594 
‘‘(2) COVID–19 EMERGENCY
PERIOD.—The 
term ‘COVID–19 emergency period’ means the pe-
riod that begins upon the date of the enactment of 
this Act and ends upon the date of the termination 
by the Federal Emergency Management Administra-
tion 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. 
‘‘(3) CREDITOR.—The term ‘creditor’ means 
any person who offers or extends credit creating a 
debt or to whom a debt is owed or other obligation 
of payment. 
‘‘(4) DEBT.—The term ‘debt’— 
‘‘(A) means any past due obligation or al-
leged obligation of a consumer, non-profit orga-
nization, or small business to pay money— 
‘‘(i) arising out of a transaction in 
which the money, property, insurance, or 
services which are the subject of the trans-
action are primarily for personal, family, 
business, non-profit, or household pur-
poses, whether or not such obligation has 
been reduced to judgment; 
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‘‘(ii) owed to a local, State, or Federal 
government; 
‘‘(B) does not include federally related 
mortgages (as defined under section 3 of the 
Real Estate Settlement Procedures Act of 
1974) unless a deficiency judgment has been 
made with respect to such federally related 
mortgage. 
‘‘(5) DEBT COLLECTOR.—The term ‘debt col-
lector’ includes a creditor and any person or entity 
that engages in the collection of debt (including the 
Federal Government or a State government) whether 
or not the debt is allegedly owed to or assigned to 
that person or entity. 
‘‘(6) DEPOSITORY INSTITUTION.—The term ‘de-
pository institution’— 
‘‘(A) has the meaning given that term 
under section 3 of the Federal Deposit Insur-
ance Act; and 
‘‘(B) means a Federal or State credit 
union (as such terms are defined, respectively, 
under section 101 of the Federal Credit Union 
Act.) 
‘‘(7) NON-PROFIT
ORGANIZATION.—The term 
‘non-profit organization’ means an organization de-
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596 
scribed in section 501(c)(3) of the Internal Revenue 
Code of 1986 and exempt from taxation under sub-
section (a) of such section. 
‘‘(8) SMALL BUSINESS.—The term ‘small busi-
ness’ has the meaning given the term ‘small business 
concern’ under section 3 of the Small Business Act 
(15 U.S.C. 632). 
‘‘(b) PROHIBITIONS.—Notwithstanding any other 
provision of law, during COVID–19 emergency period and 
the 120-day period immediately following, a debt collector 
is prohibited from— 
‘‘(1) capitalizing or adding extra interest or fees 
triggered by the non-payment of an obligation by a 
consumer, small business, or non-profit organization 
to the balance of an account; 
‘‘(2) suing or threatening to sue a consumer, 
small business, or non-profit for a past-due debt; 
‘‘(3) continuing litigation initiated before the 
date of enactment of this section to collect a debt 
from a consumer, small business, or non-profit orga-
nization; 
‘‘(4) enforcing a security interest, including 
through repossession or foreclosure, against a con-
sumer, small business, or non-profit organization; 
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‘‘(5) reporting a past due debt of a consumer, 
small business, or non-profit organization to a con-
sumer reporting agency; 
‘‘(6) taking or threatening to take any action to 
enforce collection, or any adverse action against a 
consumer, small business, or non-profit organization 
for non-payment or for non-appearance at any hear-
ings related to a debt; 
‘‘(7) except with respect to enforcing an order 
for child support or spousal support, initiating or 
continuing any action to cause or to seek to cause 
the collection of a debt from wages, Federal benefits, 
or other amounts due to a consumer, small business, 
or non-profit organization, by way of garnishment, 
deduction, offset, or other seizure, or to cause or 
seek to cause the collection of a debt by seizing 
funds from a bank account or any other assets held 
by such consumer, small business, or non-profit or-
ganization; 
‘‘(8) in the case of action or collection described 
under paragraph (7) that was initiated prior to the 
beginning of the date of such disaster or emergency, 
failing to suspend the action or collection until 120 
days after the end of the COVID–19 emergency pe-
riod; 
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‘‘(9) upon the termination of the incident period 
for such disaster or emergency, failing to extend the 
time period to pay an obligation by one payment pe-
riod for each payment that a consumer, small busi-
ness, or non-profit organization missed during the 
incident period, with the payments due in the same 
amounts and at the same intervals as the pre-exist-
ing payment schedule of the consumer, small busi-
ness, or non-profit organization (as applicable) or, if 
the debt has no payment periods, allow the con-
sumer, small business, or non-profit a reasonable 
time in which to repay the debt in affordable pay-
ments; 
‘‘(10) disconnecting a consumer, small business, 
or non-profit organization from a utility prepaid or 
post-paid electricity, natural gas, telecommuni-
cations, broadband, water, or sewer service; or 
‘‘(11) exercising a right to set off provision con-
tained in any consumer, small business, or non-prof-
it organization account agreement with a depository 
institution. 
‘‘(c) VIOLATION.—Any person who violates a provi-
sion of this section shall— 
‘‘(1) be treated as a debt collector for purposes 
of section 813; and 
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‘‘(2) be liable to the consumer, small business, 
or non-profit organization an amount equal to 10 
times the damages allowed under section 813 for 
each such violation.’’. 
(2) TABLE OF CONTENTS AMENDMENT.—The 
table of contents at the beginning of the Fair Debt 
Collection Practices Act (15 U.S.C. 1692 et seq.) is 
amended by inserting after the item relating to sec-
tion 812 the following new item: 
‘‘812A. Temporary debt collection moratorium during the COVID–19 emergency 
period.’’. 
(b) CONFESSIONS OF JUDGMENT PROHIBITION.— 
(1) IN GENERAL.—Chapter 2 of the Truth in 
Lending Act (15 U.S.C. 1631 et seq.) is amended— 
(A) by adding at the end the following: 
‘‘§ 140B. Confessions of judgment prohibition 
‘‘(a) IN GENERAL.—During a period described under 
section 812A(b) of the Fair Debt Collection Practices Act, 
no person may directly or indirectly take or receive from 
another person or seek to enforce an obligation that con-
stitutes or contains a cognovit or confession of judgment 
(for purposes other than executory process in the State 
of Louisiana), warrant of attorney, or other waiver of the 
right to notice and the opportunity to be heard in the 
event of suit or process thereon. 
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‘‘(b) EXEMPTION.—The exemption in section 104(1) 
shall not apply to this section. 
‘‘(c) DEBT DEFINED.—In this section, the term 
‘debt’ means any obligation of a person to pay to another 
person money— 
‘‘(1) regardless of whether the obligation is ab-
solute or contingent, if the understanding between 
the parties is that any part of the money shall be 
or may be returned; 
‘‘(2) that includes the right of the person pro-
viding the money to an equitable remedy for breach 
of performance if the breach gives rise to a right to 
payment; and 
‘‘(3) regardless of whether the obligation or 
right to an equitable remedy described in paragraph 
(2) has been reduced to judgment or is fixed, contin-
gent, matured, unmatured, disputed, undisputed, se-
cured, or unsecured.’’; and 
(B) in the table of contents for such chap-
ter, by adding at the end the following: 
‘‘140B. Confessions of judgment prohibition.’’. 
(2) 
CONFORMING
AMENDMENT.—Section 
130(a) of the Truth in Lending Act (15 U.S.C. 
1640(a)) is amended by adding at the end the fol-
lowing: ‘‘For purposes of this section, the term 
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‘creditor’ refers to any person charged with compli-
ance.’’. 
SEC. 111. DISASTER PROTECTION FOR WORKERS’ CREDIT. 
(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 disas-
ters 
‘‘(a) DEFINITIONS.—In this section: 
‘‘(1) COVID–19 EMERGENCY
PERIOD.—The 
term ‘COVID–19 emergency period’ means the pe-
riod beginning on the date of enactment of this sec-
tion and ending on the later of— 
‘‘(A) 120 days after the date of enactment 
of this section; or 
‘‘(B) 120 days after the date of termi-
nation by the Federal Emergency Management 
Administration of the emergency declared on 
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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.) 
relating to the Coronavirus Disease 2019 
(COVID–19) pandemic. 
‘‘(2) COVERED MAJOR DISASTER PERIOD.—The 
term ‘covered major disaster period’ means— 
‘‘(A) the period beginning on the date on 
which a major disaster is declared by the Presi-
dent under 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), and ending on the date that is 
120 days after the end of the incident period 
designated in such declaration; or 
‘‘(B) the period ending 120 days after the 
date of termination by the Federal Emergency 
Management Administration of 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. 
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603 
‘‘(3) MAJOR DISASTER.—The term ‘major dis-
aster’ means a major disaster declared by the Presi-
dent under section 401 of the Robert T. Stafford 
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) 
‘‘(b) MORATORIUM ON FURNISHING ADVERSE IN-
FORMATION DURING COVID–19 EMERGENCY PERIOD.— 
No person may furnish any adverse item of information 
(except information related to a felony criminal conviction) 
relating to a consumer that was the result of any action 
or inaction that occurred during the COVID–19 emer-
gency period. 
‘‘(c) MORATORIUM ON FURNISHING ADVERSE INFOR-
MATION DURING COVERED MAJOR DISASTER PERIOD.— 
No person may furnish any adverse item of information 
(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 major disaster 
period if the consumer is a resident of the affected area 
covered by a declaration made by the President under sec-
tion 401 of the Robert T. Stafford 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). 
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604 
‘‘(d) 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) reported relating to a consumer that was the 
result of any action or inaction that occurred during the 
COVID–19 emergency period or a covered major disaster 
period, and as applicable under subsection (f)(3), for 270 
days after the expiration of the applicable period. 
‘‘(e) SUMMARY OF RIGHTS.—Not later than 60 days 
after the date of enactment of this subsection, the Bureau 
shall update the model summary of rights under section 
609(c)(1) to include a description of the right of a con-
sumer to— 
‘‘(1) request the deletion of adverse items of in-
formation under subsection (f); and 
‘‘(2) request a consumer report or score, with-
out charge to the consumer, under subsection (g). 
‘‘(f) 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-
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605 
section, the Bureau shall create a website for 
consumers to report, under penalty of perjury, 
economic 
hardship 
as 
a 
result 
of 
the 
coronavirus disease (COVID–19) outbreak or a 
major disaster (if the consumer is a resident of 
the affected area covered by such major dis-
aster) for the purpose of extending credit report 
protection for an additional 270 days after the 
end of the COVID–19 emergency period or cov-
ered major disaster period, as applicable. 
‘‘(B) 
DOCUMENTATION.—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 the COVID–19 emergency pe-
riod or a covered major disaster period, as ap-
plicable, and for 60 days thereafter. 
‘‘(2) DATABASE.—The Bureau shall establish 
and maintain a secure database that— 
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‘‘(A) is accessible to each consumer report-
ing agency described in section 603(p) and na-
tionwide 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-
mation related to a felony criminal conviction) 
reported that occurred during the COVID–19 
emergency period or a covered major disaster 
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-
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action that occurred during the COVID–19 
emergency period or a covered major disaster 
period up to 270 days following the end of the 
such 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-
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 to delete from the consumer’s file an adverse 
item of information (except information related 
to a felony criminal conviction) that was a re-
sult of an action or inaction that occurred dur-
ing the COVID–19 emergency period or a cov-
ered major disaster period up to 270 days fol-
lowing the end of the such period. 
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608 
‘‘(B) TIMING.—A consumer may submit a 
request under subparagraph (A), not later than 
270-day period described in that subparagraph. 
‘‘(C) REMOVAL AND NOTIFICATION.—Upon 
receiving a request under this paragraph to de-
lete an adverse item of information, a consumer 
reporting 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 fur-
nisher of the adverse item of information 
of the deletion. 
‘‘(g) FREE CREDIT REPORT AND SCORES.— 
‘‘(1) IN
GENERAL.—During the COVID–19 
emergency period or a covered major disaster period 
and ending 12 months after the expiration of the 
COVID–19 emergency period or covered major dis-
aster period, as applicable, each consumer reporting 
agency as described under 603(p) and nationwide 
specialty consumer reporting 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 num-
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609 
ber of requests. 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 con-
sumer 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 the 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 re-
quest 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). 
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610 
‘‘(4) PROHIBITION.—A consumer reporting 
agency that receives a request under paragraph (1) 
may not request or require any documentation from 
the consumer that demonstrates that the consumer 
was impacted by the coronavirus disease (COVID– 
19) outbreak or a major disaster (except to verify 
that the consumer resides in an area covered by the 
major disaster) as a condition of receiving the file 
disclosure or score. 
‘‘(h) POSTING OF RIGHTS.—Not later than 30 days 
after the date of enactment of this section, each consumer 
reporting agency shall prominently post and maintain a 
direct link on the homepage of the public website of the 
consumer reporting agency information relating to the 
right of consumers to— 
‘‘(1) request the deletion of adverse items of in-
formation (except information related to a felony 
criminal conviction) under subsection (f); and 
‘‘(2) request consumer file disclosures and 
scores, without charge to the consumer, under sub-
section (g). 
‘‘(i) BAN ON REPORTING MEDICAL DEBT INFORMA-
TION RELATED TO COVID–19 OR A MAJOR DISASTER.— 
‘‘(1) FURNISHING BAN.—No person shall fur-
nish adverse information to a consumer reporting 
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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 
(whether or not the expenses were incurred during 
the COVID–19 emergency period or covered major 
disaster period). 
‘‘(2) CONSUMER REPORT BAN.—No consumer 
reporting agency may made a consumer report con-
taining adverse information related to medical debt 
if such medical debt is with respect to medical ex-
penses related to treatments arising from COVID– 
19 or a major disaster (whether or not the expenses 
were incurred during the COVID–19 emergency pe-
riod or covered major disaster period). 
‘‘(j) CREDIT SCORING MODELS.—A person that cre-
ates and implements credit scoring models may not treat 
the absence, omission, or deletion of any information pur-
suant to this section as a negative factor or negative value 
in credit scoring models created or implemented by such 
person.’’. 
(2) TECHNICAL
AND
CONFORMING
AMEND-
MENT.—The table of contents for the Fair Credit 
Reporting Act is amended by inserting after the 
item relating to section 605B the following: 
‘‘605C. Reporting of information during major disasters.’’. 
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612 
(c) LIMITATIONS ON NEW CREDIT SCORING MODELS 
DURING THE COVID–19 EMERGENCY AND MAJOR DIS-
ASTERS.—The Fair Credit Reporting Act (15 U.S.C. 1681 
et seq.) is amended— 
(1) by adding at the end the following: 
‘‘§ 630. Limitations on new credit scoring models dur-
ing the COVID–19 emergency and major 
disasters 
‘‘With respect to a person that creates and imple-
ments credit scoring models, such person may not, during 
the COVID–19 emergency period or a covered major dis-
aster period (as such terms are defined under section 
605C), create or implement a new credit scoring model 
(including a revision to an existing scoring model) if the 
new credit scoring model would identify a significant per-
centage of consumers as being less creditworthy when 
compared to the previous credit scoring models created or 
implemented by such person.’’; and 
(2) in the table of contents for such Act, by 
adding at the end the following new item: 
‘‘630. Limitations on new credit scoring models during major disasters.’’. 
SEC. 112. STUDENT LOANS. 
(a) PAYMENTS FOR PRIVATE EDUCATION LOAN BOR-
ROWERS AS A RESULT OF THE COVID–19 NATIONAL 
EMERGENCY.—Section 140 of the Truth in Lending Act 
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613 
(15 U.S.C. 1650) is amended by adding at the end the 
following new subsection: 
‘‘(h) COVID–19 NATIONAL EMERGENCY PRIVATE 
EDUCATION LOAN REPAYMENT ASSISTANCE.— 
‘‘(1) AUTHORITY.—Effective on the date of the 
enactment of this section, for the duration of the 
COVID–19 emergency period and the 6-month pe-
riod immediately following, the Secretary of the 
Treasury shall, for each borrower of a private edu-
cation loan, pay the total amount due for such 
month on the loan, based on the payment plan se-
lected by the borrower or the borrower’s loan status. 
‘‘(2) NO CAPITALIZATION OF INTEREST.—With 
respect to any loan in repayment during the 
COVID–19 national emergency period and the 6- 
month period immediately following, interest due on 
a private education loan during such period shall not 
be capitalized at any time during the COVID–19 na-
tional emergency period and the 6-month period im-
mediately following. 
‘‘(3) REPORTING
TO
CONSUMER
REPORTING 
AGENCIES.—During the period in which the Sec-
retary of the Treasury is making payments on a 
loan under paragraph (1), the Secretary shall ensure 
that, for the purpose of reporting information about 
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614 
the loan to a consumer reporting agency, any pay-
ment made by the Secretary is treated as if it were 
a regularly scheduled payment made by a borrower. 
‘‘(4) NOTICE OF PAYMENTS AND PROGRAM.— 
Not later than 15 days following the date of enact-
ment of this subsection, and monthly thereafter dur-
ing the COVID–19 national emergency period and 
the 6-month period immediately following, the Sec-
retary of the Treasury shall provide a notice to all 
borrowers of private education loans— 
‘‘(A) informing borrowers of the actions 
taken under this subsection; 
‘‘(B) providing borrowers with an easily 
accessible method to opt out of the benefits pro-
vided under this subsection; and 
‘‘(C) notifying the borrower that the pro-
gram under this subsection is a temporary pro-
gram and will end 6 months after the COVID– 
19 national emergency period ends. 
‘‘(5) SUSPENSION
OF
INVOLUNTARY
COLLEC-
TION.—During the COVID–19 national emergency 
period and the 6-month period immediately fol-
lowing, the holder of a private education loan shall 
immediately take action to halt all involuntary col-
lection related to the loan. 
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615 
‘‘(6) MANDATORY FORBEARANCE.—During the 
period in which the Secretary of the Treasury is 
making payments on a loan under paragraph (1), 
the servicer of such loan shall grant the borrower 
forbearance as follows: 
‘‘(A) A temporary cessation of all pay-
ments on the loan other than the payments of 
interest and principal on the loan that are made 
under paragraph (1). 
‘‘(B) For borrowers who are delinquent 
but who are not yet in default before the date 
on which the Secretary begins making payments 
under paragraph (1), the retroactive application 
of forbearance to address any delinquency. 
‘‘(7) DATA
TO
IMPLEMENT.—Holders and 
servicers of private education loans shall report, to 
the satisfaction of the Secretary of the Treasury, the 
information necessary to calculate the amount to be 
paid under this section. 
‘‘(8) COVID–19 
EMERGENCY
PERIOD
DE-
FINED.—In this subsection, 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 Management Administration of the 
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616 
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.’’. 
(b) ADDITIONAL PROTECTIONS FOR PRIVATE STU-
DENT LOAN BORROWERS.— 
(1) Each private education loan holder who re-
ceives any monthly payment pursuant to this section 
must modify all private education loan contracts 
that it holds to provide for the same repayment plan 
and forgiveness terms available to Direct Loans bor-
rowers under 34 C.F.R. § 685.209(c), in effect as 
of January 1, 2020. 
(2) For a borrower who has defaulted on the 
private education loan under the terms of the prom-
issory note prior to any loan payment made or for-
bearance granted under this section, no payment 
made or forbearance granted under this section shall 
be considered an event that impacts the calculation 
of the applicable state statutes of limitation. 
(3) A private education loan debt collector, as 
that term is defined in the Federal Debt Collection 
Practices Act, may not pressure a borrower to elect 
to apply the amount to any private education loan. 
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617 
‘‘Pressure’’ is defined as any communication, rec-
ommendation or other similar communication, other 
than providing basic information about a borrower’s 
options, urging a borrower to make this election. 
Violation of this provision shall be an unfair practice 
in violation of 15 U.S.C. § 1692f. 
(4) A private education loan debt collector or 
creditor may not pressure a borrower to elect to 
apply the amount to any private education loan. 
‘‘Pressure’’ is defined as any communication, rec-
ommendation or other similar communication, other 
than providing basic information about a borrower’s 
options, urging a borrower to make this election. 
Violation of this provision shall be an abusive act or 
practice as defined by 12 U.S.C. § 5531. 
(5) For a borrower who has defaulted on the 
private education loan, under the terms of the prom-
issory note, prior to any loan payment made under 
this section, no loan relief provided under this sec-
tion shall be considered an event that impacts the 
calculation of the applicable state statutes of limita-
tion. 
(c) MINIMUM RELIEF FOR PRIVATE STUDENT LOAN 
BORROWERS AS A RESULT OF THE COVID–19 NATIONAL 
EMERGENCY.— 
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618 
(1) MINIMUM STUDENT LOAN RELIEF AS A RE-
SULT OF THE COVID–19 NATIONAL EMERGENCY.— 
Not later than 270 days after the last day of the 
COVID–19 emergency period, the Secretary of the 
Treasury shall carry out a program under which a 
qualified borrower, with respect to the private edu-
cation of loans of such qualified borrower, shall re-
ceive in accordance with paragraph (3) an amount 
equal to the lesser of the following: 
(A) The total amount of each private edu-
cation loan of the borrower; or 
(B) $10,000. 
(2) NOTIFICATION OF BORROWERS.—Not later 
than 270 days after the last day of the COVID–19 
emergency period, the Secretary of the Treasury 
shall notify each qualified borrower of— 
(A) the requirements to provide loan relief 
to such borrower under this section; and 
(B) the opportunity for such borrower to 
make an election under paragraph (3)(A) with 
respect to the application of such loan relief to 
the covered loans and private education loans of 
such borrower. 
(3) DISTRIBUTION OF FUNDING.— 
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619 
(A) ELECTION BY BORROWER.—Not later 
than 45 days after a notice is sent under para-
graph (2), a qualified borrower may elect to 
apply the amount determined with respect to 
such borrower under paragraph (1) to any pri-
vate education loan of the borrower. 
(B) AUTOMATIC PAYMENT.— 
(i) IN
GENERAL.—In the case of a 
qualified borrower who does not make an 
election under subparagraph (A) before the 
date described in such paragraph, the Sec-
retary of the Treasury shall apply the 
amount determined with respect to such 
borrower under paragraph (1) in order of 
the private education loan of the qualified 
borrower with the highest interest rate. 
(ii) EQUAL
INTEREST
RATES.—In 
case of two or more private education loans 
described in clause (i) with equal interest 
rates, the Secretary of the Treasury shall 
apply the amount determined with respect 
to such borrower under paragraph (1) first 
to the loan with the highest principal. 
(4) DEFINITIONS.—In this subsection: 
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(A) COVERED LOAN.—The term ‘‘covered 
loan’’ means— 
(i) a loan made, insured, or guaran-
teed under part B of title IV of the Higher 
Education Act of 1965 (20 U.S.C. 1071 et 
seq.); 
(ii) a loan made under part D of title 
IV of the Higher Education Act of 1965 
(20 U.S.C. 1087a et seq.); and 
(iii) a Federal Perkins Loan made 
pursuant to part E of title IV of the High-
er Education Act of 1965 (20 U.S.C. 
1087aa et seq.). 
(B) COVID–19 EMERGENCY
PERIOD.— 
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 Emer-
gency Management Administration of the emer-
gency 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) pan-
demic. 
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621 
(C) PRIVATE
EDUCATION
LOAN.—The 
term ‘‘private education loan’’ has the meaning 
given the term in section 140 of the Truth in 
Lending Act (15 U.S.C. 1650). 
(D) QUALIFIED
BORROWER.—The term 
‘‘qualified borrower’’ means a borrower of a 
covered loan or a private education loan. 
(E) SECRETARIES CONCERNED.—The term 
‘‘Secretaries concerned’’ means— 
(i) the Secretary of Education, with 
respect to covered loans and borrowers of 
such covered loans; and 
(ii) the Secretary of the Treasury, 
with respect to private education loans and 
borrowers of such private education loans. 
SEC. 113. WAIVER OF IN-PERSON APPRAISAL REQUIRE-
MENTS. 
(a) FINDING.—The Congress finds that as the coun-
try continues to grapple with the impact of the spread of 
COVID–19, several adjustments are needed to ensure that 
mortgage processing can continue to function without sig-
nificant delays, despite requirements that would otherwise 
require in-person interactions. 
(b) WAIVER.— 
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622 
(1) IN
GENERAL.—Until the end of the 
COVID–19 emergency, any appraisal that is con-
ducted for a loan with respect to which applicable 
law would otherwise require the performance of an 
interior inspection may be performed without an in-
terior inspection, if— 
(A) an exterior inspection is performed in 
conjunction with other methods to maximize 
credibility, including verifiable contemporaneous 
video or photographic documentation by the 
borrower and borrower observations; and 
(B) the applicable lender, guarantor, regu-
lating agency, or insurer may order additional 
services to include an interior inspection at a 
later date. 
(2) STIPULATION.— An appraiser conducting 
an appraisal without an interior inspection pursuant 
to this section shall stipulate an extraordinary as-
sumption that the property’s interior quality, condi-
tion, and physical characteristics are as described 
and consistent with the exterior view, and shall em-
ploy all available methods to maximize accuracy 
while maintaining safety. 
(c) RULEMAKING.—Not later than the end of the 1- 
week period beginning on the date of enactment of this 
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623 
Act, the Federal Housing Commissioner of the Federal 
Housing Agency and the Director of the Federal Housing 
Finance Agency shall issue such rules or guidance as may 
be necessary to ensure that such agencies, the Federal 
Home Loan Mortgage Corporation, the Federal National 
Mortgage Association, and the Federal home loan banks 
make any adjustments to mortgage processing require-
ments that may be necessary to provide flexibility to avoid 
in-person interactions while preserving the goals of the 
programs and consumer protection. 
(d) COVID–19 EMERGENCY DEFINED.—In this sec-
tion, the term ‘‘COVID–19 emergency’’ means the period 
that begins 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 de-
clared on March 13, 2020, by the President under the 
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. 
SEC. 114. SUPPLEMENTAL FUNDING FOR COMMUNITY DE-
VELOPMENT BLOCK GRANTS. 
(a) FUNDING AND ALLOCATIONS.— 
(1) AUTHORIZATION
OF
APPROPRIATIONS.— 
There 
is 
authorized 
to 
be 
appropriated 
$12,000,000,000 for assistance in accordance with 
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624 
this section under the community development block 
grant program under title I of the Housing and 
Community Development Act of 1974 (42 U.S.C. 
5301 et seq.). 
(2) INITIAL
ALLOCATION.—$6,000,000,000 of 
the amount made available pursuant to paragraph 
(1) shall be distributed pursuant to section 106 of 
such Act (42 U.S.C. 5306) to grantees and such al-
locations shall be made within 30 days after the date 
of the enactment of this Act. 
(3) SUBSEQUENT ALLOCATION.— 
(A) IN
GENERAL.—The $6,000,000,000 
made available pursuant to paragraph (1) that 
remains after allocation pursuant to paragraph 
(2) shall be allocated, not later than 45 days 
after the date of the enactment of this Act, di-
rectly to States to prevent, prepare for, and re-
spond to coronavirus within the State, including 
activities within entitlement and nonentitlement 
communities, based on public health needs, risk 
of transmission of coronavirus, number of 
coronavirus cases compared to the national av-
erage, and economic and housing market dis-
ruptions, and other factors, as determined by 
the Secretary, using best available data. 
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625 
(B) 
TECHNICAL
ASSISTANCE.—Of 
the 
amount referred to in subparagraph (A), 
$10,000,000 shall be made available for capac-
ity building and technical assistance to support 
the use of such amounts to expedite or facilitate 
infectious disease response. 
(4) DIRECT
DISTRIBUTION.—Of the amount 
made 
available 
pursuant 
to 
paragraph 
(1), 
$3,000,000,000 shall be distributed directly to 
States and units of general local government, at the 
discretion of the Secretary of Housing and Urban 
Development (in this section referred to as the ‘‘Sec-
retary’’), according to a formula based on factors to 
be determined by the Secretary, prioritizing risk of 
transmission of coronavirus, number of coronavirus 
cases compared to the national average, and eco-
nomic and housing market disruptions resulting 
from coronavirus. 
(5) ROLLING ALLOCATIONS.—Allocations under 
this subsection may be made on a rolling basis as 
additional needs develop and data becomes available. 
(6) BEST
AVAILABLE
DATA.—The Secretary 
shall make all allocations under this subsection 
based on the best available data at the time of allo-
cation. 
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626 
(b) ELIGIBLE ACTIVITIES.—Amounts made available 
pursuant to subsection (a) may be used only for— 
(1) eligible activities described in 105(a) of the 
Housing and Community Development Act of 1974 
(42 U.S.C. 5305(a)) relating to preventing, pre-
paring for, or responding to the public health emer-
gency 
relating 
to 
Coronavirus 
Disease 
2019 
(COVID–19); and 
(2) reimbursement of costs for such eligible ac-
tivities relating to preventing, preparing for, or re-
sponding to Coronavirus Disease 2019 (COVID–19) 
that were accrued before the date of the enactment 
of this Act. 
(c) INAPPLICABILITY OF PUBLIC SERVICES CAP.— 
The limitation under paragraph (8) of section 105(a) of 
the Housing and Community Development Act of 1974 
(42 U.S.C. 5305(a)(8)) on the amount that may be used 
for activities under such paragraph shall not apply with 
respect to— 
(1) amounts made available pursuant to sub-
section (a); and 
(2) amounts made available in preceding appro-
priation Acts for fiscal years 2019 and 2020 for car-
rying out title I of the Housing and Community De-
velopment Act of 1974, to the extent such amounts 
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627 
are used for activities described in subsection (b) of 
this section. 
(d) WAIVERS.— 
(1) IN GENERAL.—The Secretary may waive, or 
specify alternative requirements for, any provision of 
any statute or regulation that the Secretary admin-
isters in connection with the use of amounts made 
available pursuant to subsection (a)(1) and for fiscal 
years 2019 and 2020 (except for requirements re-
lated to fair housing, nondiscrimination, labor stand-
ards, and the environment), if the Secretary finds 
that good cause exists for the waiver or alternative 
requirement and such waiver or alternative require-
ment would not be inconsistent with the overall pur-
pose of title I of the Housing and Community Devel-
opment Act of 1974, including for the purposes of 
addressing the impact of coronavirus. 
(2) NOTICE.—The Secretary shall notify the 
public through the Federal Register or other appro-
priate means 5 days before the effective date of any 
such waiver or alternative requirement in order for 
such waiver or alternative requirement to take effect. 
Such public notice may be provided on the Internet 
at the appropriate Government web site or through 
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628 
other electronic media, as determined by the Sec-
retary. 
(e) STATEMENTS OF ACTIVITIES; COMPREHENSIVE 
HOUSING AFFORDABILITY STRATEGIES.— 
(1) INAPPLICABILITY OF REQUIREMENTS.—Sec-
tion 116(b) of such Act (42 U.S.C. 5316(b); relating 
to submission of final statements of activities not 
later than August 16 of a given fiscal year) and any 
implementing regulations shall not apply to final 
statements submitted in accordance with paragraphs 
(2) and (3) of section 104 of such Act (42 U.S.C. 
5304(a)) and comprehensive housing affordability 
strategies submitted in accordance with section 105 
of the Cranston-Gonzalez National Affordable Hous-
ing Act (42 U.S.C. 12705) for fiscal years 2019 and 
2020. 
(2) NEW
REQUIREMENTS.—Final statements 
and comprehensive housing affordability strategies 
shall instead be submitted not later than August 16, 
2021. 
(3) 
AMENDMENTS.—Notwithstanding 
sub-
sections (a)(2), (a)(3), and (c) of section 104 of the 
Housing and Community Development Act of 1974 
(42 U.S.C. 5304) and section 105 of the Cranston- 
Gonzalez National Affordable Housing Act (42 
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629 
U.S.C. 12705), a grantee may not be required to 
amend its statement of activities in order to engage 
in activities to prevent, prepare, and respond to 
coronavirus or the economic and housing disruption 
caused by it, but shall make public a report within 
180 days of the end of the crisis which fully ac-
counts for such activities. 
(f) 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. 
(2) VIRTUAL PUBLIC HEARINGS.—During the 
period that national or local health authorities rec-
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 sub-
section (a)(1) and under the heading ‘‘Department 
of Housing and Urban Development—Community 
Planning and Development—Community Develop-
ment Fund’’ in appropriation Acts for fiscal years 
2019 and 2020 by carrying out virtual public hear-
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630 
ings. Any such virtual hearings shall provide reason-
able notification and access for citizens in accord-
ance with the grantee’s certifications, timely re-
sponses from local officials to all citizen questions 
and issues, and public access to all questions and re-
sponses. 
(g) DUPLICATION
OF BENEFITS.—The Secretary 
shall ensure there are adequate procedures in place to pre-
vent any duplication of benefits as defined by section 312 
of the Robert T. Stafford Disaster Relief and Emergency 
Assistance Act (42 U.S.C. 5155) and act in accordance 
with section 1210 of the Disaster Recovery Reform Act 
of 2018 (division D of Public Law 115–254; 132 Stat. 
3442) and section 312 of the Robert T. Stafford Disaster 
Relief and Emergency Assistance Act (42 U.S.C. 5155). 
SEC. 115. COVID–19 EMERGENCY HOUSING RELIEF. 
(a) DEFINITION
OF COVID–19 EMERGENCY PE-
RIOD.—For purposes of this section, 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 Man-
agement 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. 
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631 
4121 et seq.) relating to the Coronavirus Disease 2019 
(COVID–19) pandemic. 
(b) SUSPENSION OF COMMUNITY SERVICE, WORK, 
PRESENCE
IN UNIT, AND MINIMUM RENT REQUIRE-
MENTS AND TIME LIMITS ON ASSISTANCE.— 
(1) SUSPENSION.—Notwithstanding any other 
provision of law, during the COVID–19 emergency 
period, the following provisions of law and require-
ments shall not apply: 
(A) Section 12(c) of the United States 
Housing Act of 1937 (42 U.S.C. 1437j(c); re-
lating to community service). 
(B) Any work requirement or time limita-
tion on assistance established by a public hous-
ing agency participating in the Moving to Work 
demonstration program authorized under sec-
tion 204 of the Departments of Veterans Af-
fairs and Housing and Urban Development and 
Independent Agencies Appropriations Act, 1996 
(Public Law 104–134; 110 Stat. 1321). 
(C) Paragraph (3) of section 3(a) of the 
United States Housing Act of 1937 (42 U.S.C. 
1437a(a)(3); 
relating 
to 
minimum 
rental 
amount). 
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632 
(D) Section 982.312 of the regulations of 
the Secretary of Housing and Urban Develop-
ment (24 C.F.R. 982.312); relating to absence 
from unit). 
(2) PROHIBITION.—No penalty may be imposed 
nor any adverse action taken for failure on the part 
of any tenant of public housing or a dwelling unit 
assisted under section 8 of the United States Hous-
ing Act of 1937 (42 U.S.C. 1437f) to comply with 
the laws and requirements specified in paragraph (1) 
during the period specified in paragraph (1). 
(c) HOUSING CHOICE VOUCHERS.— 
(1) SECTION
VOUCHERS.—Notwithstanding 
any other provision of law, the Secretary of Housing 
and Urban Development shall provide that— 
(A) during the COVID–19 emergency pe-
riod, a public housing agency may not termi-
nate the availability to an eligible household of 
a housing choice voucher under section 8(o) of 
the United States Housing Act of 1937 (42 
U.S.C. 1437f(o)) for failure to enter into a 
lease for an assisted dwelling unit; 
(B) in the case of any eligible household on 
whose behalf such a housing choice voucher has 
been made available, if as of the termination of 
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633 
the COVID–19 emergency period such avail-
ability has not terminated (including by reason 
of subparagraph (A)) and such voucher has not 
been used to enter into a lease for an assisted 
dwelling unit, the public housing agency making 
such voucher available may not terminate such 
availability until the expiration of the 60-day 
period beginning upon the termination of the 
COVID–19 emergency period; and 
(C) during the COVID–19 emergency pe-
riod, clause (i) of section 8(o)(8)(A) of the 
United States Housing Act of 1937 (42 U.S.C. 
1437f(o)(8)A)(i); relating to initial inspection of 
dwelling units) shall not apply, except that in 
any case in which an inspection of a dwelling 
unit for which a housing assistance payment is 
established is not conducted before an assist-
ance payment is made for such dwelling unit— 
(i) such clause shall be applied by 
substituting ‘‘the expiration of the 90-day 
period beginning on the termination of the 
COVID–19 emergency period (as such 
term is defined in section 117(a) of the Fi-
nancial Protections and Assistance for 
America’s Consumers, States, Businesses, 
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634 
and Vulnerable Populations Act)’’ for ‘‘any 
assistance payment is made’’; and 
(ii) the public housing agency shall in-
form the tenant household and the owner 
of such dwelling unit of the inspection re-
quirement applicable to such dwelling unit 
pursuant to clause (i). 
(2) RURAL
HOUSING
VOUCHERS.—Notwith-
standing any other provision of law, the Secretary of 
Agriculture shall provide that the same restrictions 
and requirements applicable under paragraph (1) to 
voucher assistance under section 8(o) of the United 
States Housing Act of 1937 shall apply with respect 
to voucher assistance under section 542 of the Hous-
ing Act of 1949 (42 U.S.C. 1490r). In applying such 
restrictions and requirements, the Secretary may 
take into consideration and provide for any dif-
ferences between such programs while ensuring that 
the program under such section 542 is carried out 
in accordance with the purposes of such restrictions 
and requirements. 
(d) SUSPENSION OF INCOME REVIEWS.—During the 
COVID–19 emergency period, the Secretary of Housing 
and Urban Development and the Secretary of Agriculture 
shall waive any requirements under law or regulation re-
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quiring review of the income of an individual or household 
for purposes of assistance under a housing assistance pro-
gram administered by such Secretary, except— 
(1) in the case of review of income upon the ini-
tial provision of housing assistance; or 
(2) if such review is requested by an individual 
or household due to a loss of income. 
(e) AUTHORITY TO SUSPEND
OR DELAY DEAD-
LINES.—During the COVID–19 emergency period, the 
Secretary of Housing and Urban Development and the 
Secretary of Agriculture may suspend or delay any dead-
line relating to public housing agencies or owners of hous-
ing assisted under a program administered by such Sec-
retary, except any deadline relating to responding to exi-
gent conditions related to health and safety or emergency 
physical conditions. 
(f) SUSPENSION OF ASSISTED HOUSING SCORING 
ACTIVITIES.—The Secretary of Housing and Urban De-
velopment shall suspend scoring under the Section 8 Man-
agement Assessment Program and the Public Housing As-
sessment System during the period beginning upon the 
date of the enactment of this Act and ending upon expira-
tion of the 90-day period that begins upon the termination 
of the COVID–19 emergency period. 
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(g) REQUIREMENTS
REGARDING
RESIDUAL
RE-
CEIPTS AND RESERVE FUNDS.— 
(1) SUSPENSION OF REQUIREMENT TO SUBMIT 
RESIDUAL RECEIPTS TO HUD.—During the COVID– 
19 emergency period, any requirements for owners 
of federally assisted multifamily housing to remit re-
sidual receipts to the Secretary of Housing and 
Urban Development shall not apply. 
(2) ELIGIBLE USES OF RESERVE FUNDS.—Dur-
ing the COVID–19 emergency period, any costs of 
an owner of federally assisted multifamily housing 
for items, activities, and services related to respond-
ing to coronavirus or COVID–19 shall be considered 
eligible uses for the reserve fund for replacements 
for such housing. 
SEC. 116. SUPPLEMENTAL FUNDING FOR SERVICE COORDI-
NATORS TO ASSIST ELDERLY HOUSEHOLDS. 
(a) IN GENERAL.—There is authorized to be appro-
priated $300,000,000 for grants under section 676 of the 
Housing and Community Development Act of 1992 (42 
U.S.C. 13632) for costs of providing service coordinators 
for purposes of coordinating services to prevent, prepare 
for, or respond to the public health emergency relating to 
Coronavirus Disease 2019 (COVID–19). 
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637 
(b) HIRING.—In the hiring of staff using amounts 
made available pursuant to this section, 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 describing compliance with the preceding 
sentence not later than the expiration of the 120-day pe-
riod that begins upon the termination of the emergency 
declared on March 13, 2020, by the President under the 
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. 
(c) 
ONE-TIME
GRANTS.—Grants 
made 
using 
amounts made available pursuant to subsection (a) shall 
not be renewable. 
(d) ONE-YEAR AVAILABILITY.—Any amounts made 
available pursuant to this section that are allocated for 
a grantee and remaining unexpended upon the expiration 
of the 12-month period beginning upon such allocation 
shall be recaptured by the Secretary. 
SEC. 117. FAIR HOUSING. 
(a) DEFINITION
OF COVID–19 EMERGENCY PE-
RIOD.— For purposes of this section, the term ‘‘COVID– 
19 emergency period’’ means the period that begins upon 
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the date of the enactment of this Act and ends upon the 
date of the termination by the Federal Emergency Man-
agement 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) FHIP; FHAP.— 
(A) 
AUTHORIZATION
OF
APPROPRIA-
TIONS.—To ensure that fair housing organiza-
tions and State and local civil rights agencies 
have sufficient resources to deal with expected 
increases in fair housing complaints, to inves-
tigate housing discrimination, including finan-
cial scams that target protected classes associ-
ated with or resulting from the COVID–19 pan-
demic, and during such pandemic, there is au-
thorized to be appropriated for contracts, 
grants, and other assistance— 
(i) $55,000,000 for the Fair Housing 
Initiatives Program under section 561 of 
the Housing and Community Development 
Act of 1987 (42 U.S.C. 3616a); and 
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(ii) $35,000,000 for the Fair Housing 
Assistance Program under the Fair Hous-
ing Act (42 U.S.C. 3601 et seq.). 
Amounts made available pursuant to this sub-
paragraph may be used by such organizations 
and agencies to establish the capacity to and to 
carry out activities and services by telephone 
and online means, including for individuals with 
limited English proficiency and individuals with 
a disability in accordance with requirements 
under the Americans With Disabilities Act of 
1990. 
(B) 
PRIVATE
ENFORCEMENT
INITIA-
TIVE.—In entering into contracts for private 
enforcement initiatives under 561(b) of the 
Housing and Community Development Act of 
1987 (42 U.S.C. 3616a(b)) using amounts 
made available pursuant to subparagraph (A)(i) 
of this subsection, the Secretary of Housing 
and Urban Development shall give priority to 
applications from qualified fair housing enforce-
ment organizations that have at least 2 years of 
fair housing testing experience. 
(C) 3-YEAR AVAILABILITY.—Any amounts 
made available pursuant subparagraph (A) that 
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are allocated for a grantee and remain unex-
pended upon the expiration of the 3-year period 
beginning upon such allocation shall be recap-
tured by the Secretary. 
(2) OFFICE OF FAIR HOUSING AND EQUAL OP-
PORTUNITY.—There is authorized to be appropriated 
$200,000,000 for the Office of Fair Housing and 
Equal Opportunity of the Department of Housing 
and Urban Development for costs of fully staffing 
such Office to ensure robust enforcement of the Fair 
Housing Act during the COVID–19 pandemic, in-
cluding ensuring that— 
(A) assistance provided under this Act is 
provided and administered in a manner that af-
firmatively furthers fair housing in accordance 
with the Fair Housing Act; 
(B) such Office has sufficient capacity for 
intake of housing discrimination complaints by 
telephone and online mechanisms, including for 
individuals with limited English proficiency and 
individuals with a disability in accordance with 
requirements under the Americans With Dis-
abilities Act of 1990 and section 504 of the Re-
habilitation Act of 1973 (29 U.S.C. 794); and 
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