I 
116TH CONGRESS 
2D SESSION 
H. R. 8003 
To require the provision of notice to homeowners regarding available housing 
relief to respond to the COVID–19 pandemic, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
AUGUST 11, 2020 
Mr. EVANS (for himself and Mr. CLAY) introduced the following bill; which 
was referred to the Committee on Financial Services 
A BILL 
To require the provision of notice to homeowners regarding 
available housing relief to respond to 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, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Helping Home Owners 
Maintain Economic Security Act of 2020’’ or the ‘‘Helping 
HOMES Act of 2020’’. 
SEC. 2. NOTICE TO HOMEOWNERS. 
Section 4022 of the CARES Act (15 U.S.C. 9056) 
is amended— 
VerDate Sep 11 2014 
02:10 Aug 29, 2020
Jkt 099200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H8003.IH
H8003
pamtmann on DSKBC07HB2PROD with BILLS
(1) by striking ‘‘Federally backed mortgage 
loan’ ’’ each place such term appears and inserting 
‘‘covered mortgage loan’’; 
(2) in subsection (a)— 
(A) 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 
(B) by adding at the end the following new 
paragraph: 
‘‘(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.’’; 
and 
(3) by adding at the end the following new sub-
section: 
‘‘(d) NOTICE TO HOMEOWNERS OF AVAILABLE RE-
LIEF.—During the period that begins 90 days after the 
VerDate Sep 11 2014 
02:10 Aug 29, 2020
Jkt 099200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H8003.IH
H8003
pamtmann on DSKBC07HB2PROD with BILLS
date of the enactment of this subsection and ends upon 
the expiration of the covered period, each servicer of a cov-
ered mortgage loan shall— 
‘‘(1) make available in a clear and conspicuous 
manner on their web page accurate information for 
borrowers, in both English and Spanish language, 
regarding the availability of forbearance under sub-
section (b); 
‘‘(2) notify each borrower whose payments 
under a covered mortgage loan are or become 31 
days delinquent in any oral communication with or 
to the borrower that the borrower may be eligible to 
request forbearance as provided under subsection 
(b), except that such notification shall not be re-
quired if the borrower already has obtained forbear-
ance under subsection (b); and 
‘‘(3) provide to any borrower whose payments 
on the covered mortgage loan are or become 31 days 
delinquent, a notification in writing, in both English 
and Spanish language, not later than the 45th day 
of the delinquency of the borrower, that— 
‘‘(A) states that the borrower may be eligi-
ble for forbearance under this section; 
‘‘(B) states that the borrower may seek 
language assistance and general help through a 
VerDate Sep 11 2014 
02:10 Aug 29, 2020
Jkt 099200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H8003.IH
H8003
pamtmann on DSKBC07HB2PROD with BILLS
housing counseling agency certified by the De-
partment of Housing and Urban Development; 
and 
‘‘(C) provides information on how to find 
a counseling agency described in subparagraph 
(B).’’. 
Æ 
VerDate Sep 11 2014 
02:10 Aug 29, 2020
Jkt 099200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6301
E:\BILLS\H8003.IH
H8003
pamtmann on DSKBC07HB2PROD with BILLS