1017 
default is cured and payments are maintained under sub-
section (a) and to any property securing such claim. 
‘‘(e) Notwithstanding section 1301(a)(2), the stay of 
section 1301(a) terminates upon the granting of a dis-
charge under section 1328 with respect to all creditors 
other than the holder of a claim for which a default is 
cured and payments are maintained under subsection 
(a).’’. 
(B) TABLE OF CONTENTS.—The table of 
sections of chapter 13, title 11, United States 
Code, is amended by adding at the end thereof 
the following: 
‘‘Sec. 1331. Special provisions related to COVID–19 Pandemic.’’. 
(C) 
APPLICATION.—The 
amendments 
made by this paragraph shall apply only to any 
case under title 11, United States Code, com-
menced before 3 years after the date of enact-
ment of this Act and pending on or commenced 
after such date of enactment, in which a plan 
under chapter 13 of title 11, United States 
Code, was not confirmed before March 27, 
2020.
1018 
SEC. 110204. LIQUIDITY FOR MORTGAGE SERVICERS AND 
RESIDENTIAL RENTAL PROPERTY OWNERS. 
(a) IN GENERAL.—Section 4003 of the CARES Act 
(15 U.S.C. 9042), is amended by adding at the end the 
following: 
‘‘(i) LIQUIDITY FOR MORTGAGE SERVICERS.— 
‘‘(1) IN GENERAL.—Subject to paragraph (2), 
the Secretary shall ensure that servicers of covered 
mortgage loans (as defined under section 4022) and 
multifamily mortgage loans (as defined under sec-
tion 4023) are provided the opportunity to partici-
pate in the loans, loan guarantees, or other invest-
ments made by the Secretary under this section. The 
Secretary shall ensure that servicers are provided 
with access to such opportunities under equitable 
terms and conditions regardless of their size. 
‘‘(2) MORTGAGE
SERVICER
ELIGIBILITY.—In 
order to receive assistance under subsection (b)(4), 
a mortgage servicer shall— 
‘‘(A) 
demonstrate 
that 
the 
mortgage 
servicer has established policies and procedures 
to use such funds only to replace funds used for 
borrower assistance, including to advance funds 
as a result of forbearance or other loss mitiga-
tion provided to borrowers;
1019 
‘‘(B) demonstrate that the mortgage 
servicer has established policies and procedures 
to provide forbearance, post-forbearance loss 
mitigation, and other assistance to borrowers in 
compliance with the terms of section 4022 or 
4023, as applicable; 
‘‘(C) 
demonstrate 
that 
the 
mortgage 
servicer has established policies and procedures 
to ensure that forbearance and post-forbearance 
assistance is available to all borrowers in a non- 
discriminatory fashion and in compliance with 
the Fair Housing Act, the Equal Credit Oppor-
tunity Act, and other applicable fair housing 
and fair lending laws; and 
‘‘(D) comply with the limitations on com-
pensation set forth in section 4004. 
‘‘(3) MORTGAGE SERVICER REQUIREMENTS.—A 
mortgage servicer receiving assistance under sub-
section (b)(4) may not, while the servicer is under 
any obligation to repay funds provided or guaran-
teed under this section— 
‘‘(A) pay dividends with respect to the 
common stock of the mortgage servicer or pur-
chase an equity security of the mortgage 
servicer or any parent company of the mortgage
1020 
servicer if the security is listed on a national se-
curities exchange, except to the extent required 
under a contractual obligation that is in effect 
on the date of enactment of this subsection; or 
‘‘(B) prepay any debt obligation.’’. 
(b) CREDIT FACILITY FOR RESIDENTIAL RENTAL 
PROPERTY OWNERS.— 
(1) IN GENERAL.—The Board of Governors of 
the Federal Reserve System shall— 
(A) establish a facility, using amounts 
made available under section 4003(b)(4) of the 
CARES Act (15 U.S.C. 9042(b)(4)), to make 
long-term, low-cost loans to residential rental 
property owners as to temporarily compensate 
such owners for documented financial losses 
caused by reductions in rent payments; and 
(B) defer such owners’ required payments 
on such loans until after six months after the 
date of enactment of this Act. 
(2) REQUIREMENTS.—A borrower that receives 
a loan under this subsection may not, for the dura-
tion of the loan— 
(A) evict or initiate the eviction of a tenant 
solely for nonpayment of rent or other fees or 
charges;
1021 
(B) charge any late fees, penalties, or 
other charges to a tenant for late payment of 
rent; and 
(C) with respect to a person or entity de-
scribed under paragraph (4), discriminate on 
the basis of source of income. 
(3) REPORT ON RESIDENTIAL RENTAL PROP-
ERTY OWNERS.—The Board of Governors shall issue 
reports to the Congress on a monthly basis con-
taining the following, with respect to each property 
owner receiving a loan under this subsection: 
(A) The number of borrowers that received 
assistance under this subsection. 
(B) The average total loan amount that 
each borrower received. 
(C) The total number of rental units that 
each borrower owned. 
(D) The average rent charged by each bor-
rower. 
(4) REPORT ON LARGE RESIDENTIAL RENTAL 
PROPERTY OWNERS.—The Board of Governors shall 
issue reports to the Congress on a monthly basis 
that identify any person or entity that in aggregate 
owns or holds a controlling interest in any entity 
that, in aggregate, owns—
1022 
(A) more than 100 rental units that are lo-
cated within in a single Metropolitan Statistical 
Area; 
(B) more than 1,000 rental units nation-
wide; or 
(C) rental units in three or more States. 
(c) AMENDMENTS TO NATIONAL HOUSING ACT.— 
Section 306(g)(1) of the National Housing Act (12 U.S.C. 
1721(a)) is amended— 
(1) in the fifth sentence, by inserting after 
‘‘issued’’ the following: ‘‘, subject to any pledge or 
grant of security interest of the Federal Reserve 
under section 4003(a) of the CARES Act (Public 
Law 116–136; 134 Stat. 470; 15 U.S.C. 9042(a)) 
and to any such mortgage or mortgages or any in-
terest therein and the proceeds thereon, which the 
Association may elect to approve’’; and 
(2) in the sixth sentence— 
(A) by striking ‘‘or (C)’’ and inserting 
‘‘(C)’’; and 
(B) by inserting before the period the fol-
lowing: ‘‘, or (D) its approval and honoring of 
any pledge or grant of security interest of the 
Federal Reserve under section 4003(a) of the 
CARES Act and to any such mortgage or mort-
1023 
gages or any interest therein and proceeds 
thereon as’’. 
SEC. 110205. RURAL RENTAL ASSISTANCE. 
There is authorized to be appropriated for fiscal year 
2020 $309,000,000 for rural rental assistance, which shall 
remain available until September 30, 2021, of which— 
(1) up to $25,000,000 million may be used for 
an additional amount for rural housing vouchers for 
any low-income households (including those not re-
ceiving rental assistance) residing in a property fi-
nanced with a section 515 loan which has been pre-
paid after September 30, 2005, or has matured after 
September 30, 2019; and 
(2) the remainder shall be used for an addi-
tional amount for rural rental assistance agreements 
entered into or renewed pursuant to section 
521(a)(2) of the Housing Act of 1949 (42 U.S.C. 
1490a(a)(2)) to— 
(A) supplement the rental assistance of 
households on whose behalf assistance is being 
provided; and 
(B) provide rental assistance on behalf of 
households who are not being assisted with such 
rental assistance but who qualify for such as-
sistance.
1024 
SEC. 110206. FUNDING FOR PUBLIC HOUSING AND TENANT- 
BASED RENTAL ASSISTANCE. 
(a) PUBLIC HOUSING OPERATING FUND.—There is 
authorized to be appropriated for an additional amount 
for fiscal year 2020 for the Public Housing Operating 
Fund under section 9(e) of the United States Housing Act 
of 1937 (42 U.S.C. 1437g(e)) $2,000,000,000, to remain 
available until September 30, 2021. 
(b) TENANT-BASED SECTION 8 RENTAL ASSIST-
ANCE.—There is authorized to be appropriated for an ad-
ditional amount for fiscal year 2020 for the tenant-based 
rental assistance under section 8(o) of the United States 
Housing 
Act 
of 
1937 
(42 
U.S.C. 
1437f(o)) 
$3,000,000,000, to remain available until September 30, 
2021, of which not more than $500,000,000 may be used 
for administrative fees under section 8(q) of such Act (42 
U.S.C. 1437f(q)). 
(c) APPLICABILITY OF WAIVERS.—Any waiver or al-
ternative requirement made by the Secretary of Housing 
and Urban Development pursuant to the heading ‘‘Ten-
ant-Based Rental Assistance’’ or ‘‘Public Housing Oper-
ating Fund’’ in title XII of division B of the CARES Act 
(Public Law 116–136) shall apply with respect to amounts 
made available pursuant to this section.
1025 
SEC. 110207. SUPPLEMENTAL FUNDING FOR SUPPORTIVE 
HOUSING FOR THE ELDERLY, SUPPORTIVE 
HOUSING FOR PERSONS WITH DISABILITIES, 
SUPPORTIVE HOUSING FOR PERSONS WITH 
AIDS, AND PROJECT-BASED SECTION 8 RENT-
AL ASSISTANCE. 
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated $500,000,000 for fiscal year 
2020 for additional assistance for supportive housing for 
the elderly, of which— 
(1) $200,000,000 shall be for rental assistance 
under section 202 of the Housing Act of 1959 (12 
U.S.C. 1701q) or section 8 of the United States 
Housing Act of 1937 (42 U.S.C. 1437f), as appro-
priate, and for hiring additional staff and for serv-
ices and costs, including acquiring personal protec-
tive equipment, to prevent, prepare for, or respond 
to 
the 
public 
health 
emergency 
relating 
to 
Coronavirus Disease 2019 (COVID-19) pandemic; 
and 
(2) $300,000,000 shall be for grants under sec-
tion 676 of the Housing and Community Develop-
ment Act of 1992 (42 U.S.C. 13632) for costs of 
providing service coordinators for purposes of coordi-
nating services to prevent, prepare for, or respond to
1026 
the public health emergency relating to Coronavirus 
Disease 2019 (COVID-19). 
Any provisions of, and waivers and alternative require-
ments issued by the Secretary pursuant to, the heading 
‘‘Department of Housing and Urban Development—Hous-
ing Programs—Housing for the Elderly’’ in title XII of 
division B of the CARES Act (Public Law 116–136) shall 
apply with respect to amounts made available pursuant 
to this subsection.
(b) ELIGIBILITY OF SUPPORTIVE HOUSING FOR PER-
SONS WITH DISABILITIES.—Subsection (a) of section 676 
of the Housing and Community Development Act of 1992 
(42 U.S.C. 13632(a)) shall be applied, for purposes of 
subsection (a) of this section, by substituting ‘‘(G), and 
(H)’’ for ‘‘ and (G)’’. 
(c) SERVICE COORDINATORS.— 
(1) HIRING.—In the hiring of staff using 
amounts made available pursuant to this section for 
costs of providing service coordinators, grantees 
shall consider and hire, at all levels of employment 
and to the greatest extent possible, a diverse staff, 
including by race, ethnicity, gender, and disability 
status. Each grantee shall submit a report to the 
Secretary of Housing and Urban Development de-
scribing compliance with the preceding sentence not
1027 
later than the expiration of the 120-day period that 
begins upon the termination of the emergency de-
clared on March 13, 2020, by the President under 
the Robert T. Stafford Disaster Relief and Emer-
gency Assistance Act (42 U.S.C. 4121 et seq.) relat-
ing to the Coronavirus Disease 2019 (COVID-19) 
pandemic. 
(2) ONE-TIME
GRANTS.—Grants made using 
amounts made available pursuant to subsection (a) 
for costs of providing service coordinators shall not 
be renewable. 
(3) ONE-YEAR
AVAILABILITY.—Any amounts 
made available pursuant to this section for costs of 
providing service coordinators that are allocated for 
a grantee and remain unexpended upon the expira-
tion of the 12-month period beginning upon such al-
location shall be recaptured by the Secretary. 
(d) FUNDING FOR SUPPORTIVE HOUSING FOR PER-
SONS WITH DISABILITIES.—There is authorized to be ap-
propriated $200,000,000 for fiscal year 2020 for addi-
tional assistance for supportive housing for persons with 
disabilities under section 811 of the Cranston-Gonzalez 
National Affordable Housing Act (42 U.S.C. 8013). Any 
provisions of, and waivers and alternative requirements 
issued by the Secretary pursuant to, the heading ‘‘Depart-
1028 
ment of Housing and Urban Development—Housing Pro-
grams—Housing for Persons With Disabilities’’ in title 
XII of division B of the CARES Act (Public Law 116– 
136) shall apply with respect to amounts made available 
pursuant to this subsection. 
(e) FUNDING FOR HOUSING OPPORTUNITIES FOR 
PEOPLE WITH AIDS PROGRAM.—There is authorized to 
be appropriated $15,000,000 for fiscal year 2020 for addi-
tional assistance for the Housing Opportunities for Per-
sons with AIDS program under the AIDS Housing Oppor-
tunity Act (42 U.S.C. 12901 et seq.). Any provisions of, 
and waivers and alternative requirements issued by the 
Secretary pursuant to, the heading ‘‘Department of Hous-
ing and Urban Development—Community Planning and 
Development—Housing Opportunities for Persons With 
AIDS’’ in title XII of division B of the CARES Act (Pub-
lic Law 116–136) shall apply with respect to amounts 
made available pursuant to this subsection. 
(f) FUNDING FOR PROJECT-BASED SECTION 8 RENT-
AL ASSISTANCE.—There is authorized to be appropriated 
$750,000,000 for fiscal year 2020 for additional assist-
ance for project-based rental assistance under section 8 
of the United States Housing Act of 1937 (42 U.S.C. 
1437f). Any provisions of, and waivers and alternative re-
quirements issued by the Secretary pursuant to, the head-
1029 
ing ‘‘Department of Housing and Urban Development— 
Housing Programs—Project-Based Rental Assistance’’ in 
title XII of division B of the CARES Act (Public Law 
116–136) shall apply with respect to amounts made avail-
able pursuant to this subsection. 
SEC. 110208. FAIR HOUSING. 
(a) DEFINITION
OF COVID–19 EMERGENCY PE-
RIOD.— For purposes of this Act, the term ‘‘COVID–19 
emergency period’’ means the period that begins upon the 
date of the enactment of this Act and ends upon the date 
of the termination by the Federal Emergency Manage-
ment Agency of the emergency declared on March 13, 
2020, by the President under the Robert T. Stafford Dis-
aster Relief and Emergency Assistance Act (42 U.S.C. 
4121 et seq.) relating to the Coronavirus Disease 2019 
(COVID–19) pandemic. 
(b) FAIR HOUSING ACTIVITIES.— 
(1) AUTHORIZATION OF APPROPRIATIONS.—To 
ensure existing grantees have sufficient resource for 
fair housing activities and for technology and equip-
ment needs to deliver services through use of the 
Internet or other electronic or virtual means in re-
sponse to the public health emergency related to the 
Coronavirus Disease 2019 (COVID-19) pandemic, 
there is authorized to be appropriated $4,000,000
1030 
for Fair Housing Organization Initiative grants 
through the Fair Housing Initiatives Program under 
section 561 of the Housing and Community Devel-
opment Act of 1987 (42 U.S.C. 3616a). 
(2) 3-YEAR AVAILABILITY.—Any amounts made 
available pursuant paragraph (1) that are allocated 
for a grantee and remain unexpended upon the expi-
ration of the 3-year period beginning upon such allo-
cation shall be recaptured by the Secretary. 
(c) FAIR HOUSING EDUCATION.—There is authorized 
to be appropriated $10,000,000 for the Office of Fair 
Housing and Equal Opportunity of the Department of 
Housing and Urban Development to carry out a national 
media campaign and local education and outreach to edu-
cate the public of increased housing rights during 
COVID–19 emergency period, that provides that informa-
tion and materials used in such campaign are available— 
(1) in the languages used by communities with 
limited English proficiency; and 
(2) to persons with disabilities. 
SEC. 110209. FUNDING FOR HOUSING COUNSELING SERV-
ICES. 
(a) CONGRESSIONAL FINDINGS.—The Congress finds 
that—
1031 
(1) the spread of Coronavirus Disease 2019 
(COVID–19), which is now considered a global pan-
demic, is expected to negatively impact the incomes 
of potentially millions of homeowners, renters, indi-
viduals experiencing homelessness, and individuals at 
risk of homelessness, making it difficult for them to 
pay their mortgages or rents on time; 
(2) housing counseling is critical to ensuring 
that homeowners, renters, individuals experiencing 
homelessness, and individuals at risk of homeless-
ness have the resources they need to manage finan-
cial hardships from the COVID-19 crisis; 
(3) loan preservation and foreclosure mitigation 
services are also critical to address the needs of 
homeowners who lose employment and income be-
cause of the pandemic and who face serious delin-
quency or home loan default, or are in foreclosing 
proceedings during this period; and 
(4) evaluations from the National Foreclosure 
Mitigation Counseling program revealed that home-
owners at risk of or facing foreclosure are better 
served when they have access to a housing counselor 
and a range of tools and resources to help them 
avoid losing their home and have the support they
1032 
need to tailor the best possible response to their sit-
uation. 
(b) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to the Neighborhood Rein-
vestment Corporation (in this section referred to as the 
‘‘Corporation’’) established under the Neighborhood Rein-
vestment Corporation Act (42 U.S.C. 8101 et seq.) 
$100,000,000 for fiscal year 2020 for housing counseling 
services, which shall remain available until September 30, 
2023. 
(c) PRIORITIZATION
OF
HOUSING
COUNSELING 
SERVICES.—Of any grant funds made available pursuant 
to subsection (b), not less than 40 percent shall be pro-
vided to counseling organizations that target counseling 
services to minority and low-income homeowners, renters, 
individuals experiencing homelessness, and individuals at 
risk of homelessness or provide such services in neighbor-
hoods with high concentrations of minority and low-in-
come homeowners, renters, individuals experiencing home-
lessness, and individuals at risk of homelessness. 
(d) ELIGIBLE USES.—Amounts made available pur-
suant to subsection (b) may be used in such amounts as 
the Corporation determines for costs of— 
(1) public education and outreach;
1033 
(2) direct services, including the full range of 
services provided by housing counselors to assist 
homeowners, including manufactured homeowners, 
regardless of financing type, renters, individuals ex-
periencing homelessness, and individuals at risk of 
homelessness, including the practices, tools, and in-
novations in foreclosure mitigation that were utilized 
in the National Foreclosure Mitigation Counseling 
Program, and financial capability, credit counseling, 
homeless counseling, and rental counseling; 
(3) 
equipment 
and 
technology, 
including 
broadband internet and equipment upgrades needed 
to ensure timely and effective service delivery; 
(4) training, including capacitating housing 
counseling staff in various modes of counseling, in-
cluding rental and foreclosure, delivery of remote 
counseling utilizing improved technology, enhanced 
network security, and supportive options for the de-
livery of client services; and 
(5) administration and oversight of the program 
in accordance with the Corporation’s rate for pro-
gram administration. 
(e) DISBURSEMENT.—The Corporation shall disburse 
all grant funds made available pursuant to subsection (b) 
as expeditiously as possible, through grants to housing
1034 
counseling intermediaries approved by the Department of 
Housing and Urban Development, State housing finance 
agencies, and NeighborWorks organizations. The aggre-
gate amount provided to NeighborWorks organizations 
shall not exceed 15 percent of the total of grant funds 
made available pursuant to subsection (b). 
TITLE III—PROTECTING PEOPLE 
EXPERIENCING HOMELESSNESS 
SEC. 110301. HOMELESS ASSISTANCE FUNDING. 
(a) EMERGENCY HOMELESS ASSISTANCE.— 
(1) AUTHORIZATION
OF
APPROPRIATIONS.— 
There is authorized to be appropriated under the 
Emergency Solutions Grants program under subtitle 
B of title IV of the McKinney-Vento Homeless As-
sistance 
Act 
(42 
U.S.C. 
11371 
et 
seq.) 
$11,500,000,000 for grants under such subtitle in 
accordance with this subsection to respond to needs 
arising from the public health emergency relating to 
Coronavirus Disease 2019 (COVID-19). Of such 
amounts made available, $4,000,000,000 shall be al-
located in accordance with sections 413 and 414 of 
the McKinney-Vento Homeless Assistance Act (42 
U.S.C. 11372, 11373). 
(2) FORMULA.—Notwithstanding sections 413 
and 414 of the McKinney-Vento Homeless Assist-
1035 
ance Act (42 U.S.C. 11372, 11373), the Secretary 
of Housing and Urban Development (in this Act re-
ferred to as the ‘‘Secretary’’) shall allocate any 
amounts remaining after amounts are allocated pur-
suant to paragraph (1) in accordance with a formula 
to be established by the Secretary that takes into 
consideration the following factors: 
(A) Risk of transmission of coronavirus in 
a jurisdiction. 
(B) Whether a jurisdiction has a high 
number or rate of sheltered and unsheltered 
homeless individuals and families. 
(C) Economic and housing market condi-
tions in a jurisdiction. 
(3) ELIGIBLE ACTIVITIES.—In addition to eligi-
ble activities under section 415(a) of the McKinney- 
Vento 
Homeless 
Assistance 
Act 
(42 
U.S.C. 
11374(a), amounts made available pursuant to para-
graph (1) may also be used for costs of the following 
activities: 
(A) Providing training on infectious dis-
ease prevention and mitigation. 
(B) Providing hazard pay, including for 
time worked before the effectiveness of this sub-
paragraph, for staff working directly to prevent
1036 
and mitigate the spread of coronavirus or 
COVID-19 among people experiencing or at 
risk of homelessness. 
(C) Reimbursement of costs for eligible ac-
tivities (including activities described in this 
paragraph) relating to preventing, preparing 
for, or responding to the coronavirus or 
COVID-19 that were accrued before the date of 
the enactment of this Act. 
(D) 
Notwithstanding 
C.F.R. 
576.102(a)(3), providing a hotel or motel 
voucher for a homeless individual or family. 
Use of such amounts for activities described in this 
paragraph shall not be considered use for adminis-
trative purposes for purposes of section 418 of the 
McKinney-Vento Homeless Assistance Act (42 
U.S.C. 11377). 
(4) 
INAPPLICABILITY
OF
PROCUREMENT 
STANDARDS.—To the extent amounts made available 
pursuant to paragraph (1) are used to procure goods 
and services relating to activities to prevent, prepare 
for, or respond to the coronavirus or COVID-19, the 
standards and requirements regarding procurement 
that are otherwise applicable shall not apply.
1037 
(5) INAPPLICABILITY
OF
HABITABILITY
AND 
ENVIRONMENTAL
REVIEW
STANDARDS.—Any Fed-
eral standards and requirements regarding habit-
ability and environmental review shall not apply with 
respect to any emergency shelter that is assisted 
with amounts made available pursuant to paragraph 
(1) and has been determined by a State or local 
health official, in accordance with such requirements 
as the Secretary shall establish, to be necessary to 
prevent and mitigate the spread of coronavirus or 
COVID-19, such shelters. 
(6) INAPPLICABILITY OF CAP ON EMERGENCY 
SHELTER
ACTIVITIES.—Subsection (b) of section 
415 of the McKinney-Vento Homeless Assistance 
Act (42 U.S.C. 11374) shall not apply to any 
amounts made available pursuant to paragraph (1) 
of this subsection. 
(7) INITIAL ALLOCATION OF ASSISTANCE.—Sec-
tion 417(b) of the McKinney-Vento Homeless Assist-
ance Act (42 U.S.C. 11376(b)) shall be applied with 
respect to amounts made available pursuant to para-
graph (1) of this subsection by substituting ‘‘30- 
day’’ for ‘‘60-day’’. 
(8) WAIVERS
AND
ALTERNATIVE
REQUIRE-
MENTS.—
1038 
(A) 
AUTHORITY.—In 
administering 
amounts made available pursuant to paragraph 
(1), the Secretary may waive, or specify alter-
native requirements for, any provision of any 
statute or regulation (except for any require-
ments related to fair housing, nondiscrimina-
tion, labor standards, and the environment) 
that the Secretary administers in connection 
with the obligation or use by the recipient of 
such amounts, if the Secretary finds that good 
cause exists for the waiver or alternative re-
quirement and such waiver or alternative re-
quirement is consistent with the purposes de-
scribed in this subsection. 
(B) NOTIFICATION.—The Secretary shall 
notify the public through the Federal Register 
or other appropriate means 5 days before the 
effective date of any such waiver or alternative 
requirement, and any such public notice may be 
provided on the Internet at the appropriate 
Government web site or through other elec-
tronic media, as determined by the Secretary. 
(C) EXEMPTION.—The use of amounts 
made available pursuant to paragraph (1) shall 
not be subject to the consultation, citizen par-
1039 
ticipation, or match requirements that other-
wise apply to the Emergency Solutions Grants 
program, except that a recipient shall publish 
how it has and will utilize its allocation at a 
minimum on the Internet at the appropriate 
Government web site or through other elec-
tronic media. 
(9) INAPPLICABILITY OF MATCHING REQUIRE-
MENT.—Subsection (a) of section 416 of the McKin-
ney-Vento Homeless Assistance Act (42 U.S.C. 
11375(a)) shall not apply to any amounts made 
available pursuant to paragraph (1) of this sub-
section. 
(10) PROHIBITION ON PREREQUISITES.—None 
of the funds authorized under this subsection may 
be used to require people experiencing homelessness 
to receive treatment or perform any other pre-
requisite activities as a condition for receiving shel-
ter, housing, or other services. 
(b) CONTINUUM OF CARE PROGRAM.—Due to the 
emergency relating to the Coronavirus Disease 2019 
(COVID-19) pandemic, the Notice of Funding Availability 
(NOFA) for fiscal year 2020 for the Continuum of Care 
program under subtitle C of title IV of the McKinney- 
Vento Homeless Assistance Act (42 U.S.C. 11381 et seq.)
1040 
shall have no force or effect and the Secretary of Housing 
and Urban Development shall distribute amounts made 
available for such fiscal year for such program based on 
the results of the competition for amounts made available 
for such program for fiscal year 2019 (FR-6300-–25), ex-
cept that grant amounts may be adjusted to account for 
changes in fair market rents. 
SEC. 110302. EMERGENCY RENTAL ASSISTANCE VOUCHER 
PROGRAM. 
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to the Secretary of Housing 
and Urban Development (in this section referred to as the 
‘‘Secretary’’), $1,000,000,000 for fiscal year 2020, to re-
main available until expended, for incremental emergency 
vouchers under subsection (b). 
(b) EMERGENCY VOUCHERS.— 
(1) IN GENERAL.—The Secretary shall provide 
emergency rental assistance vouchers under this sub-
section, which shall be tenant-based rental assistance 
under section 8(o) the United States Housing Act of 
1937 (42 U.S.C. 1437f(o)). 
(2) SELECTION OF FAMILIES.— 
(A) MANDATORY
PREFERENCES.—Each 
public housing agency administering assistance
1043 
(C) ELECTION NOT TO ADMINISTER.—If a 
public housing agency elects not to administer 
amounts under this section, the Secretary shall 
award such amounts to other public housing 
agencies according to the criteria in subpara-
graph (B). 
(D) FAILURE TO USE VOUCHERS PROMPT-
LY.—If a public housing agency fails to issue 
all of its authorized vouchers under this section 
on behalf of eligible families within a reasonable 
period of time as determined by the Secretary, 
the Secretary shall reallocate any unissued 
vouchers and associated funds to others public 
housing agencies according to the criteria under 
subparagraph (B)(ii). 
(3) WAIVERS
AND
ALTERNATIVE
REQUIRE-
MENTS.—Any waiver or alternative requirement that 
the Secretary makes available to all public housing 
agencies in connection with assistance made avail-
able under the heading ‘‘Tenant-Based Rental As-
sistance’’ in title XII of division B of the CARES 
Act (Public Law 116–136; 134 Stat.601) shall apply 
to assistance under this section until the expiration 
of such waiver or alternative requirement.
1044 
(4) TERMINATION OF VOUCHERS UPON TURN-
OVER.— 
(A) IN GENERAL.—A public housing agen-
cy may not reissue any vouchers made available 
under this section when assistance for the fam-
ily initially assisted is terminated. 
(B) REALLOCATION.—Upon termination of 
assistance for one or more families assisted by 
a public housing agency under this section, the 
Secretary shall reallocate amounts that are no 
longer needed by such public housing agency 
for assistance under this section to another 
public housing agency for the renewal of vouch-
ers previously authorized under this section. 
TITLE IV—SUSPENDING NEGA-
TIVE 
CREDIT 
REPORTING 
AND STRENGTHENING CON-
SUMER AND INVESTOR PRO-
TECTIONS 
SEC. 110401. REPORTING OF INFORMATION DURING MAJOR 
DISASTERS. 
(a) IN GENERAL.—The CARES Act (Public Law 
116–136) is amended by striking section 4021 and insert-
ing the following:
1045 
‘‘SEC. 4021. REPORTING OF INFORMATION DURING MAJOR 
DISASTERS. 
‘‘(a) PURPOSE.—The purpose of this section, and the 
amendments made by this section, is to protect consumers’ 
credit from negative impacts as a result of financial hard-
ship due to the coronavirus disease (COVID–19) outbreak 
and future major disasters. 
‘‘(b) REPORTING OF INFORMATION DURING MAJOR 
DISASTERS.— 
‘‘(1) IN GENERAL.—The Fair Credit Reporting 
Act is amended by inserting after section 605B the 
following: 
‘‘ ‘§ 605C. Reporting of information during major dis-
asters 
‘‘ ‘(a) DEFINITIONS.—In this section: 
‘‘ ‘(1) CONSUMER.—With respect to a covered 
period, the term ‘‘consumer’’ shall only include a 
consumer who is a resident of the affected area cov-
ered by the applicable disaster or emergency declara-
tion. 
‘‘ ‘(2) COVERED
MAJOR
DISASTER
PERIOD.— 
The term ‘‘covered major disaster period’’ means the 
period— 
‘‘ ‘(A) beginning on the date on which a 
major disaster is declared by the President 
under—
1046 
‘‘ ‘(i) section 401 of the Robert T. 
Stafford Disaster Relief and Emergency 
Assistance Act (42 U.S.C. 5170), under 
which assistance is authorized under sec-
tion 408 of such Act (42 U.S.C. 5174); or 
‘‘ ‘(ii) section 501 of such Act; and 
‘‘ ‘(B) ending on the date that is 120 days 
after the end of the incident period for such 
disaster. 
‘‘ ‘(3) COVERED PERIOD.—The term ‘‘covered 
period’’ means the COVID–19 emergency period or 
a covered major disaster period. 
‘‘ ‘(4) COVID–19 EMERGENCY
PERIOD.—The 
term ‘‘COVID–19 emergency period’’ means the pe-
riod beginning on March 13, 2020 (the date the 
President declared the emergency under section 501 
of the Robert T. Stafford Disaster Relief and Emer-
gency Assistance Act (42 U.S.C. 4121 et seq.) relat-
ing to the Coronavirus Disease 2019 (COVID-19) 
pandemic) and ending on the later of— 
‘‘ ‘(A) 120 days after the date of enact-
ment of this section; or 
‘‘ ‘(B) 120 days after the end of the inci-
dent period for such emergency.
1047 
‘‘ ‘(5) MAJOR DISASTER.—The term ‘‘major dis-
aster’’ means a major disaster declared by the Presi-
dent under— 
‘‘ ‘(A) section 401 of the Robert T. Staf-
ford Disaster Relief and Emergency Assistance 
Act (42 U.S.C. 5170), under which assistance 
is authorized under section 408 of such Act (42 
U.S.C. 5174); or 
‘‘ ‘(B) section 501 of such Act. 
‘‘ ‘(b) MORATORIUM ON FURNISHING ADVERSE IN-
FORMATION DURING COVERED PERIOD.—No person may 
furnish any adverse item of information (except informa-
tion related to a felony criminal conviction) relating to a 
consumer that was the result of any action or inaction that 
occurred during a covered period. 
‘‘ ‘(c) INFORMATION EXCLUDED FROM CONSUMER 
REPORTS.—In addition to the information described in 
section 605(a), no consumer reporting agency may make 
any consumer report containing an adverse item of infor-
mation (except information related to a felony criminal 
conviction) relating to a consumer that was the result of 
any action or inaction that occurred during a covered pe-
riod. 
‘‘ ‘(d) SUMMARY OF RIGHTS.—Not later than 60 days 
after the date of enactment of this section, the Director
1048 
of the Bureau shall update the model summary of rights 
under section 609(c)(1) to include a description of the 
right of a consumer to— 
‘‘ ‘(1) request the deletion of adverse items of 
information under subsection (e); and 
‘‘ ‘(2) request a consumer report or score, with-
out charge to the consumer, under subsection (f). 
‘‘ ‘(e) DELETION OF ADVERSE ITEMS OF INFORMA-
TION RESULTING FROM
THE CORONAVIRUS DISEASE 
(COVID–19) OUTBREAK AND MAJOR DISASTERS.— 
‘‘ ‘(1) REPORTING.— 
‘‘ ‘(A) IN
GENERAL.—Not later than 60 
days after the date of enactment of this sub-
section, the Director of the Bureau shall create 
a website for consumers to report, under pen-
alty of perjury, economic hardship as a result of 
the coronavirus disease (COVID–19) outbreak 
or a major disaster for the purpose of providing 
credit report protections under this subsection. 
‘‘ ‘(B) DOCUMENTATION.—The Director of 
the Bureau shall— 
‘‘ ‘(i) not require any documentation 
from a consumer to substantiate the eco-
nomic hardship; and
1049 
‘‘ ‘(ii) provide notice to the consumer 
that a report under subparagraph (A) is 
under penalty of perjury. 
‘‘ ‘(C) REPORTING
PERIOD.—A consumer 
may report economic hardship under subpara-
graph (A) during a covered period and for 60 
days thereafter. 
‘‘ ‘(2) DATABASE.—The Director of the Bureau 
shall establish and maintain a secure database 
that— 
‘‘ ‘(A) is accessible to each consumer re-
porting agency described in section 603(p) and 
nationwide specialty consumer reporting agency 
for purposes of fulfilling their duties under 
paragraph (3) to check and automatically delete 
any adverse item of information (except infor-
mation related to a felony criminal conviction) 
reported that occurred during a covered period 
with respect to a consumer; and 
‘‘ ‘(B) contains the information reported 
under paragraph (1). 
‘‘ ‘(3) DELETION OF ADVERSE ITEMS OF INFOR-
MATION
BY
NATIONWIDE
CONSUMER
REPORTING 
AND NATIONWIDE SPECIALTY CONSUMER REPORT-
ING AGENCIES.—
1050 
‘‘ ‘(A) IN GENERAL.—Each consumer re-
porting agency described in section 603(p) and 
each nationwide specialty consumer reporting 
agency shall, using the information contained in 
the database established under paragraph (2), 
delete from the file of each consumer named in 
the database each adverse item of information 
(except information related to a felony criminal 
conviction) that was a result of an action or in-
action that occurred during a covered period or 
in the 270-day period following the end of a 
covered period. 
‘‘ ‘(B) TIMELINE.—Each consumer report-
ing agency described in section 603(p) and each 
nationwide specialty consumer reporting agency 
shall check the database at least weekly and de-
lete adverse items of information as soon as 
practicable after information that is reported 
under paragraph (1) appears in the database 
established under paragraph (2). 
‘‘ ‘(4) REQUEST
FOR
DELETION
OF
ADVERSE 
ITEMS OF INFORMATION.— 
‘‘ ‘(A) IN GENERAL.—A consumer who has 
filed a report of economic hardship with the 
Bureau may submit a request, without charge
1051 
to the consumer, to a consumer reporting agen-
cy described in section 603(p) or nationwide 
specialty consumer reporting agency to delete 
from the consumer’s file an adverse item of in-
formation (except information related to a fel-
ony criminal conviction) that was a result of an 
action or inaction that occurred during a cov-
ered period or in the 270-day period following 
the end of a covered period. 
‘‘ ‘(B) TIMING.—A consumer may submit a 
request under subparagraph (A), not later than 
the end of the 270-day period described in that 
subparagraph. 
‘‘ ‘(C) REMOVAL
AND
NOTIFICATION.— 
Upon receiving a request under this paragraph 
to delete an adverse item of information, a con-
sumer reporting agency described in section 
603(p) or nationwide specialty consumer report-
ing agency shall— 
‘‘ ‘(i) delete the adverse item of infor-
mation (except information related to a fel-
ony criminal conviction) from the con-
sumer’s file; and
1052 
‘‘ ‘(ii) notify the consumer and the 
furnisher of the adverse item of informa-
tion of the deletion. 
‘‘ ‘(f) FREE CREDIT REPORT AND SCORES.— 
‘‘ ‘(1) IN GENERAL.—During the period between 
the beginning of a covered period and ending 12- 
months after the end of the covered period, each 
consumer reporting agency described under section 
603(p) and each nationwide specialty consumer re-
porting agency shall make all disclosures described 
under section 609 upon request by a consumer, by 
mail or online, without charge to the consumer and 
without limitation as to the number of requests. 
Such a consumer reporting agency shall also supply 
a consumer, upon request and without charge, with 
a credit score that— 
‘‘ ‘(A) is derived from a credit scoring 
model that is widely distributed to users by the 
consumer reporting agency for the purpose of 
any extension of credit or other transaction des-
ignated by the consumer who is requesting the 
credit score; or 
‘‘ ‘(B) is widely distributed to lenders of 
common consumer loan products and predicts 
the future credit behavior of a consumer.
1053 
‘‘ ‘(2) TIMING.—A file disclosure or credit score 
under paragraph (1) shall be provided to the con-
sumer not later than— 
‘‘ ‘(A) 7 days after the date on which the 
request is received if the request is made by 
mail; and 
‘‘ ‘(B) not later than 15 minutes if the re-
quest is made online. 
‘‘ ‘(3) ADDITIONAL REPORTS.—A file disclosure 
provided under paragraph (1) shall be in addition to 
any disclosure requested by the consumer under sec-
tion 612(a). 
‘‘ ‘(4) PROHIBITION.—A consumer reporting 
agency that receives a request under paragraph (1) 
may not request or require any documentation from 
the consumer that demonstrates that the consumer 
was impacted by the coronavirus disease (COVID– 
19) outbreak or a major disaster (except to verify 
that the consumer is a resident of the affected area 
covered by the applicable disaster or emergency dec-
laration) as a condition of receiving the file disclo-
sure or score. 
‘‘ ‘(g) POSTING OF RIGHTS.—Not later than 30 days 
after the date of enactment of this section, each consumer 
reporting agency described under section 603(p) and each
1054 
nationwide specialty consumer reporting agency shall 
prominently post and maintain a direct link on the home-
page of the public website of the consumer reporting agen-
cy information relating to the right of consumers to— 
‘‘ ‘(1) request the deletion of adverse items of 
information (except information related to a felony 
criminal conviction) under subsection (e); and 
‘‘ ‘(2) request consumer file disclosures and 
scores, without charge to the consumer, under sub-
section (f). 
‘‘ ‘(h) BAN ON REPORTING MEDICAL DEBT INFOR-
MATION RELATED
TO COVID–19 OR
A MAJOR DIS-
ASTER.— 
‘‘ ‘(1) FURNISHING BAN.—No person shall fur-
nish adverse information to a consumer reporting 
agency related to medical debt if such medical debt 
is with respect to medical expenses related to treat-
ments arising from COVID–19 or a major disaster 
(whether or not the expenses were incurred during 
a covered period). 
‘‘ ‘(2) CONSUMER REPORT BAN.—No consumer 
reporting agency may make a consumer report con-
taining adverse information related to medical debt 
if such medical debt is with respect to medical ex-
penses related to treatments arising from COVID–
1055 
19 or a major disaster (whether or not the expenses 
were incurred during a covered period). 
‘‘ ‘(i) CREDIT SCORING MODELS.—A person that cre-
ates and implements credit scoring models may not treat 
the absence, omission, or deletion of any information pur-
suant to this section as a negative factor or negative value 
in credit scoring models created or implemented by such 
person.’. 
‘‘(2) TECHNICAL
AND
CONFORMING
AMEND-
MENT.—The table of contents for the Fair Credit 
Reporting Act is amended by inserting after the 
item relating to section 605B the following: 
‘‘ ‘605C. Reporting of information during major disasters.’. 
‘‘SEC. 4021A. LIMITATIONS ON NEW CREDIT SCORING MOD-
ELS DURING THE COVID–19 EMERGENCY AND 
MAJOR DISASTERS. 
‘‘The Fair Credit Reporting Act (15 U.S.C. 1681 et 
seq.) is amended— 
‘‘(1) by adding at the end the following: 
‘‘ ‘§ 630. Limitations on new credit scoring models 
during the COVID–19 emergency and 
major disasters 
‘‘ ‘With respect to a person that creates and imple-
ments credit scoring models, such person may not, during 
a covered period (as defined under section 605C), create 
or implement a new credit scoring model (including a revi-
1056 
sion to an existing scoring model) if the new credit scoring 
model would identify a significant percentage of con-
sumers as being less creditworthy when compared to the 
previous credit scoring models created or implemented by 
such person.’; and 
‘‘(2) in the table of contents for such Act, by 
adding at the end the following new item: 
‘‘ ‘630. Limitations on new credit scoring models during the COVID–19 emer-
gency and major disasters.’. 
(b) CLERICAL AMENDMENT.—The table of contents 
in section 2 of the CARES Act is amended by striking 
the item relating to section 4021 and inserting the fol-
lowing: 
‘‘Sec. 4021. Reporting of information during major disasters. 
‘‘Sec. 4021A. Limitations on new credit scoring models during the COVID–19 
emergency and major disasters.’’. 
(c) CONFORMING AMENDMENT.—Subparagraph (F) 
of section 623(a)(1) of the Fair Credit Reporting Act (15 
U.S.C. 1681s–2(a)(1)) is hereby repealed. 
SEC. 110402. RESTRICTIONS ON COLLECTIONS OF CON-
SUMER DEBT DURING A NATIONAL DISASTER 
OR EMERGENCY. 
(a) IN GENERAL.—The Fair Debt Collection Prac-
tices Act (15 U.S.C. 1692 et seq.) is amended by inserting 
after section 812 (15 U.S.C. 1692j) the following:
1057 
‘‘§ 812A. Restrictions on collections of consumer debt 
during a national disaster or emergency 
‘‘(a) DEFINITIONS.—In this section: 
‘‘(1) COVERED PERIOD.—The term ‘covered pe-
riod’ means the period beginning on the date of en-
actment of this section and ending 120 days after 
the end of the incident period for the emergency de-
clared on March 13, 2020, by the President under 
section 501 of the Robert T. Stafford Disaster Relief 
and Emergency Assistance Act (42 U.S.C. 4121 et 
seq.) relating to the Coronavirus Disease 2019 
(COVID-19) pandemic. 
‘‘(2) CREDITOR.—The term ‘creditor’ means 
any person— 
‘‘(A) who offers or extends credit creating 
a debt or to whom a debt is owed; or 
‘‘(B) to whom any obligation for payment 
is owed. 
‘‘(3) DEBT.—The term ‘debt’— 
‘‘(A) means any obligation or alleged obli-
gation that is or during the covered period be-
comes past due, other than an obligation aris-
ing out of a credit agreement entered into after 
the effective date of this section, that arises out 
of a transaction with a consumer; and 
‘‘(B) does not include a mortgage loan.
1058 
‘‘(4) DEBT COLLECTOR.—The term ‘debt col-
lector’ means a creditor and any other person or en-
tity that engages in the collection of debt, including 
the Federal Government and a State government, ir-
respective of whether the applicable debt is allegedly 
owed to or assigned to such creditor, person, or enti-
ty. 
‘‘(5) MORTGAGE
LOAN.—The term ‘mortgage 
loan’ means a covered mortgage loan (as defined 
under section 4022 of the CARES Act) and a multi-
family mortgage loan (as defined under section 4023 
of the CARES Act). 
‘‘(b) PROHIBITIONS.— 
‘‘(1) IN GENERAL.—Notwithstanding any other 
provision of law, no debt collector may, during a cov-
ered period— 
‘‘(A) enforce a security interest securing a 
debt through repossession, limitation of use, or 
foreclosure; 
‘‘(B) take or threaten to take any action to 
deprive an individual of their liberty as a result 
of nonpayment of or nonappearance at any 
hearing relating to an obligation owed by a con-
sumer;
1059 
‘‘(C) collect any debt, by way of garnish-
ment, attachment, assignment, deduction, off-
set, or other seizure, from— 
‘‘(i) wages, income, benefits, bank, 
prepaid or other asset accounts; or 
‘‘(ii) any assets of, or other amounts 
due to, a consumer; 
‘‘(D) commence or continue an action to 
evict a consumer from real or personal property 
for nonpayment; 
‘‘(E) disconnect or terminate service from 
a utility service, including electricity, natural 
gas, telecommunications or broadband, water, 
or sewer, for nonpayment; or 
‘‘(F) threaten to take any of the foregoing 
actions. 
‘‘(2) RULE
OF
CONSTRUCTION.—Nothing in 
this section may be construed to prohibit a consumer 
from voluntarily paying, in whole or in part, a debt. 
‘‘(c) LIMITATION ON FEES AND INTEREST.—After 
the expiration of a covered period, a debt collector may 
not add to any past due debt any interest on unpaid inter-
est, higher rate of interest triggered by the nonpayment 
of the debt, or fee triggered prior to the expiration of the 
covered period by the nonpayment of the debt.
1060 
‘‘(e) VIOLATIONS.—Any person or government entity 
that violates this section shall be liable to the applicable 
consumer as provided under section 813, except that, for 
purposes of applying section 813— 
‘‘(1) such person or government entity shall be 
deemed a debt collector, as such term is defined for 
purposes of section 813; and 
‘‘(2) each dollar figure in such section shall be 
deemed to be 10 times the dollar figure specified. 
‘‘(f) TOLLING.—Any applicable time limitations for 
exercising an action prohibited under subsection (b) shall 
be tolled during a covered period. 
‘‘(g) PREDISPUTE ARBITRATION AGREEMENTS.— 
Notwithstanding any other provision of law, no predispute 
arbitration agreement or predispute joint-action waiver 
shall be valid or enforceable with respect to a dispute 
brought under this section, including a dispute as to the 
applicability of this section, which shall be determined 
under Federal law.’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
for the Fair Debt Collection Practices Act is amended by 
inserting after the item relating to section 812 the fol-
lowing: 
‘‘812A. Restrictions on collections of consumer debt during a national disaster 
or emergency.’’.
1061 
SEC. 110403. REPAYMENT PERIOD AND FORBEARANCE FOR 
CONSUMERS. 
Section 812A of the Fair Debt Collection Practices 
Act (15 U.S.C. 1692 et seq.), as added by section 110402, 
is amended— 
(1) by inserting after subsection (c) the fol-
lowing: 
‘‘(d) REPAYMENT PERIOD.—After the expiration of 
a covered period, a debt collector shall comply with the 
following: 
‘‘(1) DEBT ARISING FROM CREDIT WITH A DE-
FINED
PAYMENT
PERIOD.—For any debt arising 
from credit with a defined term, the debt collector 
shall extend the time period to repay any past due 
balance of the debt by— 
‘‘(A) 1 payment period for each payment 
that a consumer missed during the covered pe-
riod, with the payments due in the same 
amounts and at the same intervals as the pre- 
existing payment schedule; and 
‘‘(B) 1 payment period in addition to the 
payment periods described under subparagraph 
(A). 
‘‘(2) DEBT ARISING FROM AN OPEN END CRED-
IT PLAN.—For debt arising from an open end credit 
plan, as defined in section 103 of the Truth in