958 
(A) ALLOCATION.—Except for the funds 
set aside under subsection (c)(5)(B), the Sec-
retary shall allocate the funds set aside under 
subsection (c)(5)(A) using the allocation for-
mula described in subpart D of part 1000 of 
title 24, Code of Federal Regulations (or any 
successor regulations). 
(B) NATIVE
HAWAIIANS.—The Secretary 
shall use the funds made available under sub-
section (c)(5)(B) in accordance with part 1006 
of title 24, Code of Federal Regulations (or suc-
cessor regulations). 
(3) TRANSFER.—The Secretary shall transfer 
any funds made available under subsection (c)(5) 
that have not been allocated by an eligible recipient 
or the Department of Hawaiian Home Lands, as ap-
plicable, to provide the assistance described in sub-
section (e)(1) by December 31, 2030, to the Sec-
retary of Housing and Urban Development to carry 
out the Native American Housing Assistance and 
Self-Determination Act of 1996 (25 U.S.C. 4101 et 
seq.). 
(g) FUNDING.—There is appropriated, out of any 
funds in the Treasury not otherwise appropriated, to the 
Homeowner Assistance Fund established under subsection 
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(b), $75,000,000,000, to remain available until expended 
or transferred or credited under subsection (i). 
(h) USE OF HOUSING FINANCE AGENCY INNOVATION 
FUND
FOR
THE HARDEST HIT HOUSING MARKETS 
FUNDS.—A State housing finance agency may reallocate 
any administrative or programmatic funds it has received 
as an allocation from the Housing Finance Agency Inno-
vation Fund for the Hardest Hit Housing Markets created 
pursuant to section 101(a) of the Emergency Economic 
Stabilization Act of 2008 (12 U.S.C. 5211(a)) that have 
not been otherwise allocated or disbursed as of the date 
of enactment of this Act to supplement any administrative 
or programmatic funds received from the Housing Assist-
ance Fund. Such reallocated funds shall not be considered 
when allocating resources from the Housing Assistance 
Fund using the process established under subsection (c) 
and shall remain available for the uses permitted and 
under the terms and conditions established by the contract 
with Secretary created pursuant to subsection (d)(1) and 
the terms of subsection (i). 
(i) REPORTING
REQUIREMENTS.—The Secretary 
shall provide public reports not less frequently than quar-
terly regarding the use of funds provided by the Home-
owner Assistance Fund. Such reports shall include the fol-
lowing data by State and by program within each State, 
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both for the past quarter and throughout the life of the 
program— 
(1) the amount of funds allocated; 
(2) the amount of funds disbursed; 
(3) the number of households and individuals 
assisted; 
(4) the acceptance rate of applicants; 
(5) the type or types of assistance provided to 
each household; 
(6) whether the household assisted had a feder-
ally backed loan and identification of the Federal en-
tity backing such loan; 
(7) the average amount of funding provided per 
household receiving assistance and per type of as-
sistance provided; 
(8) the average number of monthly payments 
that were covered by the funding amount that a 
household received, as applicable, disaggregated by 
type of assistance provided; 
(9) the income level of each household receiving 
assistance; and 
(10) the outcome 12 months after the house-
hold has received assistance. 
Each report under this subsection shall disaggregate the 
information provided under paragraphs (3) through (10) 
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961 
by State, zip code, racial and ethnic composition of the 
household, and whether or not the person from the house-
hold applying for assistance speaks English as a second 
language. 
SEC. 110203. PROTECTING RENTERS AND HOMEOWNERS 
FROM EVICTIONS AND FORECLOSURES. 
(a) EVICTION MORATORIUM.—The CARES Act is 
amended by striking section 4024 (15 U.S.C. 9058; Public 
Law 116-136; 134 Stat. 492) and inserting the following 
new section: 
‘‘SEC. 4024. TEMPORARY MORATORIUM ON EVICTION FIL-
INGS. 
‘‘(a) CONGRESSIONAL
FINDINGS.—The Congress 
finds that— 
‘‘(1) according to the 2018 American Commu-
nity Survey, 36 percent of households in the United 
States—more than 43 million households—are rent-
ers; 
‘‘(2) in 2019 alone, renters in the United States 
paid $512 billion in rent; 
‘‘(3) according to the Joint Center for Housing 
Studies of Harvard University, 20.8 million renters 
in the United States spent more than 30 percent of 
their incomes on housing in 2018 and 10.9 million 
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962 
renters spent more than 50 percent of their incomes 
on housing in the same year; 
‘‘(4) according to data from the Department of 
Labor, more than 30 million people have filed for 
unemployment since the COVID-19 pandemic began; 
‘‘(5) the impacts of the spread of COVID-19, 
which is now considered a global pandemic, are ex-
pected to negatively impact the incomes of poten-
tially millions of renter households, making it dif-
ficult for them to pay their rent on time; and 
‘‘(6) evictions in the current environment would 
increase homelessness and housing instability which 
would be counterproductive towards the public 
health goals of keeping individuals in their homes to 
the greatest extent possible. 
‘‘(b) MORATORIUM.—During the period beginning on 
the date of the enactment of this Act and ending 12 
months after such date of enactment, the lessor of a cov-
ered dwelling located in such State may not make, or 
cause to be made, any filing with the court of jurisdiction 
to initiate a legal action to recover possession of the cov-
ered dwelling from the tenant for nonpayment of rent or 
other fees or charges. 
‘‘(c) DEFINITIONS.—For purposes of this section, the 
following definitions shall apply: 
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963 
‘‘(1) COVERED DWELLING.—The term ‘covered 
dwelling’ means a dwelling that is occupied by a ten-
ant— 
‘‘(A) pursuant to a residential lease; or 
‘‘(B) without a lease or with a lease ter-
minable at will under State law. 
‘‘(2) DWELLING.—The term ‘dwelling’ has the 
meaning given such term in section 802 of the Fair 
Housing Act (42 U.S.C. 3602) and includes houses 
and dwellings described in section 803(b) of such 
Act (42 U.S.C. 3603(b)). 
‘‘(d) NOTICE TO VACATE AFTER MORATORIUM EXPI-
RATION DATE.—After the expiration of the period de-
scribed in subsection (b), the lessor of a covered dwelling 
may not require the tenant to vacate the covered dwelling 
by reason of nonpayment of rent or other fees or charges 
before the expiration of the 30-day period that begins 
upon the provision by the lessor to the tenant, after the 
expiration of the period described in subsection (b), of a 
notice to vacate the covered dwelling.’’. 
(b) MORTGAGE RELIEF.— 
(1) FORBEARANCE AND FORECLOSURE MORA-
TORIUM FOR COVERED MORTGAGE LOANS.—Section 
4022 of the CARES Act (15 U.S.C. 9056) is 
amended— 
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964 
(A) by striking ‘‘Federally backed mort-
gage loan’’ each place such term appears and 
inserting ‘‘covered mortgage loan’’; and 
(B) in subsection (a)— 
(i) by amending paragraph (2) to read 
as follows: 
‘‘(2) COVERED
MORTGAGE
LOAN.—The term 
‘covered mortgage loan’ means any credit trans-
action that is secured by a mortgage, deed of trust, 
or other equivalent consensual security interest on a 
1- to 4-unit dwelling or on residential real property 
that includes a 1- to 4-unit dwelling, except that it 
shall not include a credit transaction under an open 
end credit plan other than a reverse mortgage.’’; and 
(ii) by adding at the end the fol-
lowing: 
‘‘(3) COVERED
PERIOD.—With respect to a 
loan, the term ‘covered period’ means the period be-
ginning on the date of enactment of this Act and 
ending 12 months after such date of enactment.’’. 
(2) AUTOMATIC
FORBEARANCE
FOR
DELIN-
QUENT
BORROWERS.—Section 
4022(c) 
of 
the 
CARES Act (15 U.S.C. 9056(c)), as amended by 
paragraph (5) of this subsection, is further amended 
by adding at the end the following: 
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965 
‘‘(9) AUTOMATIC
FORBEARANCE
FOR
DELIN-
QUENT BORROWERS.— 
‘‘(A) IN GENERAL.—Notwithstanding any 
other law governing forbearance relief— 
‘‘(i) any borrower whose covered mort-
gage loan became 60 days delinquent be-
tween March 13, 2020, and the date of en-
actment of this paragraph, and who has 
not already received a forbearance under 
subsection (b), shall automatically be 
granted a 60-day forbearance that begins 
on the date of enactment of this para-
graph, provided that a borrower shall not 
be considered delinquent for purposes of 
this paragraph while making timely pay-
ments or otherwise performing under a 
trial modification or other loss mitigation 
agreement; and 
‘‘(ii) any borrower whose covered 
mortgage loan becomes 60 days delinquent 
between the date of enactment of this 
paragraph and the end of the covered pe-
riod, and who has not already received a 
forbearance under subsection (b), shall 
automatically be granted a 60-day forbear-
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966 
ance that begins on the 60th day of delin-
quency, provided that a borrower shall not 
be considered delinquent for purposes of 
this paragraph while making timely pay-
ments or otherwise performing under a 
trial modification or other loss mitigation 
agreement. 
‘‘(B) INITIAL EXTENSION.—An automatic 
forbearance provided under subparagraph (A) 
shall be extended for up to an additional 120 
days upon the borrower’s request, oral or writ-
ten, submitted to the borrower’s servicer affirm-
ing that the borrower is experiencing a financial 
hardship that prevents the borrower from mak-
ing timely payments on the covered mortgage 
loan due, directly or indirectly, to the COVID– 
19 emergency. 
‘‘(C) SUBSEQUENT
EXTENSION.—A for-
bearance extended under subparagraph (B) 
shall be extended for up to an additional 180 
days, up to a maximum of 360 days (including 
the period of automatic forbearance), upon the 
borrower’s request, oral or written, submitted to 
the borrower’s servicer affirming that the bor-
rower is experiencing a financial hardship that 
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967 
prevents the borrower from making timely pay-
ments on the covered mortgage loan due, di-
rectly or indirectly, to the COVID–19 emer-
gency. 
‘‘(D) RIGHT TO ELECT TO CONTINUE MAK-
ING PAYMENTS.—With respect to a forbearance 
provided under this paragraph, the borrower of 
such loan may elect to continue making regular 
payments on the loan. A borrower who makes 
such election shall be offered a loss mitigation 
option pursuant to subsection (d) within 30 
days of resuming regular payments to address 
any payment deficiency during the forbearance. 
‘‘(E) RIGHT
TO
SHORTEN
FORBEAR-
ANCE.—At a borrower’s request, any period of 
forbearance provided under this paragraph may 
be shortened. A borrower who makes such a re-
quest shall be offered a loss mitigation option 
pursuant to subsection (d) within 30 days of re-
suming regular payments to address any pay-
ment deficiency during the forbearance. 
‘‘(10) AUTOMATIC FORBEARANCE FOR CERTAIN 
REVERSE MORTGAGE LOANS.— 
‘‘(A) IN
GENERAL.—When any covered 
mortgage loan which is also a federally-insured 
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968 
reverse mortgage loan, during the covered pe-
riod, is due and payable due to the death of the 
last borrower or end of a deferral period or eli-
gible to be called due and payable due to a 
property charge default, or if the borrower de-
faults on a property charge repayment plan, or 
if the borrower defaults for failure to complete 
property repairs, or if an obligation of the bor-
rower under the Security Instrument is not per-
formed, the mortgagee automatically shall be 
granted a six-month extension of— 
‘‘(i) the mortgagee’s deadline to re-
quest due and payable status from the De-
partment of Housing and Urban Develop-
ment; 
‘‘(ii) the mortgage’s deadline to send 
notification to the mortgagor or his or her 
heirs that the loan is due and payable; 
‘‘(iii) the deadline to initiate fore-
closure; 
‘‘(iv) any reasonable diligence period 
related to foreclosure or the Mortgagee Op-
tional Election; 
‘‘(v) if applicable, the deadline to ob-
tain the due and payable appraisal; and 
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‘‘(vi) any claim submission deadline, 
including the 6-month acquired property 
marketing period. 
‘‘(B) FORBEARANCE PERIOD.—The mort-
gagee shall not request due and payable status 
from the Secretary of Housing and Urban De-
velopment nor initiate foreclosure during this 
six-month period described under subparagraph 
(A), which shall be considered a forbearance pe-
riod. 
‘‘(C) EXTENSION.—A forbearance provided 
under subparagraph (B) and related deadline 
extension authorized under subparagraph (A) 
shall be extended for an additional 180 days 
upon— 
‘‘(i) the borrower’s request, oral or 
written, 
submitted 
to 
the 
borrower’s 
servicer affirming that the borrower is ex-
periencing a financial hardship that pre-
vents the borrower from making payments 
on property charges, completing property 
repairs, or performing an obligation of the 
borrower under the Security Instrument 
due, directly or indirectly, to the COVID– 
19 emergency; 
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970 
‘‘(ii) a non-borrowing spouse’s re-
quest, oral or written, submitted to the 
servicer affirming that the non-borrowing 
spouse has been unable to satisfy all cri-
teria for the Mortgagee Optional Election 
program due, directly or indirectly, to the 
COVID-19 emergency, or to perform all 
actions necessary to become an eligible 
non-borrowing spouse following the death 
of all borrowers; or 
‘‘(iii) a successor-in-interest of the 
borrower’s request, oral or written, sub-
mitted to the servicer affirming the heir’s 
difficulty satisfying the reverse mortgage 
loan due, directly or indirectly, to the 
COVID-19 emergency. 
‘‘(D) CURTAILMENT
OF
DEBENTURE
IN-
TEREST.—Where any covered mortgage loan 
which is also a federally insured reverse mort-
gage loan is in default during the covered pe-
riod and subject to a prior event which provides 
for curtailment of debenture interest in connec-
tion with a claim for insurance benefits, the 
curtailment of debenture interest shall be sus-
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971 
pended during any forbearance period provided 
herein.’’. 
(3) ADDITIONAL FORECLOSURE AND REPOSSES-
SION
PROTECTIONS.—Section 
4022(c) 
of 
the 
CARES Act (15 U.S.C. 9056(c)) is amended— 
(A) in paragraph (2), by striking ‘‘may not 
initiate any judicial or non-judicial foreclosure 
process, move for a foreclosure judgment or 
order of sale, or execute a foreclosure-related 
eviction or foreclosure sale for not less than the 
60-day period beginning on March 18, 2020’’ 
and inserting ‘‘may not initiate or proceed with 
any judicial or non-judicial foreclosure process, 
schedule a foreclosure sale, move for a fore-
closure judgment or order of sale, execute a 
foreclosure related eviction or foreclosure sale 
for six months after the date of enactment of 
the COVID–19 HERO Act’’; and 
(B) by adding at the end the following: 
‘‘(3) REPOSSESSION MORATORIUM.—In the case 
of personal property, including any recreational or 
motor vehicle, used as a dwelling, no person may use 
any judicial or non-judicial procedure to repossess or 
otherwise take possession of such property for six 
months after date of enactment of this paragraph.’’. 
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972 
(4) MORTGAGE FORBEARANCE REFORMS.—Sec-
tion 4022 of the CARES Act (15 U.S.C. 9056) is 
amended— 
(A) in subsection (b), by striking para-
graphs (1), (2), and (3) and inserting the fol-
lowing: 
‘‘(1) IN GENERAL.—During the covered period, 
a borrower with a covered mortgage loan who has 
not obtained automatic forbearance pursuant to this 
section and who is experiencing a financial hardship 
that prevents the borrower from making timely pay-
ments on the covered mortgage loan due, directly or 
indirectly, to the COVID–19 emergency may request 
forbearance on the loan, regardless of delinquency 
status, by— 
‘‘(A) submitting a request, orally or in 
writing, to the servicer of the loan; and 
‘‘(B) affirming that the borrower is experi-
encing a financial hardship that prevents the 
borrower from making timely payments on the 
covered mortgage loan due, directly or indi-
rectly, to the COVID–19 emergency. 
‘‘(2) DURATION OF FORBEARANCE.— 
‘‘(A) IN GENERAL.—Upon a request by a 
borrower to a servicer for forbearance under 
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973 
paragraph (1), such forbearance shall be grant-
ed by the servicer for the period requested by 
the borrower, up to an initial length of 180 
days, the length of which shall be extended by 
the servicer, at the request of the borrower for 
the period or periods requested, for a total for-
bearance period of up to 12-months. 
‘‘(B) 
MINIMUM
FORBEARANCE 
AMOUNTS.—For purposes of granting a forbear-
ance under this paragraph, a servicer may 
grant an initial forbearance with a term of not 
less than 90 days, provided that it is automati-
cally extended for an additional 90 days unless 
the servicer confirms the borrower does not 
want to renew the forbearance or that the bor-
rower is no longer experiencing a financial 
hardship that prevents the borrower from mak-
ing timely mortgage payments due, directly or 
indirectly, to the COVID–19 emergency. 
‘‘(C) 
RIGHT
TO
SHORTEN
FORBEAR-
ANCE.—At a borrower’s request, any period of 
forbearance described under this paragraph 
may be shortened. A borrower who makes such 
a request shall be offered a loss mitigation op-
tion pursuant to subsection (d) within 30 days 
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of resuming regular payments to address any 
payment deficiency during the forbearance. 
‘‘(3) ACCRUAL
OF
INTEREST
OR
FEES.—A 
servicer shall not charge a borrower any fees, pen-
alties, or 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 
mortgage contract) in connection with a forbearance, 
provided that a servicer may offer the borrower a 
modification option at the end of a forbearance pe-
riod granted hereunder that includes the capitaliza-
tion of past due principal and interest and escrow 
payments as long as the borrower’s principal and in-
terest payment under such modification remains at 
or below the contractual principal and interest pay-
ments owed under the terms of the mortgage con-
tract before such forbearance period except as the 
result of a change in the index of an adjustable rate 
mortgage. 
‘‘(4) COMMUNICATION WITH SERVICERS.—Any 
communication between a borrower and a servicer 
described under this section may be made in writing 
or orally, at the borrower’s choice. 
‘‘(5) COMMUNICATION WITH BORROWERS WITH 
A
DISABILITY.—Upon request from a borrower, 
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servicers shall communicate with borrowers who 
have a disability in the borrower’s preferred method 
of communication. For purposes of this paragraph, 
the term ‘disability’ has the meaning given that term 
in the Fair Housing Act, the Americans with Dis-
abilities Act of 1990, or the Rehabilitation Act of 
1973.’’; and 
(B) in subsection (c), by amending para-
graph (1) to read as follows: 
‘‘(1) 
NO
DOCUMENTATION
REQUIRED.—A 
servicer of a covered mortgage loan shall not require 
any documentation with respect to a forbearance 
under this section other than the borrower’s affirma-
tion (oral or written) to a financial hardship that 
prevents the borrower from making timely payments 
on the covered mortgage loan due, directly or indi-
rectly, to the COVID–19 emergency. An oral request 
for forbearance and oral affirmation of hardship by 
the borrower shall be sufficient for the borrower to 
obtain or extend a forbearance.’’. 
(5) OTHER SERVICER REQUIREMENTS DURING 
FORBEARANCE.—Section 4022(c) of the CARES Act 
(15 U.S.C. 9056(c)), as amended by paragraph (3) 
of this subsection, is further amended by adding at 
the end the following: 
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976 
‘‘(4) FORBEARANCE
TERMS
NOTICE.—Within 
30 days of a servicer of a covered mortgage loan 
providing forbearance to a borrower under sub-
section (b) or paragraph (9) or (10), or 10 days if 
the forbearance is for a term of less than 60 days, 
but only where the forbearance was provided in re-
sponse to a borrower’s request for forbearance or 
when an automatic forbearance was initially pro-
vided under paragraph (9) or (10), and not when an 
existing forbearance is automatically extended, the 
servicer shall provide the borrower with a notice in 
accordance with the terms in paragraph (5). 
‘‘(5) CONTENTS OF NOTICE.—The written no-
tice required under paragraph (4) shall state in 
plain language— 
‘‘(A) the specific terms of the forbearance; 
‘‘(B) the beginning and ending dates of the 
forbearance; 
‘‘(C) that the borrower is eligible for up to 
12 months of forbearance; 
‘‘(D) that the borrower may request an ex-
tension of the forbearance unless the borrower 
will have reached the maximum period at the 
end of the forbearance; 
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‘‘(E) that the borrower may request that 
the initial or extended period be shortened at 
any time; 
‘‘(F) that the borrower should contact the 
servicer before the end of the forbearance pe-
riod; 
‘‘(G) a description of the loss mitigation 
options that may be available to the borrower at 
the end of the forbearance period based on the 
borrower’s specific loan; 
‘‘(H) information on how to find a housing 
counseling agency approved by the Department 
of Housing and Urban Development; 
‘‘(I) in the case of a forbearance provided 
pursuant to paragraph (9) or (10), that the for-
bearance was automatically provided and how 
to contact the servicer to make arrangements 
for further assistance, including any renewal; 
and 
‘‘(J) where applicable, that the forbearance 
is subject to an automatic extension including 
the terms of any such automatic extensions and 
when any further extension would require a bor-
rower request. 
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978 
‘‘(6) TREATMENT
OF
ESCROW
ACCOUNTS.— 
During any forbearance provided under this section, 
a servicer shall pay or advance funds to make dis-
bursements in a timely manner from any escrow ac-
count established on the covered mortgage loan. 
‘‘(7) NOTIFICATION FOR BORROWERS.—During 
the period that begins 90 days after the date of the 
enactment of this paragraph and ends at the end of 
the covered period, each servicer of a covered mort-
gage loan shall be required to— 
‘‘(A) make available in a clear and con-
spicuous manner on their webpage accurate in-
formation, in English and Spanish, for bor-
rowers regarding the availability of forbearance 
as provided under subsection (b); and 
‘‘(B) notify every borrower whose pay-
ments on a covered mortgage loan are delin-
quent in any oral communication with or to the 
borrower that the borrower may be eligible to 
request forbearance as provided under sub-
section (b), except that such notice shall not be 
required if the borrower already has requested 
forbearance under subsection (b). 
‘‘(8) CERTAIN TREATMENT UNDER RESPA.—As 
long as a borrower’s payment on a covered mortgage 
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loan was not more than 30 days delinquent on 
March 13, 2020, a servicer may not deem the bor-
rower as delinquent while a forbearance granted 
under subsection (b) is in effect for purposes of the 
application of sections 6 and 10 of the Real Estate 
Settlement Procedures Act and any applicable regu-
lations.’’. 
(6) POST-FORBEARANCE LOSS MITIGATION.— 
(A) AMENDMENT TO CARES ACT.—Section 
4022 of the CARES Act (15 U.S.C. 9056) is 
amended by adding at the end the following: 
‘‘(d) POST-FORBEARANCE LOSS MITIGATION.— 
‘‘(1) NOTICE OF AVAILABILITY OF ADDITIONAL 
FORBEARANCE.—With respect to any covered mort-
gage loan as to which forbearance under this section 
has been granted and not otherwise extended, in-
cluding by automatic extension, a servicer shall, no 
later than 30 days before the end of the forbearance 
period, in writing, notify the borrower that addi-
tional forbearance may be available and how to re-
quest such forbearance, except that no such notice 
is required where the borrower already has requested 
an extension of the forbearance period, is subject to 
automatic 
extension 
pursuant 
to 
subsection 
(b)(2)(B), or no additional forbearance is available. 
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980 
‘‘(2) LOSS MITIGATION OFFER BEFORE EXPIRA-
TION OF FORBEARANCE.—No later than 30 days be-
fore the end of any forbearance period that has not 
been extended or 30 days after a request by a con-
sumer to terminate the forbearance, which time shall 
be before the servicer initiates or engages in any 
foreclosure activity listed in subsection (c)(2), in-
cluding incurring or charging to a borrower any fees 
or corporate advances related to a foreclosure, the 
servicer shall, in writing— 
‘‘(A) offer the borrower a loss mitigation 
option, without the charging of any fees or pen-
alties other than interest, such that the bor-
rower’s principal and interest payment remains 
the same as it was prior to the forbearance, 
subject to any adjustment of the index pursuant 
to the terms of an adjustable rate mortgage, 
and that either— 
‘‘(i) defers the payment of total ar-
rearages, including any escrow advances, 
to the end of the existing term of the loan, 
without the charging or collection of any 
additional 
interest 
on 
the 
deferred 
amounts; or 
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981 
‘‘(ii) extends the term of the mortgage 
loan, and capitalizes, defers, or forgives all 
escrow advances and other arrearages; 
provided, however, that the servicer may offer 
the borrower a loss mitigation option that re-
duces the principal and interest payment on the 
loan and capitalizes, defers, or forgives all es-
crow advances or arrearages if the servicer has 
information indicating that the borrower cannot 
resume the pre-forbearance mortgage payments; 
and 
‘‘(B) concurrent with the loss mitigation 
offer in subparagraph (A), notify the borrower 
that the borrower has the right to be evaluated 
for other loss mitigation options if the borrower 
is not able to make the payment under the op-
tion offered in subparagraph (A). 
‘‘(3) EVALUATION FOR LOSS MITIGATION PRIOR 
TO
FORECLOSURE
INITIATION.—Before a servicer 
may initiate or engage in any foreclosure activity 
listed in subsection (c)(2), including incurring or 
charging to a borrower any fees or corporate ad-
vances related to a foreclosure on the basis that the 
borrower has failed to perform under the loss miti-
gation offer in paragraph (2)(A) within the first 90 
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982 
days after the option is offered, including a failure 
to accept the loss mitigation offer in paragraph 
(2)(A), the servicer shall— 
‘‘(A) unless the borrower has already sub-
mitted a complete application that the servicer 
is reviewing— 
‘‘(i) notify the borrower in writing of 
the documents and information, if any, 
needed by the servicer to enable the 
servicer to consider the borrower for all 
available loss mitigation options; 
‘‘(ii) exercise reasonable diligence to 
obtain the documents and information 
needed to complete the borrower’s loss 
mitigation application; 
‘‘(B) upon receipt of a complete applica-
tion or if, despite the servicer’s exercise of rea-
sonable diligence, the loss mitigation application 
remains incomplete sixty days after the notice 
in paragraph (2)(A) is sent, conduct an evalua-
tion of the complete or incomplete loss mitiga-
tion application without reference to whether 
the borrower has previously submitted a com-
plete loss mitigation application and offer the 
borrower all available loss mitigation options for 
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983 
which the borrower qualifies under applicable 
investor guidelines, including guidelines regard-
ing required documentation. 
‘‘(4) EFFECT ON FUTURE REQUESTS FOR LOSS 
MITIGATION REVIEW.—An application, offer, or eval-
uation for loss mitigation under this section shall 
not be the basis for the denial of a borrower’s appli-
cation as duplicative or for a reduction in the bor-
rower’s appeal rights under Regulation X (12 C.F.R. 
1024) in regard to any loss mitigation application 
submitted after the servicer has complied with the 
requirements of paragraphs (2) and (3). 
‘‘(5) SAFE HARBOR.—Any loss mitigation op-
tion authorized by the Federal National Mortgage 
Association, the Federal Home Loan Corporation, or 
the Federal Housing Administration that either— 
‘‘(A) defers the payment of total arrear-
ages, including any escrow advances, to the end 
of the existing term of the loan, without the 
charging or collection of any additional interest 
on the deferred amounts, or 
‘‘(B) extends the term of the mortgage 
loan, and capitalizes, defers, or forgives all es-
crow advances and other arrearages, without 
the charging of any fees or penalties beyond in-
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984 
terest on any amount capitalized into the loan 
principal, 
shall be deemed to comply with the requirements of 
paragraph (1)(B). 
‘‘(6) HOME RETENTION OPTIONS FOR CERTAIN 
REVERSE MORTGAGE LOANS.— 
‘‘(A) IN GENERAL.—For a covered mort-
gage loan which is also a federally-insured re-
verse mortgage loan, a servicer’s conduct shall 
be deemed to comply with this section provided 
that if the loan is eligible to be called due and 
payable due to a property charge default, the 
mortgagee shall, as a precondition to sending a 
due and payable request to the Secretary or ini-
tiating or continuing a foreclosure process— 
‘‘(i) make a good faith effort to com-
municate with the borrower regarding 
available home retention options to cure 
the property charge default, including en-
couraging the borrower to apply for home 
retention options; and 
‘‘(ii) consider the borrower for all 
available home retention options as allowed 
by the Secretary. 
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985 
‘‘(B) PERMISSIBLE REPAYMENT PLANS.— 
The Secretary shall amend its allowable home 
retention options to permit a repayment plan of 
up to 120 months in length, and to permit a re-
payment plan without regard to prior defaults 
on repayment plans. 
‘‘(C) LIMITATION ON INTEREST CURTAIL-
MENT.—The Secretary may not curtail interest 
paid to mortgagees who engage in loss mitiga-
tion or home retention actions through interest 
curtailment during such loss mitigation or home 
retention review or during the period when a 
loss mitigation or home retention plan is in ef-
fect and ending 90 days after any such plan 
terminates.’’. 
(B) AMENDMENT
TO
HOUSING
ACT
OF 
1949.—Section 505 of the Housing Act of 1949 
(42 U.S.C. 1475) is amended— 
(i) by striking the section heading and 
inserting ‘‘LOSS
MITIGATION
AND
FORE-
CLOSURE PROCEDURES’’; 
(ii) in subsection (a), by striking the 
section designation and all that follows 
through ‘‘During any’’ and inserting the 
following: 
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986 
‘‘SEC. 505. (a) Moratorium— (1) In determining a 
borrower’s eligibility for relief, the Secretary shall make 
all eligibility decisions based on the borrower’s household’s 
income, expenses, and circumstances. 
‘‘(2) During any’’. 
(iii) by redesignating subsection (b) as 
subsection (c); and 
(iv) by inserting after subsection (a) 
the following new subsection: 
‘‘(b) LOAN MODIFICATION.— (1) Notwithstanding 
any other provision of this title, for any loan made under 
section 502 or 504, the Secretary may modify the interest 
rate and extend the term of such loan for up to 30 years 
from the date of such modification. 
‘‘(2) At the end of any moratorium period granted 
under this section or under the COVID–19 HERO Act, 
the Secretary shall determine whether the borrower can 
reasonably resume making principal and interest pay-
ments after the Secretary modifies the borrower’s loan ob-
ligations in accordance with paragraph (1).’’. 
(7) MULTIFAMILY MORTGAGE FORBEARANCE.— 
Section 4023 of the CARES Act (15 U.S.C. 9057) 
is amended— 
(A) by striking ‘‘Federally backed multi-
family mortgage loan’’ each place such term ap-
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987 
pears and inserting ‘‘multifamily mortgage 
loan’’; 
(B) in subsection (b), by striking ‘‘during’’ 
and inserting ‘‘due, directly or indirectly, to’’; 
(C) in subsection (c)(1)— 
(i) in subparagraph (A), by adding 
‘‘and’’ at the end; 
(ii) by striking subparagraphs (B) and 
(C) and inserting the following: 
‘‘(B) provide the forbearance for up to the 
end of the period described under section 
4024(b).’’; and 
(D) by redesignating subsection (f) as sub-
section (g); 
(E) by inserting after subsection (e) the 
following: 
‘‘(f) TREATMENT AFTER FORBEARANCE.—With re-
spect to a multifamily mortgage loan provided a forbear-
ance under this section, the servicer of such loan— 
‘‘(1) shall provide the borrower with a 12- 
month period beginning at the end of such forbear-
ance to become current on the payments under such 
loan; 
‘‘(2) may not charge any late fees, penalties, or 
other charges with respect to payments on the loan 
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988 
that were due during the forbearance period, if such 
payments are made before the end of the 12-month 
period; and 
‘‘(3) may not report any adverse information to 
a credit rating agency (as defined under section 603 
of the Fair Credit Reporting Act with respect to any 
payments on the loan that were due during the for-
bearance period, if such payments are made before 
the end of the 12-month period.).’’; and 
(F) in subsection (g), as so redesignated— 
(i) in paragraph (2)— 
(I) by striking ‘‘that—’’ and all 
that follows through ‘‘(A) is secured 
by’’ and inserting ‘‘that is secured 
by’’; 
(II) by striking ‘‘; and’’ and in-
serting a period; and 
(III) by striking subparagraph 
(B); and 
(ii) by amending paragraph (5) to 
read as follows: 
‘‘(5) COVERED
PERIOD.—With respect to a 
loan, the term ‘covered period’ has the meaning 
given that term under section 4022(a)(3).’’. 
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989 
(8) RENTER PROTECTIONS DURING FORBEAR-
ANCE PERIOD.— A borrower that receives a forbear-
ance pursuant to section 4022 or 4023 of the 
CARES Act (15 U.S.C. 9056 or 9057) may not, for 
the duration of the forbearance— 
(A) evict or initiate the eviction of a tenant 
solely for nonpayment of rent or other fees or 
charges; or 
(B) charge any late fees, penalties, or 
other charges to a tenant for late payment of 
rent. 
(9) EXTENSION OF GSE PATCH.— 
(A) 
NON-APPLICABILITY
OF
EXISTING 
SUNSET.—Section 1026.43(e)(4)(iii)(B) of title 
12, Code of Federal Regulations, shall have no 
force or effect. 
(B) EXTENDED
SUNSET.—The special 
rules in section 1026.43(e)(4) of title 12, Code 
of Federal Regulations, shall apply to covered 
transactions consummated prior to June 1, 
2022, or such later date as the Director of the 
Bureau of Consumer Financial Protection may 
determine, by rule. 
(10) SERVICER SAFE HARBOR FROM INVESTOR 
LIABILITY.— 
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990 
(A) SAFE HARBOR.— 
(i) IN GENERAL.—A servicer of cov-
ered mortgage loans or multifamily mort-
gage loans shall be deemed not to have vio-
lated any duty or contractual obligation 
owed to investors or other parties regard-
ing such mortgage loans on account of of-
fering or implementing in good faith for-
bearance during the covered period or of-
fering or implementing in good faith post- 
forbearance loss mitigation (including after 
the expiration of the covered period) in ac-
cordance with the terms of sections 4022 
and 4023 of the CARES Act to borrowers, 
respectively, on covered or multifamily 
mortgage loans that it services and shall 
not be liable to any party who is owed such 
a duty or obligation or subject to any in-
junction, stay, or other equitable relief to 
such party on account of such offer or im-
plementation of forbearance or post-for-
bearance loss mitigation. 
(ii) OTHER
PERSONS.—Any person, 
including a trustee of a securitization vehi-
cle 
or 
other 
party 
involved 
in 
a 
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991 
securitization or other investment vehicle, 
who in good faith cooperates with a 
servicer of covered or multifamily mortgage 
loans held by that securitization or invest-
ment vehicle to comply with the terms of 
section 4022 and 4023 of the CARES Act, 
respectively, to borrowers on covered or 
multifamily mortgage loans owned by the 
securitization or other investment vehicle 
shall not be liable to any party who is owed 
such a duty or obligation or subject to any 
injunction, stay, or other equitable relief to 
such party on account of its cooperation 
with an offer or implementation of forbear-
ance during the covered period or post-for-
bearance loss mitigation, including after 
the expiration of the covered period. 
(B) STANDARD
INDUSTRY
PRACTICE.— 
During the covered period, notwithstanding any 
contractual restrictions, it is deemed to be 
standard industry practice for a servicer to 
offer forbearance or loss mitigation options in 
accordance with the terms of sections 4022 and 
4023 of the CARES Act to borrowers, respec-
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992 
tively, on all covered or multifamily mortgage 
loans it services. 
(C) RULE OF CONSTRUCTION.—Nothing in 
this paragraph may be construed as affecting 
the liability of a servicer or other person for ac-
tual fraud in the servicing of a mortgage loan 
or for the violation of a State or Federal law. 
(D) DEFINITIONS.—In this paragraph: 
(i) COVERED MORTGAGE LOAN.—The 
term ‘‘covered mortgage loan’’ has the 
meaning given that term under section 
4022(a) of the CARES Act. 
(ii) COVERED
PERIOD.—The term 
‘‘covered period’’ has the meaning given 
that term under section 4023(g) of the 
CARES Act. 
(iii) 
MULTIFAMILY
MORTGAGE 
LOAN.—The term ‘‘multifamily mortgage 
loan’’ has the meaning given that term 
under section 4023(g) of the CARES Act. 
(iv) 
SERVICER.—The 
term 
‘‘servicer’’— 
(I) has the meaning given the 
term under section 6(i) of the Real 
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993 
Estate Settlement Procedures Act of 
1974 (12 U.S.C. 2605(i)); and 
(II) means a master servicer and 
a subservicer, as such terms are de-
fined, 
respectively, 
under 
section 
1024.31 of title 12, Code of Federal 
Regulations. 
(v) SECURITIZATION
VEHICLE.—The 
term ‘‘securitization vehicle’’ has the 
meaning give that term under section 
129A(f) of the Truth in Lending Act (15 
U.S.C. 1639a(f)). 
(c) BANKRUPTCY PROTECTIONS.— 
(1) BANKRUPTCY PROTECTIONS FOR FEDERAL 
CORONAVIRUS RELIEF PAYMENTS.—Section 541(b) 
of title 11, United States Code, is amended— 
(A) in paragraph (9), in the matter fol-
lowing subparagraph (B), by striking ‘‘or’’; 
(B) in paragraph (10)(C), by striking the 
period at the end and inserting ‘‘; or’’; and 
(C) by inserting after paragraph (10) the 
following: 
‘‘(11) payments made under Federal law relat-
ing to the national emergency declared by the Presi-
dent under the National Emergencies Act (50 
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994 
U.S.C. 1601 et seq.) with respect to the coronavirus 
disease 2019 (COVID–19).’’. 
(2) PROTECTION
AGAINST
DISCRIMINATORY 
TREATMENT OF HOMEOWNERS IN BANKRUPTCY.— 
Section 525 of title 11, United States Code, is 
amended by adding at the end the following: 
‘‘(d) A person may not be denied any forbearance, 
assistance, or loan modification relief made available to 
borrowers by a mortgage creditor or servicer because the 
person is or has been a debtor, or has received a discharge, 
in a case under this title.’’. 
(3) INCREASING
THE
HOMESTEAD
EXEMP-
TION.—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.’’. 
(4) EFFECT OF MISSED MORTGAGE PAYMENTS 
ON DISCHARGE.—Section 1328 of title 11, United 
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995 
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 or has experienced a mate-
rial financial hardship due, directly or indirectly, to 
the coronavirus disease 2019 (COVID–19) pan-
demic.’’. 
(5) EXPANDED
ELIGIBILITY
FOR
CHAPTER 
13.—Section 109(e) of title 11, United States Code, 
is amended— 
(A) by striking ‘‘$250,000’’ each place the 
term appears and inserting ‘‘$850,000’’; and 
(B) by striking ‘‘$750,000’’ each place the 
term appears and inserting ‘‘$2,600,000’’. 
(6) EXTENDED
CURE
PERIOD
FOR
HOME-
OWNERS HARMED BY COVID–19 PANDEMIC.— 
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996 
(A) IN GENERAL.—Chapter 13 of title 11, 
United States Code, is amended by adding at 
the end thereof the following: 
‘‘§ 1331. Special provisions related to COVID–19 pan-
demic 
‘‘(a) Notwithstanding subsections (b)(2) and (d) of 
section 1322, if the debtor is experiencing or has experi-
enced a material financial hardship due, directly or indi-
rectly, to the coronavirus disease 2019 (COVID–19) pan-
demic, a plan may provide for the curing of any default 
within a reasonable time, not to exceed 7 years after the 
time that the first payment under the original confirmed 
plan was due, and maintenance of payments while the case 
is pending on any unsecured claim or secured claim on 
which the last payment is due after the expiration of such 
time. Any such plan provision shall not affect the applica-
ble commitment period under section 1325(b). 
‘‘(b) For purposes of sections 1328(a) and 1328(b), 
any cure or maintenance payments under subsection (a) 
that are made after the end of the period during which 
the plan provides for payments (other than payments 
under subsection (a)) shall not be treated as payments 
under the plan. 
‘‘(c) Notwithstanding section 1329(c), a plan modi-
fied under section 1329 at the debtor’s request may pro-
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997 
vide for cure or maintenance payments under subsection 
(a) over a period that is not longer than 7 years after 
the time that the first payment under the original con-
firmed plan was due. 
‘‘(d) Notwithstanding section 362(c)(2), during the 
period after the debtor receives a discharge and the period 
during which the plan provides for the cure of any default 
and maintenance of payments under the plan, section 
362(a) shall apply to the holder of a claim for which a 
default is cured and payments are maintained under sub-
section (a) and to any property securing such claim. 
‘‘(e) Notwithstanding section 1301(a)(2), the stay of 
section 1301(a) terminates upon the granting of a dis-
charge under section 1328 with respect to all creditors 
other than the holder of a claim for which a default is 
cured and payments are maintained under subsection 
(a).’’. 
(B) TABLE OF CONTENTS.—The table of 
sections of chapter 13, title 11, United States 
Code, is amended by adding at the end thereof 
the following: 
‘‘Sec. 1331. Special provisions related to COVID–19 Pandemic.’’. 
(C) 
APPLICATION.—The 
amendments 
made by this paragraph shall apply only to any 
case under title 11, United States Code, com-
menced before 3 years after the date of enact-
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998 
ment of this Act and pending on or commenced 
after such date of enactment, in which a plan 
under chapter 13 of title 11, United States 
Code, was not confirmed before March 27, 
2020. 
SEC. 110204. LIQUIDITY FOR MORTGAGE SERVICERS AND 
RESIDENTIAL RENTAL PROPERTY OWNERS. 
(a) IN GENERAL.—Section 4003 of the CARES Act 
(15 U.S.C. 9042), is amended by adding at the end the 
following: 
‘‘(i) LIQUIDITY FOR MORTGAGE SERVICERS.— 
‘‘(1) IN GENERAL.—Subject to paragraph (2), 
the Secretary shall ensure that servicers of covered 
mortgage loans (as defined under section 4022) and 
multifamily mortgage loans (as defined under sec-
tion 4023) are provided the opportunity to partici-
pate in the loans, loan guarantees, or other invest-
ments made by the Secretary under this section. The 
Secretary shall ensure that servicers are provided 
with access to such opportunities under equitable 
terms and conditions regardless of their size. 
‘‘(2) MORTGAGE
SERVICER
ELIGIBILITY.—In 
order to receive assistance under subsection (b)(4), 
a mortgage servicer shall— 
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‘‘(A) 
demonstrate 
that 
the 
mortgage 
servicer has established policies and procedures 
to use such funds only to replace funds used for 
borrower assistance, including to advance funds 
as a result of forbearance or other loss mitiga-
tion provided to borrowers; 
‘‘(B) demonstrate that the mortgage 
servicer has established policies and procedures 
to provide forbearance, post-forbearance loss 
mitigation, and other assistance to borrowers in 
compliance with the terms of section 4022 or 
4023, as applicable; 
‘‘(C) 
demonstrate 
that 
the 
mortgage 
servicer has established policies and procedures 
to ensure that forbearance and post-forbearance 
assistance is available to all borrowers in a non- 
discriminatory fashion and in compliance with 
the Fair Housing Act, the Equal Credit Oppor-
tunity Act, and other applicable fair housing 
and fair lending laws; and 
‘‘(D) comply with the limitations on com-
pensation set forth in section 4004. 
‘‘(3) MORTGAGE SERVICER REQUIREMENTS.—A 
mortgage servicer receiving assistance under sub-
section (b)(4) may not, while the servicer is under 
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1000 
any obligation to repay funds provided or guaran-
teed under this section— 
‘‘(A) pay dividends with respect to the 
common stock of the mortgage servicer or pur-
chase an equity security of the mortgage 
servicer or any parent company of the mortgage 
servicer if the security is listed on a national se-
curities exchange, except to the extent required 
under a contractual obligation that is in effect 
on the date of enactment of this subsection; or 
‘‘(B) prepay any debt obligation.’’. 
(b) CREDIT FACILITY FOR RESIDENTIAL RENTAL 
PROPERTY OWNERS.— 
(1) IN GENERAL.—The Board of Governors of 
the Federal Reserve System shall— 
(A) establish a facility, using amounts 
made available under section 4003(b)(4) of the 
CARES Act (15 U.S.C. 9042(b)(4)), to make 
long-term, low-cost loans to residential rental 
property owners as to temporarily compensate 
such owners for documented financial losses 
caused by reductions in rent payments; and 
(B) defer such owners’ required payments 
on such loans until after six months after the 
date of enactment of this Act. 
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1001 
(2) REQUIREMENTS.—A borrower that receives 
a loan under this subsection may not, for the dura-
tion of the loan— 
(A) evict or initiate the eviction of a tenant 
solely for nonpayment of rent or other fees or 
charges; 
(B) charge any late fees, penalties, or 
other charges to a tenant for late payment of 
rent; and 
(C) with respect to a person or entity de-
scribed under paragraph (4), discriminate on 
the basis of source of income. 
(3) REPORT ON RESIDENTIAL RENTAL PROP-
ERTY OWNERS.—The Board of Governors shall issue 
a report to the Congress containing the following, 
with respect to each property owner receiving a loan 
under this subsection: 
(A) The number of borrowers that received 
assistance under this subsection. 
(B) The average total loan amount that 
each borrower received. 
(C) The total number of rental units that 
each borrower owned. 
(D) The average rent charged by each bor-
rower. 
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1002 
(4) REPORT ON LARGE RESIDENTIAL RENTAL 
PROPERTY OWNERS.—The Board of Governors shall 
issue a report to Congress that identifies any person 
or entity that in aggregate owns or holds a control-
ling interest in any entity that, in aggregate, owns— 
(A) more than 100 rental units that are lo-
cated within in a single Metropolitan Statistical 
Area; 
(B) more than 1,000 rental units nation-
wide; or 
(C) rental units in three or more States. 
(c) AMENDMENTS TO NATIONAL HOUSING ACT.— 
Section 306(g)(1) of the National Housing Act (12 U.S.C. 
1721(a)) is amended— 
(1) in the fifth sentence, by inserting after 
‘‘issued’’ the following: ‘‘, subject to any pledge or 
grant of security interest of the Federal Reserve 
under section 4003(a) of the CARES Act (Public 
Law 116-136; 134 Stat. 470; 15 U.S.C. 9042(a)) 
and to any such mortgage or mortgages or any in-
terest therein and the proceeds thereon, which the 
Association may elect to approve’’; and 
(2) in the sixth sentence— 
(A) by striking ‘‘or (C)’’ and inserting 
‘‘(C)’’; and 
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(B) by inserting before the period the fol-
lowing: ‘‘, or (D) its approval and honoring of 
any pledge or grant of security interest of the 
Federal Reserve under section 4003(a) of the 
CARES Act and to any such mortgage or mort-
gages or any interest therein and proceeds 
thereon as’’. 
SEC. 110205. RURAL RENTAL ASSISTANCE. 
There is authorized to be appropriated for fiscal year 
2020 $309,000,000 for rural rental assistance, which shall 
remain available until September 30, 2021, of which— 
(1) up to $25,000,000 million may be used for 
an additional amount for rural housing vouchers for 
any low-income households (including those not re-
ceiving rental assistance) residing in a property fi-
nanced with a section 515 loan which has been pre-
paid after September 30, 2005, or has matured after 
September 30, 2019; and 
(2) the remainder shall be used for an addi-
tional amount for rural rental assistance agreements 
entered into or renewed pursuant to section 
521(a)(2) of the Housing Act of 1949 (42 U.S.C. 
1490a(a)(2)) to— 
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1004 
(A) supplement the rental assistance of 
households on whose behalf assistance is being 
provided; and 
(B) provide rental assistance on behalf of 
households who are not being assisted with such 
rental assistance but who qualify for such as-
sistance. 
SEC. 110206. FUNDING FOR PUBLIC HOUSING AND TENANT- 
BASED RENTAL ASSISTANCE. 
(a) PUBLIC HOUSING OPERATING FUND.—There is 
authorized to be appropriated for an additional amount 
for fiscal year 2020 for the Public Housing Operating 
Fund under section 9(e) of the United States Housing Act 
of 1937 (42 U.S.C. 1437g(e)) $2,000,000,000, to remain 
available until September 30, 2021. 
(b) TENANT-BASED SECTION 8 RENTAL ASSIST-
ANCE.—There is authorized to be appropriated for an ad-
ditional amount for fiscal year 2020 for the tenant-based 
rental assistance under section 8(o) of the United States 
Housing 
Act 
of 
1937 
(42 
U.S.C. 
1437f(o)) 
$3,000,000,000, to remain available until September 30, 
2021, of which not more than $500,000,000 may be used 
for administrative fees under section 8(q) of such Act (42 
U.S.C. 1437f(q)). 
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1005 
(c) APPLICABILITY OF WAIVERS.—Any waiver or al-
ternative requirement made by the Secretary of Housing 
and Urban Development pursuant to the heading ‘‘Ten-
ant-Based Rental Assistance’’ or ‘‘Public Housing Oper-
ating Fund’’ in title XII of division B of the CARES Act 
(Public Law 116-136) shall apply with respect to amounts 
made available pursuant to this section. 
SEC. 110207. SUPPLEMENTAL FUNDING FOR SUPPORTIVE 
HOUSING FOR THE ELDERLY, SUPPORTIVE 
HOUSING FOR PERSONS WITH DISABILITIES, 
SUPPORTIVE HOUSING FOR PERSONS WITH 
AIDS, AND PROJECT-BASED SECTION 8 RENT-
AL ASSISTANCE. 
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated $500,000,000 for fiscal year 
2020 for additional assistance for supportive housing for 
the elderly, of which— 
(1) $200,000,000 shall be for rental assistance 
under section 202 of the Housing Act of 1959 (12 
U.S.C. 1701q) or section 8 of the United States 
Housing Act of 1937 (42 U.S.C. 1437f), as appro-
priate, and for hiring additional staff and for serv-
ices and costs, including acquiring personal protec-
tive equipment, to prevent, prepare for, or respond 
to 
the 
public 
health 
emergency 
relating 
to 
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1006 
Coronavirus Disease 2019 (COVID-19) pandemic; 
and 
(2) $300,000,000 shall be for grants under sec-
tion 676 of the Housing and Community Develop-
ment Act of 1992 (42 U.S.C. 13632) for costs of 
providing service coordinators for purposes of coordi-
nating services to prevent, prepare for, or respond to 
the public health emergency relating to Coronavirus 
Disease 2019 (COVID-19). 
Any provisions of, and waivers and alternative require-
ments issued by the Secretary pursuant to, the heading 
‘‘Department of Housing and Urban Development—Hous-
ing Programs—Housing for the Elderly’’ in title XII of 
division B of the CARES Act (Public Law 116-136) shall 
apply with respect to amounts made available pursuant 
to this subsection.
(b) ELIGIBILITY OF SUPPORTIVE HOUSING FOR PER-
SONS WITH DISABILITIES.—Subsection (a) of section 676 
of the Housing and Community Development Act of 1992 
(42 U.S.C. 13632(a)) shall be applied, for purposes of 
subsection (a) of this section, by substituting ‘‘(G), and 
(H)’’ for ‘‘ and (G)’’. 
(c) SERVICE COORDINATORS.— 
(1) HIRING.—In the hiring of staff using 
amounts made available pursuant to this section for 
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1007 
costs of providing service coordinators, grantees 
shall consider and hire, at all levels of employment 
and to the greatest extent possible, a diverse staff, 
including by race, ethnicity, gender, and disability 
status. Each grantee shall submit a report to the 
Secretary of Housing and Urban Development de-
scribing compliance with the preceding sentence not 
later than the expiration of the 120-day period that 
begins upon the termination of the emergency de-
clared on March 13, 2020, by the President under 
the Robert T. Stafford Disaster Relief and Emer-
gency Assistance Act (42 U.S.C. 4121 et seq.) relat-
ing to the Coronavirus Disease 2019 (COVID-19) 
pandemic. 
(2) ONE-TIME
GRANTS.—Grants made using 
amounts made available pursuant to subsection (a) 
for costs of providing service coordinators shall not 
be renewable. 
(3) ONE-YEAR
AVAILABILITY.—Any amounts 
made available pursuant to this section for costs of 
providing service coordinators that are allocated for 
a grantee and remain unexpended upon the expira-
tion of the 12-month period beginning upon such al-
location shall be recaptured by the Secretary. 
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1008 
(d) FUNDING FOR SUPPORTIVE HOUSING FOR PER-
SONS WITH DISABILITIES.—There is authorized to be ap-
propriated $200,000,000 for fiscal year 2020 for addi-
tional assistance for supportive housing for persons with 
disabilities under section 811 of the Cranston-Gonzalez 
National Affordable Housing Act (42 U.S.C. 8013). Any 
provisions of, and waivers and alternative requirements 
issued by the Secretary pursuant to, the heading ‘‘Depart-
ment of Housing and Urban Development—Housing Pro-
grams—Housing for Persons With Disabilities’’ in title 
XII of division B of the CARES Act (Public Law 116- 
136) shall apply with respect to amounts made available 
pursuant to this subsection. 
(e) FUNDING FOR HOUSING OPPORTUNITIES FOR 
PEOPLE WITH AIDS PROGRAM.—There is authorized to 
be appropriated $15,000,000 for fiscal year 2020 for addi-
tional assistance for the Housing Opportunities for Per-
sons with AIDS program under the AIDS Housing Oppor-
tunity Act (42 U.S.C. 12901 et seq.). Any provisions of, 
and waivers and alternative requirements issued by the 
Secretary pursuant to, the heading ‘‘Department of Hous-
ing and Urban Development—Community Planning and 
Development—Housing Opportunities for Persons With 
AIDS’’ in title XII of division B of the CARES Act (Pub-
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1009 
lic Law 116-136) shall apply with respect to amounts 
made available pursuant to this subsection. 
(f) FUNDING FOR PROJECT-BASED SECTION 8 RENT-
AL ASSISTANCE.—There is authorized to be appropriated 
$750,000,000 for fiscal year 2020 for additional assist-
ance for project-based rental assistance under section 8 
of the United States Housing Act of 1937 (42 U.S.C. 
1437f). Any provisions of, and waivers and alternative re-
quirements issued by the Secretary pursuant to, the head-
ing ‘‘Department of Housing and Urban Development— 
Housing Programs—Project-Based Rental Assistance’’ in 
title XII of division B of the CARES Act (Public Law 
116-136) shall apply with respect to amounts made avail-
able pursuant to this subsection. 
SEC. 110208. FAIR HOUSING. 
(a) DEFINITION
OF COVID–19 EMERGENCY PE-
RIOD.— For purposes of this Act, the term ‘‘COVID–19 
emergency period’’ means the period that begins upon the 
date of the enactment of this Act and ends upon the date 
of the termination by the Federal Emergency Manage-
ment Agency of the emergency declared on March 13, 
2020, by the President under the Robert T. Stafford Dis-
aster Relief and Emergency Assistance Act (42 U.S.C. 
4121 et seq.) relating to the Coronavirus Disease 2019 
(COVID–19) pandemic. 
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(b) FAIR HOUSING ACTIVITIES.— 
(1) AUTHORIZATION OF APPROPRIATIONS.—To 
ensure existing grantees have sufficient resource for 
fair housing activities and for technology and equip-
ment needs to deliver services through use of the 
Internet or other electronic or virtual means in re-
sponse to the public health emergency related to the 
Coronavirus Disease 2019 (COVID-19) pandemic, 
there is authorized to be appropriated $4,000,000 
for Fair Housing Organization Initiative grants 
through the Fair Housing Initiatives Program under 
section 561 of the Housing and Community Devel-
opment Act of 1987 (42 U.S.C. 3616a). 
(2) 3-YEAR AVAILABILITY.—Any amounts made 
available pursuant paragraph (1) that are allocated 
for a grantee and remain unexpended upon the expi-
ration of the 3-year period beginning upon such allo-
cation shall be recaptured by the Secretary. 
(c) FAIR HOUSING EDUCATION.—There is authorized 
to be appropriated $10,000,000 for the Office of Fair 
Housing and Equal Opportunity of the Department of 
Housing and Urban Development to carry out a national 
media campaign and local education and outreach to edu-
cate the public of increased housing rights during 
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1011 
COVID–19 emergency period, that provides that informa-
tion and materials used in such campaign are available— 
(1) in the languages used by communities with 
limited English proficiency; and 
(2) to persons with disabilities. 
SEC. 110209. FUNDING FOR HOUSING COUNSELING SERV-
ICES. 
(a) CONGRESSIONAL FINDINGS.—The Congress finds 
that— 
(1) the spread of Coronavirus Disease 2019 
(COVID–19), which is now considered a global pan-
demic, is expected to negatively impact the incomes 
of potentially millions of homeowners, renters, indi-
viduals experiencing homelessness, and individuals at 
risk of homelessness, making it difficult for them to 
pay their mortgages or rents on time; 
(2) housing counseling is critical to ensuring 
that homeowners, renters, individuals experiencing 
homelessness, and individuals at risk of homeless-
ness have the resources they need to manage finan-
cial hardships from the COVID-19 crisis; 
(3) loan preservation and foreclosure mitigation 
services are also critical to address the needs of 
homeowners who lose employment and income be-
cause of the pandemic and who face serious delin-
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1012 
quency or home loan default, or are in foreclosing 
proceedings during this period; 
(4) evaluations from the National Foreclosure 
Mitigation Counseling program revealed that home-
owners at risk of or facing foreclosure are better 
served when they have access to a housing counselor 
and a range of tools and resources to help them 
avoid losing their home and have the support they 
need to tailor the best possible response to their sit-
uation. 
(b) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to the Neighborhood Rein-
vestment Corporation (in this section referred to as the 
‘‘Corporation’’) established under the Neighborhood Rein-
vestment Corporation Act (42 U.S.C. 8101 et seq.) 
$100,000,000 for fiscal year 2020 for housing counseling 
services, which shall remain available until September 30, 
2023. 
(c) PRIORITIZATION
OF
HOUSING
COUNSELING 
SERVICES.—Of any grant funds made available pursuant 
to subsection (b), not less than 40 percent shall be pro-
vided to counseling organizations that target counseling 
services to minority and low-income homeowners, renters, 
individuals experiencing homelessness, and individuals at 
risk of homelessness or provide such services in neighbor-
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1013 
hoods with high concentrations of minority and low-in-
come homeowners, renters, individuals experiencing home-
lessness, and individuals at risk of homelessness. 
(d) ELIGIBLE USES.—Amounts made available pur-
suant to subsection (b) may be used in such amounts as 
the Corporation determines for costs of— 
(1) public education and outreach; 
(2) direct services, including the full range of 
services provided by housing counselors to assist 
homeowners, including manufactured homeowners, 
regardless of financing type, renters, individuals ex-
periencing homelessness, and individuals at risk of 
homelessness, including the practices, tools, and in-
novations in foreclosure mitigation that were utilized 
in the National Foreclosure Mitigation Counseling 
Program, and financial capability, credit counseling, 
homeless counseling, and rental counseling; 
(3) 
equipment 
and 
technology, 
including 
broadband internet and equipment upgrades needed 
to ensure timely and effective service delivery; 
(4) training, including capacitating housing 
counseling staff in various modes of counseling, in-
cluding rental and foreclosure, delivery of remote 
counseling utilizing improved technology, enhanced 
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1014 
network security, and supportive options for the de-
livery of client services; and 
(5) administration and oversight of the program 
in accordance with the Corporation’s rate for pro-
gram administration. 
(e) DISBURSEMENT.—The Corporation shall disburse 
all grant funds made available pursuant to subsection (b) 
as expeditiously as possible, through grants to housing 
counseling intermediaries approved by the Department of 
Housing and Urban Development, State housing finance 
agencies, and NeighborWorks organizations. The aggre-
gate amount provided to NeighborWorks organizations 
shall not exceed 15 percent of the total of grant funds 
made available pursuant to subsection (b). 
TITLE III—PROTECTING PEOPLE 
EXPERIENCING HOMELESSNESS 
SEC. 110301. HOMELESS ASSISTANCE FUNDING. 
(a) EMERGENCY HOMELESS ASSISTANCE.— 
(1) AUTHORIZATION
OF
APPROPRIATIONS.— 
There is authorized to be appropriated under the 
Emergency Solutions Grants program under subtitle 
B of title IV of the McKinney-Vento Homeless As-
sistance 
Act 
(42 
U.S.C. 
11371 
et 
seq.) 
$11,500,000,000 for grants under such subtitle in 
accordance with this subsection to respond to needs 
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1015 
arising from the public health emergency relating to 
Coronavirus Disease 2019 (COVID-19). Of such 
amounts made available, $4,000,000,000 shall be al-
located in accordance with sections 413 and 414 of 
the McKinney-Vento Homeless Assistance Act (42 
U.S.C. 11372, 11373). 
(2) FORMULA.—Notwithstanding sections 413 
and 414 of the McKinney-Vento Homeless Assist-
ance Act (42 U.S.C. 11372, 11373), the Secretary 
of Housing and Urban Development (in this Act re-
ferred to as the ‘‘Secretary’’) shall allocate any 
amounts remaining after amounts are allocated pur-
suant to paragraph (1) in accordance with a formula 
to be established by the Secretary that takes into 
consideration the following factors: 
(A) Risk of transmission of coronavirus in 
a jurisdiction. 
(B) Whether a jurisdiction has a high 
number or rate of sheltered and unsheltered 
homeless individuals and families. 
(C) Economic and housing market condi-
tions in a jurisdiction. 
(3) ELIGIBLE ACTIVITIES.—In addition to eligi-
ble activities under section 415(a) of the McKinney- 
Vento 
Homeless 
Assistance 
Act 
(42 
U.S.C. 
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1016 
11374(a), amounts made available pursuant to para-
graph (1) may also be used for costs of the following 
activities: 
(A) Providing training on infectious dis-
ease prevention and mitigation. 
(B) Providing hazard pay, including for 
time worked before the effectiveness of this sub-
paragraph, for staff working directly to prevent 
and mitigate the spread of coronavirus or 
COVID-19 among people experiencing or at 
risk of homelessness. 
(C) Reimbursement of costs for eligible ac-
tivities (including activities described in this 
paragraph) relating to preventing, preparing 
for, or responding to the coronavirus or 
COVID-19 that were accrued before the date of 
the enactment of this Act. 
(D) 
Notwithstanding 
CFR 
576.102(a)(3), providing a hotel or motel 
voucher for a homeless individual or family. 
Use of such amounts for activities described in this 
paragraph shall not be considered use for adminis-
trative purposes for purposes of section 418 of the 
McKinney-Vento Homeless Assistance Act (42 
U.S.C. 11377). 
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1017 
(4) 
INAPPLICABILITY
OF
PROCUREMENT 
STANDARDS.—To the extent amounts made available 
pursuant to paragraph (1) are used to procure goods 
and services relating to activities to prevent, prepare 
for, or respond to the coronavirus or COVID-19, the 
standards and requirements regarding procurement 
that are otherwise applicable shall not apply. 
(5) INAPPLICABILITY
OF
HABITABILITY
AND 
ENVIRONMENTAL
REVIEW
STANDARDS.—Any Fed-
eral standards and requirements regarding habit-
ability and environmental review shall not apply with 
respect to any emergency shelter that is assisted 
with amounts made available pursuant to paragraph 
(1) and has been determined by a State or local 
health official, in accordance with such requirements 
as the Secretary shall establish, to be necessary to 
prevent and mitigate the spread of coronavirus or 
COVID-19, such shelters. 
(6) INAPPLICABILITY OF CAP ON EMERGENCY 
SHELTER
ACTIVITIES.—Subsection (b) of section 
415 of the McKinney-Vento Homeless Assistance 
Act shall not apply to any amounts made available 
pursuant to paragraph (1) of this subsection. 
(7) INITIAL ALLOCATION OF ASSISTANCE.—Sec-
tion 417(b) of the McKinney-Vento Homeless Assist-
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1018 
ance Act (42 U.S.C. 11376(b)) shall be applied with 
respect to amounts made available pursuant to para-
graph (1) of this subsection by substituting ‘‘30- 
day’’ for ‘‘60-day’’. 
(8) WAIVERS
AND
ALTERNATIVE
REQUIRE-
MENTS.— 
(A) 
AUTHORITY.—In 
administering 
amounts made available pursuant to paragraph 
(1), the Secretary may waive, or specify alter-
native requirements for, any provision of any 
statute or regulation (except for any require-
ments related to fair housing, nondiscrimina-
tion, labor standards, and the environment) 
that the Secretary administers in connection 
with the obligation or use by the recipient of 
such amounts, if the Secretary finds that good 
cause exists for the waiver or alternative re-
quirement and such waiver or alternative re-
quirement is consistent with the purposes de-
scribed in this subsection. 
(B) NOTIFICATION.—The Secretary shall 
notify the public through the Federal Register 
or other appropriate means 5 days before the 
effective date of any such waiver or alternative 
requirement, and any such public notice may be 
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provided on the Internet at the appropriate 
Government web site or through other elec-
tronic media, as determined by the Secretary. 
(C) EXEMPTION.—The use of amounts 
made available pursuant to paragraph (1) shall 
not be subject to the consultation, citizen par-
ticipation, or match requirements that other-
wise apply to the Emergency Solutions Grants 
program, except that a recipient shall publish 
how it has and will utilize its allocation at a 
minimum on the Internet at the appropriate 
Government web site or through other elec-
tronic media. 
(9) INAPPLICABILITY OF MATCHING REQUIRE-
MENT.—Subsection (a) of section 416 of the McKin-
ney-Vento Homeless Assistance Act (42 U.S.C. 
11375(a)) shall not apply to any amounts made 
available pursuant to paragraph (1) of this sub-
section. 
(10) PROHIBITION ON PREREQUISITES.—None 
of the funds authorized under this subsection may 
be used to require people experiencing homelessness 
to receive treatment or perform any other pre-
requisite activities as a condition for receiving shel-
ter, housing, or other services. 
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consumer who is a resident of the affected area cov-
ered by the applicable disaster or emergency declara-
tion. 
‘‘ ‘(2) COVERED
MAJOR
DISASTER
PERIOD.— 
The term ‘‘covered major disaster period’’ means the 
period— 
‘‘ ‘(A) beginning on the date on which a 
major disaster is declared by the President 
under— 
‘‘ ‘(i) section 401 of the Robert T. 
Stafford Disaster Relief and Emergency 
Assistance Act (42 U.S.C. 5170), under 
which assistance is authorized under sec-
tion 408 of such Act (42 U.S.C. 5174); or 
‘‘ ‘(ii) section 501 of such Act; and 
‘‘ ‘(B) ending on the date that is 120 days 
after the end of the incident period for such 
disaster. 
‘‘ ‘(3) COVERED PERIOD.—The term ‘‘covered 
period’’ means the COVID–19 emergency period or 
a covered major disaster period. 
‘‘ ‘(4) COVID–19 EMERGENCY
PERIOD.—The 
term ‘‘COVID–19 emergency period’’ means the pe-
riod beginning on March 13, 2020 (the date the 
President declared the emergency under section 501 
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any extension of credit or other transaction des-
ignated by the consumer who is requesting the 
credit score; or 
‘‘ ‘(B) is widely distributed to lenders of 
common consumer loan products and predicts 
the future credit behavior of a consumer. 
‘‘ ‘(2) TIMING.—A file disclosure or credit score 
under paragraph (1) shall be provided to the con-
sumer not later than— 
‘‘ ‘(A) 7 days after the date on which the 
request is received if the request is made by 
mail; and 
‘‘ ‘(B) not later than 15 minutes if the re-
quest is made online. 
‘‘ ‘(3) ADDITIONAL REPORTS.—A file disclosure 
provided under paragraph (1) shall be in addition to 
any disclosure requested by the consumer under sec-
tion 612(a). 
‘‘ ‘(4) PROHIBITION.—A consumer reporting 
agency that receives a request under paragraph (1) 
may not request or require any documentation from 
the consumer that demonstrates that the consumer 
was impacted by the coronavirus disease (COVID– 
19) outbreak or a major disaster (except to verify 
that the consumer is a resident of the affected area 
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rower to make an election described under sub-
section (b). 
(b) RELIEF
FOR PRIVATE STUDENT LOAN BOR-
ROWERS AS A RESULT OF THE COVID–19 NATIONAL 
EMERGENCY.— 
(1) STUDENT LOAN RELIEF AS A RESULT OF 
THE
COVID–19
NATIONAL
EMERGENCY.—Not later 
than 90 days after the end of September 2021, the 
Secretary of the Treasury shall carry out a program 
under which a borrower, with respect to the private 
education loans of such borrower, shall receive in ac-
cordance with paragraph (3) an amount equal to the 
lesser of— 
(A) the total amount of each private edu-
cation loan of the borrower; or 
(B) $10,000, reduced by the aggregate 
amount of all payments made by the Secretary 
of the Treasury with respect to such borrower 
under section 140(h) of the Truth in Lending 
Act. 
(2) NOTIFICATION OF BORROWERS.—Not later 
than 90 days after the end of September 2021, the 
Secretary of the Treasury shall notify each borrower 
of a private education loan of— 
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