,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #egjh  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,octob] #h1 #bjbe,mr4 
,boyle ( ,p5nsylvania 7= himself1 ,ms4  
,r&all1 ,ms4 ,moore ( ,wiscons91 ,mr4   
,c>t] ( ,l\isiana1 & ,ms4 ,sal9as7      
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,ov]sight & ,gov]nm5t  
,re=m1 & 9 addition to ! ,committees on 
,f9ancial ,s]vices1 ,ways & ,means1 !   
,judici>y1 ,education & ,work=ce1 &     
,h\se ,adm9i/ration1 = a p]iod to be    
subsequ5tly det]m9$ by ! ,speak]1 9 ea* 
case = consid]ation ( su* provisions z  
fall )9 ! jurisdiction ( ! committee    
conc]n$  ,a ,,bill  ,to susp5d !        
en=cem5t ( c]ta9 civil liabilities (    
,f$]al employees & contractors dur+ a   
lapse 9 appropriations1 or dur+ a brea* 
( ! /atutory debt limit1 & = o!r        
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,f$]al ,employees ,civil   
,relief ,act4  #b4 ,purpose ,! purpose (
 ?is ,act is to provide = ! tempor>y    
susp5sion ( judicial & adm9i/rative     

proce$+s & transactions t may adv]sely  
affect ! civil rights ( ,f$]al work]s   
dur+ a %utd[n4  #c4 ,def9itions ,9 ?is  
,act3 7#a7 ,consum] report+ ag5cy ,! t]m
 consum] report+ ag5cy has ! mean+ giv5 
! t]m 9 section #fjc7;f7 ( ! ,fair      
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;a7f774  7#b7 ,contractor ,! t]m   
contractor has ! mean+ giv5 ! t]m 9     
section #gaja ( title #da1 ,unit$ ,/ates
 ,code4  7#c7 ,c\rt2 judgm5t2 ,/ate ,!  
t]ms c\rt1 judgm5t1 & ,/ate h ! mean+s  
giv5 ^? t]ms 9 section #aja ( !         
,s]vicememb]s ,civil ,relief ,act 7#ej  
,u4,s4,c4 #ciaa74  7#d7 ,cov]$ p]iod ,! 
t]m cov]$ p]iod means ! p]iod beg9n+ on 
! date on :i* a %utd[n beg9s & end+ on !
 date t is #cj days aft] ! date on :i* t
 %utd[n ends4  7#e7 ,f$]al work] ,! t]m 
,f$]al work]--  7,a7 means an employee (
 a ,gov]nm5t ag5cy2 &  7,b7 includes an 
employee ( a contractor4  7#f7 ,gov]nm5t
 ag5cy ,! t]m ,gov]nm5t ag5cy means ea* 
au?ority ( ! executive1 legislative1 or 
judicial bran* ( ! ,gov]nm5t ( ! ,unit$ 

,/ates4  7#g7 ,%utd[n ,! t]m %utd[n     
means any p]iod 9 :i*--  7,a7 !re is m  
?an a #bd-;h\r lapse 9 appropriations = 
any ,gov]nm5t ag5cy or ,f$]al dep>tm5t z
 a result ( a failure to enact a regul> 
appropriations bill or cont9u+          
resolution2 or  7,b7 ! debt ( ! ,unit$  
,/ates ,gov]nm5t is great] ?an !        
/atutory limit "u section #caja ( title 
#ca1 ,unit$ ,/ates ,code4  #d4          
,jurisdiction  7a7 ,jurisdiction ,?is   
,act %all apply to-- 7#a7 ! ,unit$      
,/ates2  7#b7 ea* ( ! ,/ates1 includ+   
ea* political subdivision ( a ,/ate2 &  
7#c7 all t]ritory t is subject to !     
jurisdiction ( ! ,unit$ ,/ates4  7b7    
,applicability to proce$+s ,?is ,act--  
7#a7 %all apply to any judicial or      
adm9i/rative proce$+ t is comm5c$ 9 any 
c\rt or ag5cy 9 any jurisdiction t is   
subject to ?is ,act2 &  7#b7 %all n     
apply to crim9al proce$+s or ) respect  
to *ild support paym5ts4  7c7 ,c\rt 9   
:i* application may be made ,:51 "u ?is 
,act1 any application is requir$ to be  

made to a c\rt 9 :i* no proce$+ has     
already be5 comm5c$ ) respect to a      
matt]1 t application may be made to any 
c\rt t w\ld o!rwise h jurisdiction ov] !
 matt]4  7d7 ,notification  7#a7 ,9     
g5]al ,! head ( ! ,gov]nm5t ag5cy t     
employs a ,f$]al work]1 or at :i* a     
,f$]al work] p]=ms s]vices1 z           
applicable1 %all provide ! ,f$]al work] 
) writt5 notice reg>d+ ! b5efits provid$
 "u ?is ,act-- 7,a7 on ! date on :i* !  
individual becomes a ,f$]al work]2 &    
7,b7 p]iodically aft] ! date describ$ 9 
subp>agraph 7,a71 includ+ on ! date on  
:i* any %utd[n beg9s4  7#b7 ,legislative
 & judicial bran* ,) respect to a ,f$]al
 work] 9 a ,gov]nm5t ag5cy 9 !          
legislative bran* or judicial bran* 7or1
 9 ! case ( a ,f$]al work] :o is an     
employee ( a contractor1 :o provides    
s]vices at a ,gov]nm5t ag5cy 9 !        
legislative bran* or judicial bran*71 ! 
(fic] or employee at ! ,gov]nm5t ag5cy  
:o has ! f9al au?ority to appo9t1 hire1 
dis*>ge1 & set ! t]ms1 conditions1 or   

privileges ( ! employm5t ( ! ,f$]al     
work] %all provide ! notice requir$ "u  
p>agraph 7#a74  #e4 ,anticipatory relief
 ,a ,f$]al work] :o is furl\gh$ or      
requir$ to "w )\t pay dur+ a %utd[n may 
apply to a c\rt = a tempor>y /ay1       
po/ponem5t1 or susp5sion ) respect to   
any paym5t ( r5t1 mortgage1 tax1 f9e1   
p5alty1 insurance premium1 /ud5t loan   
repaym5t1 or o!r civil obligation or    
liability t ! ,f$]al work] or           
individual1 z applicable1 owes or w\ld  
owe dur+ ! duration ( ! %utd[n4  #f4    
,evictions  7a7 ,c\rt-,ord]$ eviction   
,except by ! ord] ( a c\rt1 a l&lord may
 n1 dur+ a %utd[n--  7#a7 evict a ,f$]al
 work] f premises t are occupi$ or      
int5d$ to be occupi$ prim>ily z a       
resid5ce2 or  7#b7 subject premises     
describ$ 9 p>agraph 7#a7 to a di/ress4  
7b7 ,/ay ( execution  7#a7 ,c\rt        
au?ority ,^u an application = eviction  
or di/ress ) respect to premises        
describ$ 9 subsection 7a77#a71 a c\rt   
may1 ^u motion ( ! c\rt1 & %all1 if a   

reque/ is made by or on behalf ( a      
,f$]al work]1 ! ability ( :om to pay !  
r5t t is ! subject ( ! action is        
mat]ially affect$ by a %utd[n-- 7,a7 /ay
 ! proce$+s = a p]iod ( #cj days1       
unless1 9 ! op9ion ( ! c\rt1 ju/ice &   
equity require a long] or %ort] p]iod ( 
"t2 or  7,b7 adju/ ! obligation "u !    
lease to pres]ve ! int]e/s ( all p>ties4
  7#b7 ,relief to l&lord ,if a c\rt     
grants a /ay "u p>agraph 7#a71 ! c\rt   
may grant to ! l&lord 7or o!r p]son )   
p>am\nt title7 su* relief z equity may  
require4  7c7 ,misdemeanor ,except z    
provid$ 9 subsection 7a71 a p]son t     
kn[+ly takes "p 9 an eviction or di/ress
 describ$ 9 t subsection1 or t kn[+ly   
attempts to take "p 9 an eviction or    
di/ress describ$ 9 t subsection1 %all be
 f9$ z provid$ 9 title #ah1 ,unit$      
,/ates ,code1 or imprison$ = n m ?an #a 
ye>1 or bo?4  #g4 ,mortgage protection &
 =eclosures  7a7 ,def9ition ,9 ?is      
section1 ! t]m cov]$ action means an    
action relat+ to an obligation--  7#a7 )

 respect to real or p]sonal prop]ty own$
 by a ,f$]al work]2 &  7#b7 t--  7,a7   
orig9at$ be=e ! date on :i* a %utd[n    
beg9s2  7,b7 is 9 effect on ! date on   
:i* a %utd[n beg9s2 &  7,c7 is secur$ by
 a mortgage1 tru/ de$1 or o!r security 9
 ! nature ( a mortgage4  7b7 ,/ay (     
proce$+s & adju/m5t ( obligation ,if a  
cov]$ action is fil$ 9 a c\rt dur+ a    
cov]$ p]iod1 ! c\rt may1 aft] a he>+ &  
^u ! motion ( ! c\rt1 & %all1 ^u        
application by ! ,f$]al work] if !      
ability ( ! ,f$]al work] to comply ) !  
cov]$ obligation is mat]ially affect$ by
 ! %utd[n--  7#a7 /ay ! proce$+s = a    
p]iod ( "t z ju/ice & equity require2 or
  7#b7 adju/ ! obligation to pres]ve !  
int]e/s ( all p>ties4  7c7 ,sale or     
=eclosure ,a sale1 =eclosure1 or seizure
 ( prop]ty = a brea* ( an obligation    
describ$ 9 subsection 7a7 by a ,f$]al   
work] %all n be valid if made dur+ a    
cov]$ p]iod except ^u ! ord] ( a c\rt t 
is grant$ be=e t sale1 =eclosure1 or    
seizure1 z applicable1 ) a return made &

 approv$ by ! c\rt4  7d7 ,misdemeanor ,a
 p]son t kn[+ly makes or causes to be   
made a sale1 =eclosure1 or seizure (    
prop]ty t is prohibit$ "u subsection    
7c71 or t kn[+ly attempts to make or    
cause to be made a sale1 =eclosure1 or  
seizure ( prop]ty t is prohibit$ "u t   
subsection1 %all be f9$ z provid$ 9     
title #ah1 ,unit$ ,/ates ,code1 or      
imprison$ = n m ?an #a ye>1 or bo?4  #h4
 ,li5s  7a7 ,li5s  7#a7 ,def9ition ,9   
?is subsection1 ! t]m li5 includes--    
7,a7 a li5--  7i7 = /orage1 repair1 or  
clean+ ( ! prop]ty or effects ( a ,f$]al
 work]2 &  7ii7 on ! prop]ty or effects 
describ$ 9 clause 7i7 = any reason o!r  
?an a reason describ$ 9 t clause2 &     
7,b7 a loan t a ,f$]al work] has obta9$ 
) respect to a motor vehicle4  7#b7     
,limitation on =eclosure or en=cem5t ,a 
p]son hold+ a li5 on ! prop]ty or       
effects ( a ,f$]al work] may n1 dur+ a  
cov]$ p]iod1 =eclose on or en=ce t li5  
)\t ! ord] ( a c\rt t 0 issu$ be=e !    
date on :i* t =eclosure or en=cem5t     

occurs4  7b7 ,/ay ( proce$+s ,9 a       
proce$+ to =eclose on or en=ce a li5 t  
is subject to ?is section1 a c\rt may1  
^u ! motion ( ! c\rt1 & %all1 if reque/$
 by a ,f$]al work]1 ! ability ( :om to  
comply ) ! obligation result+ 9 !       
proce$+ is mat]ially affect$ by a       
%utd[n-- 7#a7 /ay ! proce$+ = a p]iod ( 
"t z ju/ice & equity require2 or  7#b7  
adju/ ! obligation to pres]ve ! int]e/s 
( all p>ties4  7c7 ,misdemeanor ,a p]son
 t kn[+ly takes an action t violates ?is
 section1 or attempts to take an action 
t violates ?is section1 %all be f9$ z   
provid$ 9 title #ah1 ,unit$ ,/ates      
,code1 or imprison$ = n m ?an #a ye>1 or
 bo?4  #i4 ,/ud5t loans  7a7 ,def9ition 
( /ud5t loan ,9 ?is section1 ! t]m /ud5t
 loan means ! foll[+3 7#a7 ,a loan made1
 insur$1 or gu>ante$ "u title ,,iv ( !  
,high] ,education ,act ( #aife 7#bj     
,u4,s4,c4 #ajgj et seq471 includ+ any   
,f$]al ,direct ,/af=d ,loan1 ,f$]al     
,direct ,unsubsidiz$ ,/af=d ,loan1      
,f$]al ,direct ,,plus ,loan1 or ,f$]al  

,direct ,consolidation ,loan4  7#b7 ,a  
private education loan1 z su* t]m is    
def9$ 9 section #adj7;a7 ( ! ,tru? 9    
,l5d+ ,act 7#ae ,u4,s4,c4 #afej7;a774   
7b7 ,application to /ud5t loans ,?is    
section %all apply to any situation 9   
:i*--  7#a7 ! /ud5t loan paym5t ( a     
,f$]al work] falls due or rema9s unpaid 
dur+ a %utd[n2 &  7#b7 dur+ ! %utd[n    
describ$ 9 p>agraph 7#a71 ! ,f$]al work]
 describ$ 9 t p>agraph has be5 furl\gh$ 
or requir$ to "w )\t pay4  7c7 ,def]m5t 
eligibility ,dur+ a cov]$ p]iod1 a      
,f$]al work] %all be eligible = def]m5t1
 dur+ :i*1 ) respect to a /ud5t loan1   
p]iodic in/allm5ts ( pr9cipal ne$ n be  
paid & int]e/ %all n accrue4  7d7       
,limitation on defaults ,if ! /ud5t loan
 paym5t ( a ,f$]al work] falls due &    
rema9s unpaid dur+ a %utd[n1 ! l5d] )   
respect to ! /ud5t loan may n place !   
loan 9 default )\t ! ord] ( a c\rt4  7e7
 ,limitation on collections ,if ! /ud5t 
loan ( a ,f$]al work] has be5 plac$ 9   
default be=e ! date on :i* a %utd[n     

beg9s1 ! l5d] ) respect to ! /ud5t loan 
may n1 )\t ! ord] ( a c\rt1 p]=m any ( !
 foll[+ activities dur+ ! cov]$ p]iod ) 
respect to ! %utd[n3 7#a7 ,s5d ! /ud5t  
loan to collection4  7#b7 ,report adv]se
 in=mation ) respect to ! ,f$]al work]  
to a consum] report+ ag5cy4  7#c7 ,g>ni%
 wages1 tax refunds1 or gov]nm5t        
b5efits4  7f7 ,c\rt /ay ,9 a proce$+ to 
collect a /ud5t loan paym5t t is subject
 to ?is section1 a c\rt may1 ^u ! motion
 ( ! c\rt1 & %all1 if reque/$ by a      
,f$]al work] ^: ability to comply ) !   
obligation result+ 9 ! proce$+ is       
mat]ially affect$ by a %utd[n-- 7#a7 /ay
 ! proce$+ = a p]iod ( "t z ju/ice &    
equity require2 or  7#b7 adju/ !        
obligation to pres]ve ! int]e/s ( all   
p>ties4  7g7 ,misdemeanor ,a p]son t    
kn[+ly violates ?is section1 or attempts
 to violate ?is section1 %all be f9$ z  
provid$ 9 title #ah1 ,unit$ ,/ates      
,code1 or imprison$ = n m ?an #a ye>1 or
 bo?4  #aj4 ,income taxes  7a7 ,def]ral 
( tax ,^u notice to ! ,int]nal ,rev5ue  

,s]vice1 ! collection ( ,f$]al income   
tax on ! income ( a ,f$]al work] fall+  
due dur+ a %utd[n %all be def]r$ = a    
p]iod ( n m ?an #ij days aft] ! date on 
:i* ! %utd[n ends if ! ability ( !      
,f$]al work] to pay ! income tax is     
mat]ially affect$ by ! %utd[n4  7b7     
,accrual ( int]e/ or p5alty ,no int]e/  
or p5alty %all accrue dur+ ! p]iod (    
def]m5t "u subsection 7a7 by reason (   
nonpaym5t on any am\nt ( tax def]r$ "u  
?is section4  7c7 ,/atute ( limitations 
,! runn+ ( a /atute ( limitations aga9/ 
! collection ( tax def]r$ "u ?is        
section1 by seizure or o!rwise1 %all be 
susp5d$ = ! cov]$ p]iod ) respect to !  
%utd[n to :i* ! collection applies4  7d7
 ,application limitation ,?is section   
%all n apply to ! tax impos$ on         
employees "u section #caja ( ! ,int]nal 
,rev5ue ,code ( #aihf4  #aa4 ,insurance 
protection  7a7 ,def9ition ,9 ?is       
section1 ! t]m cov]$ insurance policy   
means a policy-- 7#a7 =--  7,a7 heal?   
insurance2  7,b7 life insurance2  7,c7  

disability insurance2 or  7,d7 motor    
vehicle insurance2 &  7#b7 t-- 7,a7 a   
,f$]al work] ent]s into be=e ! date on  
:i* a %utd[n beg9s2 &  7,b7 is 9 effect 
dur+ a %utd[n4  7b7 ,insurance          
protection ,)\t ! ord] ( a c\rt1 a cov]$
 insurance policy %all n lapse or       
o!rwise t]m9ate or be =feit$ because a  
,f$]al work] does n pay a premium1 or   
int]e/ or indebt$ness on a premium1 "u !
 policy t is due dur+ a cov]$ p]iod )   
respect to a %utd[n4  #ab4 ,protection (
 rights  7a7 ,ex]cise ( rights "u *apt] 
n ,to affect c]ta9 future f9ancial      
transactions ,an application by a ,f$]al
 work] =1 or ! receipt by a ,f$]al work]
 (1 a /ay1 po/ponem5t1 or susp5sion "u  
?is ,act ) respect to ! paym5t ( a f9e1 
p5alty1 insurance premium1 or o!r civil 
obligation or liability ( t ,f$]al work]
 %all n itself 7)\t reg>d to o!r        
consid]ations7 provide ! basis = any ( !
 foll[+3 7#a7 ,a det]m9ation by a l5d]  
or o!r p]son t ! ,f$]al work] is unable 
to pay ! civil obligation or liability1 

z applicable1 9 accordance ) ! t]ms ( ! 
obligation or liability4  7#b7 ,)       
respect to a cr$it transaction betwe5 a 
cr$itor & ! ,f$]al work]-- 7,a7 a d5ial 
or revocation ( cr$it by ! cr$itor2     
7,b7 a *ange by ! cr$itor 9 ! t]ms ( an 
exi/+ cr$it arrangem5t2 or  7,c7 a      
refusal by ! cr$itor to grant cr$it to !
 ,f$]al work] 9 sub/antially ! am\nt or 
on sub/antially ! t]ms reque/$4  7#c7   
,an adv]se report relat+ to !           
cr$itwor?9ess ( ! ,f$]al work] by or to 
a p]son engag$ 9 ! practice ( assembl+  
or evaluat+ consum] cr$it in=mation4    
7#d7 ,a refusal by an insur] to insure !
 ,f$]al work]4  7#e7 ,a *ange 9 ! t]ms  
(f]$ or conditions requir$ = ! issuance 
( insurance4  7b7 ,r$uction or waiv] (  
f9es or p5alties ,if a ,f$]al work]     
fails to p]=m an obligation aris+ "u a  
contract & a p5alty is incurr$ aris+ f t
 nonp]=mance1 a c\rt may r$uce or waive 
! f9e or p5alty if--  7#a7 ! ,f$]al     
work] 0 furl\gh$ or requir$ to "w )\t   
pay dur+ a %utd[n on ! date on :i* ! f9e

 or p5alty 0 incurr$2 &  7#b7 ! ability 
( ! ,f$]al work] to p]=m ! obligation 0 
mat]ially affect$ by ! %utd[n describ$ 9
 p>agraph 7#a74  7c7 ,c\rt action ^u    
mat]ial affect det]m9ation ,if a c\rt   
det]m9es t a ,f$]al work] is mat]ially  
affect$ by a %utd[n 9 comply+ ) a       
judgm5t or an ord] ( a c\rt1 ! c\rt may1
 ^u ! motion ( ! c\rt1 & %all1 on       
application by ! ,f$]al work]-- 7#a7 /ay
 ! execution ( any judgm5t or ord] ent]$
 aga9/ ! ,f$]al work]2 &  7#b7 vacate or
 /ay an atta*m5t or g>ni%m5t ( prop]ty1 
money1 or debts 9 ! possession ( !      
,f$]al work] or a ?ird p>ty1 :e!r be=e  
or aft] ! entry ( a judgm5t4  7d7       
,dep5d5ts ,^u application to a c\rt1 a  
dep5d5t ( a ,f$]al work] is entitl$ to !
 protections "u ?is ,act if ! ability ( 
! dep5d5t to comply ) a lease1 contract1
 bailm5t1 or o!r obligation is mat]ially
 affect$ by reason ( ! impact ( a %utd[n
 on ! ,f$]al work]4  #ac4 ,en=cem5t  7a7
 ,civil action ,! ,attorney ,g5]al may  
comm5ce a civil action 9 any appropriate

 di/rict c\rt ( ! ,unit$ ,/ates aga9/   
any p]son t engages 9-- 7#a7 a patt]n or
 practice ( violat+ ?is ,act2 or  7#b7 a
 violation ( ?is ,act t raises an issue 
( significant public importance4  7b7   
,relief ,9 a civil action comm5c$ "u    
subsection 7a71 a c\rt may--  7#a7 grant
 any appropriate equitable or decl>atory
 relief ) respect to ! violation ( ?is  
,act2  7#b7 aw>d all o!r appropriate    
relief1 includ+ monet>y damages1 to any 
p]son aggriev$ by ! violation describ$ 9
 p>agraph 7#a72 &  7#c7 to v9dicate !   
public int]e/1 assess a civil p5alty--  
7,a7 9 an am\nt t is n m ?an #ee1jjj = a
 fir/ violation2 &  7,b7 9 an am\nt t is
 n m ?an #aaj1jjj = any subsequ5t       
violation4  7c7 ,int]v5tion ,^u timely  
application1 a p]son t is aggriev$ by a 
violation ( ?is ,act ) respect to :i* a 
civil action is comm5c$ "u subsection   
7a7 may--  7#a7 int]v5e 9 ! action2 &   
7#b7 obta9 su* appropriate relief z !   
p]son c\ld obta9 9 a civil action "u    
subsection 7d7 ) respect to t violation1

 along ) co/s & a reasonable attorney   
fee4  7d7 ,private "r ( action ,any     
p]son t1 aft] ! date ( enactm5t ( ?is   
,act1 is aggriev$ by a violation ( ?is  
,act may1 9 a civil action-- 7#a7 obta9 
any appropriate equitable or decl>atory 
relief ) respect to ! violation2 &  7#b7
 recov] all o!r appropriate relief1     
includ+ monet>y damages4  7e7 ,co/s &   
attorney fees ,a c\rt may aw>d to a     
p]son aggriev$ by a violation ( ?is ,act
 t prevails 9 an action br\ght "u       
subsection 7d7 ! co/s ( ! action1       
includ+ a reasonable attorney fee4  7f7 
,no preemption ,no?+ 9 ?is section may  
be con/ru$ to preclude or limit any     
rem$y o!rwise available "u o!r law1     
includ+ consequ5tial & punitive damages4