I 
116TH CONGRESS 
2D SESSION 
H. R. 6515 
To suspend obligations of residential renters and mortgagors to make 
payments during the COVID-19 emergency, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 17, 2020 
Ms. OMAR (for herself, Ms. OCASIO-CORTEZ, Ms. TLAIB, Ms. PRESSLEY, Ms. 
JAYAPAL, Mr. POCAN, Ms. ESCOBAR, Mr. GARCI´A of Illinois, and Ms. 
MENG) introduced the following bill; which was referred to the Committee 
on Financial Services 
A BILL 
To suspend obligations of residential renters and mortgagors 
to make payments during the COVID-19 emergency, and 
for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Rent and Mortgage 
Cancellation Act of 2020’’. 
SEC. 2. SUSPENSION OF OBLIGATIONS TO MAKE RESIDEN-
TIAL MORTGAGE AND RENT PAYMENTS. 
(a) RENT PAYMENTS.— 
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(1) SUSPENSION.—Notwithstanding any other 
provision of law, the obligation of each tenant house-
hold of a covered rental dwelling unit to pay rent for 
occupancy in such dwelling unit shall be suspended 
with respect to such occupancy during the COVID- 
19 suspension period. 
(2) PROHIBITIONS.— 
(A) ON
FINES.—No tenant or tenant 
household may be charged a fine or fee for non-
payment of rent in accordance with paragraph 
(1) and such nonpayment of rent shall not be 
grounds for any termination of tenancy or evic-
tion. 
(B) ON
DEBT.—No tenant or tenant 
household may be treated as accruing any debt 
by reason of suspension of contribution of rent 
under paragraph (1). 
(C) ON REPAYMENT.—No tenant or tenant 
household may be held liable for repayment of 
any amount of rent contribution suspended 
under paragraph (1). 
(D) 
ON
CREDIT
SCORES.—The 
non-
payment of rent by a tenant or tenant house-
hold shall not be reported to a consumer report-
ing agency nor shall such nonpayment adversely 
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affect a tenant or member of a tenant house-
hold’s credit score. 
(b) MORTGAGE PAYMENTS.— 
(1) SUSPENSION.—Notwithstanding any other 
provision of law, the obligation of each mortgagor 
under a covered residential mortgage loan to make 
mortgage payments of principal and interest that be-
come due during the COVID-19 suspension period is 
hereby suspended. 
(2) REQUIREMENTS AND PROHIBITIONS.— 
(A) ON DEBT.—No mortgagor under any 
covered residential mortgage loan may be held 
responsible for payment of mortgage payments 
suspended under paragraph (1) or treated as 
accruing any debt by reason of suspension 
under such paragraph of the obligation to make 
mortgage payments. 
(B) ON
FORECLOSURE.—A mortgagee 
under a covered residential mortgage loan (or 
servicer for such mortgagee) may not commence 
or continue any judicial foreclosure action or 
non-judicial foreclosure process or any action 
for failure to make a payment due under such 
mortgage that is suspended pursuant to para-
graph (1). 
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(C) ON
FEES, PENALTIES, AND
INTER-
EST.—No fees, penalties, or additional interest 
beyond the amounts scheduled or calculated as 
if the mortgagor made all contractual payments 
on time and in full under the terms of the 
mortgage contract in effect as of the commence-
ment of the COVID-19 suspension period shall 
accrue. 
(D) 
ON
CREDIT
SCORES.—The 
non-
payment of a mortgage payment by a mort-
gagor pursuant to suspension under paragraph 
(1) of the obligation to make such payment 
shall not be reported to a consumer reporting 
agency nor shall such nonpayment adversely af-
fect a mortgagor’s credit score. 
(c) NOTICE.—The Secretary of Housing and Urban 
Development shall establish and carry out a system to no-
tify all tenants of covered rental dwelling units, including 
tenants described in section 7(1)(B)(ii), and all mortga-
gors under covered residential mortgage loans, of the sus-
pensions under paragraph (1) of subsections (a) and (b) 
of the obligations to make rental payments or mortgage 
payments, respectively, and of their right to pursue legal 
action pursuant to section 3. 
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SEC. 3. CIVIL ACTION. 
(a) IN GENERAL.—Any individual aggrieved by an 
adverse action taken by a lessor or mortgagee for exer-
cising rights under section 2 may commence a civil action 
under this section against the lessor or mortgagee vio-
lating such section in an appropriate United States dis-
trict court or State court not later than 2 years after such 
violation occurs for damages under subsection (b). 
(b) DAMAGES; PENALTY.—Any lessor or mortgagee 
found to have taken adverse action against any lessee or 
mortgagor for exercising rights under section 2 shall be 
liable— 
(1) to the individual aggrieved by such viola-
tion, for any actual damages as a result of such ad-
verse action; and 
(2) for a fine in the amount of— 
(A) $5,000, in the case of violation that is 
the first violation by such lessor or mortgagee; 
(B) $10,000, in the case of violation that 
is the second violation by such lessor or mort-
gagee; and 
(C) $50,000 or forfeiture of the property, 
in the case of violation that is the third or sub-
sequent violation by such lessor or mortgagee. 
(c) AUTHORITY OF COURT.—In an action brought 
under this section, the court— 
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(1) may award preventative relief, including a 
permanent or temporary injunction or other order, 
to ensure the full rights granted by subsections (a) 
and (b) of section 2; and 
(2) shall award any prevailing plaintiff, other 
than the United States, reasonable attorney’s fee 
and costs. 
(d) ATTORNEY GENERAL ENFORCEMENT.—The At-
torney General may bring a civil action in any appropriate 
United States district court against any individual who 
violates subsection (a) or (b) of section 2 for fines under 
subsection (b)(2) of this section. 
SEC. 4. LANDLORD RELIEF FUND. 
(a) ESTABLISHMENT.—The Secretary of Housing 
and Urban Development shall establish and manage a 
Landlord Relief Fund (in this section referred to as the 
‘‘Fund’’), to provide lessors payments under this section 
to reimburse such lessors for payments under covered resi-
dential mortgage loans suspended pursuant to section 
2(b). 
(b) APPLICATION.—The Secretary shall provide for 
lessors of covered rental dwelling units to apply for reim-
bursement payments from the Fund, which applications 
shall include the certifications and binding agreements re-
quired pursuant to subsection (c). 
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(c) ELIGIBILITY.—The Secretary may provide a pay-
ment under this section only with respect to covered rental 
dwelling units that meet all of the following requirements: 
(1) FAIR RENTAL REQUIREMENTS.—The lessor 
of the covered rental dwelling unit has made such 
certifications to, and entered into such binding 
agreements with, the Secretary as the Secretary con-
siders necessary to ensure that during the 5-year pe-
riod beginning upon initial receipt by such lessor of 
payment under this section for such dwelling unit, 
such dwelling unit shall be subject to the following 
requirements: 
(A) RENT FREEZE.—The monthly rent for 
the dwelling unit may not be increased from the 
amount of such rent charged as of the date of 
the enactment of this Act. 
(B) JUST-CAUSE EVICTIONS.—A tenant of 
the dwelling unit may be evicted only for just 
cause and only pursuant to advance written no-
tice to the tenant of such just cause. 
(C) SOURCE
OF
INCOME
DISCRIMINA-
TION.—The lessor may not refuse to rent the 
dwelling unit, or discriminate in the renting of 
the dwelling unit, to a household based on the 
source of income of such household, including 
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income under the program under section 8(o) of 
the United States Housing Act of 1937 (42 
U.S.C. 1437f(o)) or any similar tenant-based 
rental assistance program. 
(D) NEW VACANCIES.—The lessor shall co-
ordinate with the public and other housing au-
thorities for the jurisdiction within which the 
dwelling unit is located to make the dwelling 
unit available, upon any vacancy, to households 
assisted as described in subparagraph (C). 
(E) ADMISSIONS RESTRICTIONS.—The les-
sor may not restrict tenancy of the dwelling 
unit on the basis of sexual identity or orienta-
tion, gender identity or expression, conviction or 
arrest record, credit history, or immigration 
status. 
(F) ARREARAGES.—The lessor may not 
collect an arrearage in rent owed by the tenant 
as of the expiration of such 5-year period. 
(G) RETALIATION.—The lessor may not 
retaliate in any way against a tenant of the 
dwelling unit. 
(H) DEBT COLLECTORS AND CREDIT RE-
PORTING AGENCIES.—The lessor may not re-
port the tenant of the dwelling unit to a debt 
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collector or provide any adverse information re-
garding the tenant to any credit reporting agen-
cy. 
(2) PROHIBITION ON DUPLICATION OF ASSIST-
ANCE.—Assistance may not be provided under this 
section with respect to any dwelling unit for which 
assistance is provided pursuant to section 5. 
(d) AMOUNT.— 
(1) IN GENERAL.—Subject to paragraph (2), 
the amount of a payment under this section with re-
spect to a covered rental dwelling unit may not ex-
ceed the aggregate amount of rent for the dwelling 
unit suspended pursuant to section 2(a) and attrib-
utable only to days during the COVID-19 suspen-
sion period that the dwelling unit was occupied by 
a tenant otherwise required to pay rent for such oc-
cupancy. 
(2) REIMBURSEMENT FOR RENT PAID BY TEN-
ANTS.—In making payments under this section with 
respect to any covered dwelling unit for which tenant 
made a payment of rent during the COVID-19 sus-
pension period, the Secretary shall— 
(A) reduce the amount of the payment to 
the lessor under paragraph (1) by the amount 
of any such rent paid; and 
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(B) make a payment to such tenant in the 
amount of any such rent paid. 
(e) PRIORITY.—In making payments under this sec-
tion, the Secretary shall establish a tiered system for pri-
ority for such payments based on assets, revenues, disclo-
sure requirements, and profit status with respect to les-
sors. Such system shall provide priority for making pay-
ments to eligible lessors that are nonprofit organizations 
or entities and lessors having the fewest available amount 
of assets. 
(f) RECAPTURE.—If a lessor violates any requirement 
with respect to a covered rental dwelling unit under any 
certification or agreement entered into pursuant to sub-
section (c)(2), the Secretary shall recapture from the les-
sor an amount equal to the entire amount of assistance 
provided under this section that is attributable to such 
dwelling unit and cover such amount recaptured into the 
Fund. 
(g) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated for the Landlord Relief 
Fund established pursuant to this section such sums as 
may be necessary to reimburse all lessors for all rent pay-
ments suspended pursuant to section 2(a). 
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SEC. 5. LENDER RELIEF FUND. 
(a) ESTABLISHMENT.—The Secretary of Housing 
and Urban Development shall establish and manage a 
Lender Relief Fund (in this section referred to as the 
‘‘Fund’’), to provide mortgagees payments under this sec-
tion to reimburse such mortgagees for mortgage payments 
suspended pursuant to section 2(b). 
(b) APPLICATION.—The Secretary shall provide for 
mortgagees under covered residential mortgage loans to 
apply for reimbursement payments from the Fund, which 
applications shall include the certifications and binding 
agreements required pursuant to subsection (c). The Sec-
retary shall provide that an eligible mortgagee may apply 
for assistance from the Fund only once with respect to 
any covered residential mortgage loan. 
(c) ELIGIBILITY.—The Secretary may provide a pay-
ment under this section only with respect to covered resi-
dential mortgage loans that meet all of the following re-
quirements: 
(1) FAIR AND INCLUSIVE LENDING REQUIRE-
MENTS.—The mortgagee for the mortgage loan has 
made such certifications to, and entered into such 
binding agreements with, the Secretary as the Sec-
retary considers necessary to ensure that during the 
5-year period beginning upon initial receipt by such 
mortgagee of payment under this section for such 
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mortgage loan, such mortgagee shall be subject to 
the following requirements: 
(A) REPORTING ON LENDING.—The mort-
gagee shall report annually to the Secretary 
such detailed information regarding residential 
mortgage loans made by such mortgagee as the 
Secretary shall require, including the race, eth-
nicity, age, and credit score of mortgagors, the 
zip codes of properties for which mortgages 
were made, and the interest rates and other 
loan pricing features of such mortgage loans. 
(B) REPORTING ON LENDER.—The mort-
gagee shall report annually to the Secretary 
such detailed information regarding the mort-
gagee as the Secretary shall require, including 
the location of the offices of the mortgagee, and 
practices and systems for outreach to and refer-
ral of borrowers. 
(2) PROHIBITION ON DUPLICATION OF ASSIST-
ANCE.—Assistance may not be provided under this 
section with respect to any dwelling unit subject to 
a covered residential mortgage loan for which assist-
ance is provided pursuant to section 4. 
(d) AMOUNT.— 
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SEC. 6. AFFORDABLE HOUSING ACQUISITION FUND. 
(a) ESTABLISHMENT.—The Secretary of Housing 
and Urban Development shall establish and manage an 
Affordable Housing Acquisition Fund (in this section re-
ferred to as the ‘‘Fund’’), to fund the acquisition of multi-
family housing projects by eligible purchasers to— 
(1) ensure that tenants have access to safe and 
habitable housing conditions regardless of their land-
lords’ ability to pay for repairs and maintenance 
during and after the COVID-19 pandemic; 
(2) prevent financial hardship for rental prop-
erty owners; and 
(3) prevent a mass exit in the rental housing 
market that results in massive corporate purchases 
similar to the 2008 economic crisis. 
(b) FIRST RIGHT OF PURCHASE.— 
(1) NOTICE
TO
SECRETARY.—During the 5- 
year period beginning upon the date of the enact-
ment of this Act, the owner of a multifamily housing 
property may not sell or transfer ownership of such 
property unless— 
(A) the owner has notified the Secretary, 
in accordance with such requirements as the 
Secretary shall establish, of the owner’s intent 
to sell or transfer the property; 
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(B) a period of 60 days, beginning upon 
provision of such notice to the Secretary, has 
elapsed; and 
(C) if during such 60-day period any eligi-
ble purchaser under paragraph (3) applies to 
the Secretary for purchase assistance under 
subsection (c) with respect to such property, the 
Secretary has approved or denied such applica-
tion and, if approved, the eligible purchaser has 
made a bona fide offer to the owner to purchase 
such project in the amount determined under 
subsection (c)(3)(A). 
(2) NOTICE TO ELIGIBLE PURCHASERS.—Upon 
provision to the Secretary of notice under paragraph 
(1)(A) regarding a multifamily housing project, the 
Secretary shall take such actions as may be nec-
essary to provide notice to eligible purchasers of the 
owner’s intent to sell or transfer the property. 
(3) ELIGIBLE PURCHASERS.—For purposes of 
this section, an eligible purchaser under this para-
graph shall be a nonprofit organization, a public 
housing agency, a cooperative housing association, a 
community land trust, or a State or unit of local 
government or an agency thereof, as such terms are 
defined by the Secretary. 
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(c) PURCHASE ASSISTANCE.— 
(1) APPLICATION.—The Secretary shall provide 
for eligible purchasers to apply for assistance from 
the Fund to cover the cost of acquisition of a multi-
family housing project for which notice has been 
submitted pursuant to subsection (1)(A). 
(2) CRITERIA.—The Secretary shall establish 
such criteria and preferences as the Secretary con-
siders appropriate to select an eligible purchaser for 
assistance under this section in cases in which more 
than one approvable application for such assistance 
is submitted with respect to a single multifamily 
housing project. 
(3) AMOUNT.—Pursuant to an application sub-
mitted under paragraph (1) with respect to a multi-
family housing project, the Secretary may provide 
assistance from the Fund on behalf of eligible pur-
chaser submitting such application, in an amount 
equal to the purchase price for the project agreed to 
under subparagraph (A) of this paragraph, but only 
if the Secretary determines that— 
(A) such eligible purchaser and the owner 
of such multifamily housing project have volun-
tarily agreed to a sale of such project to the eli-
gible purchaser for an amount not exceeding 
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the fair market value of the project as of the 
time of provision of assistance from the Fund 
for purchase of the project, as determined by 
the Secretary; and 
(B) the eligible purchaser has made the 
certifications and entered into the agreements 
required under subsection (d) with respect to 
the project. 
(d) AFFORDABLE HOUSING RESTRICTIONS.—The 
certifications and agreements required under this sub-
section with respect to a multifamily housing project are 
such certifications to, and binding agreements with, the 
Secretary as the Secretary considers necessary to ensure 
that during the useful life of the project the project will 
comply with the following requirements: 
(1) AFFORDABLE HOUSING.—The project shall 
comply with the requirements under section 215(a) 
of the Cranston-Gonzalez National Affordable Hous-
ing Act (42 U.S.C. 12745(a)) necessary to qualify 
under such section as affordable housing. 
(2) JUST-CAUSE EVICTIONS.—A tenant of the 
project may be evicted only for just cause and only 
pursuant to advance written notice to the tenant of 
such just cause. 
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(3) SOURCE OF INCOME DISCRIMINATION.—A 
prospective tenant household of the project may not 
be refused rental of a dwelling unit in the project, 
and a prospective tenant household or tenant house-
hold may not be discriminated against in the renting 
of a dwelling unit in the project, based on the source 
of income of such household, including income under 
the program under section 8(o) of the United States 
Housing Act of 1937 (42 U.S.C. 1437f(o)) or any 
similar tenant-based rental assistance program. 
(4) ADMISSIONS
RESTRICTIONS.—Tenancy of 
dwelling units in the project may not be restricted 
on the basis of sexual identity or orientation, gender 
identity or expression, conviction or arrest record, 
credit history, or immigration status. 
(5) SUPPORTIVE SERVICES.—Residents of the 
project shall be provided with free, voluntary sup-
portive services that help address the needs of those 
experiencing chronic homelessness or housing insta-
bility, including access to healthcare, employment or 
education assistance, childcare, financial literacy 
education, and other community-based support serv-
ices, as the Secretary shall require. 
(6) DEMOCRATIC
CONTROL.—Tenants of the 
project shall have control of living and operating 
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conditions in the project through a democratically 
elected resident board or council. 
(e) RECAPTURE.—If an eligible purchaser violates 
any requirement with respect to a multifamily housing 
project purchased with assistance provided from the Fund 
under any certification or agreement entered into pursu-
ant to subsection (d), the Secretary shall recapture from 
the eligible purchase an amount equal to the amount of 
such assistance provided and shall cover such amount re-
captured into the Fund. 
(f) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated for the Affordable Housing 
Acquisition Fund established pursuant to this section such 
sums as may be necessary— 
(1) for assistance under this section to fund ac-
quisition of multifamily housing projects by eligible 
purchasers; and 
(2) for each fiscal year, for assistance for the 
operation and maintenance of eligible properties pur-
chased with assistance provided from the Fund. 
SEC. 7. DEFINITIONS. 
For purposes of this Act, the following definitions 
shall apply: 
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(1) COVERED RENTAL DWELLING UNIT.—The 
term ‘‘covered rental dwelling unit’’ means a dwell-
ing that is occupied by a tenant— 
(A) as a primary residence; and 
(B)(i) pursuant to a residential lease; or 
(ii) without a lease or with a lease ter-
minable at will under State law. 
Such term includes such a dwelling unit in multi-
family housing, single-family housing, a condo-
minium unit, a unit in cooperative housing, a dwell-
ing unit that is occupied pursuant to a sublease, a 
single-room occupancy unit, and a manufactured 
housing dwelling unit and the lot on which it is lo-
cated. 
(2) 
COVERED
RESIDENTIAL
MORTGAGE 
LOAN.—The term ‘‘covered residential mortgage 
loan’’ means any consumer credit transaction that is 
secured by a mortgage, deed of trust, or other equiv-
alent consensual security interest on residence con-
sisting of a single dwelling unit that is occupied by 
the mortgagor as a primary residence. 
(3) COVID-19 SUSPENSION PERIOD.—The term 
‘‘COVID-19 suspension period’’ means the period 
beginning on April 1, 2020, and ending upon the ex-
piration of the 30-day period that begins upon the 
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date of the termination by the Federal Emergency 
Management Agency of the emergency declared on 
March 13, 2020, by the President under the Robert 
T. Stafford Disaster Relief and Emergency Assist-
ance Act (42 U.S.C. 4121 et seq.) relating to the 
Coronavirus Disease 2019 (COVID–19) pandemic. 
(4) MULTIFAMILY
HOUSING
PROJECT.—The 
term ‘‘multifamily housing project’’ means a residen-
tial structure consisting of 5 or more dwelling units. 
(5) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
SEC. 8. REGULATIONS. 
The Secretary may issue any regulations necessary 
to carry out this Act. 
Æ 
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