Even as they provide forbearance to victims of the Sept. 11 terrorist attacks in New York and Washington, mortgage lenders and servicers also need to reacquaint themselves with federal law concerning mortgage loans and military reservists. The Soldiers and Sailors Civil Relief Act, or SSCRA, imposes a 6 percent cap on mortgage loans and other consumer debts of certain military personnel on active duty. It also imposes a restriction on certain mortgage foreclosures.