program carried out under this section, and 
such amounts shall remain available until Sep-
tember 30, 2024; and 
(B) not more than $2,000,000 shall be 
available to the Office of the Inspector General 
for audits and investigations of the program au-
thorized under this section. 
(2) BY RECIPIENTS.—Notwithstanding section 
576.108 of title 24 of the Code of Federal Regula-
tions, with respect to amounts made available pursu-
ant to this section, a recipient may use up to 10 per-
cent of the recipient’s grant for payment of adminis-
trative costs related to the planning and execution of 
activities. 
SEC. 102. HOMEOWNER ASSISTANCE FUND. 
(a) DEFINITIONS.—In this section: 
(1) FUND.—The term ‘‘Fund’’ means the 
Homeowner Assistance Fund established under sub-
section (b). 
(2) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of the Treasury. 
(3) STATE.—The term ‘‘State’’ means any 
State of the United States, the District of Columbia, 
any territory of the United States, Puerto Rico, 
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Guam, American Samoa, the Virgin Islands, and the 
Northern Mariana Islands. 
(b) ESTABLISHMENT
OF FUND.—There is estab-
lished at the Department of the Treasury a Homeowner 
Assistance Fund to provide such funds as are made avail-
able under subsection (g) to State housing finance agen-
cies for the purpose of preventing homeowner mortgage 
defaults, foreclosures, and displacements of individuals 
and families experiencing financial hardship after January 
21, 2020. 
(c) ALLOCATION OF FUNDS.— 
(1) ADMINISTRATION.—Of any amounts made 
available for the Fund, the Secretary of the Treas-
ury may allocate, in the aggregate, an amount not 
exceeding 5 percent— 
(A) to the Office of Financial Stability es-
tablished under section 101(a) of the Emer-
gency Economic Stabilization Act of 2008 (12 
U.S.C. 5211(a)) to administer and oversee the 
Fund, and to provide technical assistance to 
States for the creation and implementation of 
State programs to administer assistance from 
the Fund; and 
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(B) to the Inspector General of the De-
partment of the Treasury for oversight of the 
program under this section. 
(2) FOR STATES.—The Secretary shall establish 
such criteria as are necessary to allocate the funds 
available within the Fund for each State. The Sec-
retary shall allocate such funds among all States 
taking into consideration the number of unemploy-
ment claims within a State relative to the nationwide 
number of unemployment claims. 
(3) SMALL STATE MINIMUM.—The amount allo-
cated for each State shall not be less than 
$250,000,000. 
(4) SET-ASIDE FOR INSULAR AREAS.—Notwith-
standing any other provision of this section, of any 
amounts authorized to be appropriated pursuant to 
subsection 
(g), 
the 
Secretary 
shall 
reserve 
$200,000,000 to be disbursed to Guam, American 
Samoa, the Virgin Islands, and the Northern Mar-
iana Islands based on each such territory’s share of 
the combined total population of all such territories, 
as determined by the Secretary. For the purposes of 
this paragraph, population shall be determined based 
on the most recent year for which data are available 
from the United States Census Bureau. 
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(5) SET-ASIDE FOR INDIAN TRIBES AND NATIVE 
HAWAIIANS.—— 
(A) INDIAN TRIBES.—Notwithstanding any 
other provision of this section, of any amounts 
authorized to be appropriated pursuant to sub-
section (g), the Secretary shall use 5 percent to 
make grants in accordance with subsection (f) 
to eligible recipients for the purposes described 
in subsection (e)(1). 
(B) NATIVE HAWAIIANS.— Of the funds 
set aside under subparagraph (A), the Sec-
retary shall use 0.3 percent to make grants to 
the Department of Hawaiian Home Lands in 
accordance with subsection (f) for the purposes 
described in subsection (e)(1). 
(d) DISBURSEMENT OF FUNDS.— 
(1) ADMINISTRATION.—Except for amounts 
made available for assistance under subsection (f), 
State housing finance agencies shall be primarily re-
sponsible for administering amounts disbursed from 
the Fund, but may delegate responsibilities and sub- 
allocate amounts to community development finan-
cial institutions and State agencies that administer 
Low-Income Home Energy Assistance Program of 
the Department of Health and Human Services. 
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(2) NOTICE OF FUNDING.—The Secretary shall 
provide public notice of the amounts that will be 
made available to each State and the method used 
for determining such amounts not later than the ex-
piration of the 14-day period beginning on the date 
of the enactment of this Act of enactment. 
(3) SHFA PLANS.— 
(A) ELIGIBILITY.—To be eligible to receive 
funding allocated for a State under the section, 
a State housing finance agency for the State 
shall submit to the Secretary a plan for the im-
plementation of State programs to administer, 
in part or in full, the amount of funding the 
state is eligible to receive, which shall provide 
for the commencement of receipt of applications 
by homeowners for assistance, and funding of 
such applications, not later than the expiration 
of the 6-month period beginning upon the ap-
proval under this paragraph of such plan. 
(B) MULTIPLE PLANS.—. A State housing 
finance agency may submit multiple plans, each 
covering a separate portion of funding for 
which the State is eligible. 
(C) TIMING.—The Secretary shall approve 
or disapprove a plan within 30 days after the 
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plan’s submission and, if disapproved, explain 
why the plan could not be approved. 
(D) DISBURSEMENT
UPON
APPROVAL.— 
The Secretary shall disburse to a State housing 
finance agency the appropriate amount of fund-
ing upon approval of the agency’s plan. 
(E) AMENDMENTS.—A State housing fi-
nance agency may subsequently amend a plan 
that has previously been approved, provided 
that any plan amendment shall be subject to 
the approval of the Secretary. The Secretary 
shall approve any plan amendment or dis-
approve such amendment explain why the plan 
amendment could not be approved within 45 
days after submission to the Secretary of such 
amendment. 
(F) TECHNICAL
ASSISTANCE.—The Sec-
retary shall provide technical assistance for any 
State housing finance agency that twice fails to 
have a submitted plan approved. 
(4) PLAN
TEMPLATES.—The Secretary shall, 
not later than 30 days after the date of the enact-
ment of this Act, publish templates that States may 
utilize in drafting the plans required under para-
graph (3)(A). The template plans shall include 
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standard program terms and requirements, as well 
as any required legal language, which State housing 
finance agencies may modify with the consent of the 
Secretary. 
(e) PERMISSIBLE USES OF FUND.— 
(1) IN
GENERAL.—Funds made available to 
State housing finance agencies pursuant to this sec-
tion may be used for the purposes established under 
subsection (b), which may include— 
(A) mortgage payment assistance, includ-
ing financial assistance to allow a borrower to 
reinstate their mortgage or to achieve a more 
affordable mortgage payment, which may in-
clude principal reduction or rate reduction, pro-
vided that any mortgage payment assistance is 
tailored to a borrower’s needs and their ability 
to repay, and takes into consideration the loss 
mitigation options available to the borrower; 
(B) assistance with payment of taxes, haz-
ard insurance, flood insurance, mortgage insur-
ance, or homeowners’ association fees; 
(C) utility payment assistance, including 
electric, gas, water, and internet service, includ-
ing broadband internet access service (as such 
term is defined in section 8.1(b) of title 47, 
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Code of Federal Regulations (or any successor 
regulation)); 
(D) reimbursement of funds expended by a 
State or local government during the period be-
ginning on January 21, 2020, and ending on 
the date that the first funds are disbursed by 
the State under the Fund, for the purpose of 
providing housing or utility assistance to indi-
viduals or otherwise providing funds to prevent 
foreclosure or eviction of a homeowner or pre-
vent mortgage delinquency or loss of housing or 
critical utilities as a response to the coronavirus 
disease 2019 (COVID–19) pandemic; and 
(E) any other assistance for homeowners 
to prevent eviction, mortgage delinquency or de-
fault, foreclosure, or the loss of essential utility 
services. 
(2) TARGETING.— 
(A) REQUIREMENT.—Not less than 60 per-
cent of amounts made available for each State 
or other entity allocated amounts under sub-
section (c) shall be used for activities under 
paragraph (1) that assist homeowners having 
incomes equal to or less than 80 percent of the 
area median income. 
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(B) DETERMINATION OF INCOME.— In de-
termining the income of a household for pur-
poses of this paragraph, income shall be consid-
ered to include only income that the household 
is receiving at the time of application for assist-
ance from the Fund and any income recently 
terminated shall not be included, except that for 
purposes of households receiving assistance for 
arrearages income shall include only the income 
that the household was receiving at the time 
such arrearages were incurred. 
(C) LANGUAGE ASSISTANCE.—Each State 
housing finance agency or other entity allocated 
amounts under subsection (c) shall make avail-
able to each applicant for assistance from 
amounts from the Fund language assistance in 
any language that such language assistance is 
available in and shall provide notice to each 
such applicant that such language assistance is 
available. 
(3) ADMINISTRATIVE
EXPENSES.—Not more 
than 15 percent of the amount allocated to a State 
pursuant to subsection (c) may be used by a State 
housing financing agency for administrative ex-
penses. Any amounts allocated to administrative ex-
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penses that are no longer necessary for administra-
tive expenses may be used in accordance with para-
graph (1). 
(f) TRIBAL AND NATIVE HAWAIIAN ASSISTANCE.— 
(1) DEFINITIONS.—In this subsection: 
(A) DEPARTMENT
OF
HAWAIIAN
HOME 
LANDS.—The term ‘‘Department of Hawaiian 
Home Lands’’ has the meaning given the term 
in section 801 of the Native American Housing 
Assistance and Self-Determination Act of 1996 
(42 U.S.C. 4221). 
(B) ELIGIBLE RECIPIENT.—The term ‘‘eli-
gible recipient’’ means any entity eligible to re-
ceive a grant under section 101 of the Native 
American Housing Assistance and Self-Deter-
mination Act of 1996 (25 U.S.C. 4111). 
(2) REQUIREMENTS.— 
(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). 
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(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 authorized to be appro-
priated to the Homeowner Assistance Fund established 
under subsection (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-
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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, 
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; 
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(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) 
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. 
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SEC. 103. 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 
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; 
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‘‘(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: 
‘‘(1) COVERED DWELLING.—The term ‘covered 
dwelling’ means a dwelling that is occupied by a ten-
ant— 
‘‘(A) pursuant to a residential lease; or 
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‘‘(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— 
(A) by striking ‘‘Federally backed mort-
gage loan’’ each place such term appears and 
inserting ‘‘covered mortgage loan’’; and 
(B) in subsection (a)— 
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(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: 
‘‘(9) AUTOMATIC
FORBEARANCE
FOR
DELIN-
QUENT BORROWERS.— 
‘‘(A) IN GENERAL.—Notwithstanding any 
other law governing forbearance relief— 
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‘‘(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-
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-
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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 
‘‘(vi) any claim submission deadline, 
including the 6-month acquired property 
marketing period. 
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‘‘(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; 
‘‘(ii) a non-borrowing spouse’s re-
quest, oral or written, submitted to the 
servicer affirming that the non-borrowing 
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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-
pended during any forbearance period provided 
herein.’’. 
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(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 Emergency Housing Protections and Relief 
Act of 2020’’; 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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(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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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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‘‘(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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‘‘(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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‘‘(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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‘‘(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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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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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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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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‘‘(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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‘‘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 Emergency Housing Pro-
tections and Relief Act of 2020, the Secretary shall deter-
mine whether the borrower can reasonably resume making 
principal and interest payments after the Secretary modi-
fies the borrower’s loan obligations in accordance with 
paragraph (1).’’. 
(7) MULTIFAMILY MORTGAGE FORBEARANCE.— 
Section 4023 of the CARES Act (15 U.S.C. 9057) 
is amended— 
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(A) by striking ‘‘Federally backed multi-
family mortgage loan’’ each place such term ap-
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; 
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‘‘(2) may not charge any late fees, penalties, or 
other charges with respect to payments on the loan 
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: 
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‘‘(5) COVERED
PERIOD.—With respect to a 
loan, the term ‘covered period’ has the meaning 
given that term under section 4022(a)(3).’’. 
(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 
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Bureau of Consumer Financial Protection may 
determine, by rule. 
(10) SERVICER SAFE HARBOR FROM INVESTOR 
LIABILITY.— 
(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-
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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 
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 
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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-
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. 
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(iv) 
SERVICER.—The 
term 
‘‘servicer’’— 
(I) has the meaning given the 
term under section 6(i) of the Real 
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 
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(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 
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-
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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 
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— 
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(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.— 
(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) 
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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-
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 
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Code, is amended by adding at the end thereof 
the following: 
‘‘Sec. 1331. Special provisions related to COVID–19 Pandemic.’’. 
(C) 
APPLICATION.—The 
amendments 
made by this paragraph shall apply only to any 
case under title 11, United States Code, com-
menced before 3 years after the date of enact-
ment of this Act and pending on or commenced 
after such date of enactment, in which a plan 
under chapter 13 of title 11, United States 
Code, was not confirmed before March 27, 
2020. 
SEC. 104. LIQUIDITY FOR MORTGAGE SERVICERS AND RESI-
DENTIAL 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 
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with access to such opportunities under equitable 
terms and conditions regardless of their size. 
‘‘(2) MORTGAGE
SERVICER
ELIGIBILITY.—In 
order to receive assistance under subsection (b)(4), 
a mortgage servicer shall— 
‘‘(A) 
demonstrate 
that 
the 
mortgage 
servicer has established policies and procedures 
to use such funds only to replace funds used for 
borrower assistance, including to advance funds 
as a result of forbearance or other loss mitiga-
tion provided to borrowers; 
‘‘(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 
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‘‘(D) comply with the limitations on com-
pensation set forth in section 4004. 
‘‘(3) MORTGAGE SERVICER REQUIREMENTS.—A 
mortgage servicer receiving assistance under sub-
section (b)(4) may not, while the servicer is under 
any obligation to repay funds provided or guaran-
teed under this section— 
‘‘(A) pay dividends with respect to the 
common stock of the mortgage servicer or pur-
chase an equity security of the mortgage 
servicer or any parent company of the mortgage 
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 
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such owners for documented financial losses 
caused by reductions in rent payments; and 
(B) defer such owners’ required payments 
on such loans until after six months after the 
date of enactment of this Act. 
(2) REQUIREMENTS.—A borrower that receives 
a loan under this subsection may not, for the dura-
tion of the loan— 
(A) evict or initiate the eviction of a tenant 
solely for nonpayment of rent or other fees or 
charges; 
(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. 
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(B) The average total loan amount that 
each borrower received. 
(C) The total number of rental units that 
each borrower owned. 
(D) The average rent charged by each bor-
rower. 
(4) REPORT ON LARGE RESIDENTIAL RENTAL 
PROPERTY OWNERS.—The Board of Governors shall 
issue 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)) 
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and to any such mortgage or mortgages or any in-
terest therein and the proceeds thereon, which the 
Association may elect to approve’’; and 
(2) in the sixth sentence— 
(A) by striking ‘‘or (C)’’ and inserting 
‘‘(C)’’; and 
(B) by inserting before the period the fol-
lowing: ‘‘, or (D) its approval and honoring of 
any pledge or grant of security interest of the 
Federal Reserve under section 4003(a) of the 
CARES Act and to any such mortgage or mort-
gages or any interest therein and proceeds 
thereon as’’. 
SEC. 105. 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 may be used for an addi-
tional amount for rural housing vouchers for any 
low-income households (including those not receiving 
rental assistance) residing in a property financed 
with a section 515 loan which has been prepaid after 
September 30, 2005, or has matured after Sep-
tember 30, 2019; and 
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(2) the remainder shall be used for an addi-
tional amount for rural rental assistance agreements 
entered into or renewed pursuant to section 
521(a)(2) of the Housing Act of 1949 (42 U.S.C. 
1490a(a)(2)) to— 
(A) supplement the rental assistance of 
households on whose behalf assistance is being 
provided; and 
(B) provide rental assistance on behalf of 
households who are not being assisted with such 
rental assistance but who qualify for such as-
sistance. 
SEC. 106. 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)) 
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$3,000,000,000, to remain available until September 30, 
2021, of which not more than $500,000,000 may be used 
for administrative fees under section 8(q) of such Act (42 
U.S.C. 1437f(q)). 
(c) APPLICABILITY OF WAIVERS.—Any waiver or al-
ternative requirement made by the Secretary of Housing 
and Urban Development pursuant to the heading ‘‘Ten-
ant-Based Rental Assistance’’ or ‘‘Public Housing Oper-
ating Fund’’ in title XII of division B of the CARES Act 
(Public Law 116–136) shall apply with respect to amounts 
made available pursuant to this section. 
SEC. 107. 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-
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priate, and for hiring additional staff and for serv-
ices and costs, including acquiring personal protec-
tive equipment, to prevent, prepare for, or respond 
to 
the 
public 
health 
emergency 
relating 
to 
Coronavirus Disease 2019 (COVID-19) pandemic; 
and 
(2) $300,000,000 shall be for grants under sec-
tion 676 of the Housing and Community Develop-
ment Act of 1992 (42 U.S.C. 13632) for costs of 
providing service coordinators for purposes of coordi-
nating services to prevent, prepare for, or respond to 
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 
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subsection (a) of this section, by substituting ‘‘(G), and 
(H)’’ for ‘‘ and (G)’’. 
(c) SERVICE COORDINATORS.— 
(1) HIRING.—In the hiring of staff using 
amounts made available pursuant to this section for 
costs of providing service coordinators, grantees 
shall consider and hire, at all levels of employment 
and to the greatest extent possible, a diverse staff, 
including by race, ethnicity, gender, and disability 
status. Each grantee shall submit a report to the 
Secretary of Housing and Urban Development de-
scribing compliance with the preceding sentence not 
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 
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providing service coordinators that are allocated for 
a grantee and remain unexpended upon the expira-
tion of the 12-month period beginning upon such al-
location shall be recaptured by the Secretary. 
(d) FUNDING FOR SUPPORTIVE HOUSING FOR PER-
SONS WITH DISABILITIES.—There is authorized to be ap-
propriated $200,000,000 for fiscal year 2020 for addi-
tional assistance for supportive housing for persons with 
disabilities under section 811 of the Cranston-Gonzalez 
National Affordable Housing Act (42 U.S.C. 8013). Any 
provisions of, and waivers and alternative requirements 
issued by the Secretary pursuant to, the heading ‘‘Depart-
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-
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