,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #fbfe  ,,in ,,the ,,house ,,of  
,,representatives  ,march #ab1 #bjbj    
,mr4 ,stivers 7for himself1 ,mr4 ,hill  
of ,arkansas1 ,mr4 ,huizenga1 ,mr4      
,barr1 and ,mr4 ,mc,henry7 introduced   
the following bill2 which was referred  
to the ,committee on ,financial         
,services  ,a ,,bill  ,to provide the   
sense of ,congress related to the joint 
release on ,coronavirus issued by       
,federal and ,state financial           
regulators1 to require a report         
analyzing the effectiveness of the joint
 release1 and for other purposes4  #a4  
,short title ,this ,act may be cited as 
the ,coronavirus ,guidance for          
,financial ,institutions ,act4  #b4     
,findings2 sense of ,congress related to
 the ,coronavirus  7a7 ,findings ,the   
,congress finds the following3  7#a7 ,on
 ,march #i1 #bjbj1 six ,federal and     
,state financial regulators1 including  
the ,federal ,deposit ,insurance        
,corporation1 the ,bureau of ,consumer  

,financial ,protection1 the ,conference 
of ,state ,banking ,supervisors1 the    
,board of ,governors of the ,federal    
,reserve ,system1 the ,national ,credit 
,union ,administration1 and the ,office 
of the ,comptroller of the ,currency    
issued a joint release encouraging      
financial institutions to meet the needs
 of their customers and members affected
 by the ,coronavirus4  7#b7 ,on ,march  
#aa1 #bjbj1 the ,world ,health          
,organization declared the ,coronavirus 
a global pandemic4  7b7 ,sense of       
,congress ,it is the sense of ,congress 
that ,federal and ,state financial      
regulators acted in a thoughtful and    
expedient manner to assist customers who
 may be affected by the ,coronavirus4   
7c7 ,coronavirus defined ,in this       
section1 the term ,coronavirus means the
 ,coronavirus ,disease #bjai            
7,,covid-#ai74  #c4 ,report to ,congress
  7a7 ,in general ,after the end of the 
#a-year period beginning on the date of 
enactment of this ,act1 the ,federal    

financial regulators shall1 jointly1    
issue a report to ,congress containing  
an analysis of the impact and           
effectiveness of the joint release      
described under section #b7;a77#a74  7b7
 ,federal financial regulators defined  
,in this section1 the term ,federal     
financial regulators means the ,board of
 ,governors of the ,federal ,reserve    
,system1 the ,bureau of ,consumer       
,financial ,protection1 the ,comptroller
 of the ,currency1 the ,federal ,deposit
 ,insurance ,corporation1 and the       
,national ,credit ,union                
,administration4