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 
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 
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PAMTMANN on DSKBC07HB2PROD with BILLS
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-
cial institution’’ means the holder of a loan described 
under this section. 
(i) DEFINITIONS.—In this section: 
(1) CONSUMER.—The term ‘‘consumer’’ means 
any individual obligated or allegedly obligated to pay 
any debt. 
(2) 
COVID–19 
EMERGENCY.—The 
term 
‘‘COVID–19 emergency’’ means the period that be-
gins upon the date of the enactment of this Act and 
ends on the date of 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 Relief and Emer-
gency Assistance Act (42 U.S.C. 4121 et seq.) relat-
ing to the Coronavirus Disease 2019 (COVID–19) 
pandemic. 
(3) CREDITOR.—The term ‘‘creditor’’ means— 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(A) any person who offers or extends cred-
it creating a debt or to whom a debt is owed 
or other obligation for payment; 
(B) any lessor of real or personal property; 
or 
(C) any provider of utility services. 
(4) DEBT.—The term ‘‘debt’’— 
(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-
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PAMTMANN on DSKBC07HB2PROD with BILLS
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). 
SEC. 105. EMERGENCY RENTAL ASSISTANCE. 
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated for grants under the Emer-
gency Solutions Grants program under subtitle B of title 
IV of the McKinney-Vento Homeless Assistance Act (42 
U.S.C. 11371 et seq.) $100,000,000,000 for grants under 
such subtitle only for providing rental assistance in ac-
cordance with section 415(a)(4) of such Act (42 U.S.C. 
11374(a)(4)) and this section to respond to needs arising 
from the emergency declared on March 13, 2020, by the 
President under the Robert T. Stafford Disaster Relief 
and Emergency Assistance Act (42 U.S.C. 4121 et seq.) 
relating to the Coronavirus Disease 2019 (COVID–19) 
pandemic. 
(b) INCOME TARGETING.—For purposes of assistance 
made available with amounts made available pursuant to 
subsection (a)— 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(1) section 401(1)(A) of the McKinney-Vento 
Homeless Assistance Act (42 U.S.C. 11360(1)(A)) 
shall be applied by substituting ‘‘80 percent’’ for 
‘‘30 percent’’; and 
(2) each grantee of such amounts shall use not 
less than 50 percent of the amounts received only 
for providing assistance for persons or families expe-
riencing homelessness or at risk of homelessness, 
who have incomes not exceeding 50 percent of the 
median income for the relevant geographic area; ex-
cept that the Secretary may waive the requirement 
under this paragraph if the grantee demonstrates to 
the satisfaction of the Secretary that the population 
in the geographic area served by the grantee having 
such incomes is sufficiently being served with respect 
to activities eligible for funding with such amounts. 
(c) DEFINITION OF AT RISK OF HOMELESSNESS.— 
For purposes of assistance made available with amounts 
made available pursuant to subsection (a), section 401(1) 
of the McKinney-Vento Homeless Assistance Act shall be 
applied, during the period that begins on the date of the 
enactment of this Act and ends upon 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 
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Robert T. Stafford Disaster Relief and Emergency Assist-
ance Act (42 U.S.C. 4121 et seq.) relating to the 
Coronavirus Disease 2019 (COVID-19) pandemic, as if 
subparagraph (C) were repealed. 
(d) 
3-YEAR
AVAILABILITY.—Each 
grantee 
of 
amounts made available pursuant to subsection (a) shall 
expend— 
(1) at least 60 percent of such grant amounts 
within 2 years of the date that such funds became 
available to the grantee for obligation; and 
(2) 100 percent of such grant amounts within 
3 years of such date. 
The Secretary may recapture any amounts not expended 
in compliance with paragraph (1) of this subsection and 
reallocate such amounts to grantees in compliance with 
the formula referred to in subsection (h)(1)(A) of this sec-
tion. 
(e) RENT RESTRICTIONS.—Paragraph (1) of section 
576.106(d) of the Secretary’s regulations (24 C.F.R. 
576.106(d)(1)) shall be applied, with respect to rental as-
sistance made available with amounts made available pur-
suant to subsection (a), by substituting ‘‘120 percent of 
the Fair Market Rent’’ for ‘‘the Fair Market Rent’’. 
(f) SUBLEASES.—Notwithstanding the second sen-
tence of subsection (g) of section 576.106 of the Sec-
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PAMTMANN on DSKBC07HB2PROD with BILLS
retary’s regulations (24 C.F.R. 576.106(g)), a program 
participant may sublet, with rental assistance made avail-
able with amounts made available pursuant to subsection 
(a) of this section, a dwelling unit from a renter of the 
dwelling unit if there is a legally binding, written lease 
agreement for such sublease. 
(g) HOUSING RELOCATION OR STABILIZATION AC-
TIVITIES.—A grantee of amounts made available pursuant 
to subsection (a) may expend up to 20 percent of its allo-
cation for activities under section 415(a)(5) of the McKin-
ney-Vento 
Homeless 
Assistance 
Act 
(42 
U.S.C. 
11374(a)(5)). 
(h) ALLOCATION OF ASSISTANCE.— 
(1) IN GENERAL.—In allocating amounts made 
available pursuant to subsection (a), the Secretary of 
Housing and Urban Development shall— 
(A) not later than 30 days after the date 
of the enactment of this Act, allocate any such 
amounts that do not exceed $50,000,000,000 
under the formula specified in subsections (a), 
(b), and (e) of section 414 of the McKinney- 
Vento Homeless Assistance Act (42 U.S.C. 
11373) to, and notify, each State, metropolitan 
city, and urban county that is to receive a di-
rect grant of such amounts; and 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(B) not later than 120 days after the date 
of the enactment of this Act, allocate any re-
maining amounts to eligible grantees by a for-
mula to be developed by the Secretary of Hous-
ing and Urban Development that takes into 
consideration the formula referred to in sub-
paragraph (A) of this paragraph, and the need 
for emergency rental assistance under this sec-
tion, including severe housing cost burden 
among extremely low- and very low-income 
renters and disruptions in housing and eco-
nomic conditions, including unemployment. 
(2) ALLOCATIONS TO STATES.—A State recipi-
ent of an allocation under this section may elect to 
directly administer up to 50 percent of its allocation 
to carry out activities eligible under this section. 
(3) ELECTION
NOT
TO
ADMINISTER.—If a 
grantee elects not to receive funds under this sec-
tion, such funds shall be allocated to the State re-
cipient in which the grantee is located. 
(i) INAPPLICABILITY
OF
MATCHING
REQUIRE-
MENT.—Subsection (a) of section 416 of the McKinney- 
Vento Homeless Assistance Act (42 U.S.C. 11375(a)) 
shall not apply to any amounts made available pursuant 
to subsection (a) of this section. 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(j) PROHIBITION ON PREREQUISITES.—None of the 
funds authorized under this section may be used to require 
people experiencing homelessness to receive treatment or 
perform any other prerequisite activities as a condition for 
receiving shelter, housing, or other services. 
(k) PUBLIC HEARINGS.— 
(1) INAPPLICABILITY OF IN-PERSON HEARING 
REQUIREMENTS.—A grantee may not be required to 
hold in-person public hearings in connection with its 
citizen participation plan, but shall provide citizens 
with notice and a reasonable opportunity to com-
ment of not less than 15 days. Following 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 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, and after the period de-
scribed in paragraph (2), the Secretary shall direct 
grantees to resume pre-crisis public hearing require-
ments. 
(2) VIRTUAL PUBLIC HEARINGS.—During the 
period that national or local health authorities rec-
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PAMTMANN on DSKBC07HB2PROD with BILLS
ommend social distancing and limiting public gath-
erings for public health reasons, a grantee may ful-
fill applicable public hearing requirements for all 
grants from funds made available pursuant to this 
section by carrying out virtual public hearings. Any 
such virtual hearings shall provide reasonable notifi-
cation and access for citizens in accordance with the 
grantee’s certifications, timely responses from local 
officials to all citizen questions and issues, and pub-
lic access to all questions and responses. 
(l) ADMINISTRATION.—Of any amounts made avail-
able pursuant to subsection (a), not more than the lesser 
of 0.5 percent, or $15,000,000, may be used for staffing, 
training, technical assistance, technology, monitoring, re-
search, and evaluation activities necessary to carry out the 
program carried out under this section, and such amounts 
shall remain available until September 30, 2024. 
SEC. 106. EMERGENCY HOMELESS ASSISTANCE. 
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated under the Emergency Solu-
tions Grants program under subtitle B of title IV of the 
McKinney-Vento Homeless Assistance Act (42 U.S.C. 
11371 et seq.) $15,500,000,000 for grants under such 
subtitle in accordance with this section to respond to needs 
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PAMTMANN on DSKBC07HB2PROD with BILLS
arising from the public health emergency relating to 
Coronavirus Disease 2019 (COVID-19). 
(b) FORMULA.—Notwithstanding sections 413 and 
414 of the McKinney-Vento Homeless Assistance Act (42 
U.S.C. 11372, 11373), the Secretary of Housing and 
Urban Development (in this Act referred to as the ‘‘Sec-
retary’’) shall allocate amounts made available pursuant 
to subsection (a) in accordance with a formula to be estab-
lished by the Secretary that takes into consideration the 
following factors: 
(1) Risk of transmission of coronavirus in a ju-
risdiction. 
(2) Whether a jurisdiction has a high number 
or rate of sheltered and unsheltered homeless indi-
viduals and families. 
(3) Economic and housing market conditions in 
a jurisdiction. 
(c) ELIGIBLE ACTIVITIES.—In addition to eligible ac-
tivities under section 415(a) of the McKinney-Vento 
Homeless Assistance Act (42 U.S.C. 11374(a)), amounts 
made available pursuant to subsection (a) may also be 
used for costs of the following activities: 
(1) Providing training on infectious disease pre-
vention and mitigation. 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(2) Providing hazard pay, including for time 
worked before the effectiveness of this clause, for 
staff working directly to prevent and mitigate the 
spread of coronavirus or COVID-19 among people 
experiencing or at risk of homelessness. 
(3) Reimbursement of costs for eligible activi-
ties (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. 
Use of such amounts for activities described in this para-
graph shall not be considered use for administrative pur-
poses for purposes of section 418 of the McKinney-Vento 
Homeless Assistance Act (42 U.S.C. 11377). 
(d) INAPPLICABILITY
OF PROCUREMENT STAND-
ARDS.—To the extent amounts made available pursuant 
to subsection (a) 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 re-
quirements regarding procurement that are otherwise ap-
plicable shall not apply. 
(e) INAPPLICABILITY OF HABITABILITY AND ENVI-
RONMENTAL REVIEW STANDARDS.—Any Federal stand-
ards and requirements regarding habitability and environ-
mental review shall not apply with respect to any emer-
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gency shelter that is assisted with amounts made available 
pursuant to subsection (a) and has been determined by 
a State or local health official, in accordance with such 
requirements as the Secretary shall establish, to be nec-
essary to prevent and mitigate the spread of coronavirus 
or COVID-19, such shelters. 
(f) INAPPLICABILITY OF CAP ON EMERGENCY SHEL-
TER ACTIVITIES.—Subsection (b) of section 415 of the 
McKinney-Vento Homeless Assistance Act shall not apply 
to any amounts made available pursuant to subsection 
(a)(1) of this section. 
(g) INITIAL ALLOCATION OF ASSISTANCE.—Section 
417(b) of the McKinney-Vento Homeless Assistance Act 
(42 U.S.C. 11376(b)) shall be applied with respect to 
amounts made available pursuant to subsection (a) by 
substituting ‘‘30-day’’ for ‘‘60-day’’. 
(h) WAIVERS AND ALTERNATIVE REQUIREMENTS.— 
(1) AUTHORITY.—In administering amounts 
made available pursuant to subsection (a), the Sec-
retary may waive, or specify alternative require-
ments for, any provision of any statute or regulation 
(except for any requirements related to fair housing, 
nondiscrimination, labor standards, and the environ-
ment) that the Secretary administers in connection 
with the obligation or use by the recipient of such 
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amounts, if the Secretary finds that good cause ex-
ists for the waiver or alternative requirement and 
such waiver or alternative requirement is consistent 
with the purposes described in this subsection. 
(2) 
EFFECTIVENESS; 
APPLICABILITY.—Any 
such waivers shall be deemed to be effective as of 
the date a State or unit of local government began 
preparing for coronavirus and shall apply to the use 
of amounts made available pursuant to subsection 
(a) and amounts provided in prior appropriation 
Acts for fiscal year 2020 under the heading ‘‘De-
partment of Housing and Urban Development— 
Community Planning and Development—Commu-
nity Development Fund’’ and used by recipients for 
the purposes described in this subsection. 
(3) NOTIFICATION.—The Secretary shall notify 
the public through the Federal Register or other ap-
propriate means 5 days before the effective date of 
any such waiver or alternative requirement, and any 
such public notice may be provided on the internet 
at the appropriate Government website or through 
other electronic media, as determined by the Sec-
retary. 
(4) EXEMPTION.—The use of amounts made 
available pursuant to subsection (a) shall not be sub-
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PAMTMANN on DSKBC07HB2PROD with BILLS
ject to the consultation, citizen participation, or 
match requirements that otherwise 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 ap-
propriate Government website or through other elec-
tronic media. 
(i) INAPPLICABILITY
OF
MATCHING
REQUIRE-
MENT.—Subsection (a) of section 416 of the McKinney- 
Vento Homeless Assistance Act (42 U.S.C. 11375(a)) 
shall not apply to any amounts made available pursuant 
to subsection (a) of this section. 
(j) PROHIBITION ON PREREQUISITES.—None of the 
funds authorized under this section may be used to require 
people experiencing homelessness to receive treatment or 
perform any other prerequisite activities as a condition for 
receiving shelter, housing, or other services. 
SEC. 107. PARTICIPATION OF INDIAN TRIBES AND TRIB-
ALLY DESIGNATED HOUSING ENTITIES IN 
CONTINUUM OF CARE PROGRAM. 
(a) IN GENERAL.—Title IV of the McKinney-Vento 
Homeless Assistance Act (42 U.S.C. 11360 et seq.) is 
amended— 
(1) in section 401 (42 U.S.C. 11360)— 
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‘‘SEC. 435. PARTICIPATION OF INDIAN TRIBES AND TRIB-
ALLY DESIGNATED HOUSING ENTITIES. 
‘‘Notwithstanding any other provision of this title, for 
purposes of this subtitle, an Indian Tribe or tribally des-
ignated housing entity (as defined in section 4 of the Na-
tive American Housing Assistance and Self-Determination 
Act of 1996 (25 U.S.C. 4103)) may— 
‘‘(1) be a collaborative applicant or eligible enti-
ty; or 
‘‘(2) receive grant amounts from another entity 
that receives a grant directly from the Secretary, 
and use the amounts in accordance with this sub-
title.’’. 
(b) TECHNICAL AND CONFORMING AMENDMENT.— 
The table of contents in section 101(b) of the McKinney- 
Vento Homeless Assistance Act (Public Law 100–77; 101 
Stat. 482) is amended by inserting after the item relating 
to section 434 the following: 
‘‘Sec. 435. Participation of Indian Tribes and tribally designated housing enti-
ties.’’. 
SEC. 108. HOUSING ASSISTANCE FUND. 
(a) DEFINITIONS.—In this section: 
(1) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of the Treasury. 
(2) STATE.—The term ‘‘State’’ means any 
State of the United States, the District of Columbia, 
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PAMTMANN on DSKBC07HB2PROD with BILLS
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 Housing As-
sistance Fund to provide such funds as are allocated in 
subsection (f) to State housing finance agencies for the 
purpose of preventing homeowner mortgage defaults, fore-
closures, and displacements of individuals and families ex-
periencing financial hardship after January 21, 2020. 
(c) ALLOCATION OF FUNDS.— 
(1) IN GENERAL.—The Secretary of the Treas-
ury shall establish such criteria as are necessary to 
allocate the funds available within the Housing As-
sistance Fund to each State. The Secretary shall al-
locate such funds among all States taking into con-
sideration the number of unemployment claims with-
in a State relative to the nationwide number of un-
employment claims. 
(2) SMALL STATE MINIMUM.—Each State shall 
receive no less than $125,000,000 for the purposes 
established in subsection (b). 
(d) DISBURSEMENT OF FUNDS.— 
(1) INITIAL
DISBURSEMENT.—The Secretary 
shall disburse to the State housing finance agencies 
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not less than 1⁄2 of the amount made available pur-
suant to this section, and in accordance with the al-
locations established under subsection (c), not later 
than 120 days after the date of enactment of this 
Act. The Secretary or designee shall enter into a 
contract with each State housing finance agency, 
which may be amended from time to time, estab-
lishing the terms of the use of such funds prior to 
the disbursement of such funds. 
(2) SECOND
DISBURSEMENT.—The Secretary 
shall disburse all funds made available pursuant to 
this section, and in accordance with the allocations 
established under subsection (c), not later than 180 
days after the date of enactment of this Act. 
(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; 
(B) financial assistance to allow a bor-
rower to reinstate their mortgage following a 
period of forbearance; 
(C) principal reduction; 
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PAMTMANN on DSKBC07HB2PROD with BILLS
(D) utility payment assistance, including 
electric, gas, and water payment assistance; 
(E) any program established under the 
Housing Finance Agency Innovation Fund for 
the Hardest Hit Housing Markets; 
(F) 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 Housing Assistance Fund, 
for the purpose of providing housing or utility 
assistance to individuals or otherwise providing 
funds to prevent foreclosure or eviction of a 
homeowner or prevent mortgage delinquency or 
loss of housing or critical utilities as a response 
to the coronavirus disease 2019 (COVID–19) 
pandemic; and 
(G) any other assistance to prevent evic-
tion, mortgage delinquency or default, fore-
closure, or the loss of essential utility services. 
(2) ADMINISTRATIVE EXPENSES.—Not greater 
than 10 percent of the amount allocated to a State 
pursuant to subsection (c) may be used by a State 
housing financing agency for administrative ex-
penses. Any amounts allocated to administrative ex-
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penses that are no longer necessary for administra-
tive expenses may be used in accordance with para-
graph (1). 
(f) AUTHORIZATION OF APPROPRIATION.—There is 
authorized to be appropriated for the fiscal year ending 
September 30, 2020, to remain available until expended 
or 
transferred 
or 
credited 
under 
subsection 
(h), 
$35,000,000,000 to the Housing Assistance Fund estab-
lished under subsection (b). 
(g) 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 
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with Secretary created pursuant to subsection (d)(1) and 
the terms of subsection (h). 
(h) RESCISSION OF FUNDS.—Any funds that have 
not been allocated by a State housing finance agency to 
provide assistance as described under subsection (e) by 
December 31, 2030, shall be reallocated by the Secretary 
in the following manner: 
(1) 65 percent shall be transferred or credited 
to the Housing Trust Fund established under sec-
tion 1338 of the Federal Housing Enterprises Fi-
nancial Safety and Soundness Act of 1992 (12 
U.S.C. 4568); and 
(2) 35 percent shall be transferred or credited 
to the Capital Magnet Fund under section 1339 of 
the Federal Housing Enterprises Financial Safety 
and Soundness Act of 1992 (12 U.S.C. 4569). 
(i) REPORTING
REQUIREMENTS.—The Secretary 
shall provide public reports not less frequently than quar-
terly regarding the use of funds provided by the Housing 
Assistance Funds. Such reports shall include the following 
data by State and by program within each State, both for 
the past quarter and throughout the life of the program— 
(1) the amount of funds allocated; 
(2) the amount of funds disbursed; 
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(i) in subparagraph (D), by striking 
‘‘or’’ at the end; 
(ii) by redesignating subparagraph 
(E) as subparagraph (G); and 
(iii) by inserting after subparagraph 
(D) the following: 
‘‘(E) commence or continue any judicial 
foreclosure action or non-judicial foreclosure 
process or any action to evict a consumer fol-
lowing a foreclosure during the COVID–19 
emergency or the 180-day period following such 
emergency (except that such prohibition shall 
not apply to a mortgage secured by a dwelling 
that the servicer has determined after exer-
cising reasonable diligence is vacant or aban-
doned); 
‘‘(F) fail to toll the time in a foreclosure 
process on a property during the COVID–19 
emergency or the 180-day period following such 
emergency (except that such prohibition shall 
not apply to a mortgage secured by a dwelling 
that the servicer has determined after exer-
cising reasonable diligence is vacant or aban-
doned); or’’. 
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