1508 
(A) IN GENERAL.—Not later than 10 days 
after the date of enactment of this Act, the Sec-
retary shall issue guidance to State agencies on 
the temporary student eligibility requirements 
established under this subsection. 
(B) COORDINATION
WITH
THE
DEPART-
MENT OF EDUCATION.—The Secretary of Edu-
cation, in consultation with the Secretary of Ag-
riculture and institutions of higher education, 
shall carry out activities to inform applicants 
for Federal student financial aid under the 
Higher Education Act of 1965 (20 U.S.C. 1001 
et seq.) and students at institutions of higher 
education of the temporary student eligibility 
requirements established under this subsection. 
(i) FUNDING.—There are hereby appropriated to the 
Secretary, out of any money not otherwise appropriated, 
such sums as may be necessary to carry out this section. 
SEC. 603. SNAP HOT FOOD PURCHASES. 
During the period beginning 10 days after the date 
of the enactment of this Act and ending on the termi-
nation date of the COVID–19 public health emergency, 
the term ‘‘food’’, as defined in section 3 of the Food and 
Nutrition Act of 2008 (7 U.S.C. 2012), shall be deemed 
to exclude ‘‘hot foods or hot food products ready for imme-
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diate consumption other than those authorized pursuant 
to clauses (3), (4), (5), (7), (8), and (9) of this sub-
section,’’ for purposes of such Act, except that such exclu-
sion shall be limited to retail food stores authorized to ac-
cept and redeem supplemental nutrition assistance pro-
gram benefits as of the date of enactment of this Act. 
SEC. 604. SNAP NUTRITION EDUCATION FLEXIBILITY. 
(a) IN GENERAL.—Notwithstanding any other provi-
sion of law, the Secretary may issue nationwide guidance 
to allow funds allocated under section 28 of the Food and 
Nutrition Act (7 U.S.C. 2036a) to be used for individuals 
distributing food in a non-congregate setting under com-
modity distribution programs and child nutrition pro-
grams administered by the Food and Nutrition Service of 
the Department of Agriculture in States affected by the 
COVID–19 outbreak, provided that any individuals who 
distribute school meals under— 
(1) the school lunch program established under 
the Richard B. Russell National School Lunch Act 
(42 U.S.C. 1751 et seq.); and 
(2) the school breakfast program established 
under section 4 of the Child Nutrition Act of 1966 
(42 U.S.C. 1773); 
using funds allocated under section 28 of the Food and 
Nutrition Act of 2008 (7 U.S.C. 2036a) supplement, not 
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supplant, individuals who are employed by local edu-
cational authorities as of the date of enactment of this 
Act. 
(b) SUNSET.—The authority provided in this section 
shall expire 30 days after the COVID–19 public health 
emergency is terminated. 
SEC. 605. FLEXIBILITIES FOR SENIOR FARMERS’ MARKET 
NUTRITION PROGRAM. 
(a) AUTHORITY TO MODIFY OR WAIVE RULES.— 
Notwithstanding any other provision of law and if re-
quested by a State agency, the Secretary may modify or 
waive any rule issued under section 4402 of the Farm Se-
curity and Rural Investment Act of 2002 (7 U.S.C. 3007) 
that applies to such State agency if the Secretary deter-
mines that— 
(1) such State agency is unable to comply with 
such rule as a result of COVID–19; and 
(2) the requested modification or waiver is nec-
essary to enable such State agency to provide assist-
ance to low-income seniors under such section. 
(b) PUBLIC AVAILABILITY.—Not later than 10 days 
after the date of the receipt or issuance of each document 
listed in paragraphs (1) and (2) of this subsection, the 
Secretary shall make publicly available on the website of 
the Department of Agriculture the following documents: 
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(1) Any request submitted by State agencies 
under subsection (a). 
(2) The Secretary’s approval or denial of each 
such request. 
(c) DEFINITION
OF STATE AGENCY.—The term 
‘‘State agency’’ has the meaning given such term in sec-
tion 249.2 of title 7 of the Code of Federal Regulations. 
(d) EFFECTIVE PERIOD.—Subsection (a) shall be in 
effect during the period that begins on the date of the 
enactment of this Act and ends 30 days after the termi-
nation of the COVID–19 public health emergency. 
SEC. 606. FLEXIBILITIES FOR THE FOOD DISTRIBUTION 
PROGRAM ON INDIAN RESERVATIONS. 
(a) WAIVER
OF NON-FEDERAL SHARE REQUIRE-
MENT.—Funds provided in division B of the Coronavirus 
Aid, Relief, and Economic Security Act (Public Law 116– 
136) for the food distribution program on Indian reserva-
tions authorized by section 4(b) of the Food and Nutrition 
Act of 2008 (7 U.S.C. 2013(b)) shall not be subject to 
the payment of the non-Federal share requirement de-
scribed in section 4(b)(4)(A) of such Act (7 U.S.C. 
2013(b)(4)(A)). 
(b) FLEXIBILITIES FOR CERTAIN HOUSEHOLDS.— 
(1) IN GENERAL.—Notwithstanding any other 
provision of law, the Secretary of Agriculture may 
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issue guidance to waive or adjust section 4(b)(2)(C) 
of the Food and Nutrition Act of 2008 (7 U.S.C. 
2013(b)(2)(C) for any Tribal organization (as de-
fined in section 3(v) of such Act (7 U.S.C. 2012(v)), 
or for an appropriate State agency administering the 
program established under section 4(b) of such Act 
(7 U.S.C. 2013(b)), to ensure that households on 
the Indian reservation who are participating in the 
supplemental nutrition assistance program and who 
are unable to access approved retail food stores due 
to the outbreak of COVID–19 have access to com-
modities distributed under section 4(b) of such Act. 
(2) 
PUBLIC
AVAILABILITY.—The 
Secretary 
shall make available the guidance document issued 
under paragraph (1) on the public website of the 
Department of Agriculture not later than 10 days 
after the date of the issuance of such guidance. 
(3) SUNSET.—The authority under this sub-
section shall expire 30 days after the termination of 
the COVID–19 public health emergency. 
TITLE VII—RURAL 
DEVELOPMENT 
SEC. 701. ASSISTANCE FOR RURAL UTILITIES SERVICE 
BORROWERS. 
(a) DEFINITIONS.—In this section: 
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(1) ELIGIBLE LOAN.—The term ‘‘eligible loan’’ 
means a loan made by the Secretary under section 
4 or 201 of the Rural Electrification Act of 1936 (7 
U.S.C. 904 or 922), or made by the Federal Financ-
ing Bank and guaranteed by the Secretary under 
section 306 of such Act (7 U.S.C. 936). 
(2) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’ means a borrower to whom an eligible loan is 
made. 
(3) RATEPAYER.—The term ‘‘ratepayer’’ means 
an individual who receives utility services from an 
entity to whom the Rural Utilities Service has made 
a loan. 
(b) IN GENERAL.— 
(1) ESTABLISHMENT.—The Secretary shall 
make grants on a competitive basis to eligible enti-
ties to mitigate the effects of the COVID–19 pan-
demic and support their continued or expanded de-
livery of critical services (as defined by the Sec-
retary), including covering the cost of forgiving or 
refinancing ratepayer debt outstanding as of such 
date of enactment. 
(2) TIMELINE.— 
(A) NOTICE OF FUNDING AVAILABILITY.— 
Within 60 days after the date of the enactment 
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of this Act, the Secretary shall publish a Notice 
of Funding Availability to solicit applications 
for a grant under this section. 
(B) GRANT AWARDS.—The Secretary shall 
announce the grants awarded under this section 
no later than 60 days after the publication of 
the Notice of Funding Availability pursuant to 
subparagraph (A). 
(3) MAXIMUM GRANT AMOUNT.—The amount of 
the grant awarded to an eligible entity under this 
section shall not exceed $1,000,000. 
(c) APPLICATION.—To be eligible to receive a grant 
under this section, an eligible entity shall submit to the 
Secretary an application containing such information as 
the Secretary may require. 
(d) SELECTION
CRITERIA.—In awarding grants 
under this section, the Secretary shall consider— 
(1) the degree to which applicants who are eli-
gible entities are experiencing economic hardship due 
to reduced or delayed payments from ratepayers; 
(2) whether applicants who are eligible entities 
are using eligible loans to provide services primarily 
to socially disadvantaged groups, as defined in sec-
tion 355(e) of the Consolidated Farm and Rural De-
velopment Act; and 
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(3) the degree to which applicants who are eli-
gible entities are using eligible loans in providing 
services in persistent poverty counties, as defined by 
the Secretary. 
(e) REPORT TO THE CONGRESS.—Not later than 1 
year after the date of the enactment of this Act, the Sec-
retary shall submit to the Committee on Agriculture of 
the House of Representatives and the Committee on Agri-
culture, Nutrition, and Forestry of the Senate a report 
detailing, for each eligible entity awarded a grant under 
this section, the name of the eligible entity and the geo-
graphic areas benefitting from the grant. 
(f) AUTHORIZATION OF APPROPRIATIONS.—To carry 
out this section, there is authorized to be appropriated not 
more than $2,600,000,000 for fiscal year 2021, to remain 
available through fiscal year 2022. 
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DIVISION O—COVID–19 HERO 
ACT 
SEC. 1. SHORT TITLE. 
This division may be cited as the ‘‘COVID–19 Hous-
ing, Economic Relief, and Oversight Act’’ or the ‘‘COVID– 
19 HERO Act’’. 
TITLE I—PROVIDING MEDICAL 
EQUIPMENT FOR FIRST RE-
SPONDERS 
AND 
ESSENTIAL 
WORKERS 
SEC. 101. COVID–19 EMERGENCY MEDICAL SUPPLIES EN-
HANCEMENT. 
(a) DETERMINATION ON EMERGENCY SUPPLIES AND 
RELATIONSHIP TO STATE AND LOCAL EFFORTS.— 
(1) DETERMINATION.—For the purposes of sec-
tion 101 of the Defense Production Act of 1950 (50 
U.S.C. 4511), the following materials shall be 
deemed to be scarce and critical materials essential 
to the national defense and otherwise meet the re-
quirements of section 101(b) of such Act during the 
COVID–19 emergency period: 
(A) Diagnostic tests, including serological 
tests, for COVID–19 and the reagents and 
other materials necessary for producing or con-
ducting such tests. 
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(B) Personal protective equipment, includ-
ing face shields, N–95 respirator masks, and 
any other masks determined by the Secretary of 
Health and Human Services to be needed to re-
spond to the COVID–19 pandemic, and the ma-
terials to produce such equipment. 
(C) Medical ventilators, the components 
necessary to make such ventilators, and medi-
cines needed to use a ventilator as a treatment 
for any individual who is hospitalized for 
COVID–19. 
(D) Pharmaceuticals and any medicines 
determined by the Food and Drug Administra-
tion or another Government agency to be effec-
tive in treating COVID–19 (including vaccines 
for COVID–19) and any materials necessary to 
produce or use such pharmaceuticals or medi-
cines (including self-injection syringes or other 
delivery systems). 
(E) Any other medical equipment or sup-
plies determined by the Secretary of Health and 
Human Services or the Secretary of Homeland 
Security to be scarce and critical materials es-
sential to the national defense for purposes of 
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section 101 of the Defense Production Act of 
1950 (50 U.S.C. 4511). 
(2) EXERCISE OF TITLE I AUTHORITIES IN RE-
LATION TO CONTRACTS BY STATE AND LOCAL GOV-
ERNMENTS.—In exercising authorities under title I 
of the Defense Production Act of 1950 (50 U.S.C. 
4511 et seq.) during the COVID–19 emergency pe-
riod, the President (and any officer or employee of 
the United States to which authorities under such 
title I have been delegated)— 
(A) may exercise the prioritization or allo-
cation authority provided in such title I to ex-
clude any materials described in paragraph (1) 
ordered by a State or local government that are 
scheduled to be delivered within 15 days of the 
time at which— 
(i) the purchase order or contract by 
the Federal Government for such materials 
is made; or 
(ii) the materials are otherwise allo-
cated by the Federal Government under 
the authorities contained in such Act; and 
(B) shall, within 24 hours of any exercise 
of the prioritization or allocation authority pro-
vided in such title I— 
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(i) notify any State or local govern-
ment if the exercise of such authorities 
would delay the receipt of such materials 
ordered by such government; and 
(ii) take such steps as may be nec-
essary to ensure that such materials or-
dered by such government are delivered in 
the shortest possible period. 
(3) UPDATE
TO
THE
FEDERAL
ACQUISITION 
REGULATION.—Not later than 15 days after the 
date of the enactment of this Act, the Federal Ac-
quisition Regulation shall be revised to reflect the 
requirements of paragraph (2)(A). 
(b) ENGAGEMENT WITH THE PRIVATE SECTOR.— 
(1) SENSE OF CONGRESS.—The Congress— 
(A) appreciates the willingness of private 
companies not traditionally involved in pro-
ducing items for the health sector to volunteer 
to use their expertise and supply chains to 
produce essential medical supplies and equip-
ment; 
(B) encourages other manufacturers to re-
view their existing capacity and to develop ca-
pacity to produce essential medical supplies, 
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medical equipment, and medical treatments to 
address the COVID–19 emergency; and 
(C) commends and expresses deep appre-
ciation to individual citizens who have been pro-
ducing personal protective equipment and other 
materials for, in particular, use at hospitals in 
their community. 
(2) OUTREACH REPRESENTATIVE.— 
(A) DESIGNATION.—Consistent with the 
authorities in title VII of the Defense Produc-
tion Act of 1950 (50 U.S.C. 4551 et seq.), the 
Administrator of the Federal Emergency Man-
agement Agency, in consultation with the Sec-
retary of Health and Human Services, shall 
designate or shall appoint, pursuant to section 
703 of such Act (50 U.S.C. 4553), an indi-
vidual to be known as the ‘‘Outreach Rep-
resentative’’. Such individual shall— 
(i) be appointed from among individ-
uals with substantial experience in the pri-
vate sector in the production of medical 
supplies or equipment; and 
(ii) act as the Government-wide single 
point of contact during the COVID–19 
emergency for outreach to manufacturing 
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companies and their suppliers who may be 
interested in producing medical supplies or 
equipment, including the materials de-
scribed under subsection (a). 
(B) ENCOURAGING
PARTNERSHIPS.—The 
Outreach Representative shall seek to develop 
partnerships between companies, in coordina-
tion with the Supply Chain Stabilization Task 
Force or any overall coordinator appointed by 
the President to oversee the response to the 
COVID–19 emergency, including through the 
exercise of the authorities under section 708 of 
the Defense Production Act of 1950 (50 U.S.C. 
4558). 
(c) ENHANCEMENT
OF SUPPLY CHAIN PRODUC-
TION.—In exercising authority under title III of the De-
fense Production Act of 1950 (50 U.S.C. 4531 et seq.) 
with respect to materials described in subsection (a), the 
President shall seek to ensure that support is provided to 
companies that comprise the supply chains for reagents, 
components, raw materials, and other materials and items 
necessary to produce or use the materials described in sub-
section (a). 
(d) OVERSIGHT
OF
CURRENT
ACTIVITY
AND 
NEEDS.— 
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(1) RESPONSE TO IMMEDIATE NEEDS.— 
(A) IN GENERAL.—Not later than 7 days 
after the date of the enactment of this Act, the 
President, in coordination with the National 
Response Coordination Center of the Federal 
Emergency Management Agency, the Adminis-
trator of the Defense Logistics Agency, the Sec-
retary of Health and Human Services, the Sec-
retary of Veterans Affairs, and heads of other 
Federal agencies (as appropriate), shall submit 
to the appropriate congressional committees a 
report assessing the immediate needs described 
in subparagraph (B) to combat the COVID–19 
pandemic and the plan for meeting those imme-
diate needs. 
(B) ASSESSMENT.—The report required by 
this paragraph shall include— 
(i) an assessment of the needs for 
medical supplies or equipment necessary to 
address the needs of the population of the 
United States infected by the virus SARS– 
CoV–2 that causes COVID–19 and to pre-
vent an increase in the incidence of 
COVID–19 throughout the United States, 
including diagnostic tests, serological tests, 
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medicines that have been approved by the 
Food and Drug Administration to treat 
COVID–19, and ventilators and medicines 
needed to employ ventilators; 
(ii) based on meaningful consultations 
with relevant stakeholders, an identifica-
tion of the target rate of diagnostic testing 
for each State and an assessment of the 
need for personal protective equipment and 
other supplies (including diagnostic tests) 
required by— 
(I) health professionals, health 
workers, and hospital staff including 
supplies needed for worst case sce-
narios for surges of COVID–19 infec-
tions and hospitalizations; 
(II) workers in industries and 
sectors described in the ‘‘Advisory 
Memorandum on Identification of Es-
sential Critical Infrastructure Work-
ers during the COVID–19 Response’’ 
issued by the Director of Cybersecu-
rity and Infrastructure Security Agen-
cy of the Department of Homeland 
Security on April 17, 2020 (and any 
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expansion of industries and sectors in-
cluded in updates to such advisory 
memorandum); 
(III) students, teachers, and ad-
ministrators at primary and secondary 
schools; and 
(IV) other workers determined to 
be essential based on such consulta-
tion; 
(iii) an assessment of the quantities of 
equipment and supplies in the Strategic 
National Stockpile (established under sec-
tion 319F–2 of the Public Health Service 
Act ((42 U.S.C. 247d–6b(a)(1))) as of the 
date of the report, and the projected gap 
between the quantities of equipment and 
supplies identified as needed in the assess-
ment under clauses (i) and (ii) and the 
quantities in the Strategic National Stock-
pile; 
(iv) an identification of the industry 
sectors and manufacturers most ready to 
fulfill purchase orders for such equipment 
and supplies (including manufacturers that 
may be incentivized) through the exercise 
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of authority under section 303(e) of the 
Defense Production Act of 1950 (50 
U.S.C. 4533(e)) to modify, expand, or im-
prove production processes to manufacture 
such equipment and supplies to respond 
immediately to a need identified in clause 
(i) or (ii); 
(v) an identification of Government- 
owned and privately-owned stockpiles of 
such equipment and supplies not included 
in the Strategic National Stockpile that 
could be repaired or refurbished; 
(vi) an identification of previously dis-
tributed critical supplies that can be redis-
tributed based on current need; 
(vii) a description of any exercise of 
the authorities described under paragraph 
(1)(E) or (2)(A) of subsection (a); and 
(viii) an identification of critical areas 
of need, by county and by areas identified 
by the Indian Health Service, in the 
United States and the metrics and criteria 
for identification as a critical area. 
(C) PLAN.—The report required by this 
paragraph shall include a plan for meeting the 
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immediate needs to combat the COVID–19 pan-
demic, including the needs described in sub-
paragraph (B). Such plan shall include— 
(i) each contract the Federal Govern-
ment has entered into to meet such needs, 
including the purpose of each contract, the 
type and amount of equipment, supplies, or 
services to be provided under the contract, 
the entity performing such contract, and 
the dollar amount of each contract; 
(ii) each contract that the Federal 
Government intends to enter into within 
14 days after submission of such report, 
including the information described in sub-
paragraph (B) for each such contract; and 
(iii) whether any of the contracts de-
scribed in clause (i) or (ii) have or will 
have a priority rating under the Defense 
Production Act of 1950 (50 U.S.C. 4501 
et seq.), including purchase orders pursu-
ant to Department of Defense Directive 
4400.1 (or any successor directive), sub-
part A of part 101 of title 45, Code of 
Federal Regulations, or any other applica-
ble authority. 
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(D) ADDITIONAL
REQUIREMENTS.—The 
report required by this paragraph, and each up-
date required by subparagraph (E), shall in-
clude— 
(i) any requests for equipment and 
supplies from State or local governments 
and Indian Tribes, and an accompanying 
list of the employers and unions consulted 
in developing these requests; 
(ii) any modeling or formulas used to 
determine allocation of equipment and sup-
plies, and any related chain of command 
issues on making final decisions on alloca-
tions; 
(iii) the amount and destination of 
equipment and supplies delivered; 
(iv) an explanation of why any portion 
of any contract described under subpara-
graph (C), whether to replenish the Stra-
tegic National Stockpile or otherwise, will 
not be filled; 
(v) of products procured under such 
contract, the percentage of such products 
that are used to replenish the Strategic 
National Stockpile, that are targeted to 
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COVID–19 hotspots, and that are used for 
the commercial market; 
(vi) a description of the range of 
prices for goods described in subsection 
(a), or other medical supplies and equip-
ment that are subject to shortages, pur-
chased by the United States Government, 
transported by the Government, or other-
wise known to the Government, which shall 
also identify all such prices that exceed the 
prevailing market prices of such goods 
prior to March 1, 2020, and any actions 
taken by the Government under section 
102 of the Defense Production Act of 1950 
or similar provisions of law to prevent 
hoarding of such materials and charging of 
such increased prices between March 1, 
2020, and the date of the submission of 
the first report required by this paragraph, 
and, for all subsequent reports, within each 
reporting period; 
(vii) metrics, formulas, and criteria 
used to determine COVID–19 hotspots or 
areas of critical need for a State, county, 
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or an area identified by the Indian Health 
Service; 
(viii) production and procurement 
benchmarks, where practicable; and 
(ix) results of the consultation with 
the relevant stakeholders required by sub-
paragraph (B)(ii). 
(E) UPDATES.—The President, in coordi-
nation with the National Response Coordination 
Center of the Federal Emergency Management 
Agency, the Administrator of the Defense Lo-
gistics Agency, the Secretary of Health and 
Human Services, the Secretary of Veterans Af-
fairs, and heads of other Federal agencies (as 
appropriate), shall update such report every 14 
days. 
(F) PUBLIC AVAILABILITY.—The President 
shall make the report required by this para-
graph and each update required by subpara-
graph (E) available to the public, including on 
a Government website. 
(2) RESPONSE TO LONGER-TERM NEEDS.— 
(A) IN GENERAL.—Not later than 14 days 
after the date of enactment of this Act, the 
President, in coordination with the National 
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Response Coordination Center of the Federal 
Emergency Management Agency, the Adminis-
trator of the Defense Logistics Agency, the Sec-
retary of Health and Human Services, the Sec-
retary of Veterans Affairs, and heads of other 
Federal agencies (as appropriate), shall submit 
to the appropriate congressional committees a 
report containing an assessment of the needs 
described in subparagraph (B) to combat the 
COVID–19 pandemic and the plan for meeting 
such needs during the 6-month period begin-
ning on the date of submission of the report. 
(B) ASSESSMENT.—The report required by 
this paragraph shall include— 
(i) an assessment of the elements de-
scribe in clauses (i) through (v) and clause 
(viii) of paragraph (1)(B); 
(ii) an assessment of needs related to 
COVID–19 vaccines; 
(iii) an assessment of the manner in 
which the Defense Production Act of 1950 
could be exercised to increase services re-
lated to health surveillance to ensure that 
the appropriate level of contact tracing re-
lated to detected infections is available 
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throughout the United States to prevent 
future outbreaks of COVID–19 infections; 
and 
(iv) an assessment of any additional 
services needed to address the COVID–19 
pandemic. 
(C) PLAN.—The report required by this 
paragraph shall include a plan for meeting the 
longer-term needs to combat the COVID–19 
pandemic, including the needs described in sub-
paragraph (B). This plan shall include— 
(i) a plan to exercise authorities under 
the Defense Production Act of 1950 (50 
U.S.C. 4501 et seq.) necessary to increase 
the production of the medical equipment, 
supplies, and services that are essential to 
meeting the needs identified in subpara-
graph (B), including the number of N–95 
respirator masks and other personal pro-
tective equipment needed, based on mean-
ingful consultations with relevant stake-
holders, by the private sector to resume 
economic activity and by the public and 
nonprofit sectors to significantly increase 
their activities; 
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(ii) results of the consultations with 
the relevant stakeholders required by 
clause (i); 
(iii) an estimate of the funding and 
other measures necessary to rapidly ex-
pand manufacturing production capacity 
for such equipment and supplies, includ-
ing— 
(I) any efforts to expand, retool, 
or reconfigure production lines; 
(II) any efforts to establish new 
production lines through the purchase 
and installation of new equipment; or 
(III) the issuance of additional 
contracts, purchase orders, purchase 
guarantees, or other similar measures; 
(iv) each contract the Federal Govern-
ment has entered into to meet such needs 
or expand such production, the purpose of 
each contract, the type and amount of 
equipment, supplies, or services to be pro-
vided under the contract, the entity per-
forming such contract, and the dollar 
amount of each contract; 
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(v) each contract that the Federal 
Government intends to enter into within 
14 days after submission of such report, 
including the information described in 
clause (iv) for each such contract; 
(vi) whether any of the contracts de-
scribed in clause (iv) or (v) have or will 
have a priority rating under the Defense 
Production Act of 1950 (50 U.S.C. 4501 
et seq.), including purchase orders pursu-
ant to Department of Defense Directive 
4400.1 (or any successor directive), sub-
part A of part 101 of title 45, Code of 
Federal Regulations, or any other applica-
ble authority; and 
(vii) the manner in which the Defense 
Production Act of 1950 (50 U.S.C. 4501 
et seq.) could be used to increase services 
necessary to combat the COVID–19 pan-
demic, including services described in sub-
paragraph (B)(ii). 
(D) UPDATES.—The President, in coordi-
nation with the National Response Coordination 
Center of the Federal Emergency Management 
Agency, the Administrator of the Defense Lo-
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gistics Agency, the Secretary of Health and 
Human Services, the Secretary of Veterans Af-
fairs, and heads of other Federal agencies (as 
appropriate), shall update such report every 14 
days. 
(E) PUBLIC
AVAILABILITY.—The Presi-
dent shall make the report required by this sub-
section and each update required by subpara-
graph (D) available to the public, including on 
a Government website. 
(3) REPORT
ON
EXERCISING
AUTHORITIES 
UNDER THE DEFENSE PRODUCTION ACT OF 1950.— 
(A) IN GENERAL.—Not later than 14 days 
after the date of the enactment of this Act, the 
President, in consultation with the Adminis-
trator of the Federal Emergency Management 
Agency, the Secretary of Defense, and the Sec-
retary of Health and Human Services, shall 
submit to the appropriate congressional com-
mittees a report on the exercise of authorities 
under titles I, III, and VII of the Defense Pro-
duction Act of 1950 (50 U.S.C. 4501 et seq.) 
prior to the date of such report. 
(B) 
CONTENTS.—The 
report 
required 
under subparagraph (A) and each update re-
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quired under subparagraph (C) shall include, 
with respect to each exercise of such author-
ity— 
(i) an explanation of the purpose of 
the applicable contract, purchase order, or 
other exercise of authority (including an 
allocation of materials, services, and facili-
ties under section 101(a)(2) of the Defense 
Production Act of 1950 (50 U.S.C. 
4511(a)(2)); 
(ii) the cost of such exercise of au-
thority; and 
(iii) if applicable— 
(I) the amount of goods that 
were purchased or allocated; 
(II) an identification of the entity 
awarded a contract or purchase order 
or that was the subject of the exercise 
of authority; and 
(III) an identification of any en-
tity that had shipments delayed by the 
exercise of any authority under the 
Defense Production Act of 1950 (50 
U.S.C. 4501 et seq.). 
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(C) UPDATES.—The President shall up-
date the report required under subparagraph 
(A) every 14 days. 
(D) PUBLIC
AVAILABILITY.—The Presi-
dent shall make the report required by this sub-
section and each update required by subpara-
graph (C) available to the public, including on 
a Government website. 
(4) QUARTERLY
REPORTING.—The President 
shall submit to Congress, and make available to the 
public (including on a Government website), a quar-
terly report detailing all expenditures made pursuant 
to titles I, III, and VII of the Defense Production 
Act of 1950 50 U.S.C. 4501 et seq.). 
(5) EXERCISE OF LOAN AUTHORITIES.— 
(A) IN GENERAL.—Any loan made pursu-
ant to section 302 or 303 of the Defense Pro-
duction Act of 1950, carried out by the Inter-
national Development Finance Corporation pur-
suant to the authorities delegated by Executive 
Order 13922, shall be subject to the notification 
requirements contained in section 1446 of the 
BUILD Act of 2018 (22 U.S.C. 9656). 
(B) APPROPRIATE
CONGRESSIONAL
COM-
MITTEES.—For purposes of the notifications re-
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quired by subparagraph (A), the term ‘‘appro-
priate congressional committees’’, as used sec-
tion 1446 of the BUILD Act of 2018, shall be 
deemed to include the Committee on Financial 
Services of the House of Representatives and 
the Committee on Banking, Housing and 
Urban Development of the Senate. 
(6) SUNSET.—The requirements of this sub-
section shall terminate on the later of— 
(A) December 31, 2021; or 
(B) the end of the COVID–19 emergency 
period. 
(e) ENHANCEMENTS TO THE DEFENSE PRODUCTION 
ACT OF 1950.— 
(1) HEALTH EMERGENCY AUTHORITY.—Section 
107 of the Defense Production Act of 1950 (50 
U.S.C. 4517) is amended by adding at the end the 
following: 
‘‘(c) HEALTH EMERGENCY AUTHORITY.—With re-
spect to a public health emergency declaration by the Sec-
retary of Health and Human Services under section 319 
of the Public Health Service Act, or preparations for such 
a health emergency, the Secretary of Health and Human 
Services and the Administrator of the Federal Emergency 
Management Agency are authorized to carry out the au-
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thorities provided under this section to the same extent 
as the President.’’. 
(2) EMPHASIS ON BUSINESS CONCERNS OWNED 
BY
WOMEN, MINORITIES, VETERANS, AND
NATIVE 
AMERICANS.—Section 108 of the Defense Produc-
tion Act of 1950 (50 U.S.C. 4518) is amended— 
(A) in the heading, by striking ‘‘MOD-
ERNIZATION
OF
SMALL
BUSINESS
SUP-
PLIERS’’ and inserting ‘‘SMALL
BUSINESS 
PARTICIPATION AND FAIR INCLUSION’’; 
(B) by amending subsection (a) to read as 
follows: 
‘‘(a) PARTICIPATION AND INCLUSION.— 
‘‘(1) IN GENERAL.—In providing any assistance 
under this Act, the President shall accord a strong 
preference for subcontractors and suppliers that 
are— 
‘‘(A) small business concerns; or 
‘‘(B) businesses of any size owned by 
women, minorities, veterans, and the disabled. 
‘‘(2) SPECIAL CONSIDERATION.—To the max-
imum extent practicable, the President shall accord 
the preference described under paragraph (1) to 
small business concerns and businesses described in 
paragraph (1)(B) that are located in areas of high 
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unemployment or areas that have demonstrated a 
continuing pattern of economic decline, as identified 
by the Secretary of Labor.’’; and 
(C) by adding at the end the following: 
‘‘(c) MINORITY DEFINED.—In this section, the term 
‘minority’— 
‘‘(1) has the meaning given the term in section 
308(b) of the Financial Institutions Reform, Recov-
ery, and Enforcement Act of 1989; and 
‘‘(2) includes any indigenous person in the 
United States, including any territories of the 
United States.’’. 
(3) ADDITIONAL INFORMATION IN ANNUAL RE-
PORT.—Section 304(f)(3) of the Defense Production 
Act of 1950 (50 U.S.C. 4534(f)(3)) is amended by 
striking ‘‘year.’’ and inserting ‘‘year, including the 
percentage of contracts awarded using Fund 
amounts to each of the groups described in section 
108(a)(1)(B) (and, with respect to minorities, 
disaggregated by ethnic group), and the percentage 
of the total amount expended during such fiscal year 
on such contracts.’’. 
(4) DEFINITION OF NATIONAL DEFENSE.—Sec-
tion 702(14) of the Defense Production Act of 1950 
is amended by striking ‘‘and critical infrastructure 
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protection and restoration’’ and inserting ‘‘, critical 
infrastructure protection and restoration, and health 
emergency preparedness and response activities’’. 
(f) SECURING ESSENTIAL MEDICAL MATERIALS.— 
(1) STATEMENT OF POLICY.—Section 2(b) of 
the Defense Production Act of 1950 (50 U.S.C. 
4502) is amended— 
(A) 
by 
redesignating 
paragraphs 
(3) 
through (8) as paragraphs (4) through (9), re-
spectively; and 
(B) by inserting after paragraph (2) the 
following: 
‘‘(3) authorities under this Act should be used 
when appropriate to ensure the availability of med-
ical materials essential to national defense, including 
through measures designed to secure the drug sup-
ply chain, and taking into consideration the impor-
tance of United States competitiveness, scientific 
leadership and cooperation, and innovative capac-
ity;’’. 
(2) STRENGTHENING DOMESTIC CAPABILITY.— 
Section 107 of the Defense Production Act of 1950 
(50 U.S.C. 4517) is amended— 
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(A) in subsection (a), by inserting ‘‘(in-
cluding medical materials)’’ after ‘‘materials’’; 
and 
(B) in subsection (b)(1), by inserting ‘‘(in-
cluding medical materials such as drugs to di-
agnose, cure, mitigate, treat, or prevent disease 
that essential to national defense)’’ after ‘‘es-
sential materials’’. 
(3) STRATEGY ON SECURING SUPPLY CHAINS 
FOR
MEDICAL
ARTICLES.—Title I of the Defense 
Production Act of 1950 (50 U.S.C. 4511 et seq.) is 
amended by adding at the end the following: 
‘‘SEC. 109. STRATEGY ON SECURING SUPPLY CHAINS FOR 
MEDICAL MATERIALS. 
‘‘(a) IN GENERAL.—Not later than 180 days after 
the date of the enactment of this section, the President, 
in consultation with the Secretary of Health and Human 
Services, the Secretary of Commerce, the Secretary of 
Homeland Security, and the Secretary of Defense, shall 
transmit a strategy to the appropriate Members of Con-
gress that includes the following: 
‘‘(1) A detailed plan to use the authorities 
under this title and title III, or any other provision 
of law, to ensure the supply of medical materials (in-
cluding drugs to diagnose, cure, mitigate, treat, or 
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prevent disease) essential to national defense, to the 
extent necessary for the purposes of this Act. 
‘‘(2) An analysis of vulnerabilities to existing 
supply chains for such medical articles, and rec-
ommendations to address the vulnerabilities. 
‘‘(3) Measures to be undertaken by the Presi-
dent to diversify such supply chains, as appropriate 
and as required for national defense; and 
‘‘(4) A discussion of— 
‘‘(A) any significant effects resulting from 
the plan and measures described in this sub-
section on the production, cost, or distribution 
of vaccines or any other drugs (as defined 
under section 201 of the Federal Food, Drug, 
and Cosmetic Act (21 U.S.C. 321)); 
‘‘(B) a timeline to ensure that essential 
components of the supply chain for medical ma-
terials are not under the exclusive control of a 
foreign government in a manner that the Presi-
dent determines could threaten the national de-
fense of the United States; and 
‘‘(C) efforts to mitigate any risks resulting 
from the plan and measures described in this 
subsection to United States competitiveness, 
scientific leadership, and innovative capacity, 
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including efforts to cooperate and proactively 
engage with United States allies. 
‘‘(b) PROGRESS REPORT.—Following submission of 
the strategy under subsection (a), the President shall sub-
mit to the appropriate Members of Congress an annual 
progress report evaluating the implementation of the 
strategy, and may include updates to the strategy as ap-
propriate. The strategy and progress reports shall be sub-
mitted in unclassified form but may contain a classified 
annex. 
‘‘(c) APPROPRIATE MEMBERS OF CONGRESS.—The 
term ‘appropriate Members of Congress’ means the 
Speaker, majority leader, and minority leader of the 
House of Representatives, the majority leader and minor-
ity leader of the Senate, the Chairman and Ranking Mem-
ber of the Committees on Armed Services and Financial 
Services of the House of Representatives, and the Chair-
man and Ranking Member of the Committees on Armed 
Services and Banking, Housing, and Urban Affairs of the 
Senate.’’. 
(g) GAO REPORT.— 
(1) IN
GENERAL.—Not later than 270 days 
after the date of the enactment of this Act, and an-
nually thereafter, the Comptroller General of the 
United States shall submit to the appropriate con-
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gressional committees a report on ensuring that the 
United States Government has access to the medical 
supplies and equipment necessary to respond to fu-
ture pandemics and public health emergencies, in-
cluding recommendations with respect to how to en-
sure that the United States supply chain for diag-
nostic tests (including serological tests), personal 
protective equipment, vaccines, and therapies is bet-
ter equipped to respond to emergencies, including 
through the use of funds in the Defense Production 
Act Fund under section 304 of the Defense Produc-
tion Act of 1950 (50 U.S.C. 4534) to address short-
ages in that supply chain. 
(2) REVIEW OF ASSESSMENT AND PLAN.— 
(A) IN GENERAL.—Not later than 30 days 
after each of the submission of the reports de-
scribed in paragraphs (1) and (2) of subsection 
(d), the Comptroller General of the United 
States shall submit to the appropriate congres-
sional committees an assessment of such re-
ports, including identifying any gaps and pro-
viding any recommendations regarding the sub-
ject matter in such reports. 
(B) MONTHLY REVIEW.—Not later than a 
month after the submission of the assessment 
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under subparagraph (A), and monthly there-
after, the Comptroller General shall issue a re-
port to the appropriate congressional commit-
tees with respect to any updates to the reports 
described in paragraph (1) and (2) of sub-
section (d) that were issued during the previous 
1-month period, containing an assessment of 
such updates, including identifying any gaps 
and providing any recommendations regarding 
the subject matter in such updates. 
(h) DEFINITIONS.—In this section: 
(1) APPROPRIATE
CONGRESSIONAL
COMMIT-
TEES.—The term ‘‘appropriate congressional com-
mittees’’ means the Committees on Appropriations, 
Armed Services, Energy and Commerce, Financial 
Services, Homeland Security, and Veterans’ Affairs 
of the House of Representatives and the Committees 
on Appropriations, Armed Services, Banking, Hous-
ing, and Urban Affairs, Health, Education, Labor, 
and Pensions, Homeland Security and Governmental 
Affairs, and Veterans’ Affairs of the Senate. 
(2) COVID–19 
EMERGENCY
PERIOD.—The 
term ‘‘COVID–19 emergency period’’ means the pe-
riod beginning on the date of enactment of this Act 
and ending after the end of the incident period for 
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the emergency declared on March 13, 2020, by the 
President under Section 501 of the Robert T. Staf-
ford Disaster Relief and Emergency Assistance Act 
(42 U.S.C. 4121 et seq.) relating to the Coronavirus 
Disease 2019 (COVID–19) pandemic. 
(3) RELEVANT STAKEHOLDER.—The term ‘‘rel-
evant stakeholder’’ means— 
(A) representative private sector entities; 
(B) representatives of the nonprofit sector; 
(C) representatives of primary and sec-
ondary school systems; and 
(D) representatives of labor organizations 
representing workers, including unions that rep-
resent health workers, manufacturers, teachers, 
other public sector employees, and service sec-
tor workers. 
(4) STATE.—The term ‘‘State’’ means each of 
the several States, the District of Columbia, the 
Commonwealth of Puerto Rico, and any territory or 
possession of the United States. 
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TITLE 
II—PROTECTING 
RENT-
ERS 
AND 
HOMEOWNERS 
FROM EVICTIONS AND FORE-
CLOSURES 
SEC. 201. EMERGENCY RENTAL ASSISTANCE AND RENTAL 
MARKET STABILIZATION. 
(a) DEFINITIONS.—In this section: 
(1) INDIAN TRIBE.—The term ‘‘Indian tribe’’ 
has the meaning given the such term in section 4 of 
the Native American Housing Assistance and Self- 
Determination Act of 1996 (25 U.S.C. 4103). 
(2) PUBLIC
HOUSING
AGENCY.—The term 
‘‘public housing agency’’ has the meaning given such 
term in section 3(b) of the United States Housing 
Act of 1937 (42 U.S.C. 1437a(b)). 
(3) SECRETARY
.—The term ‘‘Secretary’’ 
means the Secretary of Housing and Urban Develop-
ment. 
(4) TRIBALLY
DESIGNATED
HOUSING
ENTI-
TY.—The term ‘‘tribally designated housing entity’’ 
has the meaning given such term in section 4 of the 
Native American Housing Assistance and Self-De-
termination Act of 1996 (25 U.S.C. 4103). 
(b) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized 
to 
be 
appropriated 
to 
the 
Secretary 
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$50,000,000,000 for an additional amount for grants 
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.), to remain available 
until expended (subject to subsection (e) of this section), 
to be used for providing short- or medium-term assistance 
with rent and rent-related costs (including tenant-paid 
utility costs, utility- and rent-arrears, fees charged for 
those arrears, and security and utility deposits) in accord-
ance with paragraphs (4) and (5) of section 415(a) of such 
Act (42 U.S.C. 11374(a)) and this section. 
(c) DEFINITION OF AT RISK OF HOMELESSNESS.— 
Notwithstanding section 401(1) of the McKinney-Vento 
Homeless Assistance Act (42 U.S.C. 11360(1)), for pur-
poses of assistance made available with amounts made 
available pursuant to subsection (b), the term ‘‘at risk of 
homelessness’’ means, with respect to an individual or 
family, that the individual or family— 
(1) except as provided in subsection (d)(1)(C), 
has an income below 80 percent of the median in-
come for the area as determined by the Secretary; 
and 
(2) has an inability to attain or maintain hous-
ing stability or has insufficient resources to pay for 
rent or utilities. 
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(d) INCOME TARGETING AND CALCULATION.—For 
purposes of assistance made available with amounts made 
available pursuant to subsection (b)— 
(1) each recipient of such amounts shall use— 
(A) not less than 40 percent of the 
amounts received only for providing assistance 
to individuals or families experiencing homeless-
ness, or for persons or families at risk of home-
lessness who have incomes not exceeding 30 
percent of the median income for the area as 
determined by the Secretary; 
(B) not less than 70 percent of the 
amounts received only for providing assistance 
to individuals or families experiencing homeless-
ness, or for persons or families at risk of home-
lessness who have incomes not exceeding 50 
percent of the median income for the area as 
determined by the Secretary; and 
(C) the remainder of the amounts received 
only for providing assistance to individuals or 
families experiencing homelessness, or for per-
sons or families at risk of homelessness who 
have incomes not exceeding 80 percent of the 
median income for the area as determined by 
the Secretary, except that the recipient may es-
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tablish a higher percentage limit for purposes of 
subsection (c)(1), which shall not in any case 
exceed 120 percent of the area median income, 
provided that the recipient— 
(i) proposes to permit such assistance 
to individuals and households in its plan to 
carry out activities under this section; and 
(ii) solicits public comment on the 
proposal; and 
(2) in determining the income of a household 
for homelessness prevention assistance— 
(A) the calculation of income performed at 
the time of application for the assistance, in-
cluding arrearages, shall consider only income 
that the household is receiving at the time of 
the application, and any income recently termi-
nated shall not be included; 
(B) any subsequent calculation of income 
performed with respect to households receiving 
ongoing assistance shall consider only the in-
come that the household is receiving at the time 
of the review; and 
(C) the calculation of income performed 
with respect to households receiving assistance 
for arrearages shall consider only the income 
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that the household was receiving at the time the 
arrearages were incurred. 
(e) 3-YEAR AVAILABILITY.— 
(1) IN GENERAL.—Each recipient of amounts 
made available pursuant to subsection (b) shall— 
(A) expend not less than 60 percent of the 
grant amounts within 2 years of the date on 
which the funds became available to the recipi-
ent for obligation; and 
(B) expend 100 percent of the grant 
amounts within 3 years of the date on which 
the funds became available to the recipient for 
obligation. 
(2) REALLOCATION AFTER 2 YEARS.— 
(A) IN GENERAL.—The Secretary may re-
capture any amounts not expended in compli-
ance with paragraph (1)(A) and reallocate those 
amounts to recipients in compliance with the 
formula described in subsection (i) and this 
paragraph. 
(B) STATES, METROPOLITAN CITIES, AND 
URBAN
COUNTIES.—Funds recaptured under 
subparagraph (A) with respect to a recipient 
described in subsection (i)(1)(B) shall be reallo-
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cated to other participating recipients of funds 
described in subsection (i)(1)(B). 
(C) 
INDIAN
TRIBES, 
TRIBALLY
DES-
IGNATED
HOUSING
ENTITIES, AND
DEPART-
MENT OF HAWAIIAN HOME LANDS.—Funds re-
captured under subparagraph (A) with respect 
to 
a 
recipient 
described 
in 
subsection 
(i)(1)(A)(i)(I) shall be reallocated to other par-
ticipating recipients of funds described in sub-
section (i)(1)(A)(i)(I). 
(D) INSULAR
AREAS.—Funds recaptured 
under subparagraph (A) with respect to a re-
cipient described in subsection (i)(1)(A)(i)(II) 
shall be reallocated to other participating recipi-
ents 
of 
funds 
described 
in 
subsection 
(i)(1)(A)(i)(II). 
(f) RENT RESTRICTIONS.— 
(1) INAPPLICABILITY.—Section 576.106(d) of 
title 24, Code of Federal Regulations, or any suc-
cessor regulation, shall not apply with respect to 
homelessness prevention assistance made available 
with amounts made available pursuant to subsection 
(b). 
(2) AMOUNT OF RENTAL ASSISTANCE.—In pro-
viding homelessness prevention assistance with 
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amounts made available pursuant to subsection (b), 
the maximum amount of rental assistance that may 
be provided shall be the greater of— 
(A) 120 percent of the higher of— 
(i) the fair market rent established by 
the Secretary for the metropolitan area or 
county; or 
(ii) the applicable small area fair mar-
ket rent established by the Secretary; or 
(iii) such higher amount as the Sec-
retary shall determine is needed to cover 
market rents in the area. 
(g) SUBLEASES.—A recipient of amounts made avail-
able pursuant to subsection (b) shall not be prohibited 
from providing assistance authorized under subsection (b) 
with respect to subleases that are valid under State law. 
(h) UTILITY
PAYMENT
AND
RENTAL
ARREAR-
AGES.—In providing assistance with amounts made avail-
able pursuant to subsection (b) of this section— 
(1) sections 576.105(a)(5) and 576.106(a)(3) 
of title 24, Code of Federal Regulations, shall each 
be applied by substituting ‘‘12 months’’ for ‘‘6 
months’’; and 
(2) notwithstanding section 576.106(g) of title 
24, Code of Federal Regulations, where such assist-
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ance is solely with respect to rental arrears, the re-
cipient shall not be required to provide a written 
lease or evidence of an oral agreement. 
(i) ALLOCATION OF ASSISTANCE.— 
(1) IN GENERAL.—In allocating amounts made 
available pursuant to subsection (b), the Secretary 
shall— 
(A)(i) for any purpose authorized in this 
section— 
(I) allocate 2 percent of such amount 
for Indian tribes and tribally designated 
housing entities under the formula estab-
lished under section 302 of the Native 
American Housing Assistance and Self-De-
termination Act of 1996 (25 U.S.C. 4152), 
except that 0.3 percent of the amount allo-
cated under this subclause shall be allo-
cated for the Department of Hawaiian 
Home Lands; and 
(II) allocate 0.3 percent of such 
amount for the Virgin Islands, Guam, 
American Samoa, and the Northern Mar-
iana Islands; and 
(ii) not later than 30 days after the date 
of enactment of this Act, obligate and disburse 
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the amounts allocated under clause (i) in ac-
cordance with those allocations and provide the 
recipients with any necessary guidance for use 
of the funds; and 
(B)(i) not later than 7 days after the date 
of enactment of this Act and after setting aside 
amounts under subparagraph (A)— 
(I) allocate 50 percent of any such re-
maining amounts under the formula speci-
fied in subsections (a), (b), and (e) of sec-
tion 414 of the McKinney-Vento Homeless 
Assistance Act (42 U.S.C. 11373) for each 
State, metropolitan city, and urban county 
that is to receive a direct grant of such 
amounts; 
(II) allocate 50 percent of any such 
remaining amounts through the formula 
used by the Secretary to distribute the sec-
ond allocation of grants in accordance with 
the formula described in the matter under 
the heading ‘‘Department of Housing and 
Urban Development—Community Plan-
ning and Development—Homeless Assist-
ance Grants’’ in title XII of division B of 
the CARES Act (Public Law 116–136) for 
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each State, metropolitan city, and urban 
county that is to receive a direct grant of 
such amounts; and 
(III) notify each direct grantee of the 
total amount to be allocated under this 
clause; and 
(ii) not later than 30 days after the date 
of enactment of this Act, obligate and disburse 
the amounts allocated under clause (i) in ac-
cordance with those allocations and provide the 
recipient with any necessary guidance for use of 
the funds. 
(2) ALLOCATIONS TO STATES.— 
(A) IN
GENERAL.—Notwithstanding sec-
tion 414(a) of the McKinney-Vento Homeless 
Assistance Act (42 U.S.C. 11373(a)) and sec-
tion 576.202(a) of title 24, Code of Federal 
Regulations, or any successor regulation, a 
State recipient of an allocation under this sec-
tion may elect to use up to 100 percent of its 
allocation to carry out activities eligible under 
this section directly. 
(B) REQUIREMENT.—Any State recipient 
making an election described in subparagraph 
(A) shall serve households throughout the entire 
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State, including households in rural commu-
nities and small towns. 
(3) ELECTION NOT TO ADMINISTER.— 
(A) METROPOLITAN
CITIES
AND
URBAN 
COUNTIES.—If a recipient under paragraph 
(1)(B) other than a State elects not to receive 
funds under this section, such funds shall be al-
located to the State recipient in which the re-
cipient is located. 
(B) 
INDIAN
TRIBES, 
TRIBALLY
DES-
IGNATED
HOUSING
ENTITIES, AND
DEPART-
MENT OF HAWAIIAN HOMELANDS.—If a recipi-
ent under paragraph (1)(A)(i)(I) elects not to 
receive funds under this section, such funds 
shall be allocated to other participating recipi-
ents of funds under paragraph (1)(A)(i)(I). 
(C) INSULAR AREAS.—If a recipient under 
paragraph (1)(A)(i)(II) elects not to receive 
funds under this section, such funds shall be al-
located to other participating recipients of 
funds under paragraph (1)(A)(i)(II). 
(D) PARTNERSHIPS, 
SUBGRANTS, 
AND 
CONTRACTS.—A recipient of a grant under this 
section may distribute funds through partner-
ships, subgrants, or contracts with an entity, 
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such as a public housing agency, that is capable 
of carrying out activities under this section. 
(j) INAPPLICABILITY
OF
MATCHING
REQUIRE-
MENT.—Section 416(a) of the McKinney-Vento Homeless 
Assistance Act (42 U.S.C. 11375(a)) shall not apply to 
any amounts made available pursuant to subsection (b) 
of this section. 
(k) REIMBURSEMENT OF ELIGIBLE ACTIVITIES.— 
Amounts made available pursuant to subsection (b) may 
be used by a recipient to reimburse expenditures incurred 
for eligible activities under this section carried out after 
the date of enactment of this Act. 
(l) PROHIBITION ON PREREQUISITES.—None of the 
funds made available under this section may be used to 
require any individual or household receiving assistance 
under this section to receive treatment or perform any 
other prerequisite activities as a condition for receiving 
such assistance. 
(m) WAIVERS AND ALTERNATIVE REQUIREMENTS.— 
(1) IN GENERAL.— 
(A) AUTHORITY.—In administering the 
amounts made available pursuant to subsection 
(b), the Secretary may waive, or specify alter-
native requirements for, any provision of any 
statute or regulation that the Secretary admin-
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isters in connection with the obligation by the 
Secretary or the use by the recipient of such 
amounts (except for requirements related to fair 
housing, nondiscrimination, labor standards, 
prohibition on prerequisites, minimum data re-
porting, and the environment), if the Secretary 
finds that good cause exists for the waiver or 
alternative requirement and such waiver or al-
ternative requirement is necessary to expedite 
the use of funds made available pursuant to 
this section, to respond to public health orders 
or conditions related to the COVID–19 emer-
gency, or to ensure that eligible individuals can 
attain or maintain housing stability. 
(B) PUBLIC NOTICE.—The Secretary shall 
notify the public through the Federal Register 
or other appropriate means of any waiver or al-
ternative requirement under this paragraph, 
and that such public notice shall be provided, at 
a minimum, on the internet at the appropriate 
Government website or through other electronic 
media, as determined by the Secretary. 
(C) ELIGIBILITY
REQUIREMENTS.—Eligi-
bility for rental assistance or housing relocation 
and stabilization services shall not be restricted 
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based upon the prior receipt of assistance under 
the program during the preceding three years. 
(D) INSPECTIONS OF CURRENT HOUSING 
UNITS.—A recipient of funds made available 
pursuant to subsection (b) may elect not to con-
duct inspections for minimum habitability 
standards described in section 576.403 of title 
24, Code of Federal Regulations, or any suc-
cessor regulation, for any assistance under this 
section that is provided on behalf of an indi-
vidual or household who will continue to reside 
in the same housing unit in which they resided 
immediately before receiving the assistance. 
(2) PUBLIC HEARINGS.— 
(A) INAPPLICABILITY OF IN-PERSON HEAR-
ING
REQUIREMENTS
DURING
THE
COVID–19 
EMERGENCY.— 
(i) IN GENERAL.—A recipient under 
this section shall not be required to hold 
in-person public hearings in connection 
with its citizen participation plan, but shall 
provide citizens with notice, including pub-
lication of its plan for carrying out this 
section on the internet, and a reasonable 
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opportunity to comment of not less than 5 
days. 
(ii) 
RESUMPTION
OF
IN-PERSON 
HEARING
REQUIREMENTS.—After the pe-
riod beginning on the date of enactment of 
this Act and ending on the date of the ter-
mination by the Federal Emergency Man-
agement Agency of the emergency declared 
on March 13, 2020, by the President 
under the Robert T. Stafford Disaster Re-
lief and Emergency Assistance Act (42 
U.S.C. 4121 et seq.) relating to the 
Coronavirus Disease 2019 (COVID–19) 
pandemic, and after the period described 
in subparagraph (B)(i), the Secretary shall 
direct recipients under this section to re-
sume pre-crisis public hearing require-
ments. 
(B) VIRTUAL PUBLIC HEARINGS.— 
(i) IN GENERAL.—During the period 
that national or local health authorities 
recommend social distancing and limiting 
public gatherings for public health reasons, 
a recipient may fulfill applicable public 
hearing requirements for all grants from 
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funds made available pursuant to this sec-
tion by carrying out virtual public hear-
ings. 
(ii) 
REQUIREMENTS.—Any 
virtual 
hearings held under clause (i) by a recipi-
ent under this section shall provide reason-
able notification and access for citizens in 
accordance with the recipient’s certifi-
cations, timely responses from local offi-
cials to all citizen questions and issues, 
and public access to all questions and re-
sponses. 
(n) CONSULTATION.—In addition to any other citizen 
participation and consultation requirements, in developing 
and implementing a plan to carry out this section, each 
recipient of funds made available pursuant to this section 
shall consult with— 
(1) the applicable Continuum or Continuums of 
Care for the area served by the recipient; 
(2) 
organizations 
representing 
underserved 
communities and populations; and 
(3) organizations with expertise in affordable 
housing, fair housing, and services for people with 
disabilities. 
(o) ADMINISTRATION.— 
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(1) BY
SECRETARY.—Of any amounts made 
available pursuant to subsection (b)— 
(A) not more than the lesser of 0.5 per-
cent, or $15,000,000, may be used by the Sec-
retary for staffing, training, technical assist-
ance, technology, monitoring, research, and 
evaluation activities necessary to carry out the 
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 
of the Department of Housing and Urban De-
velopment for audits and investigations of the 
program authorized under this section. 
(2) BY RECIPIENTS.—Notwithstanding section 
576.108 of title 24 of the Code of Federal Regula-
tions, or any successor regulation, with respect to 
amounts made available pursuant to subsection (b), 
a recipient may use up to 10 percent of funds re-
ceived for payment of administrative costs related to 
the planning and execution of eligible activities car-
ried out under this section. 
SEC. 202. HOMEOWNER ASSISTANCE FUND. 
(a) DEFINITIONS.—In this section: 
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(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, 
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-
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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 
(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 
$80,000,000. 
(4) SET-ASIDE FOR INSULAR AREAS.—Notwith-
standing any other provision of this section, of the 
amounts appropriated under subsection (g), the Sec-
retary shall reserve $65,000,000 to be disbursed to 
Guam, American Samoa, the Virgin Islands, and the 
Northern Mariana Islands based on each such terri-
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tory’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. 
(5) SET-ASIDE FOR INDIAN TRIBES AND NATIVE 
HAWAIIANS.— 
(A) INDIAN TRIBES.—Notwithstanding any 
other provision of this section, of the amounts 
appropriated under subsection (g), the Sec-
retary shall use 5 percent to make grants in ac-
cordance with subsection (f) to eligible recipi-
ents for the purposes described in subsection 
(e)(1). 
(B) NATIVE HAWAIIANS.—Of the funds set 
aside under subparagraph (A), the Secretary 
shall use 0.3 percent to make grants to the De-
partment of Hawaiian Home Lands in accord-
ance with subsection (f) for the purposes de-
scribed 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-
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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. 
(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. 
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(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 
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 
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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 
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; 
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(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, 
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.— 
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(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. 
(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 for which such language assist-
ance is available to the State housing finance 
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agency or entity in and shall provide notice to 
each such applicant that such language assist-
ance 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-
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.— 
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(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) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to the Homeowner Assist-
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ance 
Fund 
established 
under 
subsection 
(b), 
$21,000,000,000, to remain available until expended. 
(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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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. 203. 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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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— 
‘‘(1) make, or cause to be made, any filing with 
the court of jurisdiction to initiate a legal action to 
recover possession of the covered dwelling from the 
tenant for nonpayment of rent or other fees or 
charges; or 
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‘‘(2) charge fees, penalties, or other charges to 
the tenant related to such nonpayment of rent. 
‘‘(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 
‘‘(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.— 
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(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 that 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’— 
‘‘(A) means any credit transaction 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 prop-
erty that includes a 1- to 4-unit dwelling; and 
‘‘(B) does not include a credit transaction 
under an open end credit plan other than a re-
verse 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-
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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 OF COVERED MORTGAGE LOANS 
THAT
ARE
NOT
FEDERALLY-INSURED
REVERSE 
MORTGAGE LOANS.— 
‘‘(A) IN GENERAL.—Notwithstanding any 
other law governing forbearance relief, with re-
spect to any covered mortgage loan that is not 
a federally-insured reverse mortgage loan— 
‘‘(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 
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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-
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 request of the borrower, oral or 
written, submitted to the servicer of the bor-
rower affirming that the borrower is experi-
encing a financial hardship that prevents the 
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borrower from making timely payments on the 
covered mortgage loan due, directly or indi-
rectly, to the COVID–19 emergency. 
‘‘(C) SUBSEQUENT
EXTENSION.—A for-
bearance extended under subparagraph (B) 
shall be further extended by the servicer, for 
the period or periods requested, for a total for-
bearance period of up to 12 months (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 
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.— 
‘‘(i) IN GENERAL.—With respect to a 
forbearance provided under this paragraph, 
the borrower of the covered mortgage loan 
may elect to continue making regular pay-
ments on the covered mortgage loan. 
‘‘(ii) LOSS MITIGATION.—A borrower 
who makes an election described in clause 
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(i) 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 forbear-
ance. 
‘‘(E) RIGHT
TO
SHORTEN
FORBEAR-
ANCE.— 
‘‘(i) IN GENERAL.—At the request of 
a borrower, any period of forbearance pro-
vided to the borrower under this paragraph 
may be shortened. 
‘‘(ii) LOSS MITIGATION.—A borrower 
who makes a request under clause (i) shall 
be offered a loss mitigation option pursu-
ant to subsection (d) within 30 days of re-
suming regular payments to address any 
payment deficiency during the forbearance. 
‘‘(10) AUTOMATIC
EXTENSION
OF
DUE
AND 
PAYABLE STATUS FOR CERTAIN REVERSE MORTGAGE 
LOANS.— 
‘‘(A) IN
GENERAL.—When any covered 
mortgage loan that is also a federally-insured 
reverse mortgage loan, during the covered pe-
riod, is due and payable due to the death of the 
last surviving borrower but the property to 
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which the covered mortgage loan relates is not 
vacant or abandoned, or the covered mortgage 
loan is eligible to be called due and payable due 
to a property charge default, or if the borrower 
defaults on a property charge repayment plan, 
or if the borrower defaults for failure to com-
plete property repairs, or if an obligation of the 
borrower under the Security Instrument is not 
performed, the mortgagee automatically shall be 
granted a 180-day extension of— 
‘‘(i) the mortgagee’s deadline to re-
quest due and payable status from the De-
partment of Housing and Urban Develop-
ment, where applicable; 
‘‘(ii) the mortgagee’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) any deadline relevant to estab-
lishing that a non-borrowing spouse may 
be eligible for a deferral period; 
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‘‘(vi) if applicable, the deadline to ob-
tain the due and payable appraisal; and 
‘‘(vii) any claim submission deadline, 
including the 6-month acquired property 
marketing period. 
‘‘(B) LENGTH OF EXTENSION OF DUE AND 
PAYABLE STATUS.—The mortgagee shall not re-
quest due and payable status from the Sec-
retary of Housing and Urban Development nor 
initiate or continue a foreclosure action during 
this 180-day period described in 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 the period or periods re-
quested, for a total forbearance period of up to 
12 months upon— 
‘‘(i) the request of the borrower, oral 
or written, submitted to the servicer of the 
borrower affirming that the borrower is ex-
periencing a financial hardship that pre-
vents the borrower from making payments 
on property charges, completing property 
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repairs, or performing an obligation of the 
borrower under the Security Instrument 
due, directly or indirectly, to the COVID– 
19 emergency; 
‘‘(ii) the request of a non-borrowing 
spouse, 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) the request of a successor-in-in-
terest of the borrower, oral or written, sub-
mitted to the servicer affirming the dif-
ficulty of the heir in 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 
that is also a federally insured reverse mortgage 
loan is in default during the covered period and 
subject to a prior event which provides for cur-
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tailment of debenture interest in connection 
with a claim for insurance benefits, the curtail-
ment of debenture interest shall be suspended 
during any forbearance period provided here-
in.’’. 
(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 the 6-month period beginning on 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 
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any judicial or non-judicial procedure to repossess or 
otherwise take possession of the property for the 6- 
month period beginning on the date of enactment of 
this paragraph.’’. 
(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 covered mortgage loan, regard-
less of delinquency status, by— 
‘‘(A) submitting a request, orally or in 
writing, to the servicer of the covered mortgage 
loan; and 
‘‘(B) affirming that the borrower is experi-
encing a financial hardship that prevents the 
borrower from making timely payments on the 
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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 
paragraph (1), the forbearance shall be granted 
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 forbear-
ance period of not more than 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. 
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‘‘(C) 
RIGHT
TO
SHORTEN
FORBEAR-
ANCE.— 
‘‘(i) IN GENERAL.—At the request of 
a borrower, any period of forbearance de-
scribed under this paragraph may be 
shortened. 
‘‘(ii) LOSS MITIGATION.—A borrower 
who makes a request under clause (i) shall 
be offered a loss mitigation option pursu-
ant to subsection (d) within 30 days of re-
suming 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 principal and interest pay-
ment of the borrower under such modification re-
mains at or below the contractual principal and in-
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terest payments owed under the terms of the mort-
gage contract before such forbearance period except 
as the result of a change in the index of an adjust-
able rate mortgage, or, in the case of loans insured 
by the Federal Housing Administration, except in a 
modification compliant with applicable Federal 
Housing Administration policies. 
‘‘(4) COMMUNICATION WITH SERVICERS.—Any 
communication between a borrower and a servicer 
described in this section may be made in writing or 
orally, at the election of the borrower. 
‘‘(5) COMMUNICATION WITH BORROWERS WITH 
A DISABILITY.— 
‘‘(A) IN GENERAL.—Upon request from a 
borrower, servicers shall communicate with bor-
rowers who have a disability in the preferred 
method of communication of the borrower. 
‘‘(B) DEFINITION.—In this paragraph, the 
term ‘disability’ has the meaning given the term 
‘handicap’ in section 802 of the Fair Housing 
Act (42 U.S.C. 3602).’’; 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 
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any documentation with respect to a forbearance 
under this section other than the oral or written af-
firmation of the borrower to 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. An oral re-
quest for forbearance and oral affirmation of hard-
ship by the borrower shall be sufficient for the bor-
rower 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 amended by adding at the end 
the following: 
‘‘(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 request by the borrower 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 
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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 not 
more than 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; 
‘‘(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 
specific covered mortgage loan of the borrower; 
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‘‘(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. 
‘‘(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 beginning on the date that is 90 days 
after the date of the enactment of this paragraph 
and ending on the last day of the covered period, 
each servicer of a covered mortgage loan shall be re-
quired to— 
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‘‘(A) make available in a clear and con-
spicuous manner on their web page accurate in-
formation, in English and Spanish, for bor-
rowers regarding the availability of forbearance 
as provided under subsection (b); 
‘‘(B) notify every borrower whose pay-
ments on a covered mortgage loan are or be-
come 31 days delinquent in any oral commu-
nication with or to the borrower that the bor-
rower may be eligible to request forbearance as 
provided under subsection (b), except that such 
notice shall not be required if the borrower al-
ready has requested forbearance under sub-
section (b); and 
‘‘(C) provide in writing, in both English 
and Spanish, to any borrower whose payments 
on the covered mortgage loan are or become 31 
days delinquent, a notification that— 
‘‘(i) the borrower may be eligible for 
forbearance under this section; 
‘‘(ii) the borrower can seek language 
assistance and general help through a 
housing counseling agency certified by the 
Department of Housing and Urban Devel-
opment; 
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‘‘(iii) provides information on how to 
find a counseling agency described in 
clause (ii); and 
‘‘(iv) shall be provided not later than 
the 45th day of the delinquency of the bor-
rower. 
‘‘(8) CERTAIN
TREATMENT
UNDER
RESPA.— 
During any period of time that a borrower is in for-
bearance, has not yet received an offer under sub-
section (d)(2) or a notice of the determination of the 
servicer under subsection (d)(3), as applicable, or 
whose first payment due under an offer under sub-
section (d)(2) is not yet past due— 
‘‘(A) for purposes of section 1024.41 of 
title 12, Code of Federal Regulations (or any 
successor regulation), any delinquency on the 
mortgage loan shall be tolled; and 
‘‘(B) the servicer shall not initiate or pro-
ceed with any judicial or non-judicial fore-
closure process, schedule a foreclosure sale, 
move for a foreclosure judgment or order of 
sale, execute a foreclosure related eviction or 
foreclosure sale, including charging, assessing, 
or incurring any foreclosure related fees, such 
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as attorney fees, property inspection fees, or 
title fees.’’. 
(6) POST-FORBEARANCE LOSS MITIGATION.— 
(A) AMENDMENT TO THE CARES ACT.— 
Section 4022 of the CARES Act (15 U.S.C. 
9056) is amended by adding at the end the fol-
lowing: 
‘‘(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, not 
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. 
‘‘(2) LOSS MITIGATION OFFER BEFORE EXPIRA-
TION OF FORBEARANCE ON A COVERED MORTGAGE 
LOAN
OTHER
THAN
A
FEDERALLY
INSURED
RE-
VERSE MORTGAGE LOAN.— 
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‘‘(A) IN GENERAL.—For any covered mort-
gage loan that is not a federally insured reverse 
mortgage loan, not later than 30 days before 
the end of any forbearance period that has not 
been extended or 30 days after a request by a 
borrower to terminate the forbearance, which 
time shall be before the servicer initiates or en-
gages in any foreclosure activity listed in sub-
section (c)(2), including incurring or charging 
to a borrower any fees or corporate advances 
related to a foreclosure, the servicer shall, in 
writing— 
‘‘(i) offer the borrower a loss mitiga-
tion option, without the charging of any 
fees or penalties other than interest, such 
that the principal and interest payment of 
the borrower remains the same as it was 
prior to the forbearance, subject to any ad-
justment of the index pursuant to the 
terms of an adjustable rate mortgage, and 
that— 
‘‘(I) defers the payment of total 
arrearages, including any escrow ad-
vances, to the end of the existing term 
of the loan, without the charging or 
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collection of any additional interest on 
the deferred amounts; or 
‘‘(II) extends the term of the 
mortgage loan, and capitalizes, defers, 
or forgives all escrow advances and 
other arrearages; 
‘‘(ii) concurrent with the loss mitiga-
tion offer in clause (i), notify the borrower 
that the borrower has the right to be eval-
uated for other loss mitigation options if 
the borrower is not able to make the pay-
ment under the option offered in clause (i). 
‘‘(B) EXCEPTION.—Notwithstanding sub-
paragraph (A)(i), a servicer may offer a bor-
rower of a covered mortgage loan described in 
subparagraph (A) a loss mitigation option that 
reduces the principal and interest payment on 
the covered mortgage loan and capitalizes, de-
fers, or forgives all escrow advances or arrear-
ages if the servicer has information indicating 
that the borrower cannot resume the pre-for-
bearance mortgage payments. 
‘‘(3) EVALUATION FOR LOSS MITIGATION PRIOR 
TO
FORECLOSURE
INITIATION
FOR
ANY
COVERED 
MORTGAGE LOAN THAT IS NOT A FEDERALLY IN-
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SURED
REVERSE
MORTGAGE
LOAN.—Before 
a 
servicer may initiate or engage in any foreclosure ac-
tivity listed in subsection (c)(2) for any covered 
mortgage loan that is not a federally insured reverse 
mortgage loan, including incurring or charging to a 
borrower any fees or corporate advances related to 
a foreclosure on the basis that the borrower has 
failed to perform under the loss mitigation offer in 
paragraph (2)(A) within the first 90 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; and 
‘‘(ii) exercise reasonable diligence to 
obtain the documents and information 
needed to complete the loss mitigation ap-
plication of the borrower; and 
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‘‘(B) upon receipt of a complete applica-
tion or if, despite the exercise by the servicer of 
reasonable diligence, the loss mitigation applica-
tion remains incomplete 60 days after the no-
tice in paragraph (2)(A) is sent— 
‘‘(i) conduct an evaluation of the com-
plete or incomplete loss mitigation applica-
tion without reference to whether the bor-
rower has previously submitted a complete 
loss mitigation application; and 
‘‘(ii) offer the borrower all available 
loss mitigation options for which the bor-
rower qualifies under applicable investor 
guidelines, including guidelines regarding 
required documentation. 
‘‘(4) EFFECT ON FUTURE REQUESTS FOR LOSS 
MITIGATION
REVIEW
FOR
BORROWERS
WITH
COV-
ERED MORTGAGE LOANS THAT ARE NOT FEDERALLY 
INSURED REVERSE MORTGAGE LOANS.—An applica-
tion, offer, or evaluation for loss mitigation under 
this section for a covered mortgage loan that is not 
a federally insured reverse mortgage loan shall not 
be the basis for the denial of an application of a bor-
rower as duplicative or for a reduction in the appeal 
rights of the borrower under Regulation X in part 
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1024 of title 12, Code of Federal Regulations, in re-
gard to any loss mitigation application submitted 
after the servicer has complied with the require-
ments of paragraphs (2) and (3), 
‘‘(5) SAFE
HARBOR.—For any covered mort-
gage loan that is not a federally insured reverse 
mortgage loan, any loss mitigation option authorized 
by the Federal National Mortgage Association, the 
Federal Home Loan Corporation, or the Federal 
Housing Administration shall be deemed to comply 
with the requirements of paragraph (2)(A) if the 
loss mitigation option— 
‘‘(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-
terest on any amount capitalized into the loan 
principal. 
‘‘(6) HOME RETENTION OPTIONS FOR CERTAIN 
REVERSE MORTGAGE LOANS.— 
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‘‘(A) IN GENERAL.—For a covered mort-
gage loan that is also a federally insured re-
verse mortgage loan, the conduct of a servicer 
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 de-
fault, the mortgagee shall, as a precondition to 
sending a due and payable request to the Sec-
retary or initiating 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. 
‘‘(B) PERMISSIBLE REPAYMENT PLANS.— 
The Secretary shall amend the allowable home 
retention options of the Secretary to permit a 
repayment plan of not more than 120 months 
in length, and to permit a repayment plan with-
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out 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.— 
(i) IN GENERAL.—Section 505 of the 
Housing Act of 1949 (42 U.S.C. 1475) is 
amended— 
(I) by striking the section head-
ing and inserting ‘‘LOSS MITIGA-
TION AND FORECLOSURE PRO-
CEDURES’’; 
(II) in subsection (a), by striking 
the section designation and all that 
follows through ‘‘During any’’ and in-
serting the following: 
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‘‘(a) MORATORIUM.—(1) In determining the eligi-
bility of a borrower for relief, the Secretary shall make 
all eligibility decisions based on the household income, ex-
penses, and circumstances of the borrower. 
‘‘(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 this Act, the 
Secretary shall reset the principal and interest pay-
ments of the borrower— 
‘‘(A) based on a reasonable assessment of 
the ability of the household of the borrower to 
make principal and interest payments; and 
‘‘(B) in accordance with paragraphs (1) 
and (2) of subsection (a) and paragraphs (1) 
and (3) of this subsection. 
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‘‘(3) The amount of the principal and interest 
payment that is reset under paragraph (2) may not 
exceed the amount of the principal and interest pay-
ment of the borrower before the moratorium.’’. 
(ii) RULES.— 
(I) INTERIM FINAL RULE.—Not 
later than 60 days after the date of 
enactment of this Act, the Secretary 
of Agriculture shall promulgate an in-
terim final rule to carry out the 
amendments made by this subpara-
graph. 
(II) FINAL
RULE.—Not later 
than 180 days after the date of enact-
ment of this Act, the Secretary of Ag-
riculture shall promulgate a final rule 
to carry out the amendments made by 
this subparagraph. 
(7) MULTIFAMILY MORTGAGE FORBEARANCE.— 
Section 4023 of the CARES Act (15 U.S.C. 9057) 
is amended— 
(A) in the section heading, by striking 
‘‘with federally backed loans’’; 
(B) by striking ‘‘Federally backed multi-
family mortgage loan’’ each place that term ap-
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1607 
pears and inserting ‘‘multifamily mortgage 
loan’’; 
(C) in subsection (b), by striking ‘‘during’’ 
and inserting ‘‘due, directly or indirectly, to’’; 
(D) in subsection (c)(1)— 
(i) in subparagraph (A), by adding 
‘‘and’’ at the end; and 
(ii) by striking subparagraphs (B) and 
(C) and inserting the following: 
‘‘(B) provide the forbearance for up to the 
end 
of 
the 
period 
described 
in 
section 
4024(b).’’; 
(E) by redesignating subsection (f) as sub-
section (g); 
(F) 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 not less 
than a 12-month period beginning at the end of the 
forbearance 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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(ii) by amending paragraph (5) to 
read as follows: 
‘‘(5) COVERED PERIOD.—The term ‘covered pe-
riod’ has the meaning given the term in 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, 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, 
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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.— 
(A) SAFE HARBOR.— 
(i) IN GENERAL.—A servicer of cov-
ered mortgage loans or multifamily mort-
gage loans— 
(I) shall be deemed not to have 
violated any duty or contractual obli-
gation owed to investors or other par-
ties regarding those mortgage loans 
on account of offering or imple-
menting in good faith forbearance 
during the covered period or offering 
or implementing in good faith post- 
forbearance loss mitigation (including 
after the expiration of the covered pe-
riod) in accordance with the terms of 
sections 4022 and 4023 of the 
CARES Act (15 U.S.C. 9056, 9057) 
to borrowers, respectively, on covered 
mortgage loans or multifamily mort-
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1611 
gage loans that the servicer services; 
and 
(II) shall not be liable to any 
party who is owed such a duty or obli-
gation or subject to any injunction, 
stay, or other equitable relief to such 
party on account of such offer or im-
plementation of forbearance or post- 
forbearance 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 mortgage loans or mul-
tifamily mortgage loans held by that 
securitization or investment vehicle to com-
ply with the terms of section 4022 and 
4023 of the CARES Act (15 U.S.C. 9056, 
9057), respectively, to borrowers on cov-
ered 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 sub-
ject to any injunction, stay, or other equi-
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1612 
table relief to such party on account of the 
cooperation of the servicer with an offer or 
implementation of forbearance during the 
covered period or post-forbearance 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 in the case of a reverse 
mortgage, an extension of the due and payable 
period) or loss mitigation options in accordance 
with the terms of sections 4022 and 4023 of 
the CARES Act (15 U.S.C. 9056, 9057) to bor-
rowers, respectively, on all covered mortgage 
loans or multifamily mortgage loans serviced by 
the servicer. 
(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: 
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1613 
(i) COVERED MORTGAGE LOAN.—The 
term ‘‘covered mortgage loan’’ has the 
meaning given the term in section 4022(a) 
of the CARES Act (15 U.S.C. 9056(a)). 
(ii) COVERED
PERIOD.—The term 
‘‘covered period’’ has the meaning given 
the term in section 4023(g) of the CARES 
Act (15 U.S.C. 9057(g)). 
(iii) 
MULTIFAMILY
MORTGAGE 
LOAN.—The term ‘‘multifamily mortgage 
loan’’ has the meaning given the term in 
section 4023(g) of the CARES Act (15 
U.S.C. 9057(g)). 
(iv) 
SERVICER.—The 
term 
‘‘servicer’’— 
(I) has the meaning given the 
term in 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 those terms are de-
fined in section 1024.31 of title 12, 
Code of Federal Regulations. 
(v) SECURITIZATION
VEHICLE.—The 
term ‘‘securitization vehicle’’ has the 
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1614 
meaning given that term in section 
129A(f) of the Truth in Lending Act (15 
U.S.C. 1639a(f)). 
(c) AMENDMENTS TO NATIONAL HOUSING ACT.— 
Section 306(g)(1) of the National Housing Act (12 U.S.C. 
1721(g)(1)) 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(b)(4) of the CARES Act (15 
U.S.C. 9042(b)(4))) related to any such mortgage or 
mortgages or any interest therein and the proceeds 
thereon, which the Association may elect to ap-
prove’’; 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(b)(4) of 
the CARES Act (15 U.S.C. 9042(b)(4)) related 
to any such mortgage or mortgages or any in-
terest therein and proceeds thereon’’. 
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1615 
SEC. 204. PROMOTING ACCESS TO CREDIT FOR HOME-
BUYERS. 
(a) FANNIE MAE AND FREDDIE MAC.— 
(1) PURCHASE
REQUIREMENTS.—During the 
period that begins 5 days after the date of the en-
actment of this Act and ends 60 days after the expi-
ration of the covered period with respect to the 
mortgage, notwithstanding any other provision of 
law, an enterprise may not refuse to purchase any 
single-family mortgage originated on or after Feb-
ruary 1, 2020, that otherwise would have been eligi-
ble for purchase by such enterprise, solely due to the 
fact that the borrower has, for the borrower’s pre-
vious mortgage or on the mortgage being pur-
chased— 
(A) entered into forbearance as a result of 
a financial hardship due, directly or indirectly, 
to the COVID–19 emergency; 
(B) requested forbearance as a result of a 
financial hardship due, directly or indirectly, to 
the COVID–19 emergency; or 
(C) inquired as to options related to for-
bearance as a result of a financial hardship 
due, directly or indirectly, to the COVID–19 
emergency. 
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(2) PROHIBITION ON RESTRICTIONS.—With re-
spect to purchase of single-family mortgages de-
scribed in paragraph (1) and specified in any of sub-
paragraphs (A) through (C) of such paragraph, an 
enterprise may not— 
(A) establish additional restrictions that 
are not applicable to similarly situated mort-
gages under which the borrower is not in for-
bearance; 
(B) charge a higher guarantee fee (within 
the meaning provided such term in section 1327 
of the Housing and Community Development 
Act of 1992 (12 U.S.C. 4547)), or loan level 
pricing adjustment, or otherwise alter pricing 
for such mortgages, relative to similarly situ-
ated mortgages under which the borrower is not 
in forbearance; 
(C) apply repurchase requirements to such 
mortgages that are more restrictive than repur-
chase requirements applicable to similarly situ-
ated mortgages under which the borrower is not 
in forbearance; or 
(D) require lender indemnification of such 
mortgages, solely due to the fact that the bor-
rower is in forbearance. 
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(3) FRAUD DETECTION.—This subsection may 
not be construed to prevent an enterprise from con-
ducting oversight and review of single-family mort-
gages purchased when a borrower is in forbearance 
on the borrower’s previous mortgage, or on the 
mortgage being purchased, for purposes of detecting 
fraud. An enterprise shall report any fraud detected 
to the Director of the Federal Housing Finance 
Agency. 
(4) ENTERPRISE CAPITAL.—During the period 
that begins 5 days after the date of the enactment 
of this Act and ends 60 days after the expiration of 
the covered period with respect to a mortgage, not-
withstanding any other provision of law, a forbear-
ance on such mortgage shall not be considered to be 
a delinquency under such mortgage for purposes of 
calculating capital of an enterprise for any purpose 
under title XIII of the Housing and Community De-
velopment Act of 1992 (12 U.S.C. 4501 et seq.). 
(5) RULES OF CONSTRUCTION.— 
(A) PURCHASE
PARAMETERS.—This sub-
section may not be construed to require an en-
terprise to purchase single-family mortgages 
that do not meet existing or amended purchase 
parameters, other than parameters related to 
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borrower forbearance, established by such en-
terprise. 
(B) EMPLOYMENT; INCOME.—This sub-
section may not be construed to prevent an en-
terprise from establishing additional require-
ments to ensure that a borrower has not lost 
their job or income prior to a mortgage closing. 
(6) 
IMPLEMENTATION.—The 
Director 
may 
issue any guidance, orders, and regulations nec-
essary to carry out this subsection. 
(b) FHA.— 
(1) PROHIBITION
ON
RESTRICTIONS.—During 
the period that begins 5 days after the date of the 
enactment of this Act and ends 60 days after the ex-
piration of the covered period with respect to the 
mortgage, notwithstanding any other provision of 
law, the Secretary of Housing and Urban Develop-
ment may not deny the provision of mortgage insur-
ance for a single-family mortgage originated on or 
after February 1, 2020, may not implement addi-
tional premiums or otherwise alter pricing for such 
a mortgage, may not require mortgagee indemnifica-
tion, and may not establish additional restrictions on 
such a mortgagor, solely due to the fact that the 
borrower has— 
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(A) entered into forbearance as a result of 
a financial hardship due, directly or indirectly, 
to the COVID–19 emergency; 
(B) requested forbearance as a result of a 
financial hardship due, directly or indirectly, to 
the COVID–19 emergency; or 
(C) inquired as to options related to for-
bearance as a result of a financial hardship 
due, directly or indirectly, to the COVID–19 
emergency. 
(2) RULES OF CONSTRUCTION.— 
(A) INSURANCE.—This subsection may not 
be construed to require the Secretary of Hous-
ing and Urban Development to provide insur-
ance on single-family mortgages that do not 
meet existing or amended insurance param-
eters, other than parameters related to bor-
rower forbearance, established by the Secretary. 
(B) EMPLOYMENT; INCOME.—This sub-
section may not be construed to prevent the 
Secretary of Housing and Urban Development 
from establishing additional requirements re-
garding insurance on single-family mortgages to 
ensure that a borrower has not lost their job or 
income prior to a mortgage closing. 
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(c) REPORTING REQUIREMENTS.— 
(1) FHFA ACTIONS.—During the COVID–19 
emergency, the Director may not increase guarantee 
fees, loan level pricing adjustments, or any other 
fees or implement any restrictions on access to cred-
it unless the Director provides 48-hour advance no-
tice of such increase or restrictions to the Committee 
on Financial Services of the House of Representa-
tives and the Committee on Banking, Housing, and 
Urban Affairs of the Senate together with a detailed 
report of the policy rationale for the decision, includ-
ing any and all data considered in making such deci-
sion. 
(2) QUARTERLY
REPORTS
BY
ENTERPRISES 
AND FHA.— 
(A) REQUIREMENT.—Each enterprise and 
the Secretary of Housing and Urban Develop-
ment, with respect to the FHA mortgage insur-
ance programs, shall provide reports to the 
Congress, and make such reports publicly avail-
able, not less frequently than quarterly regard-
ing the impact of COVID–19 pandemic on the 
such enterprises’ and program’s ability to meet 
their charter requirements, civil rights respon-
sibilities, mandates under the CARES Act 
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1621 
(Public Law 116–136), and other laws enacted 
in response to the COVID–19 pandemic, and 
other requirements under law. The first such 
report shall be submitted not later than the ex-
piration of the 3-month period beginning upon 
the date of the enactment of this Act and the 
requirement under this subparagraph to submit 
such reports shall terminate upon the expiration 
of the 2-year period beginning upon the termi-
nation of the COVID–19 emergency. 
(B) 
CONTENT.—Each 
report 
required 
under subparagraph (A) shall include the fol-
lowing information for the most recent quarter 
for which data is available: 
(i) ENTERPRISES.—For each report 
required by an enterprise: 
(I) The number of single-family 
and multi-family residential mortgage 
loans purchased by the enterprise and 
the unpaid principal balance of such 
mortgage 
loans 
purchased, 
disaggregated by— 
(aa) mortgage loans made to 
low- and moderate-income bor-
rowers; 
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(bb) mortgage loans made 
for properties in low- and mod-
erate-income census tracts; and 
(cc) mortgage loans made 
for properties in central cities, 
rural areas, and underserved 
areas. 
(II) In the single-family residen-
tial mortgage market— 
(aa) the total number, un-
paid 
principal 
balance, 
and 
length of forbearances provided 
to borrowers, including whether 
or not the forbearance was re-
quested by the borrower; 
(bb) a detailed breakdown of 
the loan modifications offered to 
borrowers and whether the bor-
rowers accepted the offer includ-
ing the total number and unpaid 
principal balance of loan modi-
fications ultimately made to bor-
rowers; 
(cc) a detailed breakdown of 
the home retention options of-
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1623 
fered to borrowers and whether 
the borrowers accepted the offer, 
including the total number and 
unpaid principal balance of other 
home retention options ultimately 
made to borrowers; and 
(dd) the total number of 
outcomes that included short- 
sales, deed-in-lieu of foreclosure, 
and foreclosure sales. 
(III) A description of any efforts 
by the enterprise to provide assistance 
and support to consumers who are not 
proficient in English. 
(IV) A description of any other 
efforts by the enterprise to provide as-
sistance to low- and moderate-income 
communities, 
central 
cities, 
rural 
areas, and other underserved areas, 
such as financial literacy and edu-
cation or support of fair housing and 
housing counseling agencies. 
(V) A description of any other 
assistance provided by the enterprise 
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1624 
to consumers in response to the 
COVID–19 pandemic. 
(ii) FHA.—For each report required 
with respect to the FHA mortgage insur-
ance programs: 
(I) The number and unpaid prin-
cipal balance for all residential mort-
gage loans, disaggregated by type, in-
sured under such programs. 
(II) The total number, unpaid 
principal 
balance, 
and 
length 
of 
forbearances provided to borrowers, 
including whether or not the forbear-
ance was requested by the borrower. 
(III) A detailed breakdown of the 
loan modifications offered to bor-
rowers and whether the borrowers ac-
cepted the offer including the total 
number and unpaid principal balance 
of loan modifications ultimately made 
to borrowers. 
(IV) A detailed breakdown of the 
home retention options offered to bor-
rowers and whether the borrowers ac-
cepted the offer including the total 
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1625 
number and unpaid principal balance 
of other home retention options ulti-
mately made to borrowers. 
(V) A description of any efforts 
under such programs to provide as-
sistance and support to consumers 
who are not proficient in English. 
(VI) A description of any other 
efforts under such programs to pro-
vide assistance to low- and moderate- 
income communities, central cities, 
rural areas, and other underserved 
areas, such as financial literacy and 
education or support of fair housing 
and housing counseling agencies. 
(VII) A description of any other 
assistance provided under such pro-
grams to consumers in response to the 
COVID–19 pandemic. 
(iii) PROVISIONS TO BE INCLUDED IN 
ALL
REPORTS.—Each 
report 
required 
under subparagraph (A) shall include, to 
the degree reasonably possible, the fol-
lowing information: 
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(I) An analysis of all loan level 
data required by clauses (i) and (ii) of 
this subparagraph disaggregated by 
race, national origin, gender, disability 
status, whether or not the borrower 
seeking or obtaining assistance speaks 
English as a second language, the 
preferred language of the borrower, 
debt-to-income level of the borrower, 
loan-to-value ratio of the loan, and 
credit score of the borrower. 
(II) A geographical analysis at 
the census tract level, but if informa-
tion is not available at the census 
tract level for any of the items re-
quired by clauses (i) and (ii), the geo-
graphical analysis shall be provided at 
the zip code level for the item for 
which a census tract analysis was not 
possible. 
(III) A description of any policy 
changes made by the enterprise or 
Secretary of Housing and Urban De-
velopment, as appropriate, in response 
to the COVID–19 pandemic and anal-
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1627 
ysis of actions taken to ensure that 
such policy changes were in compli-
ance with all relevant civil rights re-
sponsibilities, 
including 
the 
Fair 
Housing Act, including the Affirma-
tively Furthering Fair Housing provi-
sion, the Equal Credit Opportunity 
Act, the Community Reinvestment Act 
of 1977, the Federal Housing Enter-
prises Financial Safety and Sound-
ness Act of 1992, the Housing and 
Economic Recovery Act of 2008, Fed-
eral Home Loan Bank Act, Executive 
Orders 11063 and 12892, the Federal 
National Mortgage Association Char-
ter Act, and the Federal Home Loan 
Mortgage Corporation Act. 
(3) REPORT BY GAO.—Not later than the expi-
ration of the 120-day period that begins upon the 
termination of the COVID–19 emergency, the 
Comptroller General of the United States shall sub-
mit to the Congress and make public available a re-
port on— 
(A) the extent to which the enterprises and 
the FHA mortgage insurance programs pro-
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1628 
vided loan products, forbearances, loan modi-
fications, and COVID–19-related assistance to 
consumers; 
(B) the availability and type of any such 
assistance provided post-forbearance; and 
(C) the overall ability of the enterprises 
and the FHA mortgage insurance programs to 
successfully meet their charter requirements, 
civil rights responsibilities, and other require-
ments under law. 
(d) DEFINITIONS.—For purposes of this Act, the fol-
lowing definitions shall apply: 
(1) COVERED PERIOD.—The term ‘‘covered pe-
riod’’ means, with respect to a federally backed 
mortgage loan, the period of time during which the 
borrower under such loan may request forbearance 
on the loan under section 4022(b) of the CARES 
Act (15 U.S.C. 9056; Public Law 116–136; 134 
Stat. 490). 
(2) 
COVID-19 
EMERGENCY.—The 
term 
‘‘COVID–19 emergency’’ has the meaning given 
such term in section 4022 of the CARES Act (15 
U.S.C. 9056; Public Law 116–136; 134 Stat. 490). 
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(3) DIRECTOR.—The term ‘‘Director’’ means 
the Director of the Federal Housing Finance Agen-
cy. 
(4) ENTERPRISE.—The term ‘‘enterprise’’ has 
the meaning given such term in section 1303 of the 
Housing and Community Development Act of 1992 
(12 U.S.C. 4502). 
SEC. 205. 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 
with access to such opportunities under equitable 
terms and conditions regardless of their size. 
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‘‘(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 
‘‘(D) comply with the limitations on com-
pensation set forth in section 4004. 
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1631 
‘‘(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 
such owners for documented financial losses 
caused by reductions in rent payments; and 
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1632 
(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 
reports to the Congress on a monthly basis con-
taining the following, with respect to each property 
owner receiving a loan under this subsection: 
(A) The number of borrowers that received 
assistance under this subsection. 
(B) The average total loan amount that 
each borrower received. 
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(C) The total number of rental units that 
each borrower owned. 
(D) The average rent charged by each bor-
rower. 
(4) REPORT ON LARGE RESIDENTIAL RENTAL 
PROPERTY OWNERS.—The Board of Governors shall 
issue reports to the Congress on a monthly basis 
that identify any person or entity that in aggregate 
owns or holds a controlling interest in any entity 
that, in aggregate, owns— 
(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-
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1634 
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. 206. SUPPLEMENTAL FUNDING FOR SUPPORTIVE 
HOUSING FOR THE ELDERLY AND PERSONS 
WITH DISABILITIES. 
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated $500,000,000 for fiscal year 
2021 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-
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1635 
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 
subsection (a) of this section, by substituting ‘‘(G), and 
(H)’’ for ‘‘ and (G)’’. 
(c) SERVICE COORDINATORS.— 
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(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 
providing service coordinators that are allocated for 
a grantee and remain unexpended upon the expira-
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1637 
tion of the 12-month period beginning upon such al-
location shall be recaptured by the Secretary. 
SEC. 207. FAIR HOUSING. 
(a) DEFINITION
OF COVID–19 EMERGENCY PE-
RIOD.—For purposes of this Act, the term ‘‘COVID–19 
emergency period’’ means the period that begins upon the 
date of the enactment of this Act and ends upon the date 
of the termination by the Federal Emergency Manage-
ment Agency of the emergency declared on March 13, 
2020, by the President under the Robert T. Stafford Dis-
aster Relief and Emergency Assistance Act (42 U.S.C. 
4121 et seq.) relating to the Coronavirus Disease 2019 
(COVID–19) pandemic. 
(b) FAIR HOUSING ACTIVITIES.— 
(1) AUTHORIZATION OF APPROPRIATIONS.—To 
ensure existing grantees have sufficient resource for 
fair housing activities and for technology and equip-
ment needs to deliver services through use of the 
Internet or other electronic or virtual means in re-
sponse to the public health emergency related to the 
Coronavirus Disease 2019 (COVID–19) pandemic, 
there is authorized to be appropriated $4,000,000 
for Fair Housing Organization Initiative grants 
through the Fair Housing Initiatives Program under 
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section 561 of the Housing and Community Devel-
opment Act of 1987 (42 U.S.C. 3616a). 
(2) 3-YEAR AVAILABILITY.—Any amounts made 
available pursuant paragraph (1) that are allocated 
for a grantee and remain unexpended upon the expi-
ration of the 3-year period beginning upon such allo-
cation shall be recaptured by the Secretary. 
(c) FAIR HOUSING EDUCATION.—There is authorized 
to be appropriated $10,000,000 for the Office of Fair 
Housing and Equal Opportunity of the Department of 
Housing and Urban Development to carry out a national 
media campaign and local education and outreach to edu-
cate the public of increased housing rights during 
COVID–19 emergency period, that provides that informa-
tion and materials used in such campaign are available— 
(1) in the languages used by communities with 
limited English proficiency; and 
(2) to persons with disabilities. 
TITLE III—PROTECTING PEOPLE 
EXPERIENCING HOMELESSNESS 
SEC. 301. 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 
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B of title IV of the McKinney-Vento Homeless As-
sistance 
Act 
(42 
U.S.C. 
11371 
et 
seq.) 
$5,000,000,000 for grants under such subtitle in ac-
cordance with this subsection to respond to needs 
arising from the public health emergency relating to 
Coronavirus Disease 2019 (COVID–19). 
(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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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 
C.F.R. 
576.102(a)(3), providing a hotel or motel 
voucher for a homeless individual or family. 
Use of such amounts for activities described in this 
paragraph shall not be considered use for adminis-
trative purposes for purposes of section 418 of the 
McKinney-Vento Homeless Assistance Act (42 
U.S.C. 11377). 
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(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 (42 U.S.C. 11374) shall not apply to any 
amounts made available pursuant to paragraph (1) 
of this subsection. 
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(7) INITIAL ALLOCATION OF ASSISTANCE.—Sec-
tion 417(b) of the McKinney-Vento Homeless Assist-
ance Act (42 U.S.C. 11376(b)) shall be applied with 
respect to amounts made available pursuant to para-
graph (1) of this subsection by substituting ‘‘30- 
day’’ for ‘‘60-day’’. 
(8) WAIVERS
AND
ALTERNATIVE
REQUIRE-
MENTS.— 
(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 
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effective date of any such waiver or alternative 
requirement, and any such public notice may be 
provided on the Internet at the appropriate 
Government web site or through other elec-
tronic media, as determined by the Secretary. 
(C) EXEMPTION.—The use of amounts 
made available pursuant to paragraph (1) shall 
not be subject to the consultation, citizen par-
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-
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requisite activities as a condition for receiving shel-
ter, housing, or other services. 
(b) 
RENEWAL
OF
CONTINUUM
OF
CARE 
PROJECTS.— 
(1) IN GENERAL.—In allocating and awarding 
amounts provided for the Continuum of Care pro-
gram under subtitle C of title IV of the McKinney- 
Vento Homeless Assistance Act (42 U.S.C. 11381 et 
seq.), the Secretary of Housing and Urban Develop-
ment shall renew for one 12-month period, without 
additional competition, all projects with existing 
grants expiring during calendar year 2021, including 
shelter plus care projects expiring during calendar 
year 2021, notwithstanding any inconsistent provi-
sions in subtitle C of title IV of the McKinney-Vento 
Homeless Assistance Act or any other Act. 
(2) PLANNING AND UNIFIED FUNDING AGENCY 
AWARDS.—Continuum of Care planning and unified 
funding agency awards expiring in calendar year 
2021 may also be renewed and the continuum of 
care may designate a new collaborative applicant to 
receive the award in accordance with the existing 
process established by the Secretary of Housing and 
Urban Development. 
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(3) NOTICE.—The Secretary of Housing and 
Urban Development shall publish a notice that iden-
tifies and lists all projects and awards eligible for 
such noncompetitive renewal, prescribes the format 
and process by which the projects and awards from 
the list will be renewed, makes adjustments to the 
renewal amount based on changes to the fair market 
rent, and establishes a maximum amount for the re-
newal of planning and unified funding agency 
awards notwithstanding the requirement that such 
maximum amount be established in a notice of fund-
ing availability. 
(4) 
YOUTH
HOMELESS
DEMONSTRATION 
PROJECTS
AND
DOMESTIC
VIOLENCE
BONUS 
PROJECTS.— Subsection (a) shall not apply to youth 
homeless demonstration projects and domestic vio-
lence bonus projects under the Continuum of Care 
program. 
(c) HOUSING TRUST FUND.—Notwithstanding any 
other provision of law, subparagraph (B) of section 
1338(c)(10) of the Housing and Community Development 
Act of 1992 (12 U.S.C. 4568(c)(10)(B)), and any regula-
tions implementing such subparagraph, shall not apply 
during the 12-month period beginning upon the date of 
the enactment of this Act. 
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TITLE IV—SUSPENDING NEGA-
TIVE 
CREDIT 
REPORTING 
AND STRENGTHENING CON-
SUMER AND INVESTOR PRO-
TECTIONS 
SEC. 401. REPORTING OF INFORMATION DURING MAJOR 
DISASTERS. 
(a) IN GENERAL.—The CARES Act (Public Law 
116–136) is amended by striking section 4021 and insert-
ing the following: 
‘‘SEC. 4021. REPORTING OF INFORMATION DURING MAJOR 
DISASTERS. 
‘‘(a) PURPOSE.—The purpose of this section, and the 
amendments made by this section, is to protect consumers’ 
credit from negative impacts as a result of financial hard-
ship due to the coronavirus disease (COVID–19) outbreak 
and future major disasters. 
‘‘(b) REPORTING OF INFORMATION DURING MAJOR 
DISASTERS.— 
‘‘(1) IN GENERAL.—The Fair Credit Reporting 
Act is amended by inserting after section 605B the 
following: 
‘‘ ‘§ 605C. Reporting of information during major dis-
asters 
‘‘ ‘(a) DEFINITIONS.—In this section: 
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‘‘ ‘(1) CONSUMER.—With respect to a covered 
period, the term ‘‘consumer’’ shall only include a 
consumer who is a resident of the affected area cov-
ered by the applicable disaster or emergency declara-
tion. 
‘‘ ‘(2) COVERED
MAJOR
DISASTER
PERIOD.— 
The term ‘‘covered major disaster period’’ means the 
period— 
‘‘ ‘(A) beginning on the date on which a 
major disaster is declared by the President 
under— 
‘‘ ‘(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-
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riod beginning on March 13, 2020 (the date the 
President declared the emergency under section 501 
of the Robert T. Stafford Disaster Relief and Emer-
gency Assistance Act (42 U.S.C. 4121 et seq.) relat-
ing to the Coronavirus Disease 2019 (COVID–19) 
pandemic) and ending on the later of— 
‘‘ ‘(A) 120 days after the date of enact-
ment of this section; or 
‘‘ ‘(B) 120 days after the end of the inci-
dent period for such emergency. 
‘‘ ‘(5) MAJOR DISASTER.—The term ‘‘major dis-
aster’’ means a major disaster declared by the Presi-
dent under— 
‘‘ ‘(A) section 401 of the Robert T. Staf-
ford Disaster Relief and Emergency Assistance 
Act (42 U.S.C. 5170), under which assistance 
is authorized under section 408 of such Act (42 
U.S.C. 5174); or 
‘‘ ‘(B) section 501 of such Act. 
‘‘ ‘(b) MORATORIUM ON FURNISHING ADVERSE IN-
FORMATION DURING COVERED PERIOD.—No person may 
furnish any adverse item of information (except informa-
tion related to a felony criminal conviction) relating to a 
consumer that was the result of any action or inaction that 
occurred during a covered period. 
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‘‘ ‘(c) INFORMATION EXCLUDED FROM CONSUMER 
REPORTS.—In addition to the information described in 
section 605(a), no consumer reporting agency may make 
any consumer report containing an adverse item of infor-
mation (except information related to a felony criminal 
conviction) relating to a consumer that was the result of 
any action or inaction that occurred during a covered pe-
riod. 
‘‘ ‘(d) SUMMARY OF RIGHTS.—Not later than 60 days 
after the date of enactment of this section, the Director 
of the Bureau shall update the model summary of rights 
under section 609(c)(1) to include a description of the 
right of a consumer to— 
‘‘ ‘(1) request the deletion of adverse items of 
information under subsection (e); and 
‘‘ ‘(2) request a consumer report or score, with-
out charge to the consumer, under subsection (f). 
‘‘ ‘(e) DELETION OF ADVERSE ITEMS OF INFORMA-
TION RESULTING FROM
THE CORONAVIRUS DISEASE 
(COVID–19) OUTBREAK AND MAJOR DISASTERS.— 
‘‘ ‘(1) REPORTING.— 
‘‘ ‘(A) IN
GENERAL.—Not later than 60 
days after the date of enactment of this sub-
section, the Director of the Bureau shall create 
a website for consumers to report, under pen-
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alty of perjury, economic hardship as a result of 
the coronavirus disease (COVID–19) outbreak 
or a major disaster for the purpose of providing 
credit report protections under this subsection. 
‘‘ ‘(B) DOCUMENTATION.—The Director of 
the Bureau shall— 
‘‘ ‘(i) not require any documentation 
from a consumer to substantiate the eco-
nomic hardship; and 
‘‘ ‘(ii) provide notice to the consumer 
that a report under subparagraph (A) is 
under penalty of perjury. 
‘‘ ‘(C) REPORTING
PERIOD.—A consumer 
may report economic hardship under subpara-
graph (A) during a covered period and for 60 
days thereafter. 
‘‘ ‘(2) DATABASE.—The Director of the Bureau 
shall establish and maintain a secure database 
that— 
‘‘ ‘(A) is accessible to each consumer re-
porting agency described in section 603(p) and 
nationwide specialty consumer reporting agency 
for purposes of fulfilling their duties under 
paragraph (3) to check and automatically delete 
any adverse item of information (except infor-
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mation related to a felony criminal conviction) 
reported that occurred during a covered period 
with respect to a consumer; and 
‘‘ ‘(B) contains the information reported 
under paragraph (1). 
‘‘ ‘(3) DELETION OF ADVERSE ITEMS OF INFOR-
MATION
BY
NATIONWIDE
CONSUMER
REPORTING 
AND NATIONWIDE SPECIALTY CONSUMER REPORT-
ING AGENCIES.— 
‘‘ ‘(A) IN GENERAL.—Each consumer re-
porting agency described in section 603(p) and 
each nationwide specialty consumer reporting 
agency shall, using the information contained in 
the database established under paragraph (2), 
delete from the file of each consumer named in 
the database each adverse item of information 
(except information related to a felony criminal 
conviction) that was a result of an action or in-
action that occurred during a covered period or 
in the 270-day period following the end of a 
covered period. 
‘‘ ‘(B) TIMELINE.—Each consumer report-
ing agency described in section 603(p) and each 
nationwide specialty consumer reporting agency 
shall check the database at least weekly and de-
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lete adverse items of information as soon as 
practicable after information that is reported 
under paragraph (1) appears in the database 
established under paragraph (2). 
‘‘ ‘(4) REQUEST
FOR
DELETION
OF
ADVERSE 
ITEMS OF INFORMATION.— 
‘‘ ‘(A) IN GENERAL.—A consumer who has 
filed a report of economic hardship with the 
Bureau may submit a request, without charge 
to the consumer, to a consumer reporting agen-
cy described in section 603(p) or nationwide 
specialty consumer reporting agency to delete 
from the consumer’s file an adverse item of in-
formation (except information related to a fel-
ony criminal conviction) that was a result of an 
action or inaction that occurred during a cov-
ered period or in the 270-day period following 
the end of a covered period. 
‘‘ ‘(B) TIMING.—A consumer may submit a 
request under subparagraph (A), not later than 
the end of the 270-day period described in that 
subparagraph. 
‘‘ ‘(C) REMOVAL
AND
NOTIFICATION.— 
Upon receiving a request under this paragraph 
to delete an adverse item of information, a con-
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sumer reporting agency described in section 
603(p) or nationwide specialty consumer report-
ing agency shall— 
‘‘ ‘(i) delete the adverse item of infor-
mation (except information related to a fel-
ony criminal conviction) from the con-
sumer’s file; and 
‘‘ ‘(ii) notify the consumer and the 
furnisher of the adverse item of informa-
tion of the deletion. 
‘‘ ‘(f) FREE CREDIT REPORT AND SCORES.— 
‘‘ ‘(1) IN GENERAL.—During the period between 
the beginning of a covered period and ending 12- 
months after the end of the covered period, each 
consumer reporting agency described under section 
603(p) and each nationwide specialty consumer re-
porting agency shall make all disclosures described 
under section 609 upon request by a consumer, by 
mail or online, without charge to the consumer and 
without limitation as to the number of requests. 
Such a consumer reporting agency shall also supply 
a consumer, upon request and without charge, with 
a credit score that— 
‘‘ ‘(A) is derived from a credit scoring 
model that is widely distributed to users by the 
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consumer reporting agency for the purpose of 
any extension of credit or other transaction des-
ignated by the consumer who is requesting the 
credit score; or 
‘‘ ‘(B) is widely distributed to lenders of 
common consumer loan products and predicts 
the future credit behavior of a consumer. 
‘‘ ‘(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 
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that the consumer is a resident of the affected area 
covered by the applicable disaster or emergency dec-
laration) as a condition of receiving the file disclo-
sure or score. 
‘‘ ‘(g) POSTING OF RIGHTS.—Not later than 30 days 
after the date of enactment of this section, each consumer 
reporting agency described under section 603(p) and each 
nationwide specialty consumer reporting agency shall 
prominently post and maintain a direct link on the home-
page of the public website of the consumer reporting agen-
cy information relating to the right of consumers to— 
‘‘ ‘(1) request the deletion of adverse items of 
information (except information related to a felony 
criminal conviction) under subsection (e); and 
‘‘ ‘(2) request consumer file disclosures and 
scores, without charge to the consumer, under sub-
section (f). 
‘‘ ‘(h) BAN ON REPORTING MEDICAL DEBT INFOR-
MATION RELATED
TO COVID–19 OR
A MAJOR DIS-
ASTER.— 
‘‘ ‘(1) FURNISHING BAN.—No person shall fur-
nish adverse information to a consumer reporting 
agency related to medical debt if such medical debt 
is with respect to medical expenses related to treat-
ments arising from COVID–19 or a major disaster 
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provider, solely because the owner or oper-
ator of the real estate or equipment leased 
the equipment or real estate to a cannabis- 
related legitimate business or service pro-
vider, as applicable; or 
(E) prohibit or penalize a depository insti-
tution (or entity performing a financial service 
for or in association with a depository institu-
tion) for, or otherwise discourage a depository 
institution (or entity performing a financial 
service for or in association with a depository 
institution) from, engaging in a financial service 
for a cannabis-related legitimate business or 
service provider. 
(2) SAFE HARBOR APPLICABLE TO DE NOVO IN-
STITUTIONS.—Paragraph (1) shall apply to an insti-
tution applying for a depository institution charter 
to the same extent as such subsection applies to a 
depository institution. 
(c) PROTECTIONS FOR ANCILLARY BUSINESSES.— 
For the purposes of sections 1956 and 1957 of title 18, 
United States Code, and all other provisions of Federal 
law, the proceeds from a transaction involving activities 
of a cannabis-related legitimate business or service pro-
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are being violated by the customer or 
group of customers, if any. 
(B) 
JUSTIFICATION
REQUIREMENT.—A 
justification 
described 
under 
subparagraph 
(A)(ii) may not be based solely on the reputa-
tion risk to the depository institution. 
(3) CUSTOMER NOTICE.— 
(A) NOTICE
REQUIRED.—Except as pro-
vided under subparagraph (B) or as otherwise 
prohibited from being disclosed by law, if an ap-
propriate Federal banking agency orders a de-
pository institution to terminate a specific cus-
tomer account or a group of customer accounts, 
the depository institution shall inform the spe-
cific customer or group of customers of the jus-
tification for the customer’s account termi-
nation described under paragraph (2). 
(B) NOTICE PROHIBITED.— 
(i) NOTICE PROHIBITED IN CASES OF 
NATIONAL
SECURITY.—If an appropriate 
Federal banking agency requests or orders 
a depository institution to terminate a spe-
cific customer account or a group of cus-
tomer accounts based on a belief that the 
customer or customers pose a threat to na-
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ating expenses, including compensation for financial 
agents, and all transactions made by the Community 
Development Financial Institutions Fund, including 
participating institutions and amounts each institu-
tion has received under each program described in 
paragraph (1). 
(b) BREAKDOWN OF FUNDS.—Each report required 
under subsection (a) shall specify the amount of funds 
under each program described under subsection (a)(1) 
that went to— 
(1) minority depository institutions that are de-
pository institutions; 
(2) minority depository institutions that are 
credit unions; 
(3) minority lending institutions; 
(4) community development financial institution 
loan funds; 
(5) community development financial institu-
tions that are depository institutions; and 
(6) community development financial institu-
tions that are credit unions. 
(c) DEFINITIONS.—In this section: 
(1) 
APPROPRIATE
COMMITTEES
OF
CON-
GRESS.—The term ‘‘appropriate committees of Con-
gress’’ means the Committee on Financial Services 
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1994 
sale of any bonds, notes, or other obligation under 
such subsection; 
(2) any amount obligated or expended for the 
payment of principal of, interest on, or any premium 
for any bonds, notes, or other obligations issued 
under subsection (a); 
(3) any amount obligated or expended pursuant 
to provisions made to secure any bonds, notes, or 
other obligations issued under subsection (a); or 
(4) any amount obligated or expended pursuant 
to commitments, including lines of credit or costs of 
issuance, made or entered in connection with the 
issuance of any bonds, notes, or other obligations for 
operating or capital costs financed under subsection 
(a). 
(e) RENEWAL.—Any bond, note, or other obligation 
issued under subsection (a) may be renewed if authorized 
by an act of the Council. 
(f) PAYMENT.—Any bonds, notes, or other obliga-
tions issued under subsection (a), including any renewal 
of such bonds, notes, or other obligations, shall be due 
and payable on such terms and conditions as are con-
sistent with the terms and conditions of the Municipal Li-
quidity Facility or other facility or program referred to 
in subsection (a). 
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