Bill text (engrossed House) — H.R. 7301, Emergency Housing Protections and Relief Act of 2020 (2020-07-01)

Record facts

Full text

116TH CONGRESS 
2D SESSION 
H. R. 7301 
AN ACT 
To prevent evictions, foreclosures, and unsafe housing condi-
tions resulting from the COVID-19 pandemic, and for 
other purposes. 
Be it enacted by the Senate and House of Representa-
1
tives of the United States of America in Congress assembled, 
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•HR 7301 EH
SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
1
(a) SHORT TITLE.—This Act may be cited as the 
2
‘‘Emergency Housing Protections and Relief Act of 
3
2020’’. 
4
(b) TABLE OF CONTENTS.—The table of contents for 
5
this Act is as follows: 
6
Sec. 1. Short title; table of contents. 
TITLE I—PROTECTING RENTERS AND HOMEOWNERS FROM 
EVICTIONS AND FORECLOSURES 
Sec. 101. Emergency rental assistance. 
Sec. 102. Homeowner Assistance Fund. 
Sec. 103. Protecting renters and homeowners from evictions and foreclosures. 
Sec. 104. Liquidity for mortgage servicers and residential rental property own-
ers. 
Sec. 105. Rural rental assistance. 
Sec. 106. Funding for public housing and tenant-based rental assistance. 
Sec. 107. Supplemental funding for supportive housing for the elderly, sup-
portive housing for persons with disabilities, supportive housing 
for persons with AIDS, and project-based section 8 rental as-
sistance. 
Sec. 108. Fair Housing. 
Sec. 109. Funding for housing counseling services. 
TITLE II—PROTECTING PEOPLE EXPERIENCING HOMELESSNESS 
Sec. 201. Homeless assistance funding. 
Sec. 202. Emergency rental assistance voucher program. 
TITLE I—PROTECTING RENTERS 
7
AND 
HOMEOWNERS 
FROM 
8
EVICTIONS 
AND 
FORE-
9
CLOSURES 
10
SEC. 101. EMERGENCY RENTAL ASSISTANCE. 
11
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
12
authorized to be appropriated to the Secretary of Housing 
13
and Urban Development (referred to in this section as the 
14
‘‘Secretary’’) $100,000,000,000 for an additional amount 
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for grants under the Emergency Solutions Grants pro-
1
gram under subtitle B of title IV of the McKinney-Vento 
2
Homeless Assistance Act (42 U.S.C. 11371 et seq.), to 
3
remain available until expended (subject to subsections (d) 
4
and (n) of this section), to be used for providing short- 
5
or medium-term assistance with rent and rent-related 
6
costs (including tenant-paid utility costs, utility- and rent- 
7
arrears, fees charged for those arrears, and security and 
8
utility deposits) in accordance with paragraphs (4) and (5) 
9
of section 415(a) of such Act (42 U.S.C. 11374(a)) and 
10
this section. 
11
(b) DEFINITION OF AT RISK OF HOMELESSNESS.— 
12
Notwithstanding section 401(1) of the McKinney-Vento 
13
Homeless Assistance Act (42 U.S.C. 11360(1)), for pur-
14
poses of assistance made available with amounts made 
15
available pursuant to subsection (a), the term ‘‘at risk of 
16
homelessness’’ means, with respect to an individual or 
17
family, that the individual or family— 
18
(1) has an income below 80 percent of the me-
19
dian income for the area as determined by the Sec-
20
retary; and 
21
(2) has an inability to attain or maintain hous-
22
ing stability or has insufficient resources to pay for 
23
rent or utilities due to financial hardships. 
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(c) INCOME TARGETING AND CALCULATION.—For 
1
purposes of assistance made available with amounts made 
2
available pursuant to subsection (a)— 
3
(1) each recipient of such amounts shall use— 
4
(A) not less than 40 percent of the 
5
amounts received only for providing assistance 
6
for individuals or families experiencing home-
7
lessness, or for persons or families at risk of 
8
homelessness who have incomes not exceeding 
9
30 percent of the median income for the area 
10
as determined by the Secretary; 
11
(B) not less than 70 percent of the 
12
amounts received only for providing assistance 
13
for individuals or families experiencing home-
14
lessness, or for persons or families at risk of 
15
homelessness who have incomes not exceeding 
16
50 percent of the median income for the area 
17
as determined by the Secretary; and 
18
(C) the remainder of the amounts received 
19
only for providing assistance to individuals or 
20
families experiencing homelessness, or for per-
21
sons or families at risk of homelessness who 
22
have incomes not exceeding 80 percent of the 
23
median income for the area as determined by 
24
the Secretary, but such recipient may establish 
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a higher percentage limit for purposes of sub-
1
section (b)(1), which shall not in any case ex-
2
ceed 120 percent of the area median income, if 
3
the recipient states that it will serve such popu-
4
lation in its plan; and 
5
(2) in determining the income of a household 
6
for homelessness prevention assistance— 
7
(A) the calculation of income performed at 
8
the time of application for such assistance, in-
9
cluding arrearages, shall consider only income 
10
that the household is currently receiving at such 
11
time and any income recently terminated shall 
12
not be included; 
13
(B) any calculation of income performed 
14
with respect to households receiving ongoing as-
15
sistance (such as medium-term rental assist-
16
ance) 3 months after initial receipt of assist-
17
ance shall consider only the income that the 
18
household is receiving at the time of such re-
19
view; and 
20
(C) the calculation of income performed 
21
with respect to households receiving assistance 
22
for arrearages shall consider only the income 
23
that the household was receiving at the time 
24
such arrearages were incurred. 
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(d) 3-YEAR AVAILABILITY.— 
1
(1) IN GENERAL.—Each recipient of amounts 
2
made available pursuant to subsection (a) shall— 
3
(A) expend not less than 60 percent of 
4
such grant amounts within 2 years of the date 
5
that such funds became available to the recipi-
6
ent for obligation; and 
7
(B) expend 100 percent of such grant 
8
amounts within 3 years of such date. 
9
(2) REALLOCATION AFTER 2 YEARS.—The Sec-
10
retary may recapture any amounts not expended in 
11
compliance with paragraph (1)(A) and reallocate 
12
such amounts to recipients in compliance with the 
13
formula referred to in subsection (h)(1)(A). 
14
(e) RENT RESTRICTIONS.— 
15
(1) INAPPLICABILITY.—Section 576.106(d) of 
16
title 24, Code of Federal Regulations, shall not 
17
apply with respect to homelessness prevention assist-
18
ance made available with amounts made available 
19
under subsection (a). 
20
(2) AMOUNT OF RENTAL ASSISTANCE.—In pro-
21
viding homelessness prevention assistance with 
22
amounts made available under subsection (a), the 
23
maximum amount of rental assistance that may be 
24
provided shall be the greater of— 
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(A) 120 percent of the higher of— 
1
(i) the Fair Market Rent established 
2
by the Secretary for the metropolitan area 
3
or county; or 
4
(ii) the applicable Small Area Fair 
5
Market Rent established by the Secretary; 
6
or 
7
(B) such higher amount as the Secretary 
8
shall determine is needed to cover market rents 
9
in the area. 
10
(f) SUBLEASES.—A recipient shall not be prohibited 
11
from providing assistance authorized under subsection (a) 
12
with respect to subleases that are valid under State law. 
13
(g) HOUSING RELOCATION OR STABILIZATION AC-
14
TIVITIES.—A recipient of amounts made available pursu-
15
ant to subsection (a) may expend up to 25 percent of its 
16
allocation for activities under section 415(a)(5) of the 
17
McKinney-Vento Homeless Assistance Act (42 U.S.C. 
18
11374(a)(5)), except that notwithstanding such section, 
19
activities authorized under this subsection may be pro-
20
vided only for individuals or families who have incomes 
21
not exceeding 50 percent of the area median income and 
22
meet the criteria in subsection (b)(2) of this section or 
23
section 103 of the McKinney-Vento Homeless Assistance 
24
Act (42 U.S.C. 11302). This subsection shall not apply 
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•HR 7301 EH
to rent-related costs that are specifically authorized under 
1
subsection (a) of this section. 
2
(h) ALLOCATION OF ASSISTANCE.— 
3
(1) IN GENERAL.—In allocating amounts made 
4
available pursuant to subsection (a), the Secretary 
5
shall— 
6
(A)(i) for any purpose authorized in this 
7
section— 
8
(I) allocate 2 percent of such amount 
9
for Indian tribes and tribally designated 
10
housing entities (as such terms are defined 
11
in section 4 of the Native American Hous-
12
ing Assistance and Self-Determination Act 
13
of 1996 (25 U.S.C. 4103)) under the for-
14
mula established pursuant to section 302 
15
of such Act (25 U.S.C. 4152), except that 
16
0.3 percent of the amount allocated under 
17
this clause shall be allocated for the De-
18
partment of Hawaiian Home Lands; and 
19
(II) allocate 0.3 percent of such 
20
amount for the Virgin Islands, Guam, 
21
American Samoa, and the Northern Mar-
22
iana Islands; 
23
(ii) not later than 30 days after the date 
24
of enactment of this Act, obligate and disburse 
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the amounts allocated pursuant to clause (i) in 
1
accordance with such allocations and provide 
2
such recipient with any necessary guidance for 
3
use of the funds; and 
4
(B)(i) not later than 7 days after the date 
5
of enactment of this Act and after setting aside 
6
amounts under subparagraph (A), allocate 50 
7
percent of any such remaining amounts under 
8
the formula specified in subsections (a), (b), 
9
and (e) of section 414 of the McKinney-Vento 
10
Homeless Assistance Act (42 U.S.C. 11373) 
11
for, and notify, each State, metropolitan city, 
12
and urban county that is to receive a direct 
13
grant of such amounts; and 
14
(ii) not later than 30 days after the date 
15
of enactment of this Act, obligate and disburse 
16
the amounts allocated pursuant to clause (i) in 
17
accordance with such allocations and provide 
18
such recipient with any necessary guidance for 
19
use of the funds; and 
20
(C)(i) not later than 45 days after the date 
21
of enactment of this Act, allocate any remaining 
22
amounts for eligible recipients according to a 
23
formula to be developed by the Secretary that 
24
takes into consideration the formula referred to 
25

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•HR 7301 EH
in subparagraph (A) and the need for emer-
1
gency rental assistance under this section, in-
2
cluding the severe housing cost burden among 
3
extremely low- and very low-income renters and 
4
disruptions in housing and economic conditions, 
5
including unemployment; and 
6
(ii) not later than 30 days after the date 
7
of the allocation of such amounts pursuant to 
8
clause (i), obligate and disburse such amounts 
9
in accordance with such allocations. 
10
(2) ALLOCATIONS TO STATES.— 
11
(A) IN
GENERAL.—Notwithstanding sub-
12
section (a) of section 414 of the McKinney- 
13
Vento Homeless Assistance Act (42 U.S.C. 
14
11373(a)) and section 576.202(a) of title 24, 
15
Code of Federal Regulations, a State recipient 
16
of an allocation under this section may elect to 
17
use up to 100 percent of its allocation to carry 
18
out activities eligible under this section directly. 
19
(B) REQUIREMENT.—Any State recipient 
20
making an election described in subparagraph 
21
(A) shall serve households throughout the entire 
22
State, including households in rural commu-
23
nities and small towns. 
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•HR 7301 EH
(3) ELECTION NOT TO ADMINISTER.—If a re-
1
cipient other than a State elects not to receive funds 
2
under this section, such funds shall be allocated to 
3
the State recipient in which the recipient is located. 
4
(4) PARTNERSHIPS, SUBGRANTS, AND
CON-
5
TRACTS.—A recipient of a grant under this section 
6
may distribute funds through partnerships, sub-
7
grants, or contracts with an entity, such as a public 
8
housing agency (as such term is defined in section 
9
3(b) of the United States Housing Act of 1937 (42 
10
U.S.C. 1437a(b))), that is capable of carrying activi-
11
ties under this section. 
12
(5) REVISION TO RULE.—The Secretary shall 
13
revise section 576.3 of tile 24, Code of Federal Reg-
14
ulations, to change the set aside for allocation to the 
15
territories to exactly 0.3 percent. 
16
(i) INAPPLICABILITY
OF
MATCHING
REQUIRE-
17
MENT.—Subsection (a) of section 416 of the McKinney- 
18
Vento Homeless Assistance Act (42 U.S.C. 11375(a)) 
19
shall not apply to any amounts made available pursuant 
20
to subsection (a) of this section. 
21
(j) REIMBURSEMENT
OF ELIGIBLE ACTIVITIES.— 
22
Amounts made available pursuant to subsection (a) may 
23
be used by a recipient to reimburse expenditures incurred 
24

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•HR 7301 EH
for eligible activities under this section after March 27, 
1
2020. 
2
(k) PROHIBITION ON PREREQUISITES.—None of the 
3
funds made available pursuant to this section may be used 
4
to require any individual receiving assistance under the 
5
program under this section to receive treatment or per-
6
form any other prerequisite activities as a condition for 
7
receiving shelter, housing, or other services. 
8
(l) WAIVERS AND ALTERNATIVE REQUIREMENTS.— 
9
(1) IN GENERAL.— 
10
(A) AUTHORITY.—In administering the 
11
amounts made available pursuant to subsection 
12
(a), the Secretary may waive, or specify alter-
13
native requirements for, any provision of any 
14
statute or regulation that the Secretary admin-
15
isters in connection with the obligation by the 
16
Secretary or the use by the recipient of such 
17
amounts (except for requirements related to fair 
18
housing, nondiscrimination, labor standards, 
19
prohibition on prerequisites, minimum data re-
20
porting, and the environment), if the Secretary 
21
finds that good cause exists for the waiver or 
22
alternative requirement and such waiver or al-
23
ternative requirement is necessary to expedite 
24
the use of funds made available pursuant to 
25

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•HR 7301 EH
this section, to respond to public health orders 
1
or conditions related to the COVID-19 emer-
2
gency, or to ensure that eligible individuals can 
3
attain or maintain housing stability. 
4
(B) PUBLIC NOTICE.—The Secretary shall 
5
notify the public through the Federal Register 
6
or other appropriate means of any waiver or al-
7
ternative requirement under this paragraph, 
8
and that such public notice shall be provided, at 
9
a minimum, on the internet at the appropriate 
10
Government website or through other electronic 
11
media, as determined by the Secretary. 
12
(C) ELIGIBILITY
REQUIREMENTS.—Eligi-
13
bility for rental assistance or housing relocation 
14
and stabilization services shall not be restricted 
15
based upon the prior receipt of assistance under 
16
the program during the preceding three years. 
17
(2) PUBLIC HEARINGS.— 
18
(A) INAPPLICABILITY OF IN-PERSON HEAR-
19
ING
REQUIREMENTS
DURING
THE
COVID-19 
20
EMERGENCY.— 
21
(i) IN GENERAL.—A recipient under 
22
this section shall not be required to hold 
23
in-person public hearings in connection 
24
with its citizen participation plan, but shall 
25

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provide citizens with notice, including pub-
1
lication of its plan for carrying out this 
2
section on the internet, and a reasonable 
3
opportunity to comment of not less than 5 
4
days. 
5
(ii) 
RESUMPTION
OF
IN-PERSON 
6
HEARING
REQUIREMENTS.—After the pe-
7
riod beginning on the date of enactment of 
8
this Act and ending on the date of the ter-
9
mination by the Federal Emergency Man-
10
agement Agency of the emergency declared 
11
on March 13, 2020, by the President 
12
under the Robert T. Stafford Disaster Re-
13
lief and Emergency Assistance Act (42 
14
U.S.C. 4121 et seq.) relating to the 
15
Coronavirus Disease 2019 (COVID-19) 
16
pandemic, and after the period described 
17
in subparagraph (B), the Secretary shall 
18
direct recipients under this section to re-
19
sume pre-crisis public hearing require-
20
ments. 
21
(B) VIRTUAL PUBLIC HEARINGS.— 
22
(i) IN GENERAL.—During the period 
23
that national or local health authorities 
24
recommend social distancing and limiting 
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•HR 7301 EH
public gatherings for public health reasons, 
1
a recipient may fulfill applicable public 
2
hearing requirements for all grants from 
3
funds made available pursuant to this sec-
4
tion by carrying out virtual public hear-
5
ings. 
6
(ii) 
REQUIREMENTS.—Any 
virtual 
7
hearings held under clause (i) by a recipi-
8
ent under this section shall provide reason-
9
able notification and access for citizens in 
10
accordance with the recipient’s certifi-
11
cations, timely responses from local offi-
12
cials to all citizen questions and issues, 
13
and public access to all questions and re-
14
sponses. 
15
(m) CONSULTATION.—In addition to any other cit-
16
izen participation and consultation requirements, in devel-
17
oping and implementing a plan to carry out this section, 
18
each recipient of funds made available pursuant to this 
19
section shall consult with the applicable Continuum or 
20
Continuums of Care for the area served by the recipient 
21
and organizations representing underserved communities 
22
and populations and organizations with expertise in af-
23
fordable housing, fair housing, and services for people with 
24
disabilities. 
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•HR 7301 EH
(n) ADMINISTRATION.— 
1
(1) BY
SECRETARY.—Of any amounts made 
2
available pursuant to subsection (a)— 
3
(A) not more than the lesser of 0.5 per-
4
cent, or $15,000,000, may be used by the Sec-
5
retary for staffing, training, technical assist-
6
ance, technology, monitoring, research, and 
7
evaluation activities necessary to carry out the 
8
program carried out under this section, and 
9
such amounts shall remain available until Sep-
10
tember 30, 2024; and 
11
(B) not more than $2,000,000 shall be 
12
available to the Office of the Inspector General 
13
for audits and investigations of the program au-
14
thorized under this section. 
15
(2) BY RECIPIENTS.—Notwithstanding section 
16
576.108 of title 24 of the Code of Federal Regula-
17
tions, with respect to amounts made available pursu-
18
ant to this section, a recipient may use up to 10 per-
19
cent of the recipient’s grant for payment of adminis-
20
trative costs related to the planning and execution of 
21
activities. 
22
SEC. 102. HOMEOWNER ASSISTANCE FUND. 
23
(a) DEFINITIONS.—In this section: 
24

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•HR 7301 EH
(1) FUND.—The term ‘‘Fund’’ means the 
1
Homeowner Assistance Fund established under sub-
2
section (b). 
3
(2) SECRETARY.—The term ‘‘Secretary’’ means 
4
the Secretary of the Treasury. 
5
(3) STATE.—The term ‘‘State’’ means any 
6
State of the United States, the District of Columbia, 
7
any territory of the United States, Puerto Rico, 
8
Guam, American Samoa, the Virgin Islands, and the 
9
Northern Mariana Islands. 
10
(b) ESTABLISHMENT
OF FUND.—There is estab-
11
lished at the Department of the Treasury a Homeowner 
12
Assistance Fund to provide such funds as are made avail-
13
able under subsection (g) to State housing finance agen-
14
cies for the purpose of preventing homeowner mortgage 
15
defaults, foreclosures, and displacements of individuals 
16
and families experiencing financial hardship after January 
17
21, 2020. 
18
(c) ALLOCATION OF FUNDS.— 
19
(1) ADMINISTRATION.—Of any amounts made 
20
available for the Fund, the Secretary of the Treas-
21
ury may allocate, in the aggregate, an amount not 
22
exceeding 5 percent— 
23
(A) to the Office of Financial Stability es-
24
tablished under section 101(a) of the Emer-
25

18 
•HR 7301 EH
gency Economic Stabilization Act of 2008 (12 
1
U.S.C. 5211(a)) to administer and oversee the 
2
Fund, and to provide technical assistance to 
3
States for the creation and implementation of 
4
State programs to administer assistance from 
5
the Fund; and 
6
(B) to the Inspector General of the De-
7
partment of the Treasury for oversight of the 
8
program under this section. 
9
(2) FOR STATES.—The Secretary shall establish 
10
such criteria as are necessary to allocate the funds 
11
available within the Fund for each State. The Sec-
12
retary shall allocate such funds among all States 
13
taking into consideration the number of unemploy-
14
ment claims within a State relative to the nationwide 
15
number of unemployment claims. 
16
(3) SMALL STATE MINIMUM.—The amount allo-
17
cated for each State shall not be less than 
18
$250,000,000. 
19
(4) SET-ASIDE FOR INSULAR AREAS.—Notwith-
20
standing any other provision of this section, of any 
21
amounts authorized to be appropriated pursuant to 
22
subsection 
(g), 
the 
Secretary 
shall 
reserve 
23
$200,000,000 to be disbursed to Guam, American 
24
Samoa, the Virgin Islands, and the Northern Mar-
25

19 
•HR 7301 EH
iana Islands based on each such territory’s share of 
1
the combined total population of all such territories, 
2
as determined by the Secretary. For the purposes of 
3
this paragraph, population shall be determined based 
4
on the most recent year for which data are available 
5
from the United States Census Bureau. 
6
(5) SET-ASIDE FOR INDIAN TRIBES AND NATIVE 
7
HAWAIIANS.— 
8
(A) INDIAN TRIBES.—Notwithstanding any 
9
other provision of this section, of any amounts 
10
authorized to be appropriated pursuant to sub-
11
section (g), the Secretary shall use 5 percent to 
12
make grants in accordance with subsection (f) 
13
to eligible recipients for the purposes described 
14
in subsection (e)(1). 
15
(B) NATIVE HAWAIIANS.— Of the funds 
16
set aside under subparagraph (A), the Sec-
17
retary shall use 0.3 percent to make grants to 
18
the Department of Hawaiian Home Lands in 
19
accordance with subsection (f) for the purposes 
20
described in subsection (e)(1). 
21
(d) DISBURSEMENT OF FUNDS.— 
22
(1) ADMINISTRATION.—Except for amounts 
23
made available for assistance under subsection (f), 
24
State housing finance agencies shall be primarily re-
25

20 
•HR 7301 EH
sponsible for administering amounts disbursed from 
1
the Fund, but may delegate responsibilities and sub- 
2
allocate amounts to community development finan-
3
cial institutions and State agencies that administer 
4
Low-Income Home Energy Assistance Program of 
5
the Department of Health and Human Services. 
6
(2) NOTICE OF FUNDING.—The Secretary shall 
7
provide public notice of the amounts that will be 
8
made available to each State and the method used 
9
for determining such amounts not later than the ex-
10
piration of the 14-day period beginning on the date 
11
of the enactment of this Act of enactment. 
12
(3) SHFA PLANS.— 
13
(A) ELIGIBILITY.—To be eligible to receive 
14
funding allocated for a State under the section, 
15
a State housing finance agency for the State 
16
shall submit to the Secretary a plan for the im-
17
plementation of State programs to administer, 
18
in part or in full, the amount of funding the 
19
state is eligible to receive, which shall provide 
20
for the commencement of receipt of applications 
21
by homeowners for assistance, and funding of 
22
such applications, not later than the expiration 
23
of the 6-month period beginning upon the ap-
24
proval under this paragraph of such plan. 
25

21 
•HR 7301 EH
(B) MULTIPLE PLANS.—. A State housing 
1
finance agency may submit multiple plans, each 
2
covering a separate portion of funding for 
3
which the State is eligible. 
4
(C) TIMING.—The Secretary shall approve 
5
or disapprove a plan within 30 days after the 
6
plan’s submission and, if disapproved, explain 
7
why the plan could not be approved. 
8
(D) DISBURSEMENT
UPON
APPROVAL.— 
9
The Secretary shall disburse to a State housing 
10
finance agency the appropriate amount of fund-
11
ing upon approval of the agency’s plan. 
12
(E) AMENDMENTS.—A State housing fi-
13
nance agency may subsequently amend a plan 
14
that has previously been approved, provided 
15
that any plan amendment shall be subject to 
16
the approval of the Secretary. The Secretary 
17
shall approve any plan amendment or dis-
18
approve such amendment explain why the plan 
19
amendment could not be approved within 45 
20
days after submission to the Secretary of such 
21
amendment. 
22
(F) TECHNICAL
ASSISTANCE.—The Sec-
23
retary shall provide technical assistance for any 
24

22 
•HR 7301 EH
State housing finance agency that twice fails to 
1
have a submitted plan approved. 
2
(4) PLAN
TEMPLATES.—The Secretary shall, 
3
not later than 30 days after the date of the enact-
4
ment of this Act, publish templates that States may 
5
utilize in drafting the plans required under para-
6
graph (3)(A). The template plans shall include 
7
standard program terms and requirements, as well 
8
as any required legal language, which State housing 
9
finance agencies may modify with the consent of the 
10
Secretary. 
11
(e) PERMISSIBLE USES OF FUND.— 
12
(1) IN
GENERAL.—Funds made available to 
13
State housing finance agencies pursuant to this sec-
14
tion may be used for the purposes established under 
15
subsection (b), which may include— 
16
(A) mortgage payment assistance, includ-
17
ing financial assistance to allow a borrower to 
18
reinstate their mortgage or to achieve a more 
19
affordable mortgage payment, which may in-
20
clude principal reduction or rate reduction, pro-
21
vided that any mortgage payment assistance is 
22
tailored to a borrower’s needs and their ability 
23
to repay, and takes into consideration the loss 
24
mitigation options available to the borrower; 
25

23 
•HR 7301 EH
(B) assistance with payment of taxes, haz-
1
ard insurance, flood insurance, mortgage insur-
2
ance, or homeowners’ association fees; 
3
(C) utility payment assistance, including 
4
electric, gas, water, and internet service, includ-
5
ing broadband internet access service (as such 
6
term is defined in section 8.1(b) of title 47, 
7
Code of Federal Regulations (or any successor 
8
regulation)); 
9
(D) reimbursement of funds expended by a 
10
State or local government during the period be-
11
ginning on January 21, 2020, and ending on 
12
the date that the first funds are disbursed by 
13
the State under the Fund, for the purpose of 
14
providing housing or utility assistance to indi-
15
viduals or otherwise providing funds to prevent 
16
foreclosure or eviction of a homeowner or pre-
17
vent mortgage delinquency or loss of housing or 
18
critical utilities as a response to the coronavirus 
19
disease 2019 (COVID–19) pandemic; and 
20
(E) any other assistance for homeowners 
21
to prevent eviction, mortgage delinquency or de-
22
fault, foreclosure, or the loss of essential utility 
23
services. 
24
(2) TARGETING.— 
25

24 
•HR 7301 EH
(A) REQUIREMENT.—Not less than 60 per-
1
cent of amounts made available for each State 
2
or other entity allocated amounts under sub-
3
section (c) shall be used for activities under 
4
paragraph (1) that assist homeowners having 
5
incomes equal to or less than 80 percent of the 
6
area median income. 
7
(B) DETERMINATION OF INCOME.— In de-
8
termining the income of a household for pur-
9
poses of this paragraph, income shall be consid-
10
ered to include only income that the household 
11
is receiving at the time of application for assist-
12
ance from the Fund and any income recently 
13
terminated shall not be included, except that for 
14
purposes of households receiving assistance for 
15
arrearages income shall include only the income 
16
that the household was receiving at the time 
17
such arrearages were incurred. 
18
(C) LANGUAGE ASSISTANCE.—Each State 
19
housing finance agency or other entity allocated 
20
amounts under subsection (c) shall make avail-
21
able to each applicant for assistance from 
22
amounts from the Fund language assistance in 
23
any language that such language assistance is 
24
available in and shall provide notice to each 
25

25 
•HR 7301 EH
such applicant that such language assistance is 
1
available. 
2
(3) ADMINISTRATIVE
EXPENSES.—Not more 
3
than 15 percent of the amount allocated to a State 
4
pursuant to subsection (c) may be used by a State 
5
housing financing agency for administrative ex-
6
penses. Any amounts allocated to administrative ex-
7
penses that are no longer necessary for administra-
8
tive expenses may be used in accordance with para-
9
graph (1). 
10
(f) TRIBAL AND NATIVE HAWAIIAN ASSISTANCE.— 
11
(1) DEFINITIONS.—In this subsection: 
12
(A) DEPARTMENT
OF
HAWAIIAN
HOME 
13
LANDS.—The term ‘‘Department of Hawaiian 
14
Home Lands’’ has the meaning given the term 
15
in section 801 of the Native American Housing 
16
Assistance and Self-Determination Act of 1996 
17
(42 U.S.C. 4221). 
18
(B) ELIGIBLE RECIPIENT.—The term ‘‘eli-
19
gible recipient’’ means any entity eligible to re-
20
ceive a grant under section 101 of the Native 
21
American Housing Assistance and Self-Deter-
22
mination Act of 1996 (25 U.S.C. 4111). 
23
(2) REQUIREMENTS.— 
24

26 
•HR 7301 EH
(A) ALLOCATION.—Except for the funds 
1
set aside under subsection (c)(5)(B), the Sec-
2
retary shall allocate the funds set aside under 
3
subsection (c)(5)(A) using the allocation for-
4
mula described in subpart D of part 1000 of 
5
title 24, Code of Federal Regulations (or any 
6
successor regulations). 
7
(B) NATIVE
HAWAIIANS.—The Secretary 
8
shall use the funds made available under sub-
9
section (c)(5)(B) in accordance with part 1006 
10
of title 24, Code of Federal Regulations (or suc-
11
cessor regulations). 
12
(3) TRANSFER.—The Secretary shall transfer 
13
any funds made available under subsection (c)(5) 
14
that have not been allocated by an eligible recipient 
15
or the Department of Hawaiian Home Lands, as ap-
16
plicable, to provide the assistance described in sub-
17
section (e)(1) by December 31, 2030, to the Sec-
18
retary of Housing and Urban Development to carry 
19
out the Native American Housing Assistance and 
20
Self-Determination Act of 1996 (25 U.S.C. 4101 et 
21
seq.). 
22
(g) FUNDING.—There is authorized to be appro-
23
priated to the Homeowner Assistance Fund established 
24
under subsection (b) $75,000,000,000, to remain available 
25

27 
•HR 7301 EH
until expended or transferred or credited under subsection 
1
(i). 
2
(h) USE OF HOUSING FINANCE AGENCY INNOVATION 
3
FUND
FOR
THE HARDEST HIT HOUSING MARKETS 
4
FUNDS.—A State housing finance agency may reallocate 
5
any administrative or programmatic funds it has received 
6
as an allocation from the Housing Finance Agency Inno-
7
vation Fund for the Hardest Hit Housing Markets created 
8
pursuant to section 101(a) of the Emergency Economic 
9
Stabilization Act of 2008 (12 U.S.C. 5211(a)) that have 
10
not been otherwise allocated or disbursed as of the date 
11
of enactment of this Act to supplement any administrative 
12
or programmatic funds received from the Housing Assist-
13
ance Fund. Such reallocated funds shall not be considered 
14
when allocating resources from the Housing Assistance 
15
Fund using the process established under subsection (c) 
16
and shall remain available for the uses permitted and 
17
under the terms and conditions established by the contract 
18
with Secretary created pursuant to subsection (d)(1) and 
19
the terms of subsection (i). 
20
(i) REPORTING
REQUIREMENTS.—The Secretary 
21
shall provide public reports not less frequently than quar-
22
terly regarding the use of funds provided by the Home-
23
owner Assistance Fund. Such reports shall include the fol-
24
lowing data by State and by program within each State, 
25

28 
•HR 7301 EH
both for the past quarter and throughout the life of the 
1
program— 
2
(1) the amount of funds allocated; 
3
(2) the amount of funds disbursed; 
4
(3) the number of households and individuals 
5
assisted; 
6
(4) the acceptance rate of applicants; 
7
(5) the type or types of assistance provided to 
8
each household; 
9
(6) whether the household assisted had a feder-
10
ally backed loan and identification of the Federal en-
11
tity backing such loan; 
12
(7) the average amount of funding provided per 
13
household receiving assistance and per type of as-
14
sistance provided; 
15
(8) the average number of monthly payments 
16
that were covered by the funding amount that a 
17
household received, as applicable, disaggregated by 
18
type of assistance provided; 
19
(9) the income level of each household receiving 
20
assistance; and 
21
(10) the outcome 12 months after the house-
22
hold has received assistance. 
23
Each report under this subsection shall disaggregate the 
24
information provided under paragraphs (3) through (10) 
25

29 
•HR 7301 EH
by State, zip code, racial and ethnic composition of the 
1
household, and whether or not the person from the house-
2
hold applying for assistance speaks English as a second 
3
language. 
4
SEC. 103. PROTECTING RENTERS AND HOMEOWNERS FROM 
5
EVICTIONS AND FORECLOSURES. 
6
(a) EVICTION MORATORIUM.—The CARES Act is 
7
amended by striking section 4024 (15 U.S.C. 9058; Public 
8
Law 116–136; 134 Stat. 492) and inserting the following 
9
new section: 
10
‘‘SEC. 4024. TEMPORARY MORATORIUM ON EVICTION FIL-
11
INGS. 
12
‘‘(a) CONGRESSIONAL
FINDINGS.—The Congress 
13
finds that— 
14
‘‘(1) according to the 2018 American Commu-
15
nity Survey, 36 percent of households in the United 
16
States—more than 43 million households—are rent-
17
ers; 
18
‘‘(2) in 2019 alone, renters in the United States 
19
paid $512 billion in rent; 
20
‘‘(3) according to the Joint Center for Housing 
21
Studies of Harvard University, 20.8 million renters 
22
in the United States spent more than 30 percent of 
23
their incomes on housing in 2018 and 10.9 million 
24

30 
•HR 7301 EH
renters spent more than 50 percent of their incomes 
1
on housing in the same year; 
2
‘‘(4) according to data from the Department of 
3
Labor, more than 30 million people have filed for 
4
unemployment since the COVID-19 pandemic began; 
5
‘‘(5) the impacts of the spread of COVID-19, 
6
which is now considered a global pandemic, are ex-
7
pected to negatively impact the incomes of poten-
8
tially millions of renter households, making it dif-
9
ficult for them to pay their rent on time; and 
10
‘‘(6) evictions in the current environment would 
11
increase homelessness and housing instability which 
12
would be counterproductive towards the public 
13
health goals of keeping individuals in their homes to 
14
the greatest extent possible. 
15
‘‘(b) MORATORIUM.—During the period beginning on 
16
the date of the enactment of this Act and ending 12 
17
months after such date of enactment, the lessor of a cov-
18
ered dwelling located in such State may not make, or 
19
cause to be made, any filing with the court of jurisdiction 
20
to initiate a legal action to recover possession of the cov-
21
ered dwelling from the tenant for nonpayment of rent or 
22
other fees or charges. 
23
‘‘(c) DEFINITIONS.—For purposes of this section, the 
24
following definitions shall apply: 
25

31 
•HR 7301 EH
‘‘(1) COVERED DWELLING.—The term ‘covered 
1
dwelling’ means a dwelling that is occupied by a ten-
2
ant— 
3
‘‘(A) pursuant to a residential lease; or 
4
‘‘(B) without a lease or with a lease ter-
5
minable at will under State law. 
6
‘‘(2) DWELLING.—The term ‘dwelling’ has the 
7
meaning given such term in section 802 of the Fair 
8
Housing Act (42 U.S.C. 3602) and includes houses 
9
and dwellings described in section 803(b) of such 
10
Act (42 U.S.C. 3603(b)). 
11
‘‘(d) NOTICE TO VACATE AFTER MORATORIUM EXPI-
12
RATION DATE.—After the expiration of the period de-
13
scribed in subsection (b), the lessor of a covered dwelling 
14
may not require the tenant to vacate the covered dwelling 
15
by reason of nonpayment of rent or other fees or charges 
16
before the expiration of the 30-day period that begins 
17
upon the provision by the lessor to the tenant, after the 
18
expiration of the period described in subsection (b), of a 
19
notice to vacate the covered dwelling.’’. 
20
(b) MORTGAGE RELIEF.— 
21
(1) FORBEARANCE AND FORECLOSURE MORA-
22
TORIUM FOR COVERED MORTGAGE LOANS.—Section 
23
4022 of the CARES Act (15 U.S.C. 9056) is 
24
amended— 
25

32 
•HR 7301 EH
(A) by striking ‘‘Federally backed mort-
1
gage loan’’ each place such term appears and 
2
inserting ‘‘covered mortgage loan’’; and 
3
(B) in subsection (a)— 
4
(i) by amending paragraph (2) to read 
5
as follows: 
6
‘‘(2) COVERED
MORTGAGE
LOAN.—The term 
7
‘covered mortgage loan’ means any credit trans-
8
action that is secured by a mortgage, deed of trust, 
9
or other equivalent consensual security interest on a 
10
1- to 4-unit dwelling or on residential real property 
11
that includes a 1- to 4-unit dwelling, except that it 
12
shall not include a credit transaction under an open 
13
end credit plan other than a reverse mortgage.’’; and 
14
(ii) by adding at the end the fol-
15
lowing: 
16
‘‘(3) COVERED
PERIOD.—With respect to a 
17
loan, the term ‘covered period’ means the period be-
18
ginning on the date of enactment of this Act and 
19
ending 12 months after such date of enactment.’’. 
20
(2) AUTOMATIC
FORBEARANCE
FOR
DELIN-
21
QUENT
BORROWERS.—Section 
4022(c) 
of 
the 
22
CARES Act (15 U.S.C. 9056(c)), as amended by 
23
paragraph (5) of this subsection, is further amended 
24
by adding at the end the following: 
25

33 
•HR 7301 EH
‘‘(9) AUTOMATIC
FORBEARANCE
FOR
DELIN-
1
QUENT BORROWERS.— 
2
‘‘(A) IN GENERAL.—Notwithstanding any 
3
other law governing forbearance relief— 
4
‘‘(i) any borrower whose covered mort-
5
gage loan became 60 days delinquent be-
6
tween March 13, 2020, and the date of en-
7
actment of this paragraph, and who has 
8
not already received a forbearance under 
9
subsection (b), shall automatically be 
10
granted a 60-day forbearance that begins 
11
on the date of enactment of this para-
12
graph, provided that a borrower shall not 
13
be considered delinquent for purposes of 
14
this paragraph while making timely pay-
15
ments or otherwise performing under a 
16
trial modification or other loss mitigation 
17
agreement; and 
18
‘‘(ii) any borrower whose covered 
19
mortgage loan becomes 60 days delinquent 
20
between the date of enactment of this 
21
paragraph and the end of the covered pe-
22
riod, and who has not already received a 
23
forbearance under subsection (b), shall 
24
automatically be granted a 60-day forbear-
25

34 
•HR 7301 EH
ance that begins on the 60th day of delin-
1
quency, provided that a borrower shall not 
2
be considered delinquent for purposes of 
3
this paragraph while making timely pay-
4
ments or otherwise performing under a 
5
trial modification or other loss mitigation 
6
agreement. 
7
‘‘(B) INITIAL EXTENSION.—An automatic 
8
forbearance provided under subparagraph (A) 
9
shall be extended for up to an additional 120 
10
days upon the borrower’s request, oral or writ-
11
ten, submitted to the borrower’s servicer affirm-
12
ing that the borrower is experiencing a financial 
13
hardship that prevents the borrower from mak-
14
ing timely payments on the covered mortgage 
15
loan due, directly or indirectly, to the COVID– 
16
19 emergency. 
17
‘‘(C) SUBSEQUENT
EXTENSION.—A for-
18
bearance extended under subparagraph (B) 
19
shall be extended for up to an additional 180 
20
days, up to a maximum of 360 days (including 
21
the period of automatic forbearance), upon the 
22
borrower’s request, oral or written, submitted to 
23
the borrower’s servicer affirming that the bor-
24
rower is experiencing a financial hardship that 
25

35 
•HR 7301 EH
prevents the borrower from making timely pay-
1
ments on the covered mortgage loan due, di-
2
rectly or indirectly, to the COVID–19 emer-
3
gency. 
4
‘‘(D) RIGHT TO ELECT TO CONTINUE MAK-
5
ING PAYMENTS.—With respect to a forbearance 
6
provided under this paragraph, the borrower of 
7
such loan may elect to continue making regular 
8
payments on the loan. A borrower who makes 
9
such election shall be offered a loss mitigation 
10
option pursuant to subsection (d) within 30 
11
days of resuming regular payments to address 
12
any payment deficiency during the forbearance. 
13
‘‘(E) RIGHT
TO
SHORTEN
FORBEAR-
14
ANCE.—At a borrower’s request, any period of 
15
forbearance provided under this paragraph may 
16
be shortened. A borrower who makes such a re-
17
quest shall be offered a loss mitigation option 
18
pursuant to subsection (d) within 30 days of re-
19
suming regular payments to address any pay-
20
ment deficiency during the forbearance. 
21
‘‘(10) AUTOMATIC FORBEARANCE FOR CERTAIN 
22
REVERSE MORTGAGE LOANS.— 
23
‘‘(A) IN
GENERAL.—When any covered 
24
mortgage loan which is also a federally-insured 
25

36 
•HR 7301 EH
reverse mortgage loan, during the covered pe-
1
riod, is due and payable due to the death of the 
2
last borrower or end of a deferral period or eli-
3
gible to be called due and payable due to a 
4
property charge default, or if the borrower de-
5
faults on a property charge repayment plan, or 
6
if the borrower defaults for failure to complete 
7
property repairs, or if an obligation of the bor-
8
rower under the Security Instrument is not per-
9
formed, the mortgagee automatically shall be 
10
granted a six-month extension of— 
11
‘‘(i) the mortgagee’s deadline to re-
12
quest due and payable status from the De-
13
partment of Housing and Urban Develop-
14
ment; 
15
‘‘(ii) the mortgage’s deadline to send 
16
notification to the mortgagor or his or her 
17
heirs that the loan is due and payable; 
18
‘‘(iii) the deadline to initiate fore-
19
closure; 
20
‘‘(iv) any reasonable diligence period 
21
related to foreclosure or the Mortgagee Op-
22
tional Election; 
23
‘‘(v) if applicable, the deadline to ob-
24
tain the due and payable appraisal; and 
25

37 
•HR 7301 EH
‘‘(vi) any claim submission deadline, 
1
including the 6-month acquired property 
2
marketing period. 
3
‘‘(B) FORBEARANCE PERIOD.—The mort-
4
gagee shall not request due and payable status 
5
from the Secretary of Housing and Urban De-
6
velopment nor initiate foreclosure during this 
7
six-month period described under subparagraph 
8
(A), which shall be considered a forbearance pe-
9
riod. 
10
‘‘(C) EXTENSION.—A forbearance provided 
11
under subparagraph (B) and related deadline 
12
extension authorized under subparagraph (A) 
13
shall be extended for an additional 180 days 
14
upon— 
15
‘‘(i) the borrower’s request, oral or 
16
written, 
submitted 
to 
the 
borrower’s 
17
servicer affirming that the borrower is ex-
18
periencing a financial hardship that pre-
19
vents the borrower from making payments 
20
on property charges, completing property 
21
repairs, or performing an obligation of the 
22
borrower under the Security Instrument 
23
due, directly or indirectly, to the COVID– 
24
19 emergency; 
25

38 
•HR 7301 EH
‘‘(ii) a non-borrowing spouse’s re-
1
quest, oral or written, submitted to the 
2
servicer affirming that the non-borrowing 
3
spouse has been unable to satisfy all cri-
4
teria for the Mortgagee Optional Election 
5
program due, directly or indirectly, to the 
6
COVID-19 emergency, or to perform all 
7
actions necessary to become an eligible 
8
non-borrowing spouse following the death 
9
of all borrowers; or 
10
‘‘(iii) a successor-in-interest of the 
11
borrower’s request, oral or written, sub-
12
mitted to the servicer affirming the heir’s 
13
difficulty satisfying the reverse mortgage 
14
loan due, directly or indirectly, to the 
15
COVID-19 emergency. 
16
‘‘(D) CURTAILMENT
OF
DEBENTURE
IN-
17
TEREST.—Where any covered mortgage loan 
18
which is also a federally insured reverse mort-
19
gage loan is in default during the covered pe-
20
riod and subject to a prior event which provides 
21
for curtailment of debenture interest in connec-
22
tion with a claim for insurance benefits, the 
23
curtailment of debenture interest shall be sus-
24

39 
•HR 7301 EH
pended during any forbearance period provided 
1
herein.’’. 
2
(3) ADDITIONAL FORECLOSURE AND REPOSSES-
3
SION
PROTECTIONS.—Section 
4022(c) 
of 
the 
4
CARES Act (15 U.S.C. 9056(c)) is amended— 
5
(A) in paragraph (2), by striking ‘‘may not 
6
initiate any judicial or non-judicial foreclosure 
7
process, move for a foreclosure judgment or 
8
order of sale, or execute a foreclosure-related 
9
eviction or foreclosure sale for not less than the 
10
60-day period beginning on March 18, 2020’’ 
11
and inserting ‘‘may not initiate or proceed with 
12
any judicial or non-judicial foreclosure process, 
13
schedule a foreclosure sale, move for a fore-
14
closure judgment or order of sale, execute a 
15
foreclosure related eviction or foreclosure sale 
16
for six months after the date of enactment of 
17
the Emergency Housing Protections and Relief 
18
Act of 2020’’; and 
19
(B) by adding at the end the following: 
20
‘‘(3) REPOSSESSION MORATORIUM.—In the case 
21
of personal property, including any recreational or 
22
motor vehicle, used as a dwelling, no person may use 
23
any judicial or non-judicial procedure to repossess or 
24

40 
•HR 7301 EH
otherwise take possession of such property for six 
1
months after date of enactment of this paragraph.’’. 
2
(4) MORTGAGE FORBEARANCE REFORMS.—Sec-
3
tion 4022 of the CARES Act (15 U.S.C. 9056) is 
4
amended— 
5
(A) in subsection (b), by striking para-
6
graphs (1), (2), and (3) and inserting the fol-
7
lowing: 
8
‘‘(1) IN GENERAL.—During the covered period, 
9
a borrower with a covered mortgage loan who has 
10
not obtained automatic forbearance pursuant to this 
11
section and who is experiencing a financial hardship 
12
that prevents the borrower from making timely pay-
13
ments on the covered mortgage loan due, directly or 
14
indirectly, to the COVID–19 emergency may request 
15
forbearance on the loan, regardless of delinquency 
16
status, by— 
17
‘‘(A) submitting a request, orally or in 
18
writing, to the servicer of the loan; and 
19
‘‘(B) affirming that the borrower is experi-
20
encing a financial hardship that prevents the 
21
borrower from making timely payments on the 
22
covered mortgage loan due, directly or indi-
23
rectly, to the COVID–19 emergency. 
24
‘‘(2) DURATION OF FORBEARANCE.— 
25

41 
•HR 7301 EH
‘‘(A) IN GENERAL.—Upon a request by a 
1
borrower to a servicer for forbearance under 
2
paragraph (1), such forbearance shall be grant-
3
ed by the servicer for the period requested by 
4
the borrower, up to an initial length of 180 
5
days, the length of which shall be extended by 
6
the servicer, at the request of the borrower for 
7
the period or periods requested, for a total for-
8
bearance period of up to 12-months. 
9
‘‘(B) 
MINIMUM
FORBEARANCE 
10
AMOUNTS.—For purposes of granting a forbear-
11
ance under this paragraph, a servicer may 
12
grant an initial forbearance with a term of not 
13
less than 90 days, provided that it is automati-
14
cally extended for an additional 90 days unless 
15
the servicer confirms the borrower does not 
16
want to renew the forbearance or that the bor-
17
rower is no longer experiencing a financial 
18
hardship that prevents the borrower from mak-
19
ing timely mortgage payments due, directly or 
20
indirectly, to the COVID–19 emergency. 
21
‘‘(C) 
RIGHT
TO
SHORTEN
FORBEAR-
22
ANCE.—At a borrower’s request, any period of 
23
forbearance described under this paragraph 
24
may be shortened. A borrower who makes such 
25

42 
•HR 7301 EH
a request shall be offered a loss mitigation op-
1
tion pursuant to subsection (d) within 30 days 
2
of resuming regular payments to address any 
3
payment deficiency during the forbearance. 
4
‘‘(3) ACCRUAL
OF
INTEREST
OR
FEES.—A 
5
servicer shall not charge a borrower any fees, pen-
6
alties, or interest (beyond the amounts scheduled or 
7
calculated as if the borrower made all contractual 
8
payments on time and in full under the terms of the 
9
mortgage contract) in connection with a forbearance, 
10
provided that a servicer may offer the borrower a 
11
modification option at the end of a forbearance pe-
12
riod granted hereunder that includes the capitaliza-
13
tion of past due principal and interest and escrow 
14
payments as long as the borrower’s principal and in-
15
terest payment under such modification remains at 
16
or below the contractual principal and interest pay-
17
ments owed under the terms of the mortgage con-
18
tract before such forbearance period except as the 
19
result of a change in the index of an adjustable rate 
20
mortgage. 
21
‘‘(4) COMMUNICATION WITH SERVICERS.—Any 
22
communication between a borrower and a servicer 
23
described under this section may be made in writing 
24
or orally, at the borrower’s choice. 
25

43 
•HR 7301 EH
‘‘(5) COMMUNICATION WITH BORROWERS WITH 
1
A
DISABILITY.—Upon request from a borrower, 
2
servicers shall communicate with borrowers who 
3
have a disability in the borrower’s preferred method 
4
of communication. For purposes of this paragraph, 
5
the term ‘disability’ has the meaning given that term 
6
in the Fair Housing Act, the Americans with Dis-
7
abilities Act of 1990, or the Rehabilitation Act of 
8
1973.’’; and 
9
(B) in subsection (c), by amending para-
10
graph (1) to read as follows: 
11
‘‘(1) 
NO
DOCUMENTATION
REQUIRED.—A 
12
servicer of a covered mortgage loan shall not require 
13
any documentation with respect to a forbearance 
14
under this section other than the borrower’s affirma-
15
tion (oral or written) to a financial hardship that 
16
prevents the borrower from making timely payments 
17
on the covered mortgage loan due, directly or indi-
18
rectly, to the COVID–19 emergency. An oral request 
19
for forbearance and oral affirmation of hardship by 
20
the borrower shall be sufficient for the borrower to 
21
obtain or extend a forbearance.’’. 
22
(5) OTHER SERVICER REQUIREMENTS DURING 
23
FORBEARANCE.—Section 4022(c) of the CARES Act 
24
(15 U.S.C. 9056(c)), as amended by paragraph (3) 
25

44 
•HR 7301 EH
of this subsection, is further amended by adding at 
1
the end the following: 
2
‘‘(4) FORBEARANCE
TERMS
NOTICE.—Within 
3
30 days of a servicer of a covered mortgage loan 
4
providing forbearance to a borrower under sub-
5
section (b) or paragraph (9) or (10), or 10 days if 
6
the forbearance is for a term of less than 60 days, 
7
but only where the forbearance was provided in re-
8
sponse to a borrower’s request for forbearance or 
9
when an automatic forbearance was initially pro-
10
vided under paragraph (9) or (10), and not when an 
11
existing forbearance is automatically extended, the 
12
servicer shall provide the borrower with a notice in 
13
accordance with the terms in paragraph (5). 
14
‘‘(5) CONTENTS OF NOTICE.—The written no-
15
tice required under paragraph (4) shall state in 
16
plain language— 
17
‘‘(A) the specific terms of the forbearance; 
18
‘‘(B) the beginning and ending dates of the 
19
forbearance; 
20
‘‘(C) that the borrower is eligible for up to 
21
12 months of forbearance; 
22
‘‘(D) that the borrower may request an ex-
23
tension of the forbearance unless the borrower 
24

45 
•HR 7301 EH
will have reached the maximum period at the 
1
end of the forbearance; 
2
‘‘(E) that the borrower may request that 
3
the initial or extended period be shortened at 
4
any time; 
5
‘‘(F) that the borrower should contact the 
6
servicer before the end of the forbearance pe-
7
riod; 
8
‘‘(G) a description of the loss mitigation 
9
options that may be available to the borrower at 
10
the end of the forbearance period based on the 
11
borrower’s specific loan; 
12
‘‘(H) information on how to find a housing 
13
counseling agency approved by the Department 
14
of Housing and Urban Development; 
15
‘‘(I) in the case of a forbearance provided 
16
pursuant to paragraph (9) or (10), that the for-
17
bearance was automatically provided and how 
18
to contact the servicer to make arrangements 
19
for further assistance, including any renewal; 
20
and 
21
‘‘(J) where applicable, that the forbearance 
22
is subject to an automatic extension including 
23
the terms of any such automatic extensions and 
24

46 
•HR 7301 EH
when any further extension would require a bor-
1
rower request. 
2
‘‘(6) TREATMENT
OF
ESCROW
ACCOUNTS.— 
3
During any forbearance provided under this section, 
4
a servicer shall pay or advance funds to make dis-
5
bursements in a timely manner from any escrow ac-
6
count established on the covered mortgage loan. 
7
‘‘(7) NOTIFICATION FOR BORROWERS.—During 
8
the period that begins 90 days after the date of the 
9
enactment of this paragraph and ends at the end of 
10
the covered period, each servicer of a covered mort-
11
gage loan shall be required to— 
12
‘‘(A) make available in a clear and con-
13
spicuous manner on their webpage accurate in-
14
formation, in English and Spanish, for bor-
15
rowers regarding the availability of forbearance 
16
as provided under subsection (b); and 
17
‘‘(B) notify every borrower whose pay-
18
ments on a covered mortgage loan are delin-
19
quent in any oral communication with or to the 
20
borrower that the borrower may be eligible to 
21
request forbearance as provided under sub-
22
section (b), except that such notice shall not be 
23
required if the borrower already has requested 
24
forbearance under subsection (b). 
25

47 
•HR 7301 EH
‘‘(8) CERTAIN TREATMENT UNDER RESPA.—As 
1
long as a borrower’s payment on a covered mortgage 
2
loan was not more than 30 days delinquent on 
3
March 13, 2020, a servicer may not deem the bor-
4
rower as delinquent while a forbearance granted 
5
under subsection (b) is in effect for purposes of the 
6
application of sections 6 and 10 of the Real Estate 
7
Settlement Procedures Act and any applicable regu-
8
lations.’’. 
9
(6) POST-FORBEARANCE LOSS MITIGATION.— 
10
(A) AMENDMENT TO CARES ACT.—Section 
11
4022 of the CARES Act (15 U.S.C. 9056) is 
12
amended by adding at the end the following: 
13
‘‘(d) POST-FORBEARANCE LOSS MITIGATION.— 
14
‘‘(1) NOTICE OF AVAILABILITY OF ADDITIONAL 
15
FORBEARANCE.—With respect to any covered mort-
16
gage loan as to which forbearance under this section 
17
has been granted and not otherwise extended, in-
18
cluding by automatic extension, a servicer shall, no 
19
later than 30 days before the end of the forbearance 
20
period, in writing, notify the borrower that addi-
21
tional forbearance may be available and how to re-
22
quest such forbearance, except that no such notice 
23
is required where the borrower already has requested 
24
an extension of the forbearance period, is subject to 
25

48 
•HR 7301 EH
automatic 
extension 
pursuant 
to 
subsection 
1
(b)(2)(B), or no additional forbearance is available. 
2
‘‘(2) LOSS MITIGATION OFFER BEFORE EXPIRA-
3
TION OF FORBEARANCE.—No later than 30 days be-
4
fore the end of any forbearance period that has not 
5
been extended or 30 days after a request by a con-
6
sumer to terminate the forbearance, which time shall 
7
be before the servicer initiates or engages in any 
8
foreclosure activity listed in subsection (c)(2), in-
9
cluding incurring or charging to a borrower any fees 
10
or corporate advances related to a foreclosure, the 
11
servicer shall, in writing— 
12
‘‘(A) offer the borrower a loss mitigation 
13
option, without the charging of any fees or pen-
14
alties other than interest, such that the bor-
15
rower’s principal and interest payment remains 
16
the same as it was prior to the forbearance, 
17
subject to any adjustment of the index pursuant 
18
to the terms of an adjustable rate mortgage, 
19
and that either— 
20
‘‘(i) defers the payment of total ar-
21
rearages, including any escrow advances, 
22
to the end of the existing term of the loan, 
23
without the charging or collection of any 
24

49 
•HR 7301 EH
additional 
interest 
on 
the 
deferred 
1
amounts; or 
2
‘‘(ii) extends the term of the mortgage 
3
loan, and capitalizes, defers, or forgives all 
4
escrow advances and other arrearages; 
5
provided, however, that the servicer may offer 
6
the borrower a loss mitigation option that re-
7
duces the principal and interest payment on the 
8
loan and capitalizes, defers, or forgives all es-
9
crow advances or arrearages if the servicer has 
10
information indicating that the borrower cannot 
11
resume the pre-forbearance mortgage payments; 
12
and 
13
‘‘(B) concurrent with the loss mitigation 
14
offer in subparagraph (A), notify the borrower 
15
that the borrower has the right to be evaluated 
16
for other loss mitigation options if the borrower 
17
is not able to make the payment under the op-
18
tion offered in subparagraph (A). 
19
‘‘(3) EVALUATION FOR LOSS MITIGATION PRIOR 
20
TO
FORECLOSURE
INITIATION.—Before a servicer 
21
may initiate or engage in any foreclosure activity 
22
listed in subsection (c)(2), including incurring or 
23
charging to a borrower any fees or corporate ad-
24
vances related to a foreclosure on the basis that the 
25

50 
•HR 7301 EH
borrower has failed to perform under the loss miti-
1
gation offer in paragraph (2)(A) within the first 90 
2
days after the option is offered, including a failure 
3
to accept the loss mitigation offer in paragraph 
4
(2)(A), the servicer shall— 
5
‘‘(A) unless the borrower has already sub-
6
mitted a complete application that the servicer 
7
is reviewing— 
8
‘‘(i) notify the borrower in writing of 
9
the documents and information, if any, 
10
needed by the servicer to enable the 
11
servicer to consider the borrower for all 
12
available loss mitigation options; 
13
‘‘(ii) exercise reasonable diligence to 
14
obtain the documents and information 
15
needed to complete the borrower’s loss 
16
mitigation application; 
17
‘‘(B) upon receipt of a complete applica-
18
tion or if, despite the servicer’s exercise of rea-
19
sonable diligence, the loss mitigation application 
20
remains incomplete sixty days after the notice 
21
in paragraph (2)(A) is sent, conduct an evalua-
22
tion of the complete or incomplete loss mitiga-
23
tion application without reference to whether 
24
the borrower has previously submitted a com-
25

51 
•HR 7301 EH
plete loss mitigation application and offer the 
1
borrower all available loss mitigation options for 
2
which the borrower qualifies under applicable 
3
investor guidelines, including guidelines regard-
4
ing required documentation. 
5
‘‘(4) EFFECT ON FUTURE REQUESTS FOR LOSS 
6
MITIGATION REVIEW.—An application, offer, or eval-
7
uation for loss mitigation under this section shall 
8
not be the basis for the denial of a borrower’s appli-
9
cation as duplicative or for a reduction in the bor-
10
rower’s appeal rights under Regulation X (12 CFR 
11
1024) in regard to any loss mitigation application 
12
submitted after the servicer has complied with the 
13
requirements of paragraphs (2) and (3). 
14
‘‘(5) SAFE HARBOR.—Any loss mitigation op-
15
tion authorized by the Federal National Mortgage 
16
Association, the Federal Home Loan Corporation, or 
17
the Federal Housing Administration that either— 
18
‘‘(A) defers the payment of total arrear-
19
ages, including any escrow advances, to the end 
20
of the existing term of the loan, without the 
21
charging or collection of any additional interest 
22
on the deferred amounts, or 
23
‘‘(B) extends the term of the mortgage 
24
loan, and capitalizes, defers, or forgives all es-
25

52 
•HR 7301 EH
crow advances and other arrearages, without 
1
the charging of any fees or penalties beyond in-
2
terest on any amount capitalized into the loan 
3
principal, 
4
shall be deemed to comply with the requirements of 
5
paragraph (1)(B). 
6
‘‘(6) HOME RETENTION OPTIONS FOR CERTAIN 
7
REVERSE MORTGAGE LOANS.— 
8
‘‘(A) IN GENERAL.—For a covered mort-
9
gage loan which is also a federally-insured re-
10
verse mortgage loan, a servicer’s conduct shall 
11
be deemed to comply with this section provided 
12
that if the loan is eligible to be called due and 
13
payable due to a property charge default, the 
14
mortgagee shall, as a precondition to sending a 
15
due and payable request to the Secretary or ini-
16
tiating or continuing a foreclosure process— 
17
‘‘(i) make a good faith effort to com-
18
municate with the borrower regarding 
19
available home retention options to cure 
20
the property charge default, including en-
21
couraging the borrower to apply for home 
22
retention options; and 
23

53 
•HR 7301 EH
‘‘(ii) consider the borrower for all 
1
available home retention options as allowed 
2
by the Secretary. 
3
‘‘(B) PERMISSIBLE REPAYMENT PLANS.— 
4
The Secretary shall amend its allowable home 
5
retention options to permit a repayment plan of 
6
up to 120 months in length, and to permit a re-
7
payment plan without regard to prior defaults 
8
on repayment plans. 
9
‘‘(C) LIMITATION ON INTEREST CURTAIL-
10
MENT.—The Secretary may not curtail interest 
11
paid to mortgagees who engage in loss mitiga-
12
tion or home retention actions through interest 
13
curtailment during such loss mitigation or home 
14
retention review or during the period when a 
15
loss mitigation or home retention plan is in ef-
16
fect and ending 90 days after any such plan 
17
terminates.’’. 
18
(B) AMENDMENT
TO
HOUSING
ACT
OF 
19
1949.—Section 505 of the Housing Act of 1949 
20
(42 U.S.C. 1475) is amended— 
21
(i) by striking the section heading and 
22
inserting ‘‘LOSS
MITIGATION
AND
FORE-
23
CLOSURE PROCEDURES’’; 
24

54 
•HR 7301 EH
(ii) in subsection (a), by striking the 
1
section designation and all that follows 
2
through ‘‘During any’’ and inserting the 
3
following: 
4
‘‘SEC. 505. (a) MORATORIUM.—(1) In determining a 
5
borrower’s eligibility for relief, the Secretary shall make 
6
all eligibility decisions based on the borrower’s household’s 
7
income, expenses, and circumstances. 
8
‘‘(2) During any’’. 
9
(iii) by redesignating subsection (b) as 
10
subsection (c); and 
11
(iv) by inserting after subsection (a) 
12
the following new subsection: 
13
‘‘(b) LOAN
MODIFICATION.—(1) Notwithstanding 
14
any other provision of this title, for any loan made under 
15
section 502 or 504, the Secretary may modify the interest 
16
rate and extend the term of such loan for up to 30 years 
17
from the date of such modification. 
18
‘‘(2) At the end of any moratorium period granted 
19
under this section or under the Emergency Housing Pro-
20
tections and Relief Act of 2020, the Secretary shall deter-
21
mine whether the borrower can reasonably resume making 
22
principal and interest payments after the Secretary modi-
23
fies the borrower’s loan obligations in accordance with 
24
paragraph (1).’’. 
25

55 
•HR 7301 EH
(7) MULTIFAMILY MORTGAGE FORBEARANCE.— 
1
Section 4023 of the CARES Act (15 U.S.C. 9057) 
2
is amended— 
3
(A) by striking ‘‘Federally backed multi-
4
family mortgage loan’’ each place such term ap-
5
pears and inserting ‘‘multifamily mortgage 
6
loan’’; 
7
(B) in subsection (b), by striking ‘‘during’’ 
8
and inserting ‘‘due, directly or indirectly, to’’; 
9
(C) in subsection (c)(1)— 
10
(i) in subparagraph (A), by adding 
11
‘‘and’’ at the end; 
12
(ii) by striking subparagraphs (B) and 
13
(C) and inserting the following: 
14
‘‘(B) provide the forbearance for up to the 
15
end of the period described under section 
16
4024(b).’’; and 
17
(D) by redesignating subsection (f) as sub-
18
section (g); 
19
(E) by inserting after subsection (e) the 
20
following: 
21
‘‘(f) TREATMENT AFTER FORBEARANCE.—With re-
22
spect to a multifamily mortgage loan provided a forbear-
23
ance under this section, the servicer of such loan— 
24

56 
•HR 7301 EH
‘‘(1) shall provide the borrower with a 12- 
1
month period beginning at the end of such forbear-
2
ance to become current on the payments under such 
3
loan; 
4
‘‘(2) may not charge any late fees, penalties, or 
5
other charges with respect to payments on the loan 
6
that were due during the forbearance period, if such 
7
payments are made before the end of the 12-month 
8
period; and 
9
‘‘(3) may not report any adverse information to 
10
a credit rating agency (as defined under section 603 
11
of the Fair Credit Reporting Act with respect to any 
12
payments on the loan that were due during the for-
13
bearance period, if such payments are made before 
14
the end of the 12-month period.).’’; and 
15
(F) in subsection (g), as so redesignated— 
16
(i) in paragraph (2)— 
17
(I) by striking ‘‘that—’’ and all 
18
that follows through ‘‘(A) is secured 
19
by’’ and inserting ‘‘that is secured 
20
by’’; 
21
(II) by striking ‘‘; and’’ and in-
22
serting a period; and 
23
(III) by striking subparagraph 
24
(B); and 
25

57 
•HR 7301 EH
(ii) by amending paragraph (5) to 
1
read as follows: 
2
‘‘(5) COVERED
PERIOD.—With respect to a 
3
loan, the term ‘covered period’ has the meaning 
4
given that term under section 4022(a)(3).’’. 
5
(8) RENTER PROTECTIONS DURING FORBEAR-
6
ANCE PERIOD.—A borrower that receives a forbear-
7
ance pursuant to section 4022 or 4023 of the 
8
CARES Act (15 U.S.C. 9056 or 9057) may not, for 
9
the duration of the forbearance— 
10
(A) evict or initiate the eviction of a tenant 
11
solely for nonpayment of rent or other fees or 
12
charges; or 
13
(B) charge any late fees, penalties, or 
14
other charges to a tenant for late payment of 
15
rent. 
16
(9) EXTENSION OF GSE PATCH.— 
17
(A) 
NON-APPLICABILITY
OF
EXISTING 
18
SUNSET.—Section 1026.43(e)(4)(iii)(B) of title 
19
12, Code of Federal Regulations, shall have no 
20
force or effect. 
21
(B) EXTENDED
SUNSET.—The special 
22
rules in section 1026.43(e)(4) of title 12, Code 
23
of Federal Regulations, shall apply to covered 
24
transactions consummated prior to June 1, 
25

58 
•HR 7301 EH
2022, or such later date as the Director of the 
1
Bureau of Consumer Financial Protection may 
2
determine, by rule. 
3
(10) SERVICER SAFE HARBOR FROM INVESTOR 
4
LIABILITY.— 
5
(A) SAFE HARBOR.— 
6
(i) IN GENERAL.—A servicer of cov-
7
ered mortgage loans or multifamily mort-
8
gage loans shall be deemed not to have vio-
9
lated any duty or contractual obligation 
10
owed to investors or other parties regard-
11
ing such mortgage loans on account of of-
12
fering or implementing in good faith for-
13
bearance during the covered period or of-
14
fering or implementing in good faith post- 
15
forbearance loss mitigation (including after 
16
the expiration of the covered period) in ac-
17
cordance with the terms of sections 4022 
18
and 4023 of the CARES Act to borrowers, 
19
respectively, on covered or multifamily 
20
mortgage loans that it services and shall 
21
not be liable to any party who is owed such 
22
a duty or obligation or subject to any in-
23
junction, stay, or other equitable relief to 
24
such party on account of such offer or im-
25

59 
•HR 7301 EH
plementation of forbearance or post-for-
1
bearance loss mitigation. 
2
(ii) OTHER
PERSONS.—Any person, 
3
including a trustee of a securitization vehi-
4
cle 
or 
other 
party 
involved 
in 
a 
5
securitization or other investment vehicle, 
6
who in good faith cooperates with a 
7
servicer of covered or multifamily mortgage 
8
loans held by that securitization or invest-
9
ment vehicle to comply with the terms of 
10
section 4022 and 4023 of the CARES Act, 
11
respectively, to borrowers on covered or 
12
multifamily mortgage loans owned by the 
13
securitization or other investment vehicle 
14
shall not be liable to any party who is owed 
15
such a duty or obligation or subject to any 
16
injunction, stay, or other equitable relief to 
17
such party on account of its cooperation 
18
with an offer or implementation of forbear-
19
ance during the covered period or post-for-
20
bearance loss mitigation, including after 
21
the expiration of the covered period. 
22
(B) STANDARD
INDUSTRY
PRACTICE.— 
23
During the covered period, notwithstanding any 
24
contractual restrictions, it is deemed to be 
25

60 
•HR 7301 EH
standard industry practice for a servicer to 
1
offer forbearance or loss mitigation options in 
2
accordance with the terms of sections 4022 and 
3
4023 of the CARES Act to borrowers, respec-
4
tively, on all covered or multifamily mortgage 
5
loans it services. 
6
(C) RULE OF CONSTRUCTION.—Nothing in 
7
this paragraph may be construed as affecting 
8
the liability of a servicer or other person for ac-
9
tual fraud in the servicing of a mortgage loan 
10
or for the violation of a State or Federal law. 
11
(D) DEFINITIONS.—In this paragraph: 
12
(i) COVERED MORTGAGE LOAN.—The 
13
term ‘‘covered mortgage loan’’ has the 
14
meaning given that term under section 
15
4022(a) of the CARES Act. 
16
(ii) COVERED
PERIOD.—The term 
17
‘‘covered period’’ has the meaning given 
18
that term under section 4023(g) of the 
19
CARES Act. 
20
(iii) 
MULTIFAMILY
MORTGAGE 
21
LOAN.—The term ‘‘multifamily mortgage 
22
loan’’ has the meaning given that term 
23
under section 4023(g) of the CARES Act. 
24

61 
•HR 7301 EH
(iv) 
SERVICER.—The 
term 
1
‘‘servicer’’— 
2
(I) has the meaning given the 
3
term under section 6(i) of the Real 
4
Estate Settlement Procedures Act of 
5
1974 (12 U.S.C. 2605(i)); and 
6
(II) means a master servicer and 
7
a subservicer, as such terms are de-
8
fined, 
respectively, 
under 
section 
9
1024.31 of title 12, Code of Federal 
10
Regulations. 
11
(v) SECURITIZATION
VEHICLE.—The 
12
term ‘‘securitization vehicle’’ has the 
13
meaning give that term under section 
14
129A(f) of the Truth in Lending Act (15 
15
U.S.C. 1639a(f)). 
16
(c) BANKRUPTCY PROTECTIONS.— 
17
(1) BANKRUPTCY PROTECTIONS FOR FEDERAL 
18
CORONAVIRUS RELIEF PAYMENTS.—Section 541(b) 
19
of title 11, United States Code, is amended— 
20
(A) in paragraph (9), in the matter fol-
21
lowing subparagraph (B), by striking ‘‘or’’; 
22
(B) in paragraph (10)(C), by striking the 
23
period at the end and inserting ‘‘; or’’; and 
24

62 
•HR 7301 EH
(C) by inserting after paragraph (10) the 
1
following: 
2
‘‘(11) payments made under Federal law relat-
3
ing to the national emergency declared by the Presi-
4
dent under the National Emergencies Act (50 
5
U.S.C. 1601 et seq.) with respect to the coronavirus 
6
disease 2019 (COVID–19).’’. 
7
(2) PROTECTION
AGAINST
DISCRIMINATORY 
8
TREATMENT OF HOMEOWNERS IN BANKRUPTCY.— 
9
Section 525 of title 11, United States Code, is 
10
amended by adding at the end the following: 
11
‘‘(d) A person may not be denied any forbearance, 
12
assistance, or loan modification relief made available to 
13
borrowers by a mortgage creditor or servicer because the 
14
person is or has been a debtor, or has received a discharge, 
15
in a case under this title.’’. 
16
(3) INCREASING
THE
HOMESTEAD
EXEMP-
17
TION.—Section 522 of title 11, United States Code, 
18
is amended— 
19
(A) in subsection (d)(1), by striking 
20
‘‘$15,000’’ and inserting ‘‘$100,000’’; and 
21
(B) by adding at the end the following: 
22
‘‘(r) Notwithstanding any other provision of applica-
23
ble nonbankruptcy law, a debtor in any State may exempt 
24
from property of the estate the property described in sub-
25

63 
•HR 7301 EH
section (d)(1) not to exceed the value in subsection (d)(1) 
1
if the exemption for such property permitted by applicable 
2
nonbankruptcy law is lower than that amount.’’. 
3
(4) EFFECT OF MISSED MORTGAGE PAYMENTS 
4
ON DISCHARGE.—Section 1328 of title 11, United 
5
States Code, is amended by adding at the end the 
6
following: 
7
‘‘(i) A debtor shall not be denied a discharge under 
8
this section because, as of the date of discharge, the debtor 
9
did not make 6 or fewer payments directly to the holder 
10
of a debt secured by real property. 
11
‘‘(j) Notwithstanding subsections (a) and (b), upon 
12
the debtor’s request, the court shall grant a discharge of 
13
all debts provided for in the plan that are dischargeable 
14
under subsection (a) if the debtor— 
15
‘‘(1) has made payments under a confirmed 
16
plan for at least 1 year; and 
17
‘‘(2) is experiencing or has experienced a mate-
18
rial financial hardship due, directly or indirectly, to 
19
the coronavirus disease 2019 (COVID–19) pan-
20
demic.’’. 
21
(5) EXPANDED
ELIGIBILITY
FOR
CHAPTER 
22
13.—Section 109(e) of title 11, United States Code, 
23
is amended— 
24

64 
•HR 7301 EH
(A) by striking ‘‘$250,000’’ each place the 
1
term appears and inserting ‘‘$850,000’’; and 
2
(B) by striking ‘‘$750,000’’ each place the 
3
term appears and inserting ‘‘$2,600,000’’. 
4
(6) EXTENDED
CURE
PERIOD
FOR
HOME-
5
OWNERS HARMED BY COVID–19 PANDEMIC.— 
6
(A) IN GENERAL.—Chapter 13 of title 11, 
7
United States Code, is amended by adding at 
8
the end thereof the following: 
9
‘‘§ 1331. Special provisions related to COVID–19 pan-
10
demic 
11
‘‘(a) Notwithstanding subsections (b)(2) and (d) of 
12
section 1322, if the debtor is experiencing or has experi-
13
enced a material financial hardship due, directly or indi-
14
rectly, to the coronavirus disease 2019 (COVID–19) pan-
15
demic, a plan may provide for the curing of any default 
16
within a reasonable time, not to exceed 7 years after the 
17
time that the first payment under the original confirmed 
18
plan was due, and maintenance of payments while the case 
19
is pending on any unsecured claim or secured claim on 
20
which the last payment is due after the expiration of such 
21
time. Any such plan provision shall not affect the applica-
22
ble commitment period under section 1325(b). 
23
‘‘(b) For purposes of sections 1328(a) and 1328(b), 
24
any cure or maintenance payments under subsection (a) 
25

65 
•HR 7301 EH
that are made after the end of the period during which 
1
the plan provides for payments (other than payments 
2
under subsection (a)) shall not be treated as payments 
3
under the plan. 
4
‘‘(c) Notwithstanding section 1329(c), a plan modi-
5
fied under section 1329 at the debtor’s request may pro-
6
vide for cure or maintenance payments under subsection 
7
(a) over a period that is not longer than 7 years after 
8
the time that the first payment under the original con-
9
firmed plan was due. 
10
‘‘(d) Notwithstanding section 362(c)(2), during the 
11
period after the debtor receives a discharge and the period 
12
during which the plan provides for the cure of any default 
13
and maintenance of payments under the plan, section 
14
362(a) shall apply to the holder of a claim for which a 
15
default is cured and payments are maintained under sub-
16
section (a) and to any property securing such claim. 
17
‘‘(e) Notwithstanding section 1301(a)(2), the stay of 
18
section 1301(a) terminates upon the granting of a dis-
19
charge under section 1328 with respect to all creditors 
20
other than the holder of a claim for which a default is 
21
cured and payments are maintained under subsection 
22
(a).’’. 
23
(B) TABLE OF CONTENTS.—The table of 
24
sections of chapter 13, title 11, United States 
25

66 
•HR 7301 EH
Code, is amended by adding at the end thereof 
1
the following: 
2
‘‘Sec. 1331. Special provisions related to COVID–19 Pandemic.’’. 
(C) 
APPLICATION.—The 
amendments 
3
made by this paragraph shall apply only to any 
4
case under title 11, United States Code, com-
5
menced before 3 years after the date of enact-
6
ment of this Act and pending on or commenced 
7
after such date of enactment, in which a plan 
8
under chapter 13 of title 11, United States 
9
Code, was not confirmed before March 27, 
10
2020. 
11
SEC. 104. LIQUIDITY FOR MORTGAGE SERVICERS AND RESI-
12
DENTIAL RENTAL PROPERTY OWNERS. 
13
(a) IN GENERAL.—Section 4003 of the CARES Act 
14
(15 U.S.C. 9042), is amended by adding at the end the 
15
following: 
16
‘‘(i) LIQUIDITY FOR MORTGAGE SERVICERS.— 
17
‘‘(1) IN GENERAL.—Subject to paragraph (2), 
18
the Secretary shall ensure that servicers of covered 
19
mortgage loans (as defined under section 4022) and 
20
multifamily mortgage loans (as defined under sec-
21
tion 4023) are provided the opportunity to partici-
22
pate in the loans, loan guarantees, or other invest-
23
ments made by the Secretary under this section. The 
24
Secretary shall ensure that servicers are provided 
25

67 
•HR 7301 EH
with access to such opportunities under equitable 
1
terms and conditions regardless of their size. 
2
‘‘(2) MORTGAGE
SERVICER
ELIGIBILITY.—In 
3
order to receive assistance under subsection (b)(4), 
4
a mortgage servicer shall— 
5
‘‘(A) 
demonstrate 
that 
the 
mortgage 
6
servicer has established policies and procedures 
7
to use such funds only to replace funds used for 
8
borrower assistance, including to advance funds 
9
as a result of forbearance or other loss mitiga-
10
tion provided to borrowers; 
11
‘‘(B) demonstrate that the mortgage 
12
servicer has established policies and procedures 
13
to provide forbearance, post-forbearance loss 
14
mitigation, and other assistance to borrowers in 
15
compliance with the terms of section 4022 or 
16
4023, as applicable; 
17
‘‘(C) 
demonstrate 
that 
the 
mortgage 
18
servicer has established policies and procedures 
19
to ensure that forbearance and post-forbearance 
20
assistance is available to all borrowers in a non- 
21
discriminatory fashion and in compliance with 
22
the Fair Housing Act, the Equal Credit Oppor-
23
tunity Act, and other applicable fair housing 
24
and fair lending laws; and 
25

68 
•HR 7301 EH
‘‘(D) comply with the limitations on com-
1
pensation set forth in section 4004. 
2
‘‘(3) MORTGAGE SERVICER REQUIREMENTS.—A 
3
mortgage servicer receiving assistance under sub-
4
section (b)(4) may not, while the servicer is under 
5
any obligation to repay funds provided or guaran-
6
teed under this section— 
7
‘‘(A) pay dividends with respect to the 
8
common stock of the mortgage servicer or pur-
9
chase an equity security of the mortgage 
10
servicer or any parent company of the mortgage 
11
servicer if the security is listed on a national se-
12
curities exchange, except to the extent required 
13
under a contractual obligation that is in effect 
14
on the date of enactment of this subsection; or 
15
‘‘(B) prepay any debt obligation.’’. 
16
(b) CREDIT FACILITY FOR RESIDENTIAL RENTAL 
17
PROPERTY OWNERS.— 
18
(1) IN GENERAL.—The Board of Governors of 
19
the Federal Reserve System shall— 
20
(A) establish a facility, using amounts 
21
made available under section 4003(b)(4) of the 
22
CARES Act (15 U.S.C. 9042(b)(4)), to make 
23
long-term, low-cost loans to residential rental 
24
property owners as to temporarily compensate 
25

69 
•HR 7301 EH
such owners for documented financial losses 
1
caused by reductions in rent payments; and 
2
(B) defer such owners’ required payments 
3
on such loans until after six months after the 
4
date of enactment of this Act. 
5
(2) REQUIREMENTS.—A borrower that receives 
6
a loan under this subsection may not, for the dura-
7
tion of the loan— 
8
(A) evict or initiate the eviction of a tenant 
9
solely for nonpayment of rent or other fees or 
10
charges; 
11
(B) charge any late fees, penalties, or 
12
other charges to a tenant for late payment of 
13
rent; and 
14
(C) with respect to a person or entity de-
15
scribed under paragraph (4), discriminate on 
16
the basis of source of income. 
17
(3) REPORT ON RESIDENTIAL RENTAL PROP-
18
ERTY OWNERS.—The Board of Governors shall issue 
19
a report to the Congress containing the following, 
20
with respect to each property owner receiving a loan 
21
under this subsection: 
22
(A) The number of borrowers that received 
23
assistance under this subsection. 
24

70 
•HR 7301 EH
(B) The average total loan amount that 
1
each borrower received. 
2
(C) The total number of rental units that 
3
each borrower owned. 
4
(D) The average rent charged by each bor-
5
rower. 
6
(4) REPORT ON LARGE RESIDENTIAL RENTAL 
7
PROPERTY OWNERS.—The Board of Governors shall 
8
issue a report to Congress that identifies any person 
9
or entity that in aggregate owns or holds a control-
10
ling interest in any entity that, in aggregate, owns— 
11
(A) more than 100 rental units that are lo-
12
cated within in a single Metropolitan Statistical 
13
Area; 
14
(B) more than 1,000 rental units nation-
15
wide; or 
16
(C) rental units in three or more States. 
17
(c) AMENDMENTS TO NATIONAL HOUSING ACT.— 
18
Section 306(g)(1) of the National Housing Act (12 U.S.C. 
19
1721(a)) is amended— 
20
(1) in the fifth sentence, by inserting after 
21
‘‘issued’’ the following: ‘‘, subject to any pledge or 
22
grant of security interest of the Federal Reserve 
23
under section 4003(a) of the CARES Act (Public 
24
Law 116–136; 134 Stat. 470; 15 U.S.C. 9042(a)) 
25

71 
•HR 7301 EH
and to any such mortgage or mortgages or any in-
1
terest therein and the proceeds thereon, which the 
2
Association may elect to approve’’; and 
3
(2) in the sixth sentence— 
4
(A) by striking ‘‘or (C)’’ and inserting 
5
‘‘(C)’’; and 
6
(B) by inserting before the period the fol-
7
lowing: ‘‘, or (D) its approval and honoring of 
8
any pledge or grant of security interest of the 
9
Federal Reserve under section 4003(a) of the 
10
CARES Act and to any such mortgage or mort-
11
gages or any interest therein and proceeds 
12
thereon as’’. 
13
SEC. 105. RURAL RENTAL ASSISTANCE. 
14
There is authorized to be appropriated for fiscal year 
15
2020 $309,000,000 for rural rental assistance, which shall 
16
remain available until September 30, 2021, of which— 
17
(1) up to $25,000,000 may be used for an addi-
18
tional amount for rural housing vouchers for any 
19
low-income households (including those not receiving 
20
rental assistance) residing in a property financed 
21
with a section 515 loan which has been prepaid after 
22
September 30, 2005, or has matured after Sep-
23
tember 30, 2019; and 
24

72 
•HR 7301 EH
(2) the remainder shall be used for an addi-
1
tional amount for rural rental assistance agreements 
2
entered into or renewed pursuant to section 
3
521(a)(2) of the Housing Act of 1949 (42 U.S.C. 
4
1490a(a)(2)) to— 
5
(A) supplement the rental assistance of 
6
households on whose behalf assistance is being 
7
provided; and 
8
(B) provide rental assistance on behalf of 
9
households who are not being assisted with such 
10
rental assistance but who qualify for such as-
11
sistance. 
12
SEC. 106. FUNDING FOR PUBLIC HOUSING AND TENANT- 
13
BASED RENTAL ASSISTANCE. 
14
(a) PUBLIC HOUSING OPERATING FUND.—There is 
15
authorized to be appropriated for an additional amount 
16
for fiscal year 2020 for the Public Housing Operating 
17
Fund under section 9(e) of the United States Housing Act 
18
of 1937 (42 U.S.C. 1437g(e)) $2,000,000,000, to remain 
19
available until September 30, 2021. 
20
(b) TENANT-BASED SECTION 8 RENTAL ASSIST-
21
ANCE.—There is authorized to be appropriated for an ad-
22
ditional amount for fiscal year 2020 for the tenant-based 
23
rental assistance under section 8(o) of the United States 
24
Housing 
Act 
of 
1937 
(42 
U.S.C. 
1437f(o)) 
25

73 
•HR 7301 EH
$3,000,000,000, to remain available until September 30, 
1
2021, of which not more than $500,000,000 may be used 
2
for administrative fees under section 8(q) of such Act (42 
3
U.S.C. 1437f(q)). 
4
(c) APPLICABILITY OF WAIVERS.—Any waiver or al-
5
ternative requirement made by the Secretary of Housing 
6
and Urban Development pursuant to the heading ‘‘Ten-
7
ant-Based Rental Assistance’’ or ‘‘Public Housing Oper-
8
ating Fund’’ in title XII of division B of the CARES Act 
9
(Public Law 116–136) shall apply with respect to amounts 
10
made available pursuant to this section. 
11
SEC. 107. SUPPLEMENTAL FUNDING FOR SUPPORTIVE 
12
HOUSING FOR THE ELDERLY, SUPPORTIVE 
13
HOUSING FOR PERSONS WITH DISABILITIES, 
14
SUPPORTIVE HOUSING FOR PERSONS WITH 
15
AIDS, AND PROJECT-BASED SECTION 8 RENT-
16
AL ASSISTANCE. 
17
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
18
authorized to be appropriated $500,000,000 for fiscal year 
19
2020 for additional assistance for supportive housing for 
20
the elderly, of which— 
21
(1) $200,000,000 shall be for rental assistance 
22
under section 202 of the Housing Act of 1959 (12 
23
U.S.C. 1701q) or section 8 of the United States 
24
Housing Act of 1937 (42 U.S.C. 1437f), as appro-
25

74 
•HR 7301 EH
priate, and for hiring additional staff and for serv-
1
ices and costs, including acquiring personal protec-
2
tive equipment, to prevent, prepare for, or respond 
3
to 
the 
public 
health 
emergency 
relating 
to 
4
Coronavirus Disease 2019 (COVID-19) pandemic; 
5
and 
6
(2) $300,000,000 shall be for grants under sec-
7
tion 676 of the Housing and Community Develop-
8
ment Act of 1992 (42 U.S.C. 13632) for costs of 
9
providing service coordinators for purposes of coordi-
10
nating services to prevent, prepare for, or respond to 
11
the public health emergency relating to Coronavirus 
12
Disease 2019 (COVID-19). 
13
Any provisions of, and waivers and alternative require-
14
ments issued by the Secretary pursuant to, the heading 
15
‘‘Department of Housing and Urban Development—Hous-
16
ing Programs—Housing for the Elderly’’ in title XII of 
17
division B of the CARES Act (Public Law 116–136) shall 
18
apply with respect to amounts made available pursuant 
19
to this subsection.
20
(b) ELIGIBILITY OF SUPPORTIVE HOUSING FOR PER-
21
SONS WITH DISABILITIES.—Subsection (a) of section 676 
22
of the Housing and Community Development Act of 1992 
23
(42 U.S.C. 13632(a)) shall be applied, for purposes of 
24

75 
•HR 7301 EH
subsection (a) of this section, by substituting ‘‘(G), and 
1
(H)’’ for ‘‘ and (G)’’. 
2
(c) SERVICE COORDINATORS.— 
3
(1) HIRING.—In the hiring of staff using 
4
amounts made available pursuant to this section for 
5
costs of providing service coordinators, grantees 
6
shall consider and hire, at all levels of employment 
7
and to the greatest extent possible, a diverse staff, 
8
including by race, ethnicity, gender, and disability 
9
status. Each grantee shall submit a report to the 
10
Secretary of Housing and Urban Development de-
11
scribing compliance with the preceding sentence not 
12
later than the expiration of the 120-day period that 
13
begins upon the termination of the emergency de-
14
clared on March 13, 2020, by the President under 
15
the Robert T. Stafford Disaster Relief and Emer-
16
gency Assistance Act (42 U.S.C. 4121 et seq.) relat-
17
ing to the Coronavirus Disease 2019 (COVID-19) 
18
pandemic. 
19
(2) ONE-TIME
GRANTS.—Grants made using 
20
amounts made available pursuant to subsection (a) 
21
for costs of providing service coordinators shall not 
22
be renewable. 
23
(3) ONE-YEAR
AVAILABILITY.—Any amounts 
24
made available pursuant to this section for costs of 
25

76 
•HR 7301 EH
providing service coordinators that are allocated for 
1
a grantee and remain unexpended upon the expira-
2
tion of the 12-month period beginning upon such al-
3
location shall be recaptured by the Secretary. 
4
(d) FUNDING FOR SUPPORTIVE HOUSING FOR PER-
5
SONS WITH DISABILITIES.—There is authorized to be ap-
6
propriated $200,000,000 for fiscal year 2020 for addi-
7
tional assistance for supportive housing for persons with 
8
disabilities under section 811 of the Cranston-Gonzalez 
9
National Affordable Housing Act (42 U.S.C. 8013). Any 
10
provisions of, and waivers and alternative requirements 
11
issued by the Secretary pursuant to, the heading ‘‘Depart-
12
ment of Housing and Urban Development—Housing Pro-
13
grams—Housing for Persons With Disabilities’’ in title 
14
XII of division B of the CARES Act (Public Law 116– 
15
136) shall apply with respect to amounts made available 
16
pursuant to this subsection. 
17
(e) FUNDING FOR HOUSING OPPORTUNITIES FOR 
18
PEOPLE WITH AIDS PROGRAM.—There is authorized to 
19
be appropriated $15,000,000 for fiscal year 2020 for addi-
20
tional assistance for the Housing Opportunities for Per-
21
sons with AIDS program under the AIDS Housing Oppor-
22
tunity Act (42 U.S.C. 12901 et seq.). Any provisions of, 
23
and waivers and alternative requirements issued by the 
24
Secretary pursuant to, the heading ‘‘Department of Hous-
25

77 
•HR 7301 EH
ing and Urban Development—Community Planning and 
1
Development—Housing Opportunities for Persons With 
2
AIDS’’ in title XII of division B of the CARES Act (Pub-
3
lic Law 116–136) shall apply with respect to amounts 
4
made available pursuant to this subsection. 
5
(f) FUNDING
FOR
PROJECT-BASED
SECTION
8 
6
RENTAL ASSISTANCE.—There is authorized to be appro-
7
priated $750,000,000 for fiscal year 2020 for additional 
8
assistance for project-based rental assistance under sec-
9
tion 8 of the United States Housing Act of 1937 (42 
10
U.S.C. 1437f). Any provisions of, and waivers and alter-
11
native requirements issued by the Secretary pursuant to, 
12
the heading ‘‘Department of Housing and Urban Develop-
13
ment—Housing Programs—Project-Based Rental Assist-
14
ance’’ in title XII of division B of the CARES Act (Public 
15
Law 116–136) shall apply with respect to amounts made 
16
available pursuant to this subsection. 
17
SEC. 108. FAIR HOUSING. 
18
(a) DEFINITION
OF COVID–19 EMERGENCY PE-
19
RIOD.— For purposes of this Act, the term ‘‘COVID–19 
20
emergency period’’ means the period that begins upon the 
21
date of the enactment of this Act and ends upon the date 
22
of the termination by the Federal Emergency Manage-
23
ment Agency of the emergency declared on March 13, 
24
2020, by the President under the Robert T. Stafford Dis-
25

78 
•HR 7301 EH
aster Relief and Emergency Assistance Act (42 U.S.C. 
1
4121 et seq.) relating to the Coronavirus Disease 2019 
2
(COVID–19) pandemic. 
3
(b) FAIR HOUSING ACTIVITIES.— 
4
(1) AUTHORIZATION OF APPROPRIATIONS.—To 
5
ensure existing grantees have sufficient resource for 
6
fair housing activities and for technology and equip-
7
ment needs to deliver services through use of the 
8
Internet or other electronic or virtual means in re-
9
sponse to the public health emergency related to the 
10
Coronavirus Disease 2019 (COVID-19) pandemic, 
11
there is authorized to be appropriated $4,000,000 
12
for Fair Housing Organization Initiative grants 
13
through the Fair Housing Initiatives Program under 
14
section 561 of the Housing and Community Devel-
15
opment Act of 1987 (42 U.S.C. 3616a). 
16
(2) 3-YEAR AVAILABILITY.—Any amounts made 
17
available pursuant paragraph (1) that are allocated 
18
for a grantee and remain unexpended upon the expi-
19
ration of the 3-year period beginning upon such allo-
20
cation shall be recaptured by the Secretary. 
21
(c) FAIR HOUSING EDUCATION.—There is authorized 
22
to be appropriated $10,000,000 for the Office of Fair 
23
Housing and Equal Opportunity of the Department of 
24
Housing and Urban Development to carry out a national 
25

79 
•HR 7301 EH
media campaign and local education and outreach to edu-
1
cate the public of increased housing rights during 
2
COVID–19 emergency period, that provides that informa-
3
tion and materials used in such campaign are available— 
4
(1) in the languages used by communities with 
5
limited English proficiency; and 
6
(2) to persons with disabilities. 
7
SEC. 109. FUNDING FOR HOUSING COUNSELING SERVICES. 
8
(a) CONGRESSIONAL FINDINGS.—The Congress finds 
9
that— 
10
(1) the spread of Coronavirus Disease 2019 
11
(COVID–19), which is now considered a global pan-
12
demic, is expected to negatively impact the incomes 
13
of potentially millions of homeowners, renters, indi-
14
viduals experiencing homelessness, and individuals at 
15
risk of homelessness, making it difficult for them to 
16
pay their mortgages or rents on time; 
17
(2) housing counseling is critical to ensuring 
18
that homeowners, renters, individuals experiencing 
19
homelessness, and individuals at risk of homeless-
20
ness have the resources they need to manage finan-
21
cial hardships from the COVID-19 crisis; 
22
(3) loan preservation and foreclosure mitigation 
23
services are also critical to address the needs of 
24
homeowners who lose employment and income be-
25

80 
•HR 7301 EH
cause of the pandemic and who face serious delin-
1
quency or home loan default, or are in foreclosing 
2
proceedings during this period; 
3
(4) evaluations from the National Foreclosure 
4
Mitigation Counseling program revealed that home-
5
owners at risk of or facing foreclosure are better 
6
served when they have access to a housing counselor 
7
and a range of tools and resources to help them 
8
avoid losing their home and have the support they 
9
need to tailor the best possible response to their sit-
10
uation. 
11
(b) AUTHORIZATION OF APPROPRIATIONS.—There is 
12
authorized to be appropriated to the Neighborhood Rein-
13
vestment Corporation (in this section referred to as the 
14
‘‘Corporation’’) established under the Neighborhood Rein-
15
vestment Corporation Act (42 U.S.C. 8101 et seq.) 
16
$100,000,000 for fiscal year 2020 for housing counseling 
17
services, which shall remain available until September 30, 
18
2023. 
19
(c) PRIORITIZATION
OF
HOUSING
COUNSELING 
20
SERVICES.—Of any grant funds made available pursuant 
21
to subsection (b), not less than 40 percent shall be pro-
22
vided to counseling organizations that target counseling 
23
services to minority and low-income homeowners, renters, 
24
individuals experiencing homelessness, and individuals at 
25

81 
•HR 7301 EH
risk of homelessness or provide such services in neighbor-
1
hoods with high concentrations of minority and low-in-
2
come homeowners, renters, individuals experiencing home-
3
lessness, and individuals at risk of homelessness. 
4
(d) ELIGIBLE USES.—Amounts made available pur-
5
suant to subsection (b) may be used in such amounts as 
6
the Corporation determines for costs of— 
7
(1) public education and outreach; 
8
(2) direct services, including the full range of 
9
services provided by housing counselors to assist 
10
homeowners, including manufactured homeowners, 
11
regardless of financing type, renters, individuals ex-
12
periencing homelessness, and individuals at risk of 
13
homelessness, including the practices, tools, and in-
14
novations in foreclosure mitigation that were utilized 
15
in the National Foreclosure Mitigation Counseling 
16
Program, and financial capability, credit counseling, 
17
homeless counseling, and rental counseling; 
18
(3) 
equipment 
and 
technology, 
including 
19
broadband internet and equipment upgrades needed 
20
to ensure timely and effective service delivery; 
21
(4) training, including capacitating housing 
22
counseling staff in various modes of counseling, in-
23
cluding rental and foreclosure, delivery of remote 
24
counseling utilizing improved technology, enhanced 
25

82 
•HR 7301 EH
network security, and supportive options for the de-
1
livery of client services; and 
2
(5) administration and oversight of the program 
3
in accordance with the Corporation’s rate for pro-
4
gram administration. 
5
(e) DISBURSEMENT.—The Corporation shall disburse 
6
all grant funds made available pursuant to subsection (b) 
7
as expeditiously as possible, through grants to housing 
8
counseling intermediaries approved by the Department of 
9
Housing and Urban Development, State housing finance 
10
agencies, and NeighborWorks organizations. The aggre-
11
gate amount provided to NeighborWorks organizations 
12
shall not exceed 15 percent of the total of grant funds 
13
made available pursuant to subsection (b). 
14
TITLE II—PROTECTING PEOPLE 
15
EXPERIENCING HOMELESSNESS 
16
SEC. 201. HOMELESS ASSISTANCE FUNDING. 
17
(a) EMERGENCY HOMELESS ASSISTANCE.— 
18
(1) AUTHORIZATION
OF
APPROPRIATIONS.— 
19
There is authorized to be appropriated under the 
20
Emergency Solutions Grants program under subtitle 
21
B of title IV of the McKinney-Vento Homeless As-
22
sistance 
Act 
(42 
U.S.C. 
11371 
et 
seq.) 
23
$11,500,000,000 for grants under such subtitle in 
24
accordance with this subsection to respond to needs 
25

83 
•HR 7301 EH
arising from the public health emergency relating to 
1
Coronavirus Disease 2019 (COVID-19). Of such 
2
amounts made available, $4,000,000,000 shall be al-
3
located in accordance with sections 413 and 414 of 
4
the McKinney-Vento Homeless Assistance Act (42 
5
U.S.C. 11372, 11373). 
6
(2) FORMULA.—Notwithstanding sections 413 
7
and 414 of the McKinney-Vento Homeless Assist-
8
ance Act (42 U.S.C. 11372, 11373), the Secretary 
9
of Housing and Urban Development (in this Act re-
10
ferred to as the ‘‘Secretary’’) shall allocate any 
11
amounts remaining after amounts are allocated pur-
12
suant to paragraph (1) in accordance with a formula 
13
to be established by the Secretary that takes into 
14
consideration the following factors: 
15
(A) Risk of transmission of coronavirus in 
16
a jurisdiction. 
17
(B) Whether a jurisdiction has a high 
18
number or rate of sheltered and unsheltered 
19
homeless individuals and families. 
20
(C) Economic and housing market condi-
21
tions in a jurisdiction. 
22
(3) ELIGIBLE ACTIVITIES.—In addition to eligi-
23
ble activities under section 415(a) of the McKinney- 
24
Vento 
Homeless 
Assistance 
Act 
(42 
U.S.C. 
25

84 
•HR 7301 EH
11374(a), amounts made available pursuant to para-
1
graph (1) may also be used for costs of the following 
2
activities: 
3
(A) Providing training on infectious dis-
4
ease prevention and mitigation. 
5
(B) Providing hazard pay, including for 
6
time worked before the effectiveness of this sub-
7
paragraph, for staff working directly to prevent 
8
and mitigate the spread of coronavirus or 
9
COVID-19 among people experiencing or at 
10
risk of homelessness. 
11
(C) Reimbursement of costs for eligible ac-
12
tivities (including activities described in this 
13
paragraph) relating to preventing, preparing 
14
for, or responding to the coronavirus or 
15
COVID-19 that were accrued before the date of 
16
the enactment of this Act. 
17
(D) 
Notwithstanding 
24 
CFR 
18
576.102(a)(3), providing a hotel or motel 
19
voucher for a homeless individual or family. 
20
Use of such amounts for activities described in this 
21
paragraph shall not be considered use for adminis-
22
trative purposes for purposes of section 418 of the 
23
McKinney-Vento Homeless Assistance Act (42 
24
U.S.C. 11377). 
25

85 
•HR 7301 EH
(4) 
INAPPLICABILITY
OF
PROCUREMENT 
1
STANDARDS.—To the extent amounts made available 
2
pursuant to paragraph (1) are used to procure goods 
3
and services relating to activities to prevent, prepare 
4
for, or respond to the coronavirus or COVID-19, the 
5
standards and requirements regarding procurement 
6
that are otherwise applicable shall not apply. 
7
(5) INAPPLICABILITY
OF
HABITABILITY
AND 
8
ENVIRONMENTAL
REVIEW
STANDARDS.—Any Fed-
9
eral standards and requirements regarding habit-
10
ability and environmental review shall not apply with 
11
respect to any emergency shelter that is assisted 
12
with amounts made available pursuant to paragraph 
13
(1) and has been determined by a State or local 
14
health official, in accordance with such requirements 
15
as the Secretary shall establish, to be necessary to 
16
prevent and mitigate the spread of coronavirus or 
17
COVID-19, such shelters. 
18
(6) INAPPLICABILITY OF CAP ON EMERGENCY 
19
SHELTER
ACTIVITIES.—Subsection (b) of section 
20
415 of the McKinney-Vento Homeless Assistance 
21
Act shall not apply to any amounts made available 
22
pursuant to paragraph (1) of this subsection. 
23
(7) INITIAL ALLOCATION OF ASSISTANCE.—Sec-
24
tion 417(b) of the McKinney-Vento Homeless Assist-
25

86 
•HR 7301 EH
ance Act (42 U.S.C. 11376(b)) shall be applied with 
1
respect to amounts made available pursuant to para-
2
graph (1) of this subsection by substituting ‘‘30- 
3
day’’ for ‘‘60-day’’. 
4
(8) WAIVERS
AND
ALTERNATIVE
REQUIRE-
5
MENTS.— 
6
(A) 
AUTHORITY.—In 
administering 
7
amounts made available pursuant to paragraph 
8
(1), the Secretary may waive, or specify alter-
9
native requirements for, any provision of any 
10
statute or regulation (except for any require-
11
ments related to fair housing, nondiscrimina-
12
tion, labor standards, and the environment) 
13
that the Secretary administers in connection 
14
with the obligation or use by the recipient of 
15
such amounts, if the Secretary finds that good 
16
cause exists for the waiver or alternative re-
17
quirement and such waiver or alternative re-
18
quirement is consistent with the purposes de-
19
scribed in this subsection. 
20
(B) NOTIFICATION.—The Secretary shall 
21
notify the public through the Federal Register 
22
or other appropriate means 5 days before the 
23
effective date of any such waiver or alternative 
24
requirement, and any such public notice may be 
25

87 
•HR 7301 EH
provided on the Internet at the appropriate 
1
Government web site or through other elec-
2
tronic media, as determined by the Secretary. 
3
(C) EXEMPTION.—The use of amounts 
4
made available pursuant to paragraph (1) shall 
5
not be subject to the consultation, citizen par-
6
ticipation, or match requirements that other-
7
wise apply to the Emergency Solutions Grants 
8
program, except that a recipient shall publish 
9
how it has and will utilize its allocation at a 
10
minimum on the Internet at the appropriate 
11
Government web site or through other elec-
12
tronic media. 
13
(9) INAPPLICABILITY OF MATCHING REQUIRE-
14
MENT.—Subsection (a) of section 416 of the McKin-
15
ney-Vento Homeless Assistance Act (42 U.S.C. 
16
11375(a)) shall not apply to any amounts made 
17
available pursuant to paragraph (1) of this sub-
18
section. 
19
(10) PROHIBITION ON PREREQUISITES.—None 
20
of the funds authorized under this subsection may 
21
be used to require people experiencing homelessness 
22
to receive treatment or perform any other pre-
23
requisite activities as a condition for receiving shel-
24
ter, housing, or other services. 
25

88 
•HR 7301 EH
(b) CONTINUUM OF CARE PROGRAM.—Due to the 
1
emergency relating to the Coronavirus Disease 2019 
2
(COVID-19) pandemic, the Notice of Funding Availability 
3
(NOFA) for fiscal year 2020 for the Continuum of Care 
4
program under subtitle C of title IV of the McKinney- 
5
Vento Homeless Assistance Act (42 U.S.C. 11381 et seq.) 
6
shall have no force or effect and the Secretary of Housing 
7
and Urban Development shall distribute amounts made 
8
available for such fiscal year for such program based on 
9
the results of the competition for amounts made available 
10
for such program for fiscal year 2019 (FR–6300–25), ex-
11
cept that grant amounts may be adjusted to account for 
12
changes in fair market rents. 
13
SEC. 202. EMERGENCY RENTAL ASSISTANCE VOUCHER 
14
PROGRAM. 
15
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
16
authorized to be appropriated to the Secretary of Housing 
17
and Urban Development (in this section referred to as the 
18
‘‘Secretary’’), $1,000,000,000 for fiscal year 2020, to re-
19
main available until expended, for incremental emergency 
20
vouchers under subsection (b). 
21
(b) EMERGENCY VOUCHERS.— 
22
(1) IN GENERAL.—The Secretary shall provide 
23
emergency rental assistance vouchers under this sub-
24
section, which shall be tenant-based rental assistance 
25

89 
•HR 7301 EH
under section 8(o) the United States Housing Act of 
1
1937 (42 U.S.C. 1437f(o)). 
2
(2) SELECTION OF FAMILIES.— 
3
(A) MANDATORY
PREFERENCES.—Each 
4
public housing agency administering assistance 
5
under this section shall provide preference for 
6
such assistance to eligible families that are— 
7
(i) homeless (as such term is defined 
8
in section 103(a) of the McKinney-Vento 
9
Homeless 
Assistance 
Act 
(42 
U.S.C. 
10
11302(a)); 
11
(ii) at risk of homelessness (as such 
12
term is defined in section 401 of the 
13
McKinney-Vento Homeless Assistance Act 
14
(42 U.S.C. 11360); or 
15
(iii) fleeing, or attempting to flee, do-
16
mestic violence, dating violence, sexual as-
17
sault, or stalking. 
18
(B) ALLOCATION.—In allocating amounts 
19
made available under this section, the Secretary 
20
shall— 
21
(i) not later than 60 days after the 
22
date of the enactment of this Act, allocate 
23
at least 50 percent of such amounts to 
24

90 
•HR 7301 EH
public housing agencies in accordance with 
1
a formula that considers— 
2
(I) the capability of public hous-
3
ing agencies to promptly use emer-
4
gency vouchers provided under this 
5
section; and 
6
(II) the need for emergency 
7
vouchers provided under this section 
8
in the geographical area, based on 
9
factors determined by the Secretary, 
10
including risk of transmission of 
11
coronavirus, high numbers or rates of 
12
sheltered and unsheltered homeless-
13
ness, and economic and housing mar-
14
ket conditions; 
15
(ii) allocate remaining amounts in ac-
16
cordance with a formula that considers— 
17
(I) the criteria under clause (i) 
18
and the success of a public housing 
19
agency in promptly utilizing vouchers 
20
awarded under clause (i); and 
21
(II) the capability of the public 
22
housing agency to create and manage 
23
structured partnerships with service 
24

91 
•HR 7301 EH
providers for the delivery of appro-
1
priate community-based services; and 
2
(iii) designate the number of vouchers 
3
under this section that each public housing 
4
agency that is awarded funds under this 
5
section is authorized to administer. 
6
(C) ELECTION NOT TO ADMINISTER.—If a 
7
public housing agency elects not to administer 
8
amounts under this section, the Secretary shall 
9
award such amounts to other public housing 
10
agencies according to the criteria in subpara-
11
graph (B). 
12
(D) FAILURE TO USE VOUCHERS PROMPT-
13
LY.—If a public housing agency fails to issue 
14
all of its authorized vouchers under this section 
15
on behalf of eligible families within a reasonable 
16
period of time as determined by the Secretary, 
17
the Secretary shall reallocate any unissued 
18
vouchers and associated funds to others public 
19
housing agencies according to the criteria under 
20
subparagraph (B)(ii). 
21
(3) WAIVERS
AND
ALTERNATIVE
REQUIRE-
22
MENTS.—Any waiver or alternative requirement that 
23
the Secretary makes available to all public housing 
24
agencies in connection with assistance made avail-
25

92 
•HR 7301 EH
able under the heading ‘‘Tenant-Based Rental As-
1
sistance’’ in title XII of division B of the CARES 
2
Act (Public Law 116–136; 134 Stat.601) shall apply 
3
to assistance under this section until the expiration 
4
of such waiver or alternative requirement. 
5
(4) TERMINATION OF VOUCHERS UPON TURN-
6
OVER.— 
7
(A) IN GENERAL.—A public housing agen-
8
cy may not reissue any vouchers made available 
9
under this section when assistance for the fam-
10
ily initially assisted is terminated. 
11
(B) REALLOCATION.—Upon termination of 
12
assistance for one or more families assisted by 
13
a public housing agency under this section, the 
14
Secretary shall reallocate amounts that are no 
15
longer needed by such public housing agency 
16
for assistance under this section to another 
17
public housing agency for the renewal of vouch-
18
ers previously authorized under this section. 
19
Passed the House of Representatives June 29, 2020. 
Attest: 
Clerk. 


116TH CONGRESS 
2D SESSION 
H. R. 7301 
AN ACT 
To prevent evictions, foreclosures, and unsafe hous-
ing conditions resulting from the COVID-19 pan-
demic, and for other purposes.

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