(ii) on the property or effects de-
scribed in clause (i) for any reason other 
than a reason described in that clause; and 
(B) a loan that a Federal worker has ob-
tained with respect to a motor vehicle. 
(2) LIMITATION
ON
FORECLOSURE
OR
EN-
FORCEMENT.—A person holding a lien on the prop-
erty or effects of a Federal worker may not, during 
a covered period, foreclose on or enforce that lien 
without the order of a court that was issued before 
the date on which that foreclosure or enforcement 
occurs. 
(b) STAY
OF PROCEEDINGS.—In a proceeding to 
foreclose on or enforce a lien that is subject to this section, 
a court may, upon the motion of the court, and shall, if 
requested by a Federal worker, the ability of whom to 
comply with the obligation resulting in the proceeding is 
materially affected by a shutdown— 
(1) stay the proceeding for a period of time as 
justice and equity require; or 
(2) adjust the obligation to preserve the inter-
ests of all parties. 
(c) MISDEMEANOR.—A person that knowingly takes 
an action that violates this section, or attempts to take 
an action that violates this section, shall be fined as pro-
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vided in title 18, United States Code, or imprisoned for 
not more than 1 year, or both. 
SEC. 9. STUDENT LOANS. 
(a) DEFINITION OF STUDENT LOAN.—In this sec-
tion, the term ‘‘student loan’’ means the following: 
(1) A loan made, insured, or guaranteed under 
title IV of the Higher Education Act of 1965 (20 
U.S.C. 1070 et seq.), including any Federal Direct 
Stafford Loan, Federal Direct Unsubsidized Staf-
ford Loan, Federal Direct PLUS Loan, or Federal 
Direct Consolidation Loan. 
(2) A private education loan, as such term is 
defined in section 140(a) of the Truth in Lending 
Act (15 U.S.C. 1650(a)). 
(b) APPLICATION TO STUDENT LOANS.—This section 
shall apply to any situation in which— 
(1) the student loan payment of a Federal 
worker falls due or remains unpaid during a shut-
down; and 
(2) during the shutdown described in paragraph 
(1), the Federal worker described in that paragraph 
has been furloughed or required to work without 
pay. 
(c) DEFERMENT ELIGIBILITY.—During a covered pe-
riod, a Federal worker shall be eligible for deferment, dur-
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ing which, with respect to a student loan, periodic install-
ments of principal need not be paid and interest shall not 
accrue. 
(d) LIMITATION ON DEFAULTS.—If the student loan 
payment of a Federal worker falls due and remains unpaid 
during a shutdown, the lender with respect to the student 
loan may not place the loan in default without the order 
of a court. 
(e) LIMITATION ON COLLECTIONS.—If the student 
loan of a Federal worker has been placed in default before 
the date on which a shutdown begins, the lender with re-
spect to the student loan may not, without the order of 
a court, perform any of the following activities during the 
covered period with respect to the shutdown: 
(1) Send the student loan to collection. 
(2) Report adverse information with respect to 
the Federal worker to a consumer reporting agency. 
(3) Garnish wages, tax refunds, or government 
benefits. 
(f) COURT STAY.—In a proceeding to collect a stu-
dent loan payment that is subject to this section, a court 
may, upon the motion of the court, and shall, if requested 
by a Federal worker whose ability to comply with the obli-
gation resulting in the proceeding is materially affected 
by a shutdown— 
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(1) stay the proceeding for a period of time as 
justice and equity require; or 
(2) adjust the obligation to preserve the inter-
ests of all parties. 
(g) MISDEMEANOR.—A person that knowingly vio-
lates this section, or attempts to violate this section, shall 
be fined as provided in title 18, United States Code, or 
imprisoned for not more than 1 year, or both. 
SEC. 10. INCOME TAXES. 
(a) DEFERRAL OF TAX.—Upon notice to the Internal 
Revenue Service, the collection of Federal income tax on 
the income of a Federal worker falling due during a shut-
down shall be deferred for a period of not more than 90 
days after the date on which the shutdown ends if the 
ability of the Federal worker to pay the income tax is ma-
terially affected by the shutdown. 
(b) ACCRUAL OF INTEREST OR PENALTY.—No inter-
est or penalty shall accrue during the period of deferment 
under subsection (a) by reason of nonpayment on any 
amount of tax deferred under this section. 
(c) STATUTE OF LIMITATIONS.—The running of a 
statute of limitations against the collection of tax deferred 
under this section, by seizure or otherwise, shall be sus-
pended for the covered period with respect to the shut-
down to which the collection applies. 
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(d) APPLICATION LIMITATION.—This section shall 
not apply to the tax imposed on employees under section 
3101 of the Internal Revenue Code of 1986. 
SEC. 11. INSURANCE PROTECTION. 
(a) DEFINITION.—In this section, the term ‘‘covered 
insurance policy’’ means a policy— 
(1) for— 
(A) health insurance; 
(B) life insurance; 
(C) disability insurance; or 
(D) motor vehicle insurance; and 
(2) that— 
(A) a Federal worker enters into before the 
date on which a shutdown begins; and 
(B) is in effect during a shutdown. 
(b) INSURANCE PROTECTION.—Without the order of 
a court, a covered insurance policy shall not lapse or other-
wise terminate or be forfeited because a Federal worker 
does not pay a premium, or interest or indebtedness on 
a premium, under the policy that is due during a covered 
period with respect to a shutdown. 
SEC. 12. PROTECTION OF RIGHTS. 
(a) EXERCISE OF RIGHTS UNDER CHAPTER NOT TO 
AFFECT CERTAIN FUTURE FINANCIAL TRANSACTIONS.— 
An application by a Federal worker for, or the receipt by 
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a Federal worker of, a stay, postponement, or suspension 
under this Act with respect to the payment of a fine, pen-
alty, insurance premium, or other civil obligation or liabil-
ity of that Federal worker shall not itself (without regard 
to other considerations) provide the basis for any of the 
following: 
(1) A determination by a lender or other person 
that the Federal worker is unable to pay the civil ob-
ligation or liability, as applicable, in accordance with 
the terms of the obligation or liability. 
(2) With respect to a credit transaction between 
a creditor and the Federal worker— 
(A) a denial or revocation of credit by the 
creditor; 
(B) a change by the creditor in the terms 
of an existing credit arrangement; or 
(C) a refusal by the creditor to grant cred-
it to the Federal worker in substantially the 
amount or on substantially the terms requested. 
(3) An adverse report relating to the credit-
worthiness of the Federal worker by or to a person 
engaged in the practice of assembling or evaluating 
consumer credit information. 
(4) A refusal by an insurer to insure the Fed-
eral worker. 
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(5) A change in the terms offered or conditions 
required for the issuance of insurance. 
(b) REDUCTION
OR WAIVER
OF FINES
OR PEN-
ALTIES.—If a Federal worker fails to perform an obliga-
tion arising under a contract and a penalty is incurred 
arising from that nonperformance, a court may reduce or 
waive the fine or penalty if— 
(1) the Federal worker was furloughed or re-
quired to work without pay during a shutdown on 
the date on which the fine or penalty was incurred; 
and 
(2) the ability of the Federal worker to perform 
the obligation was materially affected by the shut-
down described in paragraph (1). 
(c) COURT ACTION UPON MATERIAL AFFECT DE-
TERMINATION.—If a court determines that a Federal 
worker is materially affected by a shutdown in complying 
with a judgment or an order of a court, the court may, 
upon the motion of the court, and shall, on application 
by the Federal worker— 
(1) stay the execution of any judgment or order 
entered against the Federal worker; and 
(2) vacate or stay an attachment or garnish-
ment of property, money, or debts in the possession 
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of the Federal worker or a third party, whether be-
fore or after the entry of a judgment. 
(d) DEPENDENTS.—Upon application to a court, a 
dependent of a Federal worker is entitled to the protec-
tions under this Act if the ability of the dependent to com-
ply with a lease, contract, bailment, or other obligation 
is materially affected by reason of the impact of a shut-
down on the Federal worker. 
SEC. 13. ENFORCEMENT. 
(a) CIVIL ACTION.—The Attorney General may com-
mence a civil action in any appropriate district court of 
the United States against any person that engages in— 
(1) a pattern or practice of violating this Act; 
or 
(2) a violation of this Act that raises an issue 
of significant public importance. 
(b) RELIEF.—In a civil action commenced under sub-
section (a), a court may— 
(1) grant any appropriate equitable or declara-
tory relief with respect to the violation of this Act; 
(2) award all other appropriate relief, including 
monetary damages, to any person aggrieved by the 
violation described in paragraph (1); and 
(3) to vindicate the public interest, assess a civil 
penalty— 
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(A) in an amount that is not more than 
$55,000 for a first violation; and 
(B) in an amount that is not more than 
$110,000 for any subsequent violation. 
(c) INTERVENTION.—Upon timely application, a per-
son that is aggrieved by a violation of this Act with respect 
to which a civil action is commenced under subsection (a) 
may— 
(1) intervene in the action; and 
(2) obtain such appropriate relief as the person 
could obtain in a civil action under subsection (d) 
with respect to that violation, along with costs and 
a reasonable attorney fee. 
(d) PRIVATE RIGHT OF ACTION.—Any person that, 
after the date of enactment of this Act, is aggrieved by 
a violation of this Act may, in a civil action— 
(1) obtain any appropriate equitable or declara-
tory relief with respect to the violation; and 
(2) recover all other appropriate relief, includ-
ing monetary damages. 
(e) COSTS
AND ATTORNEY FEES.—A court may 
award to a person aggrieved by a violation of this Act that 
prevails in an action brought under subsection (d) the 
costs of the action, including a reasonable attorney fee. 
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(f) NO PREEMPTION.—Nothing in this section may 
be construed to preclude or limit any remedy otherwise 
available under other law, including consequential and pu-
nitive damages. 
Æ 
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