#aaf? ,,congress  #a/ ,session  ,h4 ,r4 
#bbij  ,,an ,,act  ,to require ! ,f$]al 
f9ancial regulators to issue guidance   
enc\rag+ f9ancial in/itutions to "w )   
consum]s & bus9esses affect$ by a ,f$]al
 ,gov]nm5t %utd[n1 & = o!r purposes4    
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,%utd[n ,guidance = ,f9ancial         
,in/itutions ,act4  #b4 ,%utd[n guidance
 = f9ancial in/itutions  7a7 ,guidance  
,n lat] ?an ! end ( ! #ahj-;day p]iod   
beg9n+ on ! date ( enactm5t ( ?is ,act1 
! ,f$]al f9ancial regulators %all1      
jo9tly1 9 consultation ) ,/ate bank+    
regulators & o!r appropriate ,f$]al &   
,/ate ag5cies1 issue %utd[n guidance to 
! f9ancial in/itutions !y regulate      
enc\rag+ ! f9ancial in/itutions to--    
7#a7 "w ) consum]s & bus9esses affect$  
by a %utd[n2  7#b7 recognize t consum]s 
& bus9esses affect$ by a %utd[n may lose
 access to cr$it & face tempor>y h>d%ip 
9 mak+ paym5ts on debts su* z mortgages1
 /ud5t loans1 c> loans1 bus9ess loans1  
or cr$it c>ds2  7#c7 consid] prud5t     

ef=ts to modify t]ms on exi/+ loans or  
ext5d new cr$it to help consum]s &      
bus9esses affect$ by a %utd[n1 consi/5t 
) safe-&-s\nd l5d+ practices2 &  7#d7   
take /eps to prev5t adv]se in=mation be+
 report$ 9 a mann] t h>ms consum]s      
affect$ by a %utd[n1 includ+ by prev5t+ 
modifi$ cr$it arrangem5ts int5d$ to help
 consum]s fulfill _! f9ancial           
obligations f be+ report$ to1 & cod$ by1
 consum] report+ ag5cies on a consum]'s 
cr$it report 9 a mann] t hurts !        
cr$itwor?9ess ( ! consum]4  7b7 ,notice 
( guidance dur+ a %utd[n ,n lat] ?an !  
end ( ! #bd-;h\r p]iod beg9n+ at ! />t (
 a %utd[n1 ! ,f$]al f9ancial regulators 
%all1 jo9tly1 issue a press release to  
al]t f9ancial in/itutions1 consum]s1 &  
bus9esses to ! exi/5ce1 & cont5t1 ( !   
guidance issu$ pursuant to subsection   
7a74  7c7 ,po/-,%utd[n report to        
,congress & updat$ guidance  7#a7 ,9    
g5]al ,n lat] ?an ! end ( ! #ij-;day    
p]iod beg9n+ on ! date a %utd[n ends1 ! 
,f$]al f9ancial regulators %all1 jo9tly1

 issue a report to ,congress conta9+ an 
analysis ( ! effectiv5ess ( ! guidance  
issu$ pursuant to subsection 7a74  7#b7 
,updat$ guidance ,n lat] ?an ! end ( !  
#ahj-;day p]iod beg9n+ on ! date a      
report is issu$ "u p>agraph 7#a71 !     
,f$]al f9ancial regulators %all update !
 guidance requir$ "u subsection 7a7 if  
any %ortcom+s are id5tifi$ 9 su* report4
  7d7 ,def9itions ,9 ?is section3  7#a7 
,consum]s affect$ by a %utd[n ,! t]m    
consum]s affect$ by a %utd[n means an   
individual :o is an employee (-- 7,a7 ! 
,f$]al ,gov]nm5t1 & :o is furl\gh$ or   
except$ f a furl\gh dur+ ! %utd[n2  7,b7
 ! ,di/rict ( ,columbia1 & :o is n      
receiv+ pay because ( ! %utd[n2 or  7,c7
 a ,f$]al contractor 7z def9$ "u section
 #gaja ( title #da1 ,unit$ ,/ates ,code7
 or o!r bus9ess1 & :o has exp]i5c$ a    
sub/antial r$uction 9 pay due to !      
%utd[n4  7#b7 ,consum]s & bus9esses     
affect$ by a %utd[n ,! t]m consum]s &   
bus9esses affect$ by a %utd[n means--   
7,a7 a consum] affect$ by a %utd[n2 &   

7,b7 a ,f$]al contractor 7z def9$ "u    
section #gaja ( title #da1 ,unit$ ,/ates
 ,code7 or o!r bus9ess t has exp]i5c$ a 
sub/antial r$uction 9 income due to !   
%utd[n4  7#c7 ,f$]al f9ancial regulators
 ,! t]m ,f$]al f9ancial regulators means
 ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve 
,sy/em1 ! ,bureau ( ,consum] ,f9ancial  
,protection1 ! ,comptroll] ( ! ,curr5cy1
 ! ,f$]al ,deposit ,insurance           
,corporation1 & ! ,national ,cr$it      
,union ,adm9i/ration4  7#d7 ,%utd[n ,!  
t]m %utd[n means any p]iod 9 :i* !re is 
m ?an a #bd-;h\r lapse 9 appropriations 
z a result ( a failure to enact a regul>
 appropriations bill or cont9u+         
resolution4  #c4 ,det]m9ation ( budget>y
 effects ,! budget>y effects ( ?is ,act1
 = ! purpose ( comply+ ) ! ,/atutory    
,pay-,z-,y-,g ,act ( #bjaj1 %all be     
det]m9$ by ref]5ce to ! late/ /atem5t   
titl$ ,budget>y ,effects ( ,,paygo      
,legislation = ?is ,act1 submitt$ =     
pr9t+ 9 ! ,congressional ,record by !   
,*airman ( ! ,h\se ,budget ,committee1  

provid$ t su* /atem5t has be5 submitt$  
prior to ! vote on passage4  ,pass$ !   
,h\se ( ,repres5tatives ,septemb] #ai1  
#bjai4;,cl]k4