II 
116TH CONGRESS 
2D SESSION 
H. R. 7301 
IN THE SENATE OF THE UNITED STATES 
JUNE 30, 2020 
Received 
AN ACT 
To prevent evictions, foreclosures, and unsafe housing condi-
tions resulting from the COVID-19 pandemic, and for 
other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Emergency Housing Protections and Relief Act of 
2020’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
TITLE I—PROTECTING RENTERS AND HOMEOWNERS FROM 
EVICTIONS AND FORECLOSURES 
Sec. 101. Emergency rental assistance. 
Sec. 102. Homeowner Assistance Fund. 
Sec. 103. Protecting renters and homeowners from evictions and foreclosures. 
Sec. 104. Liquidity for mortgage servicers and residential rental property own-
ers. 
Sec. 105. Rural rental assistance. 
Sec. 106. Funding for public housing and tenant-based rental assistance. 
Sec. 107. Supplemental funding for supportive housing for the elderly, sup-
portive housing for persons with disabilities, supportive housing 
for persons with AIDS, and project-based section 8 rental as-
sistance. 
Sec. 108. Fair Housing. 
Sec. 109. Funding for housing counseling services. 
TITLE II—PROTECTING PEOPLE EXPERIENCING HOMELESSNESS 
Sec. 201. Homeless assistance funding. 
Sec. 202. Emergency rental assistance voucher program. 
TITLE I—PROTECTING RENTERS 
AND 
HOMEOWNERS 
FROM 
EVICTIONS 
AND 
FORE-
CLOSURES 
SEC. 101. 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 
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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 
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. 
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(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 
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 
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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-
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. 
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(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.— 
(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— 
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(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-
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 
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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 
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 
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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 
(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 
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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. 
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. 
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(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-
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 
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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-
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 
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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 
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 
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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 
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 
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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. 
(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. 
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(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. 
(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. 102. HOMEOWNER ASSISTANCE FUND. 
(a) DEFINITIONS.—In this section: 
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(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 
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-
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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. 
(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 any 
amounts authorized to be appropriated pursuant to 
subsection 
(g), 
the 
Secretary 
shall 
reserve 
$200,000,000 to be disbursed to Guam, American 
Samoa, the Virgin Islands, and the Northern Mar-
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iana Islands based on each such territory’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 any amounts 
authorized to be appropriated pursuant to sub-
section (g), the Secretary shall use 5 percent to 
make grants in accordance with subsection (f) 
to eligible recipients for the purposes described 
in subsection (e)(1). 
(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-
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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, 
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. 
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(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 
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 
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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— 
(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; 
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(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 
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.— 
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(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 
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 that such language assistance is 
available in and shall provide notice to each 
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such applicant that such language assistance 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 
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.— 
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(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-
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) FUNDING.—There is authorized to be appro-
priated to the Homeowner Assistance Fund established 
under subsection (b) $75,000,000,000, to remain available 
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until expended or transferred or credited under subsection 
(i). 
(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 
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, 
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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 
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) 
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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. 103. 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 
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 
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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 
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: 
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‘‘(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 
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— 
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(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: 
‘‘(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: 
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‘‘(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 
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-
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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 
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 
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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 
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 
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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; 
‘‘(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 
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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 
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. 
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