(6) DEFINITION.—For the purposes of this sub-
section, the term ‘‘multifamily borrower’’ means a 
borrower of a residential mortgage loan that is se-
cured by a lien against a property comprising five or 
more dwelling units. 
(g) FEDERAL
RESERVE
CREDIT
FACILITY
FOR 
MORTGAGE SERVICERS.— 
(1) IN GENERAL.—The Board of Governors of 
the Federal Reserve System and the Secretary of the 
Treasury, pursuant to the authority granted under 
section 13(3) of the Federal Reserve Act, directly 
(or indirectly through an intermediary, such as the 
Federal National Mortgage Association, the Federal 
Home Loan Mortgage Corporation, the Government 
National Mortgage Association, an insured deposi-
tory institution, non-depository lending institution, 
or a special purpose vehicle)— 
(A) shall extend credit to mortgage 
servicers and other obligated advancing parties 
that in each case have liquidity needs due to the 
COVID–19 emergency or compliance with this 
Act with respect to mortgage loans (the ‘‘af-
fected mortgages’’); and 
(B) may extend further credit to mortgage 
servicers for other liquidity needs due to the ac-
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PAMTMANN on DSKBC07HB2PROD with BILLS
tual or imminent delinquency or default on 
mortgage loans due to the COVID–19 emer-
gency. 
(2) NON-COMPLIANT SERVICERS.—A mortgage 
servicer shall not be eligible for assistance under 
paragraph (1) if the provider is in violation of any 
requirement under this Act, and fails to promptly 
cure any such violation upon notice or discovery 
thereof. 
(3) PAYMENTS
AND
PURCHASES.—Credit ex-
tended under paragraph (1)(A) shall be in an 
amount sufficient to— 
(A) cover— 
(i) the pass-through payment of prin-
cipal and interest to mortgage-backed se-
curities holders; 
(ii) the payment of taxes and insur-
ance to third parties; and 
(iii) the temporary reimbursement of 
modification costs and fees due to servicers 
that will be deferred until such time as a 
forbearance period terminates, due in each 
case on, or in respect of, such affected 
mortgage loans or related mortgage-backed 
securities; and 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(B) purchase affected mortgages from 
pools of securitized mortgages. 
(4) COLLATERAL.—The credit authorized by 
this section shall be secured by the pledgor’s interest 
in accounts receivable, loans, or related interests re-
sulting from the payment advances made on the af-
fected mortgages by the mortgage servicers. 
(5) CREDIT SUPPORT.—The Secretary of the 
Treasury shall provide credit support to the Board 
of Governors of the Federal Reserve System for the 
program required by this section. 
(6) CONFLICT WITH OTHER LAWS.—Notwith-
standing any Federal or State law to the contrary, 
the Federal National Mortgage Association, the Fed-
eral Home Loan Mortgage Corporation, and the 
Government National Mortgage Association may 
permit the pledge or grant of a security interest in 
the pledgor’s interest in such accounts receivable or 
loans or related interests and honor or permit the 
enforcement of such pledge or grant in accordance 
with its terms. 
(7) DURATION.—The extension of credit by the 
Board of Governors of the Federal Reserve System 
and credit support from the Secretary of the Treas-
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PAMTMANN on DSKBC07HB2PROD with BILLS
ury under this section shall be available until the 
later of— 
(A) 6 months after the end of the COVID– 
19 emergency; and 
(B) the date on which on the Board of 
Governors of the Federal Reserve System and 
the Secretary of the Treasury determine such 
credit and credit support should no longer be 
available to address the liquidity concern ad-
dressed by this section. 
(8) AMENDMENTS
TO
NATIONAL
HOUSING 
ACT.—Section 306(g)(1) of the National Housing 
Act (12 U.S.C. 1721(g)(1)) is amended— 
(A) by inserting the following new sentence 
after the fourth sentence in the paragraph: ‘‘In 
any case in which (I) the President declares a 
major disaster or emergency for the nation or 
any area that in either case has been affected 
by damage or other adverse effects of sufficient 
severity and magnitude to warrant major dis-
aster assistance under the Robert T. Stafford 
Disaster Relief and Emergency Assistance Act 
or other Federal law, (II) upon request of an 
Issuer of any security, the Association elects to 
extend to the Issuer one or more of the disaster 
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PAMTMANN on DSKBC07HB2PROD with BILLS
assistance or emergency programs that the As-
sociation determines to be available to account 
for the Issuer’s failure or anticipated failure to 
receive from the mortgagor the full amount of 
principal and interest due, then (III) the Asso-
ciation may elect not to declare the Issuer to be 
in default because of such request for such dis-
aster or emergency assistance.’’; 
(B) by inserting after the word ‘‘issued’’ in 
the sixth sentence, as redesignated, the fol-
lowing: ‘‘subject to any pledge or grant of secu-
rity interest of the pledgor’s interest in and to 
any such mortgage or mortgages or any interest 
therein and the proceeds thereon, which the As-
sociation may elect to approve;’’; and 
(C) by inserting after the word ‘‘issued’’ in 
the seventh sentence, as redesignated, the fol-
lowing: ‘‘, or (D) its approval and honoring of 
any pledge or grant of security interest of the 
pledgor’s interest in and to any such mortgage 
or mortgages or any interest therein and pro-
ceeds thereon.’’. 
(h) SAFE HARBOR.— 
(1) IN GENERAL.—Notwithstanding any other 
provision of law, whenever a servicer of residential 
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PAMTMANN on DSKBC07HB2PROD with BILLS
mortgages of residential mortgage-backed securi-
ties— 
(A) grants a borrower relief under section 
6(n) and 6(p) of the Real Estate Settlement 
Procedures Act of 1974 with respect to a resi-
dential mortgage originated before April 1, 
2020, 
including 
a 
mortgage 
held 
in 
a 
securitization or other investment vehicle; and 
(B) the servicer or trustee or issuer owes 
a duty to investors or other parties regarding 
the standard for servicing such mortgage, 
the servicer shall be deemed to have satisfied such 
a duty, and the servicer shall not be liable to any 
party who is owed such a duty and shall not be sub-
ject to any injunction, stay, or other equitable relief 
to such party, based upon its good faith compliance 
with the provisions of 6(n) and 6(p) of the Real Es-
tate Settlement Procedures Act of 1974. Any per-
son, including a trustee or issuer, who cooperates 
with a servicer when such cooperation is necessary 
for the servicer to implement the provisions of 6(n) 
and 6(p) of the Real Estate Settlement Procedures 
Act of 1974 shall be protected from liability in the 
same manner. 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(2) STANDARD INDUSTRY PRACTICE.—Compli-
ance with 6(n) and 6(p) of the Real Estate Settle-
ment Procedures Act of 1974 during the COVID–19 
emergency shall constitute standard industry prac-
tice for purposes of all Federal and State laws. 
(3) DEFINITIONS.—As used in this sub-
section— 
(A) the term ‘‘servicer’’ has the meaning 
given that term under section 6(i)(2) of the 
Real Estate Settlement Procedures Act of 1974 
(12 U.S.C. 2605(i)(2)); and 
(B) the term ‘‘securitization vehicle’’ has 
the meaning given that term under section 
129A(f)(3) of the Truth in Lending Act (15 
U.S.C. 1639a(f)(3)). 
(4) RULE OF CONSTRUCTION.—No provision of 
paragraph (1) or (2) shall be construed as affecting 
the liability of any servicer or person for actual 
fraud in servicing of a loan or for the violation of 
a State or Federal law. 
(i) POST-PANDEMIC MORTGAGE REPAYMENT OP-
TIONS.—Section 6 of the Real Estate Settlement Proce-
dures Act of 1974 (12 U.S.C. 2605), as amended by sub-
section (d), is further amended by adding at the end the 
following: 
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PAMTMANN on DSKBC07HB2PROD with BILLS
‘‘(p) POST-PANDEMIC MORTGAGE REPAYMENT OP-
TIONS.—With respect to a federally related residential 
mortgage loan, before the end of any forbearance provided 
under subsection (n), servicers shall— 
‘‘(1) evaluate the borrower’s ability to return to 
making regular mortgage payments; 
‘‘(2) if the borrower is able to return to making 
regular mortgage payments at the end of the for-
bearance period— 
‘‘(A) modify the borrower’s loan to extend 
the term for the same period as the length of 
the forbearance, with all payments that were 
not made during the forbearance distributed at 
the same intervals as the borrower’s existing 
payment schedule and evenly distributed across 
those intervals, with no penalties, late fees, ad-
ditional interest accrued beyond the amounts 
scheduled or calculated as if the borrower made 
all contractual payments on time and in full 
under the terms of the mortgage contract in ef-
fect at the time the borrower entered into the 
forbearance, and with no modification fee 
charged to the borrower; 
‘‘(B) if the borrower elects to modify the 
loan to capitalize a resulting escrow shortage or 
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PAMTMANN on DSKBC07HB2PROD with BILLS
deficiency, the servicer may modify the bor-
rower’s loan by re-amortizing the principal bal-
ance and extending the term of the loan suffi-
cient to maintain the regular mortgage pay-
ments; and 
‘‘(C) notify the borrower in writing of the 
extension, including provision of a new payment 
schedule and date of maturity, and that the 
borrower shall have the election of prepaying 
the suspended payments at any time, in a lump 
sum or otherwise; 
‘‘(3) if the borrower is financially unable to re-
turn to making periodic mortgage payments as pro-
vided for in the mortgage contract at the end of the 
COVID–19 emergency— 
‘‘(A) evaluate the borrower for all loan 
modification options, without regard to whether 
the borrower has previously requested, been of-
fered, or provided a loan modification or other 
loss mitigation option and without any require-
ment that the borrower come current before 
such evaluation or as a condition of eligibility 
for such modification, including— 
‘‘(i) further extending the borrower’s 
repayment period; 
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PAMTMANN on DSKBC07HB2PROD with BILLS
‘‘(ii) reducing the principal balance of 
the loan; or 
‘‘(iii) other modification or loss miti-
gation options available to the servicer 
under the terms of any investor require-
ments and existing laws and policies; and 
‘‘(B) if the borrower qualifies for such a 
modification, the service shall offer a loan with 
such terms as to provide a loan with such terms 
as to provide an affordable payment, with no 
penalties, late fees, additional interest beyond 
the amounts scheduled or calculated as if the 
borrower made all contractual payments on 
time and in full under the terms of the mort-
gage contract in effect at the time the borrower 
entered into the forbearance, and with no modi-
fication fees charged to the borrower; and 
‘‘(4) if a borrower is granted a forbearance on 
payments that would be owed pursuant to a trial 
loan modification plan— 
‘‘(A) any forbearance of payments shall 
not be treated as missed or delinquent pay-
ments or otherwise negatively affect the bor-
rower’s ability to complete their trial plan; 
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PAMTMANN on DSKBC07HB2PROD with BILLS
‘‘(B) any past due amounts as of the end 
of the trial period, including unpaid interest, 
real estate taxes, insurance premiums, and as-
sessments paid on the borrower’s behalf, will be 
added to the mortgage loan balance, but only to 
the extent that such charges are not fees associ-
ated with the granting of the forbearance, such 
as late fees, modification fees, or unpaid inter-
est from the period of the forbearance beyond 
the amounts scheduled or calculated as if the 
borrower made all contractual payments on 
time and in full under the terms of the mort-
gage contract in effect at the time the borrower 
entered into the forbearance; and 
‘‘(C) if the borrower is unable to resume 
payments on the trial modification at the end of 
the forbearance period, re-evaluate the borrower 
for all available loan modifications under para-
graph 3, without any requirement that the bor-
rower become current before such evaluation or 
as a condition of eligibility for such modifica-
tion.’’. 
(j) CLAIMS OF AFFECTED INVESTORS AND OTHER 
PARTIES.—Any action asserting a taking under the Fifth 
Amendment to the Constitution of the United States as 
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PAMTMANN on DSKBC07HB2PROD with BILLS
a result of this subsection shall be brought not later than 
180 days after the end of the COVID–19 emergency. 
(k) EXTENSION OF THE GSE PATCH.—The Director 
of the Bureau of Consumer Financial Protection shall re-
vise section 1026.43(e)(4)(iii)(B) of title 12, Code of Fed-
eral Regulations, to extend the sunset of the special rule 
provided under such section 1026.43(e)(4) until January 
1, 2022, or such later date as may be determined by the 
Bureau. 
(l) DEFINITIONS.—In this section: 
(1) 
COVID–19 
EMERGENCY.—The 
term 
‘‘COVID–19 emergency’’ means the period that be-
gins upon the date of the enactment of this Act and 
ends on the 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 Emer-
gency Assistance Act (42 U.S.C. 4121 et seq.) relat-
ing to the Coronavirus Disease 2019 (COVID–19) 
pandemic. 
(2) MANUFACTURED HOME.—The term ‘‘manu-
factured home’’ has the meaning given that term 
under section 603 of the National Manufactured 
Housing Construction and Safety Standards Act of 
1974 (42 U.S.C. 5402). 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(3) MOTOR VEHICLE.—The term ‘‘motor vehi-
cle’’ has the meaning given that term under Section 
1029(f) of the Consumer Financial Protection Act of 
2010 (12 U.S.C. 5519(f)). 
(4) RESIDENTIAL MORTGAGE LOAN.—The term 
‘‘residential mortgage loan’’ means any consumer 
credit transaction that is secured by a mortgage, 
deed of trust, or other equivalent consensual security 
interest on residence consisting of a single dwelling 
unit that is occupied by the mortgagor. 
SEC. 110. BANKRUPTCY PROTECTIONS. 
(a) INCREASING THE HOMESTEAD EXEMPTION.— 
(1) HOMESTEAD EXEMPTION.—Section 522 of 
title 11, United States Code, is amended— 
(A) in subsection (d)(1), by striking 
‘‘$15,000’’ and inserting ‘‘$100,000’’; and 
(B) by adding at the end the following: 
‘‘(r) Notwithstanding any other provision of applica-
ble nonbankruptcy law, a debtor in any State may exempt 
from property of the estate the property described in sub-
section (d)(1) not to exceed the value in subsection (d)(1) 
if the exemption for such property permitted by applicable 
nonbankruptcy law is lower than that amount.’’. 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(b) EFFECT OF MISSED MORTGAGE PAYMENTS ON 
DISCHARGE.—Section 1328 of title 11, United States 
Code, is amended by adding at the end the following: 
‘‘(i) A debtor shall not be denied a 
discharge under this section because, as of 
the date of discharge, the debtor did not 
make 6 or fewer payments directly to the 
holder of a debt secured by real property. 
‘‘(j) Notwithstanding subsections (a) and (b), upon 
the debtor’s request, the court shall grant a discharge of 
all debts provided for in the plan that are dischargeable 
under subsection (a) if the debtor— 
‘‘(1) has made payments under a confirmed 
plan for at least 1 year; and 
‘‘(2) is experiencing a loss of income or increase 
in expenses due, directly or indirectly, to the 
coronavirus disease 2019 (COVID–19) pandemic.’’. 
(c) MODIFICATION OF CHAPTER 13 PLAN DUE TO 
HARDSHIP CAUSED BY COVID-19 PANDEMIC.—Section 
1329 of title 11, United States Code, is amended by add-
ing at end the following: 
‘‘(d)(1) Subject to paragraph (3), for cases confirmed 
prior to the date of enactment of this subsection, the plan 
may be modified upon the request of the debtor if— 
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PAMTMANN on DSKBC07HB2PROD with BILLS
‘‘(A) the debtor is experiencing or has ex-
perienced a material financial hardship due, di-
rectly or indirectly, to the coronavirus disease 
2019 (COVID–19) pandemic; and 
‘‘(B) the modification is approved after no-
tice and a hearing. 
‘‘(2) A modification under paragraph (1) may 
include extending the period of time for payments on 
claims not later than 7 years after the date on which 
the first payment under the original confirmed plan 
was due. 
‘‘(3) Sections 1322(a), 1322(b), 1323(c), and 
the requirements of section 1325(a) shall apply to 
any modification under paragraph (1).’’. 
(d) APPLICABILITY.— 
(1) The amendments made by subsections (a) 
and (b) shall apply to any case commenced before, 
on, or after the date of enactment of this Act. 
(2) The amendment made by subsection (c) 
shall apply to any case for which a plan has been 
confirmed under section 1325 of title 11, United 
States Code, before the date of enactment of this 
Act. 
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SEC. 111. DEBT COLLECTION. 
(a) TEMPORARY DEBT COLLECTION MORATORIUM 
DURING THE COVID-19 EMERGENCY PERIOD.— 
(1) IN
GENERAL.—The Fair Debt Collection 
Practices Act (15 U.S.C. 1692 et seq.) is amended 
by inserting after section 812 the following: 
‘‘§ 812A. Temporary debt collection moratorium dur-
ing the COVID-19 emergency period 
‘‘(a) DEFINITIONS.—In this section: 
‘‘(1) CONSUMER.—The term ‘consumer’ means 
any natural person obligated or allegedly obligated 
to pay any debt. 
‘‘(2) COVID-19
EMERGENCY
PERIOD.—The 
term ‘COVID-19 emergency period’ means the pe-
riod that begins upon the date of the enactment of 
this Act and ends upon the date of the termination 
by the Federal Emergency Management Administra-
tion 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. 
‘‘(3) CREDITOR.—The term ‘creditor’ means 
any person who offers or extends credit creating a 
debt or to whom a debt is owed or other obligation 
of payment. 
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‘‘(4) DEBT.—The term ‘debt’— 
‘‘(A) means any past due obligation or al-
leged obligation of a consumer, non-profit orga-
nization, or small business to pay money— 
‘‘(i) arising out of a transaction in 
which the money, property, insurance, or 
services which are the subject of the trans-
action are primarily for personal, family, 
business, non-profit, or household pur-
poses, whether or not such obligation has 
been reduced to judgment; or 
‘‘(ii) owed to a local, State, or Federal 
government; and 
‘‘(B) does not include federally related 
mortgages (as defined under section 3 of the 
Real Estate Settlement Procedures Act of 
1974) unless a deficiency judgment has been 
made with respect to such federally related 
mortgage. 
‘‘(5) DEBT COLLECTOR.—The term ‘debt col-
lector’ includes a creditor and any person or entity 
that engages in the collection of debt (including the 
Federal Government or a State government) whether 
or not the debt is allegedly owed to or assigned to 
that person or entity. 
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‘‘(6) DEPOSITORY INSTITUTION.—The term ‘de-
pository institution’— 
‘‘(A) has the meaning given that term 
under section 3 of the Federal Deposit Insur-
ance Act; and 
‘‘(B) means a Federal or State credit 
union (as such terms are defined, respectively, 
under section 101 of the Federal Credit Union 
Act.) 
‘‘(7) NON-PROFIT
ORGANIZATION.—The term 
‘non-profit organization’ means an organization de-
scribed in section 501(c)(3) of the Internal Revenue 
Code of 1986 and exempt from taxation under sub-
section (a) of such section. 
‘‘(8) SMALL BUSINESS.—The term ‘small busi-
ness’ has the meaning given the term ‘small business 
concern’ under section 3 of the Small Business Act 
(15 U.S.C. 632). 
‘‘(b) PROHIBITIONS.—Notwithstanding any other 
provision of law, during COVID-19 emergency period and 
the 120-day period immediately following, a debt collector 
is prohibited from— 
‘‘(1) capitalizing or adding extra interest or fees 
triggered by the non-payment of an obligation by a 
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consumer, small business, or non-profit organization 
to the balance of an account; 
‘‘(2) suing or threatening to sue a consumer, 
small business, or non-profit for a past-due debt; 
‘‘(3) continuing litigation initiated before the 
date of enactment of this section to collect a debt 
from a consumer, small business, or non-profit orga-
nization; 
‘‘(4) enforcing a security interest, including 
through repossession or foreclosure, against a con-
sumer, small business, or non-profit organization; 
‘‘(5) reporting a past-due debt of a consumer, 
small business, or non-profit organization to a con-
sumer reporting agency; 
‘‘(6) taking or threatening to take any action to 
enforce collection, or any adverse action against a 
consumer, small business, or non-profit organization 
for non-payment or for non-appearance at any hear-
ings related to a debt; 
‘‘(7) except with respect to enforcing an order 
for child support or spousal support, initiating or 
continuing any action to cause or to seek to cause 
the collection of a debt from wages, Federal benefits, 
or other amounts due to a consumer, small business, 
or non-profit organization, by way of garnishment, 
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deduction, offset, or other seizure, or to cause or 
seek to cause the collection of a debt by seizing 
funds from a bank account or any other assets held 
by such consumer, small business, or non-profit or-
ganization; 
‘‘(8) in the case of action or collection described 
under paragraph (7) that was initiated prior to the 
beginning of the date of such disaster or emergency, 
failing to suspend the action or collection until 120 
days after the end of the COVID-19 emergency pe-
riod; 
‘‘(9) upon the termination of the incident period 
for such disaster or emergency, failing to extend the 
time period to pay an obligation by one payment pe-
riod for each payment that a consumer, small busi-
ness, or non-profit organization missed during the 
incident period, with the payments due in the same 
amounts and at the same intervals as the pre-exist-
ing payment schedule of the consumer, small busi-
ness, or non-profit organization (as applicable) or, if 
the debt has no payment periods, allow the con-
sumer, small business, or non-profit a reasonable 
time in which to repay the debt in affordable pay-
ments; 
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‘‘(10) disconnecting a consumer, small business, 
or non-profit organization from a utility prepaid or 
post-paid electricity, natural gas, telecommuni-
cations, broadband, water, or sewer service; or 
‘‘(11) exercising a right to set off provision con-
tained in any consumer, small business, or non-prof-
it organization account agreement with a depository 
institution. 
‘‘(c) VIOLATION.—Any person who violates a provi-
sion of this section shall— 
‘‘(1) be treated as a debt collector for purposes 
of section 813; and 
‘‘(2) be liable to the consumer, small business, 
or non-profit organization an amount equal to 10 
times the damages allowed under section 813 for 
each such violation.’’. 
(2) TABLE OF CONTENTS AMENDMENT.—The 
table of contents at the beginning of the Fair Debt 
Collection Practices Act (15 U.S.C. 1692 et seq.) is 
amended by inserting after the item relating to sec-
tion 812 the following new item: 
‘‘812A. Temporary debt collection moratorium during the COVID-19 emergency 
period.’’. 
(b) CONFESSIONS OF JUDGMENT PROHIBITION.— 
(1) IN GENERAL.—Chapter 2 of the Truth in 
Lending Act (15 U.S.C. 1631 et seq.) is amended— 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(A) by adding at the end the following: 
‘‘§ 140B. Confessions of judgment prohibition 
‘‘(a) IN GENERAL.—During a period described under 
section 812A(b) of the Fair Debt Collection Practices Act, 
no person may directly or indirectly take or receive from 
another person or seek to enforce an obligation that con-
stitutes or contains a cognovit or confession of judgment 
(for purposes other than executory process in the State 
of Louisiana), warrant of attorney, or other waiver of the 
right to notice and the opportunity to be heard in the 
event of suit or process thereon. 
‘‘(b) EXEMPTION.—The exemption in section 104(1) 
shall not apply to this section. 
‘‘(c) DEBT DEFINED.—In this section, the term 
‘debt’ means any obligation of a person to pay to another 
person money— 
‘‘(1) regardless of whether the obligation is ab-
solute or contingent, if the understanding between 
the parties is that any part of the money shall be 
or may be returned; 
‘‘(2) that includes the right of the person pro-
viding the money to an equitable remedy for breach 
of performance if the breach gives rise to a right to 
payment; and 
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‘‘(3) regardless of whether the obligation or 
right to an equitable remedy described in paragraph 
(2) has been reduced to judgment or is fixed, contin-
gent, matured, unmatured, disputed, undisputed, se-
cured, or unsecured.’’; and 
(B) in the table of contents for such chap-
ter, by adding at the end the following: 
‘‘140B. Confessions of judgment prohibition.’’. 
(2) 
CONFORMING
AMENDMENT.—Section 
130(a) of the Truth in Lending Act (15 U.S.C. 
1640(a)) is amended by adding at the end the fol-
lowing: ‘‘For purposes of this section, the term 
‘creditor’ refers to any person charged with compli-
ance.’’. 
SEC. 112. DISASTER PROTECTION FOR WORKERS’ CREDIT. 
(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: 
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‘‘§ 605C. Reporting of information during major disas-
ters 
‘‘(a) DEFINITIONS.—In this section: 
‘‘(1) COVID–19 EMERGENCY
PERIOD.—The 
term ‘COVID–19 emergency period’ means the pe-
riod beginning on the date of enactment of this sec-
tion and ending on the later of— 
‘‘(A) 120 days after the date of enactment 
of this section; or 
‘‘(B) 120 days after the date of termi-
nation by the Federal Emergency Management 
Administration of the emergency declared 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.) 
relating to the Coronavirus Disease 2019 
(COVID-19) pandemic. 
‘‘(2) COVERED MAJOR DISASTER PERIOD.—The 
term ‘covered major disaster period’ means— 
‘‘(A) the period beginning on the date on 
which a major disaster is declared by the Presi-
dent under 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), and ending on the date that is 
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120 days after the end of the incident period 
designated in such declaration; or 
‘‘(B) the period ending 120 days after the 
date of termination by the Federal Emergency 
Management Administration of the emergency 
declared on March 13, 2020, by the President 
under 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. 
‘‘(3) MAJOR DISASTER.—The term ‘major dis-
aster’ means a major disaster declared by the Presi-
dent under section 401 of the Robert T. Stafford 
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). 
‘‘(b) MORATORIUM ON FURNISHING ADVERSE IN-
FORMATION DURING COVID–19 EMERGENCY PERIOD.— 
No person may furnish any adverse item of information 
(except information related to a felony criminal conviction) 
relating to a consumer that was the result of any action 
or inaction that occurred during the COVID–19 emer-
gency period. 
‘‘(c) MORATORIUM ON FURNISHING ADVERSE INFOR-
MATION DURING COVERED MAJOR DISASTER PERIOD.— 
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No person may furnish any adverse item of information 
(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 major disaster 
period if the consumer is a resident of the affected area 
covered by a declaration made by the President under sec-
tion 401 of the Robert T. Stafford 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). 
‘‘(d) 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) reported relating to a consumer that was the 
result of any action or inaction that occurred during the 
COVID–19 emergency period or a covered major disaster 
period, and as applicable under subsection (f)(3), for 270 
days after the expiration of the applicable period. 
‘‘(e) SUMMARY OF RIGHTS.—Not later than 60 days 
after the date of enactment of this subsection, the Bureau 
shall update the model summary of rights under section 
609(c)(1) to include a description of the right of a con-
sumer to— 
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‘‘(1) request the deletion of adverse items of in-
formation under subsection (f); and 
‘‘(2) request a consumer report or score, with-
out charge to the consumer, under subsection (g). 
‘‘(f) 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 Bureau shall create a website for 
consumers to report, under penalty of perjury, 
economic 
hardship 
as 
a 
result 
of 
the 
coronavirus disease (COVID–19) outbreak or a 
major disaster (if the consumer is a resident of 
the affected area covered by such major dis-
aster) for the purpose of extending credit report 
protection for an additional 270 days after the 
end of the COVID–19 emergency period or cov-
ered major disaster period, as applicable. 
‘‘(B) 
DOCUMENTATION.—The 
Bureau 
shall— 
‘‘(i) not require any documentation 
from a consumer to substantiate the eco-
nomic hardship; and 
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‘‘(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 the COVID–19 emergency pe-
riod or a covered major disaster period, as ap-
plicable, and for 60 days thereafter. 
‘‘(2) DATABASE.—The Bureau shall establish 
and maintain a secure database that— 
‘‘(A) is accessible to each consumer report-
ing agency described in section 603(p) and na-
tionwide 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 the COVID–19 
emergency period or a covered major disaster 
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 
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AND NATIONWIDE SPECIALTY CONSUMER REPORT-
ING AGENCIES.— 
‘‘(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 the COVID–19 
emergency period or a covered major disaster 
period up to 270 days following the end of the 
such 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.— 
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‘‘(A) IN GENERAL.—A consumer who has 
filed a report of economic hardship with the 
Bureau may submit a request, without charge 
to the consumer, to a consumer reporting agen-
cy to delete from the consumer’s file an adverse 
item of information (except information related 
to a felony criminal conviction) that was a re-
sult of an action or inaction that occurred dur-
ing the COVID–19 emergency period or a cov-
ered major disaster period up to 270 days fol-
lowing the end of the such period. 
‘‘(B) TIMING.—A consumer may submit a 
request under subparagraph (A), not later than 
270-day period described in that subparagraph. 
‘‘(C) REMOVAL AND NOTIFICATION.—Upon 
receiving a request under this paragraph to de-
lete an adverse item of information, a consumer 
reporting 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 
‘‘(ii) notify the consumer and the fur-
nisher of the adverse item of information 
of the deletion. 
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‘‘(g) FREE CREDIT REPORT AND SCORES.— 
‘‘(1) IN
GENERAL.—During the COVID–19 
emergency period or a covered major disaster period 
and ending 12 months after the expiration of the 
COVID–19 emergency period or covered major dis-
aster period, as applicable, each consumer reporting 
agency as described under 603(p) and nationwide 
specialty consumer reporting 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 num-
ber of requests. 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 con-
sumer 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 the consumer. 
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‘‘(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 re-
quest 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 resides in an area covered by the 
major disaster) as a condition of receiving the file 
disclosure or score. 
‘‘(h) POSTING OF RIGHTS.—Not later than 30 days 
after the date of enactment of this section, each consumer 
reporting agency shall prominently post and maintain a 
direct link on the homepage of the public website of the 
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PAMTMANN on DSKBC07HB2PROD with BILLS
100 
consumer reporting agency information relating to the 
right of consumers to— 
‘‘(1) request the deletion of adverse items of in-
formation (except information related to a felony 
criminal conviction) under subsection (f); and 
‘‘(2) request consumer file disclosures and 
scores, without charge to the consumer, under sub-
section (g). 
‘‘(i) BAN ON REPORTING MEDICAL DEBT INFORMA-
TION RELATED TO COVID–19 OR A MAJOR DISASTER.— 
‘‘(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 
the COVID–19 emergency period or covered major 
disaster 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– 
19 or a major disaster (whether or not the expenses 
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101 
were incurred during the COVID–19 emergency pe-
riod or covered major disaster period). 
‘‘(j) 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.’’. 
(c) LIMITATIONS ON NEW CREDIT SCORING MODELS 
DURING THE COVID–19 EMERGENCY AND MAJOR DIS-
ASTERS.—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 dur-
ing 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 
the COVID–19 emergency period or a covered major dis-
aster period (as such terms are defined under section 
605C), create or implement a new credit scoring model 
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102 
(including a revision to an existing scoring model) if the 
new credit scoring model would identify a significant per-
centage of consumers 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 major disasters.’’. 
SEC. 113. STUDENT LOANS. 
(a) PAYMENTS FOR FEDERAL STUDENT LOAN BOR-
ROWERS AS A RESULT OF A NATIONAL EMERGENCY.— 
(1) IN GENERAL.—Part G of title IV of the 
Higher Education Act of 1965 (20 U.S.C. 1088 et 
seq.) is amended by inserting after section 493D the 
following: 
‘‘SEC. 493E. PAYMENTS FOR STUDENT LOAN BORROWERS 
DURING 
THE 
COVID-19 
NATIONAL 
EMER-
GENCY. 
‘‘(a) DEFINITIONS.—In this section: 
‘‘(1) CORONAVIRUS.—The term ‘coronavirus’ 
has the meaning given the term in section 506 of the 
Coronavirus Preparedness and Response Supple-
mental Appropriations Act, 2020 (Public Law 116– 
123). 
‘‘(2) INCOME-DRIVEN REPAYMENT.—The term 
‘income-driven repayment’ means— 
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103 
‘‘(A) income-based repayment authorized 
under section 493C for loans made, insured, or 
guaranteed under part B or part D; or 
‘‘(B) income contingent repayment author-
ized under section 455(e) for loans made under 
part D. 
‘‘(3) INVOLUNTARY
COLLECTION.—The term 
‘involuntary collection’ means— 
‘‘(A) a wage garnishment authorized under 
section 488A of this Act or section 3720D of 
title 31, United States Code; 
‘‘(B) a reduction of tax refund by amount 
of debt authorized under section 3720A of title 
31, United States Code; 
‘‘(C) a reduction of any other Federal ben-
efit payment by administrative offset authorized 
under section 3716 of title 31, United States 
Code (including a benefit payment due to an in-
dividual under the Social Security Act or any 
other 
provision 
described 
in 
subsection 
(c)(3)(A)(i) of such section); and 
‘‘(D) any other involuntary collection activ-
ity, including any collection activity through 
which a borrower is compelled to make pay-
ments on a private student loan. 
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104 
‘‘(4) COVID-19
EMERGENCY
PERIOD.—For 
purposes of this Act, the term ‘COVID-19 emer-
gency 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 
Management Administration 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. 
‘‘(b) COVID-19 NATIONAL EMERGENCY STUDENT 
LOAN REPAYMENT ASSISTANCE.— 
‘‘(1) AUTHORITY.—Effective on the date of the 
enactment of this section, during the COVID-19 
emergency period and the 6-month period imme-
diately following, the Secretary of Education shall 
for each borrower of a loan made, insured, or guar-
anteed under part B, D, or E, pay the total amount 
due for such month on the loan, based on the pay-
ment plan selected by the borrower or the borrower’s 
loan status. 
‘‘(2) NO CAPITALIZATION OF INTEREST.—With 
respect to any loan in repayment during the 
COVID-19 national emergency period and the 6- 
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105 
month period immediately following, interest due on 
loans made, insured, or guaranteed under part B, D, 
or E during such period shall not be capitalized at 
any time during the COVID-19 national emergency 
period and the 6-month period immediately fol-
lowing. 
‘‘(3) APPLICABILITY OF PAYMENTS.—Any pay-
ment made by the Secretary of Education under this 
section shall be considered by the Secretary of Edu-
cation, or by a lender with respect to a loan made, 
insured, or guaranteed under part B— 
‘‘(A) as a qualifying payment under the 
public service loan forgiveness program under 
section 455(m), if the borrower would otherwise 
qualify under such section; 
‘‘(B) in the case of a borrower enrolled in 
an income-driven repayment plan, as a quali-
fying payment for the purpose of calculating eli-
gibility for loan forgiveness for the borrower in 
accordance with section 493C(b)(7) or section 
455(d)(1)(D), as the case may be; and 
‘‘(C) in the case of a borrower in default, 
as an on-time monthly payment for purposes of 
loan rehabilitation pursuant to section 428F(a). 
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106 
‘‘(4) REPORTING
TO
CONSUMER
REPORTING 
AGENCIES.—During the period in which the Sec-
retary of Education is making payments on a loan 
under paragraph (1), the Secretary shall ensure 
that, for the purpose of reporting information about 
the loan to a consumer reporting agency, any pay-
ment made by the Secretary is treated as if it were 
a regularly scheduled payment made by a borrower. 
‘‘(5) NOTICE OF PAYMENTS AND PROGRAM.— 
Not later than 15 days following the date of enact-
ment of this section, and monthly thereafter during 
the COVID-19 national emergency period and the 6- 
month period immediately following, the Secretary of 
Education shall provide a notice to all borrowers of 
loans made, insured, or guaranteed under part B, D, 
or E— 
‘‘(A) informing borrowers of the actions 
taken under this section; 
‘‘(B) providing borrowers with an easily 
accessible method to opt out of the benefits pro-
vided under this section; and 
‘‘(C) notifying the borrower that the pro-
gram under this section is a temporary program 
and will end 6 months after the COVID-19 na-
tional emergency period ends. 
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107 
‘‘(6) SUSPENSION
OF
INVOLUNTARY
COLLEC-
TION.—During the COVID-19 national emergency 
period and the 6-month period immediately fol-
lowing, the Secretary of Education, or other holder 
of a loan made, insured, or guaranteed under part 
B, D, or E, shall immediately take action to halt all 
involuntary collection related to the loan. 
‘‘(7) MANDATORY FORBEARANCE.—During the 
period in which the Secretary of Education is mak-
ing payments on a loan under paragraph (1), the 
Secretary, or a lender or guaranty agency for a loan 
made under part B, shall grant the borrower for-
bearance as follows: 
‘‘(A) A temporary cessation of all pay-
ments on the loan other than the payments of 
interest and principal on the loan that are made 
under paragraph (1). 
‘‘(B) For borrowers who are delinquent 
but who are not yet in default before the date 
on which the Secretary begins making payments 
under paragraph (1), the retroactive application 
of forbearance to address any delinquency.’’. 
(2) FFEL AMENDMENT.—Section 428(c)(8) of 
the Higher Education Act of 1965 (20 U.S.C. 
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PAMTMANN on DSKBC07HB2PROD with BILLS
108 
1078(c)(8)) is amended by striking ‘‘and for which’’ 
and all that follows through ‘‘this subsection’’. 
(b) PAYMENTS
FOR PRIVATE EDUCATION LOAN 
BORROWERS AS A RESULT OF THE COVID-19 NATIONAL 
EMERGENCY.—Section 140 of the Truth in Lending Act 
(15 U.S.C. 1650) is amended by adding at the end the 
following new subsection: 
‘‘(h) COVID-19 NATIONAL EMERGENCY PRIVATE 
EDUCATION LOAN REPAYMENT ASSISTANCE.— 
‘‘(1) AUTHORITY.—Effective on the date of the 
enactment of this section, for the duration of the 
COVID-19 emergency period and the 6-month pe-
riod immediately following, the Secretary of the 
Treasury shall, for each borrower of a private edu-
cation loan, pay the total amount due for such 
month on the loan, based on the payment plan se-
lected by the borrower or the borrower’s loan status. 
‘‘(2) NO CAPITALIZATION OF INTEREST.—With 
respect to any loan in repayment during the 
COVID-19 national emergency period and the 6- 
month period immediately following, interest due on 
a private education loan during such period shall not 
be capitalized at any time during the COVID-19 na-
tional emergency period and the 6-month period im-
mediately following. 
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‘‘(3) REPORTING
TO
CONSUMER
REPORTING 
AGENCIES.—During the period in which the Sec-
retary of the Treasury is making payments on a 
loan under paragraph (1), the Secretary shall ensure 
that, for the purpose of reporting information about 
the loan to a consumer reporting agency, any pay-
ment made by the Secretary is treated as if it were 
a regularly scheduled payment made by a borrower. 
‘‘(4) NOTICE OF PAYMENTS AND PROGRAM.— 
Not later than 15 days following the date of enact-
ment of this subsection, and monthly thereafter dur-
ing the COVID-19 national emergency period and 
the 6-month period immediately following, the Sec-
retary of the Treasury shall provide a notice to all 
borrowers of private education loans— 
‘‘(A) informing borrowers of the actions 
taken under this subsection; 
‘‘(B) providing borrowers with an easily 
accessible method to opt out of the benefits pro-
vided under this subsection; and 
‘‘(C) notifying the borrower that the pro-
gram under this subsection is a temporary pro-
gram and will end 6 months after the COVID- 
19 national emergency period ends. 
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PAMTMANN on DSKBC07HB2PROD with BILLS
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‘‘(5) SUSPENSION
OF
INVOLUNTARY
COLLEC-
TION.—During the COVID-19 national emergency 
period and the 6-month period immediately fol-
lowing, the holder of a private education loan shall 
immediately take action to halt all involuntary col-
lection related to the loan. 
‘‘(6) MANDATORY FORBEARANCE.—During the 
period in which the Secretary of the Treasury is 
making payments on a loan under paragraph (1), 
the servicer of such loan shall grant the borrower 
forbearance as follows: 
‘‘(A) A temporary cessation of all pay-
ments on the loan other than the payments of 
interest and principal on the loan that are made 
under paragraph (1). 
‘‘(B) For borrowers who are delinquent 
but who are not yet in default before the date 
on which the Secretary begins making payments 
under paragraph (1), the retroactive application 
of forbearance to address any delinquency. 
‘‘(7) DATA
TO
IMPLEMENT.—Holders and 
servicers of private education loans shall report, to 
the satisfaction of the Secretary of the Treasury, the 
information necessary to calculate the amount to be 
paid under this section. 
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111 
‘‘(8) 
COVID-19
EMERGENCY
PERIOD
DE-
FINED.—In this subsection, 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 Management Administration of the 
emergency declared on March 13, 2020, by the 
President under the Robert T. Stafford Disaster Re-
lief and Emergency Assistance Act (42 U.S.C. 4121 
et seq.) relating to the Coronavirus Disease 2019 
(COVID-19) pandemic.’’. 
(c) MINIMUM RELIEF FOR FEDERAL AND PRIVATE 
STUDENT LOAN BORROWERS
AS
A RESULT
OF
THE 
COVID-19 NATIONAL EMERGENCY.— 
(1) MINIMUM STUDENT LOAN RELIEF AS A RE-
SULT OF THE COVID-19 NATIONAL EMERGENCY.— 
Not later than 270 days after the last day of the 
COVID-19 emergency period, the Secretaries con-
cerned shall jointly carry out a program under which 
a qualified borrower, with respect to the covered 
loans and private education of loans of such quali-
fied borrower, shall receive in accordance with para-
graph (3) an amount equal to the lesser of the fol-
lowing: 
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PAMTMANN on DSKBC07HB2PROD with BILLS
112 
(A) The total amount of each covered loan 
and each private education loan of the bor-
rower; or 
(B) $10,000. 
(2) NOTIFICATION OF BORROWERS.—Not later 
than 270 days after the last day of the COVID-19 
emergency period, the Secretaries concerned shall 
notify each qualified borrower of— 
(A) the requirements to provide loan relief 
to such borrower under this section; and 
(B) the opportunity for such borrower to 
make an election under paragraph (3)(A) with 
respect to the application of such loan relief to 
the covered loans and private education loans of 
such borrower. 
(3) DISTRIBUTION OF FUNDING.— 
(A) ELECTION BY BORROWER.—Not later 
than 45 days after a notice is sent under para-
graph (2), a qualified borrower may elect to 
apply the amount determined with respect to 
such borrower under paragraph (1) to— 
(i) any covered loan of the borrower; 
(ii) any private education loan of the 
borrower; and 
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PAMTMANN on DSKBC07HB2PROD with BILLS
113 
(iii) any combination of the loans de-
scribed in clauses (i) and (ii). 
(B) AUTOMATIC PAYMENT.— 
(i) IN
GENERAL.—In the case of a 
qualified borrower who does not make an 
election under subparagraph (A) before the 
date described in such paragraph, the Sec-
retaries concerned shall apply the amount 
determined with respect to such borrower 
under paragraph (1) in order of the cov-
ered loan or private education loan of the 
qualified borrower with the highest interest 
rate. 
(ii) EQUAL
INTEREST
RATES.—In 
case of two or more covered loans or pri-
vate education loans described in clause (i) 
with equal interest rates, the Secretaries 
concerned shall apply the amount deter-
mined with respect to such borrower under 
paragraph (1) first to the loan with the 
highest principal. 
(4) DATA TO IMPLEMENT.— 
(A) SECRETARY OF EDUCATION.—Contrac-
tors of the Secretary of Education and lenders 
and guaranty agencies holding loans made, in-
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PAMTMANN on DSKBC07HB2PROD with BILLS
114 
sured, or guaranteed under part B shall report, 
to the satisfaction of the Secretary of Edu-
cation, the information necessary to calculate 
the amount to be applied under paragraph (1). 
(B) SECRETARY OF TREASURY.—Holders 
and servicers of private education loans shall 
report, to the satisfaction of the Secretary of 
the Treasury, the information necessary to cal-
culate the amount to be applied under para-
graph (1). 
(5) MEMORANDUM OF UNDERSTANDING.—The 
Secretaries concerned shall enter into a memo-
randum of understanding to carry out this sub-
section. 
(6) DEFINITIONS.—In this subsection: 
(A) COVERED LOAN.—The term ‘‘covered 
loan’’ means— 
(i) a loan made, insured, or guaran-
teed under part B of title IV of the Higher 
Education Act of 1965 (20 U.S.C. 1071 et 
seq.); 
(ii) a loan made under part D of title 
IV of the Higher Education Act of 1965 
(20 U.S.C. 1087a et seq.); and 
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PAMTMANN on DSKBC07HB2PROD with BILLS
115 
(iii) a Federal Perkins Loan made 
pursuant to part E of title IV of the High-
er Education Act of 1965 (20 U.S.C. 
1087aa et seq.). 
(B) COVID-19 EMERGENCY PERIOD.—The 
term ‘‘COVID-19 emergency period’’ means the 
period that begins upon the date of the enact-
ment of this Act and ends upon the date of the 
termination by the Federal Emergency Manage-
ment Administration of the emergency declared 
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.) 
relating to the Coronavirus Disease 2019 
(COVID-19) pandemic. 
(C) PRIVATE
EDUCATION
LOAN.—The 
term ‘‘private education loan’’ has the meaning 
given the term in section 140 of the Truth in 
Lending Act (15 U.S.C. 1650). 
(D) QUALIFIED
BORROWER.—The term 
‘‘qualified borrower’’ means a borrower of a 
covered loan or a private education loan. 
(E) SECRETARIES CONCERNED.—The term 
‘‘Secretaries concerned’’ means— 
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PAMTMANN on DSKBC07HB2PROD with BILLS
116 
(i) the Secretary of Education, with 
respect to covered loans and borrowers of 
such covered loans; and 
(ii) the Secretary of the Treasury, 
with respect to private education loans and 
borrowers of such private education loans. 
(d) INCOME SHARE AGREEMENTS.— 
(1) IN GENERAL.—An individual who entered 
into an income share agreement to pay for education 
expenses of the individual shall not be required to 
make payments under such income share agreement 
for the duration of the COVID-19 emergency period 
and the 6-month period immediately following. 
(2) COVID-19
EMERGENCY
PERIOD.—In this 
subsection, 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 Management 
Administration of the emergency declared on March 
13, 2020, by the President under 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. 
(e) EXCLUSION FROM GROSS INCOME.— 
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PAMTMANN on DSKBC07HB2PROD with BILLS
117 
(1) IN GENERAL.—Part III of subchapter B of 
chapter 1 of the Internal Revenue Code of 1986 is 
amended by inserting after section 139H the fol-
lowing new section: 
‘‘SEC. 139I. STUDENT LOAN PAYMENTS RESULTING FROM 
THE COVID-19 NATIONAL EMERGENCY. 
‘‘Gross income shall not include any payment made 
on behalf of the taxpayer under section 493E(b)(1) of the 
Higher Education Act of 1965, section 140(h) of the 
Truth in Lending Act, or section 114(c) of the Financial 
Protections and Assistance for America’s Consumers, 
States, Businesses, and Vulnerable Populations.’’. 
(2) CLERICAL AMENDMENT.—The table of sec-
tions for part III of subchapter B of chapter 1 of 
the Internal Revenue Code of 1986 is amended by 
inserting after the item relating to section 139H the 
following new item: 
‘‘Sec. 139I. Student loan payments resulting from the COVID-19 national 
emergency.’’. 
(3) EFFECTIVE DATE.—The amendments made 
by this subsection shall apply to taxable years begin-
ning after December 31, 2019. 
SEC. 114. WAIVER OF IN-PERSON APPRAISAL REQUIRE-
MENTS. 
(a) FINDING.—The Congress finds that as the coun-
try continues to grapple with the impact of the spread of 
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PAMTMANN on DSKBC07HB2PROD with BILLS
118 
COVID–19, several adjustments are needed to ensure that 
mortgage processing can continue to function without sig-
nificant delays, despite requirements that would otherwise 
require in-person interactions. 
(b) WAIVER.— 
(1) IN
GENERAL.—Until the end of the 
COVID–19 emergency, any appraisal that is con-
ducted for a loan with respect to which applicable 
law would otherwise require the performance of an 
interior inspection may be performed without an in-
terior inspection, if— 
(A) an exterior inspection is performed in 
conjunction with other methods to maximize 
credibility, including verifiable contemporaneous 
video or photographic documentation by the 
borrower and borrower observations; and 
(B) the applicable lender, guarantor, regu-
lating agency, or insurer may order additional 
services to include an interior inspection at a 
later date. 
(2) STIPULATION.—An appraiser conducting an 
appraisal without an interior inspection pursuant to 
this section shall stipulate an extraordinary assump-
tion that the property’s interior quality, condition, 
and physical characteristics are as described and 
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PAMTMANN on DSKBC07HB2PROD with BILLS
119 
consistent with the exterior view, and shall employ 
all available methods to maximize accuracy while 
maintaining safety. 
(c) RULEMAKING.—Not later than the end of the 1- 
week period beginning on the date of enactment of this 
Act, the Federal Housing Commissioner of the Federal 
Housing Agency and the Director of the Federal Housing 
Finance Agency shall issue such rules or guidance as may 
be necessary to ensure that such agencies, the Federal 
Home Loan Mortgage Corporation, the Federal National 
Mortgage Association, and the Federal home loan banks 
make any adjustments to mortgage processing require-
ments that may be necessary to provide flexibility to avoid 
in-person interactions while preserving the goals of the 
programs and consumer protection. 
(d) COVID–19 EMERGENCY DEFINED.—In this sec-
tion, the term ‘‘COVID–19 emergency’’ means the period 
that begins upon the date of the enactment of this Act 
and ends on the date of the termination by the Federal 
Emergency Management Agency of the emergency de-
clared 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. 
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120 
SEC. 115. SUPPLEMENTAL FUNDING FOR COMMUNITY DE-
VELOPMENT BLOCK GRANTS. 
(a) FUNDING AND ALLOCATIONS.— 
(1) AUTHORIZATION
OF
APPROPRIATIONS.— 
There 
is 
authorized 
to 
be 
appropriated 
$12,000,000,000 for assistance in accordance with 
this section under the community development block 
grant program under title I of the Housing and 
Community Development Act of 1974 (42 U.S.C. 
5301 et seq.). 
(2) INITIAL
ALLOCATION.—$6,000,000,000 of 
the amount made available pursuant to paragraph 
(1) shall be distributed pursuant to section 106 of 
such Act (42 U.S.C. 5306) to grantees and such al-
locations shall be made within 30 days after the date 
of the enactment of this Act. 
(3) SUBSEQUENT ALLOCATION.— 
(A) IN
GENERAL.—The $6,000,000,000 
made available pursuant to paragraph (1) that 
remains after allocation pursuant to paragraph 
(2) shall be allocated, not later than 45 days 
after the date of the enactment of this Act, di-
rectly to States to prevent, prepare for, and re-
spond to coronavirus within the State, including 
activities within entitlement and nonentitlement 
communities, based on public health needs, risk 
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PAMTMANN on DSKBC07HB2PROD with BILLS
121 
of transmission of coronavirus, number of 
coronavirus cases compared to the national av-
erage, and economic and housing market dis-
ruptions, and other factors, as determined by 
the Secretary, using best available data. 
(B) 
TECHNICAL
ASSISTANCE.—Of 
the 
amount referred to in subparagraph (A), 
$10,000,000 shall be made available for capac-
ity building and technical assistance to support 
the use of such amounts to expedite or facilitate 
infectious disease response. 
(4) DIRECT
DISTRIBUTION.—Of the amount 
made 
available 
pursuant 
to 
paragraph 
(1), 
$3,000,000,000 shall be distributed directly to 
States and units of general local government, at the 
discretion of the Secretary of Housing and Urban 
Development (in this section referred to as the ‘‘Sec-
retary’’), according to a formula based on factors to 
be determined by the Secretary, prioritizing risk of 
transmission of coronavirus, number of coronavirus 
cases compared to the national average, and eco-
nomic and housing market disruptions resulting 
from coronavirus. 
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PAMTMANN on DSKBC07HB2PROD with BILLS
122 
(5) ROLLING ALLOCATIONS.—Allocations under 
this subsection may be made on a rolling basis as 
additional needs develop and data becomes available. 
(6) BEST
AVAILABLE
DATA.—The Secretary 
shall make all allocations under this subsection 
based on the best available data at the time of allo-
cation. 
(b) ELIGIBLE ACTIVITIES.—Amounts made available 
pursuant to subsection (a) may be used only for— 
(1) eligible activities described in 105(a) of the 
Housing and Community Development Act of 1974 
(42 U.S.C. 5305(a)) relating to preventing, pre-
paring for, or responding to the public health emer-
gency 
relating 
to 
Coronavirus 
Disease 
2019 
(COVID-19); and 
(2) reimbursement of costs for such eligible ac-
tivities relating to preventing, preparing for, or re-
sponding to Coronavirus Disease 2019 (COVID-19) 
that were accrued before the date of the enactment 
of this Act. 
(c) INAPPLICABILITY OF PUBLIC SERVICES CAP.— 
The limitation under paragraph (8) of section 105(a) of 
the Housing and Community Development Act of 1974 
(42 U.S.C. 5305(a)(8)) on the amount that may be used 
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PAMTMANN on DSKBC07HB2PROD with BILLS
123 
for activities under such paragraph shall not apply with 
respect to— 
(1) amounts made available pursuant to sub-
section (a); and 
(2) amounts made available in preceding appro-
priation Acts for fiscal years 2019 and 2020 for car-
rying out title I of the Housing and Community De-
velopment Act of 1974, to the extent such amounts 
are used for activities described in subsection (b) of 
this section. 
(d) WAIVERS.— 
(1) IN GENERAL.—The Secretary may waive, or 
specify alternative requirements for, any provision of 
any statute or regulation that the Secretary admin-
isters in connection with the use of amounts made 
available pursuant to subsection (a)(1) and for fiscal 
years 2019 and 2020 (except for requirements re-
lated to fair housing, nondiscrimination, labor stand-
ards, and the environment), if the Secretary finds 
that good cause exists for the waiver or alternative 
requirement and such waiver or alternative require-
ment would not be inconsistent with the overall pur-
pose of title I of the Housing and Community Devel-
opment Act of 1974, including for the purposes of 
addressing the impact of coronavirus. 
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PAMTMANN on DSKBC07HB2PROD with BILLS
124 
(2) NOTICE.—The Secretary shall notify the 
public through the Federal Register or other appro-
priate means 5 days before the effective date of any 
such waiver or alternative requirement in order for 
such waiver or alternative requirement to take effect. 
Such public notice may be provided on the internet 
at the appropriate Government website or through 
other electronic media, as determined by the Sec-
retary. 
(e) STATEMENTS OF ACTIVITIES; COMPREHENSIVE 
HOUSING AFFORDABILITY STRATEGIES.— 
(1) INAPPLICABILITY OF REQUIREMENTS.—Sec-
tion 116(b) of such Act (42 U.S.C. 5316(b); relating 
to submission of final statements of activities not 
later than August 16 of a given fiscal year) and any 
implementing regulations shall not apply to final 
statements submitted in accordance with paragraphs 
(2) and (3) of section 104 of such Act (42 U.S.C. 
5304(a)) and comprehensive housing affordability 
strategies submitted in accordance with section 105 
of the Cranston-Gonzalez National Affordable Hous-
ing Act (42 U.S.C. 12705) for fiscal years 2019 and 
2020. 
(2) NEW
REQUIREMENTS.—Final statements 
and comprehensive housing affordability strategies 
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PAMTMANN on DSKBC07HB2PROD with BILLS
125 
shall instead be submitted not later than August 16, 
2021. 
(3) 
AMENDMENTS.—Notwithstanding 
sub-
sections (a)(2), (a)(3), and (c) of section 104 of the 
Housing and Community Development Act of 1974 
(42 U.S.C. 5304) and section 105 of the Cranston- 
Gonzalez National Affordable Housing Act (42 
U.S.C. 12705), a grantee may not be required to 
amend its statement of activities in order to engage 
in activities to prevent, prepare, and respond to 
coronavirus or the economic and housing disruption 
caused by it, but shall make public a report within 
180 days of the end of the crisis which fully ac-
counts for such activities. 
(f) PUBLIC HEARINGS.— 
(1) INAPPLICABILITY OF IN-PERSON HEARING 
REQUIREMENTS.—A grantee may not be required to 
hold in-person public hearings in connection with its 
citizen participation plan, but shall provide citizens 
with notice and a reasonable opportunity to com-
ment of not less than 15 days. 
(2) VIRTUAL PUBLIC HEARINGS.—During the 
period that national or local health authorities rec-
ommend social distancing and limiting public gath-
erings for public health reasons, a grantee may ful-
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PAMTMANN on DSKBC07HB2PROD with BILLS
126 
fill applicable public hearing requirements for all 
grants from funds made available pursuant to sub-
section (a)(1) and under the heading ‘‘Department 
of Housing and Urban Development—Community 
Planning and Development—Community Develop-
ment Fund’’ in appropriation Acts for fiscal years 
2019 and 2020 by carrying out virtual public hear-
ings. Any such virtual hearings shall provide reason-
able notification and access for citizens in accord-
ance with the grantee’s certifications, timely re-
sponses from local officials to all citizen questions 
and issues, and public access to all questions and re-
sponses. 
(g) DUPLICATION
OF BENEFITS.—The Secretary 
shall ensure there are adequate procedures in place to pre-
vent any duplication of benefits as defined by section 312 
of the Robert T. Stafford Disaster Relief and Emergency 
Assistance Act (42 U.S.C. 5155) and act in accordance 
with section 1210 of the Disaster Recovery Reform Act 
of 2018 (division D of Public Law 115–254; 132 Stat. 
3442) and section 312 of the Robert T. Stafford Disaster 
Relief and Emergency Assistance Act (42 U.S.C. 5155). 
SEC. 116. COVID-19 EMERGENCY HOUSING RELIEF. 
(a) DEFINITION
OF COVID-19 EMERGENCY PE-
RIOD.—For purposes of this section, the term ‘‘COVID- 
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PAMTMANN on DSKBC07HB2PROD with BILLS
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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 Man-
agement 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) SUSPENSION OF COMMUNITY SERVICE, WORK, 
PRESENCE
IN UNIT, AND MINIMUM RENT REQUIRE-
MENTS AND TIME LIMITS ON ASSISTANCE.— 
(1) SUSPENSION.—Notwithstanding any other 
provision of law, during the COVID-19 emergency 
period, the following provisions of law and require-
ments shall not apply: 
(A) Section 12(c) of the United States 
Housing Act of 1937 (42 U.S.C. 1437j(c); re-
lating to community service). 
(B) Any work requirement or time limita-
tion on assistance established by a public hous-
ing agency participating in the Moving to Work 
demonstration program authorized under sec-
tion 204 of the Departments of Veterans Af-
fairs and Housing and Urban Development and 
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PAMTMANN on DSKBC07HB2PROD with BILLS
128 
Independent Agencies Appropriations Act, 1996 
(Public Law 104–134; 110 Stat. 1321). 
(C) Paragraph (3) of section 3(a) of the 
United States Housing Act of 1937 (42 U.S.C. 
1437a(a)(3); 
relating 
to 
minimum 
rental 
amount). 
(D) Section 982.312 of the regulations of 
the Secretary of Housing and Urban Develop-
ment (24 C.F.R. 982.312; relating to absence 
from unit). 
(2) PROHIBITION.—No penalty may be imposed 
nor any adverse action taken for failure on the part 
of any tenant of public housing or a dwelling unit 
assisted under section 8 of the United States Hous-
ing Act of 1937 (42 U.S.C. 1437f) to comply with 
the laws and requirements specified in paragraph (1) 
during the period specified in paragraph (1). 
(c) HOUSING CHOICE VOUCHERS.— 
(1) SECTION
VOUCHERS.—Notwithstanding 
any other provision of law, the Secretary of Housing 
and Urban Development shall provide that— 
(A) during the COVID-19 emergency pe-
riod, a public housing agency may not termi-
nate the availability to an eligible household of 
a housing choice voucher under section 8(o) of 
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PAMTMANN on DSKBC07HB2PROD with BILLS
129 
the United States Housing Act of 1937 (42 
U.S.C. 1437f(o)) for failure to enter into a 
lease for an assisted dwelling unit; 
(B) in the case of any eligible household on 
whose behalf such a housing choice voucher has 
been made available, if as of the termination of 
the COVID-19 emergency period such avail-
ability has not terminated (including by reason 
of subparagraph (A)) and such voucher has not 
been used to enter into a lease for an assisted 
dwelling unit, the public housing agency making 
such voucher available may not terminate such 
availability until the expiration of the 60-day 
period beginning upon the termination of the 
COVID-19 emergency period; and 
(C) during the COVID-19 emergency pe-
riod, clause (i) of section 8(o)(8)(A) of the 
United States Housing Act of 1937 (42 U.S.C. 
1437f(o)(8)A)(i); relating to initial inspection of 
dwelling units) shall not apply, except that in 
any case in which an inspection of a dwelling 
unit for which a housing assistance payment is 
established is not conducted before an assist-
ance payment is made for such dwelling unit— 
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PAMTMANN on DSKBC07HB2PROD with BILLS
130 
(i) such clause shall be applied by 
substituting ‘‘the expiration of the 90-day 
period beginning on the termination of the 
COVID-19 emergency period (as such term 
is defined in section 117(a) of the Finan-
cial Protections and Assistance for Amer-
ica’s Consumers, States, Businesses, and 
Vulnerable Populations Act)’’ for ‘‘any as-
sistance payment is made’’; and 
(ii) the public housing agency shall in-
form the tenant household and the owner 
of such dwelling unit of the inspection re-
quirement applicable to such dwelling unit 
pursuant to clause (i). 
(2) RURAL
HOUSING
VOUCHERS.—Notwith-
standing any other provision of law, the Secretary of 
Agriculture shall provide that the same restrictions 
and requirements applicable under paragraph (1) to 
voucher assistance under section 8(o) of the United 
States Housing Act of 1937 shall apply with respect 
to voucher assistance under section 542 of the Hous-
ing Act of 1949 (42 U.S.C. 1490r). In applying such 
restrictions and requirements, the Secretary may 
take into consideration and provide for any dif-
ferences between such programs while ensuring that 
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PAMTMANN on DSKBC07HB2PROD with BILLS
131 
the program under such section 542 is carried out 
in accordance with the purposes of such restrictions 
and requirements. 
(d) SUSPENSION OF INCOME REVIEWS.—During the 
COVID-19 emergency period, the Secretary of Housing 
and Urban Development and the Secretary of Agriculture 
shall waive any requirements under law or regulation re-
quiring review of the income of an individual or household 
for purposes of assistance under a housing assistance pro-
gram administered by such Secretary, except— 
(1) in the case of review of income upon the ini-
tial provision of housing assistance; or 
(2) if such review is requested by an individual 
or household due to a loss of income. 
(e) AUTHORITY TO SUSPEND
OR DELAY DEAD-
LINES.—During the COVID-19 emergency period, the 
Secretary of Housing and Urban Development and the 
Secretary of Agriculture may suspend or delay any dead-
line relating to public housing agencies or owners of hous-
ing assisted under a program administered by such Sec-
retary, except any deadline relating to responding to exi-
gent conditions related to health and safety or emergency 
physical conditions. 
(f) SUSPENSION OF ASSISTED HOUSING SCORING 
ACTIVITIES.—The Secretary of Housing and Urban De-
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PAMTMANN on DSKBC07HB2PROD with BILLS
132 
velopment shall suspend scoring under the Section 8 Man-
agement Assessment Program and the Public Housing As-
sessment System during the period beginning upon the 
date of the enactment of this Act and ending upon expira-
tion of the 90-day period that begins upon the termination 
of the COVID-19 emergency period. 
(g) REQUIREMENTS
REGARDING
RESIDUAL
RE-
CEIPTS AND RESERVE FUNDS.— 
(1) SUSPENSION OF REQUIREMENT TO SUBMIT 
RESIDUAL RECEIPTS TO HUD.—During the COVID- 
19 emergency period, any requirements for owners 
of federally assisted multifamily housing to remit re-
sidual receipts to the Secretary of Housing and 
Urban Development shall not apply. 
(2) ELIGIBLE USES OF RESERVE FUNDS.—Dur-
ing the COVID-19 emergency period, any costs of 
an owner of federally assisted multifamily housing 
for items, activities, and services related to respond-
ing to coronavirus or COVID-19 shall be considered 
eligible uses for the reserve fund for replacements 
for such housing. 
SEC. 117. SUPPLEMENTAL FUNDING FOR SERVICE COORDI-
NATORS TO ASSIST ELDERLY HOUSEHOLDS. 
(a) IN GENERAL.—There is authorized to be appro-
priated $300,000,000 for grants under section 676 of the 
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PAMTMANN on DSKBC07HB2PROD with BILLS
133 
Housing and Community Development Act of 1992 (42 
U.S.C. 13632) for costs of providing service coordinators 
for purposes of coordinating services to prevent, prepare 
for, or respond to the public health emergency relating to 
Coronavirus Disease 2019 (COVID-19). 
(b) HIRING.—In the hiring of staff using amounts 
made available pursuant to this section, 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 describing compliance with the preceding 
sentence not later than the expiration of the 120-day pe-
riod that begins upon the termination 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. 
(c) 
ONE-TIME
GRANTS.—Grants 
made 
using 
amounts made available pursuant to subsection (a) shall 
not be renewable. 
(d) ONE-YEAR AVAILABILITY.—Any amounts made 
available pursuant to this section that are allocated for 
a grantee and remaining unexpended upon the expiration 
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PAMTMANN on DSKBC07HB2PROD with BILLS
134 
of the 12-month period beginning upon such allocation 
shall be recaptured by the Secretary. 
SEC. 118. FAIR HOUSING. 
(a) DEFINITION
OF COVID-19 EMERGENCY PE-
RIOD.—For purposes of this section, 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 Man-
agement 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) FHIP; FHAP.— 
(A) 
AUTHORIZATION
OF
APPROPRIA-
TIONS.—To ensure that fair housing organiza-
tions and State and local civil rights agencies 
have sufficient resources to deal with expected 
increases in fair housing complaints, to inves-
tigate housing discrimination, including finan-
cial scams that target protected classes associ-
ated with or resulting from the COVID-19 pan-
demic, and during such pandemic, there is au-
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PAMTMANN on DSKBC07HB2PROD with BILLS
145 
Coronavirus Disease 2019 (COVID–19) pan-
demic; and 
(B) ends on the termination by the Federal 
Emergency Management Agency of such emer-
gency. 
(2) SMALL BUSINESS.—The term ‘‘small busi-
ness’’ means— 
(A) a small business concern (as defined 
under section 3 of the Small Business Act (15 
U.S.C. 632)); 
(B) a family farm; and 
(C) an independent contractor. 
SEC. 203. LOAN AND OBLIGATION PAYMENT RELIEF FOR 
AFFECTED SMALL BUSINESSES AND NON- 
PROFITS. 
(a) IN GENERAL.— 
(1) IN
GENERAL.—During the COVID–19 
emergency, a debt collector may not, with respect to 
a debt of a small business or non-profit (other than 
debt related to a federally related mortgage loan)— 
(A) capitalize unpaid interest; 
(B) apply a higher interest rate triggered 
by the nonpayment of a debt to the debt bal-
ance; 
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PAMTMANN on DSKBC07HB2PROD with BILLS
157 
CLINE
DEFINED’’ and inserting ‘‘2018 
STATE EMPLOYMENT DECLINE DEFINED’’; 
(ii) in clause (i), by striking ‘‘Decem-
ber 
2007’’ 
and 
inserting 
‘‘December 
2017’’; and 
(iii) in clause (ii), by striking ‘‘Decem-
ber 
2008’’ 
and 
inserting 
‘‘December 
2018’’; 
(6) in section 3003(b)(3)— 
(A) in the section heading, by striking 
‘‘2010 ALLOCATION FORMULA’’ and inserting 
striking ‘‘2020 ALLOCATION FORMULA’’; 
(B) by striking ‘‘2009 unemployment num-
ber’’ each place such term appears and insert-
ing ‘‘2019 unemployment number’’; and 
(C) in subparagraph (C)— 
(i) in the subparagraph heading, by 
striking ‘‘2009
UNEMPLOYMENT
NUMBER 
DEFINED’’ and inserting ‘‘2019 UNEMPLOY-
MENT NUMBER DEFINED’’; and 
(ii) by striking ‘‘December 2009’’ and 
inserting ‘‘December 2019’’; 
(7) in section 3005(e), by striking ‘‘to the Sec-
retary a report’’ and inserting ‘‘to the Secretary and 
Congress a report’’; 
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PAMTMANN on DSKBC07HB2PROD with BILLS
158 
(8) in section 3007— 
(A) in subsection (a)(1), by striking ‘‘to 
the Secretary a report’’ and inserting ‘‘to the 
Secretary and Congress a report’’; and 
(B) in subsection (b)— 
(i) by striking ‘‘March 31, 2011’’ and 
inserting ‘‘March 31, 2021’’; and 
(ii) by striking ‘‘to the Secretary’’ and 
inserting ‘‘to the Secretary and Congress’’; 
and 
(9) in section 3009— 
(A) 
in 
subsection 
(b), 
by 
striking 
‘‘$1,500,000,000’’ 
and 
inserting 
‘‘$10,000,000,000’’; and 
(B) in subsection (c), by adding at the end 
the following new sentence: ‘‘At the end of such 
period, any amounts that remain unexpended or 
unobligated shall be transferred to the Commu-
nity Development Financial Institutions Fund 
established under section 104(a) of the Riegle 
Community Development and Regulatory Im-
provement Act of 1994.’’. 
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PAMTMANN on DSKBC07HB2PROD with BILLS
170 
the respective covered regulator on meeting the goals 
established by section 308 of the Financial Institu-
tions Reform, Recovery, and Enforcement Act of 
1989 (12 U.S.C. 1463 note) to preserve the present 
number of covered minority institutions, preserve the 
minority character of minority-owned institutions in 
cases involving mergers or acquisitions, provide tech-
nical assistance, and encourage the creation of new 
covered minority institutions. The scope of the work 
of each such Minority Depository Institutions Advi-
sory Committee shall include an assessment of the 
current condition of covered minority institutions, 
what regulatory changes or other steps the respec-
tive agencies may be able to take to fulfill the re-
quirements of such section 308, and other issues of 
concern to minority depository institutions. 
(3) MEMBERSHIP.— 
(A) IN GENERAL.—Each Minority Deposi-
tory Institutions Advisory Committee shall con-
sist of no more than 10 members, who— 
(i) shall serve for one two-year term; 
(ii) shall serve as a representative of 
a depository institution or an insured cred-
it union with respect to which the respec-
tive covered regulator is the covered regu-
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