,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #ffcb  ,,in ,,the ,,house ,,of  
,,representatives  ,april #bh1 #bjbj,mr4
 ,soto 7for himself1 ,mrs4 ,hayes1 ,ms4 
,norton1 ,ms4 ,wilson of ,florida1 ,ms4 
,castor of ,florida1 ,mr4 ,cohen1 ,mr4  
,crdenas1 ,mr4 ,courtney1 ,mr4          
,blumenauer1 and ,mrs4 ,luria7          
introduced the following bill2 which was
 referred to the ,committee on          
,financial ,services  ,a ,,bill  ,to    
amend the ,,cares ,act to provide for   
repayment terms for mortgages in        
forbearance1 and for other purposes4    
#a4 ,repayment terms for mortgages in   
forbearance  7a7 ,in general ,the       
,,cares ,act 7,public ,law #aaf-acf7 is 
amended by inserting after section #djbb
 the following3  #djbb;,a4 ,repayment   
terms for mortgages in forbearance  7a7 
,in general ,with respect to a federally
 related mortgage loan with respect to  
which a forbearance was granted during  
the ,,covid-#ai emergency period 7either
 pursuant to this ,act or any other     

,federal law or voluntarily by the      
servicer of such mortgage loan71 the    
servicer of such mortgage loan shall    
modify the borrower's loan to extend the
 term for the same period as the length 
of the forbearance1 with all payments   
that were not made during the           
forbearance distributed at the same     
intervals as the borrower's existing    
payment schedule and evenly distributed 
across those intervals1 with no         
penalties1 late fees1 additional        
interest accrued beyond the amounts     
scheduled or calculated as if the       
borrower made all contractual payments  
on time and in full under the terms of  
the mortgage contract in effect at the  
time the borrower entered into the      
forbearance1 and with no modification   
fee charged to the borrower4  7b7       
,enforcement ,the enforcement authority 
provided under the ,real ,estate        
,settlement ,procedures ,act of #aigd   
7#ab ,u4,s4,c4 #bfja et seq47 shall     
apply to this section4  7c7 ,definitions

 ,in this section3 7#a7 ,federally      
related mortgage loan ,the term         
federally related mortgage loan has the 
meaning given that term under section #c
 of the ,real ,estate ,settlement       
,procedures ,act of #aigd 7#ab ,u4,s4,c4
 #bfjb74  7#b7 ,covid-#ai emergency     
period ,the term ,,covid-#ai emergency  
period means the period between-- 7,a7  
,march #ac1 #bjbj1 the date on which the
 ,president declared a national         
emergency concerning the novel          
coronavirus disease 7,,covid-#ai7       
outbreak under the ,national            
,emergencies ,act 7#ej ,u4,s4,c4 #afja  
et seq472 and  7,b7 ,december #ca1      
#bjba4  4  7b7 ,clerical amendment ,the 
table of contents for the ,,cares ,act  
is amended by inserting after the item  
relating to section #djbb the following3
  ,sec4 #djbb;,a4 ,repayment terms for  
mortgages in forbearance4  4