; and (ii) consider the borrower for all available home retention options as allowed by the Secretary. (B) Permissible repayment plans The Secretary shall amend its allowable home retention options to permit a repayment plan of up to 120 months in length, and to permit a repayment plan without regard to prior defaults on repayment plans. (C) Limitation on interest curtailment The Secretary may not curtail interest paid to mortgagees who engage in loss mitigation or home retention actions through interest curtailment during such loss mitigation or home retention review or during the period when a loss mitigation or home retention plan is in effect and ending 90 days after any such plan terminates. . (B) Amendment to Housing Act of 1949 Section 505 of the Housing Act of 1949 ( 42 U.S.C. 1475 ) is amended— (i) by striking the section heading and inserting Loss Mitigation and Foreclosure Procedures ; (ii) in subsection (a), by striking the section designation and all that follows through During any and inserting the following: 505. (a) Moratorium— (1) In determining a borrower’s eligibility for relief, the Secretary shall make all eligibility decisions based on the borrower’s household’s income, expenses, and circumstances. (2) During any . (iii) by redesignating subsection (b) as subsection (c)