,,ii  #aag? ,,congress  #a/ ,session    
,s4 #aghc  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,may #bj1 #bjba,mr4    
,m]kley introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,f9ance  ,a ,,bill  ,to provide em]g5cy 
loans to ma9ta9 access to ess5tial      
s]vices dur+ ! ,,covid-#ai p&emic1 & =  
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,ma9ta9+ ,access to    
,ess5tial ,s]vices ,act ( #bjba4  #b4   
,em]g5cy loans to publicly own$ &       
nonpr(it wat] & wa/ewat] utilities  7a7 
,def9itions ,9 ?is section3 7#a7        
,em]g5cy p]iod ,! t]m em]g5cy p]iod     
means ! p]iod t-- 7,a7 beg9s on ,m>*    
#ac1 #bjbj2 &  7,b7 ends on ! date on   
:i* ! national em]g5cy t]m9ates "u      
section #bjb ( ! ,national ,em]g5cies   
,act 7#ej ,u4,s4,c4 #afbb74  7#b7 ,loan 
program ,! t]m loan program means ! loan
 program e/abli%$ by ! ,secret>y "u     
subsection 7b74  7#c7 ,loan repaym5t    
date ,! t]m loan repaym5t date means !  
date t is #b ye>s aft] ! date describ$ 9

 p>agraph 7#a77;,b74  7#d7 ,national    
em]g5cy ,! t]m national em]g5cy means ! 
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  7#e7 ,paym5t %ortfall   
7,a7 ,9 g5]al ,! t]m paym5t %ortfall1 ) 
respect to a qualifi$ utility1 means a  
good fai? e/imate ( ! total am\nt (     
rates & *>ges = wat] s]vice provid$ dur+
 ! em]g5cy p]iod t ! qualifi$ utility   
has n collect$ f resid5tial wat]        
consum]s ( ! qualifi$ utility1 z c]tifi$
 by ! qualifi$ utility to ! ,secret>y "u
 subsection 7g77#a74  7,b7 ,exclusion ,!
 t]m paym5t %ortfall does n include any 
portion ( ! uncollect$ am\nts describ$ 9
 subp>agraph 7,a7 t ! qualifi$ utility  
has sold to a ?ird p>ty4  7#f7 ,qualifi$
 utility ,! t]m qualifi$ utility means--
 7,a7 a publicly own$ or nonpr(it       
community wat] sy/em 7z def9$ 9 section 
#adja ( ! ,safe ,dr9k+ ,wat] ,act 7#db  
,u4,s4,c4 #cjj;f772 &  7,b7 a publicly  

own$ treatm5t works 7z def9$ 9 section  
#bab ( ! ,f$]al ,wat] ,pollution        
,control ,act 7#cc ,u4,s4,c4 #abib774   
7#g7 ,resid5tial wat] consum] ,! t]m    
resid5tial wat] consum] means a h\sehold
 t s]ves z a pr9cipal resid5ce to :i*   
wat] s]vices are provid$ = any purpose  
o!r ?an resale4  7#h7 ,secret>y ,! t]m  
,secret>y means ,secret>y ( ! ,treasury4
  7#i7 ,wat] s]vice ,! t]m wat] s]vice  
means ! treatm5t & provision ( dr9k+    
wat]1 ! collection & treatm5t (         
wa/ewat]1 or /ormwat] managem5t provid$ 
by a qualifi$ utility to a resid5tial   
wat] consum]1 includ+ any activities    
necess>y to provide ^? s]vices4  7b7    
,e/abli%m5t  7#a7 ,9 g5]al ,! ,secret>y 
%all e/abli% a loan program to ensure t 
qualifi$ utilities are able to cont9ue  
provid+ wat] s]vice to resid5tial wat]  
consum]s dur+ ! em]g5cy p]iod4  7#b7    
,requirem5t ,9 c>ry+ out ! loan program1
 ! ,secret>y %all take all necess>y     
/eps1 includ+ outrea* & ! provision (   
te*nical assi/ance to qualifi$          

utilities1 to ensure t all qualifi$     
utilities1 )\t ref]5ce to ! size ( !    
cu/om] base ( ! qualifi$ utility1 h a   
fair opportunity to apply = & obta9     
loans "u ! loan program4  7c7 ,loan     
au?orization ,! ,secret>y may make #a or
 m loans to a qualifi$ utility "u ! loan
 program1 su* t ! total am\nt ( loans   
provid$ to ! qualifi$ utility is n      
great] ?an ! paym5t %ortfall ( !        
qualifi$ utility4  7d7 ,loan repaym5t   
7#a7 ,9 g5]al ,except z provid$ 9       
p>agraph 7#b7 & subsection 7e71 a       
qualifi$ utility receiv+ a loan "u !    
loan program %all repay ! loan 9 full1 )
 accru$ int]e/1 n lat] ?an ! loan       
repaym5t date4  7#b7 ,"r to call        
,not)/&+ p>agraph 7#a7 & subsection 7e71
 if ! qualifi$ utility c>ries out or    
fails to c>ry out1 z applicable1 any ( !
 foll[+ actions1 a loan receiv$ by !    
qualifi$ utility "u ! loan program %all 
be due & payable 9 full1 ) accru$       
int]e/1 #ij days aft] ! date on :i* !   
utility c>ries out or fails to c>ry out1

 z applicable1 t action3 7,a7 ,dur+ !   
em]g5cy p]iod & aft] ! date on :i* !    
qualifi$ utility receives ! loan-- 7i7 !
 qualifi$ utility *>ges any resid5tial  
wat] consum] int]e/1 late fees1 or o!r  
*>ges or p5alties associat$ ) ! late    
paym5t or nonpaym5t ( rates or *>ges = !
 provision ( wat] s]vice2  7ii7 !       
qualifi$ utility discont9ues wat] s]vice
 or refuses to e/abli% new wat] s]vice  
to any resid5tial wat] consum] ( !      
qualifi$ utility due to ! nonpaym5t (   
rates or *>ges or ! nonpaym5t ( a       
deposit = ! provision ( wat] s]vice2    
7iii7 ! qualifi$ utility sells any      
uncollect$ resid5tial wat] consum] debt2
  7iv7 ! qualifi$ utility places1 sells1
 or initiates ! collection ( a li5 on ! 
resid5ce ( a resid5tial wat] consum] to 
collect out/&+ rates or *>ges = wat]    
s]vice2  7v7 ! qualifi$ utility files an
 adv]se report on a resid5tial wat]     
consum] to a cr$it report+ ag5cy due to 
! nonpaym5t ( rates or *>ges = !        
provision ( wat] s]vice2 or  7vi7 !     

qualifi$ utility *>ges a s]vice         
re/oration fee = ! re/oration ( s]vice  
describ$ 9 subp>agraph 7,b74  7,b7 ,n   
lat] ?an #cj days aft] ! date on :i* !  
qualifi$ utility receives ! loan1 !     
qualifi$ utility fails to re/ore 7except
 = reasons ( safety7 wat] s]vice to all 
resid5tial wat] consum]s ( ! qualifi$   
utility :o _h be5 disconnect$ due to    
nonpaym5t ( rates or *>ges = ! provision
 ( wat] s]vice4  7e7 ,loan =giv5ess     
7#a7 ,9 g5]al ,except z provid$ 9       
subsection 7d77#b71 aft] receipt ( a    
c]tification "u subsection 7g77#b71 !   
,secret>y %all =give any loans provid$  
to a qualifi$ utility "u ! loan program 
9 an am\nt equal to ! total am\nt ( !   
paym5t %ortfall f ! resid5tial wat]     
consum]s ( ! qualifi$ utility = wat]    
s]vice provid$ by ! qualifi$ utility to 
^? resid5tial wat] consum]s dur+ !      
em]g5cy p]iod4  7#b7 ,requirem5ts ,on   
=giv5ess ( a loan or a portion ( a loan 
"u p>agraph 7#a71 ! qualifi$ utility    
%all-- 7,a7 =give all out/&+ debt ow$ to

 ! qualifi$ utility1 includ+ any int]e/ 
*>ges1 late fees1 or o!r *>ges or       
p5alties associat$ ) late paym5t or !   
nonpaym5t ( rates or *>ges = ! provision
 ( wat] s]vice1 t results f ! provision 
( wat] s]vices to resid5tial wat]       
consum]s dur+ ! em]g5cy p]iod2  7,b7 n  
lat] ?an #cj days aft] ! date on :i* !  
debt describ$ 9 subp>agraph 7,a7 is     
=giv5 = a resid5tial wat] consum]1      
notify ! resid5tial wat] consum] ( !    
am\nt ( t =giv5ess2 &  7,c7 file ) !    
applicable ,/ate regulatory commission  
docum5ts demon/rat+ t rates & *>ges = ! 
provision ( wat] s]vice h be5           
appropriately adju/$4  7f7 ,int]e/ rate 
,a loan made "u ! loan program %all be> 
int]e/ at a rate n to exce$ #a p]c5t p] 
ye>4  7g7 ,borr[] requirem5ts  7#a7     
,application ,a qualifi$ utility seek+ a
 loan "u ! loan program %all submit to !
 ,secret>y an application at su* "t1 9  
su* mann]1 & conta9+ su* in=mation z !  
,secret>y may require1 includ+-- 7,a7 ! 
am\nt ( ! loan s\ght by ! qualifi$      

utility1 :i* %all be 9 an am\nt n great]
 ?an ! paym5t %ortfall ( ! qualifi$     
utility2 &  7,b7 a good fai?            
c]tification t-- 7i7 a significant numb]
 ( ! resid5tial wat] consum]s ( !       
qualifi$ utility h n paid = ! wat]      
s]vice receiv$ by ^? resid5tial wat]    
consum]s dur+ ! em]g5cy p]iod2  7ii7 !  
am\nt ( ! loan s\ght by ! qualifi$      
utility is a good fai? e/imate ( !      
paym5t %ortfall ( ! qualifi$ utility2 & 
7iii7 a loan 9 ! am\nt describ$ 9       
subp>agraph 7,a7 is ne$$ to support !   
qualifi$ utility 9 cont9u+ to provide   
wat] s]vice to ! resid5tial wat]        
consum]s ( ! qualifi$ utility dur+ !    
em]g5cy p]iod4  7#b7 ,f9al c]tification 
,n e>li] ?an #ah mon?s aft] ! date      
describ$ 9 subsection 7a77#a77;,b7 & n  
lat] ?an ! loan repaym5t date1 a        
qualifi$ utility t receives a loan "u ! 
loan program %all make a good fai?      
c]tification to ! ,secret>y ( ! total   
am\nt ( rates t ! qualifi$ utility has n
 collect$ f ! resid5tial wat] consum]s (

 ! qualifi$ utility = ! wat] s]vice     
provid$ to ^? resid5tial wat] consum]s  
dur+ ! em]g5cy p]iod1 exclud+ any su*   
am\nt ( uncollect$ paym5ts t ! qualifi$ 
utility has sold to a ?ird p>ty4  7#c7  
,report+ requirem5t ,a qualifi$ utility 
t receives a loan "u ! loan program     
%all1 = ea* mon? until ! mon? aft] !    
mon? ( ! loan repaym5t date or ! mon? 9 
:i* ! loan is =giv5 "u subsection 7e71 z
 applicable1 submit to ! ,secret>y a    
report t includes-- 7,a7 by ,,zip       
,code-- 7i7 ! numb] ( resid5tial wat]   
consum]s disconnect$ f wat] s]vice by ! 
qualifi$ utility due to nonpaym5t (     
rates & *>ges = ! provision ( wat]      
s]vice2  7ii7 ! numb] ( re/orations (   
wat] s]vice by ! qualifi$ utility (     
resid5tial wat] consum]s t _h be5       
disconnect$ = nonpaym5t ( rates & *>ges 
= ! provision ( wat] s]vice2  7iii7 =   
ea* applicable resid5tial wat] consum]1 
! "t betwe5-- 7,i7 ! disconnection (    
wat] s]vice by ! qualifi$ utility =     
nonpaym5t ( rates & *>ges = ! provision 

( wat] s]vice2 &  7,,ii7 ! re/oration ( 
t wat] s]vice2  7iv7 ! av]age "t betwe5 
! disconnection & re/oration describ$ 9 
clause 7iii7 = all resid5tial wat]      
consum]s disconnect$ dur+ ! applicable  
mon?2  7v7 ! numb] ( resid5tial wat]    
consum]s = :i* ! "t betwe5 !            
disconnection & re/oration describ$ 9   
clause 7iii7 exce$$ #b days2  7vi7 !    
numb] ( resid5tial wat] consum]s ( !    
qualifi$ utility t became eligible =    
disconnection ( wat] s]vice due to      
nonpaym5t ( rates & *>ges = ! provision 
( wat] s]vice b1 because ( a loan       
receiv$ "u ! loan program1 avoid$       
disconnection2  7vii7 7,i7 ! numb] (    
resid5tial wat] consum]s ( ! qualifi$   
utility t are 9 arre>s ( paym5t ( rates 
& *>ges = ! provision ( wat] s]vice by !
 qualifi$ utility2 &  7,,ii7 ! total    
am\nt & ! range ( arre>ages = :i* all   
resid5tial wat] consum]s describ$ 9     
subclause 7,i7 are 9 arre>s2  7viii7 !  
total am\nt = :i* ! resid5tial wat]     
consum]s describ$ 9 clause 7vii77,i7 h  

_h ! am\nts describ$ 9 t clause =giv52  
7ix7 ! numb] ( resid5tial wat] consum]s 
t h _h an arre>age describ$ 9 clause    
7vii77,i7 =giv5 9 full2  7x7 a good fai?
 e/imate ( ! av]age am\nt p] resid5tial 
wat] consum] ( ! =giv5ess describ$ 9    
clause 7ix72  7xi7 ! numb]1 if any1 (   
resid5tial wat] consum]s t h _h an      
arre>age describ$ 9 clause 7vii77,i7    
=giv5 only 9 "p2  7xii7 7,i7 ! numb]1 if
 any1 ( resid5tial wat] consum]s = :om  
an arre>age describ$ 9 clause 7vii77,i7 
has be5 sold to a ?ird-p>ty debt buy]2 &
  7,,ii7 ! total am\nt ( arre>ages      
describ$ 9 clause 7vii77,i7 t h be5 sold
 to a ?ird-p>ty debt buy]1 if any2 &    
7xiii7 data simil> to ! data describ$ 9 
clauses 7i7 ?r\gh 7xii7 = ! arre>ages t 
_h accru$ at ! beg9n+ ( ! em]g5cy p]iod1
 includ+ h[ mu* ( ^? arre>ages h be5    
=giv5 or sold1 & h[ mu* ( ^? arre>ages  
rema92 &  7,b7 a /atem5t ( :e!r !       
qualifi$ utility has c>ri$ out any ( !  
actions describ$ 9 subsection           
7d77#b77;,a7 or fail$ to c>ry out any ( 

! actions describ$ 9 subsection         
7d77#b77;,b7 )9 ! applicable mon?4  7h7 
,submissions to ,congress  7#a7 ,mon?ly 
reports ,n lat] ?an #ahj days aft] !    
date ( enactm5t ( ?is ,act1 & e o!r mon?
 !reaft] = :i* fund+ = ?is section      
rema9s available1 ! ,secret>y %all      
submit to ! ,committees on              
,appropriations1 ,f9ancial ,s]vices1    
,en]gy & ,comm]ce1 & ,transportation &  
,infra/ructure ( ! ,h\se (              
,repres5tatives & ! ,committees on      
,appropriations1 ,environm5t & ,public  
,works1 & ,f9ance ( ! ,s5ate a report t 
describes-- 7,a7 ea* qualifi$ utility t 
receiv$ a loan "u or pursuant to ?is    
section2  7,b7 ! total am\nt ( ea* loan 
provid$ "u or pursuant to ?is section2  
7,c7 ! am\nt =giv5 "u subsection 7e7 =  
ea* loan provid$ "u or pursuant to ?is  
section2 &  7,d7 a summ>y ( ! in=mation 
provid$ by ea* qualifi$ utility t       
receives a loan "u or pursuant to ?is   
section "u p>agraphs 7#b7 & 7#c7 (      
subsection 7g74  7#b7 ,o!r reports ,!   

,secret>y %all submit to ! ,committees  
on ,appropriations1 ,f9ancial ,s]vices1 
,en]gy & ,comm]ce1 & ,transportation &  
,infra/ructure ( ! ,h\se (              
,repres5tatives & ! ,committees on      
,appropriations1 ,environm5t & ,public  
,works1 & ,f9ance ( ! ,s5ate a report t 
describes ! results ( activities c>ri$  
out pursuant to ?is section-- 7,a7 n    
lat] ?an #a ye> aft] ! date ( enactm5t (
 ?is ,act2  7,b7 on ! date on :i* all   
funds appropriat$ "u subsection 7j7 h   
be5 fully disburs$2 &  7,c7 on ! date on
 :i* all loans made "u or pursuant to   
?is section h be5 repaid or =giv54  7i7 
,sav+s clause ,except z provid$ 9       
subsection 7e71 no?+ 9 ?is section      
affects ! obligation (-- 7#a7 a         
resid5tial wat] consum] to pay = wat]   
s]vice receiv$ by ! resid5tial wat]     
consum]2 or  7#b7 a qualifi$ utility to 
make reasonable1 good fai? ef=ts to     
collect paym5t = wat] s]vices provid$ to
 resid5tial wat] consum]s ( ! qualifi$  
utility4  7j7 ,m&atory sp5d+  7#a7 ,9   

g5]al ,!re is appropriat$ to !          
,secret>y1 out ( any funds 9 ! ,treasury
 n o!rwise appropriat$1 #i1jjj1jjj1jjj  
to c>ry out ?is section1 to rema9       
available until ,septemb] #cj1 #bjbe4   
7#b7 ,requirem5t ,( ! am\nts made       
available "u p>agraph 7#a7 to provide   
loans "u ! loan program-- 7,a7 #ej p]c5t
 %all be us$ to provide loans to        
qualifi$ utilities describ$ 9 subsection
 7a77#f77;,a72 &  7,b7 #ej p]c5t %all be
 us$ to provide loans to qualifi$       
utilities describ$ 9 subsection         
7a77#f77;,b74  #c4 ,em]g5cy loans to    
privately-own$ wat] utilities  7a7      
,def9itions ,9 ?is section3 7#a7        
,em]g5cy p]iod ,! t]m em]g5cy p]iod     
means ! p]iod t-- 7,a7 beg9s on ,m>*    
#ac1 #bjbj2 &  7,b7 ends on ! date on   
:i* ! national em]g5cy t]m9ates "u      
section #bjb ( ! ,national ,em]g5cies   
,act 7#ej ,u4,s4,c4 #afbb74  7#b7 ,loan 
program ,! t]m loan program means ! loan
 program e/abli%$ by ! ,secret>y "u     
subsection 7b74  7#c7 ,loan repaym5t    

date ,! t]m loan repaym5t date means !  
date t is #b ye>s aft] ! date describ$ 9
 p>agraph 7#a77;,b74  7#d7 ,national    
em]g5cy ,! t]m national em]g5cy means ! 
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  7#e7 ,paym5t %ortfall   
7,a7 ,9 g5]al ,! t]m paym5t %ortfall1 ) 
respect to a qualifi$ utility1 means a  
good fai? e/imate ( ! total am\nt (     
rates & *>ges = wat] s]vice provid$ dur+
 ! em]g5cy p]iod t ! qualifi$ utility   
has n collect$ f resid5tial wat]        
consum]s ( ! qualifi$ utility1 z c]tifi$
 by ! qualifi$ utility to ! ,secret>y "u
 subsection 7g77#a74  7,b7 ,exclusion ,!
 t]m paym5t %ortfall does n include any 
portion ( ! uncollect$ am\nts describ$ 9
 subp>agraph 7,a7 t ! qualifi$ utility  
has sold to a ?ird p>ty4  7#f7 ,qualifi$
 utility ,! t]m qualifi$ utility means--
 7,a7 a privately own$1 =-pr(it         
community wat] sy/em 7z def9$ 9 section 

#adja ( ! ,safe ,dr9k+ ,wat] ,act 7#db  
,u4,s4,c4 #cjj;f772 &  7,b7 a privately 
own$1 =-pr(it treatm5t works 7z def9$ 9 
section #bab ( ! ,f$]al ,wat] ,pollution
 ,control ,act 7#cc ,u4,s4,c4 #abib774  
7#g7 ,resid5tial wat] consum] ,! t]m    
resid5tial wat] consum] means a h\sehold
 t s]ves z a pr9cipal resid5ce to :i*   
wat] s]vices are provid$ = any purpose  
o!r ?an resale4  7#h7 ,secret>y ,! t]m  
,secret>y means ! ,secret>y ( !         
,treasury4  7#i7 ,wat] s]vice ,! t]m    
wat] s]vice means ! treatm5t & provision
 ( dr9k+ wat]1 ! collection & treatm5t (
 wa/ewat]1 or /ormwat] managem5t provid$
 by a qualifi$ utility to a resid5tial  
wat] consum]1 includ+ any activities    
necess>y to provide ^? s]vices4  7b7    
,e/abli%m5t  7#a7 ,9 g5]al ,! ,secret>y 
%all e/abli% a loan program to ensure t 
qualifi$ utilities are able to cont9ue  
provid+ wat] s]vice to resid5tial wat]  
consum]s dur+ ! em]g5cy p]iod4  7#b7    
,requirem5t ,9 c>ry+ out ! loan program1
 ! ,secret>y %all take all necess>y     

/eps1 includ+ outrea* & ! provision (   
te*nical assi/ance to qualifi$          
utilities1 to ensure t all qualifi$     
utilities1 )\t ref]5ce to ! size ( !    
cu/om] base ( ! qualifi$ utility1 h a   
fair opportunity to apply = & obta9     
loans "u ! loan program4  7c7 ,loan     
au?orization ,! ,secret>y may make #a or
 m loans to a qualifi$ utility "u ! loan
 program1 su* t ! total am\nt ( loans   
provid$ to ! qualifi$ utility is n      
great] ?an ! paym5t %ortfall ( !        
qualifi$ utility4  7d7 ,loan repaym5t   
7#a7 ,9 g5]al ,except z provid$ 9       
p>agraph 7#b7 & subsection 7e71 a       
qualifi$ utility receiv+ a loan "u !    
loan program %all repay ! loan 9 full1 )
 accru$ int]e/1 n lat] ?an ! loan       
repaym5t date4  7#b7 ,"r to call        
,not)/&+ p>agraph 7#a7 & subsection 7e71
 if ! qualifi$ utility c>ries out or    
fails to c>ry out1 z applicable1 any ( !
 foll[+ actions1 a loan receiv$ by !    
qualifi$ utility "u ! loan program %all 
be due & payable 9 full1 ) accru$       

int]e/1 #ij days aft] ! date on :i* !   
utility c>ries out or fails to c>ry out1
 z applicable1 t action3 7,a7 ,dur+ !   
em]g5cy p]iod & aft] ! date on :i* !    
qualifi$ utility receives ! loan-- 7i7 !
 qualifi$ utility *>ges any resid5tial  
wat] consum] int]e/1 late fees1 or o!r  
*>ges or p5alties associat$ ) ! late    
paym5t or nonpaym5t ( rates or *>ges = !
 provision ( wat] s]vice2  7ii7 !       
qualifi$ utility discont9ues wat] s]vice
 or refuses to e/abli% new wat] s]vice  
to any resid5tial wat] consum] ( !      
qualifi$ utility due to ! nonpaym5t (   
rates or *>ges or ! nonpaym5t ( a       
deposit = ! provision ( wat] s]vice2    
7iii7 ! qualifi$ utility sells any      
uncollect$ resid5tial wat] consum] debt2
  7iv7 ! qualifi$ utility files an      
adv]se report on a resid5tial wat]      
consum] to a cr$it report+ ag5cy due to 
! nonpaym5t ( rates or *>ges = !        
provision ( wat] s]vice2 or  7v7 !      
qualifi$ utility *>ges a s]vice         
re/oration fee = ! re/oration ( s]vice  

describ$ 9 subp>agraph 7,b74  7,b7 ,n   
lat] ?an #cj days aft] ! date on :i* !  
qualifi$ utility receives ! loan1 !     
qualifi$ utility fails to re/ore 7except
 = reasons ( safety7 wat] s]vice to all 
resid5tial wat] consum]s ( ! qualifi$   
utility :o _h be5 disconnect$ due to    
nonpaym5t ( rates or *>ges = ! provision
 ( wat] s]vice4  7e7 ,loan =giv5ess     
7#a7 ,9 g5]al ,except z provid$ 9       
subsection 7d77#b71 aft] receipt ( a    
c]tification "u subsection 7g77#b71 !   
,secret>y %all =give any loans provid$  
to a qualifi$ utility "u ! loan program 
9 an am\nt equal to #ej p]c5t ( ! total 
am\nt ( ! paym5t %ortfall f ! resid5tial
 wat] consum]s ( ! qualifi$ utility =   
wat] s]vice provid$ by ! qualifi$       
utility to ^? resid5tial wat] consum]s  
dur+ ! em]g5cy p]iod4  7#b7 ,requirem5ts
 ,on =giv5ess ( a loan or a portion ( a 
loan "u p>agraph 7#a71 ! qualifi$       
utility %all-- 7,a7 =give all out/&+    
debt ow$ to ! qualifi$ utility1 includ+ 
any int]e/ *>ges1 late fees1 or o!r     

*>ges or p5alties associat$ ) late      
paym5t or ! nonpaym5t ( rates or *>ges =
 ! provision ( wat] s]vice1 t results f 
! provision ( wat] s]vices to resid5tial
 wat] consum]s dur+ ! em]g5cy p]iod2 &  
7,b7 n lat] ?an #cj days aft] ! date on 
:i* ! debt describ$ 9 subp>agraph 7,a7  
is =giv5 = a resid5tial wat] consum]1   
notify ! resid5tial wat] consum] ( !    
am\nt ( t =giv5ess4  7f7 ,int]e/ rate ,a
 loan made "u ! loan program %all be>   
int]e/ at a rate n to exce$ #a p]c5t p] 
ye>4  7g7 ,borr[] requirem5ts  7#a7     
,application ,a qualifi$ utility seek+ a
 loan "u ! loan program %all submit to !
 ,secret>y an application at su* "t1 9  
su* mann]1 & conta9+ su* in=mation z !  
,secret>y may require1 includ+-- 7,a7 ! 
am\nt ( ! loan s\ght by ! qualifi$      
utility1 :i* %all be 9 an am\nt n great]
 ?an ! paym5t %ortfall ( ! qualifi$     
utility2 &  7,b7 a good fai?            
c]tification t-- 7i7 a significant numb]
 ( ! resid5tial wat] consum]s ( !       
qualifi$ utility are unable to pay = !  

wat] s]vice receiv$ by ^? resid5tial    
wat] consum]s dur+ ! em]g5cy p]iod2 &   
7ii7 ! am\nt ( ! loan s\ght by !        
qualifi$ utility is a good fai? e/imate 
( ! paym5t %ortfall ( ! qualifi$        
utility4  7#b7 ,f9al c]tification ,n    
e>li] ?an #ah mon?s aft] ! date describ$
 9 subsection 7a77#a77;,b7 & n lat] ?an 
! loan repaym5t date1 a qualifi$ utility
 t receives a loan "u ! loan program    
%all make a good fai? c]tification to ! 
,secret>y ( ! total am\nt ( rates t !   
qualifi$ utility has n collect$ f !     
resid5tial wat] consum]s ( ! qualifi$   
utility = ! wat] s]vice provid$ to ^?   
resid5tial wat] consum]s dur+ ! em]g5cy 
p]iod1 exclud+ any su* am\nt (          
uncollect$ paym5ts t ! qualifi$ utility 
has sold to a ?ird p>ty4  7#c7 ,report+ 
requirem5t ,a qualifi$ utility t        
receives a loan "u ! loan program %all1 
= ea* mon? until ! mon? aft] ! mon? ( ! 
loan repaym5t date or ! mon? 9 :i* !    
loan is =giv5 "u subsection 7e71 z      
applicable1 submit to ! ,secret>y a     

report t includes-- 7,a7 by ,,zip       
,code-- 7i7 ! numb] ( resid5tial wat]   
consum]s disconnect$ f wat] s]vice by ! 
qualifi$ utility due to nonpaym5t (     
rates & *>ges = ! provision ( wat]      
s]vice2  7ii7 ! numb] ( re/orations (   
wat] s]vice by ! qualifi$ utility (     
resid5tial wat] consum]s t _h be5       
disconnect$ = nonpaym5t ( rates & *>ges 
= ! provision ( wat] s]vice2  7iii7 !   
av]age "t ( ! qualifi$ utility betwe5-- 
7,i7 ! disconnection ( wat] s]vice by ! 
qualifi$ utility = nonpaym5t ( rates &  
*>ges = ! provision ( wat] s]vice2 &    
7,,ii7 ! re/oration ( t wat] s]vice2    
7iv7 ! numb] ( resid5tial wat] consum]s 
( ! qualifi$ utility t became eligible =
 disconnection ( wat] s]vice due to     
nonpaym5t ( rates & *>ges = ! provision 
( wat] s]vice b1 because ( a loan       
receiv$ "u ! loan program1 avoid$       
disconnection2  7v7 7,i7 ! numb] (      
resid5tial wat] consum]s ( ! qualifi$   
utility t are 9 arre>s ( paym5t ( rates 
& *>ges = ! provision ( wat] s]vice by !

 qualifi$ utility2 &  7,,ii7 ! total    
am\nt & ! range ( arre>ages = :i* all   
resid5tial wat] consum]s describ$ 9     
subclause 7,i7 are 9 arre>s2  7vi7 !    
total am\nt = :i* ! resid5tial wat]     
consum]s describ$ 9 clause 7v77,i7 h _h 
! am\nts describ$ 9 t clause =giv52     
7vii7 ! numb] ( resid5tial wat] consum]s
 t h _h an arre>age describ$ 9 clause   
7v77,i7 =giv5 9 full2  7viii7 a good    
fai? e/imate ( ! av]age am\nt p]        
resid5tial wat] consum] ( ! =giv5ess    
describ$ 9 clause 7vii72  7ix7 ! numb]1 
if any1 ( resid5tial wat] consum]s t h  
_h an arre>age describ$ 9 clause 7v77,i7
 =giv5 only 9 "p2  7x7 7,i7 ! numb]1 if 
any1 ( resid5tial wat] consum]s = :om an
 arre>age describ$ 9 clause 7v77,i7 has 
be5 sold to a ?ird-p>ty debt buy]2 &    
7,,ii7 ! total am\nt ( arre>ages        
describ$ 9 clause 7v77,i7 t h be5 sold  
to a ?ird-p>ty debt buy]1 if any2 &     
7xi7 data simil> to ! data describ$ 9   
clauses 7i7 ?r\gh 7x7 = ! arre>ages t _h
 accru$ at ! beg9n+ ( ! em]g5cy p]iod1  

includ+ h[ mu* ( ^? arre>ages h be5     
=giv5 or sold1 & h[ mu* ( ^? arre>ages  
rema92 &  7,b7 a /atem5t ( :e!r !       
qualifi$ utility has c>ri$ out any ( !  
actions describ$ 9 subsection           
7d77#b77;,a7 or fail$ to c>ry out any ( 
! actions describ$ 9 subsection         
7d77#b77;,b7 )9 ! applicable mon?4  7h7 
,submissions to ,congress  7#a7 ,mon?ly 
reports ,n lat] ?an #ahj days aft] !    
date ( enactm5t ( ?is ,act1 & e o!r mon?
 !reaft] = :i* fund+ = ?is section      
rema9s available1 ! ,secret>y %all      
submit to ! ,committees on              
,appropriations1 ,f9ancial ,s]vices1    
,en]gy & ,comm]ce1 & ,transportation &  
,infra/ructure ( ! ,h\se (              
,repres5tatives & ! ,committees on      
,appropriations1 ,environm5t & ,public  
,works1 & ,f9ance ( ! ,s5ate a report t 
describes-- 7,a7 ea* qualifi$ utility t 
receiv$ a loan "u or pursuant to ?is    
section2  7,b7 ! total am\nt ( ea* loan 
provid$ "u or pursuant to ?is section2  
7,c7 ! am\nt =giv5 "u subsection 7e7 =  

ea* loan provid$ "u or pursuant to ?is  
section2 &  7,d7 a summ>y ( ! in=mation 
provid$ by ea* qualifi$ utility t       
receives a loan "u or pursuant to ?is   
section "u p>agraphs 7#b7 & 7#c7 (      
subsection 7g74  7#b7 ,o!r reports ,!   
,secret>y %all submit to ! ,committees  
on ,appropriations1 ,f9ancial ,s]vices1 
,en]gy & ,comm]ce1 & ,transportation &  
,infra/ructure ( ! ,h\se (              
,repres5tatives & ! ,committees on      
,appropriations1 ,environm5t & ,public  
,works1 & ,f9ance ( ! ,s5ate a report t 
describes ! results ( activities c>ri$  
out pursuant to ?is section-- 7,a7 n    
lat] ?an #a ye> aft] ! date ( enactm5t (
 ?is ,act2  7,b7 on ! date on :i* all   
funds appropriat$ "u subsection 7k7 h   
be5 fully disburs$2 &  7,c7 on ! date on
 :i* all loans made "u or pursuant to   
?is section h be5 repaid or =giv54  7i7 
,taxability ,a loan =giv5 "u subsection 
7e7 %all be exclud$ f gross income =    
purposes ( ! ,int]nal ,rev5ue ,code (   
#aihf4  7j7 ,sav+s clause ,except z     

provid$ 9 subsection 7e71 no?+ 9 ?is    
section affects ! obligation (-- 7#a7 a 
resid5tial wat] consum] to pay = wat]   
s]vice receiv$ by ! resid5tial wat]     
consum]2 or  7#b7 a qualifi$ utility to 
make reasonable1 good fai? ef=ts to     
collect paym5t = wat] s]vices provid$ to
 resid5tial wat] consum]s ( ! qualifi$  
utility4  7k7 ,m&atory sp5d+  7#a7 ,9   
g5]al ,!re is appropriat$ to !          
,secret>y1 out ( any funds 9 ! ,treasury
 n o!rwise appropriat$1 #a1jjj1jjj1jjj  
to c>ry out ?is section1 to rema9       
available until ,septemb] #cj1 #bjbe4   
7#b7 ,requirem5t ,( ! am\nts made       
available "u p>agraph 7#a7 to provide   
loans "u ! loan program-- 7,a7 #ge p]c5t
 %all be us$ to provide loans to        
qualifi$ utilities describ$ 9 subsection
 7a77#f77;,a72 &  7,b7 #be p]c5t %all be
 us$ to provide loans to qualifi$       
utilities describ$ 9 subsection         
7a77#f77;,b74  #d4 ,em]g5cy loans to    
municipal & coop]ative electric         
utilities  7a7 ,def9itions ,9 ?is       

section3 7#a7 ,electric s]vice ,! t]m   
electric s]vice means ! deliv]y (       
electric en]gy by a qualifi$ utility to 
a resid5tial electricity consum]4  7#b7 
,electricity consum] ,! t]m electricity 
consum] means a p]son to :i* electric   
en]gy is sold by a qualifi$ utility =   
any purpose o!r ?an resale4  7#c7       
,em]g5cy p]iod ,! t]m em]g5cy p]iod     
means ! p]iod t-- 7,a7 beg9s on ,m>*    
#ac1 #bjbj2 &  7,b7 ends on ! date on   
:i* ! national em]g5cy t]m9ates "u      
section #bjb ( ! ,national ,em]g5cies   
,act 7#ej ,u4,s4,c4 #afbb74  7#d7 ,loan 
program ,! t]m loan program means ! loan
 program e/abli%$ by ! ,secret>y "u     
subsection 7b74  7#e7 ,loan repaym5t    
date ,! t]m loan repaym5t date means !  
date t is #b ye>s aft] ! date describ$ 9
 p>agraph 7#c77;,b74  7#f7 ,national    
em]g5cy ,! t]m national em]g5cy means ! 
national em]g5cy decl>$ by ! ,presid5t 9
 response to ! coronavirus disease on   
,m>* #ac1 #bjbj 7,proclamation #iiid1   
#he ,f$4 ,reg4 #aeccg 7,m>4 #ah1        

#bjbj774  7#g7 ,paym5t %ortfall ,! t]m  
paym5t %ortfall1 ) respect to a qualifi$
 utility1 means a good fai? e/imate ( ! 
total am\nt ( rates & *>ges 7includ+    
int]e/ & fees7 = electric s]vice provid$
 dur+ ! em]g5cy p]iod t ! qualifi$      
utility is unable to collect f all      
resid5tial electricity consum]s ( !     
qualifi$ utility1 z c]tifi$ by !        
qualifi$ utility to ! ,secret>y "u      
subsection 7g77#a74  7#h7 ,qualifi$     
utility ,! t]m qualifi$ utility means-- 
7,a7 an electric coop]ative 7z def9$ 9  
section #c ( ! ,f$]al ,p[] ,act 7#af    
,u4,s4,c4 #gif772 &  7,b7 an ag5cy1     
au?ority1 or in/rum5tality ( a ,/ate or 
political subdivision ( a ,/ate t sells 
electric en]gy to resid5tial electricity
 consum]s4  7#i7 ,secret>y ,! t]m       
,secret>y means ! ,secret>y ( ,en]gy4   
7b7 ,e/abli%m5t ,! ,secret>y %all       
e/abli% a loan program to ensure t      
qualifi$ utilities are able to cont9ue  
provid+ electric s]vice to resid5tial   
electricity consum]s dur+ ! em]g5cy     

p]iod4  7c7 ,loan au?orization ,!       
,secret>y may make #a or m loans to a   
qualifi$ utility "u ! loan program1 su* 
t ! total am\nt ( loans provid$ to !    
qualifi$ utility is n m ?an ! paym5t    
%ortfall ( ! qualifi$ utility4  7d7     
,loan repaym5t  7#a7 ,9 g5]al ,except z 
provid$ 9 p>agraph 7#b7 & subsection    
7e71 a qualifi$ utility receiv+ a loan  
"u ! loan program %all repay ! loan 9   
full1 ) accru$ int]e/1 n lat] ?an ! loan
 repaym5t date4  7#b7 ,"r to call       
,not)/&+ p>agraph 7#a7 & subsection 7e71
 if1 dur+ ! em]g5cy p]iod & aft] ! date 
on :i* a qualifi$ utility receives a    
loan "u ! loan program1 ! qualifi$      
utility discont9ues electric s]vice to !
 resid5tial electricity consum]s ( !    
qualifi$ utility due to nonpaym5t (     
rates & *>ges = ! provision ( electric  
s]vice1 ! loan %all be due & payable 9  
full1 ) accru$ int]e/1 #ij days aft] !  
date on :i* ! qualifi$ utility          
discont9ues t electric s]vice4  7e7     
,loan =giv5ess ,except z provid$ 9      

subsection 7d77#b71 ! ,secret>y %all    
=give any loans provid$ to a qualifi$   
utility "u ! loan program 9 an am\nt    
equal to ! total am\nt ( paym5ts !      
qualifi$ utility 0 unable to collect f !
 resid5tial electricity consum]s ( !    
qualifi$ utility = electric s]vice      
provid$ by ! qualifi$ utility to ^?     
resid5tial electricity consum]s dur+ !  
em]g5cy p]iod4  7f7 ,int]e/ rate ,a loan
 made "u ! loan program %all be> int]e/ 
at a rate n to exce$ #a p]c5t p] ye>4   
7g7 ,borr[] requirem5ts  7#a7           
,application ,a qualifi$ utility seek+ a
 loan "u ! loan program %all submit to !
 ,secret>y an application at su* "t1 9  
su* mann]1 & conta9+ su* in=mation z !  
,secret>y may require1 includ+-- 7,a7 ! 
am\nt ( ! loan s\ght by ! qualifi$      
utility1 :i* %all be 9 an am\nt equal to
 ! paym5t %ortfall ( ! qualifi$ utility2
 &  7,b7 a good fai? c]tification t--   
7i7 a significant numb] ( ! resid5tial  
electricity consum]s ( ! qualifi$       
utility are unable to pay = ! electric  

s]vice receiv$ by ^? resid5tial         
electricity consum]s dur+ ! em]g5cy     
p]iod2  7ii7 ! am\nt ( ! loan s\ght by !
 qualifi$ utility is a good fai? e/imate
 ( ! paym5t %ortfall ( ! qualifi$       
utility2 &  7iii7 a loan 9 ! am\nt      
describ$ 9 subp>agraph 7,a7 is ne$$ to  
support ! qualifi$ utility 9 cont9u+ to 
provide electric s]vice to ! resid5tial 
electricity consum]s ( ! qualifi$       
utility dur+ ! em]g5cy p]iod4  7#b7     
,f9al c]tification ,n e>li] ?an ! date  
describ$ 9 subsection 7a77#c77;,b7 & n  
lat] ?an ! loan repaym5t date1 a        
qualifi$ utility t receives a loan "u ! 
loan program %all make a good fai?      
c]tification to ! ,secret>y ( ! total   
am\nt ( rates & *>ges 7includ+ int]e/ & 
fees7 t ! qualifi$ utility has be5      
unable to recov] f ! resid5tial         
electricity consum]s ( ! qualifi$       
utility = ! electric s]vice provid$ to  
^? resid5tial electricity consum]s dur+ 
! em]g5cy p]iod4  7h7 ,taxability ,a    
loan =giv5 "u subsection 7e7 %all be    

exclud$ f gross income = purposes ( !   
,int]nal ,rev5ue ,code ( #aihf4  7i7    
,sav+s clause ,except z provid$ 9       
subsection 7e71 no?+ 9 ?is section      
affects ! obligation (-- 7#a7 an        
electricity consum] to pay = electric   
s]vice receiv$ by ! electricity consum]2
 or  7#b7 a qualifi$ utility to make    
reasonable1 good fai? ef=ts to collect  
paym5t = electric s]vice provid$ to     
electricity consum]s ( ! qualifi$       
utility4  7j7 ,m&atory sp5d+  7#a7 ,9   
g5]al ,!re is appropriat$ to !          
,secret>y1 out ( any funds 9 ! ,treasury
 n o!rwise appropriat$1 #d1jjj1jjj1jjj  
to c>ry out ?is section1 to rema9       
available until ,septemb] #cj1 #bjbe4   
7#b7 ,requirem5t ,( ! am\nts made       
available "u p>agraph 7#a7 to provide   
loans "u ! loan program-- 7,a7 #ej p]c5t
 %all be us$ to provide loans to        
qualifi$ utilities describ$ 9 subsection
 7a77#h77;,a72 &  7,b7 #ej p]c5t %all be
 us$ to provide loans to qualifi$       
utilities describ$ 9 subsection         

7a77#h77;,b74  #e4 ,em]g5cy loans to    
inve/or-own$ en]gy utilities  7a7       
,def9itions ,9 ?is section3 7#a7        
,em]g5cy p]iod ,! t]m em]g5cy p]iod     
means ! p]iod t-- 7,a7 beg9s on ,m>*    
#ac1 #bjbj2 &  7,b7 ends on ! date on   
:i* ! national em]g5cy t]m9ates "u      
section #bjb ( ! ,national ,em]g5cies   
,act 7#ej ,u4,s4,c4 #afbb74  7#b7 ,en]gy
 consum] ,! t]m en]gy consum] means a   
p]son to :i* electric en]gy1 natural    
gas1 or propane is sold by a qualifi$   
utility = any purpose o!r ?an resale4   
7#c7 ,en]gy s]vice ,! t]m en]gy s]vice  
means ! deliv]y ( electric en]gy1       
natural gas1 or propane by a qualifi$   
utility to a resid5tial en]gy consum]4  
7#d7 ,int]e/1 late fees1 or o!r *>ges ,!
 t]m int]e/1 late fees1 or o!r *>ges1 ) 
respect to ! provision ( en]gy s]vice to
 a resid5tial en]gy consum]1 includes-- 
7,a7 any late fee *>g$ by a qualifi$    
utility ) respect to ! paym5t or        
nonpaym5t ( rates2  7,b7 any o!r fee    
*>g$ by a qualifi$ utility t is         

associat$ )-- 7i7 ! paym5t or nonpaym5t 
( rates2 or  7ii7 ! connection1         
disconnection1 or reconnection ( a      
resid5tial en]gy consum]2 &  7,c7 any   
int]e/ *>g$ by a qualifi$ utility to a  
resid5tial en]gy consum]4  7#e7 ,loan   
program ,! t]m loan program means ! loan
 program e/abli%$ by ! ,secret>y "u     
subsection 7b74  7#f7 ,loan repaym5t    
date ,! t]m loan repaym5t date means !  
date t is #b ye>s aft] ! date describ$ 9
 p>agraph 7#a77;,b74  7#g7 ,national    
em]g5cy ,! t]m national em]g5cy means ! 
national em]g5cy decl>$ by ! ,presid5t 9
 response to ! coronavirus disease on   
,m>* #ac1 #bjbj 7,proclamation #iiid1   
#he ,f$4 ,reg4 #aeccg 7,m>4 #ah1        
#bjbj774  7#h7 ,paym5t %ortfall ,! t]m  
paym5t %ortfall1 ) respect to a qualifi$
 utility1 means a good fai? e/imate ( ! 
total am\nt ( rates = en]gy s]vice      
provid$ dur+ ! em]g5cy p]iod t !        
qualifi$ utility is unable to collect f 
all resid5tial en]gy consum]s ( !       
qualifi$ utility1 z c]tifi$ by !        

qualifi$ utility to ! ,secret>y "u      
subsection 7g77#a74  7#i7 ,qualifi$     
utility ,! t]m qualifi$ utility means an
 inve/or-own$-- 7,a7 electric utility2  
7,b7 gas utility2 or  7,c7 utility t    
sells & deliv]s propane to en]gy        
consum]s4  7#aj7 ,rate  7,a7 ,9 g5]al ,!
 t]m rate1 ) respect to ! provision (   
en]gy s]vice to a resid5tial en]gy      
consum]1 means ! am\nt *>g$ by a        
qualifi$ utility = t en]gy s]vice4  7,b7
 ,exclusions ,! t]m rate does n         
include-- 7i7 any late fee *>g$ by a    
qualifi$ utility ) respect to ! paym5t  
or nonpaym5t ( an am\nt describ$ 9      
subp>agraph 7,a72  7ii7 any o!r fee *>g$
 by a qualifi$ utility t is associat$   
)-- 7,i7 ! paym5t or nonpaym5t ( an     
am\nt describ$ 9 t subp>agraph2 or      
7,,ii7 ! connection1 disconnection1 or  
reconnection ( a resid5tial en]gy       
consum]2 or  7iii7 any int]e/ *>g$ by a 
qualifi$ utility to a resid5tial en]gy  
consum]1 includ+ any int]e/ on-- 7,i7 a 
fee describ$ 9 clause 7i7 or 7ii72 or   

7,,ii7 an am\nt describ$ 9 subp>agraph  
7,a74  7#aa7 ,secret>y ,! t]m ,secret>y 
means ! ,secret>y ( ! ,treasury4  7b7   
,e/abli%m5t ,! ,secret>y %all e/abli% a 
loan program to ensure t qualifi$       
utilities are able to cont9ue provid+   
en]gy s]vice to resid5tial en]gy        
consum]s dur+ ! em]g5cy p]iod4  7c7     
,loan au?orization ,! ,secret>y may make
 #a or m loans to a qualifi$ utility "u 
! loan program1 su* t ! total am\nt (   
loans provid$ to ! qualifi$ utility is n
 m ?an ! paym5t %ortfall ( ! qualifi$   
utility4  7d7 ,loan repaym5t  7#a7 ,9   
g5]al ,except z provid$ 9 p>agraph 7#b7 
& subsection 7e71 a qualifi$ utility    
receiv+ a loan "u ! loan program %all   
repay ! loan 9 full1 ) accru$ int]e/1 n 
lat] ?an ! loan repaym5t date4  7#b7 ,"r
 to call ,not)/&+ p>agraph 7#a7 &       
subsection 7e71 if1 dur+ ! em]g5cy p]iod
 & aft] ! date on :i* a qualifi$ utility
 receives a loan "u ! loan program1 !   
qualifi$ utility *>ges resid5tial en]gy 
consum]s int]e/1 late fees1 or o!r      

*>ges1 does n reconnect all resid5tial  
en]gy consum]s :o h be5 disconnect$ =   
nonpaym5t ( rates or int]e/1 late fees1 
or o!r *>ges by ! date t is #cj days    
aft] ! date on :i* ! loan is made1 or   
discont9ues en]gy s]vice to a resid5tial
 en]gy consum] due to nonpaym5t ( rates 
or int]e/1 late fees1 or o!r *>ges1 !   
loan %all be due & payable 9 full1 )    
accru$ int]e/1 #ij days aft]1 z         
applicable-- 7,a7 ! date on :i* !       
qualifi$ utility fir/ *>g$ resid5tial   
en]gy consum]s int]e/1 late fees1 or o!r
 *>ges aft] receiv+ ! loan2  7,b7 !     
deadl9e by :i* to reconnect all         
resid5tial en]gy consum]s "u ?is        
p>agraph2 or  7,c7 ! fir/ date aft]     
receipt ( ! loan on :i* ! qualifi$      
utility disconnect$ a resid5tial en]gy  
consum]4  7e7 ,loan =giv5ess  7#a7 ,9   
g5]al ,except z provid$ 9 subsection    
7d77#b71 aft] receiv+ f a qualifi$      
utility ! f9al c]tification describ$ 9  
subsection 7g77#b71 ! ,secret>y %all    
=give any loans provid$ to t qualifi$   

utility "u ! loan program 9 an am\nt    
equal to #ej p]c5t ( ! total am\nt (    
rates ! qualifi$ utility 0 unable to    
collect f ! resid5tial en]gy consum]s ( 
! qualifi$ utility = en]gy s]vice       
provid$ by ! qualifi$ utility to ^?     
resid5tial en]gy consum]s dur+ ! em]g5cy
 p]iod4  7#b7 ,requirem5t ,on =giv5ess (
 a loan or a portion ( a loan "u        
p>agraph 7#a71 ! qualifi$ utility %all  
=give all out/&+ debt ow$ to ! qualifi$ 
utility t results f ! provision ( en]gy 
s]vice to resid5tial en]gy consum]s dur+
 ! em]g5cy p]iod4  7f7 ,int]e/ rate ,a  
loan made "u ! loan program %all be>    
int]e/ at a rate n to exce$ #a p]c5t p] 
ye>4  7g7 ,borr[] requirem5ts  7#a7     
,application ,a qualifi$ utility seek+ a
 loan "u ! loan program %all submit to !
 ,secret>y an application at su* "t1 9  
su* mann]1 & conta9+ su* in=mation z !  
,secret>y may require1 includ+-- 7,a7 ! 
am\nt ( ! loan s\ght by ! qualifi$      
utility1 :i* %all be 9 an am\nt equal to
 ! paym5t %ortfall ( ! qualifi$ utility2

 &  7,b7 a good fai? c]tification t--   
7i7 a significant numb] ( ! resid5tial  
en]gy consum]s ( ! qualifi$ utility are 
unable to pay = ! en]gy s]vice receiv$  
by ^? resid5tial en]gy consum]s dur+ !  
em]g5cy p]iod2 &  7ii7 ! am\nt ( ! loan 
s\ght by ! qualifi$ utility is a good   
fai? e/imate ( ! paym5t %ortfall ( !    
qualifi$ utility4  7#b7 ,f9al           
c]tification ,n e>li] ?an ! date t is   
#ah mon?s aft] ! date describ$ 9        
subsection 7a77#a77;,b7 & n lat] ?an !  
loan repaym5t date1 a qualifi$ utility t
 receives a loan "u ! loan program %all 
make a good fai? c]tification to !      
,secret>y ( ! am\nt ( rates t ! qualifi$
 utility has n recov]$ f ! resid5tial   
en]gy consum]s ( ! qualifi$ utility = ! 
en]gy s]vice provid$ to ^? resid5tial   
en]gy consum]s dur+ ! em]g5cy p]iod4    
7#c7 ,report+ requirem5ts ,a qualifi$   
utility t receives a loan "u ! loan     
program %all submit to ! ,secret>y a    
mon?ly report describ+-- 7,a7 ! numb] ( 
resid5tial en]gy consum]s disconnect$ by

 ! qualifi$ utility = nonpaym5t2  7,b7 !
 numb] ( s]vice re/orations to          
resid5tial en]gy consum]s disconnect$ = 
nonpaym5t2  7,c7 ! av]age "t betwe5     
s]vice disconnection = nonpaym5t &      
s]vice re/oration2  7,d7 ! numb] (      
resid5tial en]gy consum]s t became      
eligible = disconnection = nonpaym5t b  
avoid$ disconnection because ( a loan "u
 ! loan program2  7,e7 ! numb] (        
resid5tial en]gy consum]s 9 arre>s & !  
total doll> am\nt ( arre>s = resid5tial 
en]gy consum]s ( ! qualifi$ utility2 &  
7,f7 ! am\nt ( arre>s =giv5 by !        
qualifi$ utility ) respect to resid5tial
 en]gy consum]s4  7h7 ,taxability ,a    
loan =giv5 "u subsection 7e7 %all be    
exclud$ f gross income = purposes ( !   
,int]nal ,rev5ue ,code ( #aihf4  7i7    
,sav+s clause ,except z provid$ 9       
subsection 7e71 no?+ 9 ?is section      
affects ! obligation (-- 7#a7 an en]gy  
consum] to pay = en]gy s]vice receiv$ by
 ! en]gy consum]2 or  7#b7 a qualifi$   
utility to make reasonable1 good fai?   

ef=ts to collect paym5t = en]gy s]vice  
provid$ to en]gy consum]s ( ! qualifi$  
utility4  7j7 ,m&atory sp5d+ ,!re is    
appropriat$ to ! ,secret>y1 out ( any   
funds 9 ! ,treasury n o!rwise           
appropriat$1 #f1jjj1jjj1jjj to c>ry out 
?is section1 to rema9 available until   
,septemb] #cj1 #bjbe4  #f4 ,em]g5cy     
loans to int]net s]vice provid]s  7a7   
,def9itions ,9 ?is section3 7#a7 ,cov]$ 
loan ,! t]m cov]$ loan means a loan made
 by ! ,secret>y to an int]net s]vice    
provid] "u ! program e/abli%$ "u        
subsection 7c74  7#b7 ,int]net consum]  
,! t]m int]net consum] means a h\sehold 
to :i* int]net s]vice is provid$4  7#c7 
,em]g5cy p]iod ,! t]m em]g5cy p]iod     
means ! p]iod dur+ :i* ! national       
em]g5cy decl>ation by ! ,presid5t "u !  
,national ,em]g5cies ,act 7#ej ,u4,s4,c4
 #afja et seq47 ) respect to !          
,coronavirus ,disease #bjai             
7,,covid-#ai7 is 9 effect4  7#d7 ,l>ge  
int]net s]vice provid] ,! t]m l>ge      
int]net s]vice provid] means an int]net 

s]vice provid] t provides int]net s]vice
 to n few] ?an #bej1jjj cu/om]s4  7#e7  
,loan repaym5t date ,! t]m loan repaym5t
 date means ! date t is #b ye>s aft] !  
la/ day ( ! em]g5cy p]iod4  7#f7 ,paym5t
 %ortfall ,! t]m paym5t %ortfall means !
 total am\nt ( rates & *>ges = int]net  
s]vice provid$ by an int]net s]vice     
provid] dur+ ! em]g5cy p]iod t ! provid]
 is unable to recov] f int]net consum]s4
  7#g7 ,secret>y ,! t]m ,secret>y means 
! ,secret>y ( ! ,treasury4  7#h7 ,small 
int]net s]vice provid] ,! t]m small     
int]net s]vice provid] means an int]net 
s]vice provid] t provides int]net s]vice
 to few] ?an #bej1jjj cu/om]s4  7b7     
,e/abli%m5t ( loan program ,! ,secret>y 
%all e/abli% a loan program 9 accordance
 ) ?is section to ensure t int]net      
s]vice provid]s are able to cont9ue     
provid+ int]net s]vice to _! int]net    
consum]s dur+ ! em]g5cy p]iod4  7c7     
,loan au?orization ,! ,secret>y may make
 #a or m loans to an int]net s]vice     
provid] "u ?is section 9 a total am\nt  

equal to ! paym5t %ortfall ( ! int]net  
s]vice provid]1 bas$ on a good-fai?     
e/imate ( ! paym5t %ortfall made by !   
provid] :5 apply+ = ! loan4  7d7 ,loan  
repaym5t  7#a7 ,9 g5]al ,except z       
provid$ 9 p>agraph 7#b7 & subsections   
7e7 & 7f71 n lat] ?an ! loan repaym5t   
date1 an int]net s]vice provid] receiv+ 
a cov]$ loan %all repay ! cov]$ loan 9  
full1 ) accru$ int]e/4  7#b7 ,ext5sion  
if =giv5ess am\nt p5d+ ,x %all n be     
consid]$ a violation ( p>agraph 7#a7 if 
an int]net s]vice provid]-- 7,a7 submits
 a f9al c]tification "u subsection      
7h77#b7 on or be=e ! loan repaym5t date2
  7,b7 is unable to meet ! deadl9e "u   
p>agraph 7#a7 ( ?is subsection because !
 int]net s]vice provid] is wait+ = !    
,secret>y to calculate ! am\nt ( ! cov]$
 loan t w be =giv52 &  7,c7 pays ! f9al 
balance ow$ on ! cov]$ loan )9 a        
reasonable am\nt ( "t1 z det]m9$ by !   
,secret>y1 aft] ! ,secret>y =gives !    
cov]$ loan 79 :ole or 9 "p7 "u          
subsection 7e77#a74  7e7 ,loan =giv5ess 

7#a7 ,=giv5ess ( cov]$ loans  7,a7 ,9   
g5]al ,except z provid$ 9 subsection    
7f71 aft] receiv+ a f9al c]tification f 
an int]net s]vice provid] "u subsection 
7h77#b71 ! ,secret>y %all =give-- 7i7 ! 
portion ( ! total am\nt ( cov]$ loans   
made to ! int]net s]vice provid] t is   
equal to ! applicable am\nt2 &  7ii7 !  
int]e/ accru$ on ! =giv5 am\nt describ$ 
9 clause 7i74  7,b7 ,applicable am\nt ,=
 purposes ( ?is p>agraph1 ! t]m         
applicable am\nt-- 7i7 ) respect to a   
small int]net s]vice provid]1 means !   
paym5t %ortfall2 &  7ii7 ) respect to a 
l>ge int]net s]vice provid]1 means      
"o-half ( ! paym5t %ortfall4  7#b7      
,=giv5ess ( cu/om] debt ,^u =giv5ess ( !
 cov]$ loans 79 :ole or 9 "p7 made to an
 int]net s]vice provid] "u p>agraph     
7#a71 ! int]net s]vice provid] %all     
=give all out/&+ debt ( ! int]net       
consum]s ( ! int]net s]vice provid]     
relat+ to int]net s]vice provid$ dur+ ! 
em]g5cy p]iod4  7f7 ,"r to call ,if1    
aft] receipt ( a cov]$ loan1 an int]net 

s]vice provid] discont9ues int]net      
s]vice to an int]net consum] = nonpaym5t
 ( a bill dur+ ! em]g5cy p]iod1 ! cov]$ 
loan %all be due & payable 9 full to !  
,secret>y1 ) accru$ int]e/1 n lat] ?an  
#ij days aft] ! date ( discont9uance4   
7g7 ,int]e/ rate ,a cov]$ loan %all be> 
int]e/ at a rate ( n m ?an #a p]c5t p]  
ye>4  7h7 ,borr[] requirem5ts  7#a7     
,initial c]tification ,9 apply+ = a     
cov]$ loan1 an int]net s]vice provid]   
%all c]tify to ! ,secret>y t-- 7,a7 a   
significant numb] ( its int]net consum]s
 are unable to pay = int]net s]vice dur+
 ! national em]g5cy2 &  7,b7 ! am\nt ( !
 cov]$ loan reque/$ is a good fai?      
e/imate ( ! paym5t %ortfall ( ! int]net 
s]vice provid]4  7#b7 ,f9al c]tification
 ,n e>li] ?an #ah mon?s aft] ! la/ day (
 ! em]g5cy p]iod1 & n lat] ?an ! loan   
repaym5t date1 an int]net s]vice provid]
 t receives a cov]$ loan %all c]tify to 
! ,secret>y ! am\nt ( ! paym5t %ortfall4
  7i7 ,taxability ,= purposes ( !       
,int]nal ,rev5ue ,code ( #aihf1 any     

am\nt t 7b = ?is subsection7 w\ld be    
includ$ 9 ! gross income ( an int]net   
s]vice provid] by reason ( =giv5ess "u  
subsection 7e77#a7 %all be exclud$ f    
gross income4  7j7 ,sav+s clause ,except
 z provid$ 9 subsection 7e71 no?+ 9 ?is 
section %all be con/ru$ to relieve--    
7#a7 an int]net consum] f pay+ = int]net
 s]vice provid$ to ! int]net consum]2 or
  7#b7 an int]net s]vice provid] f mak+ 
reasonable1 good fai? ef=ts to collect  
paym5t = int]net s]vice f its int]net   
consum]s4  7k7 ,direct appropriation    
,out ( any funds 9 ! ,treasury n o!rwise
 appropriat$1 !re is appropriat$ to !   
,secret>y to c>ry out ?is section       
#aj1jjj1jjj1jjj = fiscal ye> #bjba1 to  
rema9 available ?r\gh ,septemb] #cj1    
#bjbe1 ( :i*-- 7#a7 #d1jjj1jjj1jjj %all 
be = cov]$ loans to small int]net s]vice
 provid]s2 &  7#b7 #f1jjj1jjj1jjj %all  
be = cov]$ loans to l>ge int]net s]vice 
provid]s4