IV 
113TH CONGRESS 
1ST SESSION 
H. CON. RES. 60 
Expressing the sense of Congress that financial institutions should work 
proactively with their customers affected by the shutdown of the Federal 
Government who may be facing short-term financial hardship and long- 
term damage to their creditworthiness through no fault of their own. 
IN THE HOUSE OF REPRESENTATIVES 
OCTOBER 11, 2013 
Ms. WATERS (for herself, Mr. HOYER, Mr. VAN HOLLEN, Mr. MORAN, Ms. 
EDWARDS, Mr. CONNOLLY, Ms. NORTON, Mrs. CAROLYN B. MALONEY 
of New York, Mr. WATT, Mr. SHERMAN, Mr. MEEKS, Mr. CAPUANO, Mr. 
HINOJOSA, Mr. CLAY, Mr. LYNCH, Mr. DAVID SCOTT of Georgia, Mr. AL 
GREEN of Texas, Mr. CLEAVER, Ms. MOORE, Mr. ELLISON, Mr. PERL-
MUTTER, Mr. HIMES, Mr. CARNEY, Ms. SEWELL of Alabama, Mr. FOS-
TER, Mr. KILDEE, Mr. MURPHY of Florida, Mr. DELANEY, Mrs. BEATTY, 
and Mr. HECK of Washington) submitted the following concurrent resolu-
tion; which was referred to the Committee on Financial Services, and in 
addition to the Committee on Oversight and Government Reform, for a 
period to be subsequently determined by the Speaker, in each case for 
consideration of such provisions as fall within the jurisdiction of the com-
mittee concerned 
CONCURRENT RESOLUTION 
Expressing the sense of Congress that financial institutions 
should work proactively with their customers affected 
by the shutdown of the Federal Government who may 
be facing short-term financial hardship and long-term 
damage to their creditworthiness through no fault of 
their own. 
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Resolved by the House of Representatives (the Senate 
concurring), That it is the sense of Congress that— 
(1) financial institutions should work with their 
customers affected by the shutdown of the Federal 
Government that began on October 1, 2013; 
(2) individuals affected by the shutdown who 
are or will be facing financial distress should contact 
their lenders to alert them of their situation imme-
diately; 
(3) affected customers may face financial hard-
ship in making timely payments on their debts, such 
as mortgages, student loans, car loans, credit cards, 
and other debt due to the temporary delay or perma-
nent loss of their salaries; 
(4) financial institutions should consider tempo-
rarily waiving or reducing penalty, late payment, 
and similar fees in order to provide quick relief to 
their affected customers; 
(5) affected employees of the Federal Govern-
ment may be experiencing financial stress through 
no fault of their own and their creditworthiness 
should not be impaired because of the shutdown; 
(6) prudent workout arrangements that are 
consistent with safe and sound lending practices are 
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generally in the long-term best interest of the finan-
cial institution, the borrower, and the economy; 
(7) financial institutions should work proactive-
ly to identify their customers who have been affected 
and adopt flexible, prudent arrangements to help 
such customers meet their debt obligations; 
(8) prudent efforts to adopt flexible workout ar-
rangements for affected employees and their families 
should not be subject to examiner criticism or nega-
tive examinations; and 
(9) employees furloughed due to the shutdown 
of the Federal Government should be compensated 
at their standard rate of compensation for the period 
beginning October 1, 2013, through the date on 
which the lapse in appropriations ends, consistent 
with the principle adopted by the House when it 
passed the bill, H.R. 3223 on October 5, 2013, by 
a vote of 407–0. 
Æ 
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