530 
(1) according to the 2018 American Community 
Survey, 36 percent of households in the United 
States—more than 43 million households—are rent-
ers; 
(2) in 2019 alone, renters in the United States 
paid $512 billion in rent; 
(3) according to the Joint Center for Housing 
Studies of Harvard University, 20.8 million renters 
in the United States spent more than 30 percent of 
their incomes on housing in 2018 and 10.9 million 
renters spent more than 50 percent of their incomes 
on housing in the same year; 
(4) Moody’s Analytics estimates that 27 million 
jobs in the U.S. economy are at high risk because 
of COVID–19; 
(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. 
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(b) MORATORIUM.—During the period beginning on 
the date of the enactment of this Act and ending on the 
date described in paragraph (1) of subsection (d), the les-
sor of a covered dwelling may not make, or cause to be 
made, any filing with the court of jurisdiction to initiate 
a legal action to recover possession of the covered dwelling 
from the tenant regardless of cause, except when a tenant 
perpetrates a serious criminal act that threatens the 
health, life, or safety of other tenants, owners, or staff 
of the property in which the covered dwelling is located. 
(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 
tenant— 
(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) SUNSET.— 
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(1) SUNSET DATE.—The date described in this 
paragraph is the date of the expiration of the 6- 
month period that begins upon the termination by 
the Federal Emergency Management Agency of the 
emergency declared on March 13, 2020, by the 
President under the Robert T. Stafford Disaster Re-
lief and Emergency Assistance Act (42 U.S.C. 4121 
et seq.) relating to the Coronavirus Disease 2019 
(COVID–19) pandemic. 
(2) 
NOTICE
TO
VACATE
AFTER
SUNSET 
DATE.—After the date described in paragraph (1), 
the lessor of a covered dwelling may not require the 
tenant to vacate the covered dwelling before the ex-
piration of the 30-day period that begins upon the 
provision by the lessor to the tenant, after the date 
described in paragraph (1), of a notice to vacate the 
covered dwelling. 
SEC. 103. SUSPENSION OF OTHER CONSUMER LOAN PAY-
MENTS. 
(a) IN GENERAL.—During the COVID–19 emer-
gency, a debt collector may not, with respect to a debt 
of a consumer (other than debt related to a federally re-
lated mortgage loan)— 
(1) capitalize unpaid interest; 
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533 
(2) apply a higher interest rate triggered by the 
nonpayment of a debt to the debt balance; 
(3) charge a fee triggered by the nonpayment of 
a debt; 
(4) sue or threaten to sue for nonpayment of a 
debt; 
(5) continue litigation to collect a debt that was 
initiated before the date of enactment of this section; 
(6) submit or cause to be submitted a confes-
sion of judgment to any court; 
(7) enforce a security interest through reposses-
sion, limitation of use, or foreclosure; 
(8) take or threaten to take any action to en-
force collection, or any adverse action for non-
payment of a debt, or for nonappearance at any 
hearing relating to a debt; 
(9) commence or continue any action to cause 
or to seek to cause the collection of a debt, including 
pursuant to a court order issued before the end of 
the 120-day period following the end of the COVID– 
19 emergency, from wages, Federal benefits, or 
other amounts due to a consumer by way of garnish-
ment, deduction, offset, or other seizure; 
(10) cause or seek to cause the collection of a 
debt, including pursuant to a court order issued be-
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fore the end of the 120-day period following the end 
of the COVID–19 emergency, by levying on funds 
from a bank account or seizing any other assets of 
a consumer; 
(11) commence or continue an action to evict a 
consumer from real or personal property; or 
(12) disconnect or terminate service from utility 
service, including electricity, natural gas, tele-
communications or broadband, water, or sewer. 
(b) RULE OF CONSTRUCTION.—Nothing in this sec-
tion may be construed to prohibit a consumer from volun-
tarily paying, in whole or in part, a debt. 
(c) REPAYMENT PERIOD.—After the expiration of the 
COVID–19 emergency, with respect to a debt described 
under subsection (a), a debt collector— 
(1) may not add to the debt balance any inter-
est or fee prohibited by subsection (a); 
(2) shall, for credit with a defined term or pay-
ment period, extend the time period to repay the 
debt balance by 1 payment period for each payment 
that a consumer missed during the COVID–19 
emergency, with the payments due in the same 
amounts and at the same intervals as the pre-exist-
ing payment schedule; 
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535 
(3) shall, for an open end credit plan (as de-
fined under section 103 of the Truth in Lending 
Act) or other credit without a defined term, allow 
the consumer to repay the debt balance in a manner 
that does not exceed the amounts permitted by for-
mulas under section 170(c) of the Truth in Lending 
Act and regulations promulgated thereunder; 
(4) shall, when the consumer notifies the debt 
collector, offer reasonable and affordable repayment 
plans, loan modifications, refinancing, options with a 
reasonable time in which to repay the debt. 
(d) COMMUNICATIONS IN CONNECTION WITH THE 
COLLECTION OF A DEBT.— 
(1) IN
GENERAL.—During the COVID–19 
emergency, without prior consent of a consumer 
given directly to a debt collector during the COVID– 
19 emergency, or the express permission of a court 
of competent jurisdiction, a debt collector may only 
communicate in writing in connection with the col-
lection of any debt (other than debt related to a fed-
erally related mortgage loan). 
(2) REQUIRED DISCLOSURES.— 
(A) IN GENERAL.—All written communica-
tions described under paragraph (1) shall in-
form the consumer that the communication is 
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for informational purposes and is not an at-
tempt to collect a debt. 
(B) REQUIREMENTS.—The disclosure re-
quired under subparagraph (A) shall be made— 
(i) in type or lettering not smaller 
than 14-point bold type; 
(ii) separate from any other disclo-
sure; 
(iii) in a manner designed to ensure 
that the recipient sees the disclosure clear-
ly; 
(iv) in English and Spanish and in 
any additional languages in which the debt 
collector communicates, including the lan-
guage in which the loan was negotiated, to 
the extent known by the debt collector; and 
(v) may be provided by first-class mail 
or electronically, if the borrower has other-
wise consented to electronic communication 
with the debt collector and has not revoked 
such consent. 
(C) ORAL NOTIFICATION.—Any oral notifi-
cation shall be provided in the language the 
debt collector otherwise uses to communicate 
with the borrower. 
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537 
(D) WRITTEN
TRANSLATIONS.—In pro-
viding written notifications in languages other 
than English in this Section, a debt collector 
may rely on written translations developed by 
the Bureau of Consumer Financial Protection. 
(e) VIOLATIONS.— 
(1) IN GENERAL.—Any person who violates this 
section shall— 
(A) except as provided under subparagraph 
(B), be subject to civil liability in accordance 
with section 813 of the Fair Debt Collection 
Practices Act, as if the person is a debt col-
lector for purposes of that section; and 
(B) be liable to the consumer for an 
amount 10 times the amounts described in such 
section 813, for each violation. 
(2) PREDISPUTE ARBITRATION AGREEMENTS.— 
Notwithstanding any other provision of law, no 
predispute arbitration agreement or predispute joint- 
action waiver shall be valid or enforceable with re-
spect to a dispute brought under this section, includ-
ing a dispute as to the applicability of this section, 
which shall be determined under Federal law. 
(f) TOLLING.—Except as provided in subsection 
(g)(5), any applicable time limitations, including statutes 
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of limitations, related to a debt under Federal or State 
law shall be tolled during the COVID–19 emergency. 
(g) CLAIMS OF AFFECTED CREDITORS AND DEBT 
COLLECTORS.— 
(1) VALUATION OF PROPERTY.—With respect 
to any action asserting a taking under the Fifth 
Amendment of the Constitution of the United States 
as a result of this section or seeking a declaratory 
judgment regarding the constitutionality of this sec-
tion, the value of the property alleged to have been 
taken without just compensation shall be evalu-
ated— 
(A) with consideration of the likelihood of 
full and timely payment of the obligation with-
out the actions taken pursuant to this section; 
and 
(B) without consideration of any assistance 
provided directly or indirectly to the consumer 
from other Federal, State, and local govern-
ment programs instituted or legislation enacted 
in response to the COVID–19 emergency. 
(2) SCOPE OF JUST COMPENSATION.—In an ac-
tion described in paragraph (1), any assistance or 
benefit provided directly or indirectly to the person 
from other Federal, State, and local government 
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programs instituted in or legislation enacted re-
sponse to the COVID–19 emergency, shall be 
deemed to be compensation for the property taken, 
even if such assistance or benefit is not specifically 
provided as compensation for property taken by this 
section. 
(3) APPEALS.—Any appeal from an action 
under this section shall be treated under section 158 
of title 28, United States Code, as if it were an ap-
peal in a case under title 11, United States Code. 
(4) REPOSE.—Any action asserting a taking 
under the Fifth Amendment to the Constitution of 
the United States as a result of this section shall be 
brought within not later than 180 days after the end 
of the COVID–19 emergency. 
(h) CREDIT FACILITY FOR OTHER PURPOSES.— 
(1) ESTABLISHMENT.—The Board of Governors 
of the Federal Reserve System shall establish a facil-
ity that the Board of Governors shall use to make 
payments to covered financial institutions to com-
pensate such institutions for documented financial 
losses caused by the suspension of payments re-
quired under this section. 
(2) COVERED
FINANCIAL
INSTITUTION
DE-
FINED.—In this subsection, the term ‘‘covered finan-
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(A) means any obligation or alleged obliga-
tion that is or during the COVID emergency 
becomes past due— 
(i) for which the original agreement, 
or if there is no agreement, the original ob-
ligation to pay was created before the 
COVID emergency, whether or not such 
obligation has been reduced to judgment; 
and 
(ii) that arises out of a transaction 
with a consumer; and 
(B) does not include a federally related 
mortgage loan. 
(5) DEBT COLLECTOR.—The term ‘‘debt col-
lector’’ means a creditor, and any person or entity 
that engages in the collection of debt, including the 
Federal Government and a State government, irre-
spective of whether the debt is allegedly owed to or 
assigned to that person or to the entity. 
(6) FEDERALLY RELATED MORTGAGE LOAN.— 
The term ‘‘federally related mortgage loan’’ has the 
meaning given that term under section 3 of the Real 
Estate Settlement Procedures Act of 1974 (12 
U.S.C. 2602). 
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