Emergency Housing Protections and Relief Act of 2020

Bill: 116-hr-7301
Sponsor: Rep. Waters, Maxine [D-CA-43]
Introduced: 2020-06-24 in the House
Policy area: Housing and Community Development
Subjects: Administrative law and regulatory procedures
Administrative remedies
Alaska Natives and Hawaiians
American Samoa
Appropriations
Banking and financial institutions regulation
Bankruptcy
Building construction
Cardiovascular and respiratory health
Caribbean area
Congressional oversight
Consumer Financial Protection Bureau
Department of Housing and Urban Development
Economic performance and conditions
Emergency medical services and trauma care
Energy assistance for the poor and aged
Executive agency funding and structure
Federal Reserve System
Financial services and investments
Foreign language and bilingual programs
Government information and archives
Government lending and loan guarantees
Guam
Health promotion and preventive care
Homelessness and emergency shelter
Housing and community development funding
Housing finance and home ownership
Housing supply and affordability
Indian social and development programs
Infectious and parasitic diseases
Interest, dividends, interest rates
Internet and video services
Internet, web applications, social media
Landlord and tenant
Lighting, heating, cooling
Low- and moderate-income housing
Neighborhood Reinvestment Corporation
Northern Mariana Islands
Public housing
Public utilities and utility rates
Puerto Rico
Rural conditions and development
Securities
U.S. territories and protectorates
Virgin Islands
Wages and earnings
Worker safety and health

Summary:
action_date: 2020-06-24
text: 

Emergency Housing Protections and Relief Act of 2020

 
This bill addresses various housing issues in response to the COVID-19 (i.e., coronavirus disease 2019) public health emergency, including housing assistance programs and moratoriums on evictions and foreclosures.
 
The bill authorizes additional housing assistance, including rental assistance, for (1) low-income individuals with families, including those who are homeless or at risk of homelessness; (2) the elderly; (3) individuals with disabilities; and (4) rural renters.
 
In addition, the bill establishes a 12-month moratorium on evictions covering all tenants, whereas the previously enacted moratorium covered only tenants of federally assisted properties.
 
Similarly, the bill establishes a 12-month moratorium on foreclosures that covers all tenants, whereas the previously enacted moratorium covered only federally backed mortgages.
 
The bill also establishes an automatic 60-day forbearance (i.e., suspension of mortgage payments) for a single-family mortgage that becomes delinquent by 60 days during the public health emergency. Under current law, the borrower must request a forbearance. This automatic forbearance also applies to certain reverse mortgages.
 
The bill extends the maximum period of forbearance for multifamily mortgages from 90 days to 12 months.
 
Additionally, the bill establishes a six-month moratorium on the repossession of personal property used as a dwelling.
 
The bill also provides additional bankruptcy protections by (1) increasing the homestead exemption (generally, the equity in a residence that is protected from creditors in a bankruptcy proceeding) from $15,000 to $100,000, and (2) expanding eligibility for Chapter 13 bankruptcy.


action_date: 2020-06-29
text: 

Emergency Housing Protections and Relief Act of 2020

 
This bill addresses various housing issues in response to the COVID-19 (i.e., coronavirus disease 2019) public health emergency, including housing assistance programs and moratoriums on evictions and foreclosures.
 
The bill authorizes additional housing assistance, including rental assistance, for (1) low-income individuals with families, including those who are homeless or at risk of homelessness; (2) the elderly; (3) individuals with disabilities; and (4) rural renters.
 
In addition, the bill establishes a 12-month moratorium on evictions covering all tenants, whereas the previously enacted moratorium covered only tenants of federally assisted properties.
 
Similarly, the bill establishes a 12-month moratorium on foreclosures that covers all tenants, whereas the previously enacted moratorium covered only federally backed mortgages.
 
The bill also establishes an automatic 60-day forbearance (i.e., suspension of mortgage payments) for a single-family mortgage that becomes delinquent by 60 days during the public health emergency. Under current law, the borrower must request a forbearance. This automatic forbearance also applies to certain reverse mortgages.
 
The bill extends the maximum period of forbearance for multifamily mortgages from 90 days to 12 months.
 
Additionally, the bill establishes a six-month moratorium on the repossession of personal property used as a dwelling.
 
The bill also provides additional bankruptcy protections by (1) increasing the homestead exemption (generally, the equity in a residence that is protected from creditors in a bankruptcy proceeding) from $15,000 to $100,000, and (2) expanding eligibility for Chapter 13 bankruptcy.



Legislative actions:
action_date: 2020-06-30
text: Received in the Senate.
action_date: 2020-06-29
text: Motion to reconsider laid on the table Agreed to without objection.
action_date: 2020-06-29
text: On passage Passed by the Yeas and Nays: 232 - 180 (Roll no. 128). (text: CR H2644-2653)
action_date: 2020-06-29
text: Passed/agreed to in House: On passage Passed by the Yeas and Nays: 232 - 180 (Roll no. 128).
action_date: 2020-06-29
text: On motion to recommit with instructions Failed by the Yeas and Nays: 191 - 219 (Roll no. 127).
action_date: 2020-06-29
text: Considered as unfinished business. (consideration: CR H2667-2668)
action_date: 2020-06-29
text: POSTPONED PROCEEDINGS - At the conclusion of debate on the motion to recommit with instructions, the Chair put the question on the motion and by voice vote, announced that the noes had prevailed. Mr. Huizenga demanded the yeas and nays and the Chair postponed further consideration on the motion to recommit until a time to be announced.
action_date: 2020-06-29
text: The previous question on the motion to recommit with instructions was ordered without objection.
action_date: 2020-06-29
text: DEBATE - The House proceeded with 10 minutes of debate on the Huizenga motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment to add language with new directions on groups to receive funds as well as adding a new title.
action_date: 2020-06-29
text: Mr. Huizenga moved to recommit with instructions to the Committee on Financial Services. (text: CR H2661-2662)
action_date: 2020-06-29
text: The previous question was ordered pursuant to the rule.
action_date: 2020-06-29
text: DEBATE - The House proceeded with one hour of debate on H.R. 7301.
action_date: 2020-06-29
text: Rule provides for consideration of H.R. 1425, H.R. 5332, H.R. 7120, H.R. 7301 and H.J. Res. 90. The resolution provides that the provisions of section 125(c) of the Uruguay Round Agreements Act shall not apply during the remainder of the 116th Congress and the resolution amends H.Res. 967, agreed to on May 15, 2020.
action_date: 2020-06-29
text: Considered under the provisions of rule H. Res. 1017. (consideration: CR H2644-2663)
action_date: 2020-06-24
text: Rules Committee Resolution H. Res. 1017 Reported to House. Rule provides for consideration of H.R. 1425, H.R. 5332, H.R. 7120, H.R. 7301 and H.J. Res. 90. The resolution provides that the provisions of section 125(c) of the Uruguay Round Agreements Act shall not apply during the remainder of the 116th Congress and the resolution amends H.Res. 967, agreed to on May 15, 2020.
action_date: 2020-06-24
text: Referred to the Committee on Financial Services, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
action_date: 2020-06-24
text: Referred to the Committee on Financial Services, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
action_date: 2020-06-24
text: Introduced in House
action_date: 2020-06-24
text: Introduced in House