,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #fcgh  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #bc1 #bjbj,ms4   
,wexton introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices1 & 9 addition to ! ,committee  
on ,agriculture1 = 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$  ,a ,,bill  ,to require ! ,f$]al
 f9ancial regulators to issue int]ag5cy 
regulatory guidance 9 ord] to provide   
=ms ( relief to borr[]s & cu/om]s dur+  
p&emics & major disa/]s1 to cont9ue to  
op]ate & provide s]vices & l5d+1 & to   
require su* regulators to conduct te/+ )
 f9ancial in/itutions to assess p&emic  
or disa/] prep>$ness1 & = o!r purposes4 
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,int]ag5cy ,p&emic ,guidance =        
,consum]s ,act4  #b4 ,int]ag5cy p&emic  
guidance  7a7 ,guidance ,n lat] ?an !   
end ( ! #fj-;day p]iod beg9n+ on ! date 
( enactm5t ( ?is ,act1 ! ,f$]al f9ancial

 regulators %all issue int]ag5cy        
regulatory guidance on prep>$ness1      
flexibility1 & relief options = consum]s
 9 p&emics & major disa/]s1 su* z       
def]m5t1 =be>ance1 af=dable paym5t plan 
options1 & o!r options su* z delays on  
debt collections & wage g>ni%m5ts4  7b7 
,updates ,! ,f$]al f9ancial regulators  
%all update ! guidance requir$ "u       
subsection 7a7 z necess>y to keep su*   
guidance curr5t4  #c4 ,p&emic prep>$ness
 te/+  7a7 ,9 g5]al ,n lat] ?an ! end ( 
! #b-ye> p]iod beg9n+ on ! date (       
enactm5t ( ?is ,act1 & e #e ye>s        
!reaft]1 ! ,f$]al f9ancial regulators   
%all c>ry out te/+ along ) ! in/itutions
 regulat$ by ! ,f$]al f9ancial          
regulators to det]m9e h[ effectively su*
 in/itutions w be able to respond to a  
p&emic or major disa/]4  7b7 ,report    
,aft] ! end ( ea* te/ requir$ "u        
subsection 7a71 ! ,f$]al f9ancial       
regulators %all1 jo9tly1 issue a report 
to ,congress conta9+ ! results ( su* te/
 & any regulatory or legislative        

recomm5dations ! regulators may h to    
increase p&emic prep>$ness4  #d4        
,def9itions ,9 ?is ,act3 7#a7 ,f$]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
 ! ,director ( ! ,f$]al ,h\s+ ,f9ance   
,ag5cy1 ! ,f$]al ,deposit ,insurance    
,corporation1 ! ,national ,cr$it ,union 
,adm9i/ration1 ! ,secret>y (            
,agriculture1 & ! ,secret>y ( ,h\s+ &   
,urban ,developm5t4  7#b7 ,major disa/] 
,! t]m major disa/] means a major disa/]
 decl>$ by ! ,presid5t "u section #dja (
 ! ,rob]t ,t4 ,/af=d ,disa/] ,relief &  
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#eagj71 "u :i* assi/ance is au?oriz$ "u 
section #djh ( su* ,act 7#db ,u4,s4,c4  
#eagd71 or section #eja ( su* ,act 7#db 
,u4,s4,c4 #eaia74