857 
(d) HOLD HARMLESS FOR ELIGIBLE RECIPIENTS.— 
Section 1106(d) of the CARES Act (Public Law 116–136) 
is amended by adding at the end the following new para-
graph: 
‘‘(7) EXEMPTION BASED ON EMPLOYEE AVAIL-
ABILITY.—During the period beginning on February 
15, 2020 and ending on December 31, 2020, the 
amount of loan forgiveness under this section shall 
be determined without regard to a reduction in the 
number of full-time equivalent employees if an eligi-
ble recipient— 
‘‘(A) is unable rehire an individual who 
was an employee of the eligible recipient on or 
before February 15, 2020; 
‘‘(B) is able to demonstrate an inability to 
find similarly qualified employees on or before 
December 31, 2020; or 
‘‘(C) is able to demonstrate an inability to 
return to the same level of business activity as 
such business was operating at prior to Feb-
ruary 15, 2020.’’. 
(e) PROHIBITION ON LIMITING FORGIVENESS.—Sec-
tion 1106(d) of the CARES Act (Public Law 116–136), 
as amended by subsection (d), is further amended by add-
ing at the end the following new paragraph:
858 
‘‘(8) NO
LIMITATIONS.—In carrying out this 
section, the Administrator may not limit the non- 
payroll portion of a forgivable covered loan 
amount.’’. 
(f) HOLD
HARMLESS.—Section 1106(h) of the 
CARES Act (Public Law 116–136), as amended by sub-
section (b)(3)(B), is further amended by striking ‘‘If a 
lender’’ and all that follows through ‘‘during covered pe-
riod’’ inserting the following: ‘‘If a lender has received any 
documentation required under this Act related to pay-
ments or amounts refinanced described under subsection 
(b) (other than payroll costs) made by an eligible recipient 
attesting that the eligible recipient has accurately verified 
such payments’’. 
SEC. 90005. IMPROVED COORDINATION BETWEEN PAY-
CHECK PROTECTION PROGRAM AND EM-
PLOYEE RETENTION TAX CREDIT. 
(a) AMENDMENT TO PAYCHECK PROTECTION PRO-
GRAM.—Section 1106(a)(8) of the CARES Act (Public 
Law 116–136) is amended by inserting ‘‘, except that such 
costs shall not include qualified wages taken into account 
in determining the credit allowed under section 2301 of 
this Act’’ before the period at the end. 
(b) AMENDMENTS TO EMPLOYEE RETENTION TAX 
CREDIT.—
859 
(1) IN
GENERAL.—Section 2301(g) of the 
CARES Act (Public Law 116–136) is amended to 
read as follows: 
‘‘(g) ELECTION TO NOT TAKE CERTAIN WAGES INTO 
ACCOUNT.— 
‘‘(1) IN GENERAL.—This section shall not apply 
to qualified wages paid by an eligible employer with 
respect to which such employer makes an election 
(at such time and in such manner as the Secretary 
may prescribe) to have this section not apply to such 
wages. 
‘‘(2) COORDINATION WITH PAYCHECK PROTEC-
TION
PROGRAM.—The Secretary, in consultation 
with the Administrator of the Small Business Ad-
ministration, shall issue guidance providing that 
payroll costs paid or incurred during the covered pe-
riod shall not fail to be treated as qualified wages 
under this section by reason of an election under 
paragraph (1) to the extent that a covered loan of 
the eligible employer is not forgiven by reason of a 
decision under section 1106(g). Terms used in the 
preceding sentence which are also used in section 
1106 shall have the same meaning as when used in 
such section.’’. 
(2) CONFORMING AMENDMENTS.—
860 
(A) Section 2301 of the CARES Act (Pub-
lic Law 116–136) is amended by striking sub-
section (j). 
(B) Section 2301(l) of the CARES Act 
(Public Law 116–136) is amended by striking 
paragraph (3) and by redesignating paragraphs 
(4) and (5) as paragraphs (3) and (4), respec-
tively. 
(c) EFFECTIVE DATE.—The amendments made by 
this section shall take effect as if included in the provisions 
of the CARES Act (Public Law 116–136) to which they 
relate. 
SEC. 90006. ALLOWABLE USES OF COVERED LOANS; FOR-
GIVENESS. 
(a) PAYCHECK
PROTECTION
PROGRAM.—Section 
7(a)(36)(F)(i) of the Small Business Act (15 U.S.C. 
636(a)(36)(F)(i)) is amended— 
(1) in subclause (VI), by striking ‘‘and’’ at the 
end; 
(2) in subclause (VII), by striking the period at 
the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following new sub-
clause: 
‘‘(VIII) costs related to the provi-
sion of personal protective equipment
861 
for employees or other equipment or 
supplies determined by the employer 
to be necessary to protect the health 
and safety of employees.’’. 
(b) FORGIVENESS.— 
(1) DEFINITION
OF
EXPECTED
FORGIVENESS 
AMOUNT.—Section 1106(a)(7) of the CARES Act 
(Public Law 116–136), as amended by section 
90004(b)(1), is further amended by adding at the 
end the following new subparagraph: 
‘‘(G) payments made for the provision of 
personal protective equipment for employees or 
other equipment or supplies determined by the 
employer to be necessary to protect the health 
and safety of employees; and’’. 
(2) FORGIVENESS.—Section 1106(b) of the 
CARES Act (Public Law 116–136), as amended by 
section 90004(b)(2), is further amended by adding 
at the end the following new paragraph: 
‘‘(7) Any payment made for the provision of 
personal protective equipment for employees or other 
equipment or supplies determined by the employer to 
be necessary to protect the health and safety of em-
ployees.’’.
862 
SEC. 90007. PROHIBITING CONFLICTS OF INTEREST FOR 
SMALL BUSINESS PROGRAMS UNDER THE 
CARES ACT. 
Section 4019 of the CARES Act (Public Law 116– 
136) is amended— 
(1) in subsection (a), by adding at the end the 
following: 
‘‘(7) SMALL BUSINESS ASSISTANCE.—The term 
‘small business assistance’ means assistance pro-
vided under— 
‘‘(A) paragraph (36) of section 7(a) of the 
Small Business Act (15 U.S.C. 636(a)), as 
added by section 1102 of this Act; 
‘‘(B) subsection (b) or (c) of section 1103 
of this Act; 
‘‘(C) section 1110 of this Act; or 
‘‘(D) section 1112 of this Act.’’; 
(2) in subsection (b)— 
(A) by inserting ‘‘or provisions relating to 
small business assistance’’ after ‘‘this subtitle’’; 
and 
(B) by inserting ‘‘or for any small business 
assistance’’ before the period at the end; and 
(3) in subsection (c)— 
(A) by inserting ‘‘or seeking any small 
business assistance’’ after ‘‘4003’’;
863 
(B) by inserting ‘‘or small business assist-
ance’’ after ‘‘that transaction’’; 
(C) by inserting ‘‘or the Administrator of 
the Small Business Administration, as applica-
ble,’’ after ‘‘System’’; and 
(D) by inserting ‘‘or receive the small busi-
ness assistance’’ after ‘‘in that transaction’’. 
SEC. 90008. FLEXIBILITY IN DEFERRAL OF PAYMENTS OF 
7(A) LOANS. 
Section 7(a)(7) of the Small Business Act (15 U.S.C. 
636(a)(7)) is amended— 
(1) by striking ‘‘The Administration’’ and in-
serting ‘‘(A) IN GENERAL.—The Administrator’’; 
(2) by inserting ‘‘and interest’’ after ‘‘prin-
cipal’’; and 
(3) by adding at the end the following new sub-
paragraphs: 
‘‘(B) DEFERRAL
REQUIREMENTS.—With re-
spect to a deferral provided under this paragraph, 
the Administrator— 
‘‘(i) shall require lenders under this sub-
section to provide full payment deferment relief 
(including payment of principal and interest) 
for a period of not more than 1 year; and
864 
‘‘(ii) may allow lenders under this sub-
section provide an additional deferment period 
if the borrower provides documentation justi-
fying such additional deferment. 
‘‘(C) SECONDARY MARKET.—If an investor de-
clines to approve a deferral or additional deferment 
requested by a lender under subparagraph (B), the 
Administrator shall exercise the authority to pur-
chase the loan so that the borrower may receive full 
payment deferment relief (including payment of 
principal and interest) or an additional deferment as 
described under subparagraph (B).’’. 
SEC. 90009. CERTAIN CRIMINAL VIOLATIONS AND DIS-
ASTER LOAN APPLICATIONS. 
(a) IN GENERAL.—The flush matter following sub-
paragraph (E) of section 7(b)(2) of the Small Business 
Act (15 U.S.C. 636(b)(2)) is amended by striking the pe-
riod at the end and inserting the following: ‘‘: Provided 
further, That any application for a loan or guarantee made 
pursuant to this paragraph (2) shall include a statement 
that an applicant is not ineligible for assistance under this 
paragraph solely because of the applicant’s involvement in 
the criminal justice system.’’. 
(b) RULEMAKING.—Not later than 15 days after the 
date of enactment of this Act, the Administrator of the
865 
Small Business Administration shall make necessary revi-
sions to any rules to carry out the amendment made by 
this section. 
SEC. 90010. TEMPORARY FEE REDUCTIONS. 
(a) ADMINISTRATIVE FEE WAIVER.— 
(1) IN GENERAL.—During the period beginning 
on the date of enactment of this Act and ending on 
September 30, 2021, and to the extent that the cost 
of such elimination or reduction of fees is offset by 
appropriations, with respect to each loan guaranteed 
under section 7(a) of the Small Business Act (15 
U.S.C. 636(a)) (including a recipient of assistance 
under the Community Advantage Pilot Program of 
the Administration) for which an application is ap-
proved or pending approval on or after the date of 
enactment of this Act, the Administrator shall— 
(A) in lieu of the fee otherwise applicable 
under section 7(a)(23)(A) of the Small Busi-
ness Act (15 U.S.C. 636(a)(23)(A)), collect no 
fee or reduce fees to the maximum extent pos-
sible; and 
(B) in lieu of the fee otherwise applicable 
under section 7(a)(18)(A) of the Small Busi-
ness Act (15 U.S.C. 636(a)(18)(A)), collect no
866 
fee or reduce fees to the maximum extent pos-
sible. 
(2) APPLICATION OF FEE ELIMINATIONS OR RE-
DUCTIONS.—To the extent that amounts are made 
available to the Administrator for the purpose of fee 
eliminations or reductions under paragraph (1), the 
Administrator shall— 
(A) first use any amounts provided to 
eliminate or reduce fees paid by small business 
borrowers under clauses (i) through (iii) of sec-
tion 7(a)(18)(A) of the Small Business Act (15 
U.S.C. 636(a)(18)(A)), to the maximum extent 
possible; and 
(B) then use any amounts provided to 
eliminate or reduce fees under 7(a)(23)(A) of 
the 
Small 
Business 
Act 
(15 
U.S.C. 
636(a)(23)(A)). 
(b) TEMPORARY FEE ELIMINATION FOR THE 504 
LOAN PROGRAM.— 
(1) IN GENERAL.—During the period beginning 
on the date of enactment of this section and ending 
on September 30, 2021, and to the extent the cost 
of such elimination in fees is offset by appropria-
tions, with respect to each project or loan guaran-
teed by the Administrator pursuant to title V of the
867 
Small Business Investment Act of 1958 (15 U.S.C. 
695 et seq.) for which an application is approved or 
pending approval on or after the date of enactment 
of this section— 
(A) the Administrator shall, in lieu of the 
fee otherwise applicable under section 503(d)(2) 
of the Small Business Investment Act of 1958 
(15 U.S.C. 697(d)(2)), collect no fee; and 
(B) a development company shall, in lieu 
of 
the 
processing 
fee 
under 
section 
120.971(a)(1) of title 13, Code of Federal Reg-
ulations (relating to fees paid by borrowers), or 
any successor thereto, collect no fee. 
(2) REIMBURSEMENT FOR WAIVED FEES.— 
(A) IN GENERAL.—To the extent that the 
cost of such payments is offset by appropria-
tions, the Administrator shall reimburse each 
development company that does not collect a 
processing fee pursuant to paragraph (1)(B). 
(B) AMOUNT.—The payment to a develop-
ment company under subparagraph (A) shall be 
in an amount equal to 1.5 percent of the net 
debenture proceeds for which the development 
company does not collect a processing fee pur-
suant to paragraph (1)(B).
869 
bursement of the loan, if such balance ex-
ceeds $150,000; or 
‘‘(ii) 85 percent of the balance of the 
financing outstanding at the time of dis-
bursement of the loan, if such balance is 
less than or equal to $150,000.’’. 
(b) EXPRESS LOAN GUARANTEE AMOUNTS.— 
(1) 
TEMPORARY
MODIFICATION.—Section 
7(a)(31)(A)(iv) of the Small Business Act (15 
U.S.C. 636(a)(31)(A)(iv)) is amended by striking 
‘‘with a guaranty rate of not more than 50 percent.’’ 
and inserting the following: ‘‘with a guarantee 
rate— 
‘‘(I) for a loan in an amount less 
than or equal to $350,000, of not 
more than 90 percent; and 
‘‘(II) for a loan in an amount 
greater than $350,000, of not more 
than 75 percent.’’. 
(2) PROSPECTIVE REPEAL.—Effective January 
1, 2021, section 7(a)(31)(A)(iv) of the Small Busi-
ness Act (15 U.S.C. 636(a)(31)), as amended by 
paragraph (1), is amended by striking ‘‘guarantee 
rate’’ and all that follows through the period at the
870 
end and inserting ‘‘guarantee rate of not more than 
50 percent.’’. 
SEC. 90012. MAXIMUM LOAN AMOUNT FOR 7(a) LOANS. 
During the period beginning on the date of enactment 
of this section and ending on September 30, 2021, with 
respect to any loan guaranteed under section 7(a) of the 
Small Business Act (15 U.S.C. 636(a)) for which an appli-
cation is approved or pending approval on or after the date 
of enactment of this section, the maximum loan amount 
shall be $10,000,000. 
SEC. 90013. MAXIMUM LOAN AMOUNT FOR 504 LOANS. 
(a) TEMPORARY INCREASE.—During the period be-
ginning on the date of enactment of this section and end-
ing on September 30, 2021, with respect to each project 
or loan guaranteed by the Administrator pursuant to title 
V of the Small Business Investment Act of 1958 (15 
U.S.C. 695 et seq.) for which an application is approved 
or pending approval on or after the date of enactment of 
this section, the maximum loan amount shall be 
$10,000,000. 
(b) PERMANENT INCREASE FOR SMALL MANUFAC-
TURERS.—Effective 
on 
October 
1, 
2021, 
section 
502(2)(A)(iii) of the Small Business Investment Act of 
1958 (15 U.S.C. 696(2)(A)(iii)) is amended by striking 
‘‘$5,500,000’’ and inserting ‘‘$10,000,000’’.
871 
(c) LOW-INTEREST
REFINANCING
UNDER
THE 
LOCAL DEVELOPMENT BUSINESS LOAN PROGRAM.— 
(1) REPEAL.—Section 521(a) of division E of 
the Consolidated Appropriations Act, 2016 (Public 
Law 114–113; 129 Stat. 2463; 15 U.S.C. 696 note) 
is repealed. 
(2) REFINANCING.—Section 502(7) of the 
Small Business Investment Act of 1958 (15 U.S.C. 
696(7)) is amended by adding at the end the fol-
lowing new subparagraph: 
‘‘(C) REFINANCING
NOT
INVOLVING
EX-
PANSIONS.— 
‘‘(i) DEFINITIONS.—In this subpara-
graph— 
‘‘(I) the term ‘borrower’ means a 
small business concern that submits 
an application to a development com-
pany for financing under this sub-
paragraph; 
‘‘(II) the term ‘eligible fixed 
asset’ means tangible property relat-
ing to which the Administrator may 
provide financing under this section; 
and
872 
‘‘(III) the term ‘qualified debt’ 
means indebtedness that— 
‘‘(aa) was incurred not less 
than 6 months before the date of 
the application for assistance 
under this subparagraph; 
‘‘(bb) is a commercial loan; 
‘‘(cc) the proceeds of which 
were used to acquire an eligible 
fixed asset; 
‘‘(dd) was incurred for the 
benefit of the small business con-
cern; and 
‘‘(ee) is collateralized by eli-
gible fixed assets; and 
‘‘(ii) AUTHORITY.—A project that 
does not involve the expansion of a small 
business concern may include the refi-
nancing of qualified debt if— 
‘‘(I) the amount of the financing 
is not more than 90 percent of the 
value of the collateral for the financ-
ing, except that, if the appraised value 
of the eligible fixed assets serving as 
collateral for the financing is less than
873 
the amount equal to 125 percent of 
the amount of the financing, the bor-
rower may provide additional cash or 
other collateral to eliminate any defi-
ciency; 
‘‘(II) the borrower has been in 
operation for all of the 2-year period 
ending on the date the loan applica-
tion is submitted; and 
‘‘(III) for a financing for which 
the Administrator determines there 
will be an additional cost attributable 
to the refinancing of the qualified 
debt, the borrower agrees to pay a fee 
in an amount equal to the anticipated 
additional cost. 
‘‘(iii) FINANCING FOR BUSINESS EX-
PENSES.— 
‘‘(I) FINANCING
FOR
BUSINESS 
EXPENSES.—The Administrator may 
provide financing to a borrower that 
receives financing that includes a refi-
nancing of qualified debt under clause 
(ii), in addition to the refinancing
874 
under clause (ii), to be used solely for 
the payment of business expenses. 
‘‘(II) APPLICATION FOR FINANC-
ING.— An application for financing 
under subclause (I) shall include— 
‘‘(aa) a specific description 
of the expenses for which the ad-
ditional financing is requested; 
and 
‘‘(bb) an itemization of the 
amount of each expense. 
‘‘(III) 
CONDITION
ON
ADDI-
TIONAL FINANCING.—A borrower may 
not use any part of the financing 
under this clause for non-business 
purposes. 
‘‘(iv) LOANS BASED ON JOBS.— 
‘‘(I) JOB CREATION AND RETEN-
TION GOALS.— 
‘‘(aa) IN
GENERAL.—The 
Administrator may provide fi-
nancing under this subparagraph 
for a borrower that meets the job 
creation goals under subsection 
(d) or (e) of section 501.
875 
‘‘(bb) ALTERNATE JOB RE-
TENTION
GOAL.—The Adminis-
trator may provide financing 
under this subparagraph to a 
borrower that does not meet the 
goals described in item (aa) in an 
amount that is not more than the 
product obtained by multiplying 
the number of employees of the 
borrower by $75,000. 
‘‘(II) NUMBER OF EMPLOYEES.— 
For purposes of subclause (I), the 
number of employees of a borrower is 
equal to the sum of— 
‘‘(aa) the number of full- 
time employees of the borrower 
on the date on which the bor-
rower applies for a loan under 
this subparagraph; and 
‘‘(bb) the product obtained 
by multiplying— 
‘‘(AA) the number of 
part-time employees of the 
borrower on the date on 
which the borrower applies
876 
for a loan under this sub-
paragraph, by 
‘‘(BB) the quotient ob-
tained by dividing the aver-
age number of hours each 
part time employee of the 
borrower works each week 
by 40. 
‘‘(vi) TOTAL
AMOUNT
OF
LOANS.— 
The Administrator may provide not more 
than a total of $7,500,000,000 of financ-
ing under this subparagraph for each fiscal 
year.’’. 
(d) REFINANCING SENIOR PROJECT DEBT.—During 
the 1-year period beginning on the date of the enactment 
of this Act, a development company described under title 
V of the Small Business Investment Act of 1958 (15 
U.S.C. 695 et seq.) is authorized to allow the refinancing 
of a senior loan on an existing project in an amount that, 
when combined with the outstanding balance on the devel-
opment company loan, is not more than 90 percent of the 
total value of the senior loan. Proceeds of such refinancing 
can be used to support business operating expenses of 
such development company.
877 
SEC. 
90014. 
RECOVERY 
ASSISTANCE 
UNDER 
THE 
MICROLOAN PROGRAM. 
(a) LOANS TO INTERMEDIARIES.— 
(1) IN GENERAL.—Section 7(m) of the Small 
Business Act (15 U.S.C. 636(m)) is amended— 
(A) in paragraph (3)(C)— 
(i) by striking ‘‘and $6,000,000’’ and 
inserting ‘‘$10,000,000, in the aggre-
gate,’’; and 
(ii) by inserting before the period at 
the end the following: ‘‘, and $4,500,000 in 
any of those remaining years’’; 
(B) in paragraph (4)— 
(i) in subparagraph (A), by striking 
‘‘subparagraph (C)’’ each place that term 
appears and inserting ‘‘subparagraphs (C) 
and (G)’’; 
(ii) in subparagraph (C), by amending 
clause (i) to read as follows: 
‘‘(i) IN
GENERAL.—In addition to 
grants made under subparagraph (A) or 
(G), each intermediary shall be eligible to 
receive a grant equal to 5 percent of the 
total outstanding balance of loans made to 
the intermediary under this subsection if—
878 
‘‘(I) the intermediary provides 
not less than 25 percent of its loans 
to small business concerns located in 
or owned by one or more residents of 
an economically distressed area; or 
‘‘(II) the intermediary has a 
portfolio of loans made under this 
subsection— 
‘‘(aa) 
that 
averages 
not 
more than $10,000 during the 
period of the intermediary’s par-
ticipation in the program; or 
‘‘(bb) of which not less than 
25 percent is serving rural areas 
during 
the 
period 
of 
the 
intermediary’s participation in 
the program.’’; and 
(iii) by adding at the end the fol-
lowing: 
‘‘(G) GRANT AMOUNTS BASED ON APPRO-
PRIATIONS.—In any fiscal year in which the 
amount appropriated to make grants under 
subparagraph (A) is sufficient to provide to 
each intermediary that receives a loan under 
paragraph (1)(B)(i) a grant of not less than 25
879 
percent of the total outstanding balance of 
loans made to the intermediary under this sub-
section, the Administration shall make a grant 
under subparagraph (A) to each intermediary 
of not less than 25 percent and not more than 
30 percent of that total outstanding balance for 
the intermediary.’’; and 
(C) by striking paragraph (7) and insert-
ing the following: 
‘‘(7) PROGRAM FUNDING FOR MICROLOANS.— 
Under the program authorized by this subsection, 
the Administration may fund, on a competitive basis, 
not more than 300 intermediaries.’’. 
(2) PROSPECTIVE
AMENDMENT.—Effective on 
October 1, 2021, section 7(m)(3)(C) of the Small 
Business Act (15 U.S.C. 636(m)(3)(C)), as amended 
by paragraph (1)(A), is further amended— 
(A) by striking ‘‘$10,000,000’’ and by in-
serting ‘‘$7,000,000’’; and 
(B) by striking ‘‘$4,500,000’’ and insert-
ing ‘‘$3,000,000’’. 
(b) TEMPORARY WAIVER
OF TECHNICAL ASSIST-
ANCE GRANTS MATCHING REQUIREMENTS AND FLEXI-
BILITY ON PRE- AND POST-LOAN ASSISTANCE.—During 
the period beginning on the date of enactment of this sec-
882 
SEC. 90015. CYBERSECURITY AWARENESS REPORTING. 
Section 10 of the Small Business Act (15 U.S.C. 639) 
is amended by inserting after subsection (a) the following: 
‘‘(b) CYBERSECURITY REPORTS.— 
‘‘(1) ANNUAL
REPORT.—Not later than 180 
days after the date of enactment of this subsection, 
and every year thereafter, the Administrator shall 
submit a report to the appropriate congressional 
committees that includes— 
‘‘(A) an assessment of the information 
technology (as defined in section 11101 of title 
40, United States Code) and cybersecurity in-
frastructure of the Administration; 
‘‘(B) a strategy to increase the cybersecu-
rity infrastructure of the Administration; 
‘‘(C) a detailed account of any information 
technology equipment or interconnected system 
or subsystem of equipment of the Administra-
tion that was manufactured by an entity that 
has its principal place of business located in the 
People’s Republic of China; and 
‘‘(D) an account of any cybersecurity risk 
or incident that occurred at the Administration 
during the 2-year period preceding the date on 
which the report is submitted, and any action
883 
taken by the Administrator to respond to or re-
mediate any such cybersecurity risk or incident. 
‘‘(2) ADDITIONAL REPORTS.—If the Adminis-
trator determines that there is a reasonable basis to 
conclude that a cybersecurity risk or incident oc-
curred at the Administration, the Administrator 
shall— 
‘‘(A) not later than 7 days after the date 
on which the Administrator makes that deter-
mination, notify the appropriate congressional 
committees of the cybersecurity risk or incident; 
and 
‘‘(B) not later than 30 days after the date 
on which the Administrator makes a determina-
tion under subparagraph (A)— 
‘‘(i) provide notice to individuals and 
small business concerns affected by the cy-
bersecurity risk or incident; and 
‘‘(ii) submit to the appropriate con-
gressional committees a report, based on 
information available to the Administrator 
as of the date which the Administrator 
submits the report, that includes— 
‘‘(I) a summary of information 
about the cybersecurity risk or inci-
884 
dent, including how the cybersecurity 
risk or incident occurred; and 
‘‘(II) an estimate of the number 
of individuals and small business con-
cerns affected by the cybersecurity 
risk or incident, including an assess-
ment of the risk of harm to affected 
individuals and small business con-
cerns. 
‘‘(3) RULE
OF
CONSTRUCTION.—Nothing in 
this subsection shall be construed to affect the re-
porting requirements of the Administrator under 
chapter 35 of title 44, United States Code, in par-
ticular the requirement to notify the Federal infor-
mation security incident center under section 
3554(b)(7)(C)(ii) of such title, or any other provi-
sion of law. 
‘‘(4) DEFINITIONS.—In this subsection: 
‘‘(A) APPROPRIATE CONGRESSIONAL COM-
MITTEES.—The term ‘appropriate congressional 
committees’ means— 
‘‘(i) the Committee on Small Business 
and Entrepreneurship of the Senate; and 
‘‘(ii) the Committee on Small Busi-
ness of the House of Representatives.
885 
‘‘(B) CYBERSECURITY RISK; INCIDENT.— 
The terms ‘cybersecurity risk’ and ‘incident’ 
have the meanings given such terms, respec-
tively, under section 2209(a) of the Homeland 
Security Act of 2002.’’. 
SEC. 90016. REPORTING ON SMALL BUSINESS PROGRAMS 
UNDER THE CARES ACT. 
(a) DEFINITIONS.—In this section— 
(1) the terms ‘‘Administration’’ and ‘‘Adminis-
trator’’ mean the Small Business Administration 
and the Administrator thereof; 
(2) the term ‘‘appropriate congressional com-
mittees’’ means— 
(A) Committee on Appropriations and the 
Committee on Small Business and Entrepre-
neurship of the Senate; and 
(B) the Committee on Appropriations and 
the Committee on Small Business of the House 
of Representatives; 
(3) the term ‘‘covered assistance’’ means— 
(A) loans made under section 7(a)(36) of 
the Small Business Act (15 U.S.C. 636(a)(36)); 
(B) an advance on a loan made under sec-
tion 1110(e) of the CARES Act (Public Law 
116–136);
886 
(C) loans made under section 7(b)(2) of 
the Small Business Act (15 U.S.C. 636(b)(2)), 
including those made in accordance with section 
1110 of the CARES Act (Public Law 116– 
136); 
(D) loan forgiveness under section 1106 of 
the CARES Act (Public Law 116–136); and 
(E) the payment of principal, interest, and 
fees under section 1112(c) of the CARES Act 
(Public Law 116–136); 
(4) the term ‘‘covered loan’’ has the meaning 
given the term in section 1112(a) of the CARES Act 
(Public Law 116–136); 
(5) the term ‘‘demographics’’ means veteran 
status, gender, race, and ethnicity, as reported on 
Form 1919 of the Administration or any similar 
loan application form of the Administration; and 
(6) the term ‘‘State’’— 
(A) means any State of the United States, 
the District of Columbia, the Commonwealth of 
Puerto Rico, the United States Virgin Islands, 
Guam, American Samoa, the Commonwealth of 
the Northern Mariana Islands, and any posses-
sion of the United States; and
887 
(B) includes an Indian tribe, as defined in 
section 4 of the Indian Self-Determination and 
Education Assistance Act (25 U.S.C. 450b). 
(b) DAILY REPORTING.— 
(1) IN GENERAL.—During the period beginning 
on the day after the date of enactment of this Act 
and ending on the date on which loan, advance, or 
payment activity described in this subsection related 
to COVID–19 has ceased, the Administrator shall, 
on a daily basis, report to Congress on— 
(A) the total number and dollar amount of 
loans or advances, broken down by loans and 
advances approved and loans and advances dis-
bursed, under— 
(i) section 7(a)(36) of the Small Busi-
ness Act (15 U.S.C. 636(a)(36)); 
(ii) section 1110(e) of the CARES Act 
(Public Law 116–136); and 
(iii) section 7(b)(2) of the Small Busi-
ness Act (15 U.S.C. 636(b)(2)); 
(B) for loans made under section 7(a)(36) 
of 
the 
Small 
Business 
Act 
(15 
U.S.C. 
636(a)(36))—
888 
(i) the amount of remaining authority 
for the loans, in dollar amount and as a 
percentage; and 
(ii) an estimate of the date on which 
the net and gross dollar amount of loans 
will reach the maximum amount author-
ized for commitments for such loans; 
(C) for advances made under section 
1110(e) of the CARES Act (Public Law 116– 
136)— 
(i) the amount of remaining funds ap-
propriated for the advances, in dollar 
amount and as a percentage; and 
(ii) an estimate of the date on which 
the funds will be expended; and 
(D) for loans made under section 7(b)(2) 
of 
the 
Small 
Business 
Act 
(15 
U.S.C. 
636(b)(2))— 
(i) the amount of remaining authority 
for the loans, in dollar amount and as a 
percentage; and 
(ii) an estimate of the date on which 
the net and gross dollar amount of loans 
will reach the maximum amount author-
ized for commitments for such loans.
889 
(2) 
REPORTING
ON
DEBT
RELIEF
FOR 
MICROLOANS, 7(A) LOANS, AND 504 LOANS.—The Ad-
ministrator shall include in each daily report sub-
mitted under paragraph (1), and update on a 
monthly basis until the date described in paragraph 
(1), with respect to payments made on covered loans 
under section 1112(c) of the CARES Act (Public 
Law 116–136)— 
(A) the amount of remaining funds appro-
priated for the payments, in dollar amount and 
as a percentage; and 
(B) an estimate of the date on which the 
funds will be expended. 
(c) WEEKLY REPORTING.— 
(1) IN GENERAL.—Not later than 1 week after 
the date of enactment of this Act, and every week 
thereafter until the date on which loan, advance, or 
payment activity described in this subsection related 
to COVID–19 has ceased, the Administrator shall 
submit to Congress a report on— 
(A) loans made under section 7(a)(36) of 
the Small Business Act (15 U.S.C. 636(a)(36)), 
which shall include— 
(i) the number and dollar amount of 
loans approved for or disbursed to all bor-
890 
rowers, including a breakout of loans by 
State, congressional district, demographics, 
industry, and loan size; 
(ii) the number and dollar amount of 
loans approved for or disbursed to business 
concerns assigned a North American In-
dustry Classification System code begin-
ning with 72, including a breakout of loans 
by State, congressional district, demo-
graphics, and loan size; 
(iii) the number and dollar amount of 
loans approved for or disbursed to non-
profit organizations and veterans organiza-
tions (as those terms are defined in section 
7(a)(36)(A) of the Small Business Act (15 
U.S.C. 636(a)(36)(A)), including religious 
institutions, including a breakout of loans 
by State, congressional district, industry, 
and loan size; 
(iv) for each category of borrowers de-
scribed in clauses (i), (ii), and (iii)— 
(I) the number of full-time equiv-
alent employees at the time at which 
the borrower submits a loan applica-
tion;
891 
(II) the number of full-time 
equivalent employees at the time at 
which the borrower receives loan for-
giveness under section 1106 of the 
CARES Act (Public Law 116–136); 
and 
(III) the number of full-time 
equivalent employees expected for bor-
rowers in the 6-month period fol-
lowing forgiveness of the loan; 
(v) the number and dollar amount of 
loans fully forgiven under section 1106 of 
the CARES Act (Public Law 116–136), as 
compared to the number and dollar 
amount of loans made as of the date of the 
report; 
(vi) the number and dollar amount of 
loans not fully forgiven under section 1106 
of the CARES Act (Public Law 116–136), 
and the proportion of that dollar amount 
of loans that become term loans guaran-
teed by the Administration under section 
7(a)(36) of the Small Business Act (15 
U.S.C. 636(a)(36));
892 
(vii) the total amount of the lender 
compensation fees paid to lenders; and 
(viii) the total amount lenders paid in 
broker fees; and 
(B) loans made under section 7(b)(2) of 
the Small Business Act (15 U.S.C. 636(b)(2)) 
and advances made under section 1110(e) of 
the CARES Act (Public Law 116–136), which 
shall include— 
(i) the number and dollar amount of 
loans approved for or disbursed to all bor-
rowers, including a breakout of loans by 
State, congressional district, demographics, 
industry, and loan size; 
(ii) the number and dollar amount of 
advances approved for or disbursed to 
grantees, including a breakout of loans by 
State, congressional district, demographics, 
industry, and grant size; 
(iii) the number and dollar amount of 
advances approved for or disbursed to pri-
vate nonprofit organizations, including a 
breakout by State, congressional district, 
industry, and loan or grant size;
893 
(iv) for each category of recipients, 
the number of full-time equivalent employ-
ees of the recipient at the time at which an 
application is submitted for the loan or ad-
vance, and the number of jobs created or 
retained because of the loan or advance; 
(v) loan processing times, including 
processing times for application to ap-
proval and approval to disbursement; and 
(vi) advance processing times, includ-
ing the percentage of advances that were 
provided within 3 days of submission of 
the application, as required under section 
1110(e)(1) of the CARES Act (Public Law 
116–136). 
(2) 
REPORTING
ON
DEBT
RELIEF
FOR 
MICROLOANS, 7(A) LOANS, AND 504 LOANS.—The Ad-
ministrator shall include in each weekly report sub-
mitted under paragraph (1), and update on a 
monthly basis until the date described in paragraph 
(1), with respect to payments made on covered loans 
under section 1112(c) of the CARES Act (Public 
Law 116–136)— 
(A) the total dollar amount approved and 
the total amount disbursed by the Administra-
894 
tion and the number of borrowers receiving as-
sistance under such section 1112(c), including a 
breakdown by— 
(i) each type of covered loan described 
in subparagraph (A) and (B) of paragraph 
(1) and paragraph (2) of such section 
1112(a); and 
(ii) whether the borrower is— 
(I) an existing borrower of a cov-
ered loan, as described in subpara-
graph (A) or (B) of such section 
1112(c)(1); or 
(II) a new borrower of a covered 
loan, as described in subparagraph 
(C) of such section 1112(c)(1); 
(B) the total dollar amount approved and 
the total amount disbursed by the Administra-
tion by the Administration and number of bor-
rowers receiving assistance under such section 
1112(c) broken out by State and congressional 
district, including a breakdown by each type of 
covered loan described in subparagraph (A) and 
(B) of paragraph (1) and paragraph (2) of such 
section 1112(a); and
895 
(C) the total number and amount of new 
covered loans by approval and disbursement 
broken out by lending institution, including a 
breakout of loans by State, congressional dis-
trict, demographics, industry, and loan size. 
(d) REPORT ON WASTE, FRAUD AND ABUSE.—Not 
later than 30 days after the date of enactment of this Act, 
the Administrator and the Secretary of the Treasury shall 
submit to Congress a joint report on steps that the Admin-
istration and the Department of the Treasury are taking 
to identify and prevent potential instances of waste, fraud, 
and abuse relating to covered assistance, including bor-
rower compliance with any loan deferment, relief, or for-
giveness provided through covered assistance. 
(e) REPORT ON JOBS FOR THE DEBT RELIEF PRO-
GRAM.— 
(1) IN GENERAL.—To the extent practicable, 
with respect to each type of covered loan described 
in subparagraphs (A) and (B) of paragraph (1) and 
paragraph (2) of section 1112(a) of the CARES Act 
(Public Law 116–136), the Administrator shall sub-
mit to Congress a report on— 
(A) the number of full-time equivalent em-
ployees—
896 
(i) for existing borrowers of a covered 
loan, as described in subparagraph (A) or 
(B) of such section 1112(c)(1) at the start 
of the debt relief under such section 
1112(c); and 
(ii) for new borrowers of a covered 
loan, as described in subparagraph (C) of 
such section 1112(c)(1), at the time of ap-
plication for the covered loan; and 
(B) the number of jobs created or retained 
because of the covered loan or the debt relief. 
(2) TIMING.—The Administrator shall, to the 
extent practicable, submit to Congress the report re-
quired under paragraph (1) not later than October 
1, 2020, with an updated version submitted not later 
than January 31, 2021. 
(f) REPORT ON CARES ACT SALARIES AND EX-
PENSES FUNDING.—Not later than 30 days after the date 
of enactment of this Act, the Administrator shall submit 
to the appropriate congressional committees a report that 
includes the plans of the Administrator to use the 
$675,000,000 provided in section 1107(a)(2) of the 
CARES Act (Public Law 116–136) for salaries and ex-
penses, and the $2,100,000,000 provided in title II of the 
Paycheck Protection Program and Health Care Enhance-
897 
ment Act (Public Law 116–139) for salaries and expenses 
(including staff hired, the use of outside consultants, pro-
gram improvements, and system upgrades), to carry out 
the provisions of title I of division A of the CARES Act 
(Public Law 116–136). 
(g) COLLECTION OF ADDITIONAL DATA.—The Ad-
ministrator shall collect and make publically available— 
(1) the number and dollar amount of loans ap-
proved and for or disbursed under 7(a)(36) of the 
Small Business Act (15 U.S.C. 636(a)(36)) to bor-
rowers broken out by lending institution, including a 
breakout of loans made by the lending institution by 
State, congressional district, demographics, industry, 
and loan size, and the number and percent of loan 
applicants that were new or existing customers of 
the lender; 
(2) the total amount of the lender compensation 
fees paid to each lender under such section 7(a)(36); 
(3) the total amount each lender paid in broker 
fees under such section 7(a)(36); and 
(4) to the extent practicable, detailed informa-
tion on processing times for— 
(A) loan approvals and loan disbursements 
under such section 7(a)(36); and
898 
(B) notices of forgiveness of the loans 
under section 1106 of the CARES Act (Public 
Law 116–136) to borrowers. 
(h) FORMAT OF REPORTED DATA.—Not later than 
30 days after the date of enactment of this Act, the Ad-
ministrator shall make available on a publicly available 
website in a standardized and downloadable format, and 
update on a monthly basis, any data contained in a report 
submitted under this section. 
SEC. 90017. FUNDING FOR RESOURCES AND SERVICES IN 
LANGUAGES OTHER THAN ENGLISH. 
Of the unobligated balances of amounts appropriated 
for salaries and expenses by section 1107(a)(2) of the 
CARES Act (Public Law 116–136), $25,000,000 shall be 
made available to carry out the requirements of section 
1111 of such Act. 
SEC. 90018. DIRECT APPROPRIATION. 
There is appropriated, out of amounts in the Treas-
ury not otherwise appropriated, for the fiscal year ending 
September 30, 2020, to remain available until September 
30, 2021— 
(1) $500,000,000 under the heading ‘‘Small 
Business Administration—Business Loans Program 
Account’’ to carry out the requirements of sections 
90010, 90011, and 90012 of this division;
899 
(2) $7,000,000 under the heading ‘‘Small Busi-
ness Administration—Business Loans Program Ac-
count’’ to carry out the requirements of section 
90014 of this division; and 
(3) $50,000,000 under the heading ‘‘Small 
Business Administration—Entrepreneurial Develop-
ment Programs’’ for technical assistance grants, as 
authorized under section 90014 of this division. 
DIVISION J—SUPPORT FOR ES-
SENTIAL WORKERS, AT-RISK 
INDIVIDUALS, FAMILIES, AND 
COMMUNITIES 
TITLE I—FAMILY CARE FOR 
ESSENTIAL WORKERS 
SEC. 100101. FAMILY CARE FOR ESSENTIAL WORKERS. 
(a) INCREASE IN FUNDING.— 
(1) IN
GENERAL.—The amount specified in 
subsection (c) of section 2003 of the Social Security 
Act for purposes of subsections (a) and (b) of such 
section is deemed to be $12,150,000,000 for fiscal 
year 2020, of which $850,000,000 shall be obligated 
by States during calendar year 2020 in accordance 
with subsection (b) of this section. 
(2) APPROPRIATION.—Out of any money in the 
Treasury of the United States not otherwise appro-
900 
priated, there are appropriated $850,000,000 for fis-
cal year 2020 to carry out this section. 
(b) RULES
GOVERNING
USE
OF
ADDITIONAL 
FUNDS.— 
(1) IN GENERAL.—Funds are used in accord-
ance with this subsection if— 
(A) the funds are used for— 
(i) child care services for a child of an 
essential worker; or 
(ii) daytime care services or other 
adult protective services for an individual 
who— 
(I) is a dependent, or a member 
of the household of, an essential work-
er; and 
(II) requires the services; 
(B) the funds are provided to reimburse an 
essential worker for the cost of obtaining the 
services (including child care services obtained 
on or after the date the Secretary of Health 
and Human Services declared a public health 
emergency pursuant to section 319 of the Pub-
lic Health Service Act on January 31, 2020, en-
titled ‘‘Determination that a Public Health 
Emergency Exists Nationwide as the Result of
901 
the 2019 Novel Coronavirus’’), to a provider of 
child care services, or to establish a temporary 
child care facility operated by a State or local 
government; 
(C) eligibility for the funds or services, and 
the amount of funds or services provided, is not 
conditioned on a means test; 
(D) the funds are used subject to the limi-
tations in section 2005 of the Social Security 
Act, except that, for purposes of this subpara-
graph— 
(i) paragraphs (3), (5), and (8) of sec-
tion 2005(a) of such Act shall not apply; 
and 
(ii)(I) 
the 
limitation 
in 
section 
2005(a)(7) of such Act shall not apply 
with respect to any standard which the 
State involved determines would impede 
the ability of the State to provide emer-
gency temporary care to a child, depend-
ent, or household member referred to in 
subparagraph (A) of this paragraph; and 
(II) if the State determines that such 
a standard would be so impeding, the 
State shall report the determination to the
902 
Secretary, separately from the annual re-
port to the Secretary by the State; 
(E) the funds are used to supplement, not 
supplant, State general revenue funds for child 
care assistance; and 
(F) the funds are not used for child care 
costs that are— 
(i) covered by funds provided under 
the Child Care and Development Block 
Grant Act of 1990 or section 418 of the 
Social Security Act; or 
(ii) reimbursable by the Federal 
Emergency Management Agency. 
(2) ESSENTIAL
WORKER
DEFINED.—In para-
graph (1), the term ‘‘essential worker’’ means— 
(A) a health sector employee; 
(B) an emergency response worker; 
(C) a sanitation worker; 
(D) a worker at a business which a State 
or local government official has determined 
must remain open to serve the public during the 
emergency referred to in paragraph (1)(B); and 
(E) any other worker who cannot telework, 
and whom the State deems to be essential dur-
903 
ing the emergency referred to in paragraph 
(1)(B). 
TITLE 
II—PANDEMIC 
EMER-
GENCY 
ASSISTANCE 
AND 
SERVICES 
SEC. 100201. FUNDING TO STATES, LOCALITIES, AND COM-
MUNITY-BASED ORGANIZATIONS FOR EMER-
GENCY AID AND SERVICES. 
(a) FUNDING FOR STATES.— 
(1) INCREASE IN FUNDING FOR SOCIAL SERV-
ICES BLOCK GRANT PROGRAM.— 
(A) APPROPRIATION.—Out of any money 
in the Treasury of the United States not other-
wise appropriated, there are appropriated 
$9,600,000,000, which shall be available for 
payments under section 2002 of the Social Se-
curity Act. 
(B) DEADLINE
FOR
DISTRIBUTION
OF 
FUNDS.—Within 45 days after the date of the 
enactment of this Act, the Secretary of Health 
and Human Services shall distribute the funds 
made available by this paragraph, which shall 
be made available to States on an emergency 
basis for immediate obligation and expenditure.
904 
(C) SUBMISSION
OF
REVISED
PRE-EX-
PENDITURE REPORT.—Within 90 days after a 
State receives funds made available by this 
paragraph, the State shall submit to the Sec-
retary a revised pre-expenditure report pursu-
ant to title XX of the Social Security Act that 
describes how the State plans to administer the 
funds. 
(D) OBLIGATION OF FUNDS BY STATES.— 
A State to which funds made available by this 
paragraph are distributed shall obligate the 
funds not later than December 31, 2020. 
(E) 
EXPENDITURE
OF
FUNDS
BY 
STATES.—A grantee to which a State (or a sub-
grantee to which a grantee) provides funds 
made available by this paragraph shall expend 
the funds not later than December 31, 2021. 
(2) RULES
GOVERNING
USE
OF
ADDITIONAL 
FUNDS.—A State to which funds made available by 
paragraph (1)(B) are distributed shall use the funds 
in accordance with the following: 
(A) PURPOSE.— 
(i) IN GENERAL.—The State shall use 
the funds only to support the provision of
905 
emergency services to disadvantaged chil-
dren, families, and households. 
(ii) DISADVANTAGED
DEFINED.—In 
this paragraph, the term ‘‘disadvantaged’’ 
means, with respect to an entity, that the 
entity— 
(I) is an individual, or is located 
in a community, that is experiencing 
material hardship; 
(II) is a household in which there 
is a child (as defined in section 12(d) 
of the Richard B. Russell National 
School Lunch Act) or a child served 
under section 11(a)(1) of such Act, 
who, if not for the closure of the 
school attended by the child during a 
public health emergency designation 
and due to concerns about a COVID– 
19 outbreak, would receive free or re-
duced price school meals pursuant to 
such Act; 
(III) is an individual, or is lo-
cated in a community, with barriers to 
employment; or
907 
(II) local government and com-
munity-based organizations. 
(ii) In the case of any other State and 
any State to which clause (i) applies that 
does not pass through funds as described 
in that clause, the State shall— 
(I) pass at least 50 percent of 
the funds through to— 
(aa)(AA) local governments 
that will expend or distribute the 
funds in consultation with com-
munity-based organizations with 
experience serving disadvantaged 
families or individuals; or 
(BB) community-based or-
ganizations with experience serv-
ing disadvantaged families and 
individuals; and 
(bb) sub-State areas in pro-
portions based on the population 
of disadvantaged individuals liv-
ing in the areas; and 
(II) report to the Secretary on 
how 
the 
State 
determined 
the
908 
amounts passed through pursuant to 
this clause. 
(C) METHODS.— 
(i) IN GENERAL.—The State shall use 
the funds only for— 
(I) administering emergency serv-
ices; 
(II) providing short-term cash, 
non-cash, or in-kind emergency dis-
aster relief; 
(III) providing services with dem-
onstrated need in accordance with ob-
jective criteria that are made available 
to the public; 
(IV) operational costs directly re-
lated to providing services described 
in subclauses (I), (II), and (III); 
(V) local government emergency 
social service operations; and 
(VI) providing emergency social 
services to rural and frontier commu-
nities that may not have access to 
other emergency funding streams. 
(ii) 
ADMINISTERING
EMERGENCY 
SERVICES
DEFINED.—In clause (i), the
909 
term ‘‘administering emergency services’’ 
means— 
(I) providing basic disaster relief, 
economic, and well-being necessities to 
ensure communities are able to safely 
observe shelter-in-place and social 
distancing orders; 
(II) providing necessary supplies 
such as masks, gloves, and soap, to 
protect the public against infectious 
disease; and 
(III) connecting individuals, chil-
dren, and families to services or pay-
ments for which they may already be 
eligible. 
(D) PROHIBITIONS.— 
(i) NO INDIVIDUAL ELIGIBILITY DE-
TERMINATIONS
BY
GRANTEES
OR
SUB-
GRANTEES.—Neither a grantee to which 
the State provides the funds nor any sub-
grantee of such a grantee may exercise in-
dividual eligibility determinations for the 
purpose of administering short-term, non- 
cash, in-kind emergency disaster relief to 
communities.
910 
(ii) APPLICABILITY OF CERTAIN SO-
CIAL SERVICES BLOCK GRANT FUNDS USE 
LIMITATIONS.—The State shall use the 
funds subject to the limitations in section 
2005 of the Social Security Act, except 
that, for purposes of this clause, section 
2005(a)(2) and 2005(a)(8) of such Act 
shall not apply. 
(iii) NO SUPPLANTATION OF CERTAIN 
STATE
FUNDS.—The State may use the 
funds to supplement, not supplant, State 
general revenue funds for social services. 
(iv) BAN ON USE FOR CERTAIN COSTS 
REIMBURSABLE BY FEMA.—The State may 
not use the funds for costs that are reim-
bursable by the Federal Emergency Man-
agement Agency, under a contract for in-
surance, or by self-insurance. 
(b) FUNDING FOR FEDERALLY RECOGNIZED INDIAN 
TRIBES AND TRIBAL ORGANIZATIONS.— 
(1) GRANTS.— 
(A) IN GENERAL.—Within 90 days after 
the date of the enactment of this Act, the Sec-
retary of Health and Human Services shall
911 
make grants to federally recognized Indian 
Tribes and Tribal organizations. 
(B) AMOUNT OF GRANT.—The amount of 
the grant for an Indian Tribe or Tribal organi-
zation shall bear the same ratio to the amount 
appropriated by paragraph (3) as the total 
amount of grants awarded to the Indian Tribe 
or Tribal organization under the Low-Income 
Home Energy Assistance Act of 1981 and the 
Community Service Block Grant for fiscal year 
2020 bears to the total amount of grants 
awarded to all Indian Tribes and Tribal organi-
zations under such Act and such Grant for the 
fiscal year. 
(2) RULES
GOVERNING
USE
OF
FUNDS.—An 
entity to which a grant is made under paragraph (1) 
shall obligate the funds not later than December 31, 
2020, and the funds shall be expended by grantees 
and subgrantees not later than December 31, 2021, 
and used in accordance with the following: 
(A) PURPOSE.— 
(i) IN GENERAL.—The grantee shall 
use the funds only to support the provision 
of emergency services to disadvantaged 
households.
912 
(ii) DISADVANTAGED
DEFINED.—In 
clause (i), the term ‘‘disadvantaged’’ 
means, with respect to an entity, that the 
entity— 
(I) is an individual, or is located 
in a community, that is experiencing 
material hardship; 
(II) is a household in which there 
is a child (as defined in section 12(d) 
of the Richard B. Russell National 
School Lunch Act) or a child served 
under section 11(a)(1) of such Act, 
who, if not for the closure of the 
school attended by the child during a 
public health emergency designation 
and due to concerns about a COVID– 
19 outbreak, would receive free or re-
duced price school meals pursuant to 
such Act; 
(III) is an individual, or is lo-
cated in a community, with barriers to 
employment; or 
(IV) is located in a community 
that, as of the date of the enactment
913 
of this Act, is not experiencing a 56- 
day downward trajectory of— 
(aa) influenza-like illnesses; 
(bb) COVID-like syndromic 
cases; 
(cc) documented COVID–19 
cases; or 
(dd) positive test results as 
a percentage of total COVID–19 
tests. 
(B) METHODS.— 
(i) IN GENERAL.—The grantee shall 
use the funds only for— 
(I) administering emergency serv-
ices; 
(II) providing short-term, non- 
cash, in-kind emergency disaster re-
lief; and 
(III) tribal emergency social serv-
ice operations. 
(ii) 
ADMINISTERING
EMERGENCY 
SERVICES
DEFINED.—In clause (i), the 
term ‘‘administering emergency services’’ 
means—
914 
(I) providing basic economic and 
well-being necessities to ensure com-
munities are able to safely observe 
shelter-in-place and social distancing 
orders; 
(II) providing necessary supplies 
such as masks, gloves, and soap, to 
protect the public against infectious 
disease; and 
(III) connecting individuals, chil-
dren, and families to services or pay-
ments for which they may already be 
eligible. 
(C) PROHIBITIONS.— 
(i) NO INDIVIDUAL ELIGIBILITY DE-
TERMINATIONS
BY
GRANTEES
OR
SUB-
GRANTEES.—Neither the grantee nor any 
subgrantee may exercise individual eligi-
bility determinations for the purpose of ad-
ministering short-term, non-cash, in-kind 
emergency disaster relief to communities. 
(ii) BAN ON USE FOR CERTAIN COSTS 
REIMBURSABLE
BY
FEMA.—The grantee 
may not use the funds for costs that are 
reimbursable by the Federal Emergency
915 
Management Agency, under a contract for 
insurance, or by self-insurance. 
(3) APPROPRIATION.—Out of any money in the 
Treasury of the United States not otherwise appro-
priated, there are appropriated to the Secretary of 
Health and Human Services $400,000,000 to carry 
out this subsection. 
SEC. 100202. EMERGENCY ASSISTANCE TO OLDER FOSTER 
YOUTH. 
(a) FUNDING INCREASES.— 
(1) GENERAL
PROGRAM.—The dollar amount 
specified in section 477(h)(1) of the Social Security 
Act for fiscal year 2020 is deemed to be 
$193,000,000. 
(2) EDUCATION
AND
TRAINING
VOUCHERS.— 
The dollar amount specified in section 477(h)(2) of 
such Act for fiscal year 2020 is deemed to be 
$78,000,000. 
(b) PROGRAMMATIC FLEXIBILITY.—With respect to 
the period that begins on March 1, 2020, and ends Janu-
ary 31, 2021: 
(1) ELIMINATION OF AGE LIMITATIONS ON ELI-
GIBILITY FOR ASSISTANCE.—Eligibility for services 
or assistance under a State program operated pursu-
ant to section 477 of the Social Security Act shall
916 
be provided without regard to the age of the recipi-
ent. 
(2) SUSPENSION OF WORK AND EDUCATION RE-
QUIREMENTS UNDER THE EDUCATION AND TRAIN-
ING VOUCHER PROGRAM.—Section 477(i)(3) of the 
Social Security Act shall be applied and adminis-
tered without regard to any work or education re-
quirement. 
(3) AUTHORITY TO WAIVE LIMITATION ON PER-
CENTAGE OF FUNDS USED FOR HOUSING ASSIST-
ANCE.—The Secretary of Health and Human Serv-
ices (in this subsection referred to as the ‘‘Sec-
retary’’) may apply and administer section 477 of 
the Social Security Act without regard to subsection 
(b)(3)(B) of such section. 
(4) ELIMINATION OF EDUCATION AND EMPLOY-
MENT
REQUIREMENTS
FOR
CERTAIN
FOSTER 
YOUTH.—The Secretary may waive the applicability 
of 
subclauses 
(I) 
through 
(IV) 
of 
section 
475(8)(B)(iv) of the Social Security Act. 
(c) STATE DEFINED.—In subsection (a), the term 
‘‘State’’ has the meaning given the term in section 
1101(a) of the Social Security Act for purposes of title 
IV of such Act, and includes an Indian tribe, tribal organi-
zation, or tribal consortium with an application and plan
917 
approved under section 477(j) of such Act for fiscal year 
2020. 
SEC. 
100203. 
EMERGENCY 
ASSISTANCE 
TO 
FAMILIES 
THROUGH HOME VISITING PROGRAMS. 
(a) IN GENERAL.—For purposes of section 511 of the 
Social Security Act, during the period that begins on Feb-
ruary 1, 2020, and ends January 31, 2021— 
(1) a virtual home visit shall be considered a 
home visit; 
(2) funding for, and staffing levels of, a pro-
gram conducted pursuant to such section shall not 
be reduced on account of reduced enrollment in the 
program; and 
(3) funds provided for such a program may be 
used— 
(A) to train home visitors in conducting a 
virtual home visit and in emergency prepared-
ness and response planning for families served; 
(B) for the acquisition by families enrolled 
in the program of such technological means as 
are needed to conduct and support a virtual 
home visit; 
(C) to provide emergency supplies (such as 
diapers, formula, non-perishable food, water,
918 
hand soap and hand sanitizer) to families 
served; and 
(D) to provide prepaid debit cards to an el-
igible family (as defined in section 511(k)(2) of 
such Act) for the purpose of enabling the family 
to meet the emergency needs of the family. 
(b) VIRTUAL HOME VISIT DEFINED.—In subsection 
(a), the term ‘‘virtual home visit’’ means a visit that is 
conducted solely by electronic means. 
(c) AUTHORITY TO DELAY DEADLINES.— 
(1) IN GENERAL.—The Secretary of Health and 
Human Services may extend the deadline by which 
a requirement of section 511 of the Social Security 
Act must be met, by such period of time as the Sec-
retary deems appropriate. 
(2) GUIDANCE.—The Secretary shall provide to 
eligible entities funded under section 511 of the So-
cial Security Act information on the parameters 
used in extending a deadline under paragraph (1) of 
this subsection. 
(d) SUPPLEMENTAL APPROPRIATION.—In addition 
to amounts otherwise appropriated, out of any money in 
the Treasury of the United States not otherwise appro-
priated, there are appropriated to the Secretary of Health 
and Human Services $100,000,000, to enable eligible enti-
919 
ties to conduct programs funded under section 511 of the 
Social Security Act pursuant to this section, which shall 
remain available for obligation not later than January 31, 
2021. 
TITLE 
III—PROGRAM 
FLEXI-
BILITY 
DURING 
THE 
PAN-
DEMIC 
SEC. 100301. EMERGENCY FLEXIBILITY FOR CHILD WEL-
FARE PROGRAMS. 
(a) IN GENERAL.—With respect to the period that 
begins on March 1, 2020, and ends January 31, 2021: 
(1) AUTHORITY
OF
STATES
TO
DETERMINE 
HOW
DAILY
ACTIVITIES
MAY
BE
CONDUCTED
RE-
MOTELY.—The Secretary of Health and Human 
Services may allow a State to determine how daily 
activities under the State plan developed under part 
B of title IV of the Social Security Act and the 
State program funded under section 477 of such Act 
may be conducted through electronic means to com-
ply with public health guidelines relating to social 
distancing, including conducting any required court 
proceedings pertaining to children in care. In mak-
ing any such determination, the State shall work to 
ensure that the safety and health of each child in 
care remains paramount.
920 
(2) COUNTING OF REMOTE CASEWORKER VISITS 
AS IN-PERSON VISITS.—In the case of a foster child 
who has attained 18 years of age and with respect 
to whom foster care maintenance payments are 
being made under a State plan approved under part 
E of title IV of the Social Security Act, caseworker 
contact with the child that includes visual and audi-
tory contact and which is conducted solely by elec-
tronic means is deemed an in-person visit to the 
child by the caseworker for purposes of section 
424(f)(1)(A) of such Act if the child is visited by the 
caseworker in person not less than once every 6 
months while in such care. 
(b) STATE DEFINED.—In subsection (a), the term 
‘‘State’’ has the meaning given the term in section 
1101(a) of the Social Security Act for purposes of title 
IV of such Act, and includes an Indian tribe, tribal organi-
zation, or tribal consortium with an application and plan 
approved under this section 477(j) of such Act for fiscal 
year 2020. 
SEC. 100302. EMERGENCY FLEXIBILITY FOR CHILD SUP-
PORT PROGRAMS. 
(a) IN GENERAL.—With respect to the period that 
begins on March 1, 2020, and ends January 31, 2021:
921 
(1) 
Sections 
408(a)(2), 
409(a)(5), 
and 
409(a)(8) of the Social Security Act shall have no 
force or effect. 
(2) Notwithstanding section 466(d) of such Act, 
the Secretary of Health and Human Services (in this 
subsection referred to as the ‘‘Secretary’’) may ex-
empt a State from any requirement of section 466 
of such Act to respond to the COVID–19 pandemic, 
except that the Secretary may not exempt a State 
from any requirement to— 
(A) provide a parent with notice of a right 
to request a review and, if appropriate, adjust-
ment of a support order; or 
(B) afford a parent the opportunity to 
make such a request. 
(3) The Secretary may not impose a penalty or 
take any other adverse action against a State pursu-
ant to section 452(g)(1) of such Act for failure to 
achieve a paternity establishment percentage of less 
than 90 percent. 
(4) The Secretary may not find that the pater-
nity establishment percentage for a State is not 
based on reliable data for purposes of section 
452(g)(1) of such Act, and the Secretary may not 
determine that the data which a State submitted
922 
pursuant to section 452(a)(4)(C)(i) of such Act and 
which is used in determining a performance level is 
not complete or reliable for purposes of section 
458(b)(5)(B) of such Act, on the basis of the failure 
of the State to submit OCSE Form 396 or 34 in a 
timely manner. 
(5) The Secretary may not impose a penalty or 
take any other adverse action against a State for 
failure to comply with section 454A(g)(1)(A)(i) of 
such Act. 
(6) The Secretary may not disapprove a State 
plan submitted pursuant to part D of title IV of 
such Act for failure of the plan to meet the require-
ment of section 454(1) of such Act, and may not im-
pose a penalty or take any other adverse action 
against a State with such a plan that meets that re-
quirement for failure to comply with that require-
ment. 
(7) To the extent that a preceding provision of 
this section applies with respect to a provision of law 
applicable to a program operated by an Indian tribe 
or tribal organization (as defined in subsections (e) 
and (l) of section 4 of the Indian Self-Determination 
and Education Assistance Act (25 U.S.C. 450b)),
923 
that preceding provision shall apply with respect to 
the Indian tribe or tribal organization. 
(b) STATE DEFINED.—In subsection (a), the term 
‘‘State’’ has the meaning given the term in section 
1101(a) of the Social Security Act for purposes of title 
IV of such Act. 
SEC. 100303. EMERGENCY FLEXIBILITY FOR STATE TANF 
PROGRAMS. 
(a) STATE PROGRAMS.—Sections 407(a), 407(e)(1), 
and 408(a)(7)(A) of the Social Security Act shall have no 
force or effect during the applicable period, and para-
graphs (3), (9), (14), and (15) of section 409(a) of such 
Act shall not apply with respect to conduct engaged in 
during the period. 
(b) TRIBAL PROGRAMS.—The minimum work partici-
pation requirements and time limits established under sec-
tion 412(c) of the Social Security Act shall have no force 
or effect during the applicable period, and the penalties 
established under such section shall not apply with respect 
to conduct engaged in during the period. 
(c) PENALTY FOR NONCOMPLIANCE.— 
(1) IN GENERAL.—If the Secretary of Health 
and Human Services finds that a State or an Indian 
tribe has imposed a work requirement as a condition 
of receiving assistance, or a time limit on the provi-
924 
sion of assistance, under a program funded under 
part A of title IV of the Social Security Act or any 
program funded with qualified State expenditures 
(as defined in section 409(a)(7)(B)(i) of such Act) 
during the applicable period, or has imposed a pen-
alty for failure to comply with a work requirement 
during the period, the Secretary shall reduce the 
grant payable to the State under section 403(a)(1) 
of such Act or the grant payable to the tribe under 
section 412(a)(1) of such Act, as the case may be, 
for fiscal year 2021 by an amount equal to 5 percent 
of the State or tribal family assistance grant, as the 
case may be. 
(2) APPLICABILITY OF CERTAIN PROVISIONS.— 
For purposes of section 409(d) of the Social Secu-
rity Act, paragraph (1) of this subsection shall be 
considered to be included in section 409(a) of such 
Act. 
(d) DEFINITIONS.—In this section: 
(1) APPLICABLE PERIOD.—The term ‘‘applica-
ble period’’ means the period that begins on March 
1, 2020, and ends January 31, 2021. 
(2) WORK REQUIREMENT.—The term ‘‘work re-
quirement’’ means a requirement to engage in a 
work activity (as defined in section 407(d) of the So-
925 
cial Security Act)or other work-related activity as 
defined by a State or tribal program funded under 
part A of title IV of such Act. 
(3) OTHER TERMS.—Each other term has the 
meaning given the term in section 419 of the Social 
Security Act. 
DIVISION K—COVID–19 HERO 
ACT 
SEC. 110001. SHORT TITLE; TABLE OF CONTENTS. 
This division may be cited as the ‘‘COVID–19 Hous-
ing, Economic Relief, and Oversight Act’’ or the ‘‘COVID– 
19 HERO Act’’. 
TITLE I—PROVIDING MEDICAL 
EQUIPMENT FOR FIRST RE-
SPONDERS 
AND 
ESSENTIAL 
WORKERS 
SEC. 110101. COVID–19 EMERGENCY MEDICAL SUPPLIES EN-
HANCEMENT. 
(a) DETERMINATION ON EMERGENCY SUPPLIES AND 
RELATIONSHIP TO STATE AND LOCAL EFFORTS.— 
(1) DETERMINATION.—For the purposes of sec-
tion 101 of the Defense Production Act of 1950 (50 
U.S.C. 4511), the following materials shall be 
deemed to be scarce and critical materials essential 
to the national defense and otherwise meet the re-
926 
quirements of section 101(b) of such Act during the 
COVID–19 emergency period: 
(A) Diagnostic tests, including serological 
tests, for COVID–19 and the reagents and 
other materials necessary for producing or con-
ducting such tests. 
(B) Personal protective equipment, includ-
ing face shields, N–95 respirator masks, and 
any other masks determined by the Secretary of 
Health and Human Services to be needed to re-
spond to the COVID–19 pandemic, and the ma-
terials to produce such equipment. 
(C) Medical ventilators, the components 
necessary to make such ventilators, and medi-
cines needed to use a ventilator as a treatment 
for any individual who is hospitalized for 
COVID–19. 
(D) Pharmaceuticals and any medicines 
determined by the Food and Drug Administra-
tion or another Government agency to be effec-
tive in treating COVID–19 (including vaccines 
for COVID–19) and any materials necessary to 
produce or use such pharmaceuticals or medi-
cines (including self-injection syringes or other 
delivery systems).
927 
(E) Any other medical equipment or sup-
plies determined by the Secretary of Health and 
Human Services or the Secretary of Homeland 
Security to be scarce and critical materials es-
sential to the national defense for purposes of 
section 101 of the Defense Production Act of 
1950 (50 U.S.C. 4511). 
(2) EXERCISE OF TITLE I AUTHORITIES IN RE-
LATION TO CONTRACTS BY STATE AND LOCAL GOV-
ERNMENTS.—In exercising authorities under title I 
of the Defense Production Act of 1950 (50 U.S.C. 
4511 et seq.) during the COVID–19 emergency pe-
riod, the President (and any officer or employee of 
the United States to which authorities under such 
title I have been delegated)— 
(A) may exercise the prioritization or allo-
cation authority provided in such title I to ex-
clude any materials described in paragraph (1) 
ordered by a State or local government that are 
scheduled to be delivered within 15 days of the 
time at which— 
(i) the purchase order or contract by 
the Federal Government for such materials 
is made; or
928 
(ii) the materials are otherwise allo-
cated by the Federal Government under 
the authorities contained in such Act; and 
(B) shall, within 24 hours of any exercise 
of the prioritization or allocation authority pro-
vided in such title I— 
(i) notify any State or local govern-
ment if the exercise of such authorities 
would delay the receipt of such materials 
ordered by such government; and 
(ii) take such steps as may be nec-
essary to ensure that such materials or-
dered by such government are delivered in 
the shortest possible period. 
(3) UPDATE
TO
THE
FEDERAL
ACQUISITION 
REGULATION.—Not later than 15 days after the 
date of the enactment of this Act, the Federal Ac-
quisition Regulation shall be revised to reflect the 
requirements of paragraph (2)(A). 
(b) ENGAGEMENT WITH THE PRIVATE SECTOR.— 
(1) SENSE OF CONGRESS.—The Congress— 
(A) appreciates the willingness of private 
companies not traditionally involved in pro-
ducing items for the health sector to volunteer 
to use their expertise and supply chains to
929 
produce essential medical supplies and equip-
ment; 
(B) encourages other manufacturers to re-
view their existing capacity and to develop ca-
pacity to produce essential medical supplies, 
medical equipment, and medical treatments to 
address the COVID–19 emergency; and 
(C) commends and expresses deep appre-
ciation to individual citizens who have been pro-
ducing personal protective equipment and other 
materials for, in particular, use at hospitals in 
their community. 
(2) OUTREACH REPRESENTATIVE.— 
(A) DESIGNATION.—Consistent with the 
authorities in title VII of the Defense Produc-
tion Act of 1950 (50 U.S.C. 4551 et seq.), the 
Administrator of the Federal Emergency Man-
agement Agency, in consultation with the Sec-
retary of Health and Human Services, shall 
designate or shall appoint, pursuant to section 
703 of such Act (50 U.S.C. 4553), an indi-
vidual to be known as the ‘‘Outreach Rep-
resentative’’. Such individual shall— 
(i) be appointed from among individ-
uals with substantial experience in the pri-
930 
vate sector in the production of medical 
supplies or equipment; and 
(ii) act as the Government-wide single 
point of contact during the COVID–19 
emergency for outreach to manufacturing 
companies and their suppliers who may be 
interested in producing medical supplies or 
equipment, including the materials de-
scribed under subsection (a). 
(B) ENCOURAGING
PARTNERSHIPS.—The 
Outreach Representative shall seek to develop 
partnerships between companies, in coordina-
tion with the Supply Chain Stabilization Task 
Force or any overall coordinator appointed by 
the President to oversee the response to the 
COVID–19 emergency, including through the 
exercise of the authorities under section 708 of 
the Defense Production Act of 1950 (50 U.S.C. 
4558). 
(c) ENHANCEMENT
OF SUPPLY CHAIN PRODUC-
TION.—In exercising authority under title III of the De-
fense Production Act of 1950 (50 U.S.C. 4531 et seq.) 
with respect to materials described in subsection (a), the 
President shall seek to ensure that support is provided to 
companies that comprise the supply chains for reagents,
931 
components, raw materials, and other materials and items 
necessary to produce or use the materials described in sub-
section (a). 
(d) OVERSIGHT
OF
CURRENT
ACTIVITY
AND 
NEEDS.— 
(1) RESPONSE TO IMMEDIATE NEEDS.— 
(A) IN GENERAL.—Not later than 7 days 
after the date of the enactment of this Act, the 
President, in coordination with the National 
Response Coordination Center of the Federal 
Emergency Management Agency, the Adminis-
trator of the Defense Logistics Agency, the Sec-
retary of Health and Human Services, the Sec-
retary of Veterans Affairs, and heads of other 
Federal agencies (as appropriate), shall submit 
to the appropriate congressional committees a 
report assessing the immediate needs described 
in subparagraph (B) to combat the COVID–19 
pandemic and the plan for meeting those imme-
diate needs. 
(B) ASSESSMENT.—The report required by 
this paragraph shall include— 
(i) an assessment of the needs for 
medical supplies or equipment necessary to 
address the needs of the population of the
932 
United States infected by the virus SARS– 
CoV–2 that causes COVID–19 and to pre-
vent an increase in the incidence of 
COVID–19 throughout the United States, 
including diagnostic tests, serological tests, 
medicines that have been approved by the 
Food and Drug Administration to treat 
COVID–19, and ventilators and medicines 
needed to employ ventilators; 
(ii) based on meaningful consultations 
with relevant stakeholders, an assessment 
of the need for personal protective equip-
ment and other supplies (including diag-
nostic tests) required by— 
(I) health professionals, health 
workers, and hospital staff; 
(II) workers in industries and 
sectors described in the ‘‘Advisory 
Memorandum on Identification of Es-
sential Critical Infrastructure Work-
ers during the COVID–19 Response’’ 
issued by the Director of Cybersecu-
rity and Infrastructure Security Agen-
cy of the Department of Homeland 
Security on April 17, 2020 (and any
933 
expansion of industries and sectors in-
cluded in updates to such advisory 
memorandum); and 
(III) other workers determined to 
be essential based on such consulta-
tion; 
(iii) an assessment of the quantities of 
equipment and supplies in the Strategic 
National Stockpile (established under sec-
tion 319F–2 of the Public Health Service 
Act ((42 U.S.C. 247d–6b(a)(1))) as of the 
date of the report, and the projected gap 
between the quantities of equipment and 
supplies identified as needed in the assess-
ment under clauses (i) and (ii) and the 
quantities in the Strategic National Stock-
pile; 
(iv) an identification of the industry 
sectors and manufacturers most ready to 
fulfill purchase orders for such equipment 
and supplies (including manufacturers that 
may be incentivized) through the exercise 
of authority under section 303(e) of the 
Defense Production Act of 1950 (50 
U.S.C. 4533(e)) to modify, expand, or im-
934 
prove production processes to manufacture 
such equipment and supplies to respond 
immediately to a need identified in clause 
(i) or (ii); 
(v) an identification of Government- 
owned and privately-owned stockpiles of 
such equipment and supplies not included 
in the Strategic National Stockpile that 
could be repaired or refurbished; 
(vi) an identification of previously dis-
tributed critical supplies that can be redis-
tributed based on current need; 
(vii) a description of any exercise of 
the authorities described under paragraph 
(1)(E) or (2)(A) of subsection (a); and 
(viii) an identification of critical areas 
of need, by county and by areas identified 
by the Indian Health Service, in the 
United States and the metrics and criteria 
for identification as a critical area. 
(C) PLAN.—The report required by this 
paragraph shall include a plan for meeting the 
immediate needs to combat the COVID–19 pan-
demic, including the needs described in sub-
paragraph (B). Such plan shall include—
935 
(i) each contract the Federal Govern-
ment has entered into to meet such needs, 
including the purpose of each contract, the 
type and amount of equipment, supplies, or 
services to be provided under the contract, 
the entity performing such contract, and 
the dollar amount of each contract; 
(ii) each contract that the Federal 
Government intends to enter into within 
14 days after submission of such report, 
including the information described in sub-
paragraph (B) for each such contract; and 
(iii) whether any of the contracts de-
scribed in clause (i) or (ii) have or will 
have a priority rating under the Defense 
Production Act of 1950 (50 U.S.C. 4501 
et seq.), including purchase orders pursu-
ant to Department of Defense Directive 
4400.1 (or any successor directive), sub-
part A of part 101 of title 45, Code of 
Federal Regulations, or any other applica-
ble authority. 
(D) ADDITIONAL
REQUIREMENTS.—The 
report required by this paragraph, and each up-
936 
date required by subparagraph (E), shall in-
clude— 
(i) any requests for equipment and 
supplies from State or local governments 
and Indian Tribes, and an accompanying 
list of the employers and unions consulted 
in developing these requests; 
(ii) any modeling or formulas used to 
determine allocation of equipment and sup-
plies, and any related chain of command 
issues on making final decisions on alloca-
tions; 
(iii) the amount and destination of 
equipment and supplies delivered; 
(iv) an explanation of why any portion 
of any contract, whether to replenish the 
Strategic National Stockpile or otherwise, 
will not be filled; 
(v) of products procured under this 
section, the percentage of such products 
that are used to replenish the Strategic 
National Stockpile, that are targeted to 
COVID–19 hotspots, and that are used for 
the commercial market;
937 
(vi) metrics, formulas, and criteria 
used to determine COVID–19 hotspots or 
areas of critical need for a State, county, 
or an area identified by the Indian Health 
Service; 
(vii) 
production 
and 
procurement 
benchmarks, where practicable; and 
(viii) results of the consultation with 
the relevant stakeholders required by sub-
paragraph (B)(ii). 
(E) UPDATES.—The President, in coordi-
nation with the National Response Coordination 
Center of the Federal Emergency Management 
Agency, the Administrator of the Defense Lo-
gistics Agency, the Secretary of Health and 
Human Services, the Secretary of Veterans Af-
fairs, and heads of other Federal agencies (as 
appropriate), shall update such report every 14 
days. 
(F) PUBLIC AVAILABILITY.—The President 
shall make the report required by this para-
graph and each update required by subpara-
graph (E) available to the public, including on 
a Government website. 
(2) RESPONSE TO LONGER-TERM NEEDS.—
938 
(A) IN GENERAL.—Not later than 14 days 
after the date of enactment of this Act, the 
President, in coordination with the National 
Response Coordination Center of the Federal 
Emergency Management Agency, the Adminis-
trator of the Defense Logistics Agency, the Sec-
retary of Health and Human Services, the Sec-
retary of Veterans Affairs, and heads of other 
Federal agencies (as appropriate), shall submit 
to the appropriate congressional committees a 
report containing an assessment of the needs 
described in subparagraph (B) to combat the 
COVID–19 pandemic and the plan for meeting 
such needs during the 6-month period begin-
ning on the date of submission of the report. 
(B) ASSESSMENT.—The report required by 
this paragraph shall include— 
(i) an assessment of the elements de-
scribe in clauses (i) through (v) and clause 
(viii) of paragraph (1)(B); and 
(ii) an assessment of needs related to 
COVID–19 vaccines and any additional 
services to address the COVID–19 pan-
demic, including services related to health 
surveillance to ensure that the appropriate
939 
level of contact tracing related to detected 
infections is available throughout the 
United States. 
(C) PLAN.—The report required by this 
paragraph shall include a plan for meeting the 
longer-term needs to combat the COVID–19 
pandemic, including the needs described in sub-
paragraph (B). This plan shall include— 
(i) a plan to exercise authorities under 
the Defense Production Act of 1950 (50 
U.S.C. 4501 et seq.) necessary to increase 
the production of the medical equipment, 
supplies, and services that are essential to 
meeting the needs identified in subpara-
graph (B), including the number of N–95 
respirator masks and other personal pro-
tective equipment needed, based on mean-
ingful consultations with relevant stake-
holders, by the private sector to resume 
economic activity and by the public and 
nonprofit sectors to significantly increase 
their activities; 
(ii) results of the consultations with 
the relevant stakeholders required by 
clause (i);
940 
(iii) an estimate of the funding and 
other measures necessary to rapidly ex-
pand manufacturing production capacity 
for such equipment and supplies, includ-
ing— 
(I) any efforts to expand, retool, 
or reconfigure production lines; 
(II) any efforts to establish new 
production lines through the purchase 
and installation of new equipment; or 
(III) the issuance of additional 
contracts, purchase orders, purchase 
guarantees, or other similar measures; 
(iv) each contract the Federal Govern-
ment has entered into to meet such needs 
or expand such production, the purpose of 
each contract, the type and amount of 
equipment, supplies, or services to be pro-
vided under the contract, the entity per-
forming such contract, and the dollar 
amount of each contract; 
(v) each contract that the Federal 
Government intends to enter into within 
14 days after submission of such report,
941 
including the information described in 
clause (iv) for each such contract; 
(vi) whether any of the contracts de-
scribed in clause (iv) or (v) have or will 
have a priority rating under the Defense 
Production Act of 1950 (50 U.S.C. 4501 
et seq.), including purchase orders pursu-
ant to Department of Defense Directive 
4400.1 (or any successor directive), sub-
part A of part 101 of title 45, Code of 
Federal Regulations, or any other applica-
ble authority; and 
(vii) the manner in which the Defense 
Production Act of 1950 (50 U.S.C. 4501 
et seq.) could be used to increase services 
necessary to combat the COVID–19 pan-
demic, including services described in sub-
paragraph (B)(ii). 
(D) UPDATES.—The President, in coordi-
nation with the National Response Coordination 
Center of the Federal Emergency Management 
Agency, the Administrator of the Defense Lo-
gistics Agency, the Secretary of Health and 
Human Services, the Secretary of Veterans Af-
fairs, and heads of other Federal agencies (as
942 
appropriate), shall update such report every 14 
days. 
(E) PUBLIC
AVAILABILITY.—The Presi-
dent shall make the report required by this sub-
section and each update required by subpara-
graph (D) available to the public, including on 
a Government website. 
(3) REPORT
ON
EXERCISING
AUTHORITIES 
UNDER THE DEFENSE PRODUCTION ACT OF 1950.— 
(A) IN GENERAL.—Not later than 14 days 
after the date of the enactment of this Act, the 
President, in consultation with the Adminis-
trator of the Federal Emergency Management 
Agency, the Secretary of Defense, and the Sec-
retary of Health and Human Services, shall 
submit to the appropriate congressional com-
mittees a report on the exercise of authorities 
under titles I, III, and VII of the Defense Pro-
duction Act of 1950 (50 U.S.C. 4501 et seq.) 
prior to the date of such report. 
(B) 
CONTENTS.—The 
report 
required 
under subparagraph (A) and each update re-
quired under subparagraph (C) shall include, 
with respect to each exercise of such author-
ity—
943 
(i) an explanation of the purpose of 
the applicable contract, purchase order, or 
other exercise of authority (including an 
allocation of materials, services, and facili-
ties under section 101(a)(2) of the Defense 
Production Act of 1950 (50 U.S.C. 
4511(a)(2)); 
(ii) the cost of such exercise of au-
thority; and 
(iii) if applicable— 
(I) the amount of goods that 
were purchased or allocated; 
(II) an identification of the entity 
awarded a contract or purchase order 
or that was the subject of the exercise 
of authority; and 
(III) an identification of any en-
tity that had shipments delayed by the 
exercise of any authority under the 
Defense Production Act of 1950 (50 
U.S.C. 4501 et seq.). 
(C) UPDATES.—The President shall up-
date the report required under subparagraph 
(A) every 14 days.
944 
(D) PUBLIC
AVAILABILITY.—The Presi-
dent shall make the report required by this sub-
section and each update required by subpara-
graph (C) available to the public, including on 
a Government website. 
(4) QUARTERLY
REPORTING.—The President 
shall submit to Congress, and make available to the 
public (including on a Government website), a quar-
terly report detailing all expenditures made pursuant 
to titles I, III, and VII of the Defense Production 
Act of 1950 50 U.S.C. 4501 et seq.). 
(5) SUNSET.—The requirements of this sub-
section shall terminate on the later of— 
(A) December 31, 2021; or 
(B) the end of the COVID–19 emergency 
period. 
(e) ENHANCEMENTS TO THE DEFENSE PRODUCTION 
ACT OF 1950.— 
(1) HEALTH EMERGENCY AUTHORITY.—Section 
107 of the Defense Production Act of 1950 (50 
U.S.C. 4517) is amended by adding at the end the 
following: 
‘‘(c) HEALTH EMERGENCY AUTHORITY.—With re-
spect to a public health emergency declaration by the Sec-
retary of Health and Human Services under section 319
945 
of the Public Health Service Act, or preparations for such 
a health emergency, the Secretary of Health and Human 
Services and the Administrator of the Federal Emergency 
Management Agency are authorized to carry out the au-
thorities provided under this section to the same extent 
as the President.’’. 
(2) EMPHASIS ON BUSINESS CONCERNS OWNED 
BY
WOMEN, MINORITIES, VETERANS, AND
NATIVE 
AMERICANS.—Section 108 of the Defense Produc-
tion Act of 1950 (50 U.S.C. 4518) is amended— 
(A) in the heading, by striking ‘‘MOD-
ERNIZATION
OF
SMALL
BUSINESS
SUP-
PLIERS’’ and inserting ‘‘SMALL
BUSINESS 
PARTICIPATION AND FAIR INCLUSION’’; 
(B) by amending subsection (a) to read as 
follows: 
‘‘(a) PARTICIPATION AND INCLUSION.— 
‘‘(1) IN GENERAL.—In providing any assistance 
under this Act, the President shall accord a strong 
preference for subcontractors and suppliers that 
are— 
‘‘(A) small business concerns; or 
‘‘(B) businesses of any size owned by 
women, minorities, veterans, and the disabled.
946 
‘‘(2) SPECIAL CONSIDERATION.—To the max-
imum extent practicable, the President shall accord 
the preference described under paragraph (1) to 
small business concerns and businesses described in 
paragraph (1)(B) that are located in areas of high 
unemployment or areas that have demonstrated a 
continuing pattern of economic decline, as identified 
by the Secretary of Labor.’’; and 
(C) by adding at the end the following: 
‘‘(c) MINORITY DEFINED.—In this section, the term 
‘minority’— 
‘‘(1) has the meaning given the term in section 
308(b) of the Financial Institutions Reform, Recov-
ery, and Enforcement Act of 1989; and 
‘‘(2) includes any indigenous person in the 
United States, including any territories of the 
United States.’’. 
(3) ADDITIONAL INFORMATION IN ANNUAL RE-
PORT.—Section 304(f)(3) of the Defense Production 
Act of 1950 (50 U.S.C. 4534(f)(3)) is amended by 
striking ‘‘year.’’ and inserting ‘‘year, including the 
percentage of contracts awarded using Fund 
amounts to each of the groups described in section 
108(a)(1)(B) (and, with respect to minorities, 
disaggregated by ethnic group), and the percentage
947 
of the total amount expended during such fiscal year 
on such contracts.’’. 
(4) DEFINITION OF NATIONAL DEFENSE.—Sec-
tion 702(14) of the Defense Production Act of 1950 
is amended by striking ‘‘and critical infrastructure 
protection and restoration’’ and inserting ‘‘, critical 
infrastructure protection and restoration, and health 
emergency preparedness and response activities’’. 
(f) SECURING ESSENTIAL MEDICAL MATERIALS.— 
(1) STATEMENT OF POLICY.—Section 2(b) of 
the Defense Production Act of 1950 (50 U.S.C. 
4502) is amended— 
(A) 
by 
redesignating 
paragraphs 
(3) 
through (8) as paragraphs (4) through (9), re-
spectively; and 
(B) by inserting after paragraph (2) the 
following: 
‘‘(3) authorities under this Act should be used 
when appropriate to ensure the availability of med-
ical materials essential to national defense, including 
through measures designed to secure the drug sup-
ply chain, and taking into consideration the impor-
tance of United States competitiveness, scientific 
leadership and cooperation, and innovative capac-
ity;’’.
948 
(2) STRENGTHENING DOMESTIC CAPABILITY.— 
Section 107 of the Defense Production Act of 1950 
(50 U.S.C. 4517) is amended— 
(A) in subsection (a), by inserting ‘‘(in-
cluding medical materials)’’ after ‘‘materials’’; 
and 
(B) in subsection (b)(1), by inserting ‘‘(in-
cluding medical materials such as drugs to di-
agnose, cure, mitigate, treat, or prevent disease 
that essential to national defense)’’ after ‘‘es-
sential materials’’. 
(3) STRATEGY ON SECURING SUPPLY CHAINS 
FOR
MEDICAL
ARTICLES.—Title I of the Defense 
Production Act of 1950 (50 U.S.C. 4511 et seq.) is 
amended by adding at the end the following: 
‘‘SEC. 109. STRATEGY ON SECURING SUPPLY CHAINS FOR 
MEDICAL MATERIALS. 
‘‘(a) IN GENERAL.—Not later than 180 days after 
the date of the enactment of this section, the President, 
in consultation with the Secretary of Health and Human 
Services, the Secretary of Commerce, the Secretary of 
Homeland Security, and the Secretary of Defense, shall 
transmit a strategy to the appropriate Members of Con-
gress that includes the following:
949 
‘‘(1) A detailed plan to use the authorities 
under this title and title III, or any other provision 
of law, to ensure the supply of medical materials (in-
cluding drugs to diagnose, cure, mitigate, treat, or 
prevent disease) essential to national defense, to the 
extent necessary for the purposes of this Act. 
‘‘(2) An analysis of vulnerabilities to existing 
supply chains for such medical articles, and rec-
ommendations to address the vulnerabilities. 
‘‘(3) Measures to be undertaken by the Presi-
dent to diversify such supply chains, as appropriate 
and as required for national defense. 
‘‘(4) A discussion of— 
‘‘(A) any significant effects resulting from 
the plan and measures described in this sub-
section on the production, cost, or distribution 
of vaccines or any other drugs (as defined 
under section 201 of the Federal Food, Drug, 
and Cosmetic Act (21 U.S.C. 321)); 
‘‘(B) a timeline to ensure that essential 
components of the supply chain for medical ma-
terials are not under the exclusive control of a 
foreign government in a manner that the Presi-
dent determines could threaten the national de-
fense of the United States; and
950 
‘‘(C) efforts to mitigate any risks resulting 
from the plan and measures described in this 
subsection to United States competitiveness, 
scientific leadership, and innovative capacity, 
including efforts to cooperate and proactively 
engage with United States allies. 
‘‘(b) PROGRESS REPORT.—Following submission of 
the strategy under subsection (a), the President shall sub-
mit to the appropriate Members of Congress an annual 
progress report evaluating the implementation of the 
strategy, and may include updates to the strategy as ap-
propriate. The strategy and progress reports shall be sub-
mitted in unclassified form but may contain a classified 
annex. 
‘‘(c) APPROPRIATE MEMBERS OF CONGRESS.—The 
term ‘appropriate Members of Congress’ means the 
Speaker, majority leader, and minority leader of the 
House of Representatives, the majority leader and minor-
ity leader of the Senate, the Chairman and Ranking Mem-
ber of the Committees on Armed Services and Financial 
Services of the House of Representatives, and the Chair-
man and Ranking Member of the Committees on Armed 
Services and Banking, Housing, and Urban Affairs of the 
Senate.’’. 
(g) GAO REPORT.—
951 
(1) IN
GENERAL.—Not later than 270 days 
after the date of the enactment of this Act, and an-
nually thereafter, the Comptroller General of the 
United States shall submit to the appropriate con-
gressional committees a report on ensuring that the 
United States Government has access to the medical 
supplies and equipment necessary to respond to fu-
ture pandemics and public health emergencies, in-
cluding recommendations with respect to how to en-
sure that the United States supply chain for diag-
nostic tests (including serological tests), personal 
protective equipment, vaccines, and therapies is bet-
ter equipped to respond to emergencies, including 
through the use of funds in the Defense Production 
Act Fund under section 304 of the Defense Produc-
tion Act of 1950 (50 U.S.C. 4534) to address short-
ages in that supply chain. 
(2) REVIEW OF ASSESSMENT AND PLAN.— 
(A) IN GENERAL.—Not later than 30 days 
after each of the submission of the reports de-
scribed in paragraphs (1) and (2) of subsection 
(d), the Comptroller General of the United 
States shall submit to the appropriate congres-
sional committees an assessment of such re-
ports, including identifying any gaps and pro-
952 
viding any recommendations regarding the sub-
ject matter in such reports. 
(B) MONTHLY REVIEW.—Not later than a 
month after the submission of the assessment 
under subparagraph (A), and monthly there-
after, the Comptroller General shall issue a re-
port to the appropriate congressional commit-
tees with respect to any updates to the reports 
described in paragraph (1) and (2) of sub-
section (d) that were issued during the previous 
1-month period, containing an assessment of 
such updates, including identifying any gaps 
and providing any recommendations regarding 
the subject matter in such updates. 
(h) DEFINITIONS.—In this section: 
(1) APPROPRIATE
CONGRESSIONAL
COMMIT-
TEES.—The term ‘‘appropriate congressional com-
mittees’’ means the Committees on Appropriations, 
Armed Services, Energy and Commerce, Financial 
Services, Homeland Security, and Veterans’ Affairs 
of the House of Representatives and the Committees 
on Appropriations, Armed Services, Banking, Hous-
ing, and Urban Affairs, Health, Education, Labor, 
and Pensions, Homeland Security and Governmental 
Affairs, and Veterans’ Affairs of the Senate.
953 
(2) COVID–19 
EMERGENCY
PERIOD.—The 
term ‘‘COVID–19 emergency period’’ means the pe-
riod beginning on the date of enactment of this Act 
and ending after the end of the incident period for 
the emergency declared on March 13, 2020, by the 
President under Section 501 of the Robert T. Staf-
ford Disaster Relief and Emergency Assistance Act 
(42 U.S.C. 4121 et seq.) relating to the Coronavirus 
Disease 2019 (COVID–19) pandemic. 
(3) RELEVANT STAKEHOLDER.—The term ‘‘rel-
evant stakeholder’’ means— 
(A) representative private sector entities; 
(B) representatives of the nonprofit sector; 
and 
(C) representatives of labor organizations 
representing workers, including unions that rep-
resent health workers, manufacturers, public 
sector employees, and service sector workers. 
(4) STATE.—The term ‘‘State’’ means each of 
the several States, the District of Columbia, the 
Commonwealth of Puerto Rico, and any territory or 
possession of the United States.
954 
TITLE 
II—PROTECTING 
RENT-
ERS 
AND 
HOMEOWNERS 
FROM EVICTIONS AND FORE-
CLOSURES 
SEC. 110201. EMERGENCY RENTAL ASSISTANCE. 
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to the Secretary of Housing 
and Urban Development (referred to in this section as the 
‘‘Secretary’’) $100,000,000,000 for an additional amount 
for grants under the Emergency Solutions Grants pro-
gram under subtitle B of title IV of the McKinney-Vento 
Homeless Assistance Act (42 U.S.C. 11371 et seq.), to 
remain available until expended (subject to subsections (d) 
and (n) of this section), to be used for providing short- 
or medium-term assistance with rent and rent-related 
costs (including tenant-paid utility costs, utility- and rent- 
arrears, fees charged for those arrears, and security and 
utility deposits) in accordance with paragraphs (4) and (5) 
of section 415(a) of such Act (42 U.S.C. 11374(a)) and 
this section. 
(b) DEFINITION OF AT RISK OF HOMELESSNESS.— 
Notwithstanding section 401(1) of the McKinney-Vento 
Homeless Assistance Act (42 U.S.C. 11360(1)), for pur-
poses of assistance made available with amounts made 
available pursuant to subsection (a), the term ‘‘at risk of
955 
homelessness’’ means, with respect to an individual or 
family, that the individual or family— 
(1) has an income below 80 percent of the me-
dian income for the area as determined by the Sec-
retary; and 
(2) has an inability to attain or maintain hous-
ing stability or has insufficient resources to pay for 
rent or utilities due to financial hardships. 
(c) INCOME TARGETING AND CALCULATION.—For 
purposes of assistance made available with amounts made 
available pursuant to subsection (a)— 
(1) each recipient of such amounts shall use— 
(A) not less than 40 percent of the 
amounts received only for providing assistance 
for individuals or families experiencing home-
lessness, or for persons or families at risk of 
homelessness who have incomes not exceeding 
30 percent of the median income for the area 
as determined by the Secretary; 
(B) not less than 70 percent of the 
amounts received only for providing assistance 
for individuals or families experiencing home-
lessness, or for persons or families at risk of 
homelessness who have incomes not exceeding
956 
50 percent of the median income for the area 
as determined by the Secretary; and 
(C) the remainder of the amounts received 
only for providing assistance to individuals or 
families experiencing homelessness, or for per-
sons or families at risk of homelessness who 
have incomes not exceeding 80 percent of the 
median income for the area as determined by 
the Secretary, but such recipient may establish 
a higher percentage limit for purposes of sub-
section (b)(1), which shall not in any case ex-
ceed 120 percent of the area median income, if 
the recipient states that it will serve such popu-
lation in its plan; and 
(2) in determining the income of a household 
for homelessness prevention assistance— 
(A) the calculation of income performed at 
the time of application for such assistance, in-
cluding arrearages, shall consider only income 
that the household is currently receiving at such 
time and any income recently terminated shall 
not be included; 
(B) any calculation of income performed 
with respect to households receiving ongoing as-
sistance (such as medium-term rental assist-
957 
ance) 3 months after initial receipt of assist-
ance shall consider only the income that the 
household is receiving at the time of such re-
view; and 
(C) the calculation of income performed 
with respect to households receiving assistance 
for arrearages shall consider only the income 
that the household was receiving at the time 
such arrearages were incurred. 
(d) 3-YEAR AVAILABILITY.— 
(1) IN GENERAL.—Each recipient of amounts 
made available pursuant to subsection (a) shall— 
(A) expend not less than 60 percent of 
such grant amounts within 2 years of the date 
that such funds became available to the recipi-
ent for obligation; and 
(B) expend 100 percent of such grant 
amounts within 3 years of such date. 
(2) REALLOCATION AFTER 2 YEARS.—The Sec-
retary may recapture any amounts not expended in 
compliance with paragraph (1)(A) and reallocate 
such amounts to recipients in compliance with the 
formula referred to in subsection (h)(1)(A). 
(e) RENT RESTRICTIONS.—
958 
(1) INAPPLICABILITY.—Section 576.106(d) of 
title 24, Code of Federal Regulations, shall not 
apply with respect to homelessness prevention assist-
ance made available with amounts made available 
under subsection (a). 
(2) AMOUNT OF RENTAL ASSISTANCE.—In pro-
viding homelessness prevention assistance with 
amounts made available under subsection (a), the 
maximum amount of rental assistance that may be 
provided shall be the greater of— 
(A) 120 percent of the higher of— 
(i) the Fair Market Rent established 
by the Secretary for the metropolitan area 
or county; or 
(ii) the applicable Small Area Fair 
Market Rent established by the Secretary; 
or 
(B) such higher amount as the Secretary 
shall determine is needed to cover market rents 
in the area. 
(f) SUBLEASES.—A recipient shall not be prohibited 
from providing assistance authorized under subsection (a) 
with respect to subleases that are valid under State law. 
(g) HOUSING RELOCATION OR STABILIZATION AC-
TIVITIES.—A recipient of amounts made available pursu-
959 
ant to subsection (a) may expend up to 25 percent of its 
allocation for activities under section 415(a)(5) of the 
McKinney-Vento Homeless Assistance Act (42 U.S.C. 
11374(a)(5)), except that notwithstanding such section, 
activities authorized under this subsection may be pro-
vided only for individuals or families who have incomes 
not exceeding 50 percent of the area median income and 
meet the criteria in subsection (b)(2) of this section or 
section 103 of the McKinney-Vento Homeless Assistance 
Act (42 U.S.C. 11302). This subsection shall not apply 
to rent-related costs that are specifically authorized under 
subsection (a) of this section. 
(h) ALLOCATION OF ASSISTANCE.— 
(1) IN GENERAL.—In allocating amounts made 
available pursuant to subsection (a), the Secretary 
shall— 
(A)(i) for any purpose authorized in this 
section— 
(I) allocate 2 percent of such amount 
for Indian tribes and tribally designated 
housing entities (as such terms are defined 
in section 4 of the Native American Hous-
ing Assistance and Self-Determination Act 
of 1996 (25 U.S.C. 4103)) under the for-
mula established pursuant to section 302
960 
of such Act (25 U.S.C. 4152), except that 
0.3 percent of the amount allocated under 
this clause shall be allocated for the De-
partment of Hawaiian Home Lands; and 
(II) allocate 0.3 percent of such 
amount for the Virgin Islands, Guam, 
American Samoa, and the Northern Mar-
iana Islands; 
(ii) not later than 30 days after the date 
of enactment of this Act, obligate and disburse 
the amounts allocated pursuant to clause (i) in 
accordance with such allocations and provide 
such recipient with any necessary guidance for 
use of the funds; and 
(B)(i) not later than 7 days after the date 
of enactment of this Act and after setting aside 
amounts under subparagraph (A), allocate 50 
percent of any such remaining amounts under 
the formula specified in subsections (a), (b), 
and (e) of section 414 of the McKinney-Vento 
Homeless Assistance Act (42 U.S.C. 11373) 
for, and notify, each State, metropolitan city, 
and urban county that is to receive a direct 
grant of such amounts; and
961 
(ii) not later than 30 days after the date 
of enactment of this Act, obligate and disburse 
the amounts allocated pursuant to clause (i) in 
accordance with such allocations and provide 
such recipient with any necessary guidance for 
use of the funds; and 
(C)(i) not later than 45 days after the date 
of enactment of this Act, allocate any remaining 
amounts for eligible recipients according to a 
formula to be developed by the Secretary that 
takes into consideration the formula referred to 
in subparagraph (A) and the need for emer-
gency rental assistance under this section, in-
cluding the severe housing cost burden among 
extremely low- and very low-income renters and 
disruptions in housing and economic conditions, 
including unemployment; and 
(ii) not later than 30 days after the date 
of the allocation of such amounts pursuant to 
clause (i), obligate and disburse such amounts 
in accordance with such allocations. 
(2) ALLOCATIONS TO STATES.— 
(A) IN
GENERAL.—Notwithstanding sub-
section (a) of section 414 of the McKinney- 
Vento Homeless Assistance Act (42 U.S.C.
962 
11373(a)) and section 576.202(a) of title 24, 
Code of Federal Regulations, a State recipient 
of an allocation under this section may elect to 
use up to 100 percent of its allocation to carry 
out activities eligible under this section directly. 
(B) REQUIREMENT.—Any State recipient 
making an election described in subparagraph 
(A) shall serve households throughout the entire 
State, including households in rural commu-
nities and small towns. 
(3) ELECTION NOT TO ADMINISTER.—If a re-
cipient other than a State elects not to receive funds 
under this section, such funds shall be allocated to 
the State recipient in which the recipient is located. 
(4) PARTNERSHIPS, SUBGRANTS, AND
CON-
TRACTS.—A recipient of a grant under this section 
may distribute funds through partnerships, sub-
grants, or contracts with an entity, such as a public 
housing agency (as such term is defined in section 
3(b) of the United States Housing Act of 1937 (42 
U.S.C. 1437a(b))), that is capable of carrying activi-
ties under this section. 
(5) REVISION TO RULE.—The Secretary shall 
revise section 576.3 of tile 24, Code of Federal Reg-
963 
ulations, to change the set aside for allocation to the 
territories to exactly 0.3 percent. 
(i) INAPPLICABILITY
OF
MATCHING
REQUIRE-
MENT.—Subsection (a) of section 416 of the McKinney- 
Vento Homeless Assistance Act (42 U.S.C. 11375(a)) 
shall not apply to any amounts made available pursuant 
to subsection (a) of this section. 
(j) REIMBURSEMENT
OF ELIGIBLE ACTIVITIES.— 
Amounts made available pursuant to subsection (a) may 
be used by a recipient to reimburse expenditures incurred 
for eligible activities under this section after March 27, 
2020. 
(k) PROHIBITION ON PREREQUISITES.—None of the 
funds made available pursuant to this section may be used 
to require any individual receiving assistance under the 
program under this section to receive treatment or per-
form any other prerequisite activities as a condition for 
receiving shelter, housing, or other services. 
(l) WAIVERS AND ALTERNATIVE REQUIREMENTS.— 
(1) IN GENERAL.— 
(A) AUTHORITY.—In administering the 
amounts made available pursuant to subsection 
(a), the Secretary may waive, or specify alter-
native requirements for, any provision of any 
statute or regulation that the Secretary admin-
964 
isters in connection with the obligation by the 
Secretary or the use by the recipient of such 
amounts (except for requirements related to fair 
housing, nondiscrimination, labor standards, 
prohibition on prerequisites, minimum data re-
porting, and the environment), if the Secretary 
finds that good cause exists for the waiver or 
alternative requirement and such waiver or al-
ternative requirement is necessary to expedite 
the use of funds made available pursuant to 
this section, to respond to public health orders 
or conditions related to the COVID-19 emer-
gency, or to ensure that eligible individuals can 
attain or maintain housing stability. 
(B) PUBLIC NOTICE.—The Secretary shall 
notify the public through the Federal Register 
or other appropriate means of any waiver or al-
ternative requirement under this paragraph, 
and that such public notice shall be provided, at 
a minimum, on the internet at the appropriate 
Government website or through other electronic 
media, as determined by the Secretary. 
(C) ELIGIBILITY
REQUIREMENTS.—Eligi-
bility for rental assistance or housing relocation 
and stabilization services shall not be restricted
965 
based upon the prior receipt of assistance under 
the program during the preceding three years. 
(2) PUBLIC HEARINGS.— 
(A) INAPPLICABILITY OF IN-PERSON HEAR-
ING
REQUIREMENTS
DURING
THE
COVID-19 
EMERGENCY.— 
(i) IN GENERAL.—A recipient under 
this section shall not be required to hold 
in-person public hearings in connection 
with its citizen participation plan, but shall 
provide citizens with notice, including pub-
lication of its plan for carrying out this 
section on the internet, and a reasonable 
opportunity to comment of not less than 5 
days. 
(ii) 
RESUMPTION
OF
IN-PERSON 
HEARING
REQUIREMENTS.—After the pe-
riod beginning on the date of enactment of 
this Act and ending on the date of the ter-
mination by the Federal Emergency Man-
agement Agency of the emergency declared 
on March 13, 2020, by the President 
under the Robert T. Stafford Disaster Re-
lief and Emergency Assistance Act (42 
U.S.C. 4121 et seq.) relating to the
966 
Coronavirus Disease 2019 (COVID-19) 
pandemic, and after the period described 
in subparagraph (B), the Secretary shall 
direct recipients under this section to re-
sume pre-crisis public hearing require-
ments. 
(B) VIRTUAL PUBLIC HEARINGS.— 
(i) IN GENERAL.—During the period 
that national or local health authorities 
recommend social distancing and limiting 
public gatherings for public health reasons, 
a recipient may fulfill applicable public 
hearing requirements for all grants from 
funds made available pursuant to this sec-
tion by carrying out virtual public hear-
ings. 
(ii) 
REQUIREMENTS.—Any 
virtual 
hearings held under clause (i) by a recipi-
ent under this section shall provide reason-
able notification and access for citizens in 
accordance with the recipient’s certifi-
cations, timely responses from local offi-
cials to all citizen questions and issues, 
and public access to all questions and re-
sponses.
967 
(m) CONSULTATION.—In addition to any other cit-
izen participation and consultation requirements, in devel-
oping and implementing a plan to carry out this section, 
each recipient of funds made available pursuant to this 
section shall consult with the applicable Continuum or 
Continuums of Care for the area served by the recipient 
and organizations representing underserved communities 
and populations and organizations with expertise in af-
fordable housing, fair housing, and services for people with 
disabilities. 
(n) ADMINISTRATION.— 
(1) BY
SECRETARY.—Of any amounts made 
available pursuant to subsection (a)— 
(A) not more than the lesser of 0.5 per-
cent, or $15,000,000, may be used by the Sec-
retary for staffing, training, technical assist-
ance, technology, monitoring, research, and 
evaluation activities necessary to carry out the 
program carried out under this section, and 
such amounts shall remain available until Sep-
tember 30, 2024; and 
(B) not more than $2,000,000 shall be 
available to the Office of the Inspector General 
for audits and investigations of the program au-
thorized under this section.
968 
(2) BY RECIPIENTS.—Notwithstanding section 
576.108 of title 24 of the Code of Federal Regula-
tions, with respect to amounts made available pursu-
ant to this section, a recipient may use up to 10 per-
cent of the recipient’s grant for payment of adminis-
trative costs related to the planning and execution of 
activities. 
SEC. 110202. HOMEOWNER ASSISTANCE FUND. 
(a) DEFINITIONS.—In this section: 
(1) FUND.—The term ‘‘Fund’’ means the 
Homeowner Assistance Fund established under sub-
section (b). 
(2) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of the Treasury. 
(3) STATE.—The term ‘‘State’’ means any 
State of the United States, the District of Columbia, 
any territory of the United States, Puerto Rico, 
Guam, American Samoa, the Virgin Islands, and the 
Northern Mariana Islands. 
(b) ESTABLISHMENT
OF FUND.—There is estab-
lished at the Department of the Treasury a Homeowner 
Assistance Fund to provide such funds as are made avail-
able under subsection (g) to State housing finance agen-
cies for the purpose of preventing homeowner mortgage 
defaults, foreclosures, and displacements of individuals
969 
and families experiencing financial hardship after January 
21, 2020. 
(c) ALLOCATION OF FUNDS.— 
(1) ADMINISTRATION.—Of any amounts made 
available for the Fund, the Secretary of the Treas-
ury may allocate, in the aggregate, an amount not 
exceeding 5 percent— 
(A) to the Office of Financial Stability es-
tablished under section 101(a) of the Emer-
gency Economic Stabilization Act of 2008 (12 
U.S.C. 5211(a)) to administer and oversee the 
Fund, and to provide technical assistance to 
States for the creation and implementation of 
State programs to administer assistance from 
the Fund; and 
(B) to the Inspector General of the De-
partment of the Treasury for oversight of the 
program under this section. 
(2) FOR STATES.—The Secretary shall establish 
such criteria as are necessary to allocate the funds 
available within the Fund for each State. The Sec-
retary shall allocate such funds among all States 
taking into consideration the number of unemploy-
ment claims within a State relative to the nationwide 
number of unemployment claims.
970 
(3) SMALL STATE MINIMUM.—The amount allo-
cated for each State shall not be less than 
$250,000,000. 
(4) SET-ASIDE FOR INSULAR AREAS.—Notwith-
standing any other provision of this section, of the 
amounts appropriated under subsection (g), the Sec-
retary shall reserve $200,000,000 to be disbursed to 
Guam, American Samoa, the Virgin Islands, and the 
Northern Mariana Islands based on each such terri-
tory’s share of the combined total population of all 
such territories, as determined by the Secretary. For 
the purposes of this paragraph, population shall be 
determined based on the most recent year for which 
data are available from the United States Census 
Bureau. 
(5) SET-ASIDE FOR INDIAN TRIBES AND NATIVE 
HAWAIIANS.— 
(A) INDIAN TRIBES.—Notwithstanding any 
other provision of this section, of the amounts 
appropriated under subsection (g), the Sec-
retary shall use 5 percent to make grants in ac-
cordance with subsection (f) to eligible recipi-
ents for the purposes described in subsection 
(e)(1).
971 
(B) NATIVE HAWAIIANS.— Of the funds 
set aside under subparagraph (A), the Sec-
retary shall use 0.3 percent to make grants to 
the Department of Hawaiian Home Lands in 
accordance with subsection (f) for the purposes 
described in subsection (e)(1). 
(d) DISBURSEMENT OF FUNDS.— 
(1) ADMINISTRATION.—Except for amounts 
made available for assistance under subsection (f), 
State housing finance agencies shall be primarily re-
sponsible for administering amounts disbursed from 
the Fund, but may delegate responsibilities and sub- 
allocate amounts to community development finan-
cial institutions and State agencies that administer 
Low-Income Home Energy Assistance Program of 
the Department of Health and Human Services. 
(2) NOTICE OF FUNDING.—The Secretary shall 
provide public notice of the amounts that will be 
made available to each State and the method used 
for determining such amounts not later than the ex-
piration of the 14-day period beginning on the date 
of the enactment of this Act of enactment. 
(3) SHFA PLANS.— 
(A) ELIGIBILITY.—To be eligible to receive 
funding allocated for a State under the section,
972 
a State housing finance agency for the State 
shall submit to the Secretary a plan for the im-
plementation of State programs to administer, 
in part or in full, the amount of funding the 
state is eligible to receive, which shall provide 
for the commencement of receipt of applications 
by homeowners for assistance, and funding of 
such applications, not later than the expiration 
of the 6-month period beginning upon the ap-
proval under this paragraph of such plan. 
(B) MULTIPLE PLANS.—. A State housing 
finance agency may submit multiple plans, each 
covering a separate portion of funding for 
which the State is eligible. 
(C) TIMING.— The Secretary shall approve 
or disapprove a plan within 30 days after the 
plan’s submission and, if disapproved, explain 
why the plan could not be approved. 
(D) DISBURSEMENT
UPON
APPROVAL.— 
The Secretary shall disburse to a State housing 
finance agency the appropriate amount of fund-
ing upon approval of the agency’s plan. 
(E) AMENDMENTS.—A State housing fi-
nance agency may subsequently amend a plan 
that has previously been approved, provided
973 
that any plan amendment shall be subject to 
the approval of the Secretary. The Secretary 
shall approve any plan amendment or dis-
approve such amendment explain why the plan 
amendment could not be approved within 45 
days after submission to the Secretary of such 
amendment. 
(F) TECHNICAL
ASSISTANCE.—The Sec-
retary shall provide technical assistance for any 
State housing finance agency that twice fails to 
have a submitted plan approved. 
(4) PLAN
TEMPLATES.—The Secretary shall, 
not later than 30 days after the date of the enact-
ment of this Act, publish templates that States may 
utilize in drafting the plans required under para-
graph (3)(A). The template plans shall include 
standard program terms and requirements, as well 
as any required legal language, which State housing 
finance agencies may modify with the consent of the 
Secretary. 
(e) PERMISSIBLE USES OF FUND.— 
(1) IN
GENERAL.—Funds made available to 
State housing finance agencies pursuant to this sec-
tion may be used for the purposes established under 
subsection (b), which may include—
974 
(A) mortgage payment assistance, includ-
ing financial assistance to allow a borrower to 
reinstate their mortgage or to achieve a more 
affordable mortgage payment, which may in-
clude principal reduction or rate reduction, pro-
vided that any mortgage payment assistance is 
tailored to a borrower’s needs and their ability 
to repay, and takes into consideration the loss 
mitigation options available to the borrower; 
(B) assistance with payment of taxes, haz-
ard insurance, flood insurance, mortgage insur-
ance, or homeowners’ association fees; 
(C) utility payment assistance, including 
electric, gas, water, and internet service, includ-
ing broadband internet access service (as such 
term is defined in section 8.1(b) of title 47, 
Code of Federal Regulations (or any successor 
regulation)); 
(D) reimbursement of funds expended by a 
State or local government during the period be-
ginning on January 21, 2020, and ending on 
the date that the first funds are disbursed by 
the State under the Fund, for the purpose of 
providing housing or utility assistance to indi-
viduals or otherwise providing funds to prevent
975 
foreclosure or eviction of a homeowner or pre-
vent mortgage delinquency or loss of housing or 
critical utilities as a response to the coronavirus 
disease 2019 (COVID–19) pandemic; and 
(E) any other assistance for homeowners 
to prevent eviction, mortgage delinquency or de-
fault, foreclosure, or the loss of essential utility 
services. 
(2) TARGETING.— 
(A) REQUIREMENT.—Not less than 60 per-
cent of amounts made available for each State 
or other entity allocated amounts under sub-
section (c) shall be used for activities under 
paragraph (1) that assist homeowners having 
incomes equal to or less than 80 percent of the 
area median income. 
(B) DETERMINATION OF INCOME.— In de-
termining the income of a household for pur-
poses of this paragraph, income shall be consid-
ered to include only income that the household 
is receiving at the time of application for assist-
ance from the Fund and any income recently 
terminated shall not be included, except that for 
purposes of households receiving assistance for 
arrearages income shall include only the income
976 
that the household was receiving at the time 
such arrearages were incurred. 
(C) LANGUAGE ASSISTANCE.—Each State 
housing finance agency or other entity allocated 
amounts under subsection (c) shall make avail-
able to each applicant for assistance from 
amounts from the Fund language assistance in 
any language for which such language assist-
ance is available to the State housing finance 
agency or entity in and shall provide notice to 
each such applicant that such language assist-
ance is available. 
(3) ADMINISTRATIVE
EXPENSES.—Not more 
than 15 percent of the amount allocated to a State 
pursuant to subsection (c) may be used by a State 
housing financing agency for administrative ex-
penses. Any amounts allocated to administrative ex-
penses that are no longer necessary for administra-
tive expenses may be used in accordance with para-
graph (1). 
(f) TRIBAL AND NATIVE HAWAIIAN ASSISTANCE.— 
(1) DEFINITIONS.—In this subsection: 
(A) DEPARTMENT
OF
HAWAIIAN
HOME 
LANDS.—The term ‘‘Department of Hawaiian 
Home Lands’’ has the meaning given the term
977 
in section 801 of the Native American Housing 
Assistance and Self-Determination Act of 1996 
(42 U.S.C. 4221). 
(B) ELIGIBLE RECIPIENT.—The term ‘‘eli-
gible recipient’’ means any entity eligible to re-
ceive a grant under section 101 of the Native 
American Housing Assistance and Self-Deter-
mination Act of 1996 (25 U.S.C. 4111). 
(2) REQUIREMENTS.— 
(A) ALLOCATION.—Except for the funds 
set aside under subsection (c)(5)(B), the Sec-
retary shall allocate the funds set aside under 
subsection (c)(5)(A) using the allocation for-
mula described in subpart D of part 1000 of 
title 24, Code of Federal Regulations (or any 
successor regulations). 
(B) NATIVE
HAWAIIANS.—The Secretary 
shall use the funds made available under sub-
section (c)(5)(B) in accordance with part 1006 
of title 24, Code of Federal Regulations (or suc-
cessor regulations). 
(3) TRANSFER.—The Secretary shall transfer 
any funds made available under subsection (c)(5) 
that have not been allocated by an eligible recipient 
or the Department of Hawaiian Home Lands, as ap-
978 
plicable, to provide the assistance described in sub-
section (e)(1) by December 31, 2030, to the Sec-
retary of Housing and Urban Development to carry 
out the Native American Housing Assistance and 
Self-Determination Act of 1996 (25 U.S.C. 4101 et 
seq.). 
(g) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to the Homeowner Assist-
ance 
Fund 
established 
under 
subsection 
(b), 
$75,000,000,000, to remain available until expended. 
(h) USE OF HOUSING FINANCE AGENCY INNOVATION 
FUND
FOR
THE HARDEST HIT HOUSING MARKETS 
FUNDS.—A State housing finance agency may reallocate 
any administrative or programmatic funds it has received 
as an allocation from the Housing Finance Agency Inno-
vation Fund for the Hardest Hit Housing Markets created 
pursuant to section 101(a) of the Emergency Economic 
Stabilization Act of 2008 (12 U.S.C. 5211(a)) that have 
not been otherwise allocated or disbursed as of the date 
of enactment of this Act to supplement any administrative 
or programmatic funds received from the Housing Assist-
ance Fund. Such reallocated funds shall not be considered 
when allocating resources from the Housing Assistance 
Fund using the process established under subsection (c) 
and shall remain available for the uses permitted and
979 
under the terms and conditions established by the contract 
with Secretary created pursuant to subsection (d)(1) and 
the terms of subsection (i). 
(i) REPORTING
REQUIREMENTS.—The Secretary 
shall provide public reports not less frequently than quar-
terly regarding the use of funds provided by the Home-
owner Assistance Fund. Such reports shall include the fol-
lowing data by State and by program within each State, 
both for the past quarter and throughout the life of the 
program— 
(1) the amount of funds allocated; 
(2) the amount of funds disbursed; 
(3) the number of households and individuals 
assisted; 
(4) the acceptance rate of applicants; 
(5) the type or types of assistance provided to 
each household; 
(6) whether the household assisted had a feder-
ally backed loan and identification of the Federal en-
tity backing such loan; 
(7) the average amount of funding provided per 
household receiving assistance and per type of as-
sistance provided; 
(8) the average number of monthly payments 
that were covered by the funding amount that a
980 
household received, as applicable, disaggregated by 
type of assistance provided; 
(9) the income level of each household receiving 
assistance; and 
(10) the outcome 12 months after the house-
hold has received assistance. 
Each report under this subsection shall disaggregate the 
information provided under paragraphs (3) through (10) 
by State, zip code, racial and ethnic composition of the 
household, and whether or not the person from the house-
hold applying for assistance speaks English as a second 
language. 
SEC. 110203. PROTECTING RENTERS AND HOMEOWNERS 
FROM EVICTIONS AND FORECLOSURES. 
(a) EVICTION MORATORIUM.—The CARES Act is 
amended by striking section 4024 (15 U.S.C. 9058; Public 
Law 116–136; 134 Stat. 492) and inserting the following 
new section: 
‘‘SEC. 4024. TEMPORARY MORATORIUM ON EVICTION FIL-
INGS. 
‘‘(a) CONGRESSIONAL
FINDINGS.—The Congress 
finds that— 
‘‘(1) according to the 2018 American Commu-
nity Survey, 36 percent of households in the United
981 
States—more than 43 million households—are rent-
ers; 
‘‘(2) in 2019 alone, renters in the United States 
paid $512 billion in rent; 
‘‘(3) according to the Joint Center for Housing 
Studies of Harvard University, 20.8 million renters 
in the United States spent more than 30 percent of 
their incomes on housing in 2018 and 10.9 million 
renters spent more than 50 percent of their incomes 
on housing in the same year; 
‘‘(4) according to data from the Department of 
Labor, more than 30 million people have filed for 
unemployment since the COVID-19 pandemic began; 
‘‘(5) the impacts of the spread of COVID-19, 
which is now considered a global pandemic, are ex-
pected to negatively impact the incomes of poten-
tially millions of renter households, making it dif-
ficult for them to pay their rent on time; and 
‘‘(6) evictions in the current environment would 
increase homelessness and housing instability which 
would be counterproductive towards the public 
health goals of keeping individuals in their homes to 
the greatest extent possible. 
‘‘(b) MORATORIUM.—During the period beginning on 
the date of the enactment of this Act and ending 12
982 
months after such date of enactment, the lessor of a cov-
ered dwelling located in such State may not make, or 
cause to be made, any filing with the court of jurisdiction 
to initiate a legal action to recover possession of the cov-
ered dwelling from the tenant for nonpayment of rent or 
other fees or charges. 
‘‘(c) DEFINITIONS.—For purposes of this section, the 
following definitions shall apply: 
‘‘(1) COVERED DWELLING.—The term ‘covered 
dwelling’ means a dwelling that is occupied by a ten-
ant— 
‘‘(A) pursuant to a residential lease; or 
‘‘(B) without a lease or with a lease ter-
minable at will under State law. 
‘‘(2) DWELLING.—The term ‘dwelling’ has the 
meaning given such term in section 802 of the Fair 
Housing Act (42 U.S.C. 3602) and includes houses 
and dwellings described in section 803(b) of such 
Act (42 U.S.C. 3603(b)). 
‘‘(d) NOTICE TO VACATE AFTER MORATORIUM EXPI-
RATION DATE.—After the expiration of the period de-
scribed in subsection (b), the lessor of a covered dwelling 
may not require the tenant to vacate the covered dwelling 
by reason of nonpayment of rent or other fees or charges 
before the expiration of the 30-day period that begins
983 
upon the provision by the lessor to the tenant, after the 
expiration of the period described in subsection (b), of a 
notice to vacate the covered dwelling.’’. 
(b) MORTGAGE RELIEF.— 
(1) FORBEARANCE AND FORECLOSURE MORA-
TORIUM FOR COVERED MORTGAGE LOANS.—Section 
4022 of the CARES Act (15 U.S.C. 9056) is 
amended— 
(A) by striking ‘‘Federally backed mort-
gage loan’’ each place such term appears and 
inserting ‘‘covered mortgage loan’’; and 
(B) in subsection (a)— 
(i) by amending paragraph (2) to read 
as follows: 
‘‘(2) COVERED
MORTGAGE
LOAN.—The term 
‘covered mortgage loan’ means any credit trans-
action that is secured by a mortgage, deed of trust, 
or other equivalent consensual security interest on a 
1- to 4-unit dwelling or on residential real property 
that includes a 1- to 4-unit dwelling, except that it 
shall not include a credit transaction under an open 
end credit plan other than a reverse mortgage.’’; and 
(ii) by adding at the end the fol-
lowing:
984 
‘‘(3) COVERED
PERIOD.—With respect to a 
loan, the term ‘covered period’ means the period be-
ginning on the date of enactment of this Act and 
ending 12 months after such date of enactment.’’. 
(2) AUTOMATIC
FORBEARANCE
FOR
DELIN-
QUENT
BORROWERS.—Section 
4022(c) 
of 
the 
CARES Act (15 U.S.C. 9056(c)), as amended by 
paragraph (5) of this subsection, is further amended 
by adding at the end the following: 
‘‘(9) AUTOMATIC
FORBEARANCE
FOR
DELIN-
QUENT BORROWERS.— 
‘‘(A) IN GENERAL.—Notwithstanding any 
other law governing forbearance relief— 
‘‘(i) any borrower whose covered mort-
gage loan became 60 days delinquent be-
tween March 13, 2020, and the date of en-
actment of this paragraph, and who has 
not already received a forbearance under 
subsection (b), shall automatically be 
granted a 60-day forbearance that begins 
on the date of enactment of this para-
graph, provided that a borrower shall not 
be considered delinquent for purposes of 
this paragraph while making timely pay-
ments or otherwise performing under a
985 
trial modification or other loss mitigation 
agreement; and 
‘‘(ii) any borrower whose covered 
mortgage loan becomes 60 days delinquent 
between the date of enactment of this 
paragraph and the end of the covered pe-
riod, and who has not already received a 
forbearance under subsection (b), shall 
automatically be granted a 60-day forbear-
ance that begins on the 60th day of delin-
quency, provided that a borrower shall not 
be considered delinquent for purposes of 
this paragraph while making timely pay-
ments or otherwise performing under a 
trial modification or other loss mitigation 
agreement. 
‘‘(B) INITIAL EXTENSION.—An automatic 
forbearance provided under subparagraph (A) 
shall be extended for up to an additional 120 
days upon the borrower’s request, oral or writ-
ten, submitted to the borrower’s servicer affirm-
ing that the borrower is experiencing a financial 
hardship that prevents the borrower from mak-
ing timely payments on the covered mortgage
986 
loan due, directly or indirectly, to the COVID– 
19 emergency. 
‘‘(C) SUBSEQUENT
EXTENSION.—A for-
bearance extended under subparagraph (B) 
shall be extended for up to an additional 180 
days, up to a maximum of 360 days (including 
the period of automatic forbearance), upon the 
borrower’s request, oral or written, submitted to 
the borrower’s servicer affirming that the bor-
rower is experiencing a financial hardship that 
prevents the borrower from making timely pay-
ments on the covered mortgage loan due, di-
rectly or indirectly, to the COVID–19 emer-
gency. 
‘‘(D) RIGHT TO ELECT TO CONTINUE MAK-
ING PAYMENTS.—With respect to a forbearance 
provided under this paragraph, the borrower of 
such loan may elect to continue making regular 
payments on the loan. A borrower who makes 
such election shall be offered a loss mitigation 
option pursuant to subsection (d) within 30 
days of resuming regular payments to address 
any payment deficiency during the forbearance. 
‘‘(E) RIGHT
TO
SHORTEN
FORBEAR-
ANCE.—At a borrower’s request, any period of
987 
forbearance provided under this paragraph may 
be shortened. A borrower who makes such a re-
quest shall be offered a loss mitigation option 
pursuant to subsection (d) within 30 days of re-
suming regular payments to address any pay-
ment deficiency during the forbearance. 
‘‘(10) AUTOMATIC FORBEARANCE FOR CERTAIN 
REVERSE MORTGAGE LOANS.— 
‘‘(A) IN
GENERAL.—When any covered 
mortgage loan which is also a federally-insured 
reverse mortgage loan, during the covered pe-
riod, is due and payable due to the death of the 
last borrower or end of a deferral period or eli-
gible to be called due and payable due to a 
property charge default, or if the borrower de-
faults on a property charge repayment plan, or 
if the borrower defaults for failure to complete 
property repairs, or if an obligation of the bor-
rower under the Security Instrument is not per-
formed, the mortgagee automatically shall be 
granted a six-month extension of— 
‘‘(i) the mortgagee’s deadline to re-
quest due and payable status from the De-
partment of Housing and Urban Develop-
ment;
988 
‘‘(ii) the mortgage’s deadline to send 
notification to the mortgagor or his or her 
heirs that the loan is due and payable; 
‘‘(iii) the deadline to initiate fore-
closure; 
‘‘(iv) any reasonable diligence period 
related to foreclosure or the Mortgagee Op-
tional Election; 
‘‘(v) if applicable, the deadline to ob-
tain the due and payable appraisal; and 
‘‘(vi) any claim submission deadline, 
including the 6-month acquired property 
marketing period. 
‘‘(B) FORBEARANCE PERIOD.—The mort-
gagee shall not request due and payable status 
from the Secretary of Housing and Urban De-
velopment nor initiate foreclosure during this 
six-month period described under subparagraph 
(A), which shall be considered a forbearance pe-
riod. 
‘‘(C) EXTENSION.—A forbearance provided 
under subparagraph (B) and related deadline 
extension authorized under subparagraph (A) 
shall be extended for an additional 180 days 
upon—
989 
‘‘(i) the borrower’s request, oral or 
written, 
submitted 
to 
the 
borrower’s 
servicer affirming that the borrower is ex-
periencing a financial hardship that pre-
vents the borrower from making payments 
on property charges, completing property 
repairs, or performing an obligation of the 
borrower under the Security Instrument 
due, directly or indirectly, to the COVID– 
19 emergency; 
‘‘(ii) a non-borrowing spouse’s re-
quest, oral or written, submitted to the 
servicer affirming that the non-borrowing 
spouse has been unable to satisfy all cri-
teria for the Mortgagee Optional Election 
program due, directly or indirectly, to the 
COVID-19 emergency, or to perform all 
actions necessary to become an eligible 
non-borrowing spouse following the death 
of all borrowers; or 
‘‘(iii) a successor-in-interest of the 
borrower’s request, oral or written, sub-
mitted to the servicer affirming the heir’s 
difficulty satisfying the reverse mortgage
990 
loan due, directly or indirectly, to the 
COVID-19 emergency. 
‘‘(D) CURTAILMENT
OF
DEBENTURE
IN-
TEREST.—Where any covered mortgage loan 
which is also a federally insured reverse mort-
gage loan is in default during the covered pe-
riod and subject to a prior event which provides 
for curtailment of debenture interest in connec-
tion with a claim for insurance benefits, the 
curtailment of debenture interest shall be sus-
pended during any forbearance period provided 
herein.’’. 
(3) ADDITIONAL FORECLOSURE AND REPOSSES-
SION
PROTECTIONS.—Section 
4022(c) 
of 
the 
CARES Act (15 U.S.C. 9056(c)) is amended— 
(A) in paragraph (2), by striking ‘‘may not 
initiate any judicial or non-judicial foreclosure 
process, move for a foreclosure judgment or 
order of sale, or execute a foreclosure-related 
eviction or foreclosure sale for not less than the 
60-day period beginning on March 18, 2020’’ 
and inserting ‘‘may not initiate or proceed with 
any judicial or non-judicial foreclosure process, 
schedule a foreclosure sale, move for a fore-
closure judgment or order of sale, execute a
991 
foreclosure related eviction or foreclosure sale 
for six months after the date of enactment of 
the COVID–19 HERO Act’’; and 
(B) by adding at the end the following: 
‘‘(3) REPOSSESSION MORATORIUM.—In the case 
of personal property, including any recreational or 
motor vehicle, used as a dwelling, no person may use 
any judicial or non-judicial procedure to repossess or 
otherwise take possession of such property for six 
months after date of enactment of this paragraph.’’. 
(4) MORTGAGE FORBEARANCE REFORMS.—Sec-
tion 4022 of the CARES Act (15 U.S.C. 9056) is 
amended— 
(A) in subsection (b), by striking para-
graphs (1), (2), and (3) and inserting the fol-
lowing: 
‘‘(1) IN GENERAL.—During the covered period, 
a borrower with a covered mortgage loan who has 
not obtained automatic forbearance pursuant to this 
section and who is experiencing a financial hardship 
that prevents the borrower from making timely pay-
ments on the covered mortgage loan due, directly or 
indirectly, to the COVID–19 emergency may request 
forbearance on the loan, regardless of delinquency 
status, by—
992 
‘‘(A) submitting a request, orally or in 
writing, to the servicer of the loan; and 
‘‘(B) affirming that the borrower is experi-
encing a financial hardship that prevents the 
borrower from making timely payments on the 
covered mortgage loan due, directly or indi-
rectly, to the COVID–19 emergency. 
‘‘(2) DURATION OF FORBEARANCE.— 
‘‘(A) IN GENERAL.—Upon a request by a 
borrower to a servicer for forbearance under 
paragraph (1), such forbearance shall be grant-
ed by the servicer for the period requested by 
the borrower, up to an initial length of 180 
days, the length of which shall be extended by 
the servicer, at the request of the borrower for 
the period or periods requested, for a total for-
bearance period of up to 12-months. 
‘‘(B) 
MINIMUM
FORBEARANCE 
AMOUNTS.—For purposes of granting a forbear-
ance under this paragraph, a servicer may 
grant an initial forbearance with a term of not 
less than 90 days, provided that it is automati-
cally extended for an additional 90 days unless 
the servicer confirms the borrower does not 
want to renew the forbearance or that the bor-
993 
rower is no longer experiencing a financial 
hardship that prevents the borrower from mak-
ing timely mortgage payments due, directly or 
indirectly, to the COVID–19 emergency. 
‘‘(C) 
RIGHT
TO
SHORTEN
FORBEAR-
ANCE.—At a borrower’s request, any period of 
forbearance described under this paragraph 
may be shortened. A borrower who makes such 
a request shall be offered a loss mitigation op-
tion pursuant to subsection (d) within 30 days 
of resuming regular payments to address any 
payment deficiency during the forbearance. 
‘‘(3) ACCRUAL
OF
INTEREST
OR
FEES.—A 
servicer shall not charge a borrower any fees, pen-
alties, or interest (beyond the amounts scheduled or 
calculated as if the borrower made all contractual 
payments on time and in full under the terms of the 
mortgage contract) in connection with a forbearance, 
provided that a servicer may offer the borrower a 
modification option at the end of a forbearance pe-
riod granted hereunder that includes the capitaliza-
tion of past due principal and interest and escrow 
payments as long as the borrower’s principal and in-
terest payment under such modification remains at 
or below the contractual principal and interest pay-
994 
ments owed under the terms of the mortgage con-
tract before such forbearance period except as the 
result of a change in the index of an adjustable rate 
mortgage. 
‘‘(4) COMMUNICATION WITH SERVICERS.—Any 
communication between a borrower and a servicer 
described under this section may be made in writing 
or orally, at the borrower’s choice. 
‘‘(5) COMMUNICATION WITH BORROWERS WITH 
A
DISABILITY.—Upon request from a borrower, 
servicers shall communicate with borrowers who 
have a disability in the borrower’s preferred method 
of communication. For purposes of this paragraph, 
the term ‘disability’ has the meaning given that term 
in the Fair Housing Act, the Americans with Dis-
abilities Act of 1990, or the Rehabilitation Act of 
1973.’’; and 
(B) in subsection (c), by amending para-
graph (1) to read as follows: 
‘‘(1) 
NO
DOCUMENTATION
REQUIRED.—A 
servicer of a covered mortgage loan shall not require 
any documentation with respect to a forbearance 
under this section other than the borrower’s affirma-
tion (oral or written) to a financial hardship that 
prevents the borrower from making timely payments
995 
on the covered mortgage loan due, directly or indi-
rectly, to the COVID–19 emergency. An oral request 
for forbearance and oral affirmation of hardship by 
the borrower shall be sufficient for the borrower to 
obtain or extend a forbearance.’’. 
(5) OTHER SERVICER REQUIREMENTS DURING 
FORBEARANCE.—Section 4022(c) of the CARES Act 
(15 U.S.C. 9056(c)), as amended by paragraph (3) 
of this subsection, is further amended by adding at 
the end the following: 
‘‘(4) FORBEARANCE
TERMS
NOTICE.—Within 
30 days of a servicer of a covered mortgage loan 
providing forbearance to a borrower under sub-
section (b) or paragraph (9) or (10), or 10 days if 
the forbearance is for a term of less than 60 days, 
but only where the forbearance was provided in re-
sponse to a borrower’s request for forbearance or 
when an automatic forbearance was initially pro-
vided under paragraph (9) or (10), and not when an 
existing forbearance is automatically extended, the 
servicer shall provide the borrower with a notice in 
accordance with the terms in paragraph (5). 
‘‘(5) CONTENTS OF NOTICE.—The written no-
tice required under paragraph (4) shall state in 
plain language—
996 
‘‘(A) the specific terms of the forbearance; 
‘‘(B) the beginning and ending dates of the 
forbearance; 
‘‘(C) that the borrower is eligible for up to 
12 months of forbearance; 
‘‘(D) that the borrower may request an ex-
tension of the forbearance unless the borrower 
will have reached the maximum period at the 
end of the forbearance; 
‘‘(E) that the borrower may request that 
the initial or extended period be shortened at 
any time; 
‘‘(F) that the borrower should contact the 
servicer before the end of the forbearance pe-
riod; 
‘‘(G) a description of the loss mitigation 
options that may be available to the borrower at 
the end of the forbearance period based on the 
borrower’s specific loan; 
‘‘(H) information on how to find a housing 
counseling agency approved by the Department 
of Housing and Urban Development; 
‘‘(I) in the case of a forbearance provided 
pursuant to paragraph (9) or (10), that the for-
bearance was automatically provided and how
997 
to contact the servicer to make arrangements 
for further assistance, including any renewal; 
and 
‘‘(J) where applicable, that the forbearance 
is subject to an automatic extension including 
the terms of any such automatic extensions and 
when any further extension would require a bor-
rower request. 
‘‘(6) TREATMENT
OF
ESCROW
ACCOUNTS.— 
During any forbearance provided under this section, 
a servicer shall pay or advance funds to make dis-
bursements in a timely manner from any escrow ac-
count established on the covered mortgage loan. 
‘‘(7) NOTIFICATION FOR BORROWERS.—During 
the period that begins 90 days after the date of the 
enactment of this paragraph and ends at the end of 
the covered period, each servicer of a covered mort-
gage loan shall be required to— 
‘‘(A) make available in a clear and con-
spicuous manner on their webpage accurate in-
formation, in English and Spanish, for bor-
rowers regarding the availability of forbearance 
as provided under subsection (b); and 
‘‘(B) notify every borrower whose pay-
ments on a covered mortgage loan are delin-
998 
quent in any oral communication with or to the 
borrower that the borrower may be eligible to 
request forbearance as provided under sub-
section (b), except that such notice shall not be 
required if the borrower already has requested 
forbearance under subsection (b). 
‘‘(8) CERTAIN TREATMENT UNDER RESPA.—As 
long as a borrower’s payment on a covered mortgage 
loan was not more than 30 days delinquent on 
March 13, 2020, a servicer may not deem the bor-
rower as delinquent while a forbearance granted 
under subsection (b) is in effect for purposes of the 
application of sections 6 and 10 of the Real Estate 
Settlement Procedures Act and any applicable regu-
lations.’’. 
(6) POST-FORBEARANCE LOSS MITIGATION.— 
(A) AMENDMENT TO CARES ACT.—Section 
4022 of the CARES Act (15 U.S.C. 9056) is 
amended by adding at the end the following: 
‘‘(d) POST-FORBEARANCE LOSS MITIGATION.— 
‘‘(1) NOTICE OF AVAILABILITY OF ADDITIONAL 
FORBEARANCE.—With respect to any covered mort-
gage loan as to which forbearance under this section 
has been granted and not otherwise extended, in-
cluding by automatic extension, a servicer shall, no
999 
later than 30 days before the end of the forbearance 
period, in writing, notify the borrower that addi-
tional forbearance may be available and how to re-
quest such forbearance, except that no such notice 
is required where the borrower already has requested 
an extension of the forbearance period, is subject to 
automatic 
extension 
pursuant 
to 
subsection 
(b)(2)(B), or no additional forbearance is available. 
‘‘(2) LOSS MITIGATION OFFER BEFORE EXPIRA-
TION OF FORBEARANCE.—No later than 30 days be-
fore the end of any forbearance period that has not 
been extended or 30 days after a request by a con-
sumer to terminate the forbearance, which time shall 
be before the servicer initiates or engages in any 
foreclosure activity listed in subsection (c)(2), in-
cluding incurring or charging to a borrower any fees 
or corporate advances related to a foreclosure, the 
servicer shall, in writing— 
‘‘(A) offer the borrower a loss mitigation 
option, without the charging of any fees or pen-
alties other than interest, such that the bor-
rower’s principal and interest payment remains 
the same as it was prior to the forbearance, 
subject to any adjustment of the index pursuant
1000 
to the terms of an adjustable rate mortgage, 
and that either— 
‘‘(i) defers the payment of total ar-
rearages, including any escrow advances, 
to the end of the existing term of the loan, 
without the charging or collection of any 
additional 
interest 
on 
the 
deferred 
amounts; or 
‘‘(ii) extends the term of the mortgage 
loan, and capitalizes, defers, or forgives all 
escrow advances and other arrearages; 
provided, however, that the servicer may offer 
the borrower a loss mitigation option that re-
duces the principal and interest payment on the 
loan and capitalizes, defers, or forgives all es-
crow advances or arrearages if the servicer has 
information indicating that the borrower cannot 
resume the pre-forbearance mortgage payments; 
and 
‘‘(B) concurrent with the loss mitigation 
offer in subparagraph (A), notify the borrower 
that the borrower has the right to be evaluated 
for other loss mitigation options if the borrower 
is not able to make the payment under the op-
tion offered in subparagraph (A).
1001 
‘‘(3) EVALUATION FOR LOSS MITIGATION PRIOR 
TO
FORECLOSURE
INITIATION.—Before a servicer 
may initiate or engage in any foreclosure activity 
listed in subsection (c)(2), including incurring or 
charging to a borrower any fees or corporate ad-
vances related to a foreclosure on the basis that the 
borrower has failed to perform under the loss miti-
gation offer in paragraph (2)(A) within the first 90 
days after the option is offered, including a failure 
to accept the loss mitigation offer in paragraph 
(2)(A), the servicer shall— 
‘‘(A) unless the borrower has already sub-
mitted a complete application that the servicer 
is reviewing— 
‘‘(i) notify the borrower in writing of 
the documents and information, if any, 
needed by the servicer to enable the 
servicer to consider the borrower for all 
available loss mitigation options; 
‘‘(ii) exercise reasonable diligence to 
obtain the documents and information 
needed to complete the borrower’s loss 
mitigation application; 
‘‘(B) upon receipt of a complete applica-
tion or if, despite the servicer’s exercise of rea-
1002 
sonable diligence, the loss mitigation application 
remains incomplete sixty days after the notice 
in paragraph (2)(A) is sent, conduct an evalua-
tion of the complete or incomplete loss mitiga-
tion application without reference to whether 
the borrower has previously submitted a com-
plete loss mitigation application and offer the 
borrower all available loss mitigation options for 
which the borrower qualifies under applicable 
investor guidelines, including guidelines regard-
ing required documentation. 
‘‘(4) EFFECT ON FUTURE REQUESTS FOR LOSS 
MITIGATION REVIEW.—An application, offer, or eval-
uation for loss mitigation under this section shall 
not be the basis for the denial of a borrower’s appli-
cation as duplicative or for a reduction in the bor-
rower’s appeal rights under Regulation X (12 C.F.R. 
1024) in regard to any loss mitigation application 
submitted after the servicer has complied with the 
requirements of paragraphs (2) and (3). 
‘‘(5) SAFE HARBOR.—Any loss mitigation op-
tion authorized by the Federal National Mortgage 
Association, the Federal Home Loan Corporation, or 
the Federal Housing Administration that either—
1003 
‘‘(A) defers the payment of total arrear-
ages, including any escrow advances, to the end 
of the existing term of the loan, without the 
charging or collection of any additional interest 
on the deferred amounts, or 
‘‘(B) extends the term of the mortgage 
loan, and capitalizes, defers, or forgives all es-
crow advances and other arrearages, without 
the charging of any fees or penalties beyond in-
terest on any amount capitalized into the loan 
principal, 
shall be deemed to comply with the requirements of 
paragraph (1)(B). 
‘‘(6) HOME RETENTION OPTIONS FOR CERTAIN 
REVERSE MORTGAGE LOANS.— 
‘‘(A) IN GENERAL.—For a covered mort-
gage loan which is also a federally-insured re-
verse mortgage loan, a servicer’s conduct shall 
be deemed to comply with this section provided 
that if the loan is eligible to be called due and 
payable due to a property charge default, the 
mortgagee shall, as a precondition to sending a 
due and payable request to the Secretary or ini-
tiating or continuing a foreclosure process—
1004 
‘‘(i) make a good faith effort to com-
municate with the borrower regarding 
available home retention options to cure 
the property charge default, including en-
couraging the borrower to apply for home 
retention options; 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 re-
payment plan without regard to prior defaults 
on repayment plans. 
‘‘(C) LIMITATION ON INTEREST CURTAIL-
MENT.—The Secretary may not curtail interest 
paid to mortgagees who engage in loss mitiga-
tion 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 ef-
fect and ending 90 days after any such plan 
terminates.’’.
1005 
(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
FORE-
CLOSURE PROCEDURES’’; 
(ii) in subsection (a), by striking the 
section designation and all that follows 
through ‘‘During any’’ and inserting the 
following: 
‘‘SEC. 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); and 
(iv) by inserting after subsection (a) 
the following new subsection: 
‘‘(b) LOAN MODIFICATION.— (1) Notwithstanding 
any other provision of this title, for any loan made under 
section 502 or 504, the Secretary may modify the interest 
rate and extend the term of such loan for up to 30 years 
from the date of such modification.
1006 
‘‘(2) At the end of any moratorium period granted 
under this section or under the COVID–19 HERO Act, 
the Secretary shall determine whether the borrower can 
reasonably resume making principal and interest pay-
ments after the Secretary modifies the borrower’s loan ob-
ligations in accordance with paragraph (1).’’. 
(7) MULTIFAMILY MORTGAGE FORBEARANCE.— 
Section 4023 of the CARES Act (15 U.S.C. 9057) 
is amended— 
(A) by striking ‘‘Federally backed multi-
family mortgage loan’’ each place such term ap-
pears and inserting ‘‘multifamily mortgage 
loan’’; 
(B) in subsection (b), by striking ‘‘during’’ 
and inserting ‘‘due, directly or indirectly, to’’; 
(C) in subsection (c)(1)— 
(i) in subparagraph (A), by adding 
‘‘and’’ at the end; and 
(ii) by striking subparagraphs (B) and 
(C) and inserting the following: 
‘‘(B) provide the forbearance for up to the 
end of the period described under section 
4024(b).’’; 
(D) by redesignating subsection (f) as sub-
section (g);
1007 
(E) by inserting after subsection (e) the 
following: 
‘‘(f) TREATMENT AFTER FORBEARANCE.—With re-
spect to a multifamily mortgage loan provided a forbear-
ance under this section, the servicer of such loan— 
‘‘(1) shall provide the borrower with a 12- 
month period beginning at the end of such forbear-
ance to become current on the payments under such 
loan; 
‘‘(2) may not charge any late fees, penalties, or 
other charges with respect to payments on the loan 
that were due during the forbearance period, if such 
payments are made before the end of the 12-month 
period; and 
‘‘(3) may not report any adverse information to 
a credit rating agency (as defined under section 603 
of the Fair Credit Reporting Act with respect to any 
payments on the loan that were due during the for-
bearance period, if such payments are made before 
the end of the 12-month period.).’’; and 
(F) in subsection (g), as so redesignated— 
(i) in paragraph (2)— 
(I) by striking ‘‘that—’’ and all 
that follows through ‘‘(A) is secured
1008 
by’’ and inserting ‘‘that is secured 
by’’; 
(II) by striking ‘‘; and’’ and in-
serting a period; and 
(III) by striking subparagraph 
(B); and 
(ii) by amending paragraph (5) to 
read as follows: 
‘‘(5) COVERED
PERIOD.—With respect to a 
loan, the term ‘covered period’ has the meaning 
given that term under section 4022(a)(3).’’. 
(8) RENTER PROTECTIONS DURING FORBEAR-
ANCE PERIOD.— A borrower that receives a forbear-
ance pursuant to section 4022 or 4023 of the 
CARES Act (15 U.S.C. 9056 or 9057) may not, for 
the duration of the forbearance— 
(A) evict or initiate the eviction of a tenant 
solely for nonpayment of rent or other fees or 
charges; or 
(B) charge any late fees, penalties, or 
other charges to a tenant for late payment of 
rent. 
(9) EXTENSION OF GSE PATCH.— 
(A) 
NON-APPLICABILITY
OF
EXISTING 
SUNSET.—Section 1026.43(e)(4)(iii)(B) of title
1009 
12, Code of Federal Regulations, shall have no 
force or effect. 
(B) EXTENDED
SUNSET.—The special 
rules in section 1026.43(e)(4) of title 12, Code 
of Federal Regulations, shall apply to covered 
transactions consummated prior to June 1, 
2022, or such later date as the Director of the 
Bureau of Consumer Financial Protection may 
determine, by rule. 
(10) SERVICER SAFE HARBOR FROM INVESTOR 
LIABILITY.— 
(A) SAFE HARBOR.— 
(i) IN GENERAL.—A servicer of cov-
ered mortgage loans or multifamily mort-
gage loans shall be deemed not to have vio-
lated any duty or contractual obligation 
owed to investors or other parties regard-
ing such mortgage loans on account of of-
fering or implementing in good faith for-
bearance during the covered period or of-
fering or implementing in good faith post- 
forbearance loss mitigation (including after 
the expiration of the covered period) in ac-
cordance with the terms of sections 4022 
and 4023 of the CARES Act to borrowers,
1010 
respectively, on covered or multifamily 
mortgage loans that it services and shall 
not be liable to any party who is owed such 
a duty or obligation or subject to any in-
junction, stay, or other equitable relief to 
such party on account of such offer or im-
plementation of forbearance or post-for-
bearance loss mitigation. 
(ii) OTHER
PERSONS.—Any person, 
including a trustee of a securitization vehi-
cle 
or 
other 
party 
involved 
in 
a 
securitization or other investment vehicle, 
who in good faith cooperates with a 
servicer of covered or multifamily mortgage 
loans held by that securitization or invest-
ment vehicle to comply with the terms of 
section 4022 and 4023 of the CARES Act, 
respectively, to borrowers on covered or 
multifamily mortgage loans owned by the 
securitization or other investment vehicle 
shall not be liable to any party who is owed 
such a duty or obligation or subject to any 
injunction, stay, or other equitable relief to 
such party on account of its cooperation 
with an offer or implementation of forbear-
1011 
ance during the covered period or post-for-
bearance loss mitigation, including after 
the expiration of the covered period. 
(B) STANDARD
INDUSTRY
PRACTICE.— 
During the covered period, notwithstanding any 
contractual restrictions, it is deemed to be 
standard industry practice for a servicer to 
offer forbearance or loss mitigation options in 
accordance with the terms of sections 4022 and 
4023 of the CARES Act to borrowers, respec-
tively, on all covered or multifamily mortgage 
loans it services. 
(C) RULE OF CONSTRUCTION.—Nothing in 
this paragraph may be construed as affecting 
the liability of a servicer or other person for ac-
tual fraud in the servicing of a mortgage loan 
or for the violation of a State or Federal law. 
(D) DEFINITIONS.—In this paragraph: 
(i) COVERED MORTGAGE LOAN.—The 
term ‘‘covered mortgage loan’’ has the 
meaning given that term under section 
4022(a) of the CARES Act. 
(ii) COVERED
PERIOD.—The term 
‘‘covered period’’ has the meaning given
1012 
that term under section 4023(g) of the 
CARES Act. 
(iii) 
MULTIFAMILY
MORTGAGE 
LOAN.—The term ‘‘multifamily mortgage 
loan’’ has the meaning given that term 
under section 4023(g) of the CARES Act. 
(iv) 
SERVICER.—The 
term 
‘‘servicer’’— 
(I) has the meaning given the 
term under section 6(i) of the Real 
Estate Settlement Procedures Act of 
1974 (12 U.S.C. 2605(i)); and 
(II) means a master servicer and 
a subservicer, as such terms are de-
fined, 
respectively, 
under 
section 
1024.31 of title 12, Code of Federal 
Regulations. 
(v) SECURITIZATION
VEHICLE.—The 
term ‘‘securitization vehicle’’ has the 
meaning give that term under section 
129A(f) of the Truth in Lending Act (15 
U.S.C. 1639a(f)). 
(c) BANKRUPTCY PROTECTIONS.—
1013 
(1) BANKRUPTCY PROTECTIONS FOR FEDERAL 
CORONAVIRUS RELIEF PAYMENTS.—Section 541(b) 
of title 11, United States Code, is amended— 
(A) in paragraph (9), in the matter fol-
lowing subparagraph (B), by striking ‘‘or’’; 
(B) in paragraph (10)(C), by striking the 
period at the end and inserting ‘‘; or’’; and 
(C) by inserting after paragraph (10) the 
following: 
‘‘(11) payments made under Federal law relat-
ing to the national emergency declared by the Presi-
dent under the National Emergencies Act (50 
U.S.C. 1601 et seq.) with respect to the coronavirus 
disease 2019 (COVID–19).’’. 
(2) PROTECTION
AGAINST
DISCRIMINATORY 
TREATMENT OF HOMEOWNERS IN BANKRUPTCY.— 
Section 525 of title 11, United States Code, is 
amended by adding at the end the following: 
‘‘(d) A person may not be denied any forbearance, 
assistance, or loan modification relief made available to 
borrowers by a mortgage creditor or servicer because the 
person is or has been a debtor, or has received a discharge, 
in a case under this title.’’.
1014 
(3) INCREASING
THE
HOMESTEAD
EXEMP-
TION.—Section 522 of title 11, United States Code, 
is amended— 
(A) in subsection (d)(1), by striking 
‘‘$15,000’’ and inserting ‘‘$100,000’’; and 
(B) by adding at the end the following: 
‘‘(r) Notwithstanding any other provision of applica-
ble nonbankruptcy law, a debtor in any State may exempt 
from property of the estate the property described in sub-
section (d)(1) not to exceed the value in subsection (d)(1) 
if the exemption for such property permitted by applicable 
nonbankruptcy law is lower than that amount.’’. 
(4) EFFECT OF MISSED MORTGAGE PAYMENTS 
ON DISCHARGE.—Section 1328 of title 11, United 
States Code, is amended by adding at the end the 
following: 
‘‘(i) A debtor shall not be denied a discharge under 
this section because, as of the date of discharge, the debtor 
did not make 6 or fewer payments directly to the holder 
of a debt secured by real property. 
‘‘(j) Notwithstanding subsections (a) and (b), upon 
the debtor’s request, the court shall grant a discharge of 
all debts provided for in the plan that are dischargeable 
under subsection (a) if the debtor—
1041 
under this section shall provide preference for 
such assistance to eligible families that are— 
(i) homeless (as such term is defined 
in section 103(a) of the McKinney-Vento 
Homeless 
Assistance 
Act 
(42 
U.S.C. 
11302(a))); 
(ii) at risk of homelessness (as such 
term is defined in section 401 of the 
McKinney-Vento Homeless Assistance Act 
(42 U.S.C. 11360)); or 
(iii) fleeing, or attempting to flee, do-
mestic violence, dating violence, sexual as-
sault, or stalking. 
(B) ALLOCATION.—In allocating amounts 
made available under this section, the Secretary 
shall— 
(i) not later than 60 days after the 
date of the enactment of this Act, allocate 
at least 50 percent of such amounts to 
public housing agencies in accordance with 
a formula that considers— 
(I) the capability of public hous-
ing agencies to promptly use emer-
gency vouchers provided under this 
section; and
1042 
(II) the need for emergency 
vouchers provided under this section 
in the geographical area, based on 
factors determined by the Secretary, 
including risk of transmission of 
coronavirus, high numbers or rates of 
sheltered and unsheltered homeless-
ness, and economic and housing mar-
ket conditions; 
(ii) allocate remaining amounts in ac-
cordance with a formula that considers— 
(I) the criteria under clause (i) 
and the success of a public housing 
agency in promptly utilizing vouchers 
awarded under clause (i); and 
(II) the capability of the public 
housing agency to create and manage 
structured partnerships with service 
providers for the delivery of appro-
priate community-based services; and 
(iii) designate the number of vouchers 
under this section that each public housing 
agency that is awarded funds under this 
section is authorized to administer.