,,iv  #aacth ,,congress  #ast ,session  
,h4 ,,con4 ,,res4 #fj  ,,in ,,the       
,,house ,,of ,,representatives  ,october
 #aa1 #bjac,ms4 ,waters 7for herself1   
,mr4 ,hoyer1 ,mr4 ,van ,hollen1 ,mr4    
,moran1 ,ms4 ,edwards1 ,mr4 ,connolly1  
,ms4 ,norton1 ,mrs4 ,carolyn ,b4        
,maloney of ,new ,york1 ,mr4 ,watt1 ,mr4
 ,sherman1 ,mr4 ,meeks1 ,mr4 ,capuano1  
,mr4 ,hinojosa1 ,mr4 ,clay1 ,mr4 ,lynch1
 ,mr4 ,david ,scott of ,georgia1 ,mr4   
,al ,green of ,texas1 ,mr4 ,cleaver1    
,ms4 ,moore1 ,mr4 ,ellison1 ,mr4        
,perlmutter1 ,mr4 ,himes1 ,mr4 ,carney1 
,ms4 ,sewell of ,alabama1 ,mr4 ,foster1 
,mr4 ,kildee1 ,mr4 ,murphy of ,florida1 
,mr4 ,delaney1 ,mrs4 ,beatty1 and ,mr4  
,heck of ,washington7 submitted the     
following concurrent resolution2 which  
was referred to the ,committee on       
,financial ,services1 and in addition to
 the ,committee on ,oversight and       
,government ,reform1 for a period to be 
subsequently determined by the ,speaker1
 in each case for consideration of such 

provisions as fall within the           
jurisdiction of the committee concerned 
,,concurrent ,,resolution  ,expressing  
the sense of ,congress that financial   
institutions should work proactively    
with their customers affected by the    
shutdown of the ,federal ,government who
 may be facing short-term financial     
hardship and long-term damage to their  
creditworthiness through no fault of    
their own4  ,that it is the sense of    
,congress that-- 7#a7 financial         
institutions should work with their     
customers affected by the shutdown of   
the ,federal ,government that began on  
,october #a1 #bjac2  7#b7 individuals   
affected by the shutdown who are or will
 be facing financial distress should    
contact their lenders to alert them of  
their situation immediately2  7#c7      
affected customers may face financial   
hardship in making timely payments on   
their debts1 such as mortgages1 student 
loans1 car loans1 credit cards1 and     
other debt due to the temporary delay or

 permanent loss of their salaries2  7#d7
 financial institutions should consider 
temporarily waiving or reducing penalty1
 late payment1 and similar fees in order
 to provide quick relief to their       
affected customers2  7#e7 affected      
employees of the ,federal ,government   
may be experiencing financial stress    
through no fault of their own and their 
creditworthiness should not be impaired 
because of the shutdown2  7#f7 prudent  
workout arrangements that are consistent
 with safe and sound lending practices  
are generally in the long-term best     
interest of the financial institution1  
the borrower1 and the economy2  7#g7    
financial institutions should work      
proactively to identify their customers 
who have been affected and adopt        
flexible1 prudent arrangements to help  
such customers meet their debt          
obligations2  7#h7 prudent efforts to   
adopt flexible workout arrangements for 
affected employees and their families   
should not be subject to examiner       

criticism or negative examinations2 and 
7#i7 employees furloughed due to the    
shutdown of the ,federal ,government    
should be compensated at their standard 
rate of compensation for the period     
beginning ,october #a1 #bjac1 through   
the date on which the lapse in          
appropriations ends1 consistent with the
 principle adopted by the ,house when it
 passed the bill1 ,h4,r4 #cbbc on       
,october #e1 #bjac1 by a vote of #djg-j4