,i  #aaith ,,congress  #ast ,session    
,h4 ,r4 #bibh  ,,in ,,the ,,house ,,of  
,,representatives  ,april #ag1 #bjbe,ms4
 ,chu 7for herself1 ,mr4 ,sherman1 ,ms4 
,snchez1 ,ms4 ,friedman1 ,mr4 ,fields1  
,mr4 ,gomez1 ,mr4 ,correa1 ,ms4         
,pressley1 ,ms4 ,tokuda1 ,mr4 ,thanedar1
 ,mr4 ,huffman1 ,mr4 ,neguse1 and ,ms4  
,garcia of ,texas7 introduced the       
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to provide forbearance      
assistance during a major disaster or   
emergency1 and for other purposes4  #a4 
,short title ,this ,act may be cited as 
the ,mortgage ,relief for ,disaster     
,survivors ,act4  #b4 ,forbearance of   
loan payments for borrowers of          
properties with ,federally backed loans 
7a7 ,in general ,with respect to any    
disaster1 a borrower with a covered     
mortgage loan for a property located    
within the disaster area that is damaged
 or destroyed by such disaster may      
request a forbearance on such loan      

during the covered period4  7b7 ,request
 for forbearance ,a borrower described  
in subsection 7a7 may request a         
forbearance by-- 7#a7 submitting a      
written request for a forbearance to the
 borrower's servicer2 and  7#b7         
providing documentation of verifiable   
damage or destruction to the property4  
7c7 ,grant of forbearance  7#a7 ,in     
general ,upon receiving a request for a 
forbearance from a borrower described in
 subsection 7a71 the borrower's servicer
 shall grant a forbearance-- 7,a7 for a 
duration of #ahj days2 and  7,b7        
regardless of the delinquency status of 
the covered mortgage loan4  7#b7        
,extension of forbearance ,at any time  
during the forbearance1 a borrower may  
request an extension1 of not more than  
#ahj days1 of the duration described in 
paragraph 7#a74  7d7 ,right ,to         
discontinue ,a borrower described in    
subsection 7a7 may request to           
discontinue the forbearance at any time4
  7e7 ,accrual ,during any forbearance  

granted under subsection 7c71 no fees1  
penalties1 or interest 7beyond the      
amounts scheduled or calculated as if   
the borrower made all contractual       
payments on time and in full under the  
terms of the mortgage contract7 shall   
accrue on the borrower's account4  #c4  
,definitions ,in this ,act3 7#a7        
,covered mortgage loan ,the covered     
mortgage loan means-- 7,a7 a ,federally 
backed mortgage loan2 or  7,b7 a        
,federally backed multifamily mortgage  
loan4  7#b7 ,covered period ,the term   
covered period means the period         
beginning on the date of the declaration
 of a disaster and ending on the date   
that such declaration ends4  7#c7       
,disaster ,the term disaster means any  
major disaster or emergency declared by 
the ,president under the ,robert ,t4    
,stafford ,disaster ,relief and         
,emergency ,assistance ,act 7#db        
,u4,s4,c4 #daba et seq474  7#d7         
,disaster area ,the term disaster area  
means1 with respect to a disaster1 any  

area that is subject to the declaration 
of such disaster4  7#e7 ,federally      
backed mortgage loan ,the term          
,federally backed mortgage loan includes
 any loan 7other than temporary         
financing1 such as a construction loan7 
that is-- 7,a7 secured by a first or    
subordinate lien on residential real    
property 7including individual units of 
condominiums and cooperatives7 designed 
principally for the occupancy of from #a
 to #d families1 including any such     
secured loan1 the proceeds of which are 
used to prepay or pay off an existing   
loan secured by the same property2 and  
7,b7 purchased or securitized by the    
,federal ,home ,loan ,mortgage          
,corporation or the ,federal ,national  
,mortgage ,association4  7#f7 ,federally
 backed multifamily mortgage loan ,the  
term ,federally backed multifamily      
mortgage loan includes any loan 7other  
than temporary financing1 such as a     
construction loan7 that is-- 7,a7       
secured by a first or subordinate lien  

on residential multifamily real property
 designed principally for the occupancy 
of #e or more families1 including any   
such secured loan1 the proceeds of which
 are used to prepay or pay off an       
existing loan secured by the same       
property2 and  7,b7 purchased or        
securitized by the ,federal ,home ,loan 
,mortgage ,corporation or the ,federal  
,national ,mortgage ,association4