,i #aaf? ,,congress #b;d ,session ,h4 ,r4 #gcja ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,june #bd1 #bjbj,ms4 ,wat]s introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices1 & 9 addition to ! ,committee on ! ,judici>y1 = a p]iod to be subsequ5tly det]m9$ by ! ,speak]1 9 ea* case = consid]ation ( su* provisions z fall )9 ! jurisdiction ( ! committee conc]n$ ,a ,,bill ,to prev5t evictions1 =eclosures1 & unsafe h\s+ conditions result+ f ! ,,covid-#ai p&emic1 & = o!r purposes4 #a4 ,%ort title2 table ( cont5ts 7a7 ,%ort title ,?is ,act may be cit$ z ! ,em]g5cy ,h\s+ ,protections & ,relief ,act ( #bjbj4 7b7 ,table ( cont5ts ,! table ( cont5ts = ?is ,act is z foll[s3 ,sec4 #a4 ,%ort title2 table ( cont5ts4,title ,i--,protect+ ,r5t]s & ,home[n]s f ,evictions & ,foreclosures,sec4 #aja4 ,em]g5cy r5tal assi/ance4,sec4 #ajb4 ,home[n] ,assi/ance ,fund4,sec4 #ajc4 ,protect+ r5t]s & home[n]s f evictions & =eclosures4,sec4 #ajd4 ,liquidity = mortgage s]vic]s & resid5tial r5tal prop]ty own]s4,sec4 #aje4 ,rural r5tal assi/ance4,sec4 #ajf4 ,fund+ = public h\s+ & t5ant-bas$ r5tal assi/ance4,sec4 #ajg4 ,supplem5tal fund+ = supportive h\s+ = ! eld]ly1 supportive h\s+ = p]sons ) disabilities1 supportive h\s+ = p]sons ) ,,aids1 & project-bas$ section #h r5tal assi/ance4,sec4 #ajh4 ,fair ,h\s+4,sec4 #aji4 ,fund+ = h\s+ c\nsel+ s]vices4,title ,,ii--,protect+ ,p ,exp]i5c+ ,homelessness,sec4 #bja4 ,homeless assi/ance fund+4,sec4 #bjb4 ,em]g5cy r5tal assi/ance v\*] program4 ,i ,protect+ ,r5t]s & ,home[n]s f ,evictions & ,=eclosures #aja4 ,em]g5cy r5tal assi/ance 7a7 ,au?orization ( appropriations ,!re is au?oriz$ to be appropriat$ to ! ,secret>y ( ,h\s+ & ,urban ,developm5t 7ref]r$ to 9 ?is section z ! ,secret>y7 #ajj1jjj1jjj1jjj = an additional am\nt = grants "u ! ,em]g5cy ,solutions ,grants program "u subtitle ,b ( title ,,iv ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacga et seq471 to rema9 available until exp5d$ 7subject to subsections 7d7 & 7n7 ( ?is section71 to be us$ = provid+ %ort- or m$ium-t]m assi/ance ) r5t & r5t-relat$ co/s 7includ+ t5ant-paid utility co/s1 utility- & r5t-arre>s1 fees *>g$ = ^? arre>s1 & security & utility deposits7 9 accordance ) p>agraphs 7#d7 & 7#e7 ( section #dae7;a7 ( su* ,act 7#db ,u4,s4,c4 #aacgd7;a77 & ?is section4 7b7 ,def9ition ( at risk ( homelessness ,not)/&+ section #dja7a7 ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacfj7a771 = purposes ( assi/ance made available ) am\nts made available pursuant to subsection 7a71 ! t]m at risk ( homelessness means1 ) respect to an individual or family1 t ! individual or family-- 7#a7 has an income bel[ #hj p]c5t ( ! m$ian income = ! area z det]m9$ by ! ,secret>y2 & 7#b7 has an inability to atta9 or ma9ta9 h\s+ /ability or has insuffici5t res\rces to pay = r5t or utilities due to f9ancial h>d%ips4 7c7 ,income t>get+ & calculation ,= purposes ( assi/ance made available ) am\nts made available pursuant to subsection 7a7-- 7#a7 ea* recipi5t ( su* am\nts %all use-- 7,a7 n less ?an #dj p]c5t ( ! am\nts receiv$ only = provid+ assi/ance = individuals or families exp]i5c+ homelessness1 or = p]sons or families at risk ( homelessness :o h incomes n exce$+ #cj p]c5t ( ! m$ian income = ! area z det]m9$ by ! ,secret>y2 7,b7 n less ?an #gj p]c5t ( ! am\nts receiv$ only = provid+ assi/ance = individuals or families exp]i5c+ homelessness1 or = p]sons or families at risk ( homelessness :o h incomes n exce$+ #ej p]c5t ( ! m$ian income = ! area z det]m9$ by ! ,secret>y2 & 7,c7 ! rema9d] ( ! am\nts receiv$ only = provid+ assi/ance to individuals or families exp]i5c+ homelessness1 or = p]sons or families at risk ( homelessness :o h incomes n exce$+ #hj p]c5t ( ! m$ian income = ! area z det]m9$ by ! ,secret>y1 b su* recipi5t may e/abli% a high] p]c5tage limit = purposes ( subsection 7b77#a71 :i* %all n 9 any case exce$ #abj p]c5t ( ! area m$ian income1 if ! recipi5t /ates t x w s]ve su* population 9 its plan2 & 7#b7 9 det]m9+ ! income ( a h\sehold = homelessness prev5tion assi/ance-- 7,a7 ! calculation ( income p]=m$ at ! "t ( application = su* assi/ance1 includ+ arre>ages1 %all consid] only income t ! h\sehold is curr5tly receiv+ at su* "t & any income rec5tly t]m9at$ %all n be includ$2 7,b7 any calculation ( income p]=m$ ) respect to h\seholds receiv+ ongo+ assi/ance 7su* z m$ium-t]m r5tal assi/ance7 #c mon?s aft] initial receipt ( assi/ance %all consid] only ! income t ! h\sehold is receiv+ at ! "t ( su* review2 & 7,c7 ! calculation ( income p]=m$ ) respect to h\seholds receiv+ assi/ance = arre>ages %all consid] only ! income t ! h\sehold 0 receiv+ at ! "t su* arre>ages 7 incurr$4 7d7 #c-,ye> availability 7#a7 ,9 g5]al ,ea* recipi5t ( am\nts made available pursuant to subsection 7a7 %all-- 7,a7 exp5d n less ?an #fj p]c5t ( su* grant am\nts )9 #b ye>s ( ! date t su* funds became available to ! recipi5t = obligation2 & 7,b7 exp5d #ajj p]c5t ( su* grant am\nts )9 #c ye>s ( su* date4 7#b7 ,reallocation aft] #b ye>s ,! ,secret>y may recapture any am\nts n exp5d$ 9 compliance ) p>agraph 7#a77;,a7 & reallocate su* am\nts to recipi5ts 9 compliance ) ! =mula ref]r$ to 9 subsection 7h77#a77;,a74 7e7 ,r5t re/rictions 7#a7 ,inapplicability ,section #egf4ajf7;d7 ( title #bd1 ,code ( ,f$]al ,regulations1 %all n apply ) respect to homelessness prev5tion assi/ance made available ) am\nts made available "u subsection 7a74 7#b7 ,am\nt ( r5tal assi/ance ,9 provid+ homelessness prev5tion assi/ance ) am\nts made available "u subsection 7a71 ! maximum am\nt ( r5tal assi/ance t may be provid$ %all be ! great] (-- 7,a7 #abj p]c5t ( ! high] (-- 7i7 ! ,fair ,m>ket ,r5t e/abli%$ by ! ,secret>y = ! metropolitan area or c\nty2 or 7ii7 ! applicable ,small ,area ,fair ,m>ket ,r5t e/abli%$ by ! ,secret>y2 or 7,b7 su* high] am\nt z ! ,secret>y %all det]m9e is ne$$ to cov] m>ket r5ts 9 ! area4 7f7 ,subleases ,a recipi5t %all n be prohibit$ f provid+ assi/ance au?oriz$ "u subsection 7a7 ) respect to subleases t are valid "u ,/ate law4 7g7 ,h\s+ relocation or /abilization activities ,a recipi5t ( am\nts made available pursuant to subsection 7a7 may exp5d up to #be p]c5t ( its allocation = activities "u section #dae7;a77#e7 ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacgd7;a77#e771 except t not)/&+ su* section1 activities au?oriz$ "u ?is subsection may be provid$ only = individuals or families :o h incomes n exce$+ #ej p]c5t ( ! area m$ian income & meet ! crit]ia 9 subsection 7b77#b7 ( ?is section or section #ajc ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacjb74 ,?is subsection %all n apply to r5t-relat$ co/s t are specifically au?oriz$ "u subsection 7a7 ( ?is section4 7h7 ,allocation ( assi/ance 7#a7 ,9 g5]al ,9 allocat+ am\nts made available pursuant to subsection 7a71 ! ,secret>y %all-- 7,a7 7i7 = any purpose au?oriz$ 9 ?is section-- 7,i7 allocate #b p]c5t ( su* am\nt = ,indian tribes & tribally designat$ h\s+ entities 7z su* t]ms are def9$ 9 section #d ( ! ,native ,am]ican ,h\s+ ,assi/ance & ,self-,det]m9ation ,act ( #aiif 7#be ,u4,s4,c4 #dajc77 "u ! =mula e/abli%$ pursuant to section #cjb ( su* ,act 7#be ,u4,s4,c4 #daeb71 except t #j4c p]c5t ( ! am\nt allocat$ "u ?is clause %all be allocat$ = ! ,dep>tm5t ( ,hawaiian ,home ,l&s2 & 7,,ii7 allocate #j4c p]c5t ( su* am\nt = ! ,virg9 ,isl&s1 ,guam1 ,am]ican ,samoa1 & ! ,nor!rn ,m>iana ,isl&s2 7ii7 n lat] ?an #cj days aft] ! date ( enactm5t ( ?is ,act1 obligate & disburse ! am\nts allocat$ pursuant to clause 7i7 9 accordance ) su* allocations & provide su* recipi5t ) any necess>y guidance = use ( ! funds2 & 7,b7 7i7 n lat] ?an #g days aft] ! date ( enactm5t ( ?is ,act & aft] sett+ aside am\nts "u subp>agraph 7,a71 allocate #ej p]c5t ( any su* rema9+ am\nts "u ! =mula specifi$ 9 subsections 7a71 7b71 & 7e7 ( section #dad ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacgc7 =1 & notify1 ea* ,/ate1 metropolitan city1 & urban c\nty t is to receive a direct grant ( su* am\nts2 & 7ii7 n lat] ?an #cj days aft] ! date ( enactm5t ( ?is ,act1 obligate & disburse ! am\nts allocat$ pursuant to clause 7i7 9 accordance ) su* allocations & provide su* recipi5t ) any necess>y guidance = use ( ! funds2 & 7,c7 7i7 n lat] ?an #de days aft] ! date ( enactm5t ( ?is ,act1 allocate any rema9+ am\nts = eligible recipi5ts accord+ to a =mula to be develop$ by ! ,secret>y t takes into consid]ation ! =mula ref]r$ to 9 subp>agraph 7,a7 & ! ne$ = em]g5cy r5tal assi/ance "u ?is section1 includ+ ! sev]e h\s+ co/ burd5 among extremely l[- & v l[-income r5t]s & disruptions 9 h\s+ & economic conditions1 includ+ unemploym5t2 & 7ii7 n lat] ?an #cj days aft] ! date ( ! allocation ( su* am\nts pursuant to clause 7i71 obligate & disburse su* am\nts 9 accordance ) su* allocations4 7#b7 ,allocations to /ates 7,a7 ,9 g5]al ,not)/&+ subsection 7a7 ( section #dad ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacgc7;a77 & section #egf4bjb7;a7 ( title #bd1 ,code ( ,f$]al ,regulations1 a ,/ate recipi5t ( an allocation "u ?is section may elect to use up to #ajj p]c5t ( its allocation to c>ry out activities eligible "u ?is section directly4 7,b7 ,requirem5t ,any ,/ate recipi5t mak+ an election describ$ 9 subp>agraph 7,a7 %all s]ve h\seholds ?r\gh\t ! entire ,/ate1 includ+ h\seholds 9 rural communities & small t[ns4 7#c7 ,election n to adm9i/] ,if a recipi5t o!r ?an a ,/ate elects n to receive funds "u ?is section1 su* funds %all be allocat$ to ! ,/ate recipi5t 9 :i* ! recipi5t is locat$4 7#d7 ,p>tn]%ips1 subgrants1 & contracts ,a recipi5t ( a grant "u ?is section may di/ribute funds ?r\gh p>tn]%ips1 subgrants1 or contracts ) an entity1 su* z a public h\s+ ag5cy 7z su* t]m is def9$ 9 section #c7;b7 ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;a7b7771 t is capable ( c>ry+ activities "u ?is section4 7#e7 ,revision to rule ,! ,secret>y %all revise section #egf4c ( tile #bd1 ,code ( ,f$]al ,regulations1 to *ange ! set aside = allocation to ! t]ritories to exactly #j4c p]c5t4 7i7 ,inapplicability ( mat*+ requirem5t ,subsection 7a7 ( section #daf ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacge7;a77 %all n apply to any am\nts made available pursuant to subsection 7a7 ( ?is section4 7j7 ,reimbursem5t ( eligible activities ,am\nts made available pursuant to subsection 7a7 may be us$ by a recipi5t to reimburse exp5ditures incurr$ = eligible activities "u ?is section aft] ,m>* #bg1 #bjbj4 7k7 ,prohibition on pr]equisites ,none ( ! funds made available pursuant to ?is section may be us$ to require any individual receiv+ assi/ance "u ! program "u ?is section to receive treatm5t or p]=m any o!r pr]equisite activities z a condition = receiv+ %elt]1 h\s+1 or o!r s]vices4 7l7 ,waiv]s & alt]native requirem5ts 7#a7 ,9 g5]al 7,a7 ,au?ority ,9 adm9i/]+ ! am\nts made available pursuant to subsection 7a71 ! ,secret>y may waive1 or specify alt]native requirem5ts =1 any provision ( any /atute or regulation t ! ,secret>y adm9i/]s 9 connection ) ! obligation by ! ,secret>y or ! use by ! recipi5t ( su* am\nts 7except = requirem5ts relat$ to fair h\s+1 nondiscrim9ation1 labor /&>ds1 prohibition on pr]equisites1 m9imum data report+1 & ! environm5t71 if ! ,secret>y f9ds t good cause exi/s = ! waiv] or alt]native requirem5t & su* waiv] or alt]native requirem5t is necess>y to exp$ite ! use ( funds made available pursuant to ?is section1 to respond to public heal? ord]s or conditions relat$ to ! ,,covid-#ai em]g5cy1 or to ensure t eligible individuals c atta9 or ma9ta9 h\s+ /ability4 7,b7 ,public notice ,! ,secret>y %all notify ! public ?r\gh ! ,f$]al ,regi/] or o!r appropriate means ( any waiv] or alt]native requirem5t "u ?is p>agraph1 & t su* public notice %all be provid$1 at a m9imum1 on ! int]net at ! appropriate ,gov]nm5t website or ?r\gh o!r electronic m$ia1 z det]m9$ by ! ,secret>y4 7,c7 ,eligibility requirem5ts ,eligibility = r5tal assi/ance or h\s+ relocation & /abilization s]vices %all n be re/rict$ bas$ ^u ! prior receipt ( assi/ance "u ! program dur+ ! prec$+ ?ree ye>s4 7#b7 ,public he>+s 7,a7 ,inapplicability ( 9-p]son he>+ requirem5ts dur+ ! ,,covid-#ai em]g5cy 7i7 ,9 g5]al ,a recipi5t "u ?is section %all n be requir$ to hold 9-p]son public he>+s 9 connection ) its citiz5 p>ticipation plan1 b %all provide citiz5s ) notice1 includ+ publication ( its plan = c>ry+ out ?is section on ! int]net1 & a reasonable opportunity to comm5t ( n less ?an #e days4 7ii7 ,resumption ( 9-p]son he>+ requirem5ts ,aft] ! p]iod beg9n+ on ! date ( enactm5t ( ?is ,act & end+ on ! date ( ! t]m9ation by ! ,f$]al ,em]g5cy ,managem5t ,ag5cy ( ! em]g5cy decl>$ on ,m>* #ac1 #bjbj1 by ! ,presid5t "u ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 #daba et seq47 relat+ to ! ,coronavirus ,disease #bjai 7,,covid-#ai7 p&emic1 & aft] ! p]iod describ$ 9 subp>agraph 7,b71 ! ,secret>y %all direct recipi5ts "u ?is section to resume pre-crisis public he>+ requirem5ts4 7,b7 ,virtual public he>+s 7i7 ,9 g5]al ,dur+ ! p]iod t national or local heal? au?orities recomm5d social di/anc+ & limit+ public ga!r+s = public heal? reasons1 a recipi5t may fulfill applicable public he>+ requirem5ts = all grants f funds made available pursuant to ?is section by c>ry+ out virtual public he>+s4 7ii7 ,requirem5ts ,any virtual he>+s held "u clause 7i7 by a recipi5t "u ?is section %all provide reasonable notification & access = citiz5s 9 accordance ) ! recipi5t's c]tifications1 timely responses f local (ficials to all citiz5 que/ions & issues1 & public access to all que/ions & responses4 7m7 ,consultation ,9 addition to any o!r citiz5 p>ticipation & consultation requirem5ts1 9 develop+ & implem5t+ a plan to c>ry out ?is section1 ea* recipi5t ( funds made available pursuant to ?is section %all consult ) ! applicable ,cont9uum or ,cont9uums ( ,c>e = ! area s]v$ by ! recipi5t & organizations repres5t+ und]s]v$ communities & populations & organizations ) exp]tise 9 af=dable h\s+1 fair h\s+1 & s]vices = p ) disabilities4 7n7 ,adm9i/ration 7#a7 ,by ,secret>y ,( any am\nts made available pursuant to subsection 7a7-- 7,a7 n m ?an ! less] ( #j4e p]c5t1 or #ae1jjj1jjj1 may be us$ by ! ,secret>y = /aff+1 tra9+1 te*nical assi/ance1 te*nology1 monitor+1 rese>*1 & evaluation activities necess>y to c>ry out ! program c>ri$ out "u ?is section1 & su* am\nts %all rema9 available until ,septemb] #cj1 #bjbd2 & 7,b7 n m ?an #b1jjj1jjj %all be available to ! ,(fice ( ! ,inspector ,g5]al = audits & inve/igations ( ! program au?oriz$ "u ?is section4 7#b7 ,by ,recipi5ts ,not)/&+ section #egf4ajh ( title #bd ( ! ,code ( ,f$]al ,regulations1 ) respect to am\nts made available pursuant to ?is section1 a recipi5t may use up to #aj p]c5t ( ! recipi5t's grant = paym5t ( adm9i/rative co/s relat$ to ! plann+ & execution ( activities4 #ajb4 ,home[n] ,assi/ance ,fund 7a7 ,def9itions ,9 ?is section3 7#a7 ,fund ,! t]m ,fund means ! ,home[n] ,assi/ance ,fund e/abli%$ "u subsection 7b74 7#b7 ,secret>y ,! t]m ,secret>y means ! ,secret>y ( ! ,treasury4 7#c7 ,/ate ,! t]m ,/ate means any ,/ate ( ! ,unit$ ,/ates1 ! ,di/rict ( ,columbia1 any t]ritory ( ! ,unit$ ,/ates1 ,pu]to ,rico1 ,guam1 ,am]ican ,samoa1 ! ,virg9 ,isl&s1 & ! ,nor!rn ,m>iana ,isl&s4 7b7 ,e/abli%m5t ( fund ,!re is e/abli%$ at ! ,dep>tm5t ( ! ,treasury a ,home[n] ,assi/ance ,fund to provide su* funds z are made available "u subsection 7g7 to ,/ate h\s+ f9ance ag5cies = ! purpose ( prev5t+ home[n] mortgage defaults1 =eclosures1 & displacem5ts ( individuals & families exp]i5c+ f9ancial h>d%ip aft] ,janu>y #ba1 #bjbj4 7c7 ,allocation ( funds 7#a7 ,adm9i/ration ,( any am\nts made available = ! ,fund1 ! ,secret>y ( ! ,treasury may allocate1 9 ! aggregate1 an am\nt n exce$+ #e p]c5t-- 7,a7 to ! ,(fice ( ,f9ancial ,/ability e/abli%$ "u section #aja7;a7 ( ! ,em]g5cy ,economic ,/abilization ,act ( #bjjh 7#ab ,u4,s4,c4 #ebaa7;a77 to adm9i/] & ov]see ! ,fund1 & to provide te*nical assi/ance to ,/ates = ! creation & implem5tation ( ,/ate programs to adm9i/] assi/ance f ! ,fund2 & 7,b7 to ! ,inspector ,g5]al ( ! ,dep>tm5t ( ! ,treasury = ov]sight ( ! program "u ?is section4 7#b7 ,= ,/ates ,! ,secret>y %all e/abli% su* crit]ia z are necess>y to allocate ! funds available )9 ! ,fund = ea* ,/ate4 ,! ,secret>y %all allocate su* funds among all ,/ates tak+ into consid]ation ! numb] ( unemploym5t claims )9 a ,/ate relative to ! nationwide numb] ( unemploym5t claims4 7#c7 ,small /ate m9imum ,! am\nt allocat$ = ea* ,/ate %all n be less ?an #bej1jjj1jjj4 7#d7 ,set-aside = insul> areas ,not)/&+ any o!r provision ( ?is section1 ( any am\nts au?oriz$ to be appropriat$ pursuant to subsection 7g71 ! ,secret>y %all res]ve #bjj1jjj1jjj to be disburs$ to ,guam1 ,am]ican ,samoa1 ! ,virg9 ,isl&s1 & ! ,nor!rn ,m>iana ,isl&s bas$ on ea* su* t]ritory's %>e ( ! comb9$ total population ( all su* t]ritories1 z det]m9$ by ! ,secret>y4 ,= ! purposes ( ?is p>agraph1 population %all be det]m9$ bas$ on ! mo/ rec5t ye> = :i* data are available f ! ,unit$ ,/ates ,c5sus ,bureau4 7#e7 ,set-aside = ,indian tribes & ,native ,hawaiians -- 7,a7 ,indian tribes ,not)/&+ any o!r provision ( ?is section1 ( any am\nts au?oriz$ to be appropriat$ pursuant to subsection 7g71 ! ,secret>y %all use #e p]c5t to make grants 9 accordance ) subsection 7f7 to eligible recipi5ts = ! purposes describ$ 9 subsection 7e77#a74 7,b7 ,native ,hawaiians ,( ! funds set aside "u subp>agraph 7,a71 ! ,secret>y %all use #j4c p]c5t to make grants to ! ,dep>tm5t ( ,hawaiian ,home ,l&s 9 accordance ) subsection 7f7 = ! purposes describ$ 9 subsection 7e77#a74 7d7 ,disbursem5t ( funds 7#a7 ,adm9i/ration ,except = am\nts made available = assi/ance "u subsection 7f71 ,/ate h\s+ f9ance ag5cies %all be prim>ily responsible = adm9i/]+ am\nts disburs$ f ! ,fund1 b may delegate responsibilities & sub-allocate am\nts to community developm5t f9ancial in/itutions & ,/ate ag5cies t adm9i/] ,l[-,income ,home ,en]gy ,assi/ance ,program ( ! ,dep>tm5t ( ,heal? & ,human ,s]vices4 7#b7 ,notice ( fund+ ,! ,secret>y %all provide public notice ( ! am\nts t w be made available to ea* ,/ate & ! me?od us$ = det]m9+ su* am\nts n lat] ?an ! expiration ( ! #ad-;day p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act ( enactm5t4 7#c7 ,,%fa plans 7,a7 ,eligibility ,to be eligible to receive fund+ allocat$ = a ,/ate "u ! section1 a ,/ate h\s+ f9ance ag5cy = ! ,/ate %all submit to ! ,secret>y a plan = ! implem5tation ( ,/ate programs to adm9i/]1 9 "p or 9 full1 ! am\nt ( fund+ ! /ate is eligible to receive1 :i* %all provide = ! comm5cem5t ( receipt ( applications by home[n]s = assi/ance1 & fund+ ( su* applications1 n lat] ?an ! expiration ( ! #f-mon? p]iod beg9n+ ^u ! approval "u ?is p>agraph ( su* plan4 7,b7 ,multiple plans 4 ,a ,/ate h\s+ f9ance ag5cy may submit multiple plans1 ea* cov]+ a sep>ate portion ( fund+ = :i* ! ,/ate is eligible4 7,c7 ,tim+ ,! ,secret>y %all approve or disapprove a plan )9 #cj days aft] ! plan's submission &1 if disapprov$1 expla9 :y ! plan c\ld n be approv$4 7,d7 ,disbursem5t ^u approval ,! ,secret>y %all disburse to a ,/ate h\s+ f9ance ag5cy ! appropriate am\nt ( fund+ ^u approval ( ! ag5cy's plan4 7,e7 ,am5dm5ts ,a ,/ate h\s+ f9ance ag5cy may subsequ5tly am5d a plan t has previ\sly be5 approv$1 provid$ t any plan am5dm5t %all be subject to ! approval ( ! ,secret>y4 ,! ,secret>y %all approve any plan am5dm5t or disapprove su* am5dm5t expla9 :y ! plan am5dm5t c\ld n be approv$ )9 #de days aft] submission to ! ,secret>y ( su* am5dm5t4 7,f7 ,te*nical assi/ance ,! ,secret>y %all provide te*nical assi/ance = any ,/ate h\s+ f9ance ag5cy t twice fails to h a submitt$ plan approv$4 7#d7 ,plan ,templates ,! ,secret>y %all1 n lat] ?an #cj days aft] ! date ( ! enactm5t ( ?is ,act1 publi% templates t ,/ates may utilize 9 draft+ ! plans requir$ "u p>agraph 7#c77;,a74 ,! template plans %all include /&>d program t]ms & requirem5ts1 z well z any requir$ legal language1 :i* ,/ate h\s+ f9ance ag5cies may modify ) ! cons5t ( ! ,secret>y4 7e7 ,p]missible uses ( fund 7#a7 ,9 g5]al ,funds made available to ,/ate h\s+ f9ance ag5cies pursuant to ?is section may be us$ = ! purposes e/abli%$ "u subsection 7b71 :i* may include-- 7,a7 mortgage paym5t assi/ance1 includ+ f9ancial assi/ance to all[ a borr[] to re9/ate _! mortgage or to a*ieve a m af=dable mortgage paym5t1 :i* may include pr9cipal r$uction or rate r$uction1 provid$ t any mortgage paym5t assi/ance is tailor$ to a borr[]'s ne$s & _! ability to repay1 & takes into consid]ation ! loss mitigation options available to ! borr[]2 7,b7 assi/ance ) paym5t ( taxes1 haz>d insurance1 flood insurance1 mortgage insurance1 or home[n]s' association fees2 7,c7 utility paym5t assi/ance1 includ+ electric1 gas1 wat]1 & int]net s]vice1 includ+ broadb& int]net access s]vice 7z su* t]m is def9$ 9 section #h4a7;b7 ( title #dg1 ,code ( ,f$]al ,regulations 7or any successor regulation772 7,d7 reimbursem5t ( funds exp5d$ by a ,/ate or local gov]nm5t dur+ ! p]iod beg9n+ on ,janu>y #ba1 #bjbj1 & end+ on ! date t ! fir/ funds are disburs$ by ! ,/ate "u ! ,fund1 = ! purpose ( provid+ h\s+ or utility assi/ance to individuals or o!rwise provid+ funds to prev5t =eclosure or eviction ( a home[n] or prev5t mortgage del9qu5cy or loss ( h\s+ or critical utilities z a response to ! coronavirus disease #bjai 7,,covid-#ai7 p&emic2 & 7,e7 any o!r assi/ance = home[n]s to prev5t eviction1 mortgage del9qu5cy or default1 =eclosure1 or ! loss ( ess5tial utility s]vices4 7#b7 ,t>get+ 7,a7 ,requirem5t ,n less ?an #fj p]c5t ( am\nts made available = ea* ,/ate or o!r entity allocat$ am\nts "u subsection 7c7 %all be us$ = activities "u p>agraph 7#a7 t assi/ home[n]s hav+ incomes equal to or less ?an #hj p]c5t ( ! area m$ian income4 7,b7 ,det]m9ation ( income ,9 det]m9+ ! income ( a h\sehold = purposes ( ?is p>agraph1 income %all be consid]$ to include only income t ! h\sehold is receiv+ at ! "t ( application = assi/ance f ! ,fund & any income rec5tly t]m9at$ %all n be includ$1 except t = purposes ( h\seholds receiv+ assi/ance = arre>ages income %all include only ! income t ! h\sehold 0 receiv+ at ! "t su* arre>ages 7 incurr$4 7,c7 ,language assi/ance ,ea* ,/ate h\s+ f9ance ag5cy or o!r entity allocat$ am\nts "u subsection 7c7 %all make available to ea* applicant = assi/ance f am\nts f ! ,fund language assi/ance 9 any language t su* language assi/ance is available 9 & %all provide notice to ea* su* applicant t su* language assi/ance is available4 7#c7 ,adm9i/rative exp5ses ,n m ?an #ae p]c5t ( ! am\nt allocat$ to a ,/ate pursuant to subsection 7c7 may be us$ by a ,/ate h\s+ f9anc+ ag5cy = adm9i/rative exp5ses4 ,any am\nts allocat$ to adm9i/rative exp5ses t are no long] necess>y = adm9i/rative exp5ses may be us$ 9 accordance ) p>agraph 7#a74 7f7 ,tribal & ,native ,hawaiian assi/ance 7#a7 ,def9itions ,9 ?is subsection3 7,a7 ,dep>tm5t ( ,hawaiian home l&s ,! t]m ,dep>tm5t ( ,hawaiian ,home ,l&s has ! mean+ giv5 ! t]m 9 section #hja ( ! ,native ,am]ican ,h\s+ ,assi/ance & ,self-,det]m9ation ,act ( #aiif 7#db ,u4,s4,c4 #dbba74 7,b7 ,eligible recipi5t ,! t]m eligible recipi5t means any entity eligible to receive a grant "u section #aja ( ! ,native ,am]ican ,h\s+ ,assi/ance & ,self-,det]m9ation ,act ( #aiif 7#be ,u4,s4,c4 #daaa74 7#b7 ,requirem5ts 7,a7 ,allocation ,except = ! funds set aside "u subsection 7c77#e77;,b71 ! ,secret>y %all allocate ! funds set aside "u subsection 7c77#e77;,a7 us+ ! allocation =mula describ$ 9 subp>t ,d ( "p #ajjj ( title #bd1 ,code ( ,f$]al ,regulations 7or any successor regulations74 7,b7 ,native ,hawaiians ,! ,secret>y %all use ! funds made available "u subsection 7c77#e77;,b7 9 accordance ) "p #ajjf ( title #bd1 ,code ( ,f$]al ,regulations 7or successor regulations74 7#c7 ,transf] ,! ,secret>y %all transf] any funds made available "u subsection 7c77#e7 t h n be5 allocat$ by an eligible recipi5t or ! ,dep>tm5t ( ,hawaiian ,home ,l&s1 z applicable1 to provide ! assi/ance describ$ 9 subsection 7e77#a7 by ,decemb] #ca1 #bjcj1 to ! ,secret>y ( ,h\s+ & ,urban ,developm5t to c>ry out ! ,native ,am]ican ,h\s+ ,assi/ance & ,self-,det]m9ation ,act ( #aiif 7#be ,u4,s4,c4 #daja et seq474 7g7 ,fund+ ,!re is au?oriz$ to be appropriat$ to ! ,home[n] ,assi/ance ,fund e/abli%$ "u subsection 7b7 #ge1jjj1jjj1jjj1 to rema9 available until exp5d$ or transf]r$ or cr$it$ "u subsection 7i74 7h7 ,use ( h\s+ f9ance ag5cy innovation fund = ! h>de/ hit h\s+ m>kets funds ,a ,/ate h\s+ f9ance ag5cy may reallocate any adm9i/rative or programmatic funds x has receiv$ z an allocation f ! ,h\s+ ,f9ance ,ag5cy ,innovation ,fund = ! ,h>de/ ,hit ,h\s+ ,m>kets creat$ pursuant to section #aja7;a7 ( ! ,em]g5cy ,economic ,/abilization ,act ( #bjjh 7#ab ,u4,s4,c4 #ebaa7;a77 t h n be5 o!rwise allocat$ or disburs$ z ( ! date ( enactm5t ( ?is ,act to supplem5t any adm9i/rative or programmatic funds receiv$ f ! ,h\s+ ,assi/ance ,fund4 ,su* reallocat$ funds %all n be consid]$ :5 allocat+ res\rces f ! ,h\s+ ,assi/ance ,fund us+ ! process e/abli%$ "u subsection 7c7 & %all rema9 available = ! uses p]mitt$ & "u ! t]ms & conditions e/abli%$ by ! contract ) ,secret>y creat$ pursuant to subsection 7d77#a7 & ! t]ms ( subsection 7i74 7i7 ,report+ requirem5ts ,! ,secret>y %all provide public reports n less frequ5tly ?an qu>t]ly reg>d+ ! use ( funds provid$ by ! ,home[n] ,assi/ance ,fund4 ,su* reports %all include ! foll[+ data by ,/ate & by program )9 ea* ,/ate1 bo? = ! pa/ qu>t] & ?r\gh\t ! life ( ! program-- 7#a7 ! am\nt ( funds allocat$2 7#b7 ! am\nt ( funds disburs$2 7#c7 ! numb] ( h\seholds & individuals assi/$2 7#d7 ! acceptance rate ( applicants2 7#e7 ! type or types ( assi/ance provid$ to ea* h\sehold2 7#f7 :e!r ! h\sehold assi/$ _h a f$]ally back$ loan & id5tification ( ! ,f$]al entity back+ su* loan2 7#g7 ! av]age am\nt ( fund+ provid$ p] h\sehold receiv+ assi/ance & p] type ( assi/ance provid$2 7#h7 ! av]age numb] ( mon?ly paym5ts t 7 cov]$ by ! fund+ am\nt t a h\sehold receiv$1 z applicable1 disaggregat$ by type ( assi/ance provid$2 7#i7 ! income level ( ea* h\sehold receiv+ assi/ance2 & 7#aj7 ! outcome #ab mon?s aft] ! h\sehold has receiv$ assi/ance4 ,ea* report "u ?is subsection %all disaggregate ! in=mation provid$ "u p>agraphs 7#c7 ?r\gh 7#aj7 by ,/ate1 zip code1 racial & e?nic composition ( ! h\sehold1 & :e!r or n ! p]son f ! h\sehold apply+ = assi/ance speaks ,engli% z a second language4 #ajc4 ,protect+ r5t]s & home[n]s f evictions & =eclosures 7a7 ,eviction moratorium ,! ,,c>es ,act is am5d$ by /rik+ section #djbd 7#ae ,u4,s4,c4 #ijeh2 ,public ,law #aaf-acf2 #acd ,/at4 #dib7 & ins]t+ ! foll[+ new section3 #djbd4 ,tempor>y moratorium on eviction fil+s 7a7 ,congressional f9d+s ,! ,congress f9ds t-- 7#a7 accord+ to ! #bjah ,am]ican ,community ,survey1 #cf p]c5t ( h\seholds 9 ! ,unit$ ,/ates--m ?an #dc million h\seholds--are r5t]s2 7#b7 9 #bjai alone1 r5t]s 9 ! ,unit$ ,/ates paid #eab billion 9 r5t2 7#c7 accord+ to ! ,jo9t ,c5t] = ,h\s+ ,/udies ( ,h>v>d ,univ]sity1 #bj4h million r5t]s 9 ! ,unit$ ,/ates sp5t m ?an #cj p]c5t ( _! incomes on h\s+ 9 #bjah & #aj4i million r5t]s sp5t m ?an #ej p]c5t ( _! incomes on h\s+ 9 ! same ye>2 7#d7 accord+ to data f ! ,dep>tm5t ( ,labor1 m ?an #cj million p h fil$ = unemploym5t s9ce ! ,,covid-#ai p&emic began2 7#e7 ! impacts ( ! spread ( ,,covid-#ai1 :i* is n[ consid]$ a global p&emic1 are expect$ to negatively impact ! incomes ( pot5tially millions ( r5t] h\seholds1 mak+ x difficult = !m to pay _! r5t on "t2 & 7#f7 evictions 9 ! curr5t environm5t w\ld increase homelessness & h\s+ in/ability :i* w\ld be c\nt]productive t[>ds ! public heal? goals ( keep+ individuals 9 _! homes to ! greate/ ext5t possible4 7b7 ,moratorium ,dur+ ! p]iod beg9n+ on ! date ( ! enactm5t ( ?is ,act & end+ #ab mon?s aft] su* date ( enactm5t1 ! lessor ( a cov]$ dwell+ locat$ 9 su* ,/ate may n make1 or cause to be made1 any fil+ ) ! c\rt ( jurisdiction to initiate a legal action to recov] possession ( ! cov]$ dwell+ f ! t5ant = nonpaym5t ( r5t or o!r fees or *>ges4 7c7 ,def9itions ,= purposes ( ?is section1 ! foll[+ def9itions %all apply3 7#a7 ,cov]$ dwell+ ,! t]m cov]$ dwell+ means a dwell+ t is occupi$ by a t5ant-- 7,a7 pursuant to a resid5tial lease2 or 7,b7 )\t a lease or ) a lease t]m9able at w "u ,/ate law4 7#b7 ,dwell+ ,! t]m dwell+ has ! mean+ giv5 su* t]m 9 section #hjb ( ! ,fair ,h\s+ ,act 7#db ,u4,s4,c4 #cfjb7 & includes h\ses & dwell+s describ$ 9 section #hjc7;b7 ( su* ,act 7#db ,u4,s4,c4 #cfjc7;b774 7d7 ,notice ,to vacate aft] moratorium expiration date ,aft] ! expiration ( ! p]iod describ$ 9 subsection 7b71 ! lessor ( a cov]$ dwell+ may n require ! t5ant to vacate ! cov]$ dwell+ by reason ( nonpaym5t ( r5t or o!r fees or *>ges be=e ! expiration ( ! #cj-;day p]iod t beg9s ^u ! provision by ! lessor to ! t5ant1 aft] ! expiration ( ! p]iod describ$ 9 subsection 7b71 ( a notice to vacate ! cov]$ dwell+4 4 7b7 ,mortgage relief 7#a7 ,=be>ance & =eclosure moratorium = cov]$ mortgage loans ,section #djbb ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijef7 is am5d$-- 7,a7 by /rik+ ,f$]ally back$ mortgage loan ea* place su* t]m appe>s & ins]t+ cov]$ mortgage loan2 & 7,b7 9 subsection 7a7-- 7i7 by am5d+ p>agraph 7#b7 to read z foll[s3 7#b7 ,cov]$ mortgage loan ,! t]m cov]$ mortgage loan means any cr$it transaction t is secur$ by a mortgage1 de$ ( tru/1 or o!r equival5t cons5sual security int]e/ on a #a- to #d-unit dwell+ or on resid5tial real prop]ty t includes a #a- to #d-unit dwell+1 except t x %all n include a cr$it transaction "u an op5 end cr$it plan o!r ?an a rev]se mortgage4 2 & 7ii7 by add+ at ! end ! foll[+3 7#c7 ,cov]$ p]iod ,) respect to a loan1 ! t]m cov]$ p]iod means ! p]iod beg9n+ on ! date ( enactm5t ( ?is ,act & end+ #ab mon?s aft] su* date ( enactm5t4 4 7#b7 ,automatic =be>ance = del9qu5t borr[]s ,section #djbb7;c7 ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijef7;c771 z am5d$ by p>agraph 7#e7 ( ?is subsection1 is fur!r am5d$ by add+ at ! end ! foll[+3 7#i7 ,automatic =be>ance = del9qu5t borr[]s 7,a7 ,9 g5]al ,not)/&+ any o!r law gov]n+ =be>ance relief-- 7i7 any borr[] ^: cov]$ mortgage loan became #fj days del9qu5t betwe5 ,m>* #ac1 #bjbj1 & ! date ( enactm5t ( ?is p>agraph1 & :o has n already receiv$ a =be>ance "u subsection 7b71 %all automatically be grant$ a #fj-;day =be>ance t beg9s on ! date ( enactm5t ( ?is p>agraph1 provid$ t a borr[] %all n be consid]$ del9qu5t = purposes ( ?is p>agraph :ile mak+ timely paym5ts or o!rwise p]=m+ "u a trial modification or o!r loss mitigation agreem5t2 & 7ii7 any borr[] ^: cov]$ mortgage loan becomes #fj days del9qu5t betwe5 ! date ( enactm5t ( ?is p>agraph & ! end ( ! cov]$ p]iod1 & :o has n already receiv$ a =be>ance "u subsection 7b71 %all automatically be grant$ a #fj-;day =be>ance t beg9s on ! #fj? day ( del9qu5cy1 provid$ t a borr[] %all n be consid]$ del9qu5t = purposes ( ?is p>agraph :ile mak+ timely paym5ts or o!rwise p]=m+ "u a trial modification or o!r loss mitigation agreem5t4 7,b7 ,initial ext5sion ,an automatic =be>ance provid$ "u subp>agraph 7,a7 %all be ext5d$ = up to an additional #abj days ^u ! borr[]'s reque/1 oral or writt51 submitt$ to ! borr[]'s s]vic] affirm+ t ! borr[] is exp]i5c+ a f9ancial h>d%ip t prev5ts ! borr[] f mak+ timely paym5ts on ! cov]$ mortgage loan due1 directly or indirectly1 to ! ,,covid-#ai em]g5cy4 7,c7 ,subsequ5t ext5sion ,a =be>ance ext5d$ "u subp>agraph 7,b7 %all be ext5d$ = up to an additional #ahj days1 up to a maximum ( #cfj days 7includ+ ! p]iod ( automatic =be>ance71 ^u ! borr[]'s reque/1 oral or writt51 submitt$ to ! borr[]'s s]vic] affirm+ t ! borr[] is exp]i5c+ a f9ancial h>d%ip t prev5ts ! borr[] f mak+ timely paym5ts on ! cov]$ mortgage loan due1 directly or indirectly1 to ! ,,covid-#ai em]g5cy4 7,d7 ,"r to elect to cont9ue mak+ paym5ts ,) respect to a =be>ance provid$ "u ?is p>agraph1 ! borr[] ( su* loan may elect to cont9ue mak+ regul> paym5ts on ! loan4 ,a borr[] :o makes su* election %all be (f]$ a loss mitigation option pursuant to subsection 7d7 )9 #cj days ( resum+ regul> paym5ts to address any paym5t defici5cy dur+ ! =be>ance4 7,e7 ,"r to %ort5 =be>ance ,at a borr[]'s reque/1 any p]iod ( =be>ance provid$ "u ?is p>agraph may be %ort5$4 ,a borr[] :o makes su* a reque/ %all be (f]$ a loss mitigation option pursuant to subsection 7d7 )9 #cj days ( resum+ regul> paym5ts to address any paym5t defici5cy dur+ ! =be>ance4 7#aj7 ,automatic =be>ance = c]ta9 rev]se mortgage loans 7,a7 ,9 g5]al ,:5 any cov]$ mortgage loan :i* is also a f$]ally-insur$ rev]se mortgage loan1 dur+ ! cov]$ p]iod1 is due & payable due to ! dea? ( ! la/ borr[] or end ( a def]ral p]iod or eligible to be call$ due & payable due to a prop]ty *>ge default1 or if ! borr[] defaults on a prop]ty *>ge repaym5t plan1 or if ! borr[] defaults = failure to complete prop]ty repairs1 or if an obligation ( ! borr[] "u ! ,security ,in/rum5t is n p]=m$1 ! mortgagee automatically %all be grant$ a six-mon? ext5sion (-- 7i7 ! mortgagee's deadl9e to reque/ due & payable /atus f ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t2 7ii7 ! mortgage's deadl9e to s5d notification to ! mortgagor or 8 or h] heirs t ! loan is due & payable2 7iii7 ! deadl9e to initiate =eclosure2 7iv7 any reasonable dilig5ce p]iod relat$ to =eclosure or ! ,mortgagee ,optional ,election2 7v7 if applicable1 ! deadl9e to obta9 ! due & payable appraisal2 & 7vi7 any claim submission deadl9e1 includ+ ! #f-mon? acquir$ prop]ty m>ket+ p]iod4 7,b7 ,=be>ance p]iod ,! mortgagee %all n reque/ due & payable /atus f ! ,secret>y ( ,h\s+ & ,urban ,developm5t nor initiate =eclosure dur+ ?is six-mon? p]iod describ$ "u subp>agraph 7,a71 :i* %all be consid]$ a =be>ance p]iod4 7,c7 ,ext5sion ,a =be>ance provid$ "u subp>agraph 7,b7 & relat$ deadl9e ext5sion au?oriz$ "u subp>agraph 7,a7 %all be ext5d$ = an additional #ahj days ^u-- 7i7 ! borr[]'s reque/1 oral or writt51 submitt$ to ! borr[]'s s]vic] affirm+ t ! borr[] is exp]i5c+ a f9ancial h>d%ip t prev5ts ! borr[] f mak+ paym5ts on prop]ty *>ges1 complet+ prop]ty repairs1 or p]=m+ an obligation ( ! borr[] "u ! ,security ,in/rum5t due1 directly or indirectly1 to ! ,,covid-#ai em]g5cy2 7ii7 a non-borr[+ sp\se's reque/1 oral or writt51 submitt$ to ! s]vic] affirm+ t ! non-borr[+ sp\se has be5 unable to satisfy all crit]ia = ! ,mortgagee ,optional ,election program due1 directly or indirectly1 to ! ,,covid-#ai em]g5cy1 or to p]=m all actions necess>y to become an eligible non-borr[+ sp\se foll[+ ! dea? ( all borr[]s2 or 7iii7 a successor-9-int]e/ ( ! borr[]'s reque/1 oral or writt51 submitt$ to ! s]vic] affirm+ ! heir's difficulty satisfy+ ! rev]se mortgage loan due1 directly or indirectly1 to ! ,,covid-#ai em]g5cy4 7,d7 ,curtailm5t ( deb5ture int]e/ ,:]e any cov]$ mortgage loan :i* is also a f$]ally insur$ rev]se mortgage loan is 9 default dur+ ! cov]$ p]iod & subject to a prior ev5t :i* provides = curtailm5t ( deb5ture int]e/ 9 connection ) a claim = insurance b5efits1 ! curtailm5t ( deb5ture int]e/ %all be susp5d$ dur+ any =be>ance p]iod provid$ h]e94 4 7#c7 ,additional ,=eclosure & repossession protections ,section #djbb7;c7 ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijef7;c77 is am5d$-- 7,a7 9 p>agraph 7#b71 by /rik+ may n initiate any judicial or non-judicial =eclosure process1 move = a =eclosure judgm5t or ord] ( sale1 or execute a =eclosure-relat$ eviction or =eclosure sale = n less ?an ! #fj-;day p]iod beg9n+ on ,m>* #ah1 #bjbj & ins]t+ may n initiate or proce$ ) any judicial or non-judicial =eclosure process1 s*$ule a =eclosure sale1 move = a =eclosure judgm5t or ord] ( sale1 execute a =eclosure relat$ eviction or =eclosure sale = six mon?s aft] ! date ( enactm5t ( ! ,em]g5cy ,h\s+ ,protections & ,relief ,act ( #bjbj2 & 7,b7 by add+ at ! end ! foll[+3 7#c7 ,repossession moratorium ,9 ! case ( p]sonal prop]ty1 includ+ any recreational or motor vehicle1 us$ z a dwell+1 no p]son may use any judicial or non-judicial proc$ure to repossess or o!rwise take possession ( su* prop]ty = six mon?s aft] date ( enactm5t ( ?is p>agraph4 4 7#d7 ,mortgage =be>ance re=ms ,section #djbb ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijef7 is am5d$-- 7,a7 9 subsection 7b71 by /rik+ p>agraphs 7#a71 7#b71 & 7#c7 & ins]t+ ! foll[+3 7#a7 ,9 g5]al ,dur+ ! cov]$ p]iod1 a borr[] ) a cov]$ mortgage loan :o has n obta9$ automatic =be>ance pursuant to ?is section & :o is exp]i5c+ a f9ancial h>d%ip t prev5ts ! borr[] f mak+ timely paym5ts on ! cov]$ mortgage loan due1 directly or indirectly1 to ! ,,covid-#ai em]g5cy may reque/ =be>ance on ! loan1 reg>dless ( del9qu5cy /atus1 by-- 7,a7 submitt+ a reque/1 orally or 9 writ+1 to ! s]vic] ( ! loan2 & 7,b7 affirm+ t ! borr[] is exp]i5c+ a f9ancial h>d%ip t prev5ts ! borr[] f mak+ timely paym5ts on ! cov]$ mortgage loan due1 directly or indirectly1 to ! ,,covid-#ai em]g5cy4 7#b7 ,duration ( =be>ance 7,a7 ,9 g5]al ,^u a reque/ by a borr[] to a s]vic] = =be>ance "u p>agraph 7#a71 su* =be>ance %all be grant$ by ! s]vic] = ! p]iod reque/$ by ! borr[]1 up to an initial l5g? ( #ahj days1 ! l5g? ( :i* %all be ext5d$ by ! s]vic]1 at ! reque/ ( ! borr[] = ! p]iod or p]iods reque/$1 = a total =be>ance p]iod ( up to #ab-mon?s4 7,b7 ,m9imum =be>ance am\nts ,= purposes ( grant+ a =be>ance "u ?is p>agraph1 a s]vic] may grant an initial =be>ance ) a t]m ( n less ?an #ij days1 provid$ t x is automatically ext5d$ = an additional #ij days unless ! s]vic] confirms ! borr[] does n want to r5ew ! =be>ance or t ! borr[] is no long] exp]i5c+ a f9ancial h>d%ip t prev5ts ! borr[] f mak+ timely mortgage paym5ts due1 directly or indirectly1 to ! ,,covid-#ai em]g5cy4 7,c7 ,"r to %ort5 =be>ance ,at a borr[]'s reque/1 any p]iod ( =be>ance describ$ "u ?is p>agraph may be %ort5$4 ,a borr[] :o makes su* a reque/ %all be (f]$ a loss mitigation option pursuant to subsection 7d7 )9 #cj days ( resum+ regul> paym5ts to address any paym5t defici5cy dur+ ! =be>ance4 7#c7 ,accrual ( int]e/ or fees ,a s]vic] %all n *>ge a borr[] any fees1 p5alties1 or int]e/ 7beyond ! am\nts s*$ul$ or calculat$ z if ! borr[] made all contractual paym5ts on "t & 9 full "u ! t]ms ( ! mortgage contract7 9 connection ) a =be>ance1 provid$ t a s]vic] may (f] ! borr[] a modification option at ! end ( a =be>ance p]iod grant$ h]eund] t includes ! capitalization ( pa/ due pr9cipal & int]e/ & escr[ paym5ts z long z ! borr[]'s pr9cipal & int]e/ paym5t "u su* modification rema9s at or bel[ ! contractual pr9cipal & int]e/ paym5ts ow$ "u ! t]ms ( ! mortgage contract be=e su* =be>ance p]iod except z ! result ( a *ange 9 ! index ( an adju/able rate mortgage4 7#d7 ,communication ) s]vic]s ,any communication betwe5 a borr[] & a s]vic] describ$ "u ?is section may be made 9 writ+ or orally1 at ! borr[]'s *oice4 7#e7 ,communication ) borr[]s ) a disability ,^u reque/ f a borr[]1 s]vic]s %all communicate ) borr[]s :o h a disability 9 ! borr[]'s pref]r$ me?od ( communication4 ,= purposes ( ?is p>agraph1 ! t]m disability has ! mean+ giv5 t t]m 9 ! ,fair ,h\s+ ,act1 ! ,am]icans ) ,disabilities ,act ( #aiij1 or ! ,rehabilitation ,act ( #aigc4 2 & 7,b7 9 subsection 7c71 by am5d+ p>agraph 7#a7 to read z foll[s3 7#a7 ,no docum5tation requir$ ,a s]vic] ( a cov]$ mortgage loan %all n require any docum5tation ) respect to a =be>ance "u ?is section o!r ?an ! borr[]'s affirmation 7oral or writt57 to a f9ancial h>d%ip t prev5ts ! borr[] f mak+ timely paym5ts on ! cov]$ mortgage loan due1 directly or indirectly1 to ! ,,covid-#ai em]g5cy4 ,an oral reque/ = =be>ance & oral affirmation ( h>d%ip by ! borr[] %all be suffici5t = ! borr[] to obta9 or ext5d a =be>ance4 4 7#e7 ,o!r s]vic] requirem5ts dur+ =be>ance ,section #djbb7;c7 ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijef7;c771 z am5d$ by p>agraph 7#c7 ( ?is subsection1 is fur!r am5d$ by add+ at ! end ! foll[+3 7#d7 ,=be>ance t]ms notice ,)9 #cj days ( a s]vic] ( a cov]$ mortgage loan provid+ =be>ance to a borr[] "u subsection 7b7 or p>agraph 7#i7 or 7#aj71 or #aj days if ! =be>ance is = a t]m ( less ?an #fj days1 b only :]e ! =be>ance 0 provid$ 9 response to a borr[]'s reque/ = =be>ance or :5 an automatic =be>ance 0 initially provid$ "u p>agraph 7#i7 or 7#aj71 & n :5 an exi/+ =be>ance is automatically ext5d$1 ! s]vic] %all provide ! borr[] ) a notice 9 accordance ) ! t]ms 9 p>agraph 7#e74 7#e7 ,cont5ts ( notice ,! writt5 notice requir$ "u p>agraph 7#d7 %all /ate 9 pla9 language-- 7,a7 ! specific t]ms ( ! =be>ance2 7,b7 ! beg9n+ & end+ dates ( ! =be>ance2 7,c7 t ! borr[] is eligible = up to #ab mon?s ( =be>ance2 7,d7 t ! borr[] may reque/ an ext5sion ( ! =be>ance unless ! borr[] w h rea*$ ! maximum p]iod at ! end ( ! =be>ance2 7,e7 t ! borr[] may reque/ t ! initial or ext5d$ p]iod be %ort5$ at any "t2 7,f7 t ! borr[] %\ld contact ! s]vic] be=e ! end ( ! =be>ance p]iod2 7,g7 a description ( ! loss mitigation options t may be available to ! borr[] at ! end ( ! =be>ance p]iod bas$ on ! borr[]'s specific loan2 7,h7 in=mation on h[ to f9d a h\s+ c\nsel+ ag5cy approv$ by ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t2 7,i7 9 ! case ( a =be>ance provid$ pursuant to p>agraph 7#i7 or 7#aj71 t ! =be>ance 0 automatically provid$ & h[ to contact ! s]vic] to make arrangem5ts = fur!r assi/ance1 includ+ any r5ewal2 & 7,j7 :]e applicable1 t ! =be>ance is subject to an automatic ext5sion includ+ ! t]ms ( any su* automatic ext5sions & :5 any fur!r ext5sion w\ld require a borr[] reque/4 7#f7 ,treatm5t ( escr[ acc\nts ,dur+ any =be>ance provid$ "u ?is section1 a s]vic] %all pay or advance funds to make disbursem5ts 9 a timely mann] f any escr[ acc\nt e/abli%$ on ! cov]$ mortgage loan4 7#g7 ,notification = borr[]s ,dur+ ! p]iod t beg9s #ij days aft] ! date ( ! enactm5t ( ?is p>agraph & ends at ! end ( ! cov]$ p]iod1 ea* s]vic] ( a cov]$ mortgage loan %all be requir$ to-- 7,a7 make available 9 a cle> & conspicu\s mann] on _! webpage accurate in=mation1 9 ,engli% & ,spani%1 = borr[]s reg>d+ ! availability ( =be>ance z provid$ "u subsection 7b72 & 7,b7 notify e borr[] ^: paym5ts on a cov]$ mortgage loan are del9qu5t 9 any oral communication ) or to ! borr[] t ! borr[] may be eligible to reque/ =be>ance z provid$ "u subsection 7b71 except t su* notice %all n be requir$ if ! borr[] already has reque/$ =be>ance "u subsection 7b74 7#h7 ,c]ta9 treatm5t "u ,,respa ,z long z a borr[]'s paym5t on a cov]$ mortgage loan 0 n m ?an #cj days del9qu5t on ,m>* #ac1 #bjbj1 a s]vic] may n deem ! borr[] z del9qu5t :ile a =be>ance grant$ "u subsection 7b7 is 9 effect = purposes ( ! application ( sections #f & #aj ( ! ,real ,e/ate ,settlem5t ,proc$ures ,act & any applicable regulations4 4 7#f7 ,po/-=be>ance loss mitigation 7,a7 ,am5dm5t to ,,c>es ,act ,section #djbb ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijef7 is am5d$ by add+ at ! end ! foll[+3 7d7 ,po/-,=be>ance loss mitigation 7#a7 ,notice ( availability ( additional =be>ance ,) respect to any cov]$ mortgage loan z to :i* =be>ance "u ?is section has be5 grant$ & n o!rwise ext5d$1 includ+ by automatic ext5sion1 a s]vic] %all1 no lat] ?an #cj days be=e ! end ( ! =be>ance p]iod1 9 writ+1 notify ! borr[] t additional =be>ance may be available & h[ to reque/ su* =be>ance1 except t no su* notice is requir$ :]e ! borr[] already has reque/$ an ext5sion ( ! =be>ance p]iod1 is subject to automatic ext5sion pursuant to subsection 7b77#b77;,b71 or no additional =be>ance is available4 7#b7 ,loss mitigation (f] be=e expiration ( =be>ance ,no lat] ?an #cj days be=e ! end ( any =be>ance p]iod t has n be5 ext5d$ or #cj days aft] a reque/ by a consum] to t]m9ate ! =be>ance1 :i* "t %all be be=e ! s]vic] initiates or engages 9 any =eclosure activity li/$ 9 subsection 7c77#b71 includ+ incurr+ or *>g+ to a borr[] any fees or corporate advances relat$ to a =eclosure1 ! s]vic] %all1 9 writ+-- 7,a7 (f] ! borr[] a loss mitigation option1 )\t ! *>g+ ( any fees or p5alties o!r ?an int]e/1 su* t ! borr[]'s pr9cipal & int]e/ paym5t rema9s ! same z x 0 prior to ! =be>ance1 subject to any adju/m5t ( ! index pursuant to ! t]ms ( an adju/able rate mortgage1 & t ei!r-- 7i7 def]s ! paym5t ( total arre>ages1 includ+ any escr[ advances1 to ! end ( ! exi/+ t]m ( ! loan1 )\t ! *>g+ or collection ( any additional int]e/ on ! def]r$ am\nts2 or 7ii7 ext5ds ! t]m ( ! mortgage loan1 & capitalizes1 def]s1 or =gives all escr[ advances & o!r arre>ages2 provid$1 h[ev]1 t ! s]vic] may (f] ! borr[] a loss mitigation option t r$uces ! pr9cipal & int]e/ paym5t on ! loan & capitalizes1 def]s1 or =gives all escr[ advances or arre>ages if ! s]vic] has in=mation indicat+ t ! borr[] _c resume ! pre-=be>ance mortgage paym5ts2 & 7,b7 concurr5t ) ! loss mitigation (f] 9 subp>agraph 7,a71 notify ! borr[] t ! borr[] has ! "r to be evaluat$ = o!r loss mitigation options if ! borr[] is n able to make ! paym5t "u ! option (f]$ 9 subp>agraph 7,a74 7#c7 ,evaluation = loss mitigation prior to =eclosure initiation ,be=e a s]vic] may initiate or engage 9 any =eclosure activity li/$ 9 subsection 7c77#b71 includ+ incurr+ or *>g+ to a borr[] any fees or corporate advances relat$ to a =eclosure on ! basis t ! borr[] has fail$ to p]=m "u ! loss mitigation (f] 9 p>agraph 7#b77;,a7 )9 ! fir/ #ij days aft] ! option is (f]$1 includ+ a failure to accept ! loss mitigation (f] 9 p>agraph 7#b77;,a71 ! s]vic] %all-- 7,a7 unless ! borr[] has already submitt$ a complete application t ! s]vic] is review+-- 7i7 notify ! borr[] 9 writ+ ( ! docum5ts & in=mation1 if any1 ne$$ by ! s]vic] to enable ! s]vic] to consid] ! borr[] = all available loss mitigation options2 7ii7 ex]cise reasonable dilig5ce to obta9 ! docum5ts & in=mation ne$$ to complete ! borr[]'s loss mitigation application2 7,b7 ^u receipt ( a complete application or if1 despite ! s]vic]'s ex]cise ( reasonable dilig5ce1 ! loss mitigation application rema9s incomplete sixty days aft] ! notice 9 p>agraph 7#b77;,a7 is s5t1 conduct an evaluation ( ! complete or incomplete loss mitigation application )\t ref]5ce to :e!r ! borr[] has previ\sly submitt$ a complete loss mitigation application & (f] ! borr[] all available loss mitigation options = :i* ! borr[] qualifies "u applicable inve/or guidel9es1 includ+ guidel9es reg>d+ requir$ docum5tation4 7#d7 ,effect on future reque/s = loss mitigation review ,an application1 (f]1 or evaluation = loss mitigation "u ?is section %all n be ! basis = ! d5ial ( a borr[]'s application z duplicative or = a r$uction 9 ! borr[]'s appeal rights "u ,regulation ,x 7#ab ,c4,f4,r4 #ajbd7 9 reg>d to any loss mitigation application submitt$ aft] ! s]vic] has compli$ ) ! requirem5ts ( p>agraphs 7#b7 & 7#c74 7#e7 ,safe h>bor ,any loss mitigation option au?oriz$ by ! ,f$]al ,national ,mortgage ,association1 ! ,f$]al ,home ,loan ,corporation1 or ! ,f$]al ,h\s+ ,adm9i/ration t ei!r-- 7,a7 def]s ! paym5t ( total arre>ages1 includ+ any escr[ advances1 to ! end ( ! exi/+ t]m ( ! loan1 )\t ! *>g+ or collection ( any additional int]e/ on ! def]r$ am\nts1 or 7,b7 ext5ds ! t]m ( ! mortgage loan1 & capitalizes1 def]s1 or =gives all escr[ advances & o!r arre>ages1 )\t ! *>g+ ( any fees or p5alties beyond int]e/ on any am\nt capitaliz$ into ! loan pr9cipal1 %all be deem$ to comply ) ! requirem5ts ( p>agraph 7#a77;,b74 7#f7 ,home ret5tion options = c]ta9 rev]se mortgage loans 7,a7 ,9 g5]al ,= a cov]$ mortgage loan :i* is also a f$]ally-insur$ rev]se mortgage loan1 a s]vic]'s conduct %all be deem$ to comply ) ?is section provid$ t if ! loan is eligible to be call$ due & payable due to a prop]ty *>ge default1 ! mortgagee %all1 z a precondition to s5d+ a due & payable reque/ to ! ,secret>y or initiat+ or cont9u+ a =eclosure process-- 7i7 make a good fai? ef=t to communicate ) ! borr[] reg>d+ available home ret5tion options to cure ! prop]ty *>ge default1 includ+ enc\rag+ ! borr[] to apply = home ret5tion options2 & 7ii7 consid] ! borr[] = all available home ret5tion options z all[$ by ! ,secret>y4 7,b7 ,p]missible repaym5t plans ,! ,secret>y %all am5d its all[able home ret5tion options to p]mit a repaym5t plan ( up to #abj mon?s 9 l5g?1 & to p]mit a repaym5t plan )\t reg>d to prior defaults on repaym5t plans4 7,c7 ,limitation on int]e/ curtailm5t ,! ,secret>y may n curtail int]e/ paid to mortgagees :o engage 9 loss mitigation or home ret5tion actions ?r\gh int]e/ curtailm5t dur+ su* loss mitigation or home ret5tion review or dur+ ! p]iod :5 a loss mitigation or home ret5tion plan is 9 effect & end+ #ij days aft] any su* plan t]m9ates4 4 7,b7 ,am5dm5t to ,h\s+ ,act ( #aidi ,section #eje ( ! ,h\s+ ,act ( #aidi 7#db ,u4,s4,c4 #adge7 is am5d$-- 7i7 by /rik+ ! section head+ & ins]t+ ,loss ,mitigation & ,=eclosure ,proc$ures2 7ii7 9 subsection 7a71 by /rik+ ! section designation & all t foll[s ?r\gh ,dur+ any & ins]t+ ! foll[+3 #eje4 7a7 ,moratorium 7#a7 ,9 det]m9+ a borr[]'s eligibility = relief1 ! ,secret>y %all make all eligibility decisions bas$ on ! borr[]'s h\sehold's income1 exp5ses1 & circum/ances4 7#b7 ,dur+ any 4 7iii7 by r$esignat+ subsection 7b7 z subsection 7c72 & 7iv7 by ins]t+ aft] subsection 7a7 ! foll[+ new subsection3 7b7 ,loan ,modification 7#a7 ,not)/&+ any o!r provision ( ?is title1 = any loan made "u section #ejb or #ejd1 ! ,secret>y may modify ! int]e/ rate & ext5d ! t]m ( su* loan = up to #cj ye>s f ! date ( su* modification4 7#b7 ,at ! end ( any moratorium p]iod grant$ "u ?is section or "u ! ,em]g5cy ,h\s+ ,protections & ,relief ,act ( #bjbj1 ! ,secret>y %all det]m9e :e!r ! borr[] c reasonably resume mak+ pr9cipal & int]e/ paym5ts aft] ! ,secret>y modifies ! borr[]'s loan obligations 9 accordance ) p>agraph 7#a74 4 7#g7 ,multifamily ,mortgage ,=be>ance ,section #djbc ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijeg7 is am5d$-- 7,a7 by /rik+ ,f$]ally back$ multifamily mortgage loan ea* place su* t]m appe>s & ins]t+ multifamily mortgage loan2 7,b7 9 subsection 7b71 by /rik+ dur+ & ins]t+ due1 directly or indirectly1 to2 7,c7 9 subsection 7c77#a7-- 7i7 9 subp>agraph 7,a71 by add+ & at ! end2 7ii7 by /rik+ subp>agraphs 7,b7 & 7,c7 & ins]t+ ! foll[+3 7,b7 provide ! =be>ance = up to ! end ( ! p]iod describ$ "u section #djbd7;b74 2 & 7,d7 by r$esignat+ subsection 7f7 z subsection 7g72 7,e7 by ins]t+ aft] subsection 7e7 ! foll[+3 7f7 ,treatm5t aft] =be>ance ,) respect to a multifamily mortgage loan provid$ a =be>ance "u ?is section1 ! s]vic] ( su* loan-- 7#a7 %all provide ! borr[] ) a #ab-mon? p]iod beg9n+ at ! end ( su* =be>ance to become curr5t on ! paym5ts "u su* loan2 7#b7 may n *>ge any late fees1 p5alties1 or o!r *>ges ) respect to paym5ts on ! loan t 7 due dur+ ! =be>ance p]iod1 if su* paym5ts are made be=e ! end ( ! #ab-mon? p]iod2 & 7#c7 may n report any adv]se in=mation to a cr$it rat+ ag5cy 7z def9$ "u section #fjc ( ! ,fair ,cr$it ,report+ ,act ) respect to any paym5ts on ! loan t 7 due dur+ ! =be>ance p]iod1 if su* paym5ts are made be=e ! end ( ! #ab-mon? p]iod474 2 & 7,f7 9 subsection 7g71 z s r$esignat$-- 7i7 9 p>agraph 7#b7-- 7,i7 by /rik+ t-- & all t foll[s ?r\gh 7,a7 is secur$ by & ins]t+ t is secur$ by2 7,,ii7 by /rik+ 2 & & ins]t+ a p]iod2 & 7,,iii7 by /rik+ subp>agraph 7,b72 & 7ii7 by am5d+ p>agraph 7#e7 to read z foll[s3 7#e7 ,cov]$ p]iod ,) respect to a loan1 ! t]m cov]$ p]iod has ! mean+ giv5 t t]m "u section #djbb7;a77#c74 4 7#h7 ,r5t] protections dur+ =be>ance p]iod ,a borr[] t receives a =be>ance pursuant to section #djbb or #djbc ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijef or #ijeg7 may n1 = ! duration ( ! =be>ance-- 7,a7 evict or initiate ! eviction ( a t5ant solely = nonpaym5t ( r5t or o!r fees or *>ges2 or 7,b7 *>ge any late fees1 p5alties1 or o!r *>ges to a t5ant = late paym5t ( r5t4 7#i7 ,ext5sion ( ,,gse ,pat* 7,a7 ,non-applicability ( exi/+ sunset ,section #ajbf4dc7;e77#d77;iii77,b7 ( title #ab1 ,code ( ,f$]al ,regulations1 %all h no =ce or effect4 7,b7 ,ext5d$ sunset ,! special rules 9 section #ajbf4dc7;e77#d7 ( title #ab1 ,code ( ,f$]al ,regulations1 %all apply to cov]$ transactions consummat$ prior to ,june #a1 #bjbb1 or su* lat] date z ! ,director ( ! ,bureau ( ,consum] ,f9ancial ,protection may det]m9e1 by rule4 7#aj7 ,s]vic] safe h>bor f inve/or liability 7,a7 ,safe h>bor 7i7 ,9 g5]al ,a s]vic] ( cov]$ mortgage loans or multifamily mortgage loans %all be deem$ n to h violat$ any duty or contractual obligation ow$ to inve/ors or o!r p>ties reg>d+ su* mortgage loans on acc\nt ( (f]+ or implem5t+ 9 good fai? =be>ance dur+ ! cov]$ p]iod or (f]+ or implem5t+ 9 good fai? po/-=be>ance loss mitigation 7includ+ aft] ! expiration ( ! cov]$ p]iod7 9 accordance ) ! t]ms ( sections #djbb & #djbc ( ! ,,c>es ,act to borr[]s1 respectively1 on cov]$ or multifamily mortgage loans t x s]vices & %all n be liable to any p>ty :o is ow$ su* a duty or obligation or subject to any injunction1 /ay1 or o!r equitable relief to su* p>ty on acc\nt ( su* (f] or implem5tation ( =be>ance or po/-=be>ance loss mitigation4 7ii7 ,o!r p]sons ,any p]son1 includ+ a tru/ee ( a securitization vehicle or o!r p>ty involv$ 9 a securitization or o!r inve/m5t vehicle1 :o 9 good fai? coop]ates ) a s]vic] ( cov]$ or multifamily mortgage loans held by t securitization or inve/m5t vehicle to comply ) ! t]ms ( section #djbb & #djbc ( ! ,,c>es ,act1 respectively1 to borr[]s on cov]$ or multifamily mortgage loans own$ by ! securitization or o!r inve/m5t vehicle %all n be liable to any p>ty :o is ow$ su* a duty or obligation or subject to any injunction1 /ay1 or o!r equitable relief to su* p>ty on acc\nt ( its coop]ation ) an (f] or implem5tation ( =be>ance dur+ ! cov]$ p]iod or po/-=be>ance loss mitigation1 includ+ aft] ! expiration ( ! cov]$ p]iod4 7,b7 ,/&>d indu/ry practice ,dur+ ! cov]$ p]iod1 not)/&+ any contractual re/rictions1 x is deem$ to be /&>d indu/ry practice = a s]vic] to (f] =be>ance or loss mitigation options 9 accordance ) ! t]ms ( sections #djbb & #djbc ( ! ,,c>es ,act to borr[]s1 respectively1 on all cov]$ or multifamily mortgage loans x s]vices4 7,c7 ,rule ( con/ruction ,no?+ 9 ?is p>agraph may be con/ru$ z affect+ ! liability ( a s]vic] or o!r p]son = actual fraud 9 ! s]vic+ ( a mortgage loan or = ! violation ( a ,/ate or ,f$]al law4 7,d7 ,def9itions ,9 ?is p>agraph3 7i7 ,cov]$ mortgage loan ,! t]m cov]$ mortgage loan has ! mean+ giv5 t t]m "u section #djbb7;a7 ( ! ,,c>es ,act4 7ii7 ,cov]$ p]iod ,! t]m cov]$ p]iod has ! mean+ giv5 t t]m "u section #djbc7;g7 ( ! ,,c>es ,act4 7iii7 ,multifamily mortgage loan ,! t]m multifamily mortgage loan has ! mean+ giv5 t t]m "u section #djbc7;g7 ( ! ,,c>es ,act4 7iv7 ,s]vic] ,! t]m s]vic]-- 7,i7 has ! mean+ giv5 ! t]m "u section #f7;i7 ( ! ,real ,e/ate ,settlem5t ,proc$ures ,act ( #aigd 7#ab ,u4,s4,c4 #bfje7;i772 & 7,,ii7 means a ma/] s]vic] & a subs]vic]1 z su* t]ms are def9$1 respectively1 "u section #ajbd4ca ( title #ab1 ,code ( ,f$]al ,regulations4 7v7 ,securitization vehicle ,! t]m securitization vehicle has ! mean+ give t t]m "u section #abi;,a7f7 ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afci;a7f774 7c7 ,bankruptcy protections 7#a7 ,bankruptcy ,protections = ,f$]al ,coronavirus ,relief ,paym5ts ,section #eda7;b7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 p>agraph 7#i71 9 ! matt] foll[+ subp>agraph 7,b71 by /rik+ or2 7,b7 9 p>agraph 7#aj77;,c71 by /rik+ ! p]iod at ! end & ins]t+ 2 or2 & 7,c7 by ins]t+ aft] p>agraph 7#aj7 ! foll[+3 7#aa7 paym5ts made "u ,f$]al law relat+ to ! national em]g5cy decl>$ by ! ,presid5t "u ! ,national ,em]g5cies ,act 7#ej ,u4,s4,c4 #afja et seq47 ) respect to ! coronavirus disease #bjai 7,,covid-#ai74 4 7#b7 ,protection ,aga9/ ,discrim9atory ,treatm5t ( ,home[n]s 9 ,bankruptcy ,section #ebe ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end ! foll[+3 7d7 ,a p]son may n be d5i$ any =be>ance1 assi/ance1 or loan modification relief made available to borr[]s by a mortgage cr$itor or s]vic] because ! p]son is or has be5 a debtor1 or has receiv$ a dis*>ge1 9 a case "u ?is title4 4 7#c7 ,increas+ ! ,home/ead ,exemption ,section #ebb ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 9 subsection 7d77#a71 by /rik+ #ae1jjj & ins]t+ #ajj1jjj2 & 7,b7 by add+ at ! end ! foll[+3 7r7 ,not)/&+ any o!r provision ( applicable nonbankruptcy law1 a debtor 9 any ,/ate may exempt f prop]ty ( ! e/ate ! prop]ty describ$ 9 subsection 7d77#a7 n to exce$ ! value 9 subsection 7d77#a7 if ! exemption = su* prop]ty p]mitt$ by applicable nonbankruptcy law is l[] ?an t am\nt4 4 7#d7 ,effect ( ,miss$ ,mortgage ,paym5ts on ,dis*>ge ,section #acbh ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end ! foll[+3 7i7 ,a debtor %all n be d5i$ a dis*>ge "u ?is section because1 z ( ! date ( dis*>ge1 ! debtor did n make #f or few] paym5ts directly to ! hold] ( a debt secur$ by real prop]ty4 7j7 ,not)/&+ subsections 7a7 & 7b71 ^u ! debtor's reque/1 ! c\rt %all grant a dis*>ge ( all debts provid$ = 9 ! plan t are dis*>geable "u subsection 7a7 if ! debtor-- 7#a7 has made paym5ts "u a confirm$ plan = at lea/ #a ye>2 & 7#b7 is exp]i5c+ or has exp]i5c$ a mat]ial f9ancial h>d%ip due1 directly or indirectly1 to ! coronavirus disease #bjai 7,,covid-#ai7 p&emic4 4 7#e7 ,exp&$ eligibility = *apt] #ac ,section #aji7;e7 ( title #aa1 ,unit$ ,/ates ,code1 is am5d$-- 7,a7 by /rik+ #bej1jjj ea* place ! t]m appe>s & ins]t+ #hej1jjj2 & 7,b7 by /rik+ #gej1jjj ea* place ! t]m appe>s & ins]t+ #b1fjj1jjj4 7#f7 ,ext5d$ ,cure ,p]iod = ,home[n]s ,h>m$ by ,,covid-#ai ,p&emic 7,a7 ,9 g5]al ,*apt] #ac ( title #aa1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end !re( ! foll[+3 #acca4 ,special provisions relat$ to ,,covid-#ai p&emic 7a7 ,not)/&+ subsections 7b77#b7 & 7d7 ( section #acbb1 if ! debtor is exp]i5c+ or has exp]i5c$ a mat]ial f9ancial h>d%ip due1 directly or indirectly1 to ! coronavirus disease #bjai 7,,covid-#ai7 p&emic1 a plan may provide = ! cur+ ( any default )9 a reasonable "t1 n to exce$ #g ye>s aft] ! "t t ! fir/ paym5t "u ! orig9al confirm$ plan 0 due1 & ma9t5ance ( paym5ts :ile ! case is p5d+ on any unsecur$ claim or secur$ claim on :i* ! la/ paym5t is due aft] ! expiration ( su* "t4 ,any su* plan provision %all n affect ! applicable commitm5t p]iod "u section #acbe7;b74 7b7 ,= purposes ( sections #acbh7;a7 & #acbh7;b71 any cure or ma9t5ance paym5ts "u subsection 7a7 t are made aft] ! end ( ! p]iod dur+ :i* ! plan provides = paym5ts 7o!r ?an paym5ts "u subsection 7a77 %all n be treat$ z paym5ts "u ! plan4 7c7 ,not)/&+ section #acbi7;c71 a plan modifi$ "u section #acbi at ! debtor's reque/ may provide = cure or ma9t5ance paym5ts "u subsection 7a7 ov] a p]iod t is n long] ?an #g ye>s aft] ! "t t ! fir/ paym5t "u ! orig9al confirm$ plan 0 due4 7d7 ,not)/&+ section #cfb7;c77#b71 dur+ ! p]iod aft] ! debtor receives a dis*>ge & ! p]iod dur+ :i* ! plan provides = ! cure ( any default & ma9t5ance ( paym5ts "u ! plan1 section #cfb7;a7 %all apply to ! hold] ( a claim = :i* a default is cur$ & paym5ts are ma9ta9$ "u subsection 7a7 & to any prop]ty secur+ su* claim4 7e7 ,not)/&+ section #acja7;a77#b71 ! /ay ( section #acja7;a7 t]m9ates ^u ! grant+ ( a dis*>ge "u section #acbh ) respect to all cr$itors o!r ?an ! hold] ( a claim = :i* a default is cur$ & paym5ts are ma9ta9$ "u subsection 7a74 4 7,b7 ,table ( cont5ts ,! table ( sections ( *apt] #ac1 title #aa1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end !re( ! foll[+3 ,sec4 #acca4 ,special provisions relat$ to ,,covid-#ai ,p&emic4 4 7,c7 ,application ,! am5dm5ts made by ?is p>agraph %all apply only to any case "u title #aa1 ,unit$ ,/ates ,code1 comm5c$ be=e #c ye>s aft] ! date ( enactm5t ( ?is ,act & p5d+ on or comm5c$ aft] su* date ( enactm5t1 9 :i* a plan "u *apt] #ac ( title #aa1 ,unit$ ,/ates ,code1 0 n confirm$ be=e ,m>* #bg1 #bjbj4 #ajd4 ,liquidity = mortgage s]vic]s & resid5tial r5tal prop]ty own]s 7a7 ,9 g5]al ,section #djjc ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijdb71 is am5d$ by add+ at ! end ! foll[+3 7i7 ,liquidity = mortgage s]vic]s 7#a7 ,9 g5]al ,subject to p>agraph 7#b71 ! ,secret>y %all ensure t s]vic]s ( cov]$ mortgage loans 7z def9$ "u section #djbb7 & multifamily mortgage loans 7z def9$ "u section #djbc7 are provid$ ! opportunity to p>ticipate 9 ! loans1 loan gu>antees1 or o!r inve/m5ts made by ! ,secret>y "u ?is section4 ,! ,secret>y %all ensure t s]vic]s are provid$ ) access to su* opportunities "u equitable t]ms & conditions reg>dless ( _! size4 7#b7 ,mortgage s]vic] eligibility ,9 ord] to receive assi/ance "u subsection 7b77#d71 a mortgage s]vic] %all-- 7,a7 demon/rate t ! mortgage s]vic] has e/abli%$ policies & proc$ures to use su* funds only to replace funds us$ = borr[] assi/ance1 includ+ to advance funds z a result ( =be>ance or o!r loss mitigation provid$ to borr[]s2 7,b7 demon/rate t ! mortgage s]vic] has e/abli%$ policies & proc$ures to provide =be>ance1 po/-=be>ance loss mitigation1 & o!r assi/ance to borr[]s 9 compliance ) ! t]ms ( section #djbb or #djbc1 z applicable2 7,c7 demon/rate t ! mortgage s]vic] has e/abli%$ policies & proc$ures to ensure t =be>ance & po/-=be>ance assi/ance is available to all borr[]s 9 a non-discrim9atory fa%ion & 9 compliance ) ! ,fair ,h\s+ ,act1 ! ,equal ,cr$it ,opportunity ,act1 & o!r applicable fair h\s+ & fair l5d+ laws2 & 7,d7 comply ) ! limitations on comp5sation set =? 9 section #djjd4 7#c7 ,mortgage s]vic] requirem5ts ,a mortgage s]vic] receiv+ assi/ance "u subsection 7b77#d7 may n1 :ile ! s]vic] is "u any obligation to repay funds provid$ or gu>ante$ "u ?is section-- 7,a7 pay divid5ds ) respect to ! common /ock ( ! mortgage s]vic] or pur*ase an equity security ( ! mortgage s]vic] or any p>5t company ( ! mortgage s]vic] if ! security is li/$ on a national securities ex*ange1 except to ! ext5t requir$ "u a contractual obligation t is 9 effect on ! date ( enactm5t ( ?is subsection2 or 7,b7 prepay any debt obligation4 4 7b7 ,cr$it facility = resid5tial r5tal prop]ty own]s 7#a7 ,9 g5]al ,! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em %all-- 7,a7 e/abli% a facility1 us+ am\nts made available "u section #djjc7;b77#d7 ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijdb7;b77#d771 to make long-t]m1 l[-co/ loans to resid5tial r5tal prop]ty own]s z to tempor>ily comp5sate su* own]s = docum5t$ f9ancial losses caus$ by r$uctions 9 r5t paym5ts2 & 7,b7 def] su* own]s' requir$ paym5ts on su* loans until aft] six mon?s aft] ! date ( enactm5t ( ?is ,act4 7#b7 ,requirem5ts ,a borr[] t receives a loan "u ?is subsection may n1 = ! duration ( ! loan-- 7,a7 evict or initiate ! eviction ( a t5ant solely = nonpaym5t ( r5t or o!r fees or *>ges2 7,b7 *>ge any late fees1 p5alties1 or o!r *>ges to a t5ant = late paym5t ( r5t2 & 7,c7 ) respect to a p]son or entity describ$ "u p>agraph 7#d71 discrim9ate on ! basis ( s\rce ( income4 7#c7 ,report on resid5tial r5tal prop]ty own]s ,! ,bo>d ( ,gov]nors %all issue a report to ! ,congress conta9+ ! foll[+1 ) respect to ea* prop]ty own] receiv+ a loan "u ?is subsection3 7,a7 ,! numb] ( borr[]s t receiv$ assi/ance "u ?is subsection4 7,b7 ,! av]age total loan am\nt t ea* borr[] receiv$4 7,c7 ,! total numb] ( r5tal units t ea* borr[] own$4 7,d7 ,! av]age r5t *>g$ by ea* borr[]4 7#d7 ,report on l>ge resid5tial r5tal prop]ty own]s ,! ,bo>d ( ,gov]nors %all issue a report to ,congress t id5tifies any p]son or entity t 9 aggregate owns or holds a controll+ int]e/ 9 any entity t1 9 aggregate1 owns-- 7,a7 m ?an #ajj r5tal units t are locat$ )9 9 a s+le ,metropolitan ,/ati/ical ,area2 7,b7 m ?an #a1jjj r5tal units nationwide2 or 7,c7 r5tal units 9 ?ree or m ,/ates4 7c7 ,am5dm5ts to ,national ,h\s+ ,act ,section #cjf7;g77#a7 ( ! ,national ,h\s+ ,act 7#ab ,u4,s4,c4 #agba7;a77 is am5d$-- 7#a7 9 ! fif? s5t5ce1 by ins]t+ aft] issu$ ! foll[+3 1 subject to any pl$ge or grant ( security int]e/ ( ! ,f$]al ,res]ve "u section #djjc7;a7 ( ! ,,c>es ,act 7,public ,law #aaf-acf2 #acd ,/at4 #dgj2 #ae ,u4,s4,c4 #ijdb7;a77 & to any su* mortgage or mortgages or any int]e/ !re9 & ! proce$s !reon1 :i* ! ,association may elect to approve2 & 7#b7 9 ! six? s5t5ce-- 7,a7 by /rik+ or 7,c7 & ins]t+ 7,c72 & 7,b7 by ins]t+ be=e ! p]iod ! foll[+3 1 or 7,d7 its approval & honor+ ( any pl$ge or grant ( security int]e/ ( ! ,f$]al ,res]ve "u section #djjc7;a7 ( ! ,,c>es ,act & to any su* mortgage or mortgages or any int]e/ !re9 & proce$s !reon z4 #aje4 ,rural r5tal assi/ance ,!re is au?oriz$ to be appropriat$ = fiscal ye> #bjbj #cji1jjj1jjj = rural r5tal assi/ance1 :i* %all rema9 available until ,septemb] #cj1 #bjba1 ( :i*-- 7#a7 up to #be1jjj1jjj may be us$ = an additional am\nt = rural h\s+ v\*]s = any l[-income h\seholds 7includ+ ^? n receiv+ r5tal assi/ance7 resid+ 9 a prop]ty f9anc$ ) a section #eae loan :i* has be5 prepaid aft] ,septemb] #cj1 #bjje1 or has matur$ aft] ,septemb] #cj1 #bjai2 & 7#b7 ! rema9d] %all be us$ = an additional am\nt = rural r5tal assi/ance agreem5ts ent]$ into or r5ew$ pursuant to section #eba7;a77#b7 ( ! ,h\s+ ,act ( #aidi 7#db ,u4,s4,c4 #adij;a7a77#b77 to-- 7,a7 supplem5t ! r5tal assi/ance ( h\seholds on ^: behalf assi/ance is be+ provid$2 & 7,b7 provide r5tal assi/ance on behalf ( h\seholds :o are n be+ assi/$ ) su* r5tal assi/ance b :o qualify = su* assi/ance4 #ajf4 ,fund+ = public h\s+ & t5ant-bas$ r5tal assi/ance 7a7 ,public h\s+ op]at+ fund ,!re is au?oriz$ to be appropriat$ = an additional am\nt = fiscal ye> #bjbj = ! ,public ,h\s+ ,op]at+ ,fund "u section #i7;e7 ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;g7e77 #b1jjj1jjj1jjj1 to rema9 available until ,septemb] #cj1 #bjba4 7b7 ,t5ant-,bas$ section #h r5tal assi/ance ,!re is au?oriz$ to be appropriat$ = an additional am\nt = fiscal ye> #bjbj = ! t5ant-bas$ r5tal assi/ance "u section #h7o7 ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f7o77 #c1jjj1jjj1jjj1 to rema9 available until ,septemb] #cj1 #bjba1 ( :i* n m ?an #ejj1jjj1jjj may be us$ = adm9i/rative fees "u section #h7q7 ( su* ,act 7#db ,u4,s4,c4 #adcg;f7q774 7c7 ,applicability ( waiv]s ,any waiv] or alt]native requirem5t made by ! ,secret>y ( ,h\s+ & ,urban ,developm5t pursuant to ! head+ ,t5ant-,bas$ ,r5tal ,assi/ance or ,public ,h\s+ ,op]at+ ,fund 9 title ,,xii ( division ,b ( ! ,,c>es ,act 7,public ,law #aaf-acf7 %all apply ) respect to am\nts made available pursuant to ?is section4 #ajg4 ,supplem5tal fund+ = supportive h\s+ = ! eld]ly1 supportive h\s+ = p]sons ) disabilities1 supportive h\s+ = p]sons ) ,,aids1 & project-bas$ section #h r5tal assi/ance 7a7 ,au?orization ( appropriations ,!re is au?oriz$ to be appropriat$ #ejj1jjj1jjj = fiscal ye> #bjbj = additional assi/ance = supportive h\s+ = ! eld]ly1 ( :i*-- 7#a7 #bjj1jjj1jjj %all be = r5tal assi/ance "u section #bjb ( ! ,h\s+ ,act ( #aiei 7#ab ,u4,s4,c4 #agjaq7 or section #h ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f71 z appropriate1 & = hir+ additional /aff & = s]vices & co/s1 includ+ acquir+ p]sonal protective equipm5t1 to prev5t1 prep>e =1 or respond to ! public heal? em]g5cy relat+ to ,coronavirus ,disease #bjai 7,,covid-#ai7 p&emic2 & 7#b7 #cjj1jjj1jjj %all be = grants "u section #fgf ( ! ,h\s+ & ,community ,developm5t ,act ( #aiib 7#db ,u4,s4,c4 #acfcb7 = co/s ( provid+ s]vice coord9ators = purposes ( coord9at+ s]vices to prev5t1 prep>e =1 or respond to ! public heal? em]g5cy relat+ to ,coronavirus ,disease #bjai 7,,covid-#ai74 ,any provisions (1 & waiv]s & alt]native requirem5ts issu$ by ! ,secret>y pursuant to1 ! head+ ,dep>tm5t ( ,h\s+ & ,urban ,developm5t--,h\s+ ,programs--,h\s+ = ! ,eld]ly 9 title ,,xii ( division ,b ( ! ,,c>es ,act 7,public ,law #aaf-acf7 %all apply ) respect to am\nts made available pursuant to ?is subsection4 7b7 ,eligibility ( supportive h\s+ = p]sons ) disabilities ,subsection 7a7 ( section #fgf ( ! ,h\s+ & ,community ,developm5t ,act ( #aiib 7#db ,u4,s4,c4 #acfcb7;a77 %all be appli$1 = purposes ( subsection 7a7 ( ?is section1 by sub/itut+ 7,g71 & 7,h7 = & 7,g74 7c7 ,s]vice coord9ators 7#a7 ,hir+ ,9 ! hir+ ( /aff us+ am\nts made available pursuant to ?is section = co/s ( provid+ s]vice coord9ators1 grantees %all consid] & hire1 at all levels ( employm5t & to ! greate/ ext5t possible1 a div]se /aff1 includ+ by race1 e?nicity1 g5d]1 & disability /atus4 ,ea* grantee %all submit a report to ! ,secret>y ( ,h\s+ & ,urban ,developm5t describ+ compliance ) ! prec$+ s5t5ce n lat] ?an ! expiration ( ! #abj-;day p]iod t beg9s ^u ! t]m9ation ( ! em]g5cy decl>$ on ,m>* #ac1 #bjbj1 by ! ,presid5t "u ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 #daba et seq47 relat+ to ! ,coronavirus ,disease #bjai 7,,covid-#ai7 p&emic4 7#b7 ,"o-"t grants ,grants made us+ am\nts made available pursuant to subsection 7a7 = co/s ( provid+ s]vice coord9ators %all n be r5ewable4 7#c7 ,"o-ye> availability ,any am\nts made available pursuant to ?is section = co/s ( provid+ s]vice coord9ators t are allocat$ = a grantee & rema9 unexp5d$ ^u ! expiration ( ! #ab-mon? p]iod beg9n+ ^u su* allocation %all be recaptur$ by ! ,secret>y4 7d7 ,fund+ = supportive h\s+ = p]sons ) disabilities ,!re is au?oriz$ to be appropriat$ #bjj1jjj1jjj = fiscal ye> #bjbj = additional assi/ance = supportive h\s+ = p]sons ) disabilities "u section #haa ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #hjac74 ,any provisions (1 & waiv]s & alt]native requirem5ts issu$ by ! ,secret>y pursuant to1 ! head+ ,dep>tm5t ( ,h\s+ & ,urban ,developm5t--,h\s+ ,programs--,h\s+ = ,p]sons ,) ,disabilities 9 title ,,xii ( division ,b ( ! ,,c>es ,act 7,public ,law #aaf-acf7 %all apply ) respect to am\nts made available pursuant to ?is subsection4 7e7 ,fund+ = ,h\s+ ,opportunities = ,p ) ,,aids program ,!re is au?oriz$ to be appropriat$ #ae1jjj1jjj = fiscal ye> #bjbj = additional assi/ance = ! ,h\s+ ,opportunities = ,p]sons ) ,,aids program "u ! ,,aids ,h\s+ ,opportunity ,act 7#db ,u4,s4,c4 #abija et seq474 ,any provisions (1 & waiv]s & alt]native requirem5ts issu$ by ! ,secret>y pursuant to1 ! head+ ,dep>tm5t ( ,h\s+ & ,urban ,developm5t--,community ,plann+ & ,developm5t--,h\s+ ,opportunities = ,p]sons ,) ,,aids 9 title ,,xii ( division ,b ( ! ,,c>es ,act 7,public ,law #aaf-acf7 %all apply ) respect to am\nts made available pursuant to ?is subsection4 7f7 ,fund+ = project-,bas$ section #h r5tal assi/ance ,!re is au?oriz$ to be appropriat$ #gej1jjj1jjj = fiscal ye> #bjbj = additional assi/ance = project-bas$ r5tal assi/ance "u section #h ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f74 ,any provisions (1 & waiv]s & alt]native requirem5ts issu$ by ! ,secret>y pursuant to1 ! head+ ,dep>tm5t ( ,h\s+ & ,urban ,developm5t--,h\s+ ,programs--,project-,bas$ ,r5tal ,assi/ance 9 title ,,xii ( division ,b ( ! ,,c>es ,act 7,public ,law #aaf-acf7 %all apply ) respect to am\nts made available pursuant to ?is subsection4 #ajh4 ,fair ,h\s+ 7a7 ,def9ition ( ,,covid-#ai em]g5cy p]iod ,= purposes ( ?is ,act1 ! t]m ,,covid-#ai em]g5cy p]iod means ! p]iod t beg9s ^u ! date ( ! enactm5t ( ?is ,act & ends ^u ! date ( ! t]m9ation by ! ,f$]al ,em]g5cy ,managem5t ,ag5cy ( ! em]g5cy decl>$ on ,m>* #ac1 #bjbj1 by ! ,presid5t "u ! ,rob]t ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 #daba et seq47 relat+ to ! ,coronavirus ,disease #bjai 7,,covid-#ai7 p&emic4 7b7 ,fair h\s+ activities 7#a7 ,au?orization ( appropriations ,to ensure exi/+ grantees h suffici5t res\rce = fair h\s+ activities & = te*nology & equipm5t ne$s to deliv] s]vices ?r\gh use ( ! ,int]net or o!r electronic or virtual means 9 response to ! public heal? em]g5cy relat$ to ! ,coronavirus ,disease #bjai 7,,covid-#ai7 p&emic1 !re is au?oriz$ to be appropriat$ #d1jjj1jjj = ,fair ,h\s+ ,organization ,initiative grants ?r\gh ! ,fair ,h\s+ ,initiatives ,program "u section #efa ( ! ,h\s+ & ,community ,developm5t ,act ( #aihg 7#db ,u4,s4,c4 #cfaf;a74 7#b7 #c-ye> availability ,any am\nts made available pursuant p>agraph 7#a7 t are allocat$ = a grantee & rema9 unexp5d$ ^u ! expiration ( ! #c-ye> p]iod beg9n+ ^u su* allocation %all be recaptur$ by ! ,secret>y4 7c7 ,fair h\s+ education ,!re is au?oriz$ to be appropriat$ #aj1jjj1jjj = ! ,(fice ( ,fair ,h\s+ & ,equal ,opportunity ( ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t to c>ry out a national m$ia campaign & local education & outrea* to educate ! public ( increas$ h\s+ rights dur+ ,,covid-#ai em]g5cy p]iod1 t provides t in=mation & mat]ials us$ 9 su* campaign are available-- 7#a7 9 ! languages us$ by communities ) limit$ ,engli% pr(ici5cy2 & 7#b7 to p]sons ) disabilities4 #aji4 ,fund+ = h\s+ c\nsel+ s]vices 7a7 ,congressional f9d+s ,! ,congress f9ds t-- 7#a7 ! spread ( ,coronavirus ,disease #bjai 7,,covid-#ai71 :i* is n[ consid]$ a global p&emic1 is expect$ to negatively impact ! incomes ( pot5tially millions ( home[n]s1 r5t]s1 individuals exp]i5c+ homelessness1 & individuals at risk ( homelessness1 mak+ x difficult = !m to pay _! mortgages or r5ts on "t2 7#b7 h\s+ c\nsel+ is critical to ensur+ t home[n]s1 r5t]s1 individuals exp]i5c+ homelessness1 & individuals at risk ( homelessness h ! res\rces !y ne$ to manage f9ancial h>d%ips f ! ,,covid-#ai crisis2 7#c7 loan pres]vation & =eclosure mitigation s]vices are also critical to address ! ne$s ( home[n]s :o lose employm5t & income because ( ! p&emic & :o face s]i\s del9qu5cy or home loan default1 or are 9 =eclos+ proce$+s dur+ ?is p]iod2 7#d7 evaluations f ! ,national ,=eclosure ,mitigation ,c\nsel+ program reveal$ t home[n]s at risk ( or fac+ =eclosure are bett] s]v$ :5 !y h access to a h\s+ c\nselor & a range ( tools & res\rces to help !m avoid los+ _! home & h ! support !y ne$ to tailor ! be/ possible response to _! situation4 7b7 ,au?orization ( appropriations ,!re is au?oriz$ to be appropriat$ to ! ,neighborhood ,re9ve/m5t ,corporation 79 ?is section ref]r$ to z ! ,corporation7 e/abli%$ "u ! ,neighborhood ,re9ve/m5t ,corporation ,act 7#db ,u4,s4,c4 #haja et seq47 #ajj1jjj1jjj = fiscal ye> #bjbj = h\s+ c\nsel+ s]vices1 :i* %all rema9 available until ,septemb] #cj1 #bjbc4 7c7 ,prioritization ( h\s+ c\nsel+ s]vices ,( any grant funds made available pursuant to subsection 7b71 n less ?an #dj p]c5t %all be provid$ to c\nsel+ organizations t t>get c\nsel+ s]vices to m9ority & l[-income home[n]s1 r5t]s1 individuals exp]i5c+ homelessness1 & individuals at risk ( homelessness or provide su* s]vices 9 neighborhoods ) high conc5trations ( m9ority & l[-income home[n]s1 r5t]s1 individuals exp]i5c+ homelessness1 & individuals at risk ( homelessness4 7d7 ,eligible uses ,am\nts made available pursuant to subsection 7b7 may be us$ 9 su* am\nts z ! ,corporation det]m9es = co/s (-- 7#a7 public education & outrea*2 7#b7 direct s]vices1 includ+ ! full range ( s]vices provid$ by h\s+ c\nselors to assi/ home[n]s1 includ+ manufactur$ home[n]s1 reg>dless ( f9anc+ type1 r5t]s1 individuals exp]i5c+ homelessness1 & individuals at risk ( homelessness1 includ+ ! practices1 tools1 & innovations 9 =eclosure mitigation t 7 utiliz$ 9 ! ,national ,=eclosure ,mitigation ,c\nsel+ ,program1 & f9ancial capability1 cr$it c\nsel+1 homeless c\nsel+1 & r5tal c\nsel+2 7#c7 equipm5t & te*nology1 includ+ broadb& int]net & equipm5t upgrades ne$$ to ensure timely & effective s]vice deliv]y2 7#d7 tra9+1 includ+ capacitat+ h\s+ c\nsel+ /aff 9 v>i\s modes ( c\nsel+1 includ+ r5tal & =eclosure1 deliv]y ( remote c\nsel+ utiliz+ improv$ te*nology1 enhanc$ network security1 & supportive options = ! deliv]y ( cli5t s]vices2 & 7#e7 adm9i/ration & ov]sight ( ! program 9 accordance ) ! ,corporation's rate = program adm9i/ration4 7e7 ,disbursem5t ,! ,corporation %all disburse all grant funds made available pursuant to subsection 7b7 z exp$iti\sly z possible1 ?r\gh grants to h\s+ c\nsel+ int]m$i>ies approv$ by ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t1 ,/ate h\s+ f9ance ag5cies1 & ,neighbor,works organizations4 ,! aggregate am\nt provid$ to ,neighbor,works organizations %all n exce$ #ae p]c5t ( ! total ( grant funds made available pursuant to subsection 7b74 ,,ii ,protect+ ,p ,exp]i5c+ ,homelessness #bja4 ,homeless assi/ance fund+ 7a7 ,em]g5cy homeless assi/ance 7#a7 ,au?orization ( appropriations ,!re is au?oriz$ to be appropriat$ "u ! ,em]g5cy ,solutions ,grants program "u subtitle ,b ( title ,,iv ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacga et seq47 #aa1ejj1jjj1jjj = grants "u su* subtitle 9 accordance ) ?is subsection to respond to ne$s aris+ f ! public heal? em]g5cy relat+ to ,coronavirus ,disease #bjai 7,,covid-#ai74 ,( su* am\nts made available1 #d1jjj1jjj1jjj %all be allocat$ 9 accordance ) sections #dac & #dad ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacgb1 #aacgc74 7#b7 ,=mula ,not)/&+ sections #dac & #dad ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacgb1 #aacgc71 ! ,secret>y ( ,h\s+ & ,urban ,developm5t 79 ?is ,act ref]r$ to z ! ,secret>y7 %all allocate any am\nts rema9+ aft] am\nts are allocat$ pursuant to p>agraph 7#a7 9 accordance ) a =mula to be e/abli%$ by ! ,secret>y t takes into consid]ation ! foll[+ factors3 7,a7 ,risk ( transmission ( coronavirus 9 a jurisdiction4 7,b7 ,:e!r a jurisdiction has a high numb] or rate ( %elt]$ & un%elt]$ homeless individuals & families4 7,c7 ,economic & h\s+ m>ket conditions 9 a jurisdiction4 7#c7 ,eligible activities ,9 addition to eligible activities "u section #dae7;a7 ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacgd7;a71 am\nts made available pursuant to p>agraph 7#a7 may also be us$ = co/s ( ! foll[+ activities3 7,a7 ,provid+ tra9+ on infecti\s disease prev5tion & mitigation4 7,b7 ,provid+ haz>d pay1 includ+ = "t work$ be=e ! effectiv5ess ( ?is subp>agraph1 = /aff work+ directly to prev5t & mitigate ! spread ( coronavirus or ,,covid-#ai among p exp]i5c+ or at risk ( homelessness4 7,c7 ,reimbursem5t ( co/s = eligible activities 7includ+ activities describ$ 9 ?is p>agraph7 relat+ to prev5t+1 prep>+ =1 or respond+ to ! coronavirus or ,,covid-#ai t 7 accru$ be=e ! date ( ! enactm5t ( ?is ,act4 7,d7 ,not)/&+ #bd ,,cfr #egf4ajb7;a77#c71 provid+ a hotel or motel v\*] = a homeless individual or family4 ,use ( su* am\nts = activities describ$ 9 ?is p>agraph %all n be consid]$ use = adm9i/rative purposes = purposes ( section #dah ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacgg74 7#d7 ,inapplicability ( procurem5t /&>ds ,to ! ext5t am\nts made available pursuant to p>agraph 7#a7 are us$ to procure goods & s]vices relat+ to activities to prev5t1 prep>e =1 or respond to ! coronavirus or ,,covid-#ai1 ! /&>ds & requirem5ts reg>d+ procurem5t t are o!rwise applicable %all n apply4 7#e7 ,inapplicability ( habitability & environm5tal review /&>ds ,any ,f$]al /&>ds & requirem5ts reg>d+ habitability & environm5tal review %all n apply ) respect to any em]g5cy %elt] t is assi/$ ) am\nts made available pursuant to p>agraph 7#a7 & has be5 det]m9$ by a ,/ate or local heal? (ficial1 9 accordance ) su* requirem5ts z ! ,secret>y %all e/abli%1 to be necess>y to prev5t & mitigate ! spread ( coronavirus or ,,covid-#ai1 su* %elt]s4 7#f7 ,inapplicability ( cap on em]g5cy %elt] activities ,subsection 7b7 ( section #dae ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act %all n apply to any am\nts made available pursuant to p>agraph 7#a7 ( ?is subsection4 7#g7 ,initial allocation ( assi/ance ,section #dag7;b7 ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacgf7;b77 %all be appli$ ) respect to am\nts made available pursuant to p>agraph 7#a7 ( ?is subsection by sub/itut+ #cj-;day = #fj-;day4 7#h7 ,waiv]s & alt]native requirem5ts 7,a7 ,au?ority ,9 adm9i/]+ am\nts made available pursuant to p>agraph 7#a71 ! ,secret>y may waive1 or specify alt]native requirem5ts =1 any provision ( any /atute or regulation 7except = any requirem5ts relat$ to fair h\s+1 nondiscrim9ation1 labor /&>ds1 & ! environm5t7 t ! ,secret>y adm9i/]s 9 connection ) ! obligation or use by ! recipi5t ( su* am\nts1 if ! ,secret>y f9ds t good cause exi/s = ! waiv] or alt]native requirem5t & su* waiv] or alt]native requirem5t is consi/5t ) ! purposes describ$ 9 ?is subsection4 7,b7 ,notification ,! ,secret>y %all notify ! public ?r\gh ! ,f$]al ,regi/] or o!r appropriate means #e days be=e ! effective date ( any su* waiv] or alt]native requirem5t1 & any su* public notice may be provid$ on ! ,int]net at ! appropriate ,gov]nm5t web site or ?r\gh o!r electronic m$ia1 z det]m9$ by ! ,secret>y4 7,c7 ,exemption ,! use ( am\nts made available pursuant to p>agraph 7#a7 %all n be subject to ! consultation1 citiz5 p>ticipation1 or mat* requirem5ts t o!rwise apply to ! ,em]g5cy ,solutions ,grants program1 except t a recipi5t %all publi% h[ x has & w utilize its allocation at a m9imum on ! ,int]net at ! appropriate ,gov]nm5t web site or ?r\gh o!r electronic m$ia4 7#i7 ,inapplicability ( mat*+ requirem5t ,subsection 7a7 ( section #daf ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacge7;a77 %all n apply to any am\nts made available pursuant to p>agraph 7#a7 ( ?is subsection4 7#aj7 ,prohibition on pr]equisites ,none ( ! funds au?oriz$ "u ?is subsection may be us$ to require p exp]i5c+ homelessness to receive treatm5t or p]=m any o!r pr]equisite activities z a condition = receiv+ %elt]1 h\s+1 or o!r s]vices4 7b7 ,cont9uum ( ,c>e program ,due to ! em]g5cy relat+ to ! ,coronavirus ,disease #bjai 7,,covid-#ai7 p&emic1 ! ,notice ( ,fund+ ,availability 7,,n(a7 = fiscal ye> #bjbj = ! ,cont9uum ( ,c>e program "u subtitle ,c ( title ,,iv ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacha et seq47 %all h no =ce or effect & ! ,secret>y ( ,h\s+ & ,urban ,developm5t %all di/ribute am\nts made available = su* fiscal ye> = su* program bas$ on ! results ( ! competition = am\nts made available = su* program = fiscal ye> #bjai 7,,fr-#fcjj--be71 except t grant am\nts may be adju/$ to acc\nt = *anges 9 fair m>ket r5ts4 #bjb4 ,em]g5cy r5tal assi/ance v\*] program 7a7 ,au?orization ( appropriations ,!re is au?oriz$ to be appropriat$ to ! ,secret>y ( ,h\s+ & ,urban ,developm5t 79 ?is section ref]r$ to z ! ,secret>y71 #a1jjj1jjj1jjj = fiscal ye> #bjbj1 to rema9 available until exp5d$1 = increm5tal em]g5cy v\*]s "u subsection 7b74 7b7 ,em]g5cy v\*]s 7#a7 ,9 g5]al ,! ,secret>y %all provide em]g5cy r5tal assi/ance v\*]s "u ?is subsection1 :i* %all be t5ant-bas$ r5tal assi/ance "u section #h7o7 ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f7o774 7#b7 ,selection ( families 7,a7 ,m&atory pref]5ces ,ea* public h\s+ ag5cy adm9i/]+ assi/ance "u ?is section %all provide pref]5ce = su* assi/ance to eligible families t are-- 7i7 homeless 7z su* t]m is def9$ 9 section #ajc7;a7 ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacjb7;a772 7ii7 at risk ( homelessness 7z su* t]m is def9$ 9 section #dja ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacfj72 or 7iii7 flee+1 or attempt+ to flee1 dome/ic viol5ce1 dat+ viol5ce1 sexual assault1 or /alk+4 7,b7 ,allocation ,9 allocat+ am\nts made available "u ?is section1 ! ,secret>y %all-- 7i7 n lat] ?an #fj days aft] ! date ( ! enactm5t ( ?is ,act1 allocate at lea/ #ej p]c5t ( su* am\nts to public h\s+ ag5cies 9 accordance ) a =mula t consid]s-- 7,i7 ! capability ( public h\s+ ag5cies to promptly use em]g5cy v\*]s provid$ "u ?is section2 & 7,,ii7 ! ne$ = em]g5cy v\*]s provid$ "u ?is section 9 ! geographical area1 bas$ on factors det]m9$ by ! ,secret>y1 includ+ risk ( transmission ( coronavirus1 high numb]s or rates ( %elt]$ & un%elt]$ homelessness1 & economic & h\s+ m>ket conditions2 7ii7 allocate rema9+ am\nts 9 accordance ) a =mula t consid]s-- 7,i7 ! crit]ia "u clause 7i7 & ! success ( a public h\s+ ag5cy 9 promptly utiliz+ v\*]s aw>d$ "u clause 7i72 & 7,,ii7 ! capability ( ! public h\s+ ag5cy to create & manage /ructur$ p>tn]%ips ) s]vice provid]s = ! deliv]y ( appropriate community-bas$ s]vices2 & 7iii7 designate ! numb] ( v\*]s "u ?is section t ea* public h\s+ ag5cy t is aw>d$ funds "u ?is section is au?oriz$ to adm9i/]4 7,c7 ,election n to adm9i/] ,if a public h\s+ ag5cy elects n to adm9i/] am\nts "u ?is section1 ! ,secret>y %all aw>d su* am\nts to o!r public h\s+ ag5cies accord+ to ! crit]ia 9 subp>agraph 7,b74 7,d7 ,failure to use v\*]s promptly ,if a public h\s+ ag5cy fails to issue all ( its au?oriz$ v\*]s "u ?is section on behalf ( eligible families )9 a reasonable p]iod ( "t z det]m9$ by ! ,secret>y1 ! ,secret>y %all reallocate any unissu$ v\*]s & associat$ funds to o!rs public h\s+ ag5cies accord+ to ! crit]ia "u subp>agraph 7,b77ii74 7#c7 ,waiv]s & alt]native requirem5ts ,any waiv] or alt]native requirem5t t ! ,secret>y makes available to all public h\s+ ag5cies 9 connection ) assi/ance made available "u ! head+ ,t5ant-,bas$ ,r5tal ,assi/ance 9 title ,,xii ( division ,b ( ! ,,c>es ,act 7,public ,law #aaf-acf2 #acd ,/at4#fja7 %all apply to assi/ance "u ?is section until ! expiration ( su* waiv] or alt]native requirem5t4 7#d7 ,t]m9ation ( v\*]s ^u turnov] 7,a7 ,9 g5]al ,a public h\s+ ag5cy may n reissue any v\*]s made available "u ?is section :5 assi/ance = ! family initially assi/$ is t]m9at$4 7,b7 ,reallocation ,^u t]m9ation ( assi/ance = "o or m families assi/$ by a public h\s+ ag5cy "u ?is section1 ! ,secret>y %all reallocate am\nts t are no long] ne$$ by su* public h\s+ ag5cy = assi/ance "u ?is section to ano!r public h\s+ ag5cy = ! r5ewal ( v\*]s previ\sly au?oriz$ "u ?is section4