I 

116TH CONGRESS 

2D SESSION H. R. 8003 

To require the provision of notice to homeowners regarding available housing 

relief to respond to the COVID–19 pandemic, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

AUGUST 11, 2020 

Mr. EVANS (for himself and Mr. CLAY) introduced the following bill; which 

was referred to the Committee on Financial Services 

A BILL 

To require the provision of notice to homeowners regarding 

available housing relief to respond to the COVID–19 

pandemic, and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Helping Home Owners 

5 Maintain Economic Security Act of 2020’’ or the ‘‘Helping 

6 HOMES Act of 2020’’. 

7 SEC. 2. NOTICE TO HOMEOWNERS. 

8 Section 4022 of the CARES Act (15 U.S.C. 9056) 

9 is amended— 


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1 (1) by striking ‘‘Federally backed mortgage 

2 loan’ ’’ each place such term appears and inserting 

3 ‘‘covered mortgage loan’’; 

4 (2) in subsection (a)— 

5 (A) by amending paragraph (2) to read as 

6 follows: 

7 ‘‘(2) COVERED MORTGAGE LOAN.—The term 

8 ‘covered mortgage loan’ means any credit trans9 action that is secured by a mortgage, deed of trust, 

10 or other equivalent consensual security interest on a 

11 1- to 4-unit dwelling or on residential real property 

12 that includes a 1- to 4-unit dwelling, except that it 

13 shall not include a credit transaction under an open 

14 end credit plan other than a reverse mortgage.’’; and 

15 (B) by adding at the end the following new 

16 paragraph: 

17 ‘‘(3) COVERED PERIOD.—With respect to a 

18 loan, the term ‘covered period’ means the period be19 ginning on the date of enactment of this Act and 

20 ending 12 months after such date of enactment.’’; 

21 and 

22 (3) by adding at the end the following new sub23 section: 

24 ‘‘(d) NOTICE TO HOMEOWNERS OF AVAILABLE RE25 LIEF.—During the period that begins 90 days after the 


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1 date of the enactment of this subsection and ends upon 

2 the expiration of the covered period, each servicer of a cov3 ered mortgage loan shall— 

4 ‘‘(1) make available in a clear and conspicuous 

5 manner on their web page accurate information for 

6 borrowers, in both English and Spanish language, 

7 regarding the availability of forbearance under sub8 section (b); 

9 ‘‘(2) notify each borrower whose payments 

10 under a covered mortgage loan are or become 31 

11 days delinquent in any oral communication with or 

12 to the borrower that the borrower may be eligible to 

13 request forbearance as provided under subsection 

14 (b), except that such notification shall not be re15 quired if the borrower already has obtained forbear16 ance under subsection (b); and 

17 ‘‘(3) provide to any borrower whose payments 

18 on the covered mortgage loan are or become 31 days 

19 delinquent, a notification in writing, in both English 

20 and Spanish language, not later than the 45th day 

21 of the delinquency of the borrower, that— 

22 ‘‘(A) states that the borrower may be eligi23 ble for forbearance under this section; 

24 ‘‘(B) states that the borrower may seek 

25 language assistance and general help through a 


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1 housing counseling agency certified by the De2 partment of Housing and Urban Development; 

3 and 

4 ‘‘(C) provides information on how to find 

5 a counseling agency described in subparagraph 

6 (B).’’. 

Æ 


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