,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #aeb  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,janu>y #d1 #bjba,mr4 
,ru% 7= himself1 ,mr4 ,coop]1 ,mrs4     
,dem+s1 ,mr4 ,grijalva1 ,mr4 ,kildee1   
,mr4 ,mfume1 ,ms4 ,norton1 ,mr4 ,pocan1 
,mr4 ,rask91 ,ms4 ,s*ak[sky1 & ,mr4     
,sires7 introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to require any    
paym5ts ( pr9cipal or int]e/ on a       
resid5tial mortgage loan t are def]r$   
dur+ a ,,covid-#ai em]g5cy p]iod to be  
due no e>li] ?an ! la/ day ( ! loan t]m1
 & = o!r purposes4  #a4 ,%ort title ,?is
 ,act may be cit$ z ! ,ensur+ ,home[n] &
 ,occupant ,monet>y ,enc\ragem5t &      
,/ability ,act or ! ,ensur+ ,,homes     
,act4  #b4 ,treatm5t ( def]r$ resid5tial
 mortgage paym5ts  7a7 ,9 g5]al ,)      
respect to any paym5ts ( pr9cipal or    
int]e/ on a resid5tial mortgage loan t  
are def]r$ dur+ a ,,covid-#ai em]g5cy   
p]iod 7:e!r pursuant to ,f$]al law or   
o!rwise71 ! applicable hold] or s]vic] (

 su* loan may n require su* paym5ts to  
be due until ! lat] (-- 7#a7 ! la/ day (
 ! loan t]m2 or  7#b7 ! end ( ! def]ral 
p]iod4  7b7 ,rule ( con/ruction ,no?+ 9 
?is section may be con/ru$ z prohibit+ a
 borr[] f mak+ paym5ts on a loan be=e ! 
date specifi$ "u subsection 7a74  7c7   
,def9itions ,9 ?is section3 7#a7        
,resid5tial mortgage loan ,! t]m        
resid5tial mortgage loan means any loan 
:i* is secur$ by resid5tial real prop]ty
 design$ pr9cipally = ! occupancy (     
families1 reg>dless ( ! numb] ( families
 by :i* ! real prop]ty is design$ to be 
occupi$4  7#b7 ,,covid-#ai em]g5cy p]iod
 ,! t]m ,,covid-#ai em]g5cy p]iod means 
! p]iod t-- 7,a7 beg9s ^u a date t !    
,presid5t decl>es an em]g5cy "u ! ,rob]t
 ,t4 ,/af=d ,disa/] ,relief & ,em]g5cy  
,assi/ance ,act 7#db ,u4,s4,c4 #daba et 
seq47 relat+ to a ,coronavirus ,disease 
#bjai 7,,covid-#ai7 p&emic2 &  7,b7 ends
 ^u ! date ( ! t]m9ation by ! ,f$]al    
,em]g5cy ,managem5t ,adm9i/ration ( su* 
em]g5cy decl>ation4  #c4 ,t5ant         

,protection ,program  7a7 ,9 g5]al ,!   
,secret>y ( ,h\s+ & ,urban ,developm5t  
79 ?is section ref]r$ to z ! ,secret>y7 
%all c>ry out a program to be kn[n z !  
,t5ant ,protection ,program1 "u :i* !   
,secret>y %all make qu>t]ly loans to    
l&lords :o waive r5t own$ by t5ants dur+
 ! ,,covid-#ai em]g5cy p]iod1 9         
accordance ) ?is section4  7b7 ,loan    
details  7#a7 ,loan am\nt ,a loan       
provid$ "u ?is section %all be 9 an     
am\nt equal to no m ?an half ( ! am\nt (
 r5t t a l&lord anticipates waiv+ dur+ !
 applicable qu>t]4  7#b7 ,fees2 int]e/  
,! ,secret>y may n *>ge any fee 9       
connection ) a loan made "u ?is section 
& may n *>ge int]e/ on any su* loan 9 an
 am\nt great] ?an #d p]c5t4  7c7 ,loan  
=giv5ess ,! ,secret>y %all =give any    
loan made "u ?is section to a l&lord    
if-- 7#a7 ! l&lord p]mits ea* t5ant ( ! 
l&lord to ext5d any lease until ! date t
 is #fj days aft] ! end ( ! ,,covid-#ai 
em]g5cy p]iod1 if su* lease w\ld h      
t]m9at$ be=e su* date2 &  7#b7 ! l&lord 

ent]s into an agreem5t ) ! ,secret>y "u 
:i* ! l&lord w n evict any t5ant until !
 date t is #fj days aft] ! end ( !      
,,covid-#ai em]g5cy p]iod4  7d7         
,,covid-#ai em]g5cy p]iod def9$ ,9 ?is  
section1 ! t]m ,,covid-#ai em]g5cy p]iod
 has ! mean+ giv5 t t]m "u section #b4  
7e7 ,au?orization ( appropriations ,!re 
are au?oriz$ to be appropriat$ to !     
,secret>y su* sums z may be necess>y to 
c>ry out ?is section4  #d4 ,rules (     
application  7a7 ,application to exi/+ &
 new em]g5cies ,?is ,act %all apply to a
 ,,covid-#ai em]g5cy p]iod 7z def9$ "u  
section #b7 9 exi/5ce on ! date (       
enactm5t ( ?is ,act or beg9n+ aft] !    
date ( enactm5t ( ?is ,act4  7b7        
,retroactive effect ,) respect to !     
,,covid-#ai em]g5cy p]iod 9 exi/5ce on !
 date ( enactm5t ( ?is ,act1 !          
provisions ( ?is ,act %all apply        
retroactively to actions tak5 beg9n+ on 
! fir/ day ( su* em]g5cy p]iod4