I 
116TH CONGRESS 
2D SESSION 
H. R. 6378 
To require the Federal financial regulators to issue interagency regulatory 
guidance in order to provide forms of relief to borrowers and customers 
during pandemics and major disasters, to continue to operate and provide 
services and lending, and to require such regulators to conduct testing 
with financial institutions to assess pandemic or disaster preparedness, 
and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 23, 2020 
Ms. WEXTON introduced the following bill; which was referred to the Com-
mittee on Financial Services, and in addition to the Committee on Agri-
culture, for a period to be subsequently determined by the Speaker, in 
each case for consideration of such provisions as fall within the jurisdic-
tion of the committee concerned 
A BILL 
To require the Federal financial regulators to issue inter-
agency regulatory guidance in order to provide forms 
of relief to borrowers and customers during pandemics 
and major disasters, to continue to operate and provide 
services and lending, and to require such regulators to 
conduct testing with financial institutions to assess pan-
demic or disaster preparedness, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Interagency Pandemic 
Guidance for Consumers Act’’. 
SEC. 2. INTERAGENCY PANDEMIC GUIDANCE. 
(a) GUIDANCE.—Not later than the end of the 60- 
day period beginning on the date of enactment of this Act, 
the Federal financial regulators shall issue interagency 
regulatory guidance on preparedness, flexibility, and relief 
options for consumers in pandemics and major disasters, 
such as deferment, forbearance, affordable payment plan 
options, and other options such as delays on debt collec-
tions and wage garnishments. 
(b) UPDATES.—The Federal financial regulators 
shall update the guidance required under subsection (a) 
as necessary to keep such guidance current. 
SEC. 3. PANDEMIC PREPAREDNESS TESTING. 
(a) IN GENERAL.—Not later than the end of the 2- 
year period beginning on the date of enactment of this 
Act, and every 5 years thereafter, the Federal financial 
regulators shall carry out testing along with the institu-
tions regulated by the Federal financial regulators to de-
termine how effectively such institutions will be able to 
respond to a pandemic or major disaster. 
(b) REPORT.—After the end of each test required 
under subsection (a), the Federal financial regulators 
shall, jointly, issue a report to Congress containing the 
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results of such test and any regulatory or legislative rec-
ommendations the regulators may have to increase pan-
demic preparedness. 
SEC. 4. DEFINITIONS. 
In this Act: 
(1) FEDERAL
FINANCIAL
REGULATORS.—The 
term ‘‘Federal financial regulators’’ means the 
Board of Governors of the Federal Reserve System, 
the Bureau of Consumer Financial Protection, the 
Comptroller of the Currency, the Director of the 
Federal Housing Finance Agency, the Federal De-
posit Insurance Corporation, the National Credit 
Union Administration, the Secretary of Agriculture, 
and the Secretary of Housing and Urban Develop-
ment. 
(2) MAJOR DISASTER.—The term ‘‘major dis-
aster’’ means a major disaster declared by the Presi-
dent under section 401 of the Robert T. Stafford 
Disaster Relief and Emergency Assistance Act (42 
U.S.C. 5170),
under which assistance is authorized 
under section 408 of such Act (42 U.S.C. 5174), or 
section 501 of such Act (42 U.S.C. 5191). 
Æ 
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