,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #agaj  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,m>* #i1 #bjba,mr4    
,david ,scott ( ,georgia 7= himself &   
,ms4 ,wat]s7 introduc$ ! foll[+ bill2   
:i* 0 ref]r$ to ! ,committee on         
,appropriations  ,a ,,bill  ,to provide 
em]g5cy assi/ance to home[n]s to respond
 to ! coronavirus p&emic1 & = o!r       
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,coronavirus ,home[n]      
,assi/ance ,act ( #bjba4  #b4 ,home[n]  
,assi/ance ,fund  7a7 ,appropriation    
,!re is appropriat$1 out ( am\nts 9 !   
,treasury n o!rwise appropriat$1 = !    
fiscal ye> end+ ,septemb] #cj1 #bjba1 to
 rema9 available until ,septemb] #cj1   
#bjbe1 #i1ifa1jjj1jjj to ! ,home[n]     
,assi/ance ,fund e/abli%$ "u subsection 
7c7 = qualifi$ exp5ses t meet ! purposes
 e/abli%$ "u subsection 7c7 & exp5ses   
describ$ 9 subsection 7d77#a74  7b7     
,def9itions ,9 ?is section3 7#a7 ,con=m+
 loan limit ,! t]m con=m+ loan limit    
means ! applicable limitation gov]n+ !  

maximum orig9al pr9cipal obligation ( a 
mortgage secur$ by a s+le-family        
resid5ce1 a mortgage secur$ by a        
#b-;family resid5ce1 a mortgage secur$  
by a #c-;family resid5ce1 or a mortgage 
secur$ by a #d-;family resid5ce1 z      
det]m9$ & adju/$ annually "u section    
#cjb7;b77#b7 ( ! ,f$]al ,national       
,mortgage ,association ,*>t] ,act 7#ab  
,u4,s4,c4 #agag7;b77#b77 & section      
#cje7;a77#b7 ( ! ,f$]al ,home ,loan     
,mortgage ,corporation ,act 7#ab        
,u4,s4,c4 #aded7;a77#b774  7#b7 ,dwell+ 
,! t]m dwell+ means any build+1         
/ructure1 or portion !re( :i* is occupi$
 z1 or design$ or int5d$ = occupancy z1 
a resid5ce by "o or m individuals4  7#c7
 ,eligible entity ,! t]m eligible entity
 means-- 7,a7 a ,/ate2 or  7,b7 any     
entity eligible = paym5t "u subsection  
7f74  7#d7 ,mortgage ,! t]m mortgage    
means any cr$it transaction-- 7,a7 t is 
secur$ by a mortgage1 de$ ( tru/1 or o!r
 cons5sual security int]e/ on a pr9cipal
 resid5ce ( a borr[] t is 7i7 a #a- to  

#d-unit dwell+1 or  7ii7 resid5tial real
 prop]ty t includes a #a- to #d-unit    
dwell+2 &  7,b7 ! unpaid pr9cipal       
balance ( :i* 01 at ! "t ( orig9ation1 n
 m ?an ! con=m+ loan limit4  7#e7 ,fund 
,! t]m ,fund means ! ,home[n] ,assi/ance
 ,fund e/abli%$ "u subsection 7c74  7#f7
 ,secret>y ,! t]m ,secret>y means !     
,secret>y ( ! ,treasury4  7#g7 ,/ate ,! 
t]m ,/ate means any ,/ate ( ! ,unit$    
,/ates1 ! ,di/rict ( ,columbia1 !       
,commonweal? ( ,pu]to ,rico1 ,guam1     
,am]ican ,samoa1 ! ,unit$ ,/ates ,virg9 
,isl&s1 & ! ,commonweal? ( ! ,nor!rn    
,m>iana ,isl&s4  7c7 ,e/abli%m5t ( ,fund
  7#a7 ,e/abli%m5t2 qualifi$ exp5ses    
,!re is e/abli%$ 9 ! ,dep>tm5t ( !      
,treasury a ,home[n] ,assi/ance ,fund to
 mitigate f9ancial h>d%ips associat$ ) !
 coronavirus p&emic by provid+ su* funds
 z are appropriat$ by subsection 7a7 to 
eligible entities1 & to require an      
eligible entity t receives funds        
pursuant to ?is section to p]iodically  
submit to ! ,secret>y a report t        

describes ! activities c>ri$ out by !   
eligible entity us+ ! funds provid$ "u  
?is section1 = ! purpose ( prev5t+      
home[n] mortgage del9qu5cies1 defaults1 
=eclosures1 loss ( utilities or home    
en]gy s]vices1 & displacem5ts ( home[n]s
 exp]i5c+ f9ancial h>d%ip aft] ,janu>y  
#ba1 #bjbj1 ?r\gh qualifi$ exp5ses      
relat$ to mortgages & h\s+1 :i*         
include-- 7,a7 mortgage paym5t          
assi/ance2  7,b7 f9ancial assi/ance to  
all[ a home[n] to re9/ate a mortgage or 
to pay o!r h\s+ relat$ co/s relat$ to a 
p]iod ( =be>ance1 del9qu5cy1 or default2
  7,c7 pr9cipal r$uction2  7,d7         
facilitat+ int]e/ rate r$uctions2  7,e7 
paym5t assi/ance =-- 7i7 utilities1     
includ+ electric1 gas1 & wat]2  7ii7    
int]net s]vice1 includ+ broadb& int]net 
access s]vice1 z def9$ 9 section        
#h4a7;b7 ( title #dg1 ,code ( ,f$]al    
,regulations 7or any successor          
regulation72  7iii7 prop]ty taxes2  7iv7
 home[n]'s insurance1 flood insurance1 &
 mortgage insurance2 &  7v7 home[n]'s   

association1 condom9ium association     
fees1 or common *>ges2  7,f7            
reimbursem5t ( funds exp5d$ by a ,/ate1 
local gov]nm5t1 or designat$ entity "u  
subsection 7e7 dur+ ! p]iod beg9n+ on   
,janu>y #ba1 #bjbj1 & end+ on ! date t !
 fir/ funds are disburs$ by ! eligible  
entity "u ! ,home[n] ,assi/ance ,fund1 =
 ! purpose ( provid+ h\s+ or utility    
paym5t assi/ance to individuals or      
o!rwise provid+ funds to prev5t         
=eclosure or eviction ( a home[n] or    
t5ant or prev5t mortgage del9qu5cy or   
loss ( h\s+ or utilities z a response to
 ! coronavirus disease 7,,covid7 p&emic2
 &  7,g7 any o!r assi/ance to promote   
h\s+ /ability = home[n]s1 includ+       
prev5t+ eviction1 mortgage del9qu5cy or 
default1 =eclosure1 or ! loss ( utility 
or home en]gy s]vices1 z det]m9$ by !   
,secret>y4  7#b7 ,t>get+ ,n less ?an #fj
 p]c5t ( am\nts made to ea* eligible    
entity allocat$ am\nts "u subsection 7d7
 or 7e7 %all be us$ = qualifi$ exp5ses t
 assi/ home[n]s hav+ incomes equal to or

 less ?an #ajj p]c5t ( ! area m$ian     
income = _! h\sehold size or equal to or
 less ?an #ajj p]c5t ( ! m$ian income = 
! ,unit$ ,/ates1 z det]m9$ by !         
,secret>y ( ,h\s+ & ,urban ,developm5t1 
:i*ev] is great]4 ,! eligible entity    
%all prioritize rema9+ funds to         
populations or geographies exp]i5c+ !   
greate/ ne$4  7d7 ,allocation ( funds   
7#a7 ,adm9i/ration ,( any am\nts made   
available "u ?is section1 ! ,secret>y   
%all res]ve-- 7,a7 to ! ,dep>tm5t ( !   
,treasury1 an am\nt n to exce$          
#dj1jjj1jjj to adm9i/] & ov]see ! ,fund1
 & to provide te*nical assi/ance to     
eligible entities = ! creation &        
implem5tation ( ,/ate & tribal programs 
to adm9i/] assi/ance f ! ,fund2 &  7,b7 
to ! ,inspector ,g5]al ( ! ,dep>tm5t ( !
 ,treasury1 an am\nt n to exce$         
#b1fjj1jjj = ov]sight ( ! program "u ?is
 section4  7#b7 ,= ,/ates ,aft] !       
application ( p>agraphs 7#a71 7#d71 &   
7#e7 ( ?is subsection & subject to      
p>agraph 7#c7 ( ?is subsection1 !       

,secret>y %all e/abli% su* crit]ia z are
 necess>y to allocate ! rema9+ funds    
available )9 ! ,home[n] ,assi/ance ,fund
 to ea* ,/ate ( ! ,unit$ ,/ates1 !      
,di/rict ( ,columbia1 & ! ,commonweal? (
 ,pu]to ,rico1 tak+ into consid]ation1 =
 su* ,/ate relative to all ,/ates ( !   
,unit$ ,/ates1 ! ,di/rict ( ,columbia1 &
 ! ,commonweal? ( ,pu]to ,rico1 z ( !   
date ( ! enactm5t ( ?is ,act-- 7,a7 !   
numb] ( individuals :o are unemploy$2   
7,b7 ! total numb] or mortgagors )-- 7i7
 mortgage paym5ts t are m ?an #cj days  
pa/ due2 or  7ii7 mortgages 9 =eclosure4
  7#c7 ,small ,/ate m9imum  7,a7 ,9     
g5]al ,ea* ,/ate ( ! ,unit$ ,/ates1 !   
,di/rict ( ,columbia1 & ! ,commonweal? (
 ,pu]to ,rico %all receive no less ?an  
#dj1jjj1jjj = ! purposes e/abli%$ 9 7b74
  7,b7 ,pro ,rata ,adju/m5ts ,!         
,secret>y %all adju/ on a pro rata basis
 ! am\nt ( ! paym5ts = ea* ,/ate ( !    
,unit$ ,/ates1 ! ,di/rict ( ,columbia1 &
 ! ,commonweal? ( ,pu]to ,rico det]m9$  
"u ?is subsection )\t reg>d to ?is      

subp>agraph to ! ext5t necess>y to      
comply ) ! requirem5ts ( subp>agraph    
7,a74  7#d7 ,t]ritory set-aside ,not)/&+
 any o!r provision ( ?is section1 ( !   
am\nts appropriat$ "u subsection 7d71 ! 
,secret>y %all res]ve #cj1jjj1jjj to be 
disburs$ to eligible entities = ,guam1  
,am]ican ,samoa1 ! ,unit$ ,/ates ,virg9 
,isl&s1 & ! ,commonweal? ( ! ,nor!rn    
,m>iana ,isl&s bas$ on ea* su*          
t]ritory's %>e ( ! comb9$ total         
population ( all su* t]ritories1 z      
det]m9$ by ! ,secret>y4 ,= ! purposes ( 
?is p>agraph1 population %all be det]m9$
 bas$ on ! mo/ rec5t ye> = :i* data are 
available f ! ,unit$ ,/ates ,c5sus      
,bureau4  7#e7 ,tribal set-aside ,!     
,secret>y %all allocate funds to any    
eligible entity designat$ "u subsection 
7f7 pursuant to ! requirem5ts ( t       
subsection4  7e7 ,di/ribution ( funds to
 ,/ates  7#a7 ,9 ,g5]al ,! ,secret>y    
%all make paym5ts1 beg9n+ n lat] ?an #de
 days aft] enactm5t ( ?is ,act1 f am\nts
 allocat$ "u subsection 7d7 to eligible 

entities t h notifi$ ! ,secret>y t !y   
reque/ to receive paym5t f ! ,fund & t !
 eligible entity w use su* paym5ts 9    
compliance ) ?is section4  7#b7         
,reallocation ,if a ,/ate does n reque/ 
allocat$ funds by ! #ij? day aft] ! date
 ( enactm5t ( ?is ,act1 su* ,/ate %all n
 be eligible = a paym5t f ! ,secret>y   
pursuant to ?is section1 & ! ,secret>y  
%all reallocate any funds t 7 n reque/$ 
by su* ,/ate among ! ,/ates t h reque/$ 
funds by ! #ij? day aft] ! date (       
enactm5t ( ?is ,act4 ,= any su*         
reallocation ( funds1 ! ,secret>y %all  
adh]e to ! requirem5ts ( subsection 7d71
 except = p>agraph 7#a71 to ! greate/   
ext5t possible1 provid$ t ! ,secret>y   
%all also take into consid]ation 9      
det]m9+ su* reallocation a ,/ate's      
rema9+ ne$ & a ,/ate's record ( us+     
paym5ts f ! ,fund to s]ve home[n]s at   
disproportionate risk ( mortgage        
default1 =eclosure1 or displacem5t1     
includ+ home[n]s hav+ incomes equal to  
or less ?an #ajj p]c5t ( ! area m$ian   

income = _! h\sehold size or #ajj p]c5t 
( ! m$ian income = ! ,unit$ ,/ates1 z   
det]m9$ by ! ,secret>y ( ,h\s+ & ,urban 
,developm5t1 :i*ev] is great]1 & m9ority
 home[n]s4  7f7 ,tribal set-,aside  7#a7
 ,set-aside ,not)/&+ any o!r provision (
 ?is section1 ( ! am\nts appropriat$ "u 
subsection 7a71 ! ,secret>y %all use #e 
p]c5t to make paym5ts to entities t are 
eligible = paym5ts "u clauses 7i7 & 7ii7
 ( section #eja7;b77#b77;,a7 ( subtitle 
,a ( title ,v ( division ,n ( !         
,consolidat$ ,appropriations ,act1 #bjba
 7,public ,law #aaf-bfj7 = ! purposes   
describ$ 9 subsection 7c74  7#b7        
,allocation & paym5t ,! ,secret>y %all  
allocate ! funds set aside "u p>agraph  
7#a7 us+ ! allocation =mulas describ$ 9 
clauses 7i7 & 7ii7 ( section            
#eja7;b77#b77;,a7 ( subtitle ,a ( title 
,v ( division ,n ( ! ,consolidat$       
,appropriations ,act1 #bjba 7,public    
,law #aaf-bfj71 & %all make paym5ts (   
su* am\nts to entities eligible = paym5t
 "u clauses 7i7 & 7ii7 ( section        

#eja7;b77#b77;,a7 ( subtitle ,a ( title 
,v ( division ,n ( ! ,consolidat$       
,appropriations ,act1 #bjba 7,public    
,law #aaf-bfj7 t notify ! ,secret>y t !y
 int5d to receive paym5ts allocat$ by ! 
,secret>y = purposes describ$ "u        
subsection 7c7 & w use su* paym5ts 9    
compliance ) ?is section4  7#c7         
,adju/m5t ,allocations provid$ "u ?is   
subsection may be fur!r adju/$ z provid$
 by section #eja7;b77#b77;,b7 ( subtitle
 ,a ( title ,v ( division ,n ( !        
,consolidat$ ,appropriations ,act1 #bjba
 7,public ,law #aaf-bfj74