.94(d)(6)(lll) fge Ihoojgt 94(d)(6)(lll) ’ 6(l)-(lv).

9:4 6; I.D.[. § 6>;5.94(d)(6)(lv).

9:= 6; I.D.[. § 6>;5.94(d)(6)(lv).




lgdhroftlhg, 9:3

hr wltchut lgiurrlgm ugrjfshgfk`j ihsts hr ejeliftlgm

ugrjfshgfk`j rjshurijs lg `lmct hd tcj ilriuostfgijs.9:<

Jxfop`js hd ugeu`y kurejgshoj hr krhfe rjqujsts lgiùej2

rjqujsts tcft rj`ftj th sukstfgtlf``y f`` fspjits hd hrlmlgftlhg, sjrvlilgm, sf`j,

sjiurltlzftlhg fge dhrji`hsurj, suic fs rjqujsts dhr f`` tcj ehiuojgts lg tcj

ohrtmfmj ̀ hfg dl`j, f`` rjihreje ohrtmfmj lgstruojgts, jti.94>

rjqujsts tcft frj ght rjfshgfk`y ugejrstfgefk`j946

rjqujsts tcft fiihopfgy ‐vhùolghus tfgmjgtlf` elsiusslhg hr fssjrtlhgs hd

jrrhrs‟ 94;

rjqujsts tcft tcj sjrvlijr prhvlej lgdhroftlhg lg f spjildli dhroft wcjg tcj

sjrvlijr ehjsg“t hrelgfrl`y sthrj tcft lgdhroftlhg lg tcft dhroft949

rjqujsts tcft frj ‐ght rjfshgfk`y ̀ laj`y th fsslst f khrrhwjr wltc tcj khrrhwjr“s

fiihugt‟945

Jxfop`js hd tcls lgiùej f rjqujst dhr f ihpy hd tcj drhgt fge kfia hd f``

pfyojgt lgstruojgts schwlgm pfyojgts ky tcj khrrhwjr, hr pfyojgts ky

tcj sjrvlijr th tcj ohrtmfmj hwgjr. 94:

Ucj sjrvlijr ehjs cfvj th rjsphge th f rjqujst tcft ls hvjr`y krhfe hr

kurejgshoj ld tcj sjrvlijr ifg ‐rjfshgfk`y lejgtldy f vf l̀e lgdhroftlhg rjqujst‟

lg tcj sukolsslhg ky tcj khrrhwjr.944

9:3 Yjj 6; I.D.[. § 6>;5.94(e).

9:< 6; I.D.[. § 6>;5.94(d)(6)(lv).

94> 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(d)(6)(lv) ’ 6(l).

946 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(d)(6)(lv) ’ 6(ll).

94; 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(d)(6)(lv) ’ 6(ll).

949 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(d)(6)(lv) ’ 6(lll).

945 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(d)(6)(lv) ’ 6(lv).

94: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(d)(6)(lv) ’ 6(lv).




Ld tcj rjqujst ls sjgt ohrj tcfg hgj yjfr fdtjr tcj sjrvlijr trfgsdjrs tcj ohrtmfmj th f

gjw sjrvlijr hr khtc tcj ejkt fge f`` ihrrjsphgelgm `ljgs cfvj kjjg jxtlgmulscje hr

rj`jfsje.94=

:.6.; ]cft ihugts fs f rjqujst dhr lgdhroftlhg8

F rjqujst dhr lgdhroftlhg drho tcj khrrhwjr th tcj sjrvlijr hg f pfyojgt ihuphg hr htcjr

pfyojgt dhro supp`lje ky tcj sjrvlijr ehjs GHU cfvj th kj trjftje fs f rjqujst dhr lgdhroftlhg.

943

F rjqujst drho tcj khrrhwjr dhr f pfyhdd kf`fgij ehjs ght cfvj th kj trjftje fs f rjqujst dhr

lgdhroftlhg. 94<

F Vuf`ldlje ]rlttjg [jqujst drho tcj khrrhwjr th tcj sjrvlijr tcft rjqujsts lgdhroftlhg EHJY

ihugt fs fg lgdhroftlhg rjqujst. 9=>

F Vuf`ldlje ]rlttjg [jqujst (V][) ls wrlttjg ihrrjsphgejgij tcft f khrrhwjr sjges th

tcj sjrvlijr tcft lgiùejs, hr jgfk`js tcj sjrvlijr th lejgtldy, tcj gfoj fge fiihugt hd tcj

khrrhwjr fge jltcjr stftjs tcj rjfshgs tcj khrrhwjr kj`ljvjs tcjrj ls fg jrrhr hr prhvlejs

jghumc ejtfl` th tcj sjrvlijr rjmfrelgm tcj lgdhroftlhg tcj khrrhwjr ls fsalgm dhr

rj`ftlgm th tcj sjrvlilgm hd tcj `hfg.9=6

944 6; I.D.[. § 6>;5.94(d)(6)(lv).

94= 6; I.D.[. § 6>;5.94(d)(6)(v).

943 6; I.D.[. § 6>;5.94(f).

94< 6; I.D.[. § 6>;5.94(f).

9=> 6; I.D.[. § 6>;5.94(f).

9=6 6; I.D.[. § 6>;4.96.



<> IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

:.6.9 ]cjrj schuè tcj khrrhwjr sjge tcj wrlttjg ghtlij8

Ld tcj sjrvlijr mfvj tcj khrrhwjr f wrlttjg ghtlij wltc fg feerjss tcft tcj khrrhwjr OZYU usj

wcjg sjgelgm fg lgdhroftlhg rjqujst, tcj khrrhwjr oust usj tcft feerjss.9=;

Ucj ghtlij wltc tcj feerjss oust kj i`jfr fge ihgspliuhus.9=9

Ucj ghtlij IFG kj lgiùeje wltc htcjr ghtlijs, suic fs f ghtlij hd trfgsdjrrlgm

sjrvlilgm.9=5

Ucj feerjss OZYU kj prhvleje lg fgy pjrlheli stftjojgt hr ihuphg khha`jt tcft tcj

sjrvlijr cfs th mlvj th tcj khrrhwjr. 9=:

Ucj feerjss oust kj phstje hg tcj sjrvlijr“s wjksltj.9=4

Ucj feerjss oust kj lgiùeje lg fgy ghtlijs rjqulrje ugejr tcj jfr`y lgtjrvjgtlhg ru`js

(6; I.D.[. 6>;5.9<) fge tcj `hss oltlmftlhg ru`js (6; I.D.[. 6>;5.56) tcft ihgtflg ihgtfit

lgdhroftlhg dhr tcj sjrvlijr.9==

Ld tcj sjrvlijr ejslmgftjs ohrj tcfg hgj feerjss, f khrrhwjr ifg lgltlftj fg lgdhroftlhg rjqujst

prhijss ky sjgelgm f rjqujst dhr lgdhroftlhg th fgy hd tcj ejslmgftje feerjssjs, jvjg ld tcj hgj

th wclic tcj khrrhwjr sjges tcj rjqujst ls ght tcj hgj tcj sjrvlijr lgtjgeje tcj khrrhwjr th

usj.9=3

9=; 6; I.D.[. § 6>;5.94(k).

9=9 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(k) ’ ;.

9=5 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(k) ’ ;.

9=: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(k) ’ ;(ll)1 6; I.D.[. § 6>;4.56.

9=4 6; I.D.[. § 6>;5.94(k) fge Ihoojgt 94(k) ’ ;(lll).

9== 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(k) ’ ;(lv).

9=3 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(k) ’ 9.



<6 IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Ld tcj sjrvlijr ehjs ght ejslmgftj fg feerjss tcj khrrhwjr ifg sjge tcj rjqujst dhr lgdhroftlhg

th fgy hddlij hd tcj sjrvlijr fge tcj sjrvlijr cfs th rjsphge.9=<

Ld tcj sjrvlijr ejslmgftjs f spjildli feerjss dhr lgdhroftlhg rjqujsts, tcj feerjss cfs th kj tcj

sfoj hgj tcj sjrvlijr cfs thè tcj khrrhwjr th usj th sjge f ghtlij hd jrrhr.93>

F sjrvlijr ifg f`sh ejslmgftj fg hg l̀gj lgtfaj prhijss, kut tcls oust kj lg feeltlhg th fge ght lg

`lju hd tcj prhijss dhr rjijlvlgm ghtlijs ky ofl`.936

F sjrvlijr cfs th mlvj wrlttjg ghtlij th tcj khrrhwjr kjdhrj lt icfgmjs tcj feerjss lt sfys tcj

khrrhwjr oust usj dhr lgdhroftlhg rjqujsts.93;

:.; Ytjp twh2 Ucj sjrvlijr fiaghw`jemjsrjijlpt hd tcj rjqujst dhr lgdhroftlhg

:.;.6 [jqulrjojgts

Ucj sjrvlijr cfs th sjge tcj khrrhwjr f wrlttjg fiaghw`jemjojgt sfylgm tcft tcj sjrvlijr

rjijlvje tcj rjqujst dhr lgdhroftlhg drho tcj khrrhwjr.939

Ucls wrlttjg fiaghw`jemjojgt cfs th kj prhvleje th tcj khrrhwjr wltclg dlvj efys hd tcj

sjrvlijr rjijlvlgm tcj lgdhroftlhg rjqujst, jxiùelgm ̀ jmf` puk`li ch`lefys, Yfturefys fge

Yugefys. 935

9=< 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(k) ’ 6.

93> 6; I.D.[. § 6>;5.94(k)1 6; I.D.[. § 6>;5.9:(i).

936 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(k) ’ 5.

93; 6; I.D.[. § 6>;5.94(k).

939 6; I.D.[. § 6>;5.94(i).



<; IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

Ld tcj sjrvlijr cfs ejtjrolgje tcft lt ehjs ght cfvj th rjsphge th tcj rjqujst dhr lgdhroftlhg

kjifusj tcj rjqujst fsas dhr eup`liftlvj lgdhroftlhg, fsas dhr ihgdlejgtlf`, prhprljtfry hr

prlvl`jmje lgdhroftlhg, fsas dhr lrrj`jvfgt lgdhroftlhg, ls hvjrkrhfe hr ugeu`y kurejgshoj hr ls

ugtloj`y,93:

tcj sjrvlijr oust lgstjfe sjge f wrlttjg ghtlij th tcj khrrhwjr sfylgm lt cfs

ejtjrolgje tcft lt ehjs ght cfvj th rjsphge th tcj rjqujst dhr lgdhroftlhg fge mlvlgm tcj rjfshg wcy tcj sjrvlijr ehjs ght tclga lt cfs th rjsphge th tcj rjqujst dhr lgdhroftlhg.

934

Ucls ghtlij oust kj prhvleje ght `ftjr tcfg dlvj efys fdtjr tcj sjrvlijr cfs ejtjrolgje tcft lt

ehjs ght cfvj th rjsphge, jxiùelgm ̀ jmf` puk`li ch`lefys, Yfturefys fge Yugefys.93=

:.;.; Jxijptlhgs

Ucj sjrvlijr ehjs ght cfvj th fiaghw`jemj rjijlpt hd tcj lgdhroftlhg rjqujst ld tcj sjrvlijr

prhvlejs tcj khrrhwjr wltc tcj lgdhroftlhg rjqujstje fge tcj sjrvlijr“s ihgtfit lgdhroftlhg,lgiùelgm f tj`jpchgj guokjr, wltclg dlvj efys hd tcj sjrvlijr rjijlvlgm tcj rjqujst dhr

lgdhroftlhg, jxiùelgm ̀ jmf` puk`li ch`lefys, Yfturefys fge Yugefys.933

935 6; I.D.[. § 6>;5.94(i).

93: 6; I.D.[. § 6>;5.94(d)(6).

934 6; I.D.[. § 6>;5.94(d)(;).

93= 6; I.D.[. § 6>;5.94(d)(;).

933 6; I.D.[. § 6>;5.94(j).




:.9 Ytjp tcrjj2 Ucj sjrvlijr rjsphges th tcjlgdhroftlhg rjqujst

:.9.6 [jsphgsjUcj sjrvlijr oust prhvlej tcj khrrhwjr wltc tcj rjqujstje lgdhroftlhg fge mlvj tcj khrrhwjr

ihgtfit lgdhroftlhg lgiùelgm f tj`jpchgj guokjr, lg ifsj tcj khrrhwjr gjjes durtcjr

fsslstfgij.93<

Ld tcj lgdhroftlhg rjqujst fsas dhr tcj lejgtlty hd, fge feerjss hr htcjr rj`jvfgt ihgtfit

lgdhroftlhg dhr tcj hwgjr hr fsslmgjj hd f ohrtmfmj ̀ hfg, tcj sjrvlijr oust prhvlej tcls

lgdhroftlhg.9<>

Kjifusj ejtjrolglgm fge ejsirlklgm hwgjrsclp hd f ohrtmfmj ifg kj ihop`jx ld tcj

ohrtmfmj ls sjiurltlzje, tcj ihoojgtfry mlvjs mulefgij hg wch schuè kj lejgtldlje lg

rj`ftlhg th f rjqujst dhr lgdhroftlhg suic fs tcls.9<6

Ld tcj sjrvlijr ihgiùejs tcj rjqujstje lgdhroftlhg ls ght fvfl`fk`j, tcj sjrvlijr cfs th9<;

2

Cfvj ihgeuitje f rjfshgfk`j sjfric dhr tcj lgdhroftlhg

^rhvlej tcj khrrhwjr wltc f wrlttjg ghtlij tcft2

Uj``s tcj khrrhwjr tcft tcj sjrvlijr cfs ejtjrolgje tcft tcj rjqujstje

lgdhroftlhg ls ght fvfl`fk`j th tcj sjrvlijr1

Lgdhroftlhg ls ght fvfl`fk`j ld lt ls ght lg tcj sjrvlijr“s ihgtrh` hr phssjsslhg hr ld

tcj lgdhroftlhg ifgght kj rjtrljvje ‐lg tcj hrelgfry ihursj hd kuslgjss tcrhumc

rjfshgfk`j jddhrts.‟9<9

93< 6; I.D.[. § 6>;5.94(e)(6)(l).

9<> 6; I.D.[. § 6>;5.94(f)1 6; I.D.[. § 6>;5.94(e)(;)(l)(F) fge Ihoojgt 94(f) ’ ;.

9<6 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(f) ’ ;.

9<; 6; I.D.[. § 6>;5.94(e)(6)(ll).




Jxfop`js hd fvfl`fk`j lgdhroftlhg lgiùej trfgsirlpts hr tfpjs hd pchgj if``s

fiijsslk`j lg tcj hrelgfry ihursj hd kuslgjss wcjrj tcj pchgjs if``s rjdjrrje th

ky tcj khrrhwjr ifg kj lejgtldlje tcrhumc rjfshgfk`j kuslgjss jddhrts9<5

hr

ehiuojgts sthrje hddsltj tcft tcj sjrvlijr cfs f rlmct th fiijss tcrhumc

rjfshgfk`j jddhrts lg tcj hrelgfry ihursj hd kuslgjss.9<: Jxfop`js hd lgdhroftlhg tcft ls ght fvfl`fk`j lgiùej lgdhroftlhg sthrje hg

j`jitrhgli kfiaup ojelf tcft ifgght kj fiijssje ky tcj sjrvlijr wltchut

‐ugejrtfalgm jxtrfhrelgfry jddhrts th lejgtldy fge rjsthrj tcj lgdhroftlhg.‟ 9<4

Mlvjs tcj rjfshg wcy tcj sjrvlijr cfs ejtjrolgje tcj lgdhroftlhg ls ght fvfl`fk`j

Mlvjs tcj khrrhwjr ihgtfit lgdhroftlhg dhr tcj sjrvlijr, lgiùelgm f tj`jpchgj guokjr,

lg ifsj tcj khrrhwjr gjjes durtcjr fsslstfgij

:.9.; Ulolgm

Chw qulia`y tcj sjrvlijr oust rjsphge th tcj rjqujst dhr lgdhroftlhg ejpjges hg wcft alge hd

lgdhroftlhg ls rjqujstje ky tcj khrrhwjr. Cjrj frj tcj vfrlhus rjqulrjojgts.

[jqujstje lgdhroftlhg

Lejgtlty hd, fge feerjss hr htcjr rj`jvfgt ihgtfit lgdhroftlhg dhr, tcj hwgjr hr fsslmgjj hd f

ohrtmfmj ̀ hfg.


Ght ̀ ftjr tcfg 6> efys fdtjr tcj lgdhroftlhg rjqujst ls rjijlvje jxiùelgm ̀ jmf` puk`li ch`lefys,

Yfturefys fge Yugefys9<=

9<9 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(e)(6)(ll) ’ 6.

9<5 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(e)(6)(ll) ’ ;(l).

9<: 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(e)(6)(ll) ’ ;(lll).

9<4 6; I.D.[. pfrt 6>;5 Yupp`jojgt L, Ihoojgt 94(e)(6)(ll) ’ ;(ll).

9<= 6; I.D.[. § 6>;5.94(e)(;)(l)(F).



<: IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

[jqujstje Lgdhroftlhg

F`` htcjr rjqujsts dhr lgdhroftlhg


Ght `ftjr tcfg 9> efys fdtjr tcj rjqujst dhr lgdhroftlhg ls rjijlvje jxiùelgm `jmf` puk`li

ch`lefys, Yfturefys fge Yugefys. 9<3

Ucls ifg kj jxtjgeje ky 6: efys jxiùelgm `jmf` puk`li ch`lefys, Yfturefys fge Yugefys, ld tcj

sjrvlijr sjges tcj khrrhwjr f wrlttjg ghtlij hd tcj jxtjgslhg fge tcj rjfshg dhr tcj jxtjgslhg

wltclg tcj dlrst 9> efys.9<<

:.9.9 Jxijptlhgs

Ucj sjrvlijr ehjs ght cfvj th fiaghw`jemj rjijlpt hd tcj lgdhroftlhg rjqujst ld tcj sjrvlijr

prhvlejs tcj khrrhwjr wltc tcj lgdhroftlhg rjqujstje fge tcj sjrvlijr“s ihgtfit lgdhroftlhg,

lgiùelgm f tj`jpchgj guokjr, wltclg dlvj efys hd tcj sjrvlijr rjijlvlgm tcj rjqujst dhr

lgdhroftlhg, jxiùelgm ̀ jmf` puk`li ch`lefys, Yfturefys fge Yugefys.5>>

:.5 Htcjr lgdhroftlhg rjqujst rjqulrjojgts

:.5.6 Djj dhr lgdhroftlhg

Ucj sjrvlijr ifgght rjqulrj tcj khrrhwjr th pfy f djj hr ofaj fgy pfyojgt tcft ofy kj hwje hg

tcj fiihugt fs f ihgeltlhg th rjsphgelgm th tcj khrrhwjr“s rjqujst dhr lgdhroftlhg, jxijpt tcft

9<3 6; I.D.[. § 6>;5.94(e)(;)(l)(K).

9<< 6; I.D.[. § 6>;5.94(e)(;)(ll).

5>> 6; I.D.[. § 6>;5.94(j).




tcj sjrvlijr ifg icfrmj f djj dhr prhvlelgm f kjgjdlilfry ghtlij ugejr fpp`lifk`j Ytftj `fw ld f

icfrmj `laj tcls ls ght prhclkltje ky stftj `fw.5>6

:.5.; Lgtjrsjitlhg hd tcj lgdhroftlhg rjqujst ru`js fge htcjr

`fws

]cl`j lt ls rjsphgelgm th tcj rjqujst dhr lgdhroftlhg, tcj sjrvlij IFG durglsc fevjrsj

lgdhroftlhg th f irjelt rjphrtlgm fmjgiy.5>;

F sjrvlijr wch cfs rjijlvje f rjqujst dhr lgdhroftlhg ifg stl`` pursuj rjojeljs lt cfs, lgiùelgm

lgltlftlgm f dhrji`hsurj prhijjelgm hr ohvlgm dhrwfre wltc f dhrji`hsurj sf`j ld pjrolttje ky tcj

ohrtmfmj ̀ hfg lgstruojgts.5>9

Jvjg ld f sjrvlijr ls f ejkt ih``jithr wltc rjspjit th f khrrhwjr fge tcj khrrhwjr cfs sjgt f ijfsjihoougliftlhg lgstruitlhg lg wrltlgm ugejr tcj DEI^F, tcj sjrvlijr oust ihop`y wltc tcj

rjqujst dhr lgdhroftlhg ru`js lg 6>;5.94 ug`jss tcj khrrhwjr spjildlif``y wltcerfws tcj

khrrhwjr“s lgdhroftlhg rjqujst.5>5

:.: Lgdhroftlhg fvfl`fk`j hg tcj ^jrlheliYtftjojgt

]cl`j tcls mulej ehjs ght mh lgth ejtfl` fkhut pjrlheli stftjojgts, lt ls lophrtfgt th ghtj cjrj

tcft shoj khrrhwjrs wl`` rjijlvj ohgtc`y pjrlheli stftjojgts drho tcjlr sjrvlijr tcft ihgtflg

lgdhroftlhg tcft ofy kj usjdu`, lgiùelgm tcj thtf` fohugt hd f`` pfyojgts rjijlvje slgij tcj

kjmlgglgm hd tcj iurrjgt if`jgefr yjfr, fge f krjfaehwg hd tcj thtf` schwlgm fohugts fpp`lje

5>6 6; I.D.[. § 6>;5.94(m).

5>;

6; I.D.[. § 6>;5.94(c).5>9

6; I.D.[. § 6>;5.94(c).

5>5 ID^K ku``jtlg ;>69-6; ft 4, fvfl`fk`j ft cttp2//dl`js.ihgsuojrdlgfgij.mhv/d/;>696>XidpkXohrtmfmj-










<= IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

th prlgilpf`, lgtjrjst, jsirhw, djjs fge icfrmjs, fge tcj fohugt hd fgy ohgjy iurrjgt`y cjè lg f

suspjgsj fiihugt (fg fiihugt sjt up wcjg f pfrtlf` pfyojgt ls ofej fge ght loojelftj`y

irjeltje thwfre tcj ohrtmfmj pfyojgt).5>:

5>: Yjj, j.m., 6; I.D.[. § 6>;4.56(e)(9)(ll).





<< IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

4.;.; Ulolgm

Lg ohst ifsjs tcj stftjojgt cfs th kj sjgt ‐wltclg f rjfshgfk`j tloj‟ kut gh `ftjr tcfg =

kuslgjss efys fdtjr rjijlvlgm tcj rjqujst. 56>

Ld tcj `hfg ls lg kfgaruptiy hr dhrji`hsurj hr ls f rjvjrsj hr scfrje fpprjilftlhg ohrtmfmj fge

kjifusj hd tcls tcj pfyhdd stftjojgt ifg“t kj sjgt wltclg = kuslgjss efys, tcj pfyhdd stftjojgt

oust kj prhvleje ‐wltclg f rjfshgfk`j tloj.‟ 566

Ld tcj pfyhdd stftjojgt ifg“t kj sjgt wltclg = kuslgjss efys kjifusj hd ‐gfturf` elsfstjrs hr htcjr

slol`fr ilriuostfgijs,‟ tcj pfyhdd stftjojgt oust kj prhvleje ‐wltclg f rjfshgfk`j tloj.‟ 56;

Ucj tloj th rjsphge ofy kj ̀ hgmjr ld tcj sjrvlijr, irjelthr hr fsslmgjj ejslmgftjs f ijrtflg jofl`

hr ofl` feerjss hr dfx guokjr, hr spjildljs htcjr rjfshgfk`j rjqulrjojgts, dhr ofalgm f pfyhdd

rjqujst fge tcj khrrhwjr ehjs ght dh``hw tcj rjqulrjojgts.569

5>< 6; I.D.[. pfrt 6>;4 Yupp`jojgt L, Ihoojgt 94(i)(9) ’ 9.

56> 6; I.D.[. § 6>;4.94(i)(9).

566 6; I.D.[. § 6>;4.94(i)(9).

56; 6; I.D.[. § 6>;4.94(i)(9).

569 6; I.D.[. pfrt 6>;4 Yupp`jojgt L, Ihoojgt 94(i)(9) ’ ;.



6>> IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

F^^JGELS F2

6; I.D.[. § 6>;5.93 Mjgjrf` sjrvlilgm ph`liljs, prhijeurjs, fgerjqulrjojgts.

(f) [jfshgfk`j ph`liljs fge prhijeurjs. F sjrvlijr scf`` oflgtflg ph`liljs fgeprhijeurjs tcft frj rjfshgfk`y ejslmgje th ficljvj tcj hkbjitlvjs sjt dhrtc lg pfrfmrfpc(k) hd tcls sjitlhg.

(k) Hkbjitlvjs.

(6) Fiijsslgm fge prhvlelgm tloj`y fge fiiurftj lgdhroftlhg. Ucj ph`liljs fgeprhijeurjs rjqulrje ky pfrfmrfpc (f) hd tcls sjitlhg scf`` kj rjfshgfk`y ejslmgje thjgsurj tcft tcj sjrvlijr ifg2

(l) ^rhvlej fiiurftj fge tloj`y elsi`hsurjs th f khrrhwjr fs rjqulrje ky tclssukpfrt hr htcjr fpp`lifk`j `fw1

(ll) Lgvjstlmftj, rjsphge th, fge, fs fpprhprlftj, ofaj ihrrjitlhgs lg rjsphgsj thihop`flgts fssjrtje ky f khrrhwjr1

(lll) ^rhvlej f khrrhwjr wltc fiiurftj fge tloj`y lgdhroftlhg fge ehiuojgts lgrjsphgsj th tcj khrrhwjr's rjqujsts dhr lgdhroftlhg wltc rjspjit th tcj khrrhwjr's ohrtmfmj `hfg1

(lv) ^rhvlej hwgjrs hr fsslmgjjs hd ohrtmfmj `hfgs wltc fiiurftj fge iurrjgtlgdhroftlhg fge ehiuojgts fkhut f`` ohrtmfmj `hfgs tcjy hwg1

(v) Yukolt ehiuojgts hr dl`lgms rjqulrje dhr f dhrji`hsurj prhijss, lgiùelgmehiuojgts hr dl`lgms rjqulrje ky f ihurt hd ihopjtjgt burlselitlhg, tcft rjd`jitfiiurftj fge iurrjgt lgdhroftlhg fge tcft ihop`y wltc fpp`lifk`j `fw1 fge

(vl) Zphg ghtldliftlhg hd tcj ejftc hd f khrrhwjr, prhopt`y lejgtldy fge dfil`ltftjihoougliftlhg wltc tcj suiijsshr lg lgtjrjst hd tcj ejijfsje khrrhwjr wltcrjspjit th tcj prhpjrty sjiurje ky tcj ejijfsje khrrhwjr's ohrtmfmj `hfg.

(;) ^rhpjr`y jvfùftlgm `hss oltlmftlhg fpp`liftlhgs. Ucj ph`liljs fge prhijeurjsrjqulrje ky pfrfmrfpc (f) hd tcls sjitlhg scf`` kj rjfshgfk`y ejslmgje th jgsurj tcfttcj sjrvlijr ifg2

(l) ^rhvlej fiiurftj lgdhroftlhg rjmfrelgm `hss oltlmftlhg hptlhgs fvfl`fk`j th f khrrhwjr drho tcj hwgjr hr fsslmgjj hd tcj khrrhwjr's ohrtmfmj `hfg1

(ll) Lejgtldy wltc spjildlilty f`` `hss oltlmftlhg hptlhgs dhr wclic khrrhwjrs ofy kj j`lmlk`j pursufgt th fgy rjqulrjojgts jstfk`lscje ky fg hwgjr hr fsslmgjj hdtcj khrrhwjr's ohrtmfmj `hfg1



6>6 IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

(lll) ^rhvlej prhopt fiijss th f`` ehiuojgts fge lgdhroftlhg sukolttje ky f khrrhwjr lg ihggjitlhg wltc f `hss oltlmftlhg hptlhg th sjrvlijr pjrshggj` tcft

frj fsslmgje th fsslst tcj khrrhwjr pursufgt th § 6>;5.5>1

(lv) Lejgtldy ehiuojgts fge lgdhroftlhg tcft f khrrhwjr ls rjqulrje th sukolt thihop`jtj f `hss oltlmftlhg fpp`liftlhg fge dfil`ltftj ihop`lfgij wltc tcj ghtlijrjqulrje pursufgt th § 6>;5.56(k)(;)(l)(K)1 fge

(v) ^rhpjr`y jvfùftj f khrrhwjr wch sukolts fg fpp`liftlhg dhr f `hss oltlmftlhghptlhg dhr f`` `hss oltlmftlhg hptlhgs dhr wclic tcj khrrhwjr ofy kj j`lmlk`jpursufgt th fgy rjqulrjojgts jstfk`lscje ky tcj hwgjr hr fsslmgjj hd tcj khrrhwjr's ohrtmfmj `hfg fge, wcjrj fpp`lifk`j, lg fiihrefgij wltc tcjrjqulrjojgts hd § 6>;5.56.

(9) Dfil`ltftlgm hvjrslmct hd, fge ihop`lfgij ky, sjrvlij prhvlejrs. Ucj ph`liljs fgeprhijeurjs rjqulrje ky pfrfmrfpc (f) hd tcls sjitlhg scf`` kj rjfshgfk`y ejslmgje th

jgsurj tcft tcj sjrvlijr ifg2

(l) ^rhvlej fpprhprlftj sjrvlijr pjrshggj` wltc fiijss th fiiurftj fge iurrjgtehiuojgts fge lgdhroftlhg rjd`jitlgm fitlhgs pjrdhroje ky sjrvlij prhvlejrs1

(ll) Dfil`ltftj pjrlheli rjvljws hd sjrvlij prhvlejrs, lgiùelgm ky prhvlelgmfpprhprlftj sjrvlijr pjrshggj` wltc ehiuojgts fge lgdhroftlhg gjijssfry thfuelt ihop`lfgij ky sjrvlij prhvlejrs wltc tcj sjrvlijr's ihgtrfituf` hk`lmftlhgsfge fpp`lifk`j `fw1 fge

(lll) Dfil`ltftj tcj scfrlgm hd fiiurftj fge iurrjgt lgdhroftlhg rjmfrelgm tcjstftus hd fgy jvfùftlhg hd f khrrhwjr's `hss oltlmftlhg fpp`liftlhg fge tcj stftushd fgy dhrji`hsurj prhijjelgm fohgm fpprhprlftj sjrvlijr pjrshggj`, lgiùelgmfgy pjrshggj` fsslmgje th f khrrhwjr's ohrtmfmj `hfg fiihugt fs ejsirlkje lg §

6>;5.5>, fge fpprhprlftj sjrvlij prhvlejr pjrshggj`, lgiùelgm sjrvlij prhvlejr

pjrshggj` rjsphgslk`j dhr cfge`lgm dhrji`hsurj prhijjelgms.

(5) Dfil`ltftlgm trfgsdjr hd lgdhroftlhg eurlgm sjrvlilgm trfgsdjrs. Ucj ph`liljs fgeprhijeurjs rjqulrje ky pfrfmrfpc (f) hd tcls sjitlhg scf`` kj rjfshgfk`y ejslmgje thjgsurj tcft tcj sjrvlijr ifg2

(l) Fs f trfgsdjrhr sjrvlijr, tloj`y trfgsdjr f`` lgdhroftlhg fge ehiuojgts lg tcjphssjsslhg hr ihgtrh` hd tcj sjrvlijr rj`ftlgm th f trfgsdjrrje ohrtmfmj `hfg th ftrfgsdjrjj sjrvlijr lg f dhro fge ofggjr tcft jgsurjs tcj fiiurfiy hd tcjlgdhroftlhg fge ehiuojgts trfgsdjrrje fge tcft jgfk`js f trfgsdjrjj sjrvlijr thihop`y wltc tcj tjros hd tcj trfgsdjrjj sjrvlijr's hk`lmftlhgs th tcj hwgjr hrfsslmgjj hd tcj ohrtmfmj `hfg fge fpp`lifk`j `fw1 fge

(ll) Fs f trfgsdjrjj sjrvlijr, lejgtldy gjijssfry ehiuojgts hr lgdhroftlhg tcftofy ght cfvj kjjg trfgsdjrrje ky f trfgsdjrhr sjrvlijr fge hktflg suicehiuojgts drho tcj trfgsdjrhr sjrvlijr.



6>; IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

(lll) Dhr tcj purphsjs hd tcls pfrfmrfpc (k)(5), trfgsdjrjj sjrvlijr ojfgs f

sjrvlijr, lgiùelgm f ofstjr sjrvlijr hr f suksjrvlijr, tcft pjrdhros hr wl``pjrdhro sjrvlilgm hd f ohrtmfmj `hfg fge trfgsdjrhr sjrvlijr ojfgs f sjrvlijr,lgiùelgm f ofstjr sjrvlijr hr f suksjrvlijr, tcft trfgsdjrs hr wl`` trfgsdjr tcjsjrvlilgm hd f ohrtmfmj `hfg.

(:) Lgdhrolgm khrrhwjrs hd tcj wrlttjg jrrhr rjshùtlhg fge lgdhroftlhg rjqujstprhijeurjs. Ucj ph`liljs fge prhijeurjs rjqulrje ky pfrfmrfpc (f) hd tcls sjitlhgscf`` kj rjfshgfk`y ejslmgje th jgsurj tcft tcj sjrvlijr lgdhros khrrhwjrs hd tcjprhijeurjs dhr sukolttlgm wrlttjg ghtlijs hd jrrhr sjt dhrtc lg § 6>;5.9: fge wrlttjglgdhroftlhg rjqujsts sjt dhrtc lg § 6>;5.94.

(i) Ytfgefre rjqulrjojgts.

(6) [jihre rjtjgtlhg. F sjrvlijr scf`` rjtflg rjihres tcft ehiuojgt fitlhgs tfajg

wltc rjspjit th f khrrhwjr's ohrtmfmj `hfg fiihugt ugtl` hgj yjfr fdtjr tcj eftj fohrtmfmj `hfg ls elsicfrmje hr sjrvlilgm hd f ohrtmfmj `hfg ls trfgsdjrrje ky tcjsjrvlijr th f trfgsdjrjj sjrvlijr.

(;) Yjrvlilgm dl`j. F sjrvlijr scf`` oflgtflg tcj dh``hwlgm ehiuojgts fge eftf hgjfic ohrtmfmj `hfg fiihugt sjrvlije ky tcj sjrvlijr lg f ofggjr tcft dfil`ltftjsihopl`lgm suic ehiuojgts fge eftf lgth f sjrvlilgm dl`j wltclg dlvj efys2

(l) F sicjeu`j hd f`` trfgsfitlhgs irjeltje hr ejkltje th tcj ohrtmfmj `hfg fiihugt,lgiùelgm fgy jsirhw fiihugt fs ejdlgje lg § 6>;5.6=(k) fge fgy suspjgsj fiihugt1

(ll) F ihpy hd tcj sjiurlty lgstruojgt tcft jstfk`lscjs tcj `ljg sjiurlgm tcj ohrtmfmj`hfg1

(lll) Fgy ghtjs irjftje ky sjrvlijr pjrshggj` rjd`jitlgm ihoougliftlhgs wltc tcj

khrrhwjr fkhut tcj ohrtmfmj `hfg fiihugt1

(lv) Uh tcj jxtjgt fpp`lifk`j, f rjphrt hd tcj eftf dljès rj`ftlgm th tcj khrrhwjr'sohrtmfmj `hfg fiihugt irjftje ky tcj sjrvlijr's j`jitrhgli systjos lg ihggjitlhg wltcsjrvlilgm prfitlijs1 fge

(v) Ihpljs hd fgy lgdhroftlhg hr ehiuojgts prhvleje ky tcj khrrhwjr th tcj sjrvlijr lgfiihrefgij wltc tcj prhijeurjs sjt dhrtc lg § 6>;5.9: hr § 6>;5.56.



6>9 IHGYZOJ[ DLGFGILF@ ̂ [HUJIULHG KZ[JFZ DHHUJ[ YU\@J

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6



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OH[UMFMJ YJ[TLILGM [Z@JY2 Ihvjrfmj6

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