,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #fcgh  ,,in ,,the ,,house ,,of  
,,representatives  ,march #bc1 #bjbj,ms4
 ,wexton introduced the following bill2 
which was referred to the ,committee on 
,financial ,services1 and in addition to
 the ,committee on ,agriculture1 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  ,a ,,bill  ,to     
require the ,federal financial          
regulators to issue interagency         
regulatory guidance in order to provide 
forms of relief to borrowers and        
customers during pandemics and major    
disasters1 to continue to operate and   
provide services and lending1 and to    
require such regulators to conduct      
testing with financial institutions to  
assess pandemic or disaster             
preparedness1 and for other purposes4   
#a4 ,short title ,this ,act may be cited
 as the ,interagency ,pandemic ,guidance

 for ,consumers ,act4  #b4 ,interagency 
pandemic guidance  7a7 ,guidance ,not   
later than the end of the #fj-;day      
period beginning on the date of         
enactment of this ,act1 the ,federal    
financial regulators shall issue        
interagency regulatory guidance on      
preparedness1 flexibility1 and relief   
options for consumers in pandemics and  
major disasters1 such as deferment1     
forbearance1 affordable payment plan    
options1 and other options such as      
delays on debt collections and wage     
garnishments4  7b7 ,updates ,the        
,federal financial regulators shall     
update the guidance required under      
subsection 7a7 as necessary to keep such
 guidance current4  #c4 ,pandemic       
preparedness testing  7a7 ,in general   
,not later than the end of the #b-year  
period beginning on the date of         
enactment of this ,act1 and every #e    
years thereafter1 the ,federal financial
 regulators shall carry out testing     
along with the institutions regulated by

 the ,federal financial regulators to   
determine how effectively such          
institutions will be able to respond to 
a pandemic or major disaster4  7b7      
,report ,after the end of each test     
required under subsection 7a71 the      
,federal financial regulators shall1    
jointly1 issue a report to ,congress    
containing the results of such test and 
any regulatory or legislative           
recommendations the regulators may have 
to increase pandemic preparedness4  #d4 
,definitions ,in this ,act3 7#a7        
,federal financial regulators ,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      
,director of the ,federal ,housing      
,finance ,agency1 the ,federal ,deposit 
,insurance ,corporation1 the ,national  
,credit ,union ,administration1 the     
,secretary of ,agriculture1 and the     
,secretary of ,housing and ,urban       

,development4  7#b7 ,major disaster ,the
 term major disaster means a major      
disaster declared by the ,president     
under section #dja of the ,robert ,t4   
,stafford ,disaster ,relief and         
,emergency ,assistance ,act 7#db        
,u4,s4,c4 #eagj71 under which assistance
 is authorized under section #djh of    
such ,act 7#db ,u4,s4,c4 #eagd71 or     
section #eja of such ,act 7#db ,u4,s4,c4
 #eaia74