#aafth ,,congress  #b;d ,session  ,h4   
,r4 #gcja  ,,an ,,act  ,to prevent      
evictions1 foreclosures1 and unsafe     
housing conditions resulting from the   
,,covid-#ai pandemic1 and for other     
purposes4  #a4 ,short title2 table of   
contents  7a7 ,short title ,this ,act   
may be cited as the ,emergency ,housing 
,protections and ,relief ,act of #bjbj4 
7b7 ,table of contents ,the table of    
contents for this ,act is as follows3   
,sec4 #a4 ,short title2 table of        
contents4 ,title ,i--,protecting        
,renters and ,homeowners from ,evictions
 and ,foreclosures ,sec4 #aja4          
,emergency rental assistance4 ,sec4     
#ajb4 ,homeowner ,assistance ,fund4     
,sec4 #ajc4 ,protecting renters and     
homeowners from evictions and           
foreclosures4 ,sec4 #ajd4 ,liquidity for
 mortgage servicers and residential     
rental property owners4 ,sec4 #aje4     
,rural rental assistance4 ,sec4 #ajf4   
,funding for public housing and         
tenant-based rental assistance4 ,sec4   

#ajg4 ,supplemental funding for         
supportive housing for the elderly1     
supportive housing for persons with     
disabilities1 supportive housing for    
persons with ,,aids1 and project-based  
section #h rental assistance4 ,sec4     
#ajh4 ,fair ,housing4 ,sec4 #aji4       
,funding for housing counseling         
services4 ,title ,,ii--,protecting      
,people ,experiencing ,homelessness     
,sec4 #bja4 ,homeless assistance        
funding4 ,sec4 #bjb4 ,emergency rental  
assistance voucher program4  ,i         
,protecting ,renters and ,homeowners    
from ,evictions and ,foreclosures  #aja4
 ,emergency rental assistance  7a7      
,authorization of appropriations ,there 
is authorized to be appropriated to the 
,secretary of ,housing and ,urban       
,development 7referred to in this       
section as the ,secretary7              
#ajj1jjj1jjj1jjj for an additional      
amount for grants under the ,emergency  
,solutions ,grants program under        
subtitle ,b of title ,,iv of the        

,mc,kinney-,vento ,homeless ,assistance 
,act 7#db ,u4,s4,c4 #aacga et seq471 to 
remain available until expended 7subject
 to subsections 7d7 and 7n7 of this     
section71 to be used for providing      
short- or medium-term assistance with   
rent and rent-related costs 7including  
tenant-paid utility costs1 utility- and 
rent-arrears1 fees charged for those    
arrears1 and security and utility       
deposits7 in accordance with paragraphs 
7#d7 and 7#e7 of section #dae7;a7 of    
such ,act 7#db ,u4,s4,c4 #aacgd7;a77 and
 this section4  7b7 ,definition of at   
risk of homelessness ,notwithstanding   
section #dja7a7 of the ,mc,kinney-,vento
 ,homeless ,assistance ,act 7#db        
,u4,s4,c4 #aacfj7a771 for purposes of   
assistance made available with amounts  
made available pursuant to subsection   
7a71 the term at risk of homelessness   
means1 with respect to an individual or 
family1 that the individual or family-- 
7#a7 has an income below #hj percent of 
the median income for the area as       

determined by the ,secretary2 and  7#b7 
has an inability to attain or maintain  
housing stability or has insufficient   
resources to pay for rent or utilities  
due to financial hardships4  7c7 ,income
 targeting and calculation ,for purposes
 of assistance made available with      
amounts made available pursuant to      
subsection 7a7-- 7#a7 each recipient of 
such amounts shall use--  7,a7 not less 
than #dj percent of the amounts received
 only for providing assistance for      
individuals or families experiencing    
homelessness1 or for persons or families
 at risk of homelessness who have       
incomes not exceeding #cj percent of the
 median income for the area as          
determined by the ,secretary2  7,b7 not 
less than #gj percent of the amounts    
received only for providing assistance  
for individuals or families experiencing
 homelessness1 or for persons or        
families at risk of homelessness who    
have incomes not exceeding #ej percent  
of the median income for the area as    

determined by the ,secretary2 and  7,c7 
the remainder of the amounts received   
only for providing assistance to        
individuals or families experiencing    
homelessness1 or for persons or families
 at risk of homelessness who have       
incomes not exceeding #hj percent of the
 median income for the area as          
determined by the ,secretary1 but such  
recipient may establish a higher        
percentage limit for purposes of        
subsection 7b77#a71 which shall not in  
any case exceed #abj percent of the area
 median income1 if the recipient states 
that it will serve such population in   
its plan2 and  7#b7 in determining the  
income of a household for homelessness  
prevention assistance--  7,a7 the       
calculation of income performed at the  
time of application for such assistance1
 including arrearages1 shall consider   
only income that the household is       
currently receiving at such time and any
 income recently terminated shall not be
 included2  7,b7 any calculation of     

income performed with respect to        
households receiving ongoing assistance 
7such as medium-term rental assistance7 
#c months after initial receipt of      
assistance shall consider only the      
income that the household is receiving  
at the time of such review2 and  7,c7   
the calculation of income performed with
 respect to households receiving        
assistance for arrearages shall consider
 only the income that the household was 
receiving at the time such arrearages   
were incurred4  7d7 #c-,year            
availability  7#a7 ,in general ,each    
recipient of amounts made available     
pursuant to subsection 7a7 shall--  7,a7
 expend not less than #fj percent of    
such grant amounts within #b years of   
the date that such funds became         
available to the recipient for          
obligation2 and  7,b7 expend #ajj       
percent of such grant amounts within #c 
years of such date4  7#b7 ,reallocation 
after #b years ,the ,secretary may      
recapture any amounts not expended in   

compliance with paragraph 7#a77;,a7 and 
reallocate such amounts to recipients in
 compliance with the formula referred to
 in subsection 7h77#a77;,a74  7e7 ,rent 
restrictions  7#a7 ,inapplicability     
,section #egf4ajf7;d7 of title #bd1     
,code of ,federal ,regulations1 shall   
not apply with respect to homelessness  
prevention assistance made available    
with amounts made available under       
subsection 7a74  7#b7 ,amount of rental 
assistance ,in providing homelessness   
prevention assistance with amounts made 
available under subsection 7a71 the     
maximum amount of rental assistance that
 may be provided shall be the greater   
of-- 7,a7 #abj percent of the higher    
of--  7i7 the ,fair ,market ,rent       
established by the ,secretary for the   
metropolitan area or county2 or  7ii7   
the applicable ,small ,area ,fair       
,market ,rent established by the        
,secretary2 or  7,b7 such higher amount 
as the ,secretary shall determine is    
needed to cover market rents in the     

area4  7f7 ,subleases ,a recipient shall
 not be prohibited from providing       
assistance authorized under subsection  
7a7 with respect to subleases that are  
valid under ,state law4  7g7 ,housing   
relocation or stabilization activities  
,a recipient of amounts made available  
pursuant to subsection 7a7 may expend up
 to #be percent of its allocation for   
activities under section #dae7;a77#e7 of
 the ,mc,kinney-,vento ,homeless        
,assistance ,act 7#db ,u4,s4,c4         
#aacgd7;a77#e771 except that            
notwithstanding such section1 activities
 authorized under this subsection may be
 provided only for individuals or       
families who have incomes not exceeding 
#ej percent of the area median income   
and meet the criteria in subsection     
7b77#b7 of this section or section #ajc 
of the ,mc,kinney-,vento ,homeless      
,assistance ,act 7#db ,u4,s4,c4 #aacjb74
 ,this subsection shall not apply to    
rent-related costs that are specifically
 authorized under subsection 7a7 of this

 section4  7h7 ,allocation of assistance
  7#a7 ,in general ,in allocating       
amounts made available pursuant to      
subsection 7a71 the ,secretary shall--  
7,a7  7i7 for any purpose authorized in 
this section-- 7,i7 allocate #b percent 
of such amount for ,indian tribes and   
tribally designated housing entities 7as
 such terms are defined in section #d of
 the ,native ,american ,housing         
,assistance and ,self-,determination    
,act of #aiif 7#be ,u4,s4,c4 #dajc77    
under the formula established pursuant  
to section #cjb of such ,act 7#be       
,u4,s4,c4 #daeb71 except that #j4c      
percent of the amount allocated under   
this clause shall be allocated for the  
,department of ,hawaiian ,home ,lands2  
and  7,,ii7 allocate #j4c percent of    
such amount for the ,virgin ,islands1   
,guam1 ,american ,samoa1 and the        
,northern ,mariana ,islands2  7ii7 not  
later than #cj days after the date of   
enactment of this ,act1 obligate and    
disburse the amounts allocated pursuant 

to clause 7i7 in accordance with such   
allocations and provide such recipient  
with any necessary guidance for use of  
the funds2 and  7,b7  7i7 not later than
 #g days after the date of enactment of 
this ,act and after setting aside       
amounts under subparagraph 7,a71        
allocate #ej percent of any such        
remaining amounts under the formula     
specified in subsections 7a71 7b71 and  
7e7 of section #dad of the              
,mc,kinney-,vento ,homeless ,assistance 
,act 7#db ,u4,s4,c4 #aacgc7 for1 and    
notify1 each ,state1 metropolitan city1 
and urban county that is to receive a   
direct grant of such amounts2 and  7ii7 
not later than #cj days after the date  
of enactment of this ,act1 obligate and 
disburse the amounts allocated pursuant 
to clause 7i7 in accordance with such   
allocations and provide such recipient  
with any necessary guidance for use of  
the funds2 and  7,c7  7i7 not later than
 #de days after the date of enactment of
 this ,act1 allocate any remaining      

amounts for eligible recipients         
according to a formula to be developed  
by the ,secretary that takes into       
consideration the formula referred to in
 subparagraph 7,a7 and the need for     
emergency rental assistance under this  
section1 including the severe housing   
cost burden among extremely low- and    
very low-income renters and disruptions 
in housing and economic conditions1     
including unemployment2 and  7ii7 not   
later than #cj days after the date of   
the allocation of such amounts pursuant 
to clause 7i71 obligate and disburse    
such amounts in accordance with such    
allocations4  7#b7 ,allocations to      
states  7,a7 ,in general                
,notwithstanding subsection 7a7 of      
section #dad of the ,mc,kinney-,vento   
,homeless ,assistance ,act 7#db         
,u4,s4,c4 #aacgc7;a77 and section       
#egf4bjb7;a7 of title #bd1 ,code of     
,federal ,regulations1 a ,state         
recipient of an allocation under this   
section may elect to use up to #ajj     

percent of its allocation to carry out  
activities eligible under this section  
directly4  7,b7 ,requirement ,any ,state
 recipient making an election described 
in subparagraph 7,a7 shall serve        
households throughout the entire ,state1
 including households in rural          
communities and small towns4  7#c7      
,election not to administer ,if a       
recipient other than a ,state elects not
 to receive funds under this section1   
such funds shall be allocated to the    
,state recipient in which the recipient 
is located4  7#d7 ,partnerships1        
subgrants1 and contracts ,a recipient of
 a grant under this section may         
distribute funds through partnerships1  
subgrants1 or contracts with an entity1 
such as a public housing agency 7as such
 term is defined in section #c7;b7 of   
the ,united ,states ,housing ,act of    
#aicg 7#db ,u4,s4,c4 #adcg;a7b7771 that 
is capable of carrying activities under 
this section4  7#e7 ,revision to rule   
,the ,secretary shall revise section    

#egf4c of tile #bd1 ,code of ,federal   
,regulations1 to change the set aside   
for allocation to the territories to    
exactly #j4c percent4  7i7              
,inapplicability of matching requirement
 ,subsection 7a7 of section #daf of the 
,mc,kinney-,vento ,homeless ,assistance 
,act 7#db ,u4,s4,c4 #aacge7;a77 shall   
not apply to any amounts made available 
pursuant to subsection 7a7 of this      
section4  7j7 ,reimbursement of eligible
 activities ,amounts made available     
pursuant to subsection 7a7 may be used  
by a recipient to reimburse expenditures
 incurred for eligible activities under 
this section after ,march #bg1 #bjbj4   
7k7 ,prohibition on prerequisites ,none 
of the funds made available pursuant to 
this section may be used to require any 
individual receiving assistance under   
the program under this section to       
receive treatment or perform any other  
prerequisite activities as a condition  
for receiving shelter1 housing1 or other
 services4  7l7 ,waivers and alternative

 requirements  7#a7 ,in general  7,a7   
,authority ,in administering the amounts
 made available pursuant to subsection  
7a71 the ,secretary may waive1 or       
specify alternative requirements for1   
any provision of any statute or         
regulation that the ,secretary          
administers in connection with the      
obligation by the ,secretary or the use 
by the recipient of such amounts 7except
 for requirements related to fair       
housing1 nondiscrimination1 labor       
standards1 prohibition on prerequisites1
 minimum data reporting1 and the        
environment71 if the ,secretary finds   
that good cause exists for the waiver or
 alternative requirement and such waiver
 or alternative requirement is necessary
 to expedite the use of funds made      
available pursuant to this section1 to  
respond to public health orders or      
conditions related to the ,,covid-#ai   
emergency1 or to ensure that eligible   
individuals can attain or maintain      
housing stability4  7,b7 ,public notice 

,the ,secretary shall notify the public 
through the ,federal ,register or other 
appropriate means of any waiver or      
alternative requirement under this      
paragraph1 and that such public notice  
shall be provided1 at a minimum1 on the 
internet at the appropriate ,government 
website or through other electronic     
media1 as determined by the ,secretary4 
7,c7 ,eligibility requirements          
,eligibility for rental assistance or   
housing relocation and stabilization    
services shall not be restricted based  
upon the prior receipt of assistance    
under the program during the preceding  
three years4  7#b7 ,public hearings     
7,a7 ,inapplicability of in-person      
hearing requirements during the         
,,covid-#ai emergency  7i7 ,in general  
,a recipient under this section shall   
not be required to hold in-person public
 hearings in connection with its citizen
 participation plan1 but shall provide  
citizens with notice1 including         
publication of its plan for carrying out

 this section on the internet1 and a    
reasonable opportunity to comment of not
 less than #e days4  7ii7 ,resumption of
 in-person hearing requirements ,after  
the period beginning on the date of     
enactment of this ,act and ending on the
 date of the termination by the ,federal
 ,emergency ,management ,agency of the  
emergency declared on ,march #ac1 #bjbj1
 by the ,president under the ,robert ,t4
 ,stafford ,disaster ,relief and        
,emergency ,assistance ,act 7#db        
,u4,s4,c4 #daba et seq47 relating to the
 ,coronavirus ,disease #bjai            
7,,covid-#ai7 pandemic1 and after the   
period described in subparagraph 7,b71  
the ,secretary shall direct recipients  
under this section to resume pre-crisis 
public hearing requirements4  7,b7      
,virtual public hearings  7i7 ,in       
general ,during the period that national
 or local health authorities recommend  
social distancing and limiting public   
gatherings for public health reasons1 a 
recipient may fulfill applicable public 

hearing requirements for all grants from
 funds made available pursuant to this  
section by carrying out virtual public  
hearings4  7ii7 ,requirements ,any      
virtual hearings held under clause 7i7  
by a recipient under this section shall 
provide reasonable notification and     
access for citizens in accordance with  
the recipient's certifications1 timely  
responses from local officials to all   
citizen questions and issues1 and public
 access to all questions and responses4 
7m7 ,consultation ,in addition to any   
other citizen participation and         
consultation requirements1 in developing
 and implementing a plan to carry out   
this section1 each recipient of funds   
made available pursuant to this section 
shall consult with the applicable       
,continuum or ,continuums of ,care for  
the area served by the recipient and    
organizations representing underserved  
communities and populations and         
organizations with expertise in         
affordable housing1 fair housing1 and   

services for people with disabilities4  
7n7 ,administration  7#a7 ,by ,secretary
 ,of any amounts made available pursuant
 to subsection 7a7-- 7,a7 not more than 
the lesser of #j4e percent1 or          
#ae1jjj1jjj1 may be used by the         
,secretary for staffing1 training1      
technical assistance1 technology1       
monitoring1 research1 and evaluation    
activities necessary to carry out the   
program carried out under this section1 
and such amounts shall remain available 
until ,september #cj1 #bjbd2 and  7,b7  
not more than #b1jjj1jjj shall be       
available to the ,office of the         
,inspector ,general for audits and      
investigations of the program authorized
 under this section4  7#b7 ,by          
,recipients ,notwithstanding section    
#egf4ajh of title #bd of the ,code of   
,federal ,regulations1 with respect to  
amounts made available pursuant to this 
section1 a recipient may use up to #aj  
percent of the recipient's grant for    
payment of administrative costs related 

to the planning and execution of        
activities4  #ajb4 ,homeowner           
,assistance ,fund  7a7 ,definitions ,in 
this section3 7#a7 ,fund ,the term ,fund
 means the ,homeowner ,assistance ,fund 
established under subsection 7b74  7#b7 
,secretary ,the term ,secretary means   
the ,secretary of the ,treasury4  7#c7  
,state ,the term ,state means any ,state
 of the ,united ,states1 the ,district  
of ,columbia1 any territory of the      
,united ,states1 ,puerto ,rico1 ,guam1  
,american ,samoa1 the ,virgin ,islands1 
and the ,northern ,mariana ,islands4    
7b7 ,establishment of fund ,there is    
established at the ,department of the   
,treasury a ,homeowner ,assistance ,fund
 to provide such funds as are made      
available under subsection 7g7 to ,state
 housing finance agencies for the       
purpose of preventing homeowner mortgage
 defaults1 foreclosures1 and            
displacements of individuals and        
families experiencing financial hardship
 after ,january #ba1 #bjbj4  7c7        

,allocation of funds  7#a7              
,administration ,of any amounts made    
available for the ,fund1 the ,secretary 
of the ,treasury may allocate1 in the   
aggregate1 an amount not exceeding #e   
percent--  7,a7 to the ,office of       
,financial ,stability established under 
section #aja7;a7 of the ,emergency      
,economic ,stabilization ,act of #bjjh  
7#ab ,u4,s4,c4 #ebaa7;a77 to administer 
and oversee the ,fund1 and to provide   
technical assistance to ,states for the 
creation and implementation of ,state   
programs to administer assistance from  
the ,fund2 and  7,b7 to the ,inspector  
,general of the ,department of the      
,treasury for oversight of the program  
under this section4  7#b7 ,for ,states  
,the ,secretary shall establish such    
criteria as are necessary to allocate   
the funds available within the ,fund for
 each ,state4 ,the ,secretary shall     
allocate such funds among all ,states   
taking into consideration the number of 
unemployment claims within a ,state     

relative to the nationwide number of    
unemployment claims4  7#c7 ,small state 
minimum ,the amount allocated for each  
,state shall not be less than           
#bej1jjj1jjj4  7#d7 ,set-aside for      
insular areas ,notwithstanding any other
 provision of this section1 of any      
amounts authorized to be appropriated   
pursuant to subsection 7g71 the         
,secretary shall reserve #bjj1jjj1jjj to
 be disbursed to ,guam1 ,american       
,samoa1 the ,virgin ,islands1 and the   
,northern ,mariana ,islands based on    
each such territory's share of the      
combined total population of all such   
territories1 as determined by the       
,secretary4 ,for the purposes of this   
paragraph1 population shall be          
determined based on the most recent year
 for which data are available from the  
,united ,states ,census ,bureau4  7#e7  
,set-aside for ,indian tribes and       
,native ,hawaiians  7,a7 ,indian tribes 
,notwithstanding any other provision of 
this section1 of any amounts authorized 

to be appropriated pursuant to          
subsection 7g71 the ,secretary shall use
 #e percent to make grants in accordance
 with subsection 7f7 to eligible        
recipients for the purposes described in
 subsection 7e77#a74  7,b7 ,native      
,hawaiians ,of the funds set aside under
 subparagraph 7,a71 the ,secretary shall
 use #j4c percent to make grants to the 
,department of ,hawaiian ,home ,lands in
 accordance with subsection 7f7 for the 
purposes described in subsection        
7e77#a74  7d7 ,disbursement of funds    
7#a7 ,administration ,except for amounts
 made available for assistance under    
subsection 7f71 ,state housing finance  
agencies shall be primarily responsible 
for administering amounts disbursed from
 the ,fund1 but may delegate            
responsibilities and sub-allocate       
amounts to community development        
financial institutions and ,state       
agencies that administer ,low-,income   
,home ,energy ,assistance ,program of   
the ,department of ,health and ,human   

,services4  7#b7 ,notice of funding ,the
 ,secretary shall provide public notice 
of the amounts that will be made        
available to each ,state and the method 
used for determining such amounts not   
later than the expiration of the        
#ad-;day period beginning on the date of
 the enactment of this ,act of          
enactment4  7#c7 ,,shfa plans  7,a7     
,eligibility ,to be eligible to receive 
funding allocated for a ,state under the
 section1 a ,state housing finance      
agency for the ,state shall submit to   
the ,secretary a plan for the           
implementation of ,state programs to    
administer1 in part or in full1 the     
amount of funding the state is eligible 
to receive1 which shall provide for the 
commencement of receipt of applications 
by homeowners for assistance1 and       
funding of such applications1 not later 
than the expiration of the #f-month     
period beginning upon the approval under
 this paragraph of such plan4  7,b7     
,multiple plans 4 ,a ,state housing     

finance agency may submit multiple      
plans1 each covering a separate portion 
of funding for which the ,state is      
eligible4  7,c7 ,timing ,the ,secretary 
shall approve or disapprove a plan      
within #cj days after the plan's        
submission and1 if disapproved1 explain 
why the plan could not be approved4     
7,d7 ,disbursement upon approval ,the   
,secretary shall disburse to a ,state   
housing finance agency the appropriate  
amount of funding upon approval of the  
agency's plan4  7,e7 ,amendments ,a     
,state housing finance agency may       
subsequently amend a plan that has      
previously been approved1 provided that 
any plan amendment shall be subject to  
the approval of the ,secretary4 ,the    
,secretary shall approve any plan       
amendment or disapprove such amendment  
explain why the plan amendment could not
 be approved within #de days after      
submission to the ,secretary of such    
amendment4  7,f7 ,technical assistance  
,the ,secretary shall provide technical 

assistance for any ,state housing       
finance agency that twice fails to have 
a submitted plan approved4  7#d7 ,plan  
,templates ,the ,secretary shall1 not   
later than #cj days after the date of   
the enactment of this ,act1 publish     
templates that ,states may utilize in   
drafting the plans required under       
paragraph 7#c77;,a74 ,the template plans
 shall include standard program terms   
and requirements1 as well as any        
required legal language1 which ,state   
housing finance agencies may modify with
 the consent of the ,secretary4  7e7    
,permissible uses of fund  7#a7 ,in     
general ,funds made available to ,state 
housing finance agencies pursuant to    
this section may be used for the        
purposes established under subsection   
7b71 which may include-- 7,a7 mortgage  
payment assistance1 including financial 
assistance to allow a borrower to       
reinstate their mortgage or to achieve a
 more affordable mortgage payment1 which
 may include principal reduction or rate

 reduction1 provided that any mortgage  
payment assistance is tailored to a     
borrower's needs and their ability to   
repay1 and takes into consideration the 
loss mitigation options available to the
 borrower2  7,b7 assistance with payment
 of taxes1 hazard insurance1 flood      
insurance1 mortgage insurance1 or       
homeowners' association fees2  7,c7     
utility payment assistance1 including   
electric1 gas1 water1 and internet      
service1 including broadband internet   
access service 7as such term is defined 
in section #h4a7;b7 of title #dg1 ,code 
of ,federal ,regulations 7or any        
successor regulation772  7,d7           
reimbursement of funds expended by a    
,state or local government during the   
period beginning on ,january #ba1 #bjbj1
 and ending on the date that the first  
funds are disbursed by the ,state under 
the ,fund1 for the purpose of providing 
housing or utility assistance to        
individuals or otherwise providing funds
 to prevent foreclosure or eviction of a

 homeowner or prevent mortgage          
delinquency or loss of housing or       
critical utilities as a response to the 
coronavirus disease #bjai 7,,covid-#ai7 
pandemic2 and  7,e7 any other assistance
 for homeowners to prevent eviction1    
mortgage delinquency or default1        
foreclosure1 or the loss of essential   
utility services4  7#b7 ,targeting  7,a7
 ,requirement ,not less than #fj percent
 of amounts made available for each     
,state or other entity allocated amounts
 under subsection 7c7 shall be used for 
activities under paragraph 7#a7 that    
assist homeowners having incomes equal  
to or less than #hj percent of the area 
median income4  7,b7 ,determination of  
income ,in determining the income of a  
household for purposes of this          
paragraph1 income shall be considered to
 include only income that the household 
is receiving at the time of application 
for assistance from the ,fund and any   
income recently terminated shall not be 
included1 except that for purposes of   

households receiving assistance for     
arrearages income shall include only the
 income that the household was receiving
 at the time such arrearages were       
incurred4  7,c7 ,language assistance    
,each ,state housing finance agency or  
other entity allocated amounts under    
subsection 7c7 shall make available to  
each applicant for assistance from      
amounts from the ,fund language         
assistance in any language that such    
language assistance is available in and 
shall provide notice to each such       
applicant that such language assistance 
is available4  7#c7 ,administrative     
expenses ,not more than #ae percent of  
the amount allocated to a ,state        
pursuant to subsection 7c7 may be used  
by a ,state housing financing agency for
 administrative expenses4 ,any amounts  
allocated to administrative expenses    
that are no longer necessary for        
administrative expenses may be used in  
accordance with paragraph 7#a74  7f7    
,tribal and ,native ,hawaiian assistance

  7#a7 ,definitions ,in this subsection3
 7,a7 ,department of ,hawaiian home     
lands ,the term ,department of ,hawaiian
 ,home ,lands has the meaning given the 
term in section #hja of the ,native     
,american ,housing ,assistance and      
,self-,determination ,act of #aiif 7#db 
,u4,s4,c4 #dbba74  7,b7 ,eligible       
recipient ,the term eligible recipient  
means any entity eligible to receive a  
grant under section #aja of the ,native 
,american ,housing ,assistance and      
,self-,determination ,act of #aiif 7#be 
,u4,s4,c4 #daaa74  7#b7 ,requirements   
7,a7 ,allocation ,except for the funds  
set aside under subsection 7c77#e77;,b71
 the ,secretary shall allocate the funds
 set aside under subsection 7c77#e77;,a7
 using the allocation formula described 
in subpart ,d of part #ajjj of title    
#bd1 ,code of ,federal ,regulations 7or 
any successor regulations74  7,b7       
,native ,hawaiians ,the ,secretary shall
 use the funds made available under     
subsection 7c77#e77;,b7 in accordance   

with part #ajjf of title #bd1 ,code of  
,federal ,regulations 7or successor     
regulations74  7#c7 ,transfer ,the      
,secretary shall transfer any funds made
 available under subsection 7c77#e7 that
 have not been allocated by an eligible 
recipient or the ,department of         
,hawaiian ,home ,lands1 as applicable1  
to provide the assistance described in  
subsection 7e77#a7 by ,december #ca1    
#bjcj1 to the ,secretary of ,housing and
 ,urban ,development to carry out the   
,native ,american ,housing ,assistance  
and ,self-,determination ,act of #aiif  
7#be ,u4,s4,c4 #daja et seq474  7g7     
,funding ,there is authorized to be     
appropriated to the ,homeowner          
,assistance ,fund established under     
subsection 7b7 #ge1jjj1jjj1jjj1 to      
remain available until expended or      
transferred or credited under subsection
 7i74  7h7 ,use of housing finance      
agency innovation fund for the hardest  
hit housing markets funds ,a ,state     
housing finance agency may reallocate   

any administrative or programmatic funds
 it has received as an allocation from  
the ,housing ,finance ,agency           
,innovation ,fund for the ,hardest ,hit 
,housing ,markets created pursuant to   
section #aja7;a7 of the ,emergency      
,economic ,stabilization ,act of #bjjh  
7#ab ,u4,s4,c4 #ebaa7;a77 that have not 
been otherwise allocated or disbursed as
 of the date of enactment of this ,act  
to supplement any administrative or     
programmatic funds received from the    
,housing ,assistance ,fund4 ,such       
reallocated funds shall not be          
considered when allocating resources    
from the ,housing ,assistance ,fund     
using the process established under     
subsection 7c7 and shall remain         
available for the uses permitted and    
under the terms and conditions          
established by the contract with        
,secretary created pursuant to          
subsection 7d77#a7 and the terms of     
subsection 7i74  7i7 ,reporting         
requirements ,the ,secretary shall      

provide public reports not less         
frequently than quarterly regarding the 
use of funds provided by the ,homeowner 
,assistance ,fund4 ,such reports shall  
include the following data by ,state and
 by program within each ,state1 both for
 the past quarter and throughout the    
life of the program-- 7#a7 the amount of
 funds allocated2  7#b7 the amount of   
funds disbursed2  7#c7 the number of    
households and individuals assisted2    
7#d7 the acceptance rate of applicants2 
7#e7 the type or types of assistance    
provided to each household2  7#f7       
whether the household assisted had a    
federally backed loan and identification
 of the ,federal entity backing such    
loan2  7#g7 the average amount of       
funding provided per household receiving
 assistance and per type of assistance  
provided2  7#h7 the average number of   
monthly payments that were covered by   
the funding amount that a household     
received1 as applicable1 disaggregated  
by type of assistance provided2  7#i7   

the income level of each household      
receiving assistance2 and  7#aj7 the    
outcome #ab months after the household  
has received assistance4  ,each report  
under this subsection shall disaggregate
 the information provided under         
paragraphs 7#c7 through 7#aj7 by ,state1
 zip code1 racial and ethnic composition
 of the household1 and whether or not   
the person from the household applying  
for assistance speaks ,english as a     
second language4  #ajc4 ,protecting     
renters and homeowners from evictions   
and foreclosures  7a7 ,eviction         
moratorium ,the ,,cares ,act is amended 
by striking section #djbd 7#ae ,u4,s4,c4
 #ijeh2 ,public ,law #aaf-acf2 #acd     
,stat4 #dib7 and inserting the following
 new section3  #djbd4 ,temporary        
moratorium on eviction filings  7a7     
,congressional findings ,the ,congress  
finds that-- 7#a7 according to the #bjah
 ,american ,community ,survey1 #cf      
percent of households in the ,united    
,states--more than #dc million          

households--are renters2  7#b7 in #bjai 
alone1 renters in the ,united ,states   
paid #eab billion in rent2  7#c7        
according to the ,joint ,center for     
,housing ,studies of ,harvard           
,university1 #bj4h million renters in   
the ,united ,states spent more than #cj 
percent of their incomes on housing in  
#bjah and #aj4i million renters spent   
more than #ej percent of their incomes  
on housing in the same year2  7#d7      
according to data from the ,department  
of ,labor1 more than #cj million people 
have filed for unemployment since the   
,,covid-#ai pandemic began2  7#e7 the   
impacts of the spread of ,,covid-#ai1   
which is now considered a global        
pandemic1 are expected to negatively    
impact the incomes of potentially       
millions of renter households1 making it
 difficult for them to pay their rent on
 time2 and  7#f7 evictions in the       
current environment would increase      
homelessness and housing instability    
which would be counterproductive towards

 the public health goals of keeping     
individuals in their homes to the       
greatest extent possible4  7b7          
,moratorium ,during the period beginning
 on the date of the enactment of this   
,act and ending #ab months after such   
date of enactment1 the lessor of a      
covered dwelling located in such ,state 
may not make1 or cause to be made1 any  
filing with the court of jurisdiction to
 initiate a legal action to recover     
possession of the covered dwelling from 
the tenant for nonpayment of rent or    
other fees or charges4  7c7 ,definitions
 ,for purposes of this section1 the     
following definitions shall apply3 7#a7 
,covered dwelling ,the term covered     
dwelling means a dwelling that is       
occupied by a tenant--  7,a7 pursuant to
 a residential lease2 or  7,b7 without a
 lease or with a lease terminable at    
will under ,state law4  7#b7 ,dwelling  
,the term dwelling has the meaning given
 such term in section #hjb of the ,fair 
,housing ,act 7#db ,u4,s4,c4 #cfjb7 and 

includes houses and dwellings described 
in section #hjc7;b7 of such ,act 7#db   
,u4,s4,c4 #cfjc7;b774  7d7 ,notice ,to  
vacate after moratorium expiration date 
,after the expiration of the period     
described in subsection 7b71 the lessor 
of a covered dwelling may not require   
the tenant to vacate the covered        
dwelling by reason of nonpayment of rent
 or other fees or charges before the    
expiration of the #cj-;day period that  
begins upon the provision by the lessor 
to the tenant1 after the expiration of  
the period described in subsection 7b71 
of a notice to vacate the covered       
dwelling4  4  7b7 ,mortgage relief  7#a7
 ,forbearance and foreclosure moratorium
 for covered mortgage loans ,section    
#djbb of the ,,cares ,act 7#ae ,u4,s4,c4
 #ijef7 is amended-- 7,a7 by striking   
,federally backed mortgage loan each    
place such term appears and inserting   
covered mortgage loan2 and  7,b7 in     
subsection 7a7-- 7i7 by amending        
paragraph 7#b7 to read as follows3  7#b7

 ,covered mortgage loan ,the term       
covered mortgage loan means any credit  
transaction that is secured by a        
mortgage1 deed of trust1 or other       
equivalent consensual security interest 
on a #a- to #d-unit dwelling or on      
residential real property that includes 
a #a- to #d-unit dwelling1 except that  
it shall not include a credit           
transaction under an open end credit    
plan other than a reverse mortgage4  2  
and  7ii7 by adding at the end the      
following3  7#c7 ,covered period ,with  
respect to a loan1 the term covered     
period means the period beginning on the
 date of enactment of this ,act and     
ending #ab months after such date of    
enactment4  4  7#b7 ,automatic          
forbearance for delinquent borrowers    
,section #djbb7;c7 of the ,,cares ,act  
7#ae ,u4,s4,c4 #ijef7;c771 as amended by
 paragraph 7#e7 of this subsection1 is  
further amended by adding at the end the
 following3  7#i7 ,automatic forbearance
 for delinquent borrowers  7,a7 ,in     

general ,notwithstanding any other law  
governing forbearance relief-- 7i7 any  
borrower whose covered mortgage loan    
became #fj days delinquent between      
,march #ac1 #bjbj1 and the date of      
enactment of this paragraph1 and who has
 not already received a forbearance     
under subsection 7b71 shall             
automatically be granted a #fj-;day     
forbearance that begins on the date of  
enactment of this paragraph1 provided   
that a borrower shall not be considered 
delinquent for purposes of this         
paragraph while making timely payments  
or otherwise performing under a trial   
modification or other loss mitigation   
agreement2 and  7ii7 any borrower whose 
covered mortgage loan becomes #fj days  
delinquent between the date of enactment
 of this paragraph and the end of the   
covered period1 and who has not already 
received a forbearance under subsection 
7b71 shall automatically be granted a   
#fj-;day forbearance that begins on the 
#fjth day of delinquency1 provided that 

a borrower shall not be considered      
delinquent for purposes of this         
paragraph while making timely payments  
or otherwise performing under a trial   
modification or other loss mitigation   
agreement4  7,b7 ,initial extension ,an 
automatic forbearance provided under    
subparagraph 7,a7 shall be extended for 
up to an additional #abj days upon the  
borrower's request1 oral or written1    
submitted to the borrower's servicer    
affirming that the borrower is          
experiencing a financial hardship that  
prevents the borrower from making timely
 payments on the covered mortgage loan  
due1 directly or indirectly1 to the     
,,covid-#ai emergency4  7,c7 ,subsequent
 extension ,a forbearance extended under
 subparagraph 7,b7 shall be extended for
 up to an additional #ahj days1 up to a 
maximum of #cfj days 7including the     
period of automatic forbearance71 upon  
the borrower's request1 oral or written1
 submitted to the borrower's servicer   
affirming that the borrower is          

experiencing a financial hardship that  
prevents the borrower from making timely
 payments on the covered mortgage loan  
due1 directly or indirectly1 to the     
,,covid-#ai emergency4  7,d7 ,right to  
elect to continue making payments ,with 
respect to a forbearance provided under 
this paragraph1 the borrower of such    
loan may elect to continue making       
regular payments on the loan4 ,a        
borrower who makes such election shall  
be offered a loss mitigation option     
pursuant to subsection 7d7 within #cj   
days of resuming regular payments to    
address any payment deficiency during   
the forbearance4  7,e7 ,right to shorten
 forbearance ,at a borrower's request1  
any period of forbearance provided under
 this paragraph may be shortened4 ,a    
borrower who makes such a request shall 
be offered a loss mitigation option     
pursuant to subsection 7d7 within #cj   
days of resuming regular payments to    
address any payment deficiency during   
the forbearance4  7#aj7 ,automatic      

forbearance for certain reverse mortgage
 loans  7,a7 ,in general ,when any      
covered mortgage loan which is also a   
federally-insured reverse mortgage loan1
 during the covered period1 is due and  
payable due to the death of the last    
borrower or end of a deferral period or 
eligible to be called due and payable   
due to a property charge default1 or if 
the borrower defaults on a property     
charge repayment plan1 or if the        
borrower defaults for failure to        
complete property repairs1 or if an     
obligation of the borrower under the    
,security ,instrument is not performed1 
the mortgagee automatically shall be    
granted a six-month extension of--  7i7 
the mortgagee's deadline to request due 
and payable status from the ,department 
of ,housing and ,urban ,development2    
7ii7 the mortgage's deadline to send    
notification to the mortgagor or his or 
her heirs that the loan is due and      
payable2  7iii7 the deadline to initiate
 foreclosure2  7iv7 any reasonable      

diligence period related to foreclosure 
or the ,mortgagee ,optional ,election2  
7v7 if applicable1 the deadline to      
obtain the due and payable appraisal2   
and  7vi7 any claim submission deadline1
 including the #f-month acquired        
property marketing period4  7,b7        
,forbearance period ,the mortgagee shall
 not request due and payable status from
 the ,secretary of ,housing and ,urban  
,development nor initiate foreclosure   
during this six-month period described  
under subparagraph 7,a71 which shall be 
considered a forbearance period4  7,c7  
,extension ,a forbearance provided under
 subparagraph 7,b7 and related deadline 
extension authorized under subparagraph 
7,a7 shall be extended for an additional
 #ahj days upon--  7i7 the borrower's   
request1 oral or written1 submitted to  
the borrower's servicer affirming that  
the borrower is experiencing a financial
 hardship that prevents the borrower    
from making payments on property        
charges1 completing property repairs1 or

 performing an obligation of the        
borrower under the ,security ,instrument
 due1 directly or indirectly1 to the    
,,covid-#ai emergency2  7ii7 a          
non-borrowing spouse's request1 oral or 
written1 submitted to the servicer      
affirming that the non-borrowing spouse 
has been unable to satisfy all criteria 
for the ,mortgagee ,optional ,election  
program due1 directly or indirectly1 to 
the ,,covid-#ai emergency1 or to perform
 all actions necessary to become an     
eligible non-borrowing spouse following 
the death of all borrowers2 or  7iii7 a 
successor-in-interest of the borrower's 
request1 oral or written1 submitted to  
the servicer affirming the heir's       
difficulty satisfying the reverse       
mortgage loan due1 directly or          
indirectly1 to the ,,covid-#ai          
emergency4  7,d7 ,curtailment of        
debenture interest ,where any covered   
mortgage loan which is also a federally 
insured reverse mortgage loan is in     
default during the covered period and   

subject to a prior event which provides 
for curtailment of debenture interest in
 connection with a claim for insurance  
benefits1 the curtailment of debenture  
interest shall be suspended during any  
forbearance period provided herein4  4  
7#c7 ,additional ,foreclosure and       
repossession protections ,section       
#djbb7;c7 of the ,,cares ,act 7#ae      
,u4,s4,c4 #ijef7;c77 is amended-- 7,a7  
in paragraph 7#b71 by striking may not  
initiate any judicial or non-judicial   
foreclosure process1 move for a         
foreclosure judgment or order of sale1  
or execute a foreclosure-related        
eviction or foreclosure sale for not    
less than the #fj-;day period beginning 
on ,march #ah1 #bjbj and inserting may  
not initiate or proceed with any        
judicial or non-judicial foreclosure    
process1 schedule a foreclosure sale1   
move for a foreclosure judgment or order
 of sale1 execute a foreclosure related 
eviction or foreclosure sale for six    
months after the date of enactment of   

the ,emergency ,housing ,protections and
 ,relief ,act of #bjbj2 and  7,b7 by    
adding at the end the following3  7#c7  
,repossession moratorium ,in the case of
 personal property1 including any       
recreational or motor vehicle1 used as a
 dwelling1 no person may use any        
judicial or non-judicial procedure to   
repossess or otherwise take possession  
of such property for six months after   
date of enactment of this paragraph4  4 
7#d7 ,mortgage forbearance reforms      
,section #djbb of the ,,cares ,act 7#ae 
,u4,s4,c4 #ijef7 is amended-- 7,a7 in   
subsection 7b71 by striking paragraphs  
7#a71 7#b71 and 7#c7 and inserting the  
following3  7#a7 ,in general ,during the
 covered period1 a borrower with a      
covered mortgage loan who has not       
obtained automatic forbearance pursuant 
to this section and who is experiencing 
a financial hardship that prevents the  
borrower from making timely payments on 
the covered mortgage loan due1 directly 
or indirectly1 to the ,,covid-#ai       

emergency may request forbearance on the
 loan1 regardless of delinquency status1
 by-- 7,a7 submitting a request1 orally 
or in writing1 to the servicer of the   
loan2 and  7,b7 affirming that the      
borrower is experiencing a financial    
hardship that prevents the borrower from
 making timely payments on the covered  
mortgage loan due1 directly or          
indirectly1 to the ,,covid-#ai          
emergency4  7#b7 ,duration of           
forbearance  7,a7 ,in general ,upon a   
request by a borrower to a servicer for 
forbearance under paragraph 7#a71 such  
forbearance shall be granted by the     
servicer for the period requested by the
 borrower1 up to an initial length of   
#ahj days1 the length of which shall be 
extended by the servicer1 at the request
 of the borrower for the period or      
periods requested1 for a total          
forbearance period of up to #ab-months4 
7,b7 ,minimum forbearance amounts ,for  
purposes of granting a forbearance under
 this paragraph1 a servicer may grant an

 initial forbearance with a term of not 
less than #ij days1 provided that it is 
automatically extended for an additional
 #ij days unless the servicer confirms  
the borrower does not want to renew the 
forbearance or that the borrower is no  
longer experiencing a financial hardship
 that prevents the borrower from making 
timely mortgage payments due1 directly  
or indirectly1 to the ,,covid-#ai       
emergency4  7,c7 ,right to shorten      
forbearance ,at a borrower's request1   
any period of forbearance described     
under this paragraph may be shortened4  
,a borrower who makes such a request    
shall be offered a loss mitigation      
option pursuant to subsection 7d7 within
 #cj days of resuming regular payments  
to address any payment deficiency during
 the forbearance4  7#c7 ,accrual of     
interest or fees ,a servicer shall not  
charge a borrower any fees1 penalties1  
or interest 7beyond the amounts         
scheduled or calculated as if the       
borrower made all contractual payments  

on time and in full under the terms of  
the mortgage contract7 in connection    
with a forbearance1 provided that a     
servicer may offer the borrower a       
modification option at the end of a     
forbearance period granted hereunder    
that includes the capitalization of past
 due principal and interest and escrow  
payments as long as the borrower's      
principal and interest payment under    
such modification remains at or below   
the contractual principal and interest  
payments owed under the terms of the    
mortgage contract before such           
forbearance period except as the result 
of a change in the index of an          
adjustable rate mortgage4  7#d7         
,communication with servicers ,any      
communication between a borrower and a  
servicer described under this section   
may be made in writing or orally1 at the
 borrower's choice4  7#e7 ,communication
 with borrowers with a disability ,upon 
request from a borrower1 servicers shall
 communicate with borrowers who have a  

disability in the borrower's preferred  
method of communication4 ,for purposes  
of this paragraph1 the term disability  
has the meaning given that term in the  
,fair ,housing ,act1 the ,americans with
 ,disabilities ,act of #aiij1 or the    
,rehabilitation ,act of #aigc4  2 and   
7,b7 in subsection 7c71 by amending     
paragraph 7#a7 to read as follows3  7#a7
 ,no documentation required ,a servicer 
of a covered mortgage loan shall not    
require any documentation with respect  
to a forbearance under this section     
other than the borrower's affirmation   
7oral or written7 to a financial        
hardship that prevents the borrower from
 making timely payments on the covered  
mortgage loan due1 directly or          
indirectly1 to the ,,covid-#ai          
emergency4 ,an oral request for         
forbearance and oral affirmation of     
hardship by the borrower shall be       
sufficient for the borrower to obtain or
 extend a forbearance4  4  7#e7 ,other  
servicer requirements during forbearance

 ,section #djbb7;c7 of the ,,cares ,act 
7#ae ,u4,s4,c4 #ijef7;c771 as amended by
 paragraph 7#c7 of this subsection1 is  
further amended by adding at the end the
 following3  7#d7 ,forbearance terms    
notice ,within #cj days of a servicer of
 a covered mortgage loan providing      
forbearance to a borrower under         
subsection 7b7 or paragraph 7#i7 or     
7#aj71 or #aj days if the forbearance is
 for a term of less than #fj days1 but  
only where the forbearance was provided 
in response to a borrower's request for 
forbearance or when an automatic        
forbearance was initially provided under
 paragraph 7#i7 or 7#aj71 and not when  
an existing forbearance is automatically
 extended1 the servicer shall provide   
the borrower with a notice in accordance
 with the terms in paragraph 7#e74  7#e7
 ,contents of notice ,the written notice
 required under paragraph 7#d7 shall    
state in plain language--  7,a7 the     
specific terms of the forbearance2  7,b7
 the beginning and ending dates of the  

forbearance2  7,c7 that the borrower is 
eligible for up to #ab months of        
forbearance2  7,d7 that the borrower may
 request an extension of the forbearance
 unless the borrower will have reached  
the maximum period at the end of the    
forbearance2  7,e7 that the borrower may
 request that the initial or extended   
period be shortened at any time2  7,f7  
that the borrower should contact the    
servicer before the end of the          
forbearance period2  7,g7 a description 
of the loss mitigation options that may 
be available to the borrower at the end 
of the forbearance period based on the  
borrower's specific loan2  7,h7         
information on how to find a housing    
counseling agency approved by the       
,department of ,housing and ,urban      
,development2  7,i7 in the case of a    
forbearance provided pursuant to        
paragraph 7#i7 or 7#aj71 that the       
forbearance was automatically provided  
and how to contact the servicer to make 
arrangements for further assistance1    

including any renewal2 and  7,j7 where  
applicable1 that the forbearance is     
subject to an automatic extension       
including the terms of any such         
automatic extensions and when any       
further extension would require a       
borrower request4  7#f7 ,treatment of   
escrow accounts ,during any forbearance 
provided under this section1 a servicer 
shall pay or advance funds to make      
disbursements in a timely manner from   
any escrow account established on the   
covered mortgage loan4  7#g7            
,notification for borrowers ,during the 
period that begins #ij days after the   
date of the enactment of this paragraph 
and ends at the end of the covered      
period1 each servicer of a covered      
mortgage loan shall be required to--    
7,a7 make available in a clear and      
conspicuous manner on their webpage     
accurate information1 in ,english and   
,spanish1 for borrowers regarding the   
availability of forbearance as provided 
under subsection 7b72 and  7,b7 notify  

every borrower whose payments on a      
covered mortgage loan are delinquent in 
any oral communication with or to the   
borrower that the borrower may be       
eligible to request forbearance as      
provided under subsection 7b71 except   
that such notice shall not be required  
if the borrower already has requested   
forbearance under subsection 7b74  7#h7 
,certain treatment under ,,respa ,as    
long as a borrower's payment on a       
covered mortgage loan was not more than 
#cj days delinquent on ,march #ac1      
#bjbj1 a servicer may not deem the      
borrower as delinquent while a          
forbearance granted under subsection 7b7
 is in effect for purposes of the       
application of sections #f and #aj of   
the ,real ,estate ,settlement           
,procedures ,act and any applicable     
regulations4  4  7#f7 ,post-forbearance 
loss mitigation  7,a7 ,amendment to     
,,cares ,act ,section #djbb of the      
,,cares ,act 7#ae ,u4,s4,c4 #ijef7 is   
amended by adding at the end the        

following3  7d7 ,post-,forbearance loss 
mitigation  7#a7 ,notice of availability
 of additional forbearance ,with respect
 to any covered mortgage loan as to     
which forbearance under this section has
 been granted and not otherwise         
extended1 including by automatic        
extension1 a servicer shall1 no later   
than #cj days before the end of the     
forbearance period1 in writing1 notify  
the borrower that additional forbearance
 may be available and how to request    
such forbearance1 except that no such   
notice is required where the borrower   
already has requested an extension of   
the forbearance period1 is subject to   
automatic extension pursuant to         
subsection 7b77#b77;,b71 or no          
additional forbearance is available4    
7#b7 ,loss mitigation offer before      
expiration of forbearance ,no later than
 #cj days before the end of any         
forbearance period that has not been    
extended or #cj days after a request by 
a consumer to terminate the forbearance1

 which time shall be before the servicer
 initiates or engages in any foreclosure
 activity listed in subsection 7c77#b71 
including incurring or charging to a    
borrower any fees or corporate advances 
related to a foreclosure1 the servicer  
shall1 in writing--  7,a7 offer the     
borrower a loss mitigation option1      
without the charging of any fees or     
penalties other than interest1 such that
 the borrower's principal and interest  
payment remains the same as it was prior
 to the forbearance1 subject to any     
adjustment of the index pursuant to the 
terms of an adjustable rate mortgage1   
and that either-- 7i7 defers the payment
 of total arrearages1 including any     
escrow advances1 to the end of the      
existing term of the loan1 without the  
charging or collection of any additional
 interest on the deferred amounts2 or   
7ii7 extends the term of the mortgage   
loan1 and capitalizes1 defers1 or       
forgives all escrow advances and other  
arrearages2  provided1 however1 that the

 servicer may offer the borrower a loss 
mitigation option that reduces the      
principal and interest payment on the   
loan and capitalizes1 defers1 or        
forgives all escrow advances or         
arrearages if the servicer has          
information indicating that the borrower
 cannot resume the pre-forbearance      
mortgage payments2 and  7,b7 concurrent 
with the loss mitigation offer in       
subparagraph 7,a71 notify the borrower  
that the borrower has the right to be   
evaluated for other loss mitigation     
options if the borrower is not able to  
make the payment under the option       
offered in subparagraph 7,a74  7#c7     
,evaluation for loss mitigation prior to
 foreclosure initiation ,before a       
servicer may initiate or engage in any  
foreclosure activity listed in          
subsection 7c77#b71 including incurring 
or charging to a borrower any fees or   
corporate advances related to a         
foreclosure on the basis that the       
borrower has failed to perform under the

 loss mitigation offer in paragraph     
7#b77;,a7 within the first #ij days     
after the option is offered1 including a
 failure to accept the loss mitigation  
offer in paragraph 7#b77;,a71 the       
servicer shall-- 7,a7 unless the        
borrower has already submitted a        
complete application that the servicer  
is reviewing--  7i7 notify the borrower 
in writing of the documents and         
information1 if any1 needed by the      
servicer to enable the servicer to      
consider the borrower for all available 
loss mitigation options2  7ii7 exercise 
reasonable diligence to obtain the      
documents and information needed to     
complete the borrower's loss mitigation 
application2  7,b7 upon receipt of a    
complete application or if1 despite the 
servicer's exercise of reasonable       
diligence1 the loss mitigation          
application remains incomplete sixty    
days after the notice in paragraph      
7#b77;,a7 is sent1 conduct an evaluation
 of the complete or incomplete loss     

mitigation application without reference
 to whether the borrower has previously 
submitted a complete loss mitigation    
application and offer the borrower all  
available loss mitigation options for   
which the borrower qualifies under      
applicable investor guidelines1         
including guidelines regarding required 
documentation4  7#d7 ,effect on future  
requests for loss mitigation review ,an 
application1 offer1 or evaluation for   
loss mitigation under this section shall
 not be the basis for the denial of a   
borrower's application as duplicative or
 for a reduction in the borrower's      
appeal rights under ,regulation ,x 7#ab 
,,cfr #ajbd7 in regard to any loss      
mitigation application submitted after  
the servicer has complied with the      
requirements of paragraphs 7#b7 and     
7#c74  7#e7 ,safe harbor ,any loss      
mitigation option authorized by the     
,federal ,national ,mortgage            
,association1 the ,federal ,home ,loan  
,corporation1 or the ,federal ,housing  

,administration that either-- 7,a7      
defers the payment of total arrearages1 
including any escrow advances1 to the   
end of the existing term of the loan1   
without the charging or collection of   
any additional interest on the deferred 
amounts1 or  7,b7 extends the term of   
the mortgage loan1 and capitalizes1     
defers1 or forgives all escrow advances 
and other arrearages1 without the       
charging of any fees or penalties beyond
 interest on any amount capitalized into
 the loan principal1  shall be deemed to
 comply with the requirements of        
paragraph 7#a77;,b74  7#f7 ,home        
retention options for certain reverse   
mortgage loans  7,a7 ,in general ,for a 
covered mortgage loan which is also a   
federally-insured reverse mortgage loan1
 a servicer's conduct shall be deemed to
 comply with this section provided that 
if the loan is eligible to be called due
 and payable due to a property charge   
default1 the mortgagee shall1 as a      
precondition to sending a due and       

payable request to the ,secretary or    
initiating or continuing a foreclosure  
process--  7i7 make a good faith effort 
to communicate with the borrower        
regarding available home retention      
options to cure the property charge     
default1 including encouraging the      
borrower to apply for home retention    
options2 and  7ii7 consider the borrower
 for all available home retention       
options as allowed by the ,secretary4   
7,b7 ,permissible repayment plans ,the  
,secretary shall amend its allowable    
home retention options to permit a      
repayment plan of up to #abj months in  
length1 and to permit a repayment plan  
without regard to prior defaults on     
repayment plans4  7,c7 ,limitation on   
interest curtailment ,the ,secretary may
 not curtail interest paid to mortgagees
 who engage in loss mitigation or home  
retention actions through interest      
curtailment during such loss mitigation 
or home retention review or during the  
period when a loss mitigation or home   

retention plan is in effect and ending  
#ij days after any such plan terminates4
  4  7,b7 ,amendment to ,housing ,act of
 #aidi ,section #eje of the ,housing    
,act of #aidi 7#db ,u4,s4,c4 #adge7 is  
amended-- 7i7 by striking the section   
heading and inserting ,loss ,mitigation 
and ,foreclosure ,procedures2  7ii7 in  
subsection 7a71 by striking the section 
designation and all that follows through
 ,during any and inserting the          
following3  #eje4 7a7 ,moratorium  7#a7 
,in determining a borrower's eligibility
 for relief1 the ,secretary shall make  
all eligibility decisions based on the  
borrower's household's income1 expenses1
 and circumstances4  7#b7 ,during any  4
  7iii7 by redesignating subsection 7b7 
as subsection 7c72 and  7iv7 by         
inserting after subsection 7a7 the      
following new subsection3  7b7 ,loan    
,modification 7#a7 ,notwithstanding any 
other provision of this title1 for any  
loan made under section #ejb or #ejd1   
the ,secretary may modify the interest  

rate and extend the term of such loan   
for up to #cj years from the date of    
such modification4  7#b7 ,at the end of 
any moratorium period granted under this
 section or under the ,emergency        
,housing ,protections and ,relief ,act  
of #bjbj1 the ,secretary shall determine
 whether the borrower can reasonably    
resume making principal and interest    
payments after the ,secretary modifies  
the borrower's loan obligations in      
accordance with paragraph 7#a74  4  7#g7
 ,multifamily ,mortgage ,forbearance    
,section #djbc of the ,,cares ,act 7#ae 
,u4,s4,c4 #ijeg7 is amended--  7,a7 by  
striking ,federally backed multifamily  
mortgage loan each place such term      
appears and inserting multifamily       
mortgage loan2  7,b7 in subsection 7b71 
by striking during and inserting due1   
directly or indirectly1 to2  7,c7 in    
subsection 7c77#a7-- 7i7 in subparagraph
 7,a71 by adding and at the end2  7ii7  
by striking subparagraphs 7,b7 and 7,c7 
and inserting the following3  7,b7      

provide the forbearance for up to the   
end of the period described under       
section #djbd7;b74  2 and  7,d7 by      
redesignating subsection 7f7 as         
subsection 7g72  7,e7 by inserting after
 subsection 7e7 the following3  7f7     
,treatment after forbearance ,with      
respect to a multifamily mortgage loan  
provided a forbearance under this       
section1 the servicer of such loan--    
7#a7 shall provide the borrower with a  
#ab-month period beginning at the end of
 such forbearance to become current on  
the payments under such loan2  7#b7 may 
not charge any late fees1 penalties1 or 
other charges with respect to payments  
on the loan that were due during the    
forbearance period1 if such payments are
 made before the end of the #ab-month   
period2 and  7#c7 may not report any    
adverse information to a credit rating  
agency 7as defined under section #fjc of
 the ,fair ,credit ,reporting ,act with 
respect to any payments on the loan that
 were due during the forbearance period1

 if such payments are made before the   
end of the #ab-month period474  2 and   
7,f7 in subsection 7g71 as so           
redesignated-- 7i7 in paragraph 7#b7--  
7,i7 by striking that-- and all that    
follows through 7,a7 is secured by and  
inserting that is secured by2  7,,ii7 by
 striking 2 and and inserting a period2 
and  7,,iii7 by striking subparagraph   
7,b72 and  7ii7 by amending paragraph   
7#e7 to read as follows3  7#e7 ,covered 
period ,with respect to a loan1 the term
 covered period has the meaning given   
that term under section #djbb7;a77#c74  
4  7#h7 ,renter protections during      
forbearance period ,a borrower that     
receives a forbearance pursuant to      
section #djbb or #djbc of the ,,cares   
,act 7#ae ,u4,s4,c4 #ijef or #ijeg7 may 
not1 for the duration of the            
forbearance--  7,a7 evict or initiate   
the eviction of a tenant solely for     
nonpayment of rent or other fees or     
charges2 or  7,b7 charge any late fees1 
penalties1 or other charges to a tenant 

for late payment of rent4  7#i7         
,extension of ,,gse ,patch  7,a7        
,non-applicability of existing sunset   
,section #ajbf4dc7;e77#d77;iii77,b7 of  
title #ab1 ,code of ,federal            
,regulations1 shall have no force or    
effect4  7,b7 ,extended sunset ,the     
special rules in section                
#ajbf4dc7;e77#d7 of title #ab1 ,code of 
,federal ,regulations1 shall apply to   
covered transactions consummated prior  
to ,june #a1 #bjbb1 or such later date  
as the ,director of the ,bureau of      
,consumer ,financial ,protection may    
determine1 by rule4  7#aj7 ,servicer    
safe harbor from investor liability     
7,a7 ,safe harbor  7i7 ,in general ,a   
servicer of covered mortgage loans or   
multifamily mortgage loans shall be     
deemed not to have violated any duty or 
contractual obligation owed to investors
 or other parties regarding such        
mortgage loans on account of offering or
 implementing in good faith forbearance 
during the covered period or offering or

 implementing in good faith             
post-forbearance loss mitigation        
7including after the expiration of the  
covered period7 in accordance with the  
terms of sections #djbb and #djbc of the
 ,,cares ,act to borrowers1             
respectively1 on covered or multifamily 
mortgage loans that it services and     
shall not be liable to any party who is 
owed such a duty or obligation or       
subject to any injunction1 stay1 or     
other equitable relief to such party on 
account of such offer or implementation 
of forbearance or post-forbearance loss 
mitigation4  7ii7 ,other persons ,any   
person1 including a trustee of a        
securitization vehicle or other party   
involved in a securitization or other   
investment vehicle1 who in good faith   
cooperates with a servicer of covered or
 multifamily mortgage loans held by that
 securitization or investment vehicle to
 comply with the terms of section #djbb 
and #djbc of the ,,cares ,act1          
respectively1 to borrowers on covered or

 multifamily mortgage loans owned by the
 securitization or other investment     
vehicle shall not be liable to any party
 who is owed such a duty or obligation  
or subject to any injunction1 stay1 or  
other equitable relief to such party on 
account of its cooperation with an offer
 or implementation of forbearance during
 the covered period or post-forbearance 
loss mitigation1 including after the    
expiration of the covered period4  7,b7 
,standard industry practice ,during the 
covered period1 notwithstanding any     
contractual restrictions1 it is deemed  
to be standard industry practice for a  
servicer to offer forbearance or loss   
mitigation options in accordance with   
the terms of sections #djbb and #djbc of
 the ,,cares ,act to borrowers1         
respectively1 on all covered or         
multifamily mortgage loans it services4 
7,c7 ,rule of construction ,nothing in  
this paragraph may be construed as      
affecting the liability of a servicer or
 other person for actual fraud in the   

servicing of a mortgage loan or for the 
violation of a ,state or ,federal law4  
7,d7 ,definitions ,in this paragraph3   
7i7 ,covered mortgage loan ,the term    
covered mortgage loan has the meaning   
given that term under section #djbb7;a7 
of the ,,cares ,act4  7ii7 ,covered     
period ,the term covered period has the 
meaning given that term under section   
#djbc7;g7 of the ,,cares ,act4  7iii7   
,multifamily mortgage loan ,the term    
multifamily mortgage loan has the       
meaning given that term under section   
#djbc7;g7 of the ,,cares ,act4  7iv7    
,servicer ,the term servicer-- 7,i7 has 
the meaning given the term under section
 #f7;i7 of the ,real ,estate ,settlement
 ,procedures ,act of #aigd 7#ab         
,u4,s4,c4 #bfje7;i772 and  7,,ii7 means 
a master servicer and a subservicer1 as 
such terms are defined1 respectively1   
under section #ajbd4ca of title #ab1    
,code of ,federal ,regulations4  7v7    
,securitization vehicle ,the term       
securitization vehicle has the meaning  

give that term under section #abi;,a7f7 
of the ,truth in ,lending ,act 7#ae     
,u4,s4,c4 #afci;a7f774  7c7 ,bankruptcy 
protections  7#a7 ,bankruptcy           
,protections for ,federal ,coronavirus  
,relief ,payments ,section #eda7;b7 of  
title #aa1 ,united ,states ,code1 is    
amended-- 7,a7 in paragraph 7#i71 in the
 matter following subparagraph 7,b71 by 
striking or2  7,b7 in paragraph         
7#aj77;,c71 by striking the period at   
the end and inserting 2 or2 and  7,c7 by
 inserting after paragraph 7#aj7 the    
following3  7#aa7 payments made under   
,federal law relating to the national   
emergency declared by the ,president    
under the ,national ,emergencies ,act   
7#ej ,u4,s4,c4 #afja et seq47 with      
respect to the coronavirus disease #bjai
 7,,covid-#ai74  4  7#b7 ,protection    
,against ,discriminatory ,treatment of  
,homeowners in ,bankruptcy ,section #ebe
 of title #aa1 ,united ,states ,code1 is
 amended by adding at the end the       
following3  7d7 ,a person may not be    

denied any forbearance1 assistance1 or  
loan modification relief made available 
to borrowers by a mortgage creditor or  
servicer because the person is or has   
been a debtor1 or has received a        
discharge1 in a case under this title4  
4  7#c7 ,increasing the ,homestead      
,exemption ,section #ebb of title #aa1  
,united ,states ,code1 is amended--     
7,a7 in subsection 7d77#a71 by striking 
#ae1jjj and inserting #ajj1jjj2 and     
7,b7 by adding at the end the following3
  7r7 ,notwithstanding any other        
provision of applicable nonbankruptcy   
law1 a debtor in any ,state may exempt  
from property of the estate the property
 described in subsection 7d77#a7 not to 
exceed the value in subsection 7d77#a7  
if the exemption for such property      
permitted by applicable nonbankruptcy   
law is lower than that amount4  4  7#d7 
,effect of ,missed ,mortgage ,payments  
on ,discharge ,section #acbh of title   
#aa1 ,united ,states ,code1 is amended  
by adding at the end the following3  7i7

 ,a debtor shall not be denied a        
discharge under this section because1 as
 of the date of discharge1 the debtor   
did not make #f or fewer payments       
directly to the holder of a debt secured
 by real property4  7j7 ,notwithstanding
 subsections 7a7 and 7b71 upon the      
debtor's request1 the court shall grant 
a discharge of all debts provided for in
 the plan that are dischargeable under  
subsection 7a7 if the debtor--  7#a7 has
 made payments under a confirmed plan   
for at least #a year2 and  7#b7 is      
experiencing or has experienced a       
material financial hardship due1        
directly or indirectly1 to the          
coronavirus disease #bjai 7,,covid-#ai7 
pandemic4  4  7#e7 ,expanded eligibility
 for chapter #ac ,section #aji7;e7 of   
title #aa1 ,united ,states ,code1 is    
amended-- 7,a7 by striking #bej1jjj each
 place the term appears and inserting   
#hej1jjj2 and  7,b7 by striking #gej1jjj
 each place the term appears and        
inserting #b1fjj1jjj4  7#f7 ,extended   

,cure ,period for ,homeowners ,harmed by
 ,,covid-#ai ,pandemic  7,a7 ,in general
 ,chapter #ac of title #aa1 ,united     
,states ,code1 is amended by adding at  
the end thereof the following3  #acca4  
,special provisions related to          
,,covid-#ai pandemic  7a7               
,notwithstanding subsections 7b77#b7 and
 7d7 of section #acbb1 if the debtor is 
experiencing or has experienced a       
material financial hardship due1        
directly or indirectly1 to the          
coronavirus disease #bjai 7,,covid-#ai7 
pandemic1 a plan may provide for the    
curing of any default within a          
reasonable time1 not to exceed #g years 
after the time that the first payment   
under the original confirmed plan was   
due1 and maintenance of payments while  
the case is pending on any unsecured    
claim or secured claim on which the last
 payment is due after the expiration of 
such time4 ,any such plan provision     
shall not affect the applicable         
commitment period under section         

#acbe7;b74  7b7 ,for purposes of        
sections #acbh7;a7 and #acbh7;b71 any   
cure or maintenance payments under      
subsection 7a7 that are made after the  
end of the period during which the plan 
provides for payments 7other than       
payments under subsection 7a77 shall not
 be treated as payments under the plan4 
7c7 ,notwithstanding section #acbi7;c71 
a plan modified under section #acbi at  
the debtor's request may provide for    
cure or maintenance payments under      
subsection 7a7 over a period that is not
 longer than #g years after the time    
that the first payment under the        
original confirmed plan was due4  7d7   
,notwithstanding section #cfb7;c77#b71  
during the period after the debtor      
receives a discharge and the period     
during which the plan provides for the  
cure of any default and maintenance of  
payments under the plan1 section        
#cfb7;a7 shall apply to the holder of a 
claim for which a default is cured and  
payments are maintained under subsection

 7a7 and to any property securing such  
claim4  7e7 ,notwithstanding section    
#acja7;a77#b71 the stay of section      
#acja7;a7 terminates upon the granting  
of a discharge under section #acbh with 
respect to all creditors other than the 
holder of a claim for which a default is
 cured and payments are maintained under
 subsection 7a74  4  7,b7 ,table of     
contents ,the table of sections of      
chapter #ac1 title #aa1 ,united ,states 
,code1 is amended by adding at the end  
thereof the following3  ,sec4 #acca4    
,special provisions related to          
,,covid-#ai ,pandemic4  4  7,c7         
,application ,the amendments made by    
this paragraph shall apply only to any  
case under title #aa1 ,united ,states   
,code1 commenced before #c years after  
the date of enactment of this ,act and  
pending on or commenced after such date 
of enactment1 in which a plan under     
chapter #ac of title #aa1 ,united       
,states ,code1 was not confirmed before 
,march #bg1 #bjbj4  #ajd4 ,liquidity for

 mortgage servicers and residential     
rental property owners  7a7 ,in general 
,section #djjc of the ,,cares ,act 7#ae 
,u4,s4,c4 #ijdb71 is amended by adding  
at the end the following3  7i7          
,liquidity for mortgage servicers  7#a7 
,in general ,subject to paragraph 7#b71 
the ,secretary shall ensure that        
servicers of covered mortgage loans 7as 
defined under section #djbb7 and        
multifamily mortgage loans 7as defined  
under section #djbc7 are provided the   
opportunity to participate in the loans1
 loan guarantees1 or other investments  
made by the ,secretary under this       
section4 ,the ,secretary shall ensure   
that servicers are provided with access 
to such opportunities under equitable   
terms and conditions regardless of their
 size4  7#b7 ,mortgage servicer         
eligibility ,in order to receive        
assistance under subsection 7b77#d71 a  
mortgage servicer shall--  7,a7         
demonstrate that the mortgage servicer  
has established policies and procedures 

to use such funds only to replace funds 
used for borrower assistance1 including 
to advance funds as a result of         
forbearance or other loss mitigation    
provided to borrowers2  7,b7 demonstrate
 that the mortgage servicer has         
established policies and procedures to  
provide forbearance1 post-forbearance   
loss mitigation1 and other assistance to
 borrowers in compliance with the terms 
of section #djbb or #djbc1 as           
applicable2  7,c7 demonstrate that the  
mortgage servicer has established       
policies and procedures to ensure that  
forbearance and post-forbearance        
assistance is available to all borrowers
 in a non-discriminatory fashion and in 
compliance with the ,fair ,housing ,act1
 the ,equal ,credit ,opportunity ,act1  
and other applicable fair housing and   
fair lending laws2 and  7,d7 comply with
 the limitations on compensation set    
forth in section #djjd4  7#c7 ,mortgage 
servicer requirements ,a mortgage       
servicer receiving assistance under     

subsection 7b77#d7 may not1 while the   
servicer is under any obligation to     
repay funds provided or guaranteed under
 this section-- 7,a7 pay dividends with 
respect to the common stock of the      
mortgage servicer or purchase an equity 
security of the mortgage servicer or any
 parent company of the mortgage servicer
 if the security is listed on a national
 securities exchange1 except to the     
extent required under a contractual     
obligation that is in effect on the date
 of enactment of this subsection2 or    
7,b7 prepay any debt obligation4  4  7b7
 ,credit facility for residential rental
 property owners  7#a7 ,in general ,the 
,board of ,governors of the ,federal    
,reserve ,system shall--  7,a7 establish
 a facility1 using amounts made         
available under section #djjc7;b77#d7 of
 the ,,cares ,act 7#ae ,u4,s4,c4        
#ijdb7;b77#d771 to make long-term1      
low-cost loans to residential rental    
property owners as to temporarily       
compensate such owners for documented   

financial losses caused by reductions in
 rent payments2 and  7,b7 defer such    
owners' required payments on such loans 
until after six months after the date of
 enactment of this ,act4  7#b7          
,requirements ,a borrower that receives 
a loan under this subsection may not1   
for the duration of the loan-- 7,a7     
evict or initiate the eviction of a     
tenant solely for nonpayment of rent or 
other fees or charges2  7,b7 charge any 
late fees1 penalties1 or other charges  
to a tenant for late payment of rent2   
and  7,c7 with respect to a person or   
entity described under paragraph 7#d71  
discriminate on the basis of source of  
income4  7#c7 ,report on residential    
rental property owners ,the ,board of   
,governors shall issue a report to the  
,congress containing the following1 with
 respect to each property owner         
receiving a loan under this subsection3 
7,a7 ,the number of borrowers that      
received assistance under this          
subsection4  7,b7 ,the average total    

loan amount that each borrower received4
  7,c7 ,the total number of rental units
 that each borrower owned4  7,d7 ,the   
average rent charged by each borrower4  
7#d7 ,report on large residential rental
 property owners ,the ,board of         
,governors shall issue a report to      
,congress that identifies any person or 
entity that in aggregate owns or holds a
 controlling interest in any entity     
that1 in aggregate1 owns--  7,a7 more   
than #ajj rental units that are located 
within in a single ,metropolitan        
,statistical ,area2  7,b7 more than     
#a1jjj rental units nationwide2 or  7,c7
 rental units in three or more ,states4 
7c7 ,amendments to ,national ,housing   
,act ,section #cjf7;g77#a7 of the       
,national ,housing ,act 7#ab ,u4,s4,c4  
#agba7;a77 is amended--  7#a7 in the    
fifth sentence1 by inserting after      
issued the following3 1 subject to any  
pledge or grant of security interest of 
the ,federal ,reserve under section     
#djjc7;a7 of the ,,cares ,act 7,public  

,law #aaf-acf2 #acd ,stat4 #dgj2 #ae    
,u4,s4,c4 #ijdb7;a77 and to any such    
mortgage or mortgages or any interest   
therein and the proceeds thereon1 which 
the ,association may elect to approve2  
and  7#b7 in the sixth sentence--  7,a7 
by striking or 7,c7 and inserting 7,c72 
and  7,b7 by inserting before the period
 the following3 1 or 7,d7 its approval  
and honoring of any pledge or grant of  
security interest of the ,federal       
,reserve under section #djjc7;a7 of the 
,,cares ,act and to any such mortgage or
 mortgages or any interest therein and  
proceeds thereon as4  #aje4 ,rural      
rental assistance ,there is authorized  
to be appropriated for fiscal year #bjbj
 #cji1jjj1jjj for rural rental          
assistance1 which shall remain available
 until ,september #cj1 #bjba1 of which--
 7#a7 up to #be1jjj1jjj may be used for 
an additional amount for rural housing  
vouchers for any low-income households  
7including those not receiving rental   
assistance7 residing in a property      

financed with a section #eae loan which 
has been prepaid after ,september #cj1  
#bjje1 or has matured after ,september  
#cj1 #bjai2 and  7#b7 the remainder     
shall be used for an additional amount  
for rural rental assistance agreements  
entered into or renewed pursuant to     
section #eba7;a77#b7 of the ,housing    
,act of #aidi 7#db ,u4,s4,c4            
#adij;a7a77#b77 to-- 7,a7 supplement the
 rental assistance of households on     
whose behalf assistance is being        
provided2 and  7,b7 provide rental      
assistance on behalf of households who  
are not being assisted with such rental 
assistance but who qualify for such     
assistance4  #ajf4 ,funding for public  
housing and tenant-based rental         
assistance  7a7 ,public housing         
operating fund ,there is authorized to  
be appropriated for an additional amount
 for fiscal year #bjbj for the ,public  
,housing ,operating ,fund under section 
#i7;e7 of the ,united ,states ,housing  
,act of #aicg 7#db ,u4,s4,c4 #adcg;g7e77

 #b1jjj1jjj1jjj1 to remain available    
until ,september #cj1 #bjba4  7b7       
,tenant-,based section #h rental        
assistance ,there is authorized to be   
appropriated for an additional amount   
for fiscal year #bjbj for the           
tenant-based rental assistance under    
section #h7o7 of the ,united ,states    
,housing ,act of #aicg 7#db ,u4,s4,c4   
#adcg;f7o77 #c1jjj1jjj1jjj1 to remain   
available until ,september #cj1 #bjba1  
of which not more than #ejj1jjj1jjj may 
be used for administrative fees under   
section #h7q7 of such ,act 7#db         
,u4,s4,c4 #adcg;f7q774  7c7             
,applicability of waivers ,any waiver or
 alternative requirement made by the    
,secretary of ,housing and ,urban       
,development pursuant to the heading    
,tenant-,based ,rental ,assistance or   
,public ,housing ,operating ,fund in    
title ,,xii of division ,b of the       
,,cares ,act 7,public ,law #aaf-acf7    
shall apply with respect to amounts made
 available pursuant to this section4    

#ajg4 ,supplemental funding for         
supportive housing for the elderly1     
supportive housing for persons with     
disabilities1 supportive housing for    
persons with ,,aids1 and project-based  
section #h rental assistance  7a7       
,authorization of appropriations ,there 
is authorized to be appropriated        
#ejj1jjj1jjj for fiscal year #bjbj for  
additional assistance for supportive    
housing for the elderly1 of which-- 7#a7
 #bjj1jjj1jjj shall be for rental       
assistance under section #bjb of the    
,housing ,act of #aiei 7#ab ,u4,s4,c4   
#agjaq7 or section #h of the ,united    
,states ,housing ,act of #aicg 7#db     
,u4,s4,c4 #adcg;f71 as appropriate1 and 
for hiring additional staff and for     
services and costs1 including acquiring 
personal protective equipment1 to       
prevent1 prepare for1 or respond to the 
public health emergency relating to     
,coronavirus ,disease #bjai             
7,,covid-#ai7 pandemic2 and  7#b7       
#cjj1jjj1jjj shall be for grants under  

section #fgf of the ,housing and        
,community ,development ,act of #aiib   
7#db ,u4,s4,c4 #acfcb7 for costs of     
providing service coordinators for      
purposes of coordinating services to    
prevent1 prepare for1 or respond to the 
public health emergency relating to     
,coronavirus ,disease #bjai             
7,,covid-#ai74  ,any provisions of1 and 
waivers and alternative requirements    
issued by the ,secretary pursuant to1   
the heading ,department of ,housing and 
,urban ,development--,housing           
,programs--,housing for the ,elderly in 
title ,,xii of division ,b of the       
,,cares ,act 7,public ,law #aaf-acf7    
shall apply with respect to amounts made
 available pursuant to this subsection4 
7b7 ,eligibility of supportive housing  
for persons with disabilities           
,subsection 7a7 of section #fgf of the  
,housing and ,community ,development    
,act of #aiib 7#db ,u4,s4,c4 #acfcb7;a77
 shall be applied1 for purposes of      
subsection 7a7 of this section1 by      

substituting 7,g71 and 7,h7 for and     
7,g74  7c7 ,service coordinators  7#a7  
,hiring ,in the hiring of staff using   
amounts made available pursuant to this 
section for costs of providing service  
coordinators1 grantees shall consider   
and hire1 at all levels of employment   
and to the greatest extent possible1 a  
diverse staff1 including by race1       
ethnicity1 gender1 and disability       
status4 ,each grantee shall submit a    
report to the ,secretary of ,housing and
 ,urban ,development describing         
compliance with the preceding sentence  
not later than the expiration of the    
#abj-;day period that begins upon the   
termination of the emergency declared on
 ,march #ac1 #bjbj1 by the ,president   
under the ,robert ,t4 ,stafford         
,disaster ,relief and ,emergency        
,assistance ,act 7#db ,u4,s4,c4 #daba et
 seq47 relating to the ,coronavirus     
,disease #bjai 7,,covid-#ai7 pandemic4  
7#b7 ,one-time grants ,grants made using
 amounts made available pursuant to     

subsection 7a7 for costs of providing   
service coordinators shall not be       
renewable4  7#c7 ,one-year availability 
,any amounts made available pursuant to 
this section for costs of providing     
service coordinators that are allocated 
for a grantee and remain unexpended upon
 the expiration of the #ab-month period 
beginning upon such allocation shall be 
recaptured by the ,secretary4  7d7      
,funding for supportive housing for     
persons with disabilities ,there is     
authorized to be appropriated           
#bjj1jjj1jjj for fiscal year #bjbj for  
additional assistance for supportive    
housing for persons with disabilities   
under section #haa of the               
,cranston-,gonzalez ,national           
,affordable ,housing ,act 7#db ,u4,s4,c4
 #hjac74 ,any provisions of1 and waivers
 and alternative requirements issued by 
the ,secretary pursuant to1 the heading 
,department of ,housing and ,urban      
,development--,housing                  
,programs--,housing for ,persons ,with  

,disabilities in title ,,xii of division
 ,b of the ,,cares ,act 7,public ,law   
#aaf-acf7 shall apply with respect to   
amounts made available pursuant to this 
subsection4  7e7 ,funding for ,housing  
,opportunities for ,people with ,,aids  
program ,there is authorized to be      
appropriated #ae1jjj1jjj for fiscal year
 #bjbj for additional assistance for the
 ,housing ,opportunities for ,persons   
with ,,aids program under the ,,aids    
,housing ,opportunity ,act 7#db         
,u4,s4,c4 #abija et seq474 ,any         
provisions of1 and waivers and          
alternative requirements issued by the  
,secretary pursuant to1 the heading     
,department of ,housing and ,urban      
,development--,community ,planning and  
,development--,housing ,opportunities   
for ,persons ,with ,,aids in title ,,xii
 of division ,b of the ,,cares ,act     
7,public ,law #aaf-acf7 shall apply with
 respect to amounts made available      
pursuant to this subsection4  7f7       
,funding for project-,based section #h  

rental assistance ,there is authorized  
to be appropriated #gej1jjj1jjj for     
fiscal year #bjbj for additional        
assistance for project-based rental     
assistance under section #h of the      
,united ,states ,housing ,act of #aicg  
7#db ,u4,s4,c4 #adcg;f74 ,any provisions
 of1 and waivers and alternative        
requirements issued by the ,secretary   
pursuant to1 the heading ,department of 
,housing and ,urban                     
,development--,housing                  
,programs--,project-,based ,rental      
,assistance in title ,,xii of division  
,b of the ,,cares ,act 7,public ,law    
#aaf-acf7 shall apply with respect to   
amounts made available pursuant to this 
subsection4  #ajh4 ,fair ,housing  7a7  
,definition of ,,covid-#ai emergency    
period ,for purposes of this ,act1 the  
term ,,covid-#ai emergency period means 
the period that begins upon the date of 
the enactment of this ,act and ends upon
 the date of the termination by the     
,federal ,emergency ,management ,agency 

of the emergency declared on ,march #ac1
 #bjbj1 by the ,president under the     
,robert ,t4 ,stafford ,disaster ,relief 
and ,emergency ,assistance ,act 7#db    
,u4,s4,c4 #daba et seq47 relating to the
 ,coronavirus ,disease #bjai            
7,,covid-#ai7 pandemic4  7b7 ,fair      
housing activities  7#a7 ,authorization 
of appropriations ,to ensure existing   
grantees have sufficient resource for   
fair housing activities and for         
technology and equipment needs to       
deliver services through use of the     
,internet or other electronic or virtual
 means in response to the public health 
emergency related to the ,coronavirus   
,disease #bjai 7,,covid-#ai7 pandemic1  
there is authorized to be appropriated  
#d1jjj1jjj for ,fair ,housing           
,organization ,initiative grants through
 the ,fair ,housing ,initiatives        
,program under section #efa of the      
,housing and ,community ,development    
,act of #aihg 7#db ,u4,s4,c4 #cfaf;a74  
7#b7 #c-year availability ,any amounts  

made available pursuant paragraph 7#a7  
that are allocated for a grantee and    
remain unexpended upon the expiration of
 the #c-year period beginning upon such 
allocation shall be recaptured by the   
,secretary4  7c7 ,fair housing education
 ,there is authorized to be appropriated
 #aj1jjj1jjj for the ,office of ,fair   
,housing and ,equal ,opportunity of the 
,department of ,housing and ,urban      
,development to carry out a national    
media campaign and local education and  
outreach to educate the public of       
increased housing rights during         
,,covid-#ai emergency period1 that      
provides that information and materials 
used in such campaign are available--   
7#a7 in the languages used by           
communities with limited ,english       
proficiency2 and  7#b7 to persons with  
disabilities4  #aji4 ,funding for       
housing counseling services  7a7        
,congressional findings ,the ,congress  
finds that-- 7#a7 the spread of         
,coronavirus ,disease #bjai             

7,,covid-#ai71 which is now considered a
 global pandemic1 is expected to        
negatively impact the incomes of        
potentially millions of homeowners1     
renters1 individuals experiencing       
homelessness1 and individuals at risk of
 homelessness1 making it difficult for  
them to pay their mortgages or rents on 
time2  7#b7 housing counseling is       
critical to ensuring that homeowners1   
renters1 individuals experiencing       
homelessness1 and individuals at risk of
 homelessness have the resources they   
need to manage financial hardships from 
the ,,covid-#ai crisis2  7#c7 loan      
preservation and foreclosure mitigation 
services are also critical to address   
the needs of homeowners who lose        
employment and income because of the    
pandemic and who face serious           
delinquency or home loan default1 or are
 in foreclosing proceedings during this 
period2  7#d7 evaluations from the      
,national ,foreclosure ,mitigation      
,counseling program revealed that       

homeowners at risk of or facing         
foreclosure are better served when they 
have access to a housing counselor and a
 range of tools and resources to help   
them avoid losing their home and have   
the support they need to tailor the best
 possible response to their situation4  
7b7 ,authorization of appropriations    
,there is authorized to be appropriated 
to the ,neighborhood ,reinvestment      
,corporation 7in this section referred  
to as the ,corporation7 established     
under the ,neighborhood ,reinvestment   
,corporation ,act 7#db ,u4,s4,c4 #haja  
et seq47 #ajj1jjj1jjj for fiscal year   
#bjbj for housing counseling services1  
which shall remain available until      
,september #cj1 #bjbc4  7c7             
,prioritization of housing counseling   
services ,of any grant funds made       
available pursuant to subsection 7b71   
not less than #dj percent shall be      
provided to counseling organizations    
that target counseling services to      
minority and low-income homeowners1     

renters1 individuals experiencing       
homelessness1 and individuals at risk of
 homelessness or provide such services  
in neighborhoods with high              
concentrations of minority and          
low-income homeowners1 renters1         
individuals experiencing homelessness1  
and individuals at risk of homelessness4
  7d7 ,eligible uses ,amounts made      
available pursuant to subsection 7b7 may
 be used in such amounts as the         
,corporation determines for costs of--  
7#a7 public education and outreach2     
7#b7 direct services1 including the full
 range of services provided by housing  
counselors to assist homeowners1        
including manufactured homeowners1      
regardless of financing type1 renters1  
individuals experiencing homelessness1  
and individuals at risk of homelessness1
 including the practices1 tools1 and    
innovations in foreclosure mitigation   
that were utilized in the ,national     
,foreclosure ,mitigation ,counseling    
,program1 and financial capability1     

credit counseling1 homeless counseling1 
and rental counseling2  7#c7 equipment  
and technology1 including broadband     
internet and equipment upgrades needed  
to ensure timely and effective service  
delivery2  7#d7 training1 including     
capacitating housing counseling staff in
 various modes of counseling1 including 
rental and foreclosure1 delivery of     
remote counseling utilizing improved    
technology1 enhanced network security1  
and supportive options for the delivery 
of client services2 and  7#e7           
administration and oversight of the     
program in accordance with the          
,corporation's rate for program         
administration4  7e7 ,disbursement ,the 
,corporation shall disburse all grant   
funds made available pursuant to        
subsection 7b7 as expeditiously as      
possible1 through grants to housing     
counseling intermediaries approved by   
the ,department of ,housing and ,urban  
,development1 ,state housing finance    
agencies1 and ,neighbor,works           

organizations4 ,the aggregate amount    
provided to ,neighbor,works             
organizations shall not exceed #ae      
percent of the total of grant funds made
 available pursuant to subsection 7b74  
,,ii ,protecting ,people ,experiencing  
,homelessness  #bja4 ,homeless          
assistance funding  7a7 ,emergency      
homeless assistance  7#a7 ,authorization
 of appropriations ,there is authorized 
to be appropriated under the ,emergency 
,solutions ,grants program under        
subtitle ,b of title ,,iv of the        
,mc,kinney-,vento ,homeless ,assistance 
,act 7#db ,u4,s4,c4 #aacga et seq47     
#aa1ejj1jjj1jjj for grants under such   
subtitle in accordance with this        
subsection to respond to needs arising  
from the public health emergency        
relating to ,coronavirus ,disease #bjai 
7,,covid-#ai74 ,of such amounts made    
available1 #d1jjj1jjj1jjj shall be      
allocated in accordance with sections   
#dac and #dad of the ,mc,kinney-,vento  
,homeless ,assistance ,act 7#db         

,u4,s4,c4 #aacgb1 #aacgc74  7#b7        
,formula ,notwithstanding sections #dac 
and #dad of the ,mc,kinney-,vento       
,homeless ,assistance ,act 7#db         
,u4,s4,c4 #aacgb1 #aacgc71 the          
,secretary of ,housing and ,urban       
,development 7in this ,act referred to  
as the ,secretary7 shall allocate any   
amounts remaining after amounts are     
allocated pursuant to paragraph 7#a7 in 
accordance with a formula to be         
established by the ,secretary that takes
 into consideration the following       
factors3  7,a7 ,risk of transmission of 
coronavirus in a jurisdiction4  7,b7    
,whether a jurisdiction has a high      
number or rate of sheltered and         
unsheltered homeless individuals and    
families4  7,c7 ,economic and housing   
market conditions in a jurisdiction4    
7#c7 ,eligible activities ,in addition  
to eligible activities under section    
#dae7;a7 of the ,mc,kinney-,vento       
,homeless ,assistance ,act 7#db         
,u4,s4,c4 #aacgd7;a71 amounts made      

available pursuant to paragraph 7#a7 may
 also be used for costs of the following
 activities3  7,a7 ,providing training  
on infectious disease prevention and    
mitigation4  7,b7 ,providing hazard pay1
 including for time worked before the   
effectiveness of this subparagraph1 for 
staff working directly to prevent and   
mitigate the spread of coronavirus or   
,,covid-#ai among people experiencing or
 at risk of homelessness4  7,c7         
,reimbursement of costs for eligible    
activities 7including activities        
described in this paragraph7 relating to
 preventing1 preparing for1 or          
responding to the coronavirus or        
,,covid-#ai that were accrued before the
 date of the enactment of this ,act4    
7,d7 ,notwithstanding #bd ,,cfr         
#egf4ajb7;a77#c71 providing a hotel or  
motel voucher for a homeless individual 
or family4  ,use of such amounts for    
activities described in this paragraph  
shall not be considered use for         
administrative purposes for purposes of 

section #dah of the ,mc,kinney-,vento   
,homeless ,assistance ,act 7#db         
,u4,s4,c4 #aacgg74  7#d7                
,inapplicability of procurement         
standards ,to the extent amounts made   
available pursuant to paragraph 7#a7 are
 used to procure goods and services     
relating to activities to prevent1      
prepare for1 or respond to the          
coronavirus or ,,covid-#ai1 the         
standards and requirements regarding    
procurement that are otherwise          
applicable shall not apply4  7#e7       
,inapplicability of habitability and    
environmental review standards ,any     
,federal standards and requirements     
regarding habitability and environmental
 review shall not apply with respect to 
any emergency shelter that is assisted  
with amounts made available pursuant to 
paragraph 7#a7 and has been determined  
by a ,state or local health official1 in
 accordance with such requirements as   
the ,secretary shall establish1 to be   
necessary to prevent and mitigate the   

spread of coronavirus or ,,covid-#ai1   
such shelters4  7#f7 ,inapplicability of
 cap on emergency shelter activities    
,subsection 7b7 of section #dae of the  
,mc,kinney-,vento ,homeless ,assistance 
,act shall not apply to any amounts made
 available pursuant to paragraph 7#a7 of
 this subsection4  7#g7 ,initial        
allocation of assistance ,section       
#dag7;b7 of the ,mc,kinney-,vento       
,homeless ,assistance ,act 7#db         
,u4,s4,c4 #aacgf7;b77 shall be applied  
with respect to amounts made available  
pursuant to paragraph 7#a7 of this      
subsection by substituting #cj-;day for 
#fj-;day4  7#h7 ,waivers and alternative
 requirements  7,a7 ,authority ,in      
administering amounts made available    
pursuant to paragraph 7#a71 the         
,secretary may waive1 or specify        
alternative requirements for1 any       
provision of any statute or regulation  
7except for any requirements related to 
fair housing1 nondiscrimination1 labor  
standards1 and the environment7 that the

 ,secretary administers in connection   
with the obligation or use by the       
recipient of such amounts1 if the       
,secretary finds that good cause exists 
for the waiver or alternative           
requirement and such waiver or          
alternative requirement is consistent   
with the purposes described in this     
subsection4  7,b7 ,notification ,the    
,secretary shall notify the public      
through the ,federal ,register or other 
appropriate means #e days before the    
effective date of any such waiver or    
alternative requirement1 and any such   
public notice may be provided on the    
,internet at the appropriate ,government
 web site or through other electronic   
media1 as determined by the ,secretary4 
7,c7 ,exemption ,the use of amounts made
 available pursuant to paragraph 7#a7   
shall not be subject to the             
consultation1 citizen participation1 or 
match requirements that otherwise apply 
to the ,emergency ,solutions ,grants    
program1 except that a recipient shall  

publish how it has and will utilize its 
allocation at a minimum on the ,internet
 at the appropriate ,government web site
 or through other electronic media4     
7#i7 ,inapplicability of matching       
requirement ,subsection 7a7 of section  
#daf of the ,mc,kinney-,vento ,homeless 
,assistance ,act 7#db ,u4,s4,c4         
#aacge7;a77 shall not apply to any      
amounts made available pursuant to      
paragraph 7#a7 of this subsection4      
7#aj7 ,prohibition on prerequisites     
,none of the funds authorized under this
 subsection may be used to require      
people experiencing homelessness to     
receive treatment or perform any other  
prerequisite activities as a condition  
for receiving shelter1 housing1 or other
 services4  7b7 ,continuum of ,care     
program ,due to the emergency relating  
to the ,coronavirus ,disease #bjai      
7,,covid-#ai7 pandemic1 the ,notice of  
,funding ,availability 7,,nofa7 for     
fiscal year #bjbj for the ,continuum of 
,care program under subtitle ,c of title

 ,,iv of the ,mc,kinney-,vento ,homeless
 ,assistance ,act 7#db ,u4,s4,c4 #aacha 
et seq47 shall have no force or effect  
and the ,secretary of ,housing and      
,urban ,development shall distribute    
amounts made available for such fiscal  
year for such program based on the      
results of the competition for amounts  
made available for such program for     
fiscal year #bjai 7,,fr-#fcjj-be71      
except that grant amounts may be        
adjusted to account for changes in fair 
market rents4  #bjb4 ,emergency rental  
assistance voucher program  7a7         
,authorization of appropriations ,there 
is authorized to be appropriated to the 
,secretary of ,housing and ,urban       
,development 7in this section referred  
to as the ,secretary71 #a1jjj1jjj1jjj   
for fiscal year #bjbj1 to remain        
available until expended1 for           
incremental emergency vouchers under    
subsection 7b74  7b7 ,emergency vouchers
  7#a7 ,in general ,the ,secretary shall
 provide emergency rental assistance    

vouchers under this subsection1 which   
shall be tenant-based rental assistance 
under section #h7o7 the ,united ,states 
,housing ,act of #aicg 7#db ,u4,s4,c4   
#adcg;f7o774  7#b7 ,selection of        
families  7,a7 ,mandatory preferences   
,each public housing agency             
administering assistance under this     
section shall provide preference for    
such assistance to eligible families    
that are-- 7i7 homeless 7as such term is
 defined in section #ajc7;a7 of the     
,mc,kinney-,vento ,homeless ,assistance 
,act 7#db ,u4,s4,c4 #aacjb7;a772  7ii7  
at risk of homelessness 7as such term is
 defined in section #dja of the         
,mc,kinney-,vento ,homeless ,assistance 
,act 7#db ,u4,s4,c4 #aacfj72 or  7iii7  
fleeing1 or attempting to flee1 domestic
 violence1 dating violence1 sexual      
assault1 or stalking4  7,b7 ,allocation 
,in allocating amounts made available   
under this section1 the ,secretary      
shall-- 7i7 not later than #fj days     
after the date of the enactment of this 

,act1 allocate at least #ej percent of  
such amounts to public housing agencies 
in accordance with a formula that       
considers--  7,i7 the capability of     
public housing agencies to promptly use 
emergency vouchers provided under this  
section2 and  7,,ii7 the need for       
emergency vouchers provided under this  
section in the geographical area1 based 
on factors determined by the ,secretary1
 including risk of transmission of      
coronavirus1 high numbers or rates of   
sheltered and unsheltered homelessness1 
and economic and housing market         
conditions2  7ii7 allocate remaining    
amounts in accordance with a formula    
that considers-- 7,i7 the criteria under
 clause 7i7 and the success of a public 
housing agency in promptly utilizing    
vouchers awarded under clause 7i72 and  
7,,ii7 the capability of the public     
housing agency to create and manage     
structured partnerships with service    
providers for the delivery of           
appropriate community-based services2   

and  7iii7 designate the number of      
vouchers under this section that each   
public housing agency that is awarded   
funds under this section is authorized  
to administer4  7,c7 ,election not to   
administer ,if a public housing agency  
elects not to administer amounts under  
this section1 the ,secretary shall award
 such amounts to other public housing   
agencies according to the criteria in   
subparagraph 7,b74  7,d7 ,failure to use
 vouchers promptly ,if a public housing 
agency fails to issue all of its        
authorized vouchers under this section  
on behalf of eligible families within a 
reasonable period of time as determined 
by the ,secretary1 the ,secretary shall 
reallocate any unissued vouchers and    
associated funds to others public       
housing agencies according to the       
criteria under subparagraph 7,b77ii74   
7#c7 ,waivers and alternative           
requirements ,any waiver or alternative 
requirement that the ,secretary makes   
available to all public housing agencies

 in connection with assistance made     
available under the heading             
,tenant-,based ,rental ,assistance in   
title ,,xii of division ,b of the       
,,cares ,act 7,public ,law #aaf-acf2    
#acd ,stat4#fja7 shall apply to         
assistance under this section until the 
expiration of such waiver or alternative
 requirement4  7#d7 ,termination of     
vouchers upon turnover  7,a7 ,in general
 ,a public housing agency may not       
reissue any vouchers made available     
under this section when assistance for  
the family initially assisted is        
terminated4  7,b7 ,reallocation ,upon   
termination of assistance for one or    
more families assisted by a public      
housing agency under this section1 the  
,secretary shall reallocate amounts that
 are no longer needed by such public    
housing agency for assistance under this
 section to another public housing      
agency for the renewal of vouchers      
previously authorized under this        
section4  ,passed the ,house of         

,representatives ,june #bi1             
#bjbj4;,clerk4