I 
119TH CONGRESS 
1ST SESSION H. R. 2928 
To provide forbearance assistance during a major disaster or emergency, 
and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 17, 2025 
Ms. CHU (for herself, Mr. SHERMAN, Ms. SA´NCHEZ, Ms. FRIEDMAN, Mr. 
FIELDS, Mr. GOMEZ, Mr. CORREA, Ms. PRESSLEY, Ms. TOKUDA, Mr. 
THANEDAR, Mr. HUFFMAN, Mr. NEGUSE, and Ms. GARCIA of Texas) in-
troduced the following bill; which was referred to the Committee on Fi-
nancial Services 
A BILL 
To provide forbearance assistance during a major disaster 
or 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 ‘‘Mortgage Relief for 
Disaster Survivors Act’’. 
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SEC. 2. FORBEARANCE OF LOAN PAYMENTS FOR BOR-
ROWERS OF PROPERTIES WITH FEDERALLY 
BACKED LOANS. 
(a) IN GENERAL.—With respect to any disaster, a 
borrower with a covered mortgage loan for a property lo-
cated within the disaster area that is damaged or de-
stroyed by such disaster may request a forbearance on 
such loan during the covered period. 
(b) REQUEST FOR FORBEARANCE.—A borrower de-
scribed in subsection (a) may request a forbearance by— 
(1) submitting a written request for a forbear-
ance to the borrower’s servicer; and 
(2) providing documentation of verifiable dam-
age or destruction to the property. 
(c) GRANT OF FORBEARANCE.— 
(1) IN GENERAL.—Upon receiving a request for 
a forbearance from a borrower described in sub-
section (a), the borrower’s servicer shall grant a for-
bearance— 
(A) for a duration of 180 days; and 
(B) regardless of the delinquency status of 
the covered mortgage loan. 
(2) EXTENSION
OF
FORBEARANCE.—At any 
time during the forbearance, a borrower may request 
an extension, of not more than 180 days, of the du-
ration described in paragraph (1). 
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(d) RIGHT TO DISCONTINUE.—A borrower described 
in subsection (a) may request to discontinue the forbear-
ance at any time. 
(e) ACCRUAL.—During any forbearance granted 
under subsection (c), no fees, penalties, or interest (be-
yond the amounts scheduled or calculated as if the bor-
rower made all contractual payments on time and in full 
under the terms of the mortgage contract) shall accrue 
on the borrower’s account. 
SEC. 3. DEFINITIONS. 
In this Act: 
(1) COVERED MORTGAGE LOAN.—The ‘‘covered 
mortgage loan’’ means— 
(A) a Federally backed mortgage loan; or 
(B) a Federally backed multifamily mort-
gage loan. 
(2) COVERED PERIOD.—The term ‘‘covered pe-
riod’’ means the period beginning on the date of the 
declaration of a disaster and ending on the date that 
such declaration ends. 
(3) DISASTER.—The term ‘‘disaster’’ means 
any major disaster or emergency declared by the 
President under the Robert T. Stafford Disaster Re-
lief and Emergency Assistance Act (42 U.S.C. 4121 
et seq.). 
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(4) DISASTER AREA.—The term ‘‘disaster area’’ 
means, with respect to a disaster, any area that is 
subject to the declaration of such disaster. 
(5) FEDERALLY BACKED MORTGAGE LOAN.— 
The term ‘‘Federally backed mortgage loan’’ in-
cludes any loan (other than temporary financing, 
such as a construction loan) that is— 
(A) secured by a first or subordinate lien 
on residential real property (including indi-
vidual units of condominiums and cooperatives) 
designed principally for the occupancy of from 
1 to 4 families, including any such secured 
loan, the proceeds of which are used to prepay 
or pay off an existing loan secured by the same 
property; and 
(B) purchased or securitized by the Fed-
eral Home Loan Mortgage Corporation or the 
Federal National Mortgage Association. 
(6) FEDERALLY BACKED MULTIFAMILY MORT-
GAGE
LOAN.—The term ‘‘Federally backed multi-
family mortgage loan’’ includes any loan (other than 
temporary financing, such as a construction loan) 
that is— 
(A) secured by a first or subordinate lien 
on residential multifamily real property de-
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signed principally for the occupancy of 5 or 
more families, including any such secured loan, 
the proceeds of which are used to prepay or pay 
off an existing loan secured by the same prop-
erty; and 
(B) purchased or securitized by the Fed-
eral Home Loan Mortgage Corporation or the 
Federal National Mortgage Association. 
Æ 
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