,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #gheh  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,july #cj1 #bjbj,mr4  
,evans introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices1 & 9 addition to ! ,committee  
on ,vet]ans' ,affairs1 = a p]iod to be  
subsequ5tly det]m9$ by ! ,speak]1 9 ea* 
case = consid]ation ( su* provisions z  
fall )9 ! jurisdiction ( ! committee    
conc]n$  ,a ,,bill  ,to require !       
provision ( notice to home[n]s reg>d+   
available h\s+ relief to respond to !   
,,covid-#ai p&emic1 & = o!r purposes4   
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,help+ ,own]s ,ma9ta9 ,economic       
,security ,act ( #bjbj or ! ,,homes ,act
 ( #bjbj4  #b4 ,notice to home[n]s      
,section #djbb ( ! ,,c>es ,act 7#ae     
,u4,s4,c4 #ijef7 is am5d$-- 7#a7 9      
subsection 7b77#a71 by ins]t+ aft] cov]$
 p]iod1 ! foll[+3 :i* t]m = purposes (  
?is section %all h ! mean+ giv5 su* t]m 
9 section #fbc7;a77#a77;,f77i7 ( ! ,fair
 ,cr$it ,report+ ,act12 &  7#b7 by add+ 

at ! end ! foll[+ new subsection3  7d7  
,notice to home[n]s ( available relief  
7#a7 ,notice requirem5t ,subject only to
 p>agraph 7#c71 n lat] ?an ! expiration 
( ! #cj-;day p]iod beg9n+ ^u ! date ( ! 
enactm5t ( ?is subsection1 ea* s]vic] ( 
a ,f$]ally back$ mortgage loan %all s5d1
 by fir/ class ,unit$ ,/ates mail1      
writt5 notice to ! mortgagor suffici5t  
to in=m su* mortgagor 9 pla9 language ( 
! mortgagor's eligibility to reque/     
=be>ance "u subsection 7b74  7#b7       
,cont5t ,! notice e/abli%$ pursuant to  
p>agraph 7#a7 %all include a /atem5t--  
7,a7 t section #djbb7;b7 ( ! ,,c>es ,act
 provides t1 dur+ ! cov]$ p]iod1 a      
borr[] ) a ,f$]ally back$ mortgage loan 
exp]i5c+ a f9ancial h>d%ip due1 directly
 or indirectly1 to ! ,,covid-#ai em]g5cy
 may receive a =be>ance on su* loan = up
 to #ahj days1 reg>dless ( del9qu5cy    
/atus1 by submitt+ a reque/ to ! loan   
s]vic] & affirm+ t ! borr[] is exp]i5c+ 
a f9ancial h>d%ip dur+ ! ,,covid-#ai    
em]g5cy1 & t su* =be>ance p]iod %all be 

ext5d$ = an additional #ahj days at !   
reque/ ( ! borr[]2  7,b7 expla9+ t !    
mortgagor c seek language assi/ance &   
g5]al help ?r\gh a h\s+ c\nsel+ ag5cy 9 
! area t is approv$ by ! ,dep>tm5t (    
,h\s+ & ,urban ,developm5t & provid+    
in=mation on h[ to f9d su* an approv$   
h\s+ c\nsel+ ag5cy2  7,c7 t ! moratorium
 "u ! ,,c>es ,act does n t]m9ate !      
mortgagor's obligation to make paym5ts  
due "u ! mortgage2  7,d7 t mortgagor w  
owe any mortgage arre>ages t accrue dur+
 ! moratorium "u ! ,,c>es ,act2 &  7,e7 
t mortgagors are enc\rag$ to contact _! 
mortgage s]vic] if !y are hav+ tr\ble   
mak+ paym5ts due "u _! mortgage4  7#c7  
,exemption ,a s]vic] %all n be requir$  
to s5d notice pursuant to p>agraph 7#a7 
to any mortgagor :o has previ\sly       
reque/$ =be>ance "u subsection 7b74  4  
#c4 ,notice to multifamily h\s+         
mortgagors ,section #djbc ( ! ,,c>es    
,act 7#ae ,u4,s4,c4 #ijeg7 is am5d$--   
7#a7 by r$esignat+ subsection 7f7 z     
subsection 7g72 &  7#b7 by ins]t+ aft]  

subsection 7e7 ! foll[+ new subsection3 
7f7 ,notice to borr[] ( available relief
  7#a7 ,notice requirem5t ,subject only 
to p>agraph 7#c71 n lat] ?an !          
expiration ( ! #cj-;day p]iod beg9n+ ^u 
! date ( ! enactm5t ( ?is subsection1   
ea* s]vic] ( a ,f$]ally back$           
multifamily mortgage loan %all s5d1 by  
fir/ class ,unit$ ,/ates mail1 writt5   
notice to ! multifamily borr[] "u su*   
loan suffici5t to in=m su* borr[] 9 pla9
 language ( ! borr[]'s eligibility to   
reque/ =be>ance "u subsection 7b74  7#b7
 ,cont5t ,! notice e/abli%$ pursuant to 
p>agraph 7#a7 %all include a /atem5t--  
7,a7 expla9+ t ! borr[] c seek language 
assi/ance & g5]al help ?r\gh a h\s+     
c\nsel+ ag5cy 9 ! area t is approv$ by !
 ,dep>tm5t ( ,h\s+ & ,urban ,developm5t 
& provid+ in=mation on h[ to f9d su* an 
approv$ h\s+ c\nsel+ ag5cy2  7,b7 t !   
=be>ance "u ! ,,c>es ,act does n t]m9ate
 ! borr[]'s obligation to make paym5ts  
due "u ! mortgage2  7,c7 t borr[] w owe 
any mortgage arre>ages t accrue dur+ !  

=be>ance "u ! ,,c>es ,act2  7,d7 expla9+
 ! r5t] protections "u section          
subsection 7d7 ( section #djbc ( !      
,,c>es ,act & ! prohibitions "u         
subsection 7e7 ( su* section2 &  7,e7 t 
borr[]s are enc\rag$ to contact _!      
mortgage s]vic] if !y are hav+ tr\ble   
mak+ paym5ts due "u _! mortgage4  7#c7  
,exemption ,a s]vic] %all n be requir$  
to s5d notice pursuant to p>agraph 7#a7 
to any multifamily borr[] :o has        
previ\sly reque/$ =be>ance "u subsection
 7b74  4  #d4 ,model notices  7a7       
,developm5t ,n lat] ?an ! expiration ( !
 #g-;day p]iod beg9n+ on ! date ( !     
enactm5t ( ?is ,act1 ! ,secret>y ( ,h\s+
 & ,urban ,developm5t1 ! ,secret>y (    
,agriculture1 ! ,secret>y ( ,vet]ans    
,affairs1 & ! ,f$]al ,national ,mortgage
 ,association & ! ,f$]al ,home ,loan    
,mortgage ,corporation1 at ! direction (
 ! ,director ( ! ,f$]al ,h\s+ ,f9ance   
,ag5cy1 %all jo9tly e/abli% notices t   
are suffici5t to comply ) ! requirem5ts 
( sections #djbb7;d7 & #djbc7;f7 ( !    

,,c>es ,act1 z add$ by ! am5dm5ts made  
by sections #b & #c ( ?is ,act1         
respectively4  7b7 ,availability ,su*   
ag5cy heads & entities %all take su*    
actions z may be necess>y-- 7#a7 to     
publicize ! availability ( su* notices  
to s]vic]s ( a ,f$]ally back$ mortgage  
loans & ,f$]ally back$ multifamily      
mortgage loans2 &  7#b7 to make su*     
notices publicly & widely available =   
use by s]vic]s ( a ,f$]ally back$       
mortgage loans & ,f$]ally back$         
multifamily mortgage loans4