,,ii  #aaf? ,,congress  #b;d ,session   
,s4 #deai  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,augu/ #aj1 #bjbj,ms4  
,h>ris introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to provide mortgage relief & to
 provide eviction relief = r5t]s relat$ 
to ! ,,covid-#ai p&emic1 & = o!r        
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,r5t ,em]g5cies ,leave     
,impacts on ,evict$ ,families ,act or ! 
,,relief ,act4  #b4 ,mortgage relief    
7a7 ,%ort title ,?is section may be cit$
 z ! ,,covid-#ai ,mortgage ,relief ,act4
  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-- 7,a7 means   

any cr$it transaction t is secur$ by a  
mortgage1 de$ ( tru/1 or o!r equival5t  
cons5sual security int]e/ on-- 7i7 a #a-
 to #d-unit dwell+ or on resid5tial real
 prop]ty t includes a #a- to #d-unit    
dwell+2  7ii7 a manufactur$ home2 or    
7iii7 a cov]$ recreational vehicle2 &   
7,b7 does 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 ,! t]m
 cov]$ p]iod means ! #ab-mon? p]iod     
beg9n+ on ! date ( enactm5t ( ?is ,act4 
7#d7 ,cov]$ recreational vehicle ,! t]m 
cov]$ recreational vehicle means a      
recreational vehicle t is-- 7,a7 r5t$ or
 leas$ to a t5ant by ! own]2 &  7,b7    
occupi$ by ! t5ant z ! resid5ce ( !     
t5ant4  7#e7 ,manufactur$ home ,! t]m   
manufactur$ home has ! mean+ giv5 ! t]m 
9 section #fjc ( ! ,national            
,manufactur$ ,h\s+ ,con/ruction &       
,safety ,/&>ds ,act ( #aigd 7#db        
,u4,s4,c4 #edjb74  4  7#b7 ,automatic   
=be>ance = del9qu5t borr[]s ,section    

#djbb7;c7 ( ! ,,c>es ,act 7#ae ,u4,s4,c4
 #ijef7;c77 is am5d$ by ins]t+ aft]     
p>agraph 7#h71 z add$ by p>agraph 7#e7 (
 ?is subsection1 ! 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 ! reque/ ( ! borr[]1 oral or writt51 
submitt$ to ! s]vic] ( ! borr[] 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  7i7 ,9 g5]al ,) respect to a   
=be>ance provid$ "u ?is p>agraph1 !     
borr[] ( ! cov]$ mortgage loan may elect
 to cont9ue mak+ regul> paym5ts on !    
cov]$ mortgage loan4  7ii7 ,loss        
mitigation ,a borr[] :o makes an        
election describ$ 9 clause 7i7 %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  7i7 ,9 g5]al ,at !      
reque/ ( a borr[]1 any p]iod ( =be>ance 
provid$ to ! borr[] "u ?is p>agraph may 
be %ort5$4  7ii7 ,loss mitigation ,a    
borr[] :o makes a reque/ "u clause 7i7  
%all be (f]$ 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 t 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
 #f-mon? ext5sion (-- 7i7 ! mortgagee's 
deadl9e to reque/ due & payable /atus f 
! ,dep>tm5t ( ,h\s+ & ,urban            
,developm5t2  7ii7 ! mortgagee'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 #f-mon? p]iod        
describ$ 9 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 ! reque/ ( ! borr[]1 oral or  
writt51 submitt$ to ! s]vic] o ! borr[] 
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 ! reque/ ( a 
non-borr[+ sp\se1 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 ! reque/ ( a         
successor-9-int]e/ ( ! borr[]1 oral or  
writt51 submitt$ to ! s]vic] affirm+ !  
difficulty ( ! heir 9 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 t 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 = #f mon?s aft] ! date ( 
enactm5t ( ! ,,covid-#ai ,mortgage      
,relief ,act2 &  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$ure to repossess or  
o!rwise take possession ( ! prop]ty = ! 
#f-mon? p]iod beg9n+ on ! date (        
enactm5t ( ?is p>agraph4  4  7#d7       
,mortgage =be>ance re=ms ,section #djbb 
( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijef7 is
 am5d$-- 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 ! cov]$ mortgage loan1 reg>dless (   
del9qu5cy /atus1 by-- 7,a7 submitt+ a   
reque/1 orally or 9 writ+1 to ! s]vic] (
 ! cov]$ mortgage 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
 ! =be>ance %all be grant$ by ! s]vic] =
 ! p]iod reque/$ by ! borr[]1 up to an  
initial l5g? n m ?an #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 ( n m 
?an #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  7i7 ,9 g5]al ,at !      
reque/ ( a borr[]1 any p]iod ( =be>ance 
describ$ "u ?is p>agraph may be %ort5$4 
7ii7 ,loss mitigation ,a borr[] :o makes
 a reque/ "u clause 7i7 %all be (f]$ 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 ! pr9cipal & int]e/ paym5t ( ! borr[]
 "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$ 9 ?is section may be    
made 9 writ+ or orally1 at ! election ( 
! borr[]4  7#e7 ,communication ) borr[]s
 ) a disability  7,a7 ,9 g5]al ,^u      
reque/ f a borr[]1 s]vic]s %all         
communicate ) borr[]s :o h a disability 
9 ! pref]r$ me?od ( communication ( !   
borr[]4  7,b7 ,def9ition ,9 ?is         
p>agraph1 ! t]m disability has ! mean+  
giv5 ! t]m-- 7i7 h&icap 9 section #hjb (
 ! ,fair ,h\s+ ,act 7#db ,u4,s4,c4      
#cfjb72  7ii7 9 section #c ( ! ,am]icans
 ) ,disabilities ,act ( #aiij 7#db      

,u4,s4,c4 #abajb72 or  7iii7 section #g 
( ! ,rehabilitation ,act ( #aigc 7#bi   
,u4,s4,c4 #gje4  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 ! oral 
or writt5 affirmation ( ! borr[] 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 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 reque/ by ! borr[] =      
=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 = n m ?an #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 ! specific   

cov]$ mortgage loan ( ! borr[]2  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 ext5sion1 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 beg9n+ on !    
date t is #ij days aft] ! date ( !      
enactm5t ( ?is p>agraph & end+ on ! la/ 
day ( ! 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 _! web page accurate
 in=mation1 9 ,engli% & 9 ! top #aj mo/ 
widely spok5 languages us$ by limit$    
,engli% pr(ici5t borr[]s1 = 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 paym5t ( a      
borr[] 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 
7#ab ,u4,s4,c4 #bfje1 #bfji7 & 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$1 includ+ by automatic ext5sion1 a
 s]vic] %all1 n lat] ?an #cj days be=e !
 end ( ! =be>ance p]iod1 9 writ+1 notify
 ! borr[] t additional =be>ance may be  
available & h[ to reque/ su* =be>ance1  
except t no su* notice is requir$ :]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 ,n 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 !    
pr9cipal & int]e/ paym5t ( ! borr[]     
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-- 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>ages1  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 ! loss mitigation application (
 ! borr[]2 &  7,b7 ^u receipt ( a       
complete application or if1 despite !   
ex]cise by ! s]vic] ( reasonable        
dilig5ce1 ! loss mitigation application 
rema9s incomplete #fj days aft] ! notice
 9 p>agraph 7#b77;,a7 is s5t-- 7i7      
conduct an evaluation ( ! complete or   
incomplete loss mitigation application  
)\t ref]5ce to :e!r ! borr[] has        
previ\sly submitt$ a complete loss      
mitigation application2 &  7ii7 (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 ( an
 application ( a borr[] z duplicative or
 = a r$uction 9 ! appeal rights ( !     
borr[] "u ,regulation ,x 9 "p #ajbd (   

title #ab1 ,code ( ,f$]al ,regulations1 
9 reg>d to any loss mitigation          
application submitt$ 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$]al ,h\s+ ,adm9i/ration %all be deem$
 to comply ) ! requirem5ts ( p>agraph   
7#a77;,b7 if ! loss mitigation option-- 
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\nts2 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 pr9cipal4  7#f7  
,home ret5tion options = c]ta9 rev]se   
mortgage loans  7,a7 ,9 g5]al ,= a cov]$
 mortgage loan t is also a f$]ally      
insur$ rev]se mortgage loan1 ! conduct (

 a s]vic] %all be deem$ to comply ) ?is 
section1 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 ! all[able home ret5tion      
options ( ! ,secret>y to p]mit a        
repaym5t plan ( n m ?an #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+ !         
eligibility ( a borr[] = relief         
eligibility = relief1 ! ,secret>y %all  
make all eligibility decisions bas$ on !
 h\sehold income1 exp5ses1 &            
circum/ances ( ! borr[]4  7#b7 ,dur+ any
  2  7iii7 by r$esignat+ subsection 7b7 
z subsection 7c72 &  7iv7 by ins]t+ aft]
 subsection 7a7 ! foll[+3  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 ! ,,covid-#ai ,mortgage ,relief   
,act1 ! ,secret>y %all det]m9e :e!r !   
borr[] c reasonably resume mak+ pr9cipal
 & int]e/ paym5ts aft] ! ,secret>y      
modifies ! loan obligation ( ! borr[]   
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$-- 7,a7 9
 ! section head+1 by /rik+ ,f$]ally     
back$ loans2  7,b7 by /rik+ ,f$]ally    
back$ multifamily mortgage loan ea*     
place t t]m appe>s & ins]t+ multifamily 
mortgage loan2  7,c7 9 subsection 7b71  
by /rik+ dur+ & ins]t+ due1 directly or 
indirectly1 to2  7,d7 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$ 9 section     
#djbd7;b74  2  7,e7 by r$esignat+       

subsection 7f7 z subsection 7g72  7,f7  
by ins]t+ aft] subsection 7e7 ! foll[+3 
7f7 ,treatm5t aft] =be>ance  7#a7 ,9    
g5]al ,) respect to a multifamily       
mortgage loan provid$ a =be>ance "u ?is 
section1 ! s]vic] ( ! loan-- 7,a7 %all  
provide ! borr[] ) a #ab-mon? p]iod     
beg9n+ at ! end ( ! =be>ance to become  
curr5t on ! paym5ts "u ! 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 ! paym5ts
 are made be=e ! end ( ! #ab-mon? p]iod2
 &  7,c7 may n report any adv]se        
in=mation to a cr$it rat+ ag5cy 7z def9$
 9 section #fjc ( ! ,fair ,cr$it        
,report+ ,act 7#ab ,u4,s4,c4 #afha;a77 )
 respect to any paym5ts on ! loan t 7   
due dur+ ! =be>ance p]iod1 if ! paym5ts 
are made be=e ! end ( ! #ab-mon? p]iod4 
7#b7 ,p5alty ,a violation ( p>agraph    
7#a77;,c7 %all be treat$ z a violation (
 ! ,fair ,cr$it ,report+ ,act 7#ae      
,u4,s4,c4 #afja et seq47 = purposes (   
subsections 7a7 & 7b7 ( section #fba ( t

 ,act 7#ae ,u4,s4,c4 #afhas7 7relat+ to 
adm9i/rative en=cem5t by ,f$]al         
ag5cies74  2 &  7,g7 9 subsection 7g71 z
 s r$esignat$-- 7i7 9 p>agraph 7#b7--   
7,i7 9 ! p>agraph head+1 by /rik+       
,f$]ally back$ multifamily & ins]t+     
,multifamily2  7,,ii7 by /rik+ t-- & all
 t foll[s ?r\gh 7,a7 is secur$ by &     
ins]t+ t is secur$ by2  7,,iii7 by /rik+
 2 & & ins]t+ a p]iod2 &  7,,iv7 by     
/rik+ subp>agraph 7,b72 &  7ii7 by am5d+
 p>agraph 7#e7 to read z foll[s3  7#e7  
,cov]$ p]iod ,! t]m cov]$ p]iod has !   
mean+ giv5 ! t]m 9 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 evict1   
initiate1 or file & execute ! 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--   
7,i7 %all be deem$ n to h violat$ any   
duty or contractual obligation ow$ to   
inve/ors or o!r p>ties reg>d+ ^?        
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 7#ae      
,u4,s4,c4 #ijef1 #ijeg7 to borr[]s1     
respectively1 on cov]$ or multifamily   
mortgage loans t ! s]vic] s]vices2 &    
7,,ii7 %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 ,act 7#ae ,u4,s4,c4 #ijef1   
#ijeg71 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 (
 ! coop]ation ( ! s]vic] ) 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 7#ae ,u4,s4,c4   
#ijef1 #ijeg7 to borr[]s1 respectively1 
on all cov]$ or multifamily mortgage    
loans s]vic$ by ! s]vic]4  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]m 9 section #djbb7;a7 ( !
 ,,c>es ,act 7#ae ,u4,s4,c4 #ijef7;a774 
7ii7 ,cov]$ p]iod ,! t]m cov]$ p]iod has

 ! mean+ giv5 t t]m 9 section #djbc7;g7 
( ! ,,c>es ,act 7#ae ,u4,s4,c4          
#ijeg7;g774  7iii7 ,multifamily mortgage
 loan ,! t]m multifamily mortgage loan  
has ! mean+ giv5 ! t]m 9 section        
#djbc7;g7 ( ! ,,c>es ,act 7#ae ,u4,s4,c4
 #ijeg7;g774  7iv7 ,s]vic] ,! t]m       
s]vic]-- 7,i7 has ! mean+ giv5 ! t]m 9  
section #f7;i7 ( ! ,real ,e/ate         
,settlem5t ,proc$ures ,act ( #aigd 7#ab 
,u4,s4,c4 #bfje7;i772 &  7,,ii7 means a 
ma/] s]vic] & a subs]vic]1 z ^? t]ms are
 def9$ 9 section #ajbd4ca ( title #ab1  
,code ( ,f$]al ,regulations4  7v7       
,securitization vehicle ,! t]m          
securitization vehicle has ! mean+ giv5 
t t]m 9 section #abi;,a7f7 ( ! ,tru? 9  
,l5d+ ,act 7#ae ,u4,s4,c4 #afci;a7f774  
7#aa7 ,am5dm5ts to ,national ,h\s+ ,act 
,section #cjf7;g77#a7 ( ! ,national     
,h\s+ ,act 7#ab ,u4,s4,c4 #agba7;g77#a77
 is am5d$-- 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#ae ,u4,s4,c4 #ijdb7;a77 
& to any su* mortgage or mortgages or   
any int]e/ !re9 & ! proce$s !reon1 :i* !
 ,association may elect to approve2 &   
7,b7 9 ! six? s5t5ce-- 7i7 by /rik+ or  
7,c7 & ins]t+ 7,c72 &  7ii7 by ins]t+   
be=e ! p]iod ! foll[+3 1 or 7,d7 its    
approval & honor+ ( any pl$ge or grant (
 security int]e/ ( ! ,f$]al ,res]ve "u  
section #djjc7;a7 ( ! ,,c>es ,act 7#ae  
,u4,s4,c4 #ijdb7;a77 & to any su*       
mortgage or mortgages or any int]e/ !re9
 & proce$s !reon44  7#ab7 ,bankruptcy   
protections  7,a7 ,bankruptcy           
,protections = ,f$]al ,coronavirus      
,relief ,paym5ts ,section #eda7;b7 (    
title #aa1 ,unit$ ,/ates ,code1 is      
am5d$-- 7i7 9 p>agraph 7#i71 9 ! matt]  
foll[+ subp>agraph 7,b71 by /rik+ or2   
7ii7 9 p>agraph 7#aj77;,c71 by /rik+ !  
p]iod at ! end & ins]t+ 2 or2 &  7iii7  
by ins]t+ aft] p>agraph 7#aj7 ! foll[+3 
7#aa7 paym5ts made "u ,f$]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$-- 7i7 9 subsection     
7d77#a71 by /rik+ #ae1jjj & ins]t+      
#ajj1jjj2 &  7ii7 by add+ at ! end !    
foll[+3  7r7 ,not)/&+ any o!r provision 
( applicable nonbankruptcy law1 a debtor
 9 any ,/ate may exempt f prop]ty ( !   
e/ate ! prop]ty describ$ 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 
:o 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$-- 7i7 by /rik+ #bej1jjj 
ea* place ! t]m appe>s & ins]t+         
#hej1jjj2 &  7ii7 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  7i7 ,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  7ii7     
,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  7iii7 ,application ,! am5dm5ts made
 by ?is p>agraph %all apply only to any 
case "u title #aa1 ,unit$ ,/ates ,code1 
comm5c$ or p5d+ dur+ ! #c-ye> p]iod     
beg9n+ on ! date ( enactm5t ( ?is ,act 9
 :i* a plan "u *apt] #ac ( title #aa1   
,unit$ ,/ates ,code1 0 n confirm$ be=e  
,m>* #bg1 #bjbj4  7#ac7 ,liquidity =    
mortgage s]vic]s & resid5tial r5tal     
prop]ty own]s  7,a7 ,9 g5]al ,section   
#djjc ( ! ,,c>es ,act 7#ae ,u4,s4,c4    
#ijdb7 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$
 9 section #djbb7 & multifamily mortgage
 loans 7z def9$ 9 section #djbc7 are    
provid$-- 7,a7 ! opportunity to         
p>ticipate 9 ! loans1 loan gu>antees1 or
 o!r inve/m5ts made by ! ,secret>y "u   
?is section2 &  7,b7 ) 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$ures to ensure t =be>ance &        
po/-=be>ance assi/ance is available to  
all borr[]s 9 a non-discrim9atory fa%ion
 & 9 compliance ) ! ,fair ,h\s+ ,act    
7#db ,u4,s4,c4 #cfja et seq471 ! ,equal 
,cr$it ,opportunity ,act 7#ae ,u4,s4,c4 
#afia et seq471 & 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  7,b7    
,cr$it facility = resid5tial r5tal      
prop]ty own]s  7i7 ,9 g5]al ,! ,bo>d (  
,gov]nors ( ! ,f$]al ,res]ve ,sy/em     
%all-- 7,i7 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$uctions 9 r5t paym5ts2
 &  7,,ii7 def] su* own]s' requir$      
paym5ts on su* loans until aft] #f mon?s
 aft] ! date ( enactm5t ( ?is ,act4     
7ii7 ,requirem5ts ,a borr[] t receives a
 loan "u ?is subp>agraph may n1 = !     
duration ( ! loan-- 7,i7 evict1         
initiate1 or file & execute ! eviction (
 a t5ant solely = nonpaym5t ( r5t or o!r
 fees or *>ges2  7,,ii7 *>ge any late   
fees1 p5alties1 or o!r *>ges to a t5ant 
= late paym5t ( r5t2 &  7,,iii7 )       
respect to a p]son or entity describ$ 9 
clause 7iv71 discrim9ate on ! basis (   
s\rce ( income4  7iii7 ,report on       
resid5tial r5tal prop]ty own]s ,! ,bo>d 
( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em   
%all issue a report to ,congress conta9+
 ! foll[+1 ) respect to ea* prop]ty own]
 receiv+ a loan "u ?is subp>agraph3 7,i7
 ,! numb] ( borr[]s t receiv$ assi/ance 
"u ?is subp>agraph4  7,,ii7 ,! av]age   
total loan am\nt t ea* borr[] receiv$4  

7,,iii7 ,! total numb] ( r5tal units t  
ea* borr[] own$4  7,,iv7 ,! av]age r5t  
*>g$ by ea* borr[]4  7iv7 ,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,i7 m ?an #ajj r5tal 
units t are locat$ )9 a s+le            
metropolitan /ati/ical area2  7,,ii7 m  
?an #a1jjj r5tal units 9 ! ,unit$       
,/ates2 or  7,,iii7 r5tal units 9 #c or 
m ,/ates4  7,c7 ,mortgage p]=mance data 
,section #djjc7;c7 ( ! ,,c>es ,act 7#ae 
,u4,s4,c4 #ijdb7;c77 is am5d$ by add+ at
 ! end ! foll[+3  7#d7 ,mortgage        
p]=mance data  7,a7 ,mon?ly report  7i7 
,9 g5]al ,a s]vic] ( a resid5tial       
mortgage loan receiv+ a loan1 loan      
gu>antee1 or any o!r inve/m5t "u ?is    
section %all1 beg9n+ 9 ! fir/ mon? 9 :i*
 ! loan1 loan gu>antee1 or inve/m5t 0   
receiv$1 collect & provide loan-level   
data to ! ,bureau ( ,consum] ,f9ancial  

,protection on a mon?ly basis ) respect 
all resid5tial mortgage loans s]vic$ by 
! s]vic]4  7ii7 ,cont5ts ,ea* mon?ly    
report requir$ "u ?is subp>agraph %all  
conta9 id5tify+ in=mation & loan        
p]=mance data = ! mo/ rec5t mon? z well 
z cumulative data s9ce ! s]vic] began   
report+ "u ?is p>agraph4  7iii7 ,"t     
p]iod = reports ,reports "u ?is p>agraph
 %all be provid$ by a s]vic] e mon? 9   
:i* a loan1 loan gu>antee1 or any o!r   
inve/m5t "u ?is section has be5 receiv$ 
& = #b ye>s foll[+ su* receipt4  7,b7   
,id5tify+ in=mation ,ea* mon?ly report  
requir$ "u subp>agraph 7,a7 %all include
 ! foll[+ loan-level id5tify+ in=mation3
 7i7 ,demographic data1 = ea* borr[]1   
includ+ race1 e?nicity1 sex1 & age4     
7ii7 ,! location ( ! prop]ty1 includ+ by
 ,/ate1 metropolitan /ati/ical area1    
po/al code1 c5sus tract1 & metropolitan 
division1 if applicable4  7iii7 ,loan   
orig9ation in=mation1 includ+ orig9al   
unpaid pr9cipal balance1 orig9al int]e/ 
rate1 fir/ paym5t date1 orig9al loan    

t]m1 & li5 /atus 7fir/ or subord9ate74  
7iv7 ,loan type & type ( loan pur*as]1 z
 describ$ 9 section #cjd ( ! ,home      
,mortgage ,disclosure ,act ( #aige 7#ab 
,u4,s4,c4 #bhjc7 & ! rules issu$ to c>ry
 out t section4  7,c7 ,loan p]=mance    
data ,ea* mon?ly report requir$ "u      
subp>agraph 7,a7 %all include ! foll[+  
loan-level loan p]=mance data3 7i7      
,curr5t loan in=mation1 includ+ curr5t  
actual unpaid pr9cipal balance1 curr5t  
int]e/ rate1 curr5t loan del9qu5cy /atus
 7bas$ on ! numb] ( days ! borr[] is    
del9qu5t 9 paym5ts bas$ on ! due date ( 
! la/ paid loan paym5t71 loan p]=mance  
/atus 7includ+ curr5t1 =be>ance1        
repaym5t plan1 ref]r$ to =eclosure1     
trial modification1 p]man5t             
modification1 or =eclos$71 & ! date ( ! 
ev5t lead+ to su* /atus4  7ii7 ,loss    
mitigation in=mation1 includ+-- 7,i7    
:e!r ! loan is curr5tly be+ evaluat$ =  
loss mitigation1 & if s ! date ^u :i* ! 
curr5t loss mitigation process 0        
initiat$ & ! date ( complete            

application1 if any2  7,,ii7 !          
disposition ( any previ\s loss          
mitigation evaluation report$ pursuant  
to subclause 7,i7 & ! date (            
disposition1 includ+-- 7aa7 d5i$2  7bb7 
tempor>y or %ort-t]m agreem5t1 su* z a  
repaym5t agreem5t or =be>ance1 & ! l5g? 
( su* agreem5t 79 mon?s72  7cc7 trial   
loan modification2  7dd7 p]man5t loan   
modification2 or  7ee7 o!r type ( loss  
mitigation2 &  7,,iii7 = ea* p]man5t    
modification-- 7aa7 :e!r ! p]man5t      
modification includ$ #a or m (-- 7,,aa7 
additions ( del9qu5t paym5ts & fees to  
loan balances2 7,,bb7 int]e/ rate       
r$uctions & freezes2 7,,cc7 t]m         
ext5sions2 7,,dd7 r$uctions ( pr9cipal2 
or 7,,ee7 def]rals ( pr9cipal2 &  7bb7  
:e!r ! total mon?ly pr9cipal & int]e/   
paym5t1 z a result ( ! p]man5t          
modification-- 7,,aa7 increas$2 7,,bb7  
rema9$ ! same2 7,,cc7 decreas$ less ?an 
#aj p]c5t2 7,,dd7 decreas$ betwe5 #aj & 
#bj p]c5t2 or 7,,ee7 decreas$ #bj p]c5t 
or m4  7,d7 ,=be>ance data ,ea* mon?ly  

report requir$ "u subp>agraph 7,a7 %all 
include1 ) respect to ea* loan = :i* a  
=be>ance has be5 report$ "u subp>agraph 
7,c77i71 =be>ance-specific data1        
includ+-- 7i7 ! total mon?s ( total     
=be>ance grant$ to date2 &  7ii7 ! numb]
 ( r5ewals ( =be>ance to date4  7,e7    
,public availability ( aggregate data   
7i7 ,9 g5]al ,us+ data submitt$ by      
s]vic]s "u ?is p>agraph1 ! ,director ( !
 ,bureau ( ,consum] ,f9ancial           
,protection %all make available         
aggregate data by s]vic] = ea* ,/ate1   
metropolitan /ati/ical area1 &          
metropolitan division1 z def9$ by !     
,(fice ( ,managem5t & ,budget4 ,su*     
aggregate data %all be provid$ mon?ly by
 ! ,director to ,congress & po/$ on !   
website ( ! ,bureau ( ,consum] ,f9ancial
 ,protection4  7ii7 ,exception = c]ta9  
p]sonally id5tifiable data ,if aggregate
 data describ$ "u clause 7i7 is         
none!less reasonably p]sonally          
id5tifiable1 ! ,director may report !   
aggregate data by s]vic] on ! next l>g] 

geographic unit 7su* t1 = example1 data 
w\ld n be report$ by municipal division 
b only by metropolitan /ati/ical area & 
,/ate74  7,f7 ,implem5tation ,!         
,director ( ! ,bureau ( ,consum]        
,f9ancial ,protection %all1 )9 #fj days 
( ! date ( enactm5t ( ?is p>agraph1 & 9 
consultation ) ! ,director ( ! ,f$]al   
,h\s+ ,f9ance ,ag5cy & ! ,comptroll] ( !
 ,curr5cy1 prescribe ! =mat & me?od (   
submission ( ! data requir$ "u ?is      
p>agraph4 ,! ,director ( ! ,bureau may  
prescribe rules = ! collection ( ! data 
9 ord] to ensure accuracy1 transp>5cy1 &
 complete data collection1 includ+ !    
collection & report+ ( additional data  
elem5ts1 b may n require report+ ( few] 
data elem5ts ?an prescrib$ by ?is       
p>agraph nor less frequ5t report+ ?an   
requir$ by ?is p>agraph4  7,g7          
,def9itions ,9 ?is p>agraph3 7i7        
,resid5tial mortgage loan ,! t]m        
resid5tial mortgage loan has ! mean+    
giv5 ! t]m 9 section #ajc ( ! ,tru? 9   
,l5d+ ,act 7#ae ,u4,s4,c4 #afjb74  7ii7 

,s]vic] ,! t]m s]vic] has ! mean+ giv5 !
 t]m 9 section #f ( ! ,real ,e/ate      
,settlem5t ,proc$ures ,act ( #aigd 7#ab 
,u4,s4,c4 #bfje74  4  7#ad7 ,small      
prop]ty own] grant program  7,a7        
,def9itions ,9 ?is p>agraph3 7i7        
,,covid-#ai em]g5cy p]iod ,! t]m        
,,covid-#ai em]g5cy p]iod means ! p]iod 
9 :i* ! national em]g5cy conc]n+ ! novel
 ,coronavirus disease 7,,covid-#ai7     
outbreak decl>$ by ! ,presid5t on ,m>*  
#ac1 #bjbj1 "u ! ,national ,em]g5cies   
,act 7#ej ,u4,s4,c4 #afja et seq47 is 9 
effect4  7ii7 ,secret>y ,! t]m ,secret>y
 means ! ,secret>y ( ,h\s+ & ,urban     
,developm5t4  7iii7 ,small prop]ty own] 
,! t]m small prop]ty own] means an own] 
( n m ?an #aj resid5tial prop]ties4     
7,b7 ,grant program ,! ,secret>y %all   
e/abli% a program to aw>d grants to     
,/ate & local h\s+ f9ance ag5cies to    
provide assi/ance to small prop]ty      
own]s4  7,c7 ,eligible small prop]ty    
own]s ,to be eligible = assi/ance       
provid$ "u ?is p>agraph1 a small prop]ty

 own] %all submit pro( ( h>d%ip to !    
,/ate or local h\s+ f9ance ag5cy1 z     
applicable1 :i* %all provide t1 dur+ !  
,,covid-#ai em]g5cy p]iod-- 7i7 t5ants (
 dwell+ units 9 ! resid5tial prop]ties  
own$ by ! small prop]ty own] h be5      
unable to pay r5t2 &  7ii7 ! small      
prop]ty own] has n evict$ any su*       
t5ants4  7,d7 ,prohibitions  7i7        
,private equity1 real e/ate1 or v5ture  
capital firms ,any private equity firm1 
real e/ate firm1 or v5ture capital firm 
t has accept$ fund+ f an inve/m5t       
company1 z su* t]m is def9$ 9 section   
#c7;a7 ( ! ,inve/m5t ,company ,act (    
#aidj 7#ae ,u4,s4,c4 #hj;a-#c7;a771 %all
 n be eligible =-- 7,i7 a grant "u ?is  
section2 or  7,,ii7 a loan1 loan        
gu>antee1 or o!r inve/m5t made by !     
,secret>y ( ! ,treasury "u section #djjc
 ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijdb71 
z am5d$ by ?is section4  7ii7           
,undevelop$ or un9habit$ prop]ties ,a   
small prop]ty own] may n receive any    
funds "u ?is p>agraph ) respect to any  

undevelop$ prop]ty1 plot ( l&1 or       
un9habit$ prop]ty own$ by ! small       
prop]ty own]4  7iii7 ,r5t paym5ts ,a    
small prop]ty own] t receives a grant ) 
respect to a prop]ty "u ?is p>agraph may
 n require t5ants ( ! prop]ty to make   
r5tal paym5ts = ! duration ( ! grant4   
7,e7 ,au?orization ( appropriations ,!re
 is au?oriz$ to be appropriat$ to !     
,secret>y #a1jjj1jjj1jjj = fiscal ye>   
#bjbj1 to rema9 available until         
,septemb] #cj1 #bjba1 to c>ry out ?is   
p>agraph4  #c4 ,exp&$ eviction relief = 
r5t]s "u ! ,,c>es ,act ,section #djbd ( 
! ,,c>es ,act 7#ae ,u4,s4,c4 #ijeh7 is  
am5d$-- 7#a7 9 subsection 7a7-- 7,a7 by 
am5d+ p>agraph 7#a7 to read z foll[s3   
7#a7 ,cov]$ 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
 "u ,/ate law4  2  7,b7 by /rik+        
p>agraphs 7#b71 7#d71 & 7#e72  7,c7 by  
r$esignat+ p>agraph 7#c7 z p>agraph     
7#b72 &  7,d7 9 p>agraph 7#b77;,b71 z s 

r$esignat$-- 7i7 by /rik+ includes h\ses
 & ins]t+ ! foll[+3 includes-- 7i7 h\ses
  2  7ii7 9 clause 7i71 z s designat$1  
by /rik+ ! p]iod at ! end & ins]t+ a    
semicolon2 &  7iii7 by add+ at ! end !  
foll[+3  7ii7 a manufactur$ home1 z     
def9$ 9 section #djbb2 &  7iii7 a cov]$ 
recreational vehicle1 z def9$ 9 section 
#djbb4  2 &  7#b7 9 subsection 7b71 by  
/rik+ #abj-;day p]iod & ins]t+ #cfe-;day
 p]iod44  #d4 ,r5t]'s & home[n]'s rights
  7a7 ,def9itions ,9 ?is section3 7#a7  
,cov]$ dwell+ ,! t]m cov]$ dwell+ has ! 
mean+ giv5 ! t]m 9 section #djbd ( !    
,,c>es ,act 7#ae ,u4,s4,c4 #ijeh74  7#b7
 ,,covid-#ai em]g5cy p]iod ,! t]m       
,,covid-#ai em]g5cy p]iod means ! p]iod 
9 :i* ! national em]g5cy conc]n+ ! novel
 ,coronavirus disease 7,,covid-#ai7     
outbreak decl>$ by ! ,presid5t on ,m>*  
#ac1 #bjbj1 "u ! ,national ,em]g5cies   
,act 7#ej ,u4,s4,c4 #afja et seq47 is 9 
effect4  7#c7 ,secret>y ,! t]m ,secret>y
 means ! ,secret>y ( ,h\s+ & ,urban     
,developm5t4  7#d7 ,/ate ,! t]m ,/ate   

means any ,/ate ( ! ,unit$ ,/ates1 !    
,di/rict ( ,columbia1 any t]ritory ( !  
,unit$ ,/ates1 ! ,commonweal? ( ,pu]to  
,rico1 ,guam1 ,am]ican ,samoa1 ! ,virg9 
,isl&s1 & ! ,commonweal? ( ! ,nor!rn    
,m>iana ,isl&s4  7b7 ,grant program ,to 
provide t5ants ) "r to attorney  7#a7 ,9
 g5]al ,! ,secret>y %all provide grants 
to ,/ates t provide a "r to legal       
assi/ance = t5ants fac+ eviction 9 h\s+ 
c\rts 9 violation ( ! eviction          
moratorium describ$ 9 section #djbd ( ! 
,,c>es ,act 7#ae ,u4,s4,c4 #ijeh74  7#b7
 ,report ,a ,/ate t receives a grant "u 
?is section %all provide to ! ,secret>y 
p]iodic reports on ! use ( funds "u !   
grant4  7#c7 ,rule ( con/ruction ,no?+ 9
 ?is subsection %all be con/ru$ z       
modify+1 limit+1 or sup]s$+ ! op]ation (
 any provision ( an enum]at$ ,f$]al     
consum] law t relates to ! au?ority ( a 
,/ate attorney g5]al or ,/ate regulator 
to en=ce su* ,f$]al law4  7#d7          
,au?orization ( appropriations ,!re is  
au?oriz$ to be appropriat$ to !         

,secret>y #be1jjj1jjj = fiscal ye>      
#bjbj1 to rema9 available until exp5d$1 
to make grants "u ?is subsection4  7c7  
,private "r ( action ,a t5ant t resides 
9 any cov]$ dwell+ may br+ a civil      
action aga9/ a l&lord or manag+ ag5t =  
injunctive relief1 direct money damages1
 or o!r relief if ! l&lord or manag+    
ag5t is 9 violation ( ,f$]al1 ,/ate1 or 
local eviction moratorium laws1 includ+ 
"u section #djbd ( ! ,,c>es ,act 7#ae   
,u4,s4,c4 #ijeh74  7d7 ,repaym5t ,a     
resid5tial t5ant ( a cov]$ dwell+ unit  
or a comm]cial t5ant may repay any      
unpaid r5t dur+ ! ,,covid-#ai em]g5cy   
p]iod-- 7#a7 ov] an #ah-mon? p]iod1 )   
respect to a resid5tial t5ant1 beg9n+ on
 ! date ( enactm5t ( ?is ,act2 or  7#b7 
ov] a #c-mon? p]iod1 ) respect to a     
comm]cial t5ant1 beg9n+ on ! date (     
enactm5t ( ?is ,act4  7e7 ,cr$it report+
 ,! ,fair ,cr$it ,report+ ,act 7#ae     
,u4,s4,c4 #afja et seq47 is am5d$-- 7#a7
 9 section #fje7;a71 by add+ at ! end ! 
foll[+3  7#i7 ,any eviction1 unpaid r5t1

 or o!r debt ) respect to a consum]     
occurr+ dur+ ! cov]$ p]iod1 z def9$ 9   
section #fbc7;a77#a77;,g74  2 &  7#b7 9 
section #fbc7;a77#a7 7#ae ,u4,s4,c4     
#afhas-#b71 by add+ at ! end ! foll[+3  
7,g7 ,report+ ( evictions or unpaid r5t 
dur+ ,,covid-#ai p&emic  7i7 ,def9itions
 ,9 ?is subp>agraph1 t]m cov]$ p]iod has
 ! mean+ giv5 ! t]m 9 subp>agraph 7,f74 
7ii7 ,prohibition on report+ ,a l&lord (
 any resid5tial dwell+1 includ+ a       
manufactur$ home or a cov]$ recreational
 vehicle 7z ^? t]ms are def9$ 9 section 
#djbb ( ! ,,c>es ,act 7#ae ,u4,s4,c4    
#ijef77 %all n report any eviction1     
unpaid r5t1 or o!r debt occurr+ dur+ !  
cov]$ p]iod ) respect to a consum] to   
any furni%] or consum] report+ ag5cy4  4
  7f7 ,r5t increases ,! own] or         
managem5t company ( a cov]$ dwell+ 7z   
def9$ 9 section #djbd ( ! ,,c>es ,act   
7#ae ,u4,s4,c4 #ijeh7 or any s]vic] ( a 
cov]$ mortgage loan 7z def9$ 9 section  
#djbb ( ! ,,c>es ,act 7#ae ,u4,s4,c4    
#ijef77 %all n1 dur+ ! #a-ye> p]iod     

foll[+ ! date ( enactm5t ( ?is ,act1    
increase ! r5t on any dwell+ unit ( su* 
a cov]$ dwell+ 9 an am\nt t is m ?an !  
rate ( inflation4  7g7 ,allocation (    
funds = h\s+ legal aid & h\s+ c\nsel+   
7#a7 ,h\s+ legal aid  7,a7 ,9 g5]al ,!  
,secret>y %all provide grants to h\s+   
legal aid organizations t t>get s]vices 
to m9ority & l[- & mod]ate-income 7z    
def9$ by ! ,secret>y7 home[n]s1 r5t]s1  
individuals exp]i5c+ homelessness1 &    
individuals at risk ( exp]i5c+          
homelessness or provide ^? s]vices 9    
neighborhoods 9 ! ,unit$ ,/ates ) high  
conc5trations ( ^? individuals4  7,b7   
,report ,a h\s+ legal aid organization t
 receives a grant "u ?is subsection %all
 provide to ! ,secret>y p]iodic reports 
on ! use ( funds "u ! grant4  7,c7      
,au?orization ( appropriations ,!re is  
au?oriz$ to be appropriat$ to !         
,secret>y = fiscal ye> #bjbj1 to rema9  
available until exp5d$1 #ejj1jjj1jjj =  
grants provid$ "u ?is p>agraph = h\s+   
legal aid s]vices4  7#b7 ,h\s+ c\nsel+  

7,a7 ,au?orization ( appropriations ,!re
 is au?oriz$ to be appropriat$ to !     
,neighborhood ,re9ve/m5t ,corporation   
e/abli%$ "u ! ,neighborhood ,re9ve/m5t  
,corporation ,act 7#db ,u4,s4,c4 #haja  
et seq47 #gjj1jjj1jjj = fiscal ye>      
#bjbj1 :i* %all rema9 available until   
,septemb] #cj1 #bjbc1 to provide funds  
to c\nsel+ organizations = h\s+ c\nsel+ 
s]vices4  7,b7 ,eligible uses ,subject  
to subp>agraph 7,c71 am\nts made        
available "u subp>agraph 7,a7 may be us$
 9 su* am\nts z ! ,neighborhood         
,re9ve/m5t ,corporation det]m9es = !    
co/s (-- 7i7 public education & outrea*2
  7ii7 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  7iii7 equipm5t & te*nology1   
includ+ broadb& int]net & equipm5t      
upgrades ne$$ to ensure timely &        
effective s]vice deliv]y2  7iv7 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 &  7v7      
adm9i/ration & ov]sight ( ! grant       
program 9 accordance ) ! rate ( !       
,corporation = program adm9i/ration4    
7,c7 ,prioritization ( h\s+ c\nsel+     
s]vices ,( am\nts made available "u     
subp>agraph 7,a71 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  7h7 ,notice ( eviction   
aft] ! conclusion ( ! moratorium ,on &  
aft] ! date on :i* ! eviction moratorium
 "u #djbd ( ! ,,c>es ,act 7#ae ,u4,s4,c4
 #ijeh7 expires1 ! own] ( a cov]$ dwell+
 7z def9$ 9 t section7 %all provide     
notice to a t5ant n less ?an #abj days  
be=e fil+ an eviction aga9/ ! t5ant4    
7i7 ,taxability ,= purposes ( ! ,int]nal
 ,rev5ue ,code ( #aihf1 any am\nt :i* 7b
 = a provision ( ?is ,act or an am5dm5t 
made by ?is ,act7 w\ld be includible 9  
gross income ( a p]son by reason (      
=giv5ess ( a requir$ r5t or mortgage    
paym5t %all be exclud$ f gross income4  
#e4 ,assi/ance = home en]gy s]vice &    
h\sehold dr9k+ wat] & wa/ewat] s]vices  
7a7 ,def9itions ,9 ?is section3 7#a7    
,home en]gy s]vice ,! t]m home en]gy    
s]vice means a s]vice to provide home   
en]gy1 z su* t]m is def9$ 9 section     
#bfjc ( ! ,l[-,income ,home ,en]gy      
,assi/ance ,act ( #aiha 7#db ,u4,s4,c4  

#hfbb71 & electric s]vice1 z t t]m is   
us$ 9 ! ,public ,utility ,regulatory    
,policies ,act ( #aigh 7#af ,u4,s4,c4   
#bfja et seq474  7#b7 ,h\sehold dr9k+   
wat] & wa/ewat] s]vices ,! t]m h\sehold 
dr9k+ wat] & wa/ewat] s]vices has !     
mean+ giv5 t t]m 9 section              
#adei;,a7a77#b7 ( ! ,safe ,dr9k+ ,wat]  
,act 7#db ,u4,s4,c4                     
#cjj;j-#ai;a7a77#b774  7#c7 ,indian     
,tribe ,! t]m ,indian ,tribe-- 7,a7 us$ 
) respect to assi/ance = home en]gy1    
means-- 7i7 an ,indian tribe )9 ! mean+ 
( section #bfjd7;d7 ( ! ,l[-,income     
,home ,en]gy ,assi/ance ,act ( #aiha    
7#db ,u4,s4,c4 #hfbc7;d772 &  7ii7 an   
entity t is eligible to receive funds "u
 t section on behalf ( an ,indian tribe 
describ$ 9 clause 7i72 &  7,b7 us$ )    
respect to assi/ance = h\sehold dr9k+   
wat] & wa/ewat] s]vices1 means any      
,indian ,tribe1 b&1 gr\p1 or community  
recogniz$ by ! ,secret>y ( ! ,int]ior & 
ex]cis+ gov]nm5tal au?ority ov] a ,f$]al
 ,indian res]vation1 z def9$ 9 section  

#eah7;h7 ( ! ,f$]al ,wat] ,pollution    
,control ,act 7#cc ,u4,s4,c4 #acgg74    
7#d7 ,municipality ,! t]m municipality  
has ! mean+ giv5 su* t]m 9 section #ejb 
( ! ,f$]al ,wat] ,pollution ,control    
,act 7#cc ,u4,s4,c4 #acfb74  7#e7       
,public heal? em]g5cy ,! t]m public     
heal? em]g5cy means ! public heal?      
em]g5cy describ$ 9 section              
#aace7;g77#a77;,b7 ( ! ,social ,security
 ,act 7#db ,u4,s4,c4                    
#acbj;b-#e7;g77#a77;,b774  7#f7 ,public 
heal? em]g5cy p]iod ,! t]m public heal? 
em]g5cy p]iod has ! mean+ giv5 ! t]m    
em]g5cy p]iod 9 t section               
#aace7;g77#a77;,b74  7#g7 ,public wat]  
sy/em ,! t]m public wat] sy/em has !    
mean+ giv5 t t]m 9 section #adja ( !    
,safe ,dr9k+ ,wat] ,act 7#db ,u4,s4,c4  
#cjj;f74  7#h7 ,secret>y ,! t]m         
,secret>y means ! ,secret>y ( ,heal? &  
,human ,s]vices4  7#i7 ,/ate ,! t]m     
,/ate means-- 7,a7 any ( ! #ej ,/ates1 &
 ! ,di/rict ( ,columbia2 &  7,b7 !      
,commonweal? ( ,pu]to ,rico1 ! ,virg9   

,isl&s ( ! ,unit$ ,/ates1 ,guam1        
,am]ican ,samoa1 & ! ,commonweal? ( !   
,nor!rn ,m>iana ,isl&s4  7b7 ,assi/ance 
= ,l[-,income h\seholds ,! ,secret>y    
%all make grants f allotm5ts & paym5ts  
describ$ 9 subsection 7d7 to ,/ates &   
,indian ,tribes to assi/ l[-income      
h\seholds1 p>ticul>ly ^? ) ! l[e/       
incomes1 t pay a high proportion (      
h\sehold income = home en]gy s]vice &   
h\sehold dr9k+ wat] & wa/ewat] s]vices4 
,half ( ! funds = ea* su* grant %all be 
made available f funds appropriat$ "u   
subsection 7k77#a71 & half f funds      
appropriat$ "u subsection 7k77#b74  7c7 
,use ( ,,liheap res\rces ,9 c>ry+ out   
?is section1 ! ,secret>y1 ,/ates1 &     
,indian ,tribes1 z applicable1 %all use 
! exi/+ 7z ( ! date ( implem5tation7    
sy/ems 9 place to c>ry out ! ,l[-,income
 ,home ,en]gy ,assi/ance ,act ( #aiha   
7#db ,u4,s4,c4 #hfba et seq47 z !       
,secret>y det]m9es appropriate4  7d7    
,allotm5ts  7#a7 ,/ates ,! ,secret>y    
%all allot to ea* ,/ate an am\nt t be>s 

! same relation%ip to ! funds           
appropriat$ "u ?is section & available =
 c>ry+ out ?is subsection z ! numb] (   
individuals ) a h\sehold income ( less  
?an #bjj p]c5t ( ! pov]ty l9e 9 t ,/ate 
be>s to ! total numb] ( su* individuals 
9 all ,/ates4  7#b7 ,indian tribes ,at !
 reque/ ( an ,indian ,tribe 9 a ,/ate1 !
 ,secret>y %all res]ve1 f ! am\nt t w\ld
 o!rwise be payable to su* ,/ate f !    
allotm5t "u p>agraph 7#a7 = ! fiscal ye>
 involv$1 a paym5t = ! ,indian ,tribe 9 
a sum det]m9$ to be appropriate by !    
,secret>y4  7#c7 ,notification to       
congress ,n lat] ?an #ae days aft]      
det]m9+ ! am\nts ( allotm5ts & paym5ts =
 ,/ates & ,indian ,tribes pursuant to   
?is subsection1 & prior to mak+ grants  
"u ?is section1 ! ,secret>y %all notify 
,congress ( su* am\nts4  7e7            
,requirem5ts ,ea* ,/ate or ,indian      
,tribe desir+ to receive a grant "u ?is 
section %all agree to-- 7#a7 e/abli% or 
ma9ta9 9 effect a moratorium policy to  
ensure t no home en]gy s]vice1 h\sehold 

dr9k+ wat] s]vice1 or wa/ewat] s]vice to
 an individual or h\sehold1 t is        
regulat$ or provid$ by ! ,/ate or       
,indian ,tribe or subrecipi5t ( grant   
funds f ! ,/ate or ,tribe1 %all be or   
rema9 disconnect$ 7includ+ int]rupt$7   
until ! end ( ! p]iod ( ! applicable    
repaym5t plan describ$ 9 p>agraph       
7#b77;,b72 &  7#b7 ensure t ! moratorium
 policy provides1 & requires a          
subrecipi5t ( grant funds to provide--  
7,a7 = a waiv] ( applicable int]e/ or   
p5alties on a late paym5t = home en]gy1 
h\sehold dr9k+ s]vice1 or wa/ewat]      
s]vice1 if ! late paym5t is relat$ to an
 arre>age t occurr$ dur+ ! public heal? 
em]g5cy p]iod2 &  7,b7 = a repaym5t plan
 ( at lea/ #ah mon?s 9 duration1 beg9n+ 
on ! la/ date ( ! public heal? em]g5cy  
p]iod1 bas$ on ! h\sehold income ( !    
h\sehold involv$1 = any rema9+ late     
paym5t describ$ 9 subp>agraph 7,a7 t is 
n cov]$ by fund+ provid$ "u ?is section4
  7f7 ,use ( funds ,a ,/ate or ,indian  
,tribe t receives a grant "u ?is ,act   

%all use ! grant funds to assi/         
l[-income h\seholds by pay+ = late home 
en]gy s]vice paym5ts & late h\sehold    
dr9k+ wat] & wa/ewat] s]vices paym5ts1 &
 reconnection fees = h\seholds :o h be5 
disconnect$ f any type ( s]vice specifi$
 9 ?is subsection due to nonpaym5t1 if !
 relat$ arre>ages & disconnections      
occurr$ dur+ ! public heal? em]g5cy     
p]iod4  7g7 ,/ate agreem5ts  7#a7 ,home 
en]gy s]vice provid]s ,to ! maximum     
ext5t practicable1 a ,/ate t receives a 
grant "u ?is section %all ent] into     
agreem5ts ) home en]gy s]vice provid]s1 
local gov]nm5ts1 nonpr(it organizations 
associat$ ) provid+ home en]gy s]vices  
to rural & small communities1 & ,indian 
,tribes1 to assi/ 9 id5tify+ l[-income  
h\seholds & to c>ry out ?is section4    
7#b7 ,h\sehold dr9k+ wat] & wa/ewat]    
s]vices provid]s ,to ! maximum ext5t    
practicable1 a ,/ate t receives a grant 
"u ?is section %all ent] into agreem5ts 
) public wat] sy/ems1 municipalities1   
nonpr(it organizations associat$ )      

provid+ h\sehold dr9k+ wat] & wa/ewat]  
s]vices to rural & small communities1 & 
,indian ,tribes1 to assi/ 9 id5tify+    
l[-income h\seholds & to c>ry out ?is   
section4  7h7 ,det]m9ation ( l[-,income 
h\seholds ,9 det]m9+ :e!r a h\sehold 9 a
 ,/ate or "u ! jurisdiction ( an ,indian
 ,tribe is consid]$ l[-income = !       
purposes ( ?is ,act1 ! ,/ate or ,indian 
,tribe %all-- 7#a7 ensure t1 at a       
m9imum1 all h\seholds ) a h\sehold      
income at or bel[ #bjj p]c5t ( ! ,f$]al 
pov]ty l9e are includ$ z l[-income      
h\seholds2  7#b7 ensure t h\seholds     
already eligible = assi/ance "u !       
,l[-,income ,home ,en]gy ,assi/ance ,act
 ( #aiha 7#db ,u4,s4,c4 #hfba et seq47  
are includ$ z l[-income h\seholds2 &    
7#c7 consid] h\seholds t h n previ\sly  
receiv$ assi/ance "u ! ,l[-,income ,home
 ,en]gy ,assi/ance ,act ( #aiha 9 ! same
 mann] z h\seholds t h previ\sly receiv$
 su* assi/ance4  7i7 ,audits ,!         
,secret>y %all require ea* ,/ate &      
,indian ,tribe receiv+ a grant "u       

subsection 7b7 to und]take p]iodic      
audits & evaluations ( exp5ditures made 
by su* ,/ate or ,indian ,tribe pursuant 
to ?is section4  7j7 ,reports to        
,congress ,! ,secret>y %all prep>e      
reports on ! results ( activities c>ri$ 
out pursuant to ?is section & submit !  
reports to ,congress-- 7#a7 n lat] ?an  
#a ye> aft] ! date ( enactm5t ( ?is     
,act2 &  7#b7 ^u disbursem5t ( all funds
 appropriat$ to c>ry out ?is section4   
7k7 ,au?orization ( appropriations  7#a7
 ,9 g5]al ,!re is au?oriz$ to be        
appropriat$ to ! ,secret>y to c>ry out  
?is section-- 7,a7 #aj1jjj1jjj1jjj =    
grant funds & adm9i/ration relat+ to    
assi/ance = home en]gy s]vice2 &  7,b7  
#aj1jjj1jjj1jjj = grant funds &         
adm9i/ration relat+ to assi/ance =      
h\sehold dr9k+ wat] & wa/ewat] s]vices4 
7#b7 ,availability ,sums appropriat$ "u 
p>agraph 7#a7 %all rema9 available until
 exp5d$4  #f4 ,bus9ess l&lord ov]sight  
7a7 ,congressional ov]sight commission  
,section #djbj ( ! ,,c>es ,act 7#ae     

,u4,s4,c4 #ijee7 is am5d$-- 7#a7 9      
subsection 7b77#b77;,a71 by add+ at !   
end ! foll[+3  7v7 ,! use ( r5tal       
prop]ty assi/ance receiv$ by entities "u
 section #g7;a77#cf7 ( ! ,small ,bus9ess
 ,act 7#ae ,u4,s4,c4 #fcf7;a77#cf77 or  
o!r ,f$]al ,gov]nm5t relief assi/ance "u
 ?is subtitle4  2 &  7#b7 9 subsection  
7c7-- 7,a7 9 p>agraph 7#a7-- 7i7 9 !    
matt] prec$+ subp>agraph 7,a71 by /rik+ 
#e & ins]t+ #i2 &  7ii7 9 subp>agraphs  
7,a7 ?r\gh 7,d71 /rike #a ea* place !   
t]m appe>s & ins]t #b2 &  7,b7 by add+  
at ! end ! foll[+3  7#h7 ,qualifications
 ,n few] ?an #b ( ! #h memb]s appo9t$ "u
 subp>agraphs 7,a7 ?r\gh 7,d7 %all be f 
a gr\p t has be5 hi/orically            
und]repres5t$ or disproportionately     
negatively impact$ by ! ,coronavirus    
disease #bjai 7,,covid-#ai71 & n few]   
?an #a ( ^? #h memb]s %all be a woman4  
4  7b7 ,prohibition on use ( ,f$]al     
,,covid-,relief loans or grants ,to buy 
di/ress$ mortgages1 =eclos$ prop]ties1  
or real-,e/ate-,own$ prop]ties ,except )

 respect to a nonpr(it organization or a
 local1 mission-focus$ af=dable h\s+    
develop]1 a bus9ess entity %all n use ! 
proce$s ( any loan or grant receiv$ "u  
?is ,act or ! ,,c>es ,act 7,public ,law 
#aaf-acf71 or any am5dm5ts made "u ^?   
,acts1 to pur*ase di/ress$ mortgages1   
=eclos$ prop]ties1 or real-e/ate-own$   
prop]ties4  7c7 ,r5t arre>s ,if a l&lord
 receives ,f$]al funds "u subtitle ,,iv 
( ! ,,c>es ,act 7,public ,law #aaf-acf7 
t are us$ to cov] r5t arre>s dur+ !     
p]iod beg9n+ on ,m>* #bg1 #bjbj1 & end+ 
on ,decemb] #ca1 #bjbj1 ! l&lord may n  
collect r5t arre>s f t5ants t 7 receiv$ 
^u ! expiration ( applicable ,f$]al &   
,/ate eviction & =eclosure moratoriums  
relat+ to ! ,,covid-#ai p&emic1 includ+ 
"u sections #djbb & #djbd ( ! ,,c>es    
,act 7#ae ,u4,s4,c4 #ijef1 #ijeh74