,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #hjjc  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,augu/ #aa1 #bjbj,mr4 
,evans 7= himself & ,mr4 ,clay7         
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,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+  
,home ,own]s ,ma9ta9 ,economic ,security
 ,act ( #bjbj or ! ,help+ ,,homes ,act (
 #bjbj4  #b4 ,notice to home[n]s        
,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-- 
7,a7 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 &  7,b7 by add+ at !
 end ! foll[+ new p>agraph3  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  2 &  7#c7 by 
add+ at ! end ! foll[+ new subsection3  
7d7 ,notice to home[n]s ( available     
relief ,dur+ ! p]iod t beg9s #ij days   
aft] ! date ( ! enactm5t ( ?is          
subsection & ends ^u ! expiration ( !   
cov]$ p]iod1 ea* s]vic] ( a cov]$       
mortgage loan %all-- 7#a7 make available
 9 a cle> & conspicu\s mann] on _! web  
page accurate in=mation = borr[]s1 9 bo?
 ,engli% & ,spani% language1 reg>d+ !   
availability ( =be>ance "u subsection   
7b72  7#b7 notify ea* borr[] ^: paym5ts 
"u a cov]$ mortgage loan are or become  
#ca days 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* notification %all n be     
requir$ if ! borr[] already has obta9$  
=be>ance "u subsection 7b72 &  7#c7     
provide to any borr[] ^: paym5ts on !   
cov]$ mortgage loan are or become #ca   
days del9qu5t1 a notification 9 writ+1 9
 bo? ,engli% & ,spani% language1 n lat] 
?an ! #de? day ( ! del9qu5cy ( ! borr[]1
 t-- 7,a7 /ates t ! borr[] may be       
eligible = =be>ance "u ?is section2     
7,b7 /ates t ! borr[] may seek language 
assi/ance & g5]al help ?r\gh a h\s+     
c\nsel+ ag5cy c]tifi$ by ! ,dep>tm5t (  
,h\s+ & ,urban ,developm5t2 &  7,c7     
provides in=mation on h[ to f9d a       
c\nsel+ ag5cy describ$ 9 subp>agraph    
7,b74  4