,,iv  #aac? ,,congress  #a/ ,session    
,h4 ,,con4 ,,res4 #fj  ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,octob] #aa1      
#bjac,ms4 ,wat]s 7= h]self1 ,mr4 ,hoy]1 
,mr4 ,van ,holl51 ,mr4 ,moran1 ,ms4     
,edw>ds1 ,mr4 ,connolly1 ,ms4 ,norton1  
,mrs4 ,c>olyn ,b4 ,maloney ( ,new ,york1
 ,mr4 ,watt1 ,mr4 ,%]man1 ,mr4 ,meeks1  
,mr4 ,capuano1 ,mr4 ,h9ojosa1 ,mr4      
,clay1 ,mr4 ,lyn*1 ,mr4 ,david ,scott ( 
,georgia1 ,mr4 ,al ,gre5 ( ,texas1 ,mr4 
,cleav]1 ,ms4 ,moore1 ,mr4 ,ellison1    
,mr4 ,p]lmutt]1 ,mr4 ,himes1 ,mr4       
,c>ney1 ,ms4 ,sewell ( ,alabama1 ,mr4   
,fo/]1 ,mr4 ,kildee1 ,mr4 ,murphy (     
,florida1 ,mr4 ,delaney1 ,mrs4 ,beatty1 
& ,mr4 ,heck ( ,wa%+ton7 submitt$ !     
foll[+ concurr5t resolution2 :i* 0      
ref]r$ to ! ,committee on ,f9ancial     
,s]vices1 & 9 addition to ! ,committee  
on ,ov]sight & ,gov]nm5t ,re=m1 = a     
p]iod to be subsequ5tly det]m9$ by !    
,speak]1 9 ea* case = consid]ation ( su*
 provisions z fall )9 ! jurisdiction ( !
 committee conc]n$  ,,concurr5t         

,,resolution  ,express+ ! s5se (        
,congress t f9ancial in/itutions %\ld "w
 proactively ) _! cu/om]s affect$ by !  
%utd[n ( ! ,f$]al ,gov]nm5t :o may be   
fac+ %ort-t]m f9ancial h>d%ip & long-t]m
 damage to _! cr$itwor?9ess ?r\gh no    
fault ( _! own4  ,t x is ! s5se (       
,congress t-- 7#a7 f9ancial in/itutions 
%\ld "w ) _! cu/om]s affect$ by ! %utd[n
 ( ! ,f$]al ,gov]nm5t t began on ,octob]
 #a1 #bjac2  7#b7 individuals affect$ by
 ! %utd[n :o are or w be fac+ f9ancial  
di/ress %\ld contact _! l5d]s to al]t !m
 ( _! situation imm$iately2  7#c7       
affect$ cu/om]s may face f9ancial h>d%ip
 9 mak+ timely paym5ts on _! debts1 su* 
z mortgages1 /ud5t loans1 c> loans1     
cr$it c>ds1 & o!r debt due to ! tempor>y
 delay or p]man5t loss ( _! sal>ies2    
7#d7 f9ancial in/itutions %\ld consid]  
tempor>ily waiv+ or r$uc+ p5alty1 late  
paym5t1 & simil> fees 9 ord] to provide 
quick relief to _! affect$ cu/om]s2     
7#e7 affect$ employees ( ! ,f$]al       
,gov]nm5t may be exp]i5c+ f9ancial /ress

 ?r\gh no fault ( _! own & _!           
cr$itwor?9ess %\ld n be impair$ because 
( ! %utd[n2  7#f7 prud5t work\t         
arrangem5ts t are consi/5t ) safe & s\nd
 l5d+ practices are g5]ally 9 ! long-t]m
 be/ int]e/ ( ! f9ancial in/itution1 !  
borr[]1 & ! economy2  7#g7 f9ancial     
in/itutions %\ld "w proactively to      
id5tify _! cu/om]s :o h be5 affect$ &   
adopt flexible1 prud5t arrangem5ts to   
help su* cu/om]s meet _! debt           
obligations2  7#h7 prud5t ef=ts to adopt
 flexible work\t arrangem5ts = affect$  
employees & _! families %\ld n be       
subject to exam9] criticism or negative 
exam9ations2 &  7#i7 employees furl\gh$ 
due to ! %utd[n ( ! ,f$]al ,gov]nm5t    
%\ld be comp5sat$ at _! /&>d rate (     
comp5sation = ! p]iod beg9n+ ,octob] #a1
 #bjac1 ?r\gh ! date on :i* ! lapse 9   
appropriations ends1 consi/5t ) !       
pr9ciple adopt$ by ! ,h\se :5 x pass$ ! 
bill1 ,h4,r4 #cbbc on ,octob] #e1 #bjac1
 by a vote ( #djg-j4