SEC. 7. MORTGAGE PROTECTION AND FORECLOSURES. 
(a) DEFINITION.—In this section, the term ‘‘covered 
action’’ means an action relating to an obligation— 
(1) with respect to real or personal property 
owned by a Federal worker; and 
(2) that— 
(A) originated before the date on which a 
shutdown begins; 
(B) is in effect on the date on which a 
shutdown begins; and 
(C) is secured by a mortgage, trust deed, 
or other security in the nature of a mortgage. 
(b) STAY OF PROCEEDINGS AND ADJUSTMENT OF 
OBLIGATION.—If a covered action is filed in a court dur-
ing a covered period, the court may, after a hearing and 
upon the motion of the court, and shall, upon application 
by the Federal worker if the ability of the Federal worker 
to comply with the covered obligation is materially affected 
by the shutdown— 
(1) stay the proceedings for a period of time as 
justice and equity require; or 
(2) adjust the obligation to preserve the inter-
ests of all parties. 
(c) SALE OR FORECLOSURE.—A sale, foreclosure, or 
seizure of property for a breach of an obligation described 
in subsection (a) by a Federal worker shall not be valid 
VerDate Sep 11 2014 
02:45 Oct 06, 2021
Jkt 029200
PO 00000
Frm 00007
Fmt 6652
Sfmt 6201
E:\BILLS\H5456.IH
H5456
kjohnson on DSK79L0C42PROD with BILLS
if made during a covered period except upon the order of 
a court that is granted before that sale, foreclosure, or 
seizure, as applicable, with a return made and approved 
by the court. 
(d) MISDEMEANOR.—A person that knowingly makes 
or causes to be made a sale, foreclosure, or seizure of prop-
erty that is prohibited under subsection (c), or that know-
ingly attempts to make or cause to be made a sale, fore-
closure, or seizure of property that is prohibited under 
that subsection, shall be fined as provided in title 18, 
United States Code, or imprisoned for not more than 1 
year, or both. 
SEC. 8. LIENS. 
(a) LIENS.— 
(1) DEFINITION.—In this subsection, the term 
‘‘lien’’ includes— 
(A) a lien— 
(i) for storage, repair, or cleaning of 
the property or effects of a Federal work-
er; and 
(ii) on the property or effects de-
scribed in clause (i) for any reason other 
than a reason described in that clause; and 
(B) a loan that a Federal worker has ob-
tained with respect to a motor vehicle. 
VerDate Sep 11 2014 
02:45 Oct 06, 2021
Jkt 029200
PO 00000
Frm 00008
Fmt 6652
Sfmt 6201
E:\BILLS\H5456.IH
H5456
kjohnson on DSK79L0C42PROD with BILLS
(2) LIMITATION
ON
FORECLOSURE
OR
EN-
FORCEMENT.—A person holding a lien on the prop-
erty or effects of a Federal worker may not, during 
a covered period, foreclose on or enforce that lien 
without the order of a court that was issued before 
the date on which that foreclosure or enforcement 
occurs. 
(b) STAY
OF PROCEEDINGS.—In a proceeding to 
foreclose on or enforce a lien that is subject to this section, 
a court may, upon the motion of the court, and shall, if 
requested by a Federal worker, the ability of whom to 
comply with the obligation resulting in the proceeding is 
materially affected by a shutdown— 
(1) stay the proceeding for a period of time as 
justice and equity require; or 
(2) adjust the obligation to preserve the inter-
ests of all parties. 
(c) MISDEMEANOR.—A person that knowingly takes 
an action that violates this section, or attempts to take 
an action that violates this section, shall be fined as pro-
vided in title 18, United States Code, or imprisoned for 
not more than 1 year, or both. 
SEC. 9. STUDENT LOANS. 
(a) DEFINITION OF STUDENT LOAN.—In this sec-
tion, the term ‘‘student loan’’ means the following: 
VerDate Sep 11 2014 
02:45 Oct 06, 2021
Jkt 029200
PO 00000
Frm 00009
Fmt 6652
Sfmt 6201
E:\BILLS\H5456.IH
H5456
kjohnson on DSK79L0C42PROD with BILLS
(1) A loan made, insured, or guaranteed under 
title IV of the Higher Education Act of 1965 (20 
U.S.C. 1070 et seq.), including any Federal Direct 
Stafford Loan, Federal Direct Unsubsidized Staf-
ford Loan, Federal Direct PLUS Loan, or Federal 
Direct Consolidation Loan. 
(2) A private education loan, as such term is 
defined in section 140(a) of the Truth in Lending 
Act (15 U.S.C. 1650(a)). 
(b) APPLICATION TO STUDENT LOANS.—This section 
shall apply to any situation in which— 
(1) the student loan payment of a Federal 
worker falls due or remains unpaid during a shut-
down; and 
(2) during the shutdown described in paragraph 
(1), the Federal worker described in that paragraph 
has been furloughed or required to work without 
pay. 
(c) DEFERMENT ELIGIBILITY.—During a covered pe-
riod, a Federal worker shall be eligible for deferment, dur-
ing which, with respect to a student loan, periodic install-
ments of principal need not be paid and interest shall not 
accrue. 
(d) LIMITATION ON DEFAULTS.—If the student loan 
payment of a Federal worker falls due and remains unpaid 
VerDate Sep 11 2014 
02:45 Oct 06, 2021
Jkt 029200
PO 00000
Frm 00010
Fmt 6652
Sfmt 6201
E:\BILLS\H5456.IH
H5456
kjohnson on DSK79L0C42PROD with BILLS
during a shutdown, the lender with respect to the student 
loan may not place the loan in default without the order 
of a court. 
(e) LIMITATION ON COLLECTIONS.—If the student 
loan of a Federal worker has been placed in default before 
the date on which a shutdown begins, the lender with re-
spect to the student loan may not, without the order of 
a court, perform any of the following activities during the 
covered period with respect to the shutdown: 
(1) Send the student loan to collection. 
(2) Report adverse information with respect to 
the Federal worker to a consumer reporting agency. 
(3) Garnish wages, tax refunds, or government 
benefits. 
(f) COURT STAY.—In a proceeding to collect a stu-
dent loan payment that is subject to this section, a court 
may, upon the motion of the court, and shall, if requested 
by a Federal worker whose ability to comply with the obli-
gation resulting in the proceeding is materially affected 
by a shutdown— 
(1) stay the proceeding for a period of time as 
justice and equity require; or 
(2) adjust the obligation to preserve the inter-
ests of all parties. 
VerDate Sep 11 2014 
02:45 Oct 06, 2021
Jkt 029200
PO 00000
Frm 00011
Fmt 6652
Sfmt 6201
E:\BILLS\H5456.IH
H5456
kjohnson on DSK79L0C42PROD with BILLS