,,ii  #aaf? ,,congress  #b;d ,session   
,s4 #ceji  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,m>* #ag1 #bjbj,mr4    
,br[n introduc$ ! foll[+ bill2 :i* 0    
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to provide borr[]s ! "r to     
reque/ =be>ance on mortgage loan paym5ts
 due to a decl>$ disa/]1 & = o!r        
purposes4  #a4 ,consum] "r to reque/    
=be>ance ,! ,real ,e/ate ,settlem5t     
,proc$ures ,act ( #aigd 7#ab ,u4,s4,c4  
#bfja et seq47 is am5d$-- 7#a7 9 section
 #c 7#ab ,u4,s4,c4 #bfjb7-- 7,a7 9      
p>agraph 7#h71 by /rik+ & at ! end2     
7,b7 9 p>agraph 7#i71 by /rik+ ! p]iod  
at ! end & ins]t+ 2 &2 &  7,c7 by add+  
at ! end ! foll[+3  7#aj7 ! t]m decl>$  
disa/] means-- 7,a7 ! coronavirus       
disease 7,,covid-#ai7 p&emic2 &  7,b7 a 
major disa/] or em]g5cy decl>$ by !     
,presid5t "u section #dja or #eja1      
respectively1 ( ! ,rob]t ,t4 ,/af=d     
,disa/] ,relief & ,em]g5cy ,assi/ance   
,act 7#db ,u4,s4,c4 #eagj1 #eaia74  2 & 

7#b7 9 section #f 7#ab ,u4,s4,c4        
#bfje7-- 7,a7 9 subsection 7k77#a7-- 7i7
 9 subp>agraph 7,d71 by /rik+ or at !   
end2  7ii7 by r$esignat+ subp>agraph    
7,e7 z subp>agraph 7,g72 &  7iii7 by    
ins]t+ aft] subp>agraph 7,d7 ! foll[+3  
7,e7 initiate any judicial or           
non-judicial =eclosure process1 move = a
 =eclosure judgm5t or ord] ( sale1 or   
execute a =eclosure-relat$ eviction or  
=eclosure sale dur+ ! #ahj-;day p]iod   
foll[+ a decl>$ disa/] 9 ! area 9 :i* ! 
prop]ty is locat$2  7,f7 fail to toll ! 
"t 9 a =eclosure process on a prop]ty = 
n less ?an #ahj days foll[+ a decl>$    
disa/] 9 ! area 9 :i* ! prop]ty is      
locat$2 or  2 &  7,b7 by add+ at ! end !
 foll[+3  7n7 ,consum] "r ,to reque/    
=be>ance  7#a7 ,9 g5]al ,a borr[]       
exp]i5c+ a f9ancial h>d%ip due1 directly
 or indirectly1 to a decl>$ disa/] may  
reque/ =be>ance f any mortgage paym5t = 
n less ?an #ahj days1 :i* may be ext5d$ 
= an additional #ahj days at ! reque/ ( 
! borr[]1 provid$ t1 at ! borr[]'s      

reque/1 ei!r ! initial or ext5d$ p]iod (
 =be>ance may be %ort5$4  7#b7 ,accrual 
( int]e/ or fees ,dur+ a p]iod (        
=be>ance describ$ 9 p>agraph 7#a71 no   
int]e/ or o!r fees %all accrue on !     
borr[]'s acc\nt4  7#c7 ,reque/ = relief 
,a borr[] may submit a reque/ = =be>ance
 "u p>agraph 7#a7 to _! s]vic]1 ei!r    
orally or 9 writ+1 affirm+ t ! borr[] is
 exp]i5c+ h>d%ip due1 directly or       
indirectly1 to a decl>$ disa/]4  7#d7   
,requirem5ts = s]vic]s  7,a7            
,notification  7i7 ,9 g5]al ,ea* s]vic] 
( a f$]ally relat$ mortgage loan %all   
notify ! borr[] ( _! "r to reque/       
=be>ance "u p>agraph 7#c7-- 7,i7 n lat] 
?an #ad days aft] ! date ( a decl>$     
disa/] or1 9 ! case ( ! coronavirus     
disease 7,,covid-#ai7 p&emic1 n lat] ?an
 #ad days aft] ! date ( enactm5t ( ?is  
,act2 &  7,,ii7 dur+ ! incid5t p]iod = a
 decl>$ disa/] & dur+ n less ?an !      
#ahj-;day p]iod foll[+ t incid5t p]iod--
 7aa7 on ea* p]iodic /atem5t provid$ to 
! borr[]2 &  7bb7 9 any oral or writt5  

communication by ! s]vic] ) or to !     
borr[]4  7ii7 ,mann] ( notification     
7,i7 ,writt5 notification ,any writt5   
notification requir$ "u clause 7i7--    
7aa7 %all be provid$-- 7,,aa7 9 ,engli% 
& ,spani% & 9 any additional languages 9
 :i* ! s]vic] communicates1 includ+ !   
language 9 :i* ! loan 0 negotiat$1 to ! 
ext5t kn[n by ! s]vic]2 & 7,,bb7 at lea/
 z cle>ly & conspicu\sly z ! mo/ cle> & 
conspicu\s disclosure on ! docum5t2 &   
7bb7 may be provid$ by fir/-class mail  
or electronically1 if ! borr[] has      
o!rwise cons5t$ to electronic           
communication ) ! s]vic] & has n revok$ 
su* cons5t4  7,,ii7 ,oral notification  
,any oral notification requir$ "u clause
 7i7 %all be provid$ 9 ! language !     
s]vic] o!rwise uses to communicate ) !  
borr[]4  7,,iii7 ,writt5 translations ,9
 provid+ writt5 notifications 9         
languages o!r ?an ,engli% "u subclause  
7,i71 a s]vic] may rely on writt5       
translations develop$ by ! ,f$]al ,h\s+ 
,f9ance ,ag5cy or ! ,bureau4  7,b7 ,o!r 

requirem5ts ,^u receiv+ a reque/ =      
=be>ance f a consum] "u p>agraph 7#c71 a
 s]vic] %all-- 7i7 ) no additional      
docum5tation requir$ o!r ?an ! borr[]'s 
atte/ation to a h>d%ip caus$ by ! decl>$
 disa/] & ) no fees1 int]e/1 or o!r     
p5alties *>g$ to ! borr[] 9 connection )
 ! =be>ance1 provide ! =be>ance = n less
 ?an #ahj days1 :i* may be ext5d$ = an  
additional #ahj days at ! reque/ ( !    
borr[]1 provid$ t1 at ! borr[]'s reque/1
 ei!r ! initial or ext5d$ p]iod (       
=be>ance may be %ort5$2  7ii7 :ile su*  
=be>ance is 9 effect1 pay or advance    
funds to make disbursem5ts 9 a timely   
mann] f any escr[ acc\nt e/abli%$ on !  
mortgage loan1 & ma9ta9 regul>          
communication ) su* borr[]2 &  7iii7    
7,i7 be=e ! end ( su* =be>ance1 evaluate
 ! borr[]'s ability to return to mak+   
regul> mortgage paym5ts2  7,,ii7 if !   
borr[] is able to return to mak+ regul> 
mortgage paym5ts at ! end ( ! =be>ance  
p]iod-- 7aa7 modify ! borr[]'s loan to  
ext5d ! t]m = ! same p]iod z ! l5g? ( ! 

=be>ance1 ) all paym5ts t 7 n made dur+ 
! =be>ance di/ribut$ at ! same int]vals 
z ! borr[]'s exi/+ paym5t s*$ule & ev5ly
 di/ribut$ across ^? int]vals1 ) no     
p5alties or additional int]e/ accru$ or 
modification fee *>g$ to ! borr[]2 &    
7bb7 notify ! borr[] 9 writ+ ( !        
ext5sion1 includ+ provision ( a new     
paym5t s*$ule & date ( maturity1 & t !  
borr[] %all h ! election ( prepay+ !    
=borne paym5ts at any "t1 9 a lump sum  
or o!rwise2  7,,iii7 if ! borr[] is     
f9ancially unable to return to mak+     
regul> mortgage paym5ts at ! end ( !    
=be>ance p]iod-- 7aa7 evaluate ! borr[] 
= all loan modification options1        
includ+-- 7,,aa7 fur!r ext5d+ ! borr[]'s
 repaym5t p]iod2 7,,bb7 r$uc+ ! pr9cipal
 balance ( ! loan2 or 7,,cc7 o!r        
modification options available to !     
s]vic] "u ! t]ms ( _! loan & exi/+ laws 
& policies2 &  7bb7 if ! borr[]         
qualifies = su* a modification1 modify !
 borr[]'s loan to provide a loan ) su*  
t]ms z to provide an af=dable paym5t1 ) 

no p5alties1 additional int]e/1 or      
modification fees *>g$ to ! borr[]2 &   
7,,iv7 if a borr[] is grant$ a =be>ance 
on paym5ts t w\ld be ow$ pursuant to a  
trial loan modification plan-- 7aa7 any 
=be>ance ( paym5ts %all n be treat$ z   
miss$ or del9qu5t paym5ts or o!rwise    
negatively affect ! borr[]'s ability to 
complete _! trial plan2 &  7bb7 any pa/ 
due am\nts z ( ! end ( ! trial p]iod1   
includ+ unpaid int]e/1 real e/ate taxes1
 insurance premiums1 & assessm5ts paid  
on ! borr[]'s behalf1 w be add$ to !    
mortgage loan balance1 b only to ! ext5t
 t su* *>ges are n fees associat$ ) !   
grant+ ( ! =be>ance1 su* z late fees1   
modification fees1 or unpaid int]e/ f ! 
p]iod ( ! =be>ance4  4