,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #fdib  ,,in ,,the ,,house ,,of  
,,representatives  ,april #ad1 #bjbj,mr4
 ,rush 7for himself1 ,mr4 ,hastings1    
,mr4 ,thompson of ,mississippi1 ,mrs4   
,napolitano1 ,mr4 ,mc,nerney1 ,mr4      
,carson of ,indiana1 ,ms4 ,judy ,chu of 
,california1 ,ms4 ,bass1 ,ms4 ,wilson of
 ,florida1 ,mr4 ,raskin1 ,mr4 ,soto1    
,mr4 ,cisneros1 ,mrs4 ,hayes1 ,ms4      
,tlaib1 and ,ms4 ,norton7 introduced the
 following bill2 which was referred to  
the ,committee on ,financial ,services  
,a ,,bill  ,to require any payments of  
principal or interest on a residential  
mortgage loan that are deferred during a
 ,,covid-#ai emergency period to be due 
no earlier than the last day of the loan
 term1 and for other purposes4  #a4     
,short title ,this ,act may be cited as 
the ,ensuring ,homeowner and ,occupant  
,monetary ,encouragement and ,stability 
,act or the ,ensuring ,,homes ,act4  #b4
 ,treatment of deferred residential     
mortgage payments  7a7 ,in general ,with

 respect to any payments of principal or
 interest on a residential mortgage loan
 that are deferred during a ,,covid-#ai 
emergency period 7whether pursuant to   
,federal law or otherwise71 the         
applicable holder or servicer of such   
loan may not require such payments to be
 due until the later of-- 7#a7 the last 
day of the loan term2 or  7#b7 the end  
of the deferral period4  7b7 ,rule of   
construction ,nothing in this section   
may be construed as prohibiting a       
borrower from making payments on a loan 
before the date specified under         
subsection 7a74  7c7 ,definitions ,in   
this section3 7#a7 ,residential mortgage
 loan ,the term residential mortgage    
loan means any loan which is secured by 
residential real property designed      
principally for the occupancy of        
families1 regardless of the number of   
families by which the real property is  
designed to be occupied4  7#b7          
,,covid-#ai emergency period ,the term  
,,covid-#ai emergency period means the  

period that-- 7,a7 begins upon a date   
that the ,president declares an         
emergency under the ,robert ,t4         
,stafford ,disaster ,relief and         
,emergency ,assistance ,act 7#db        
,u4,s4,c4 #daba et seq47 relating to a  
,coronavirus ,disease #bjai             
7,,covid-#ai7 pandemic2 and  7,b7 ends  
upon the date of the termination by the 
,federal ,emergency ,management         
,administration of such emergency       
declaration4  #c4 ,tenant ,protection   
,program  7a7 ,in general ,the          
,secretary of ,housing and ,urban       
,development 7in this section referred  
to as the ,secretary7 shall carry out a 
program to be known as the ,tenant      
,protection ,program1 under which the   
,secretary shall make quarterly loans to
 landlords who waive rent owned by      
tenants during the ,,covid-#ai emergency
 period1 in accordance with this        
section4  7b7 ,loan details  7#a7 ,loan 
amount ,a loan provided under this      
section shall be in an amount equal to  

no more than half of the amount of rent 
that a landlord anticipates waiving     
during the applicable quarter4  7#b7    
,fees2 interest ,the ,secretary may not 
charge any fee in connection with a loan
 made under this section and may not    
charge interest on any such loan in an  
amount greater than #d percent4  7c7    
,loan forgiveness ,the ,secretary shall 
forgive any loan made under this section
 to a landlord if-- 7#a7 the landlord   
permits each tenant of the landlord to  
extend any lease until the date that is 
#fj days after the end of the           
,,covid-#ai emergency period1 if such   
lease would have terminated before such 
date2 and  7#b7 the landlord enters into
 an agreement with the ,secretary under 
which the landlord will not evict any   
tenant until the date that is #fj days  
after the end of the ,,covid-#ai        
emergency period4  7d7 ,,covid-#ai      
emergency period defined ,in this       
section1 the term ,,covid-#ai emergency 
period has the meaning given that term  

under section #b4  7e7 ,authorization of
 appropriations ,there are authorized to
 be appropriated to the ,secretary such 
sums as may be necessary to carry out   
this section4  #d4 ,rules of application
  7a7 ,application to existing and new  
emergencies ,this ,act shall apply to a 
,,covid-#ai emergency period 7as defined
 under section #b7 in existence on the  
date of enactment of this ,act or       
beginning after the date of enactment of
 this ,act4  7b7 ,retroactive effect    
,with respect to the ,,covid-#ai        
emergency period in existence on the    
date of enactment of this ,act1 the     
provisions of this ,act shall apply     
retroactively to actions taken beginning
 on the first day of such emergency     
period4