,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #afb  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,janu>y #d1 #bjba,mr4 
,soto introduc$ ! foll[+ bill2 :i* 0    
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,,c>es  
,act to provide = repaym5t t]ms =       
mortgages 9 =be>ance1 & = o!r purposes4 
#a4 ,repaym5t t]ms = mortgages 9        
=be>ance  7a7 ,9 g5]al ,! ,,c>es ,act   
7,public ,law #aaf-acf7 is am5d$ by     
ins]t+ aft] section #djbb ! foll[+3     
#djbb;,a4 ,repaym5t t]ms = mortgages 9  
=be>ance  7a7 ,9 g5]al ,) respect to a  
f$]ally relat$ mortgage loan ) respect  
to :i* a =be>ance 0 grant$ dur+ !       
,,covid-#ai em]g5cy p]iod 7ei!r pursuant
 to ?is ,act or any o!r ,f$]al law or   
volunt>ily by ! s]vic] ( su* mortgage   
loan71 ! s]vic] ( su* mortgage loan %all
 modify ! borr[]'s loan to ext5d ! t]m =
 ! same p]iod z ! l5g? ( ! =be>ance1 )  
all paym5ts t 7 n made dur+ ! =be>ance  
di/ribut$ at ! same int]vals z !        
borr[]'s exi/+ paym5t s*$ule & ev5ly    

di/ribut$ across ^? int]vals1 ) no      
p5alties1 late fees1 additional int]e/  
accru$ beyond ! am\nts s*$ul$ or        
calculat$ z if ! borr[] made all        
contractual paym5ts on "t & 9 full "u ! 
t]ms ( ! mortgage contract 9 effect at !
 "t ! borr[] ent]$ into ! =be>ance1 & ) 
no modification fee *>g$ to ! borr[]4   
7b7 ,en=cem5t ,! en=cem5t au?ority      
provid$ "u ! ,real ,e/ate ,settlem5t    
,proc$ures ,act ( #aigd 7#ab ,u4,s4,c4  
#bfja et seq47 %all apply to ?is        
section4  7c7 ,def9itions ,9 ?is        
section3 7#a7 ,f$]ally relat$ mortgage  
loan ,! t]m f$]ally relat$ mortgage loan
 has ! mean+ giv5 t t]m "u section #c ( 
! ,real ,e/ate ,settlem5t ,proc$ures    
,act ( #aigd 7#ab ,u4,s4,c4 #bfjb74     
7#b7 ,covid-#ai em]g5cy p]iod ,! t]m    
,,covid-#ai em]g5cy p]iod means ! p]iod 
betwe5-- 7,a7 ,m>* #ac1 #bjbj1 ! date on
 :i* ! ,presid5t decl>$ a national      
em]g5cy conc]n+ ! novel coronavirus     
disease 7,,covid-#ai7 outbreak "u !     
,national ,em]g5cies ,act 7#ej ,u4,s4,c4

 #afja et seq472 &  7,b7 ,decemb] #ca1  
#bjba4  4  7b7 ,cl]ical am5dm5t ,! table
 ( cont5ts = ! ,,c>es ,act is am5d$ by  
ins]t+ aft] ! item relat+ to section    
#djbb ! foll[+3  ,sec4 #djbb;,a4        
,repaym5t t]ms = mortgages 9 =be>ance4  
4