[Congressional Record Volume 166, Number 119 (Monday, June 29, 2020)]
[House]
[Pages H2644-H2663]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]




          EMERGENCY HOUSING PROTECTIONS AND RELIEF ACT OF 2020

  Ms. WATERS. Mr. Speaker, pursuant to House Resolution 1017, I call up 
the bill (H.R. 7301) to prevent evictions, foreclosures, and unsafe 
housing conditions resulting from the COVID-19 pandemic, and for other 
purposes, and ask for its immediate consideration in the House.
  The Clerk read the title of the bill.
  The SPEAKER pro tempore (Mr. Cuellar). Pursuant to House Resolution 
1017, the bill is considered read.
  The text of the bill is as follows:

                               H.R. 7301

       Be it enacted by the Senate and House of Representatives of 
     the United States of America in Congress assembled,

     SECTION 1. SHORT TITLE; TABLE OF CONTENTS.

       (a) Short Title.--This Act may be cited as the ``Emergency 
     Housing Protections and Relief Act of 2020''.
       (b) Table of Contents.--The table of contents for this Act 
     is as follows:

Sec. 1. Short title; table of contents.

     TITLE I--PROTECTING RENTERS AND HOMEOWNERS FROM EVICTIONS AND 
                              FORECLOSURES

Sec. 101. Emergency rental assistance.
Sec. 102. Homeowner Assistance Fund.
Sec. 103. Protecting renters and homeowners from evictions and 
              foreclosures.
Sec. 104. Liquidity for mortgage servicers and residential rental 
              property owners.
Sec. 105. Rural rental assistance.
Sec. 106. Funding for public housing and tenant-based rental 
              assistance.
Sec. 107. Supplemental funding for supportive housing for the elderly, 
              supportive housing for persons with disabilities, 
              supportive housing for persons with AIDS, and project-
              based section 8 rental assistance.
Sec. 108. Fair Housing.
Sec. 109. Funding for housing counseling services.

         TITLE II--PROTECTING PEOPLE EXPERIENCING HOMELESSNESS

Sec. 201. Homeless assistance funding.
Sec. 202. Emergency rental assistance voucher program.

     TITLE I--PROTECTING RENTERS AND HOMEOWNERS FROM EVICTIONS AND 
                              FORECLOSURES

     SEC. 101. EMERGENCY RENTAL ASSISTANCE.

       (a) Authorization of Appropriations.--There is authorized 
     to be appropriated to the Secretary of Housing and Urban 
     Development (referred to in this section as the 
     ``Secretary'') $100,000,000,000 for an additional amount for 
     grants under the Emergency Solutions Grants program under 
     subtitle B of title IV of the McKinney-Vento Homeless 
     Assistance Act (42 U.S.C. 11371 et seq.), to remain available 
     until expended (subject to subsections (d) and (n) of this 
     section), to be used for providing short- or medium-term 
     assistance with rent and rent-related costs (including 
     tenant-paid utility costs, utility- and rent-arrears, fees 
     charged for those arrears, and security and utility deposits) 
     in accordance with paragraphs (4) and (5) of section 415(a) 
     of such Act (42 U.S.C. 11374(a)) and this section.
       (b) Definition of at Risk of Homelessness.--Notwithstanding 
     section 401(1) of the McKinney-Vento Homeless Assistance Act 
     (42 U.S.C. 11360(1)), for purposes of assistance made 
     available with amounts made available pursuant to subsection 
     (a), the term ``at risk of homelessness'' means, with respect 
     to an individual or family, that the individual or family--
       (1) has an income below 80 percent of the median income for 
     the area as determined by the Secretary; and
       (2) has an inability to attain or maintain housing 
     stability or has insufficient resources to pay for rent or 
     utilities due to financial hardships.
       (c) Income Targeting and Calculation.--For purposes of 
     assistance made available with amounts made available 
     pursuant to subsection (a)--
       (1) each recipient of such amounts shall use--
       (A) not less than 40 percent of the amounts received only 
     for providing assistance for individuals or families 
     experiencing homelessness, or for persons or families at risk 
     of homelessness who have incomes not exceeding 30 percent of 
     the median income for the area as determined by the 
     Secretary;
       (B) not less than 70 percent of the amounts received only 
     for providing assistance for individuals or families 
     experiencing homelessness, or for persons or families at risk 
     of homelessness who have incomes not exceeding 50 percent of 
     the median income for the area as determined by the 
     Secretary; and
       (C) the remainder of the amounts received only for 
     providing assistance to individuals or families experiencing 
     homelessness, or for persons or families at risk of 
     homelessness who have incomes not exceeding 80 percent of the 
     median income for the area as determined by the Secretary, 
     but such recipient may establish a higher percentage limit 
     for purposes of subsection (b)(1), which shall not in any 
     case exceed 120 percent of the area median income, if the 
     recipient states that it will serve such population in its 
     plan; and
       (2) in determining the income of a household for 
     homelessness prevention assistance--
       (A) the calculation of income performed at the time of 
     application for such assistance, including arrearages, shall 
     consider only income that the household is currently 
     receiving at such time and any income recently terminated 
     shall not be included;
       (B) any calculation of income performed with respect to 
     households receiving ongoing assistance (such as medium-term 
     rental assistance) 3 months after initial receipt of 
     assistance shall consider only the income that the household 
     is receiving at the time of such review; and
       (C) the calculation of income performed with respect to 
     households receiving assistance for arrearages shall consider 
     only the income that the household was receiving at the time 
     such arrearages were incurred.
       (d) 3-Year Availability.--
       (1) In general.--Each recipient of amounts made available 
     pursuant to subsection (a) shall--
       (A) expend not less than 60 percent of such grant amounts 
     within 2 years of the date that such funds became available 
     to the recipient for obligation; and
       (B) expend 100 percent of such grant amounts within 3 years 
     of such date.
       (2) Reallocation after 2 years.--The Secretary may 
     recapture any amounts not expended in compliance with 
     paragraph (1)(A) and reallocate such amounts to recipients in 
     compliance with the formula referred to in subsection 
     (h)(1)(A).
       (e) Rent Restrictions.--
       (1) Inapplicability.--Section 576.106(d) of title 24, Code 
     of Federal Regulations, shall not apply with respect to 
     homelessness prevention assistance made available with 
     amounts made available under subsection (a).
       (2) Amount of rental assistance.--In providing homelessness 
     prevention assistance with amounts made available under 
     subsection (a), the maximum amount of rental assistance that 
     may be provided shall be the greater of--
       (A) 120 percent of the higher of--
       (i) the Fair Market Rent established by the Secretary for 
     the metropolitan area or county; or
       (ii) the applicable Small Area Fair Market Rent established 
     by the Secretary; or
       (B) such higher amount as the Secretary shall determine is 
     needed to cover market rents in the area.
       (f) Subleases.--A recipient shall not be prohibited from 
     providing assistance authorized under subsection (a) with 
     respect to subleases that are valid under State law.
       (g) Housing Relocation or Stabilization Activities.--A 
     recipient of amounts made available pursuant to subsection 
     (a) may expend up to 25 percent of its allocation for 
     activities under section 415(a)(5) of the McKinney-Vento 
     Homeless Assistance Act (42 U.S.C. 11374(a)(5)), except that 
     notwithstanding such section, activities authorized under 
     this subsection may be provided only for individuals or 
     families who have incomes not exceeding 50 percent of the 
     area median income and meet the criteria in subsection (b)(2) 
     of this section or section 103 of the McKinney-Vento Homeless 
     Assistance Act (42 U.S.C. 11302). This subsection shall not 
     apply to rent-related costs that are specifically authorized 
     under subsection (a) of this section.
       (h) Allocation of Assistance.--
       (1) In general.--In allocating amounts made available 
     pursuant to subsection (a), the Secretary shall--
       (A)(i) for any purpose authorized in this section--
       (I) allocate 2 percent of such amount for Indian tribes and 
     tribally designated housing entities (as such terms are 
     defined in section 4 of the Native American Housing 
     Assistance and Self-Determination Act of 1996 (25 U.S.C. 
     4103)) under the formula established pursuant to section 302 
     of such Act (25 U.S.C. 4152), except that 0.3 percent of the 
     amount allocated under this clause shall be allocated for the 
     Department of Hawaiian Home Lands; and
       (II) allocate 0.3 percent of such amount for the Virgin 
     Islands, Guam, American Samoa, and the Northern Mariana 
     Islands;
       (ii) not later than 30 days after the date of enactment of 
     this Act, obligate and disburse the amounts allocated 
     pursuant to clause (i) in accordance with such allocations 
     and provide such recipient with any necessary guidance for 
     use of the funds; and
       (B)(i) not later than 7 days after the date of enactment of 
     this Act and after setting aside amounts under subparagraph 
     (A), allocate 50 percent of any such remaining amounts under 
     the formula specified in subsections (a), (b), and (e) of 
     section 414 of the McKinney-Vento Homeless Assistance Act (42 
     U.S.C. 11373) for, and notify, each State, metropolitan city, 
     and urban county that is to receive a direct grant of such 
     amounts; and
       (ii) not later than 30 days after the date of enactment of 
     this Act, obligate and disburse the amounts allocated 
     pursuant to clause (i)

[[Page H2645]]

     in accordance with such allocations and provide such 
     recipient with any necessary guidance for use of the funds; 
     and
       (C)(i) not later than 45 days after the date of enactment 
     of this Act, allocate any remaining amounts for eligible 
     recipients according to a formula to be developed by the 
     Secretary that takes into consideration the formula referred 
     to in subparagraph (A) and the need for emergency rental 
     assistance under this section, including the severe housing 
     cost burden among extremely low- and very low-income renters 
     and disruptions in housing and economic conditions, including 
     unemployment; and
       (ii) not later than 30 days after the date of the 
     allocation of such amounts pursuant to clause (i), obligate 
     and disburse such amounts in accordance with such 
     allocations.
       (2) Allocations to states.--
       (A) In general.--Notwithstanding subsection (a) of section 
     414 of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 
     11373(a)) and section 576.202(a) of title 24, Code of Federal 
     Regulations, a State recipient of an allocation under this 
     section may elect to use up to 100 percent of its allocation 
     to carry out activities eligible under this section directly.
       (B) Requirement.--Any State recipient making an election 
     described in subparagraph (A) shall serve households 
     throughout the entire State, including households in rural 
     communities and small towns.
       (3) Election not to administer.--If a recipient other than 
     a State elects not to receive funds under this section, such 
     funds shall be allocated to the State recipient in which the 
     recipient is located.
       (4) Partnerships, subgrants, and contracts.--A recipient of 
     a grant under this section may distribute funds through 
     partnerships, subgrants, or contracts with an entity, such as 
     a public housing agency (as such term is defined in section 
     3(b) of the United States Housing Act of 1937 (42 U.S.C. 
     1437a(b))), that is capable of carrying activities under this 
     section.
       (5) Revision to rule.--The Secretary shall revise section 
     576.3 of tile 24, Code of Federal Regulations, to change the 
     set aside for allocation to the territories to exactly 0.3 
     percent.
       (i) Inapplicability of Matching Requirement.--Subsection 
     (a) of section 416 of the McKinney-Vento Homeless Assistance 
     Act (42 U.S.C. 11375(a)) shall not apply to any amounts made 
     available pursuant to subsection (a) of this section.
       (j) Reimbursement of Eligible Activities.--Amounts made 
     available pursuant to subsection (a) may be used by a 
     recipient to reimburse expenditures incurred for eligible 
     activities under this section after March 27, 2020.
       (k) Prohibition on Prerequisites.--None of the funds made 
     available pursuant to this section may be used to require any 
     individual receiving assistance under the program under this 
     section to receive treatment or perform any other 
     prerequisite activities as a condition for receiving shelter, 
     housing, or other services.
       (l) Waivers and Alternative Requirements.--
       (1) In general.--
       (A) Authority.--In administering the amounts made available 
     pursuant to subsection (a), the Secretary may waive, or 
     specify alternative requirements for, any provision of any 
     statute or regulation that the Secretary administers in 
     connection with the obligation by the Secretary or the use by 
     the recipient of such amounts (except for requirements 
     related to fair housing, nondiscrimination, labor standards, 
     prohibition on prerequisites, minimum data reporting, and the 
     environment), if the Secretary finds that good cause exists 
     for the waiver or alternative requirement and such waiver or 
     alternative requirement is necessary to expedite the use of 
     funds made available pursuant to this section, to respond to 
     public health orders or conditions related to the COVID-19 
     emergency, or to ensure that eligible individuals can attain 
     or maintain housing stability.
       (B) Public notice.--The Secretary shall notify the public 
     through the Federal Register or other appropriate means of 
     any waiver or alternative requirement under this paragraph, 
     and that such public notice shall be provided, at a minimum, 
     on the internet at the appropriate Government website or 
     through other electronic media, as determined by the 
     Secretary.
       (C) Eligibility requirements.--Eligibility for rental 
     assistance or housing relocation and stabilization services 
     shall not be restricted based upon the prior receipt of 
     assistance under the program during the preceding three 
     years.
       (2) Public hearings.--
       (A) Inapplicability of in-person hearing requirements 
     during the covid-19 emergency.--
       (i) In general.--A recipient under this section shall not 
     be required to hold in-person public hearings in connection 
     with its citizen participation plan, but shall provide 
     citizens with notice, including publication of its plan for 
     carrying out this section on the internet, and a reasonable 
     opportunity to comment of not less than 5 days.
       (ii) Resumption of in-person hearing requirements.--After 
     the period beginning on the date of enactment of this Act and 
     ending on the date of the termination by the Federal 
     Emergency Management Agency of the emergency declared on 
     March 13, 2020, by the President under the Robert T. Stafford 
     Disaster Relief and Emergency Assistance Act (42 U.S.C. 4121 
     et seq.) relating to the Coronavirus Disease 2019 (COVID-19) 
     pandemic, and after the period described in subparagraph (B), 
     the Secretary shall direct recipients under this section to 
     resume pre-crisis public hearing requirements.
       (B) Virtual public hearings.--
       (i) In general.--During the period that national or local 
     health authorities recommend social distancing and limiting 
     public gatherings for public health reasons, a recipient may 
     fulfill applicable public hearing requirements for all grants 
     from funds made available pursuant to this section by 
     carrying out virtual public hearings.
       (ii) Requirements.--Any virtual hearings held under clause 
     (i) by a recipient under this section shall provide 
     reasonable notification and access for citizens in accordance 
     with the recipient's certifications, timely responses from 
     local officials to all citizen questions and issues, and 
     public access to all questions and responses.
       (m) Consultation.--In addition to any other citizen 
     participation and consultation requirements, in developing 
     and implementing a plan to carry out this section, each 
     recipient of funds made available pursuant to this section 
     shall consult with the applicable Continuum or Continuums of 
     Care for the area served by the recipient and organizations 
     representing underserved communities and populations and 
     organizations with expertise in affordable housing, fair 
     housing, and services for people with disabilities.
       (n) Administration.--
       (1) By secretary.--Of any amounts made available pursuant 
     to subsection (a)--
       (A) not more than the lesser of 0.5 percent, or 
     $15,000,000, may be used by the Secretary for staffing, 
     training, technical assistance, technology, monitoring, 
     research, and evaluation activities necessary to carry out 
     the program carried out under this section, and such amounts 
     shall remain available until September 30, 2024; and
       (B) not more than $2,000,000 shall be available to the 
     Office of the Inspector General for audits and investigations 
     of the program authorized under this section.
       (2) By recipients.--Notwithstanding section 576.108 of 
     title 24 of the Code of Federal Regulations, with respect to 
     amounts made available pursuant to this section, a recipient 
     may use up to 10 percent of the recipient's grant for payment 
     of administrative costs related to the planning and execution 
     of activities.

     SEC. 102. HOMEOWNER ASSISTANCE FUND.

       (a) Definitions.--In this section:
       (1) Fund.--The term ``Fund'' means the Homeowner Assistance 
     Fund established under subsection (b).
       (2) Secretary.--The term ``Secretary'' means the Secretary 
     of the Treasury.
       (3) State.--The term ``State'' means any State of the 
     United States, the District of Columbia, any territory of the 
     United States, Puerto Rico, Guam, American Samoa, the Virgin 
     Islands, and the Northern Mariana Islands.
       (b) Establishment of Fund.--There is established at the 
     Department of the Treasury a Homeowner Assistance Fund to 
     provide such funds as are made available under subsection (g) 
     to State housing finance agencies for the purpose of 
     preventing homeowner mortgage defaults, foreclosures, and 
     displacements of individuals and families experiencing 
     financial hardship after January 21, 2020.
       (c) Allocation of Funds.--
       (1) Administration.--Of any amounts made available for the 
     Fund, the Secretary of the Treasury may allocate, in the 
     aggregate, an amount not exceeding 5 percent--
       (A) to the Office of Financial Stability established under 
     section 101(a) of the Emergency Economic Stabilization Act of 
     2008 (12 U.S.C. 5211(a)) to administer and oversee the Fund, 
     and to provide technical assistance to States for the 
     creation and implementation of State programs to administer 
     assistance from the Fund; and
       (B) to the Inspector General of the Department of the 
     Treasury for oversight of the program under this section.
       (2) For states.--The Secretary shall establish such 
     criteria as are necessary to allocate the funds available 
     within the Fund for each State. The Secretary shall allocate 
     such funds among all States taking into consideration the 
     number of unemployment claims within a State relative to the 
     nationwide number of unemployment claims.
       (3) Small state minimum.--The amount allocated for each 
     State shall not be less than $250,000,000.
       (4) Set-aside for insular areas.--Notwithstanding any other 
     provision of this section, of any amounts authorized to be 
     appropriated pursuant to subsection (g), the Secretary shall 
     reserve $200,000,000 to be disbursed to Guam, American Samoa, 
     the Virgin Islands, and the Northern Mariana Islands based on 
     each such territory's share of the combined total population 
     of all such territories, as determined by the Secretary. For 
     the purposes of this paragraph, population shall be 
     determined based on the most recent year for which data are 
     available from the United States Census Bureau.
       (5) Set-aside for indian tribes and native hawaiians.----
       (A) Indian tribes.--Notwithstanding any other provision of 
     this section, of any amounts authorized to be appropriated 
     pursuant to subsection (g), the Secretary shall use 5 percent 
     to make grants in accordance

[[Page H2646]]

     with subsection (f) to eligible recipients for the purposes 
     described in subsection (e)(1).
       (B) Native hawaiians.-- Of the funds set aside under 
     subparagraph (A), the Secretary shall use 0.3 percent to make 
     grants to the Department of Hawaiian Home Lands in accordance 
     with subsection (f) for the purposes described in subsection 
     (e)(1).
       (d) Disbursement of Funds.--
       (1) Administration.--Except for amounts made available for 
     assistance under subsection (f), State housing finance 
     agencies shall be primarily responsible for administering 
     amounts disbursed from the Fund, but may delegate 
     responsibilities and sub-allocate amounts to community 
     development financial institutions and State agencies that 
     administer Low-Income Home Energy Assistance Program of the 
     Department of Health and Human Services.
       (2) Notice of funding.--The Secretary shall provide public 
     notice of the amounts that will be made available to each 
     State and the method used for determining such amounts not 
     later than the expiration of the 14-day period beginning on 
     the date of the enactment of this Act of enactment.
       (3) SHFA plans.--
       (A) Eligibility.--To be eligible to receive funding 
     allocated for a State under the section, a State housing 
     finance agency for the State shall submit to the Secretary a 
     plan for the implementation of State programs to administer, 
     in part or in full, the amount of funding the state is 
     eligible to receive, which shall provide for the commencement 
     of receipt of applications by homeowners for assistance, and 
     funding of such applications, not later than the expiration 
     of the 6-month period beginning upon the approval under this 
     paragraph of such plan.
       (B) Multiple plans.--. A State housing finance agency may 
     submit multiple plans, each covering a separate portion of 
     funding for which the State is eligible.
       (C) Timing.--The Secretary shall approve or disapprove a 
     plan within 30 days after the plan's submission and, if 
     disapproved, explain why the plan could not be approved.
       (D) Disbursement upon approval.--The Secretary shall 
     disburse to a State housing finance agency the appropriate 
     amount of funding upon approval of the agency's plan.
       (E) Amendments.--A State housing finance agency may 
     subsequently amend a plan that has previously been approved, 
     provided that any plan amendment shall be subject to the 
     approval of the Secretary. The Secretary shall approve any 
     plan amendment or disapprove such amendment explain why the 
     plan amendment could not be approved within 45 days after 
     submission to the Secretary of such amendment.
       (F) Technical assistance.--The Secretary shall provide 
     technical assistance for any State housing finance agency 
     that twice fails to have a submitted plan approved.
       (4) Plan templates.--The Secretary shall, not later than 30 
     days after the date of the enactment of this Act, publish 
     templates that States may utilize in drafting the plans 
     required under paragraph (3)(A). The template plans shall 
     include standard program terms and requirements, as well as 
     any required legal language, which State housing finance 
     agencies may modify with the consent of the Secretary.
       (e) Permissible Uses of Fund.--
       (1) In general.--Funds made available to State housing 
     finance agencies pursuant to this section may be used for the 
     purposes established under subsection (b), which may 
     include--
       (A) mortgage payment assistance, including financial 
     assistance to allow a borrower to reinstate their mortgage or 
     to achieve a more affordable mortgage payment, which may 
     include principal reduction or rate reduction, provided that 
     any mortgage payment assistance is tailored to a borrower's 
     needs and their ability to repay, and takes into 
     consideration the loss mitigation options available to the 
     borrower;
       (B) assistance with payment of taxes, hazard insurance, 
     flood insurance, mortgage insurance, or homeowners' 
     association fees;
       (C) utility payment assistance, including electric, gas, 
     water, and internet service, including broadband internet 
     access service (as such term is defined in section 8.1(b) of 
     title 47, Code of Federal Regulations (or any successor 
     regulation));
       (D) reimbursement of funds expended by a State or local 
     government during the period beginning on January 21, 2020, 
     and ending on the date that the first funds are disbursed by 
     the State under the Fund, for the purpose of providing 
     housing or utility assistance to individuals or otherwise 
     providing funds to prevent foreclosure or eviction of a 
     homeowner or prevent mortgage delinquency or loss of housing 
     or critical utilities as a response to the coronavirus 
     disease 2019 (COVID-19) pandemic; and
       (E) any other assistance for homeowners to prevent 
     eviction, mortgage delinquency or default, foreclosure, or 
     the loss of essential utility services.
       (2) Targeting.--
       (A) Requirement.--Not less than 60 percent of amounts made 
     available for each State or other entity allocated amounts 
     under subsection (c) shall be used for activities under 
     paragraph (1) that assist homeowners having incomes equal to 
     or less than 80 percent of the area median income.
       (B) Determination of income.-- In determining the income of 
     a household for purposes of this paragraph, income shall be 
     considered to include only income that the household is 
     receiving at the time of application for assistance from the 
     Fund and any income recently terminated shall not be 
     included, except that for purposes of households receiving 
     assistance for arrearages income shall include only the 
     income that the household was receiving at the time such 
     arrearages were incurred.
       (C) Language assistance.--Each State housing finance agency 
     or other entity allocated amounts under subsection (c) shall 
     make available to each applicant for assistance from amounts 
     from the Fund language assistance in any language that such 
     language assistance is available in and shall provide notice 
     to each such applicant that such language assistance is 
     available.
       (3) Administrative expenses.--Not more than 15 percent of 
     the amount allocated to a State pursuant to subsection (c) 
     may be used by a State housing financing agency for 
     administrative expenses. Any amounts allocated to 
     administrative expenses that are no longer necessary for 
     administrative expenses may be used in accordance with 
     paragraph (1).
       (f) Tribal and Native Hawaiian Assistance.--
       (1) Definitions.--In this subsection:
       (A) Department of hawaiian home lands.--The term 
     ``Department of Hawaiian Home Lands'' has the meaning given 
     the term in section 801 of the Native American Housing 
     Assistance and Self-Determination Act of 1996 (42 U.S.C. 
     4221).
       (B) Eligible recipient.--The term ``eligible recipient'' 
     means any entity eligible to receive a grant under section 
     101 of the Native American Housing Assistance and Self-
     Determination Act of 1996 (25 U.S.C. 4111).
       (2) Requirements.--
       (A) Allocation.--Except for the funds set aside under 
     subsection (c)(5)(B), the Secretary shall allocate the funds 
     set aside under subsection (c)(5)(A) using the allocation 
     formula described in subpart D of part 1000 of title 24, Code 
     of Federal Regulations (or any successor regulations).
       (B) Native hawaiians.--The Secretary shall use the funds 
     made available under subsection (c)(5)(B) in accordance with 
     part 1006 of title 24, Code of Federal Regulations (or 
     successor regulations).
       (3) Transfer.--The Secretary shall transfer any funds made 
     available under subsection (c)(5) that have not been 
     allocated by an eligible recipient or the Department of 
     Hawaiian Home Lands, as applicable, to provide the assistance 
     described in subsection (e)(1) by December 31, 2030, to the 
     Secretary of Housing and Urban Development to carry out the 
     Native American Housing Assistance and Self-Determination Act 
     of 1996 (25 U.S.C. 4101 et seq.).
       (g) Funding.--There is authorized to be appropriated to the 
     Homeowner Assistance Fund established under subsection (b) 
     $75,000,000,000, to remain available until expended or 
     transferred or credited under subsection (i).
       (h) Use of Housing Finance Agency Innovation Fund for the 
     Hardest Hit Housing Markets Funds.--A State housing finance 
     agency may reallocate any administrative or programmatic 
     funds it has received as an allocation from the Housing 
     Finance Agency Innovation Fund for the Hardest Hit Housing 
     Markets created pursuant to section 101(a) of the Emergency 
     Economic Stabilization Act of 2008 (12 U.S.C. 5211(a)) that 
     have not been otherwise allocated or disbursed as of the date 
     of enactment of this Act to supplement any administrative or 
     programmatic funds received from the Housing Assistance Fund. 
     Such reallocated funds shall not be considered when 
     allocating resources from the Housing Assistance Fund using 
     the process established under subsection (c) and shall remain 
     available for the uses permitted and under the terms and 
     conditions established by the contract with Secretary created 
     pursuant to subsection (d)(1) and the terms of subsection 
     (i).
       (i) Reporting Requirements.--The Secretary shall provide 
     public reports not less frequently than quarterly regarding 
     the use of funds provided by the Homeowner Assistance Fund. 
     Such reports shall include the following data by State and by 
     program within each State, both for the past quarter and 
     throughout the life of the program--
       (1) the amount of funds allocated;
       (2) the amount of funds disbursed;
       (3) the number of households and individuals assisted;
       (4) the acceptance rate of applicants;
       (5) the type or types of assistance provided to each 
     household;
       (6) whether the household assisted had a federally backed 
     loan and identification of the Federal entity backing such 
     loan;
       (7) the average amount of funding provided per household 
     receiving assistance and per type of assistance provided;
       (8) the average number of monthly payments that were 
     covered by the funding amount that a household received, as 
     applicable, disaggregated by type of assistance provided;
       (9) the income level of each household receiving 
     assistance; and
       (10) the outcome 12 months after the household has received 
     assistance.
     Each report under this subsection shall disaggregate the 
     information provided under paragraphs (3) through (10) by 
     State, zip code, racial and ethnic composition of the 
     household, and whether or not the person from the household 
     applying for assistance speaks English as a second language.

     SEC. 103. PROTECTING RENTERS AND HOMEOWNERS FROM EVICTIONS 
                   AND FORECLOSURES.

       (a) Eviction Moratorium.--The CARES Act is amended by 
     striking section 4024 (15

[[Page H2647]]

     U.S.C. 9058; Public Law 116-136; 134 Stat. 492) and inserting 
     the following new section:

     ``SEC. 4024. TEMPORARY MORATORIUM ON EVICTION FILINGS.

       ``(a) Congressional Findings.--The Congress finds that--
       ``(1) according to the 2018 American Community Survey, 36 
     percent of households in the United States--more than 43 
     million households--are renters;
       ``(2) in 2019 alone, renters in the United States paid $512 
     billion in rent;
       ``(3) according to the Joint Center for Housing Studies of 
     Harvard University, 20.8 million renters in the United States 
     spent more than 30 percent of their incomes on housing in 
     2018 and 10.9 million renters spent more than 50 percent of 
     their incomes on housing in the same year;
       ``(4) according to data from the Department of Labor, more 
     than 30 million people have filed for unemployment since the 
     COVID-19 pandemic began;
       ``(5) the impacts of the spread of COVID-19, which is now 
     considered a global pandemic, are expected to negatively 
     impact the incomes of potentially millions of renter 
     households, making it difficult for them to pay their rent on 
     time; and
       ``(6) evictions in the current environment would increase 
     homelessness and housing instability which would be 
     counterproductive towards the public health goals of keeping 
     individuals in their homes to the greatest extent possible.
       ``(b) Moratorium.--During the period beginning on the date 
     of the enactment of this Act and ending 12 months after such 
     date of enactment, the lessor of a covered dwelling located 
     in such State may not make, or cause to be made, any filing 
     with the court of jurisdiction to initiate a legal action to 
     recover possession of the covered dwelling from the tenant 
     for nonpayment of rent or other fees or charges.
       ``(c) Definitions.--For purposes of this section, the 
     following definitions shall apply:
       ``(1) Covered dwelling.--The term `covered dwelling' means 
     a dwelling that is occupied by a tenant--
       ``(A) pursuant to a residential lease; or
       ``(B) without a lease or with a lease terminable at will 
     under State law.
       ``(2) Dwelling.--The term `dwelling' has the meaning given 
     such term in section 802 of the Fair Housing Act (42 U.S.C. 
     3602) and includes houses and dwellings described in section 
     803(b) of such Act (42 U.S.C. 3603(b)).
       ``(d) Notice To Vacate After Moratorium Expiration Date.--
     After the expiration of the period described in subsection 
     (b), the lessor of a covered dwelling may not require the 
     tenant to vacate the covered dwelling by reason of nonpayment 
     of rent or other fees or charges before the expiration of the 
     30-day period that begins upon the provision by the lessor to 
     the tenant, after the expiration of the period described in 
     subsection (b), of a notice to vacate the covered 
     dwelling.''.
       (b) Mortgage Relief.--
       (1) Forbearance and foreclosure moratorium for covered 
     mortgage loans.--Section 4022 of the CARES Act (15 U.S.C. 
     9056) is amended--
       (A) by striking ``Federally backed mortgage loan'' each 
     place such term appears and inserting ``covered mortgage 
     loan''; and
       (B) in subsection (a)--
       (i) by amending paragraph (2) to read as follows:
       ``(2) Covered mortgage loan.--The term `covered mortgage 
     loan' means any credit transaction that is secured by a 
     mortgage, deed of trust, or other equivalent consensual 
     security interest on a 1- to 4-unit dwelling or on 
     residential real property that includes a 1- to 4-unit 
     dwelling, except that it shall not include a credit 
     transaction under an open end credit plan other than a 
     reverse mortgage.''; and
       (ii) by adding at the end the following:
       ``(3) Covered period.--With respect to a loan, the term 
     `covered period' means the period beginning on the date of 
     enactment of this Act and ending 12 months after such date of 
     enactment.''.
       (2) Automatic forbearance for delinquent borrowers.--
     Section 4022(c) of the CARES Act (15 U.S.C. 9056(c)), as 
     amended by paragraph (5) of this subsection, is further 
     amended by adding at the end the following:
       ``(9) Automatic forbearance for delinquent borrowers.--
       ``(A) In general.--Notwithstanding any other law governing 
     forbearance relief--
       ``(i) any borrower whose covered mortgage loan became 60 
     days delinquent between March 13, 2020, and the date of 
     enactment of this paragraph, and who has not already received 
     a forbearance under subsection (b), shall automatically be 
     granted a 60-day forbearance that begins on the date of 
     enactment of this paragraph, provided that a borrower shall 
     not be considered delinquent for purposes of this paragraph 
     while making timely payments or otherwise performing under a 
     trial modification or other loss mitigation agreement; and
       ``(ii) any borrower whose covered mortgage loan becomes 60 
     days delinquent between the date of enactment of this 
     paragraph and the end of the covered period, and who has not 
     already received a forbearance under subsection (b), shall 
     automatically be granted a 60-day forbearance that begins on 
     the 60th day of delinquency, provided that a borrower shall 
     not be considered delinquent for purposes of this paragraph 
     while making timely payments or otherwise performing under a 
     trial modification or other loss mitigation agreement.
       ``(B) Initial extension.--An automatic forbearance provided 
     under subparagraph (A) shall be extended for up to an 
     additional 120 days upon the borrower's request, oral or 
     written, submitted to the borrower's servicer affirming that 
     the borrower is experiencing a financial hardship that 
     prevents the borrower from making timely payments on the 
     covered mortgage loan due, directly or indirectly, to the 
     COVID-19 emergency.
       ``(C) Subsequent extension.--A forbearance extended under 
     subparagraph (B) shall be extended for up to an additional 
     180 days, up to a maximum of 360 days (including the period 
     of automatic forbearance), upon the borrower's request, oral 
     or written, submitted to the borrower's servicer affirming 
     that the borrower is experiencing a financial hardship that 
     prevents the borrower from making timely payments on the 
     covered mortgage loan due, directly or indirectly, to the 
     COVID-19 emergency.
       ``(D) Right to elect to continue making payments.--With 
     respect to a forbearance provided under this paragraph, the 
     borrower of such loan may elect to continue making regular 
     payments on the loan. A borrower who makes such election 
     shall be offered a loss mitigation option pursuant to 
     subsection (d) within 30 days of resuming regular payments to 
     address any payment deficiency during the forbearance.
       ``(E) Right to shorten forbearance.--At a borrower's 
     request, any period of forbearance provided under this 
     paragraph may be shortened. A borrower who makes such a 
     request shall be offered a loss mitigation option pursuant to 
     subsection (d) within 30 days of resuming regular payments to 
     address any payment deficiency during the forbearance.
       ``(10) Automatic forbearance for certain reverse mortgage 
     loans.--
       ``(A) In general.--When any covered mortgage loan which is 
     also a federally-insured reverse mortgage loan, during the 
     covered period, is due and payable due to the death of the 
     last borrower or end of a deferral period or eligible to be 
     called due and payable due to a property charge default, or 
     if the borrower defaults on a property charge repayment plan, 
     or if the borrower defaults for failure to complete property 
     repairs, or if an obligation of the borrower under the 
     Security Instrument is not performed, the mortgagee 
     automatically shall be granted a six-month extension of--
       ``(i) the mortgagee's deadline to request due and payable 
     status from the Department of Housing and Urban Development;
       ``(ii) the mortgage's deadline to send notification to the 
     mortgagor or his or her heirs that the loan is due and 
     payable;
       ``(iii) the deadline to initiate foreclosure;
       ``(iv) any reasonable diligence period related to 
     foreclosure or the Mortgagee Optional Election;
       ``(v) if applicable, the deadline to obtain the due and 
     payable appraisal; and
       ``(vi) any claim submission deadline, including the 6-month 
     acquired property marketing period.
       ``(B) Forbearance period.--The mortgagee shall not request 
     due and payable status from the Secretary of Housing and 
     Urban Development nor initiate foreclosure during this six-
     month period described under subparagraph (A), which shall be 
     considered a forbearance period.
       ``(C) Extension.--A forbearance provided under subparagraph 
     (B) and related deadline extension authorized under 
     subparagraph (A) shall be extended for an additional 180 days 
     upon--
       ``(i) the borrower's request, oral or written, submitted to 
     the borrower's servicer affirming that the borrower is 
     experiencing a financial hardship that prevents the borrower 
     from making payments on property charges, completing property 
     repairs, or performing an obligation of the borrower under 
     the Security Instrument due, directly or indirectly, to the 
     COVID-19 emergency;
       ``(ii) a non-borrowing spouse's request, oral or written, 
     submitted to the servicer affirming that the non-borrowing 
     spouse has been unable to satisfy all criteria for the 
     Mortgagee Optional Election program due, directly or 
     indirectly, to the COVID-19 emergency, or to perform all 
     actions necessary to become an eligible non-borrowing spouse 
     following the death of all borrowers; or
       ``(iii) a successor-in-interest of the borrower's request, 
     oral or written, submitted to the servicer affirming the 
     heir's difficulty satisfying the reverse mortgage loan due, 
     directly or indirectly, to the COVID-19 emergency.
       ``(D) Curtailment of debenture interest.--Where any covered 
     mortgage loan which is also a federally insured reverse 
     mortgage loan is in default during the covered period and 
     subject to a prior event which provides for curtailment of 
     debenture interest in connection with a claim for insurance 
     benefits, the curtailment of debenture interest shall be 
     suspended during any forbearance period provided herein.''.
       (3) Additional foreclosure and repossession protections.--
     Section 4022(c) of the CARES Act (15 U.S.C. 9056(c)) is 
     amended--
       (A) in paragraph (2), by striking ``may not initiate any 
     judicial or non-judicial foreclosure process, move for a 
     foreclosure judgment or order of sale, or execute a 
     foreclosure-related eviction or foreclosure sale for not less 
     than the 60-day period beginning on March 18, 2020'' and 
     inserting ``may not initiate or proceed with any judicial or 
     non-judicial foreclosure process, schedule a foreclosure 
     sale, move for a foreclosure judgment or order of sale, 
     execute a foreclosure related eviction or foreclosure sale 
     for six

[[Page H2648]]

     months after the date of enactment of the Emergency Housing 
     Protections and Relief Act of 2020''; and
       (B) by adding at the end the following:
       ``(3) Repossession moratorium.--In the case of personal 
     property, including any recreational or motor vehicle, used 
     as a dwelling, no person may use any judicial or non-judicial 
     procedure to repossess or otherwise take possession of such 
     property for six months after date of enactment of this 
     paragraph.''.
       (4) Mortgage forbearance reforms.--Section 4022 of the 
     CARES Act (15 U.S.C. 9056) is amended--
       (A) in subsection (b), by striking paragraphs (1), (2), and 
     (3) and inserting the following:
       ``(1) In general.--During the covered period, a borrower 
     with a covered mortgage loan who has not obtained automatic 
     forbearance pursuant to this section and who is experiencing 
     a financial hardship that prevents the borrower from making 
     timely payments on the covered mortgage loan due, directly or 
     indirectly, to the COVID-19 emergency may request forbearance 
     on the loan, regardless of delinquency status, by--
       ``(A) submitting a request, orally or in writing, to the 
     servicer of the loan; and
       ``(B) affirming that the borrower is experiencing a 
     financial hardship that prevents the borrower from making 
     timely payments on the covered mortgage loan due, directly or 
     indirectly, to the COVID-19 emergency.
       ``(2) Duration of forbearance.--
       ``(A) In general.--Upon a request by a borrower to a 
     servicer for forbearance under paragraph (1), such 
     forbearance shall be granted by the servicer for the period 
     requested by the borrower, up to an initial length of 180 
     days, the length of which shall be extended by the servicer, 
     at the request of the borrower for the period or periods 
     requested, for a total forbearance period of up to 12-months.
       ``(B) Minimum forbearance amounts.--For purposes of 
     granting a forbearance under this paragraph, a servicer may 
     grant an initial forbearance with a term of not less than 90 
     days, provided that it is automatically extended for an 
     additional 90 days unless the servicer confirms the borrower 
     does not want to renew the forbearance or that the borrower 
     is no longer experiencing a financial hardship that prevents 
     the borrower from making timely mortgage payments due, 
     directly or indirectly, to the COVID-19 emergency.
       ``(C) Right to shorten forbearance.--At a borrower's 
     request, any period of forbearance described under this 
     paragraph may be shortened. A borrower who makes such a 
     request shall be offered a loss mitigation option pursuant to 
     subsection (d) within 30 days of resuming regular payments to 
     address any payment deficiency during the forbearance.
       ``(3) Accrual of interest or fees.--A servicer shall not 
     charge a borrower any fees, penalties, or interest (beyond 
     the amounts scheduled or calculated as if the borrower made 
     all contractual payments on time and in full under the terms 
     of the mortgage contract) in connection with a forbearance, 
     provided that a servicer may offer the borrower a 
     modification option at the end of a forbearance period 
     granted hereunder that includes the capitalization of past 
     due principal and interest and escrow payments as long as the 
     borrower's principal and interest payment under such 
     modification remains at or below the contractual principal 
     and interest payments owed under the terms of the mortgage 
     contract before such forbearance period except as the result 
     of a change in the index of an adjustable rate mortgage.
       ``(4) Communication with servicers.--Any communication 
     between a borrower and a servicer described under this 
     section may be made in writing or orally, at the borrower's 
     choice.
       ``(5) Communication with borrowers with a disability.--Upon 
     request from a borrower, servicers shall communicate with 
     borrowers who have a disability in the borrower's preferred 
     method of communication. For purposes of this paragraph, the 
     term `disability' has the meaning given that term in the Fair 
     Housing Act, the Americans with Disabilities Act of 1990, or 
     the Rehabilitation Act of 1973.''; and
       (B) in subsection (c), by amending paragraph (1) to read as 
     follows:
       ``(1) No documentation required.--A servicer of a covered 
     mortgage loan shall not require any documentation with 
     respect to a forbearance under this section other than the 
     borrower's affirmation (oral or written) to a financial 
     hardship that prevents the borrower from making timely 
     payments on the covered mortgage loan due, directly or 
     indirectly, to the COVID-19 emergency. An oral request for 
     forbearance and oral affirmation of hardship by the borrower 
     shall be sufficient for the borrower to obtain or extend a 
     forbearance.''.
       (5) Other servicer requirements during forbearance.--
     Section 4022(c) of the CARES Act (15 U.S.C. 9056(c)), as 
     amended by paragraph (3) of this subsection, is further 
     amended by adding at the end the following:
       ``(4) Forbearance terms notice.--Within 30 days of a 
     servicer of a covered mortgage loan providing forbearance to 
     a borrower under subsection (b) or paragraph (9) or (10), or 
     10 days if the forbearance is for a term of less than 60 
     days, but only where the forbearance was provided in response 
     to a borrower's request for forbearance or when an automatic 
     forbearance was initially provided under paragraph (9) or 
     (10), and not when an existing forbearance is automatically 
     extended, the servicer shall provide the borrower with a 
     notice in accordance with the terms in paragraph (5).
       ``(5) Contents of notice.--The written notice required 
     under paragraph (4) shall state in plain language--
       ``(A) the specific terms of the forbearance;
       ``(B) the beginning and ending dates of the forbearance;
       ``(C) that the borrower is eligible for up to 12 months of 
     forbearance;
       ``(D) that the borrower may request an extension of the 
     forbearance unless the borrower will have reached the maximum 
     period at the end of the forbearance;
       ``(E) that the borrower may request that the initial or 
     extended period be shortened at any time;
       ``(F) that the borrower should contact the servicer before 
     the end of the forbearance period;
       ``(G) a description of the loss mitigation options that may 
     be available to the borrower at the end of the forbearance 
     period based on the borrower's specific loan;
       ``(H) information on how to find a housing counseling 
     agency approved by the Department of Housing and Urban 
     Development;
       ``(I) in the case of a forbearance provided pursuant to 
     paragraph (9) or (10), that the forbearance was automatically 
     provided and how to contact the servicer to make arrangements 
     for further assistance, including any renewal; and
       ``(J) where applicable, that the forbearance is subject to 
     an automatic extension including the terms of any such 
     automatic extensions and when any further extension would 
     require a borrower request.
       ``(6) Treatment of escrow accounts.--During any forbearance 
     provided under this section, a servicer shall pay or advance 
     funds to make disbursements in a timely manner from any 
     escrow account established on the covered mortgage loan.
       ``(7) Notification for borrowers.--During the period that 
     begins 90 days after the date of the enactment of this 
     paragraph and ends at the end of the covered period, each 
     servicer of a covered mortgage loan shall be required to--
       ``(A) make available in a clear and conspicuous manner on 
     their webpage accurate information, in English and Spanish, 
     for borrowers regarding the availability of forbearance as 
     provided under subsection (b); and
       ``(B) notify every borrower whose payments on a covered 
     mortgage loan are delinquent in any oral communication with 
     or to the borrower that the borrower may be eligible to 
     request forbearance as provided under subsection (b), except 
     that such notice shall not be required if the borrower 
     already has requested forbearance under subsection (b).
       ``(8) Certain treatment under respa.--As long as a 
     borrower's payment on a covered mortgage loan was not more 
     than 30 days delinquent on March 13, 2020, a servicer may not 
     deem the borrower as delinquent while a forbearance granted 
     under subsection (b) is in effect for purposes of the 
     application of sections 6 and 10 of the Real Estate 
     Settlement Procedures Act and any applicable regulations.''.
       (6) Post-forbearance loss mitigation.--
       (A) Amendment to cares act.--Section 4022 of the CARES Act 
     (15 U.S.C. 9056) is amended by adding at the end the 
     following:
       ``(d) Post-Forbearance Loss Mitigation.--
       ``(1) Notice of availability of additional forbearance.--
     With respect to any covered mortgage loan as to which 
     forbearance under this section has been granted and not 
     otherwise extended, including by automatic extension, a 
     servicer shall, no later than 30 days before the end of the 
     forbearance period, in writing, notify the borrower that 
     additional forbearance may be available and how to request 
     such forbearance, except that no such notice is required 
     where the borrower already has requested an extension of the 
     forbearance period, is subject to automatic extension 
     pursuant to subsection (b)(2)(B), or no additional 
     forbearance is available.
       ``(2) Loss mitigation offer before expiration of 
     forbearance.--No later than 30 days before the end of any 
     forbearance period that has not been extended or 30 days 
     after a request by a consumer to terminate the forbearance, 
     which time shall be before the servicer initiates or engages 
     in any foreclosure activity listed in subsection (c)(2), 
     including incurring or charging to a borrower any fees or 
     corporate advances related to a foreclosure, the servicer 
     shall, in writing--
       ``(A) offer the borrower a loss mitigation option, without 
     the charging of any fees or penalties other than interest, 
     such that the borrower's principal and interest payment 
     remains the same as it was prior to the forbearance, subject 
     to any adjustment of the index pursuant to the terms of an 
     adjustable rate mortgage, and that either--
       ``(i) defers the payment of total arrearages, including any 
     escrow advances, to the end of the existing term of the loan, 
     without the charging or collection of any additional interest 
     on the deferred amounts; or
       ``(ii) extends the term of the mortgage loan, and 
     capitalizes, defers, or forgives all escrow advances and 
     other arrearages;
     provided, however, that the servicer may offer the borrower a 
     loss mitigation option that reduces the principal and 
     interest payment on the loan and capitalizes, defers, or 
     forgives all escrow advances or arrearages if the servicer 
     has information indicating that

[[Page H2649]]

     the borrower cannot resume the pre-forbearance mortgage 
     payments; and
       ``(B) concurrent with the loss mitigation offer in 
     subparagraph (A), notify the borrower that the borrower has 
     the right to be evaluated for other loss mitigation options 
     if the borrower is not able to make the payment under the 
     option offered in subparagraph (A).
       ``(3) Evaluation for loss mitigation prior to foreclosure 
     initiation.--Before a servicer may initiate or engage in any 
     foreclosure activity listed in subsection (c)(2), including 
     incurring or charging to a borrower any fees or corporate 
     advances related to a foreclosure on the basis that the 
     borrower has failed to perform under the loss mitigation 
     offer in paragraph (2)(A) within the first 90 days after the 
     option is offered, including a failure to accept the loss 
     mitigation offer in paragraph (2)(A), the servicer shall--
       ``(A) unless the borrower has already submitted a complete 
     application that the servicer is reviewing--
       ``(i) notify the borrower in writing of the documents and 
     information, if any, needed by the servicer to enable the 
     servicer to consider the borrower for all available loss 
     mitigation options;
       ``(ii) exercise reasonable diligence to obtain the 
     documents and information needed to complete the borrower's 
     loss mitigation application;
       ``(B) upon receipt of a complete application or if, despite 
     the servicer's exercise of reasonable diligence, the loss 
     mitigation application remains incomplete sixty days after 
     the notice in paragraph (2)(A) is sent, conduct an evaluation 
     of the complete or incomplete loss mitigation application 
     without reference to whether the borrower has previously 
     submitted a complete loss mitigation application and offer 
     the borrower all available loss mitigation options for which 
     the borrower qualifies under applicable investor guidelines, 
     including guidelines regarding required documentation.
       ``(4) Effect on future requests for loss mitigation 
     review.--An application, offer, or evaluation for loss 
     mitigation under this section shall not be the basis for the 
     denial of a borrower's application as duplicative or for a 
     reduction in the borrower's appeal rights under Regulation X 
     (12 C.F.R. 1024) in regard to any loss mitigation application 
     submitted after the servicer has complied with the 
     requirements of paragraphs (2) and (3).
       ``(5) Safe harbor.--Any loss mitigation option authorized 
     by the Federal National Mortgage Association, the Federal 
     Home Loan Corporation, or the Federal Housing Administration 
     that either--
       ``(A) defers the payment of total arrearages, including any 
     escrow advances, to the end of the existing term of the loan, 
     without the charging or collection of any additional interest 
     on the deferred amounts, or
       ``(B) extends the term of the mortgage loan, and 
     capitalizes, defers, or forgives all escrow advances and 
     other arrearages, without the charging of any fees or 
     penalties beyond interest on any amount capitalized into the 
     loan principal,
     shall be deemed to comply with the requirements of paragraph 
     (1)(B).
       ``(6) Home retention options for certain reverse mortgage 
     loans.--
       ``(A) In general.--For a covered mortgage loan which is 
     also a federally-insured reverse mortgage loan, a servicer's 
     conduct shall be deemed to comply with this section provided 
     that if the loan is eligible to be called due and payable due 
     to a property charge default, the mortgagee shall, as a 
     precondition to sending a due and payable request to the 
     Secretary or initiating or continuing a foreclosure process--
       ``(i) make a good faith effort to communicate with the 
     borrower regarding available home retention options to cure 
     the property charge default, including encouraging the 
     borrower to apply for home retention options; and
       ``(ii) consider the borrower for all available home 
     retention options as allowed by the Secretary.
       ``(B) Permissible repayment plans.--The Secretary shall 
     amend its allowable home retention options to permit a 
     repayment plan of up to 120 months in length, and to permit a 
     repayment plan without regard to prior defaults on repayment 
     plans.
       ``(C) Limitation on interest curtailment.--The Secretary 
     may not curtail interest paid to mortgagees who engage in 
     loss mitigation or home retention actions through interest 
     curtailment during such loss mitigation or home retention 
     review or during the period when a loss mitigation or home 
     retention plan is in effect and ending 90 days after any such 
     plan terminates.''.
       (B) Amendment to housing act of 1949.--Section 505 of the 
     Housing Act of 1949 (42 U.S.C. 1475) is amended--
       (i) by striking the section heading and inserting ``loss 
     mitigation and foreclosure procedures'';
       (ii) in subsection (a), by striking the section designation 
     and all that follows through ``During any'' and inserting the 
     following:
       ``Sec. 505. (a) Moratorium.--(1) In determining a 
     borrower's eligibility for relief, the Secretary shall make 
     all eligibility decisions based on the borrower's household's 
     income, expenses, and circumstances.
       ``(2) During any''.
       (iii) by redesignating subsection (b) as subsection (c); 
     and
       (iv) by inserting after subsection (a) the following new 
     subsection:
       ``(b) Loan Modification.--(1) Notwithstanding any other 
     provision of this title, for any loan made under section 502 
     or 504, the Secretary may modify the interest rate and extend 
     the term of such loan for up to 30 years from the date of 
     such modification.
       ``(2) At the end of any moratorium period granted under 
     this section or under the Emergency Housing Protections and 
     Relief Act of 2020, the Secretary shall determine whether the 
     borrower can reasonably resume making principal and interest 
     payments after the Secretary modifies the borrower's loan 
     obligations in accordance with paragraph (1).''.
       (7) Multifamily mortgage forbearance.--Section 4023 of the 
     CARES Act (15 U.S.C. 9057) is amended--
       (A) by striking ``Federally backed multifamily mortgage 
     loan'' each place such term appears and inserting 
     ``multifamily mortgage loan'';
       (B) in subsection (b), by striking ``during'' and inserting 
     ``due, directly or indirectly, to'';
       (C) in subsection (c)(1)--
       (i) in subparagraph (A), by adding ``and'' at the end;
       (ii) by striking subparagraphs (B) and (C) and inserting 
     the following:
       ``(B) provide the forbearance for up to the end of the 
     period described under section 4024(b).''; and
       (D) by redesignating subsection (f) as subsection (g);
       (E) by inserting after subsection (e) the following:
       ``(f) Treatment After Forbearance.--With respect to a 
     multifamily mortgage loan provided a forbearance under this 
     section, the servicer of such loan--
       ``(1) shall provide the borrower with a 12-month period 
     beginning at the end of such forbearance to become current on 
     the payments under such loan;
       ``(2) may not charge any late fees, penalties, or other 
     charges with respect to payments on the loan that were due 
     during the forbearance period, if such payments are made 
     before the end of the 12-month period; and
       ``(3) may not report any adverse information to a credit 
     rating agency (as defined under section 603 of the Fair 
     Credit Reporting Act with respect to any payments on the loan 
     that were due during the forbearance period, if such payments 
     are made before the end of the 12-month period.).''; and
       (F) in subsection (g), as so redesignated--
       (i) in paragraph (2)--

       (I) by striking ``that--'' and all that follows through 
     ``(A) is secured by'' and inserting ``that is secured by'';
       (II) by striking ``; and'' and inserting a period; and
       (III) by striking subparagraph (B); and

       (ii) by amending paragraph (5) to read as follows:
       ``(5) Covered period.--With respect to a loan, the term 
     `covered period' has the meaning given that term under 
     section 4022(a)(3).''.
       (8) Renter protections during forbearance period.-- A 
     borrower that receives a forbearance pursuant to section 4022 
     or 4023 of the CARES Act (15 U.S.C. 9056 or 9057) may not, 
     for the duration of the forbearance--
       (A) evict or initiate the eviction of a tenant solely for 
     nonpayment of rent or other fees or charges; or
       (B) charge any late fees, penalties, or other charges to a 
     tenant for late payment of rent.
       (9) Extension of gse patch.--
       (A) Non-applicability of existing sunset.--Section 
     1026.43(e)(4)(iii)(B) of title 12, Code of Federal 
     Regulations, shall have no force or effect.
       (B) Extended sunset.--The special rules in section 
     1026.43(e)(4) of title 12, Code of Federal Regulations, shall 
     apply to covered transactions consummated prior to June 1, 
     2022, or such later date as the Director of the Bureau of 
     Consumer Financial Protection may determine, by rule.
       (10) Servicer safe harbor from investor liability.--
       (A) Safe harbor.--
       (i) In general.--A servicer of covered mortgage loans or 
     multifamily mortgage loans shall be deemed not to have 
     violated any duty or contractual obligation owed to investors 
     or other parties regarding such mortgage loans on account of 
     offering or implementing in good faith forbearance during the 
     covered period or offering or implementing in good faith 
     post-forbearance loss mitigation (including after the 
     expiration of the covered period) in accordance with the 
     terms of sections 4022 and 4023 of the CARES Act to 
     borrowers, respectively, on covered or multifamily mortgage 
     loans that it services and shall not be liable to any party 
     who is owed such a duty or obligation or subject to any 
     injunction, stay, or other equitable relief to such party on 
     account of such offer or implementation of forbearance or 
     post-forbearance loss mitigation.
       (ii) Other persons.--Any person, including a trustee of a 
     securitization vehicle or other party involved in a 
     securitization or other investment vehicle, who in good faith 
     cooperates with a servicer of covered or multifamily mortgage 
     loans held by that securitization or investment vehicle to 
     comply with the terms of section 4022 and 4023 of the CARES 
     Act, respectively, to borrowers on covered or multifamily 
     mortgage loans owned by the securitization or other 
     investment vehicle shall not be liable to any party who is 
     owed such a duty or obligation or subject to any injunction, 
     stay, or other equitable relief to such party on account of 
     its cooperation with an offer or implementation

[[Page H2650]]

     of forbearance during the covered period or post-forbearance 
     loss mitigation, including after the expiration of the 
     covered period.
       (B) Standard industry practice.--During the covered period, 
     notwithstanding any contractual restrictions, it is deemed to 
     be standard industry practice for a servicer to offer 
     forbearance or loss mitigation options in accordance with the 
     terms of sections 4022 and 4023 of the CARES Act to 
     borrowers, respectively, on all covered or multifamily 
     mortgage loans it services.
       (C) Rule of construction.--Nothing in this paragraph may be 
     construed as affecting the liability of a servicer or other 
     person for actual fraud in the servicing of a mortgage loan 
     or for the violation of a State or Federal law.
       (D) Definitions.--In this paragraph:
       (i) Covered mortgage loan.--The term ``covered mortgage 
     loan'' has the meaning given that term under section 4022(a) 
     of the CARES Act.
       (ii) Covered period.--The term ``covered period'' has the 
     meaning given that term under section 4023(g) of the CARES 
     Act.
       (iii) Multifamily mortgage loan.--The term ``multifamily 
     mortgage loan'' has the meaning given that term under section 
     4023(g) of the CARES Act.
       (iv) Servicer.--The term ``servicer''--

       (I) has the meaning given the term under section 6(i) of 
     the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 
     2605(i)); and
       (II) means a master servicer and a subservicer, as such 
     terms are defined, respectively, under section 1024.31 of 
     title 12, Code of Federal Regulations.

       (v) Securitization vehicle.--The term ``securitization 
     vehicle'' has the meaning give that term under section 
     129A(f) of the Truth in Lending Act (15 U.S.C. 1639a(f)).
       (c) Bankruptcy Protections.--
       (1) Bankruptcy protections for federal coronavirus relief 
     payments.--Section 541(b) of title 11, United States Code, is 
     amended--
       (A) in paragraph (9), in the matter following subparagraph 
     (B), by striking ``or'';
       (B) in paragraph (10)(C), by striking the period at the end 
     and inserting ``; or''; and
       (C) by inserting after paragraph (10) the following:
       ``(11) payments made under Federal law relating to the 
     national emergency declared by the President under the 
     National Emergencies Act (50 U.S.C. 1601 et seq.) with 
     respect to the coronavirus disease 2019 (COVID-19).''.
       (2) Protection against discriminatory treatment of 
     homeowners in bankruptcy.--Section 525 of title 11, United 
     States Code, is amended by adding at the end the following:
       ``(d) A person may not be denied any forbearance, 
     assistance, or loan modification relief made available to 
     borrowers by a mortgage creditor or servicer because the 
     person is or has been a debtor, or has received a discharge, 
     in a case under this title.''.
       (3) Increasing the homestead exemption.--Section 522 of 
     title 11, United States Code, is amended--
       (A) in subsection (d)(1), by striking ``$15,000'' and 
     inserting ``$100,000''; and
       (B) by adding at the end the following:
       ``(r) Notwithstanding any other provision of applicable 
     nonbankruptcy law, a debtor in any State may exempt from 
     property of the estate the property described in subsection 
     (d)(1) not to exceed the value in subsection (d)(1) if the 
     exemption for such property permitted by applicable 
     nonbankruptcy law is lower than that amount.''.
       (4) Effect of missed mortgage payments on discharge.--
     Section 1328 of title 11, United States Code, is amended by 
     adding at the end the following:
       ``(i) A debtor shall not be denied a discharge under this 
     section because, as of the date of discharge, the debtor did 
     not make 6 or fewer payments directly to the holder of a debt 
     secured by real property.
       ``(j) Notwithstanding subsections (a) and (b), upon the 
     debtor's request, the court shall grant a discharge of all 
     debts provided for in the plan that are dischargeable under 
     subsection (a) if the debtor--
       ``(1) has made payments under a confirmed plan for at least 
     1 year; and
       ``(2) is experiencing or has experienced a material 
     financial hardship due, directly or indirectly, to the 
     coronavirus disease 2019 (COVID-19) pandemic.''.
       (5) Expanded eligibility for chapter 13.--Section 109(e) of 
     title 11, United States Code, is amended--
       (A) by striking ``$250,000'' each place the term appears 
     and inserting ``$850,000''; and
       (B) by striking ``$750,000'' each place the term appears 
     and inserting ``$2,600,000''.
       (6) Extended cure period for homeowners harmed by covid-19 
     pandemic.--
       (A) In general.--Chapter 13 of title 11, United States 
     Code, is amended by adding at the end thereof the following:

     ``Sec. 1331. Special provisions related to COVID-19 pandemic

       ``(a) Notwithstanding subsections (b)(2) and (d) of section 
     1322, if the debtor is experiencing or has experienced a 
     material financial hardship due, directly or indirectly, to 
     the coronavirus disease 2019 (COVID-19) pandemic, a plan may 
     provide for the curing of any default within a reasonable 
     time, not to exceed 7 years after the time that the first 
     payment under the original confirmed plan was due, and 
     maintenance of payments while the case is pending on any 
     unsecured claim or secured claim on which the last payment is 
     due after the expiration of such time. Any such plan 
     provision shall not affect the applicable commitment period 
     under section 1325(b).
       ``(b) For purposes of sections 1328(a) and 1328(b), any 
     cure or maintenance payments under subsection (a) that are 
     made after the end of the period during which the plan 
     provides for payments (other than payments under subsection 
     (a)) shall not be treated as payments under the plan.
       ``(c) Notwithstanding section 1329(c), a plan modified 
     under section 1329 at the debtor's request may provide for 
     cure or maintenance payments under subsection (a) over a 
     period that is not longer than 7 years after the time that 
     the first payment under the original confirmed plan was due.
       ``(d) Notwithstanding section 362(c)(2), during the period 
     after the debtor receives a discharge and the period during 
     which the plan provides for the cure of any default and 
     maintenance of payments under the plan, section 362(a) shall 
     apply to the holder of a claim for which a default is cured 
     and payments are maintained under subsection (a) and to any 
     property securing such claim.
       ``(e) Notwithstanding section 1301(a)(2), the stay of 
     section 1301(a) terminates upon the granting of a discharge 
     under section 1328 with respect to all creditors other than 
     the holder of a claim for which a default is cured and 
     payments are maintained under subsection (a).''.
       (B) Table of contents.--The table of sections of chapter 
     13, title 11, United States Code, is amended by adding at the 
     end thereof the following:

``Sec. 1331. Special provisions related to COVID-19 Pandemic.''.
       (C) Application.--The amendments made by this paragraph 
     shall apply only to any case under title 11, United States 
     Code, commenced before 3 years after the date of enactment of 
     this Act and pending on or commenced after such date of 
     enactment, in which a plan under chapter 13 of title 11, 
     United States Code, was not confirmed before March 27, 2020.

     SEC. 104. LIQUIDITY FOR MORTGAGE SERVICERS AND RESIDENTIAL 
                   RENTAL PROPERTY OWNERS.

       (a) In General.--Section 4003 of the CARES Act (15 U.S.C. 
     9042), is amended by adding at the end the following:
       ``(i) Liquidity for Mortgage Servicers.--
       ``(1) In general.--Subject to paragraph (2), the Secretary 
     shall ensure that servicers of covered mortgage loans (as 
     defined under section 4022) and multifamily mortgage loans 
     (as defined under section 4023) are provided the opportunity 
     to participate in the loans, loan guarantees, or other 
     investments made by the Secretary under this section. The 
     Secretary shall ensure that servicers are provided with 
     access to such opportunities under equitable terms and 
     conditions regardless of their size.
       ``(2) Mortgage servicer eligibility.--In order to receive 
     assistance under subsection (b)(4), a mortgage servicer 
     shall--
       ``(A) demonstrate that the mortgage servicer has 
     established policies and procedures to use such funds only to 
     replace funds used for borrower assistance, including to 
     advance funds as a result of forbearance or other loss 
     mitigation provided to borrowers;
       ``(B) demonstrate that the mortgage servicer has 
     established policies and procedures to provide forbearance, 
     post-forbearance loss mitigation, and other assistance to 
     borrowers in compliance with the terms of section 4022 or 
     4023, as applicable;
       ``(C) demonstrate that the mortgage servicer has 
     established policies and procedures to ensure that 
     forbearance and post-forbearance assistance is available to 
     all borrowers in a non-discriminatory fashion and in 
     compliance with the Fair Housing Act, the Equal Credit 
     Opportunity Act, and other applicable fair housing and fair 
     lending laws; and
       ``(D) comply with the limitations on compensation set forth 
     in section 4004.
       ``(3) Mortgage servicer requirements.--A mortgage servicer 
     receiving assistance under subsection (b)(4) may not, while 
     the servicer is under any obligation to repay funds provided 
     or guaranteed under this section--
       ``(A) pay dividends with respect to the common stock of the 
     mortgage servicer or purchase an equity security of the 
     mortgage servicer or any parent company of the mortgage 
     servicer if the security is listed on a national securities 
     exchange, except to the extent required under a contractual 
     obligation that is in effect on the date of enactment of this 
     subsection; or
       ``(B) prepay any debt obligation.''.
       (b) Credit Facility for Residential Rental Property 
     Owners.--
       (1) In general.--The Board of Governors of the Federal 
     Reserve System shall--
       (A) establish a facility, using amounts made available 
     under section 4003(b)(4) of the CARES Act (15 U.S.C. 
     9042(b)(4)), to make long-term, low-cost loans to residential 
     rental property owners as to temporarily compensate such 
     owners for documented financial losses caused by reductions 
     in rent payments; and
       (B) defer such owners' required payments on such loans 
     until after six months after the date of enactment of this 
     Act.
       (2) Requirements.--A borrower that receives a loan under 
     this subsection may not, for the duration of the loan--
       (A) evict or initiate the eviction of a tenant solely for 
     nonpayment of rent or other fees or charges;
       (B) charge any late fees, penalties, or other charges to a 
     tenant for late payment of rent; and

[[Page H2651]]

       (C) with respect to a person or entity described under 
     paragraph (4), discriminate on the basis of source of income.
       (3) Report on residential rental property owners.--The 
     Board of Governors shall issue a report to the Congress 
     containing the following, with respect to each property owner 
     receiving a loan under this subsection:
       (A) The number of borrowers that received assistance under 
     this subsection.
       (B) The average total loan amount that each borrower 
     received.
       (C) The total number of rental units that each borrower 
     owned.
       (D) The average rent charged by each borrower.
       (4) Report on large residential rental property owners.--
     The Board of Governors shall issue a report to Congress that 
     identifies any person or entity that in aggregate owns or 
     holds a controlling interest in any entity that, in 
     aggregate, owns--
       (A) more than 100 rental units that are located within in a 
     single Metropolitan Statistical Area;
       (B) more than 1,000 rental units nationwide; or
       (C) rental units in three or more States.
       (c) Amendments to National Housing Act.--Section 306(g)(1) 
     of the National Housing Act (12 U.S.C. 1721(a)) is amended--
       (1) in the fifth sentence, by inserting after ``issued'' 
     the following: ``, subject to any pledge or grant of security 
     interest of the Federal Reserve under section 4003(a) of the 
     CARES Act (Public Law 116-136; 134 Stat. 470; 15 U.S.C. 
     9042(a)) and to any such mortgage or mortgages or any 
     interest therein and the proceeds thereon, which the 
     Association may elect to approve''; and
       (2) in the sixth sentence--
       (A) by striking ``or (C)'' and inserting ``(C)''; and
       (B) by inserting before the period the following: ``, or 
     (D) its approval and honoring of any pledge or grant of 
     security interest of the Federal Reserve under section 
     4003(a) of the CARES Act and to any such mortgage or 
     mortgages or any interest therein and proceeds thereon as''.

     SEC. 105. RURAL RENTAL ASSISTANCE.

       There is authorized to be appropriated for fiscal year 2020 
     $309,000,000 for rural rental assistance, which shall remain 
     available until September 30, 2021, of which--
       (1) up to $25,000,000 may be used for an additional amount 
     for rural housing vouchers for any low-income households 
     (including those not receiving rental assistance) residing in 
     a property financed with a section 515 loan which has been 
     prepaid after September 30, 2005, or has matured after 
     September 30, 2019; and
       (2) the remainder shall be used for an additional amount 
     for rural rental assistance agreements entered into or 
     renewed pursuant to section 521(a)(2) of the Housing Act of 
     1949 (42 U.S.C. 1490a(a)(2)) to--
       (A) supplement the rental assistance of households on whose 
     behalf assistance is being provided; and
       (B) provide rental assistance on behalf of households who 
     are not being assisted with such rental assistance but who 
     qualify for such assistance.

     SEC. 106. FUNDING FOR PUBLIC HOUSING AND TENANT-BASED RENTAL 
                   ASSISTANCE.

       (a) Public Housing Operating Fund.--There is authorized to 
     be appropriated for an additional amount for fiscal year 2020 
     for the Public Housing Operating Fund under section 9(e) of 
     the United States Housing Act of 1937 (42 U.S.C. 1437g(e)) 
     $2,000,000,000, to remain available until September 30, 2021.
       (b) Tenant-Based Section 8 Rental Assistance.--There is 
     authorized to be appropriated for an additional amount for 
     fiscal year 2020 for the tenant-based rental assistance under 
     section 8(o) of the United States Housing Act of 1937 (42 
     U.S.C. 1437f(o)) $3,000,000,000, to remain available until 
     September 30, 2021, of which not more than $500,000,000 may 
     be used for administrative fees under section 8(q) of such 
     Act (42 U.S.C. 1437f(q)).
       (c) Applicability of Waivers.--Any waiver or alternative 
     requirement made by the Secretary of Housing and Urban 
     Development pursuant to the heading ``Tenant-Based Rental 
     Assistance'' or ``Public Housing Operating Fund'' in title 
     XII of division B of the CARES Act (Public Law 116-136) shall 
     apply with respect to amounts made available pursuant to this 
     section.

     SEC. 107. SUPPLEMENTAL FUNDING FOR SUPPORTIVE HOUSING FOR THE 
                   ELDERLY, SUPPORTIVE HOUSING FOR PERSONS WITH 
                   DISABILITIES, SUPPORTIVE HOUSING FOR PERSONS 
                   WITH AIDS, AND PROJECT-BASED SECTION 8 RENTAL 
                   ASSISTANCE.

       (a) Authorization of Appropriations.--There is authorized 
     to be appropriated $500,000,000 for fiscal year 2020 for 
     additional assistance for supportive housing for the elderly, 
     of which--
       (1) $200,000,000 shall be for rental assistance under 
     section 202 of the Housing Act of 1959 (12 U.S.C. 1701q) or 
     section 8 of the United States Housing Act of 1937 (42 U.S.C. 
     1437f), as appropriate, and for hiring additional staff and 
     for services and costs, including acquiring personal 
     protective equipment, to prevent, prepare for, or respond to 
     the public health emergency relating to Coronavirus Disease 
     2019 (COVID-19) pandemic; and
       (2) $300,000,000 shall be for grants under section 676 of 
     the Housing and Community Development Act of 1992 (42 U.S.C. 
     13632) for costs of providing service coordinators for 
     purposes of coordinating services to prevent, prepare for, or 
     respond to the public health emergency relating to 
     Coronavirus Disease 2019 (COVID-19).
     Any provisions of, and waivers and alternative requirements 
     issued by the Secretary pursuant to, the heading ``Department 
     of Housing and Urban Development--Housing Programs--Housing 
     for the Elderly'' in title XII of division B of the CARES Act 
     (Public Law 116-136) shall apply with respect to amounts made 
     available pursuant to this subsection.  
       (b) Eligibility of Supportive Housing for Persons With 
     Disabilities.--Subsection (a) of section 676 of the Housing 
     and Community Development Act of 1992 (42 U.S.C. 13632(a)) 
     shall be applied, for purposes of subsection (a) of this 
     section, by substituting ``(G), and (H)'' for `` and (G)''.
       (c) Service Coordinators.--
       (1) Hiring.--In the hiring of staff using amounts made 
     available pursuant to this section for costs of providing 
     service coordinators, grantees shall consider and hire, at 
     all levels of employment and to the greatest extent possible, 
     a diverse staff, including by race, ethnicity, gender, and 
     disability status. Each grantee shall submit a report to the 
     Secretary of Housing and Urban Development describing 
     compliance with the preceding sentence not later than the 
     expiration of the 120-day period that begins upon the 
     termination of the emergency declared on March 13, 2020, by 
     the President under the Robert T. Stafford Disaster Relief 
     and Emergency Assistance Act (42 U.S.C. 4121 et seq.) 
     relating to the Coronavirus Disease 2019 (COVID-19) pandemic.
       (2) One-time grants.--Grants made using amounts made 
     available pursuant to subsection (a) for costs of providing 
     service coordinators shall not be renewable.
       (3) One-year availability.--Any amounts made available 
     pursuant to this section for costs of providing service 
     coordinators that are allocated for a grantee and remain 
     unexpended upon the expiration of the 12-month period 
     beginning upon such allocation shall be recaptured by the 
     Secretary.
       (d) Funding for Supportive Housing for Persons With 
     Disabilities.--There is authorized to be appropriated 
     $200,000,000 for fiscal year 2020 for additional assistance 
     for supportive housing for persons with disabilities under 
     section 811 of the Cranston-Gonzalez National Affordable 
     Housing Act (42 U.S.C. 8013). Any provisions of, and waivers 
     and alternative requirements issued by the Secretary pursuant 
     to, the heading ``Department of Housing and Urban 
     Development--Housing Programs--Housing for Persons With 
     Disabilities'' in title XII of division B of the CARES Act 
     (Public Law 116-136) shall apply with respect to amounts made 
     available pursuant to this subsection.
       (e) Funding for Housing Opportunities for People With AIDS 
     Program.--There is authorized to be appropriated $15,000,000 
     for fiscal year 2020 for additional assistance for the 
     Housing Opportunities for Persons with AIDS program under the 
     AIDS Housing Opportunity Act (42 U.S.C. 12901 et seq.). Any 
     provisions of, and waivers and alternative requirements 
     issued by the Secretary pursuant to, the heading ``Department 
     of Housing and Urban Development--Community Planning and 
     Development--Housing Opportunities for Persons With AIDS'' in 
     title XII of division B of the CARES Act (Public Law 116-136) 
     shall apply with respect to amounts made available pursuant 
     to this subsection.
       (f) Funding for Project-Based Section 8 Rental 
     Assistance.--There is authorized to be appropriated 
     $750,000,000 for fiscal year 2020 for additional assistance 
     for project-based rental assistance under section 8 of the 
     United States Housing Act of 1937 (42 U.S.C. 1437f). Any 
     provisions of, and waivers and alternative requirements 
     issued by the Secretary pursuant to, the heading ``Department 
     of Housing and Urban Development--Housing Programs--Project-
     Based Rental Assistance'' in title XII of division B of the 
     CARES Act (Public Law 116-136) shall apply with respect to 
     amounts made available pursuant to this subsection.

     SEC. 108. FAIR HOUSING.

       (a) Definition of COVID-19 Emergency Period.-- For purposes 
     of this Act, the term ``COVID-19 emergency period'' means the 
     period that begins upon the date of the enactment of this Act 
     and ends upon the date of the termination by the Federal 
     Emergency Management Agency of the emergency declared on 
     March 13, 2020, by the President under the Robert T. Stafford 
     Disaster Relief and Emergency Assistance Act (42 U.S.C. 4121 
     et seq.) relating to the Coronavirus Disease 2019 (COVID-19) 
     pandemic.
       (b) Fair Housing Activities.--
       (1) Authorization of appropriations.--To ensure existing 
     grantees have sufficient resource for fair housing activities 
     and for technology and equipment needs to deliver services 
     through use of the Internet or other electronic or virtual 
     means in response to the public health emergency related to 
     the Coronavirus Disease 2019 (COVID-19) pandemic, there is 
     authorized to be appropriated $4,000,000 for Fair Housing 
     Organization Initiative grants through the Fair Housing 
     Initiatives Program under section 561 of the Housing and 
     Community Development Act of 1987 (42 U.S.C. 3616a).
       (2) 3-year availability.--Any amounts made available 
     pursuant paragraph (1) that are allocated for a grantee and 
     remain unexpended upon the expiration of the 3-year period 
     beginning upon such allocation shall be recaptured by the 
     Secretary.
       (c) Fair Housing Education.--There is authorized to be 
     appropriated $10,000,000 for the

[[Page H2652]]

     Office of Fair Housing and Equal Opportunity of the 
     Department of Housing and Urban Development to carry out a 
     national media campaign and local education and outreach to 
     educate the public of increased housing rights during COVID-
     19 emergency period, that provides that information and 
     materials used in such campaign are available--
       (1) in the languages used by communities with limited 
     English proficiency; and
       (2) to persons with disabilities.

     SEC. 109. FUNDING FOR HOUSING COUNSELING SERVICES.

       (a) Congressional Findings.--The Congress finds that--
       (1) the spread of Coronavirus Disease 2019 (COVID-19), 
     which is now considered a global pandemic, is expected to 
     negatively impact the incomes of potentially millions of 
     homeowners, renters, individuals experiencing homelessness, 
     and individuals at risk of homelessness, making it difficult 
     for them to pay their mortgages or rents on time;
       (2) housing counseling is critical to ensuring that 
     homeowners, renters, individuals experiencing homelessness, 
     and individuals at risk of homelessness have the resources 
     they need to manage financial hardships from the COVID-19 
     crisis;
       (3) loan preservation and foreclosure mitigation services 
     are also critical to address the needs of homeowners who lose 
     employment and income because of the pandemic and who face 
     serious delinquency or home loan default, or are in 
     foreclosing proceedings during this period;
       (4) evaluations from the National Foreclosure Mitigation 
     Counseling program revealed that homeowners at risk of or 
     facing foreclosure are better served when they have access to 
     a housing counselor and a range of tools and resources to 
     help them avoid losing their home and have the support they 
     need to tailor the best possible response to their situation.
       (b) Authorization of Appropriations.--There is authorized 
     to be appropriated to the Neighborhood Reinvestment 
     Corporation (in this section referred to as the 
     ``Corporation'') established under the Neighborhood 
     Reinvestment Corporation Act (42 U.S.C. 8101 et seq.) 
     $100,000,000 for fiscal year 2020 for housing counseling 
     services, which shall remain available until September 30, 
     2023.
       (c) Prioritization of Housing Counseling Services.--Of any 
     grant funds made available pursuant to subsection (b), not 
     less than 40 percent shall be provided to counseling 
     organizations that target counseling services to minority and 
     low-income homeowners, renters, individuals experiencing 
     homelessness, and individuals at risk of homelessness or 
     provide such services in neighborhoods with high 
     concentrations of minority and low-income homeowners, 
     renters, individuals experiencing homelessness, and 
     individuals at risk of homelessness.
       (d) Eligible Uses.--Amounts made available pursuant to 
     subsection (b) may be used in such amounts as the Corporation 
     determines for costs of--
       (1) public education and outreach;
       (2) direct services, including the full range of services 
     provided by housing counselors to assist homeowners, 
     including manufactured homeowners, regardless of financing 
     type, renters, individuals experiencing homelessness, and 
     individuals at risk of homelessness, including the practices, 
     tools, and innovations in foreclosure mitigation that were 
     utilized in the National Foreclosure Mitigation Counseling 
     Program, and financial capability, credit counseling, 
     homeless counseling, and rental counseling;
       (3) equipment and technology, including broadband internet 
     and equipment upgrades needed to ensure timely and effective 
     service delivery;
       (4) training, including capacitating housing counseling 
     staff in various modes of counseling, including rental and 
     foreclosure, delivery of remote counseling utilizing improved 
     technology, enhanced network security, and supportive options 
     for the delivery of client services; and
       (5) administration and oversight of the program in 
     accordance with the Corporation's rate for program 
     administration.
       (e) Disbursement.--The Corporation shall disburse all grant 
     funds made available pursuant to subsection (b) as 
     expeditiously as possible, through grants to housing 
     counseling intermediaries approved by the Department of 
     Housing and Urban Development, State housing finance 
     agencies, and NeighborWorks organizations. The aggregate 
     amount provided to NeighborWorks organizations shall not 
     exceed 15 percent of the total of grant funds made available 
     pursuant to subsection (b).

         TITLE II--PROTECTING PEOPLE EXPERIENCING HOMELESSNESS

     SEC. 201. HOMELESS ASSISTANCE FUNDING.

       (a) Emergency Homeless Assistance.--
       (1) Authorization of appropriations.--There is authorized 
     to be appropriated under the Emergency Solutions Grants 
     program under subtitle B of title IV of the McKinney-Vento 
     Homeless Assistance Act (42 U.S.C. 11371 et seq.) 
     $11,500,000,000 for grants under such subtitle in accordance 
     with this subsection to respond to needs arising from the 
     public health emergency relating to Coronavirus Disease 2019 
     (COVID-19). Of such amounts made available, $4,000,000,000 
     shall be allocated in accordance with sections 413 and 414 of 
     the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11372, 
     11373).
       (2) Formula.--Notwithstanding sections 413 and 414 of the 
     McKinney-Vento Homeless Assistance Act (42 U.S.C. 11372, 
     11373), the Secretary of Housing and Urban Development (in 
     this Act referred to as the ``Secretary'') shall allocate any 
     amounts remaining after amounts are allocated pursuant to 
     paragraph (1) in accordance with a formula to be established 
     by the Secretary that takes into consideration the following 
     factors:
       (A) Risk of transmission of coronavirus in a jurisdiction.
       (B) Whether a jurisdiction has a high number or rate of 
     sheltered and unsheltered homeless individuals and families.
       (C) Economic and housing market conditions in a 
     jurisdiction.
       (3) Eligible activities.--In addition to eligible 
     activities under section 415(a) of the McKinney-Vento 
     Homeless Assistance Act (42 U.S.C. 11374(a), amounts made 
     available pursuant to paragraph (1) may also be used for 
     costs of the following activities:
       (A) Providing training on infectious disease prevention and 
     mitigation.
       (B) Providing hazard pay, including for time worked before 
     the effectiveness of this subparagraph, for staff working 
     directly to prevent and mitigate the spread of coronavirus or 
     COVID-19 among people experiencing or at risk of 
     homelessness.
       (C) Reimbursement of costs for eligible activities 
     (including activities described in this paragraph) relating 
     to preventing, preparing for, or responding to the 
     coronavirus or COVID-19 that were accrued before the date of 
     the enactment of this Act.
       (D) Notwithstanding 24 CFR 576.102(a)(3), providing a hotel 
     or motel voucher for a homeless individual or family.
     Use of such amounts for activities described in this 
     paragraph shall not be considered use for administrative 
     purposes for purposes of section 418 of the McKinney-Vento 
     Homeless Assistance Act (42 U.S.C. 11377).
       (4) Inapplicability of procurement standards.--To the 
     extent amounts made available pursuant to paragraph (1) are 
     used to procure goods and services relating to activities to 
     prevent, prepare for, or respond to the coronavirus or COVID-
     19, the standards and requirements regarding procurement that 
     are otherwise applicable shall not apply.
       (5) Inapplicability of habitability and environmental 
     review standards.--Any Federal standards and requirements 
     regarding habitability and environmental review shall not 
     apply with respect to any emergency shelter that is assisted 
     with amounts made available pursuant to paragraph (1) and has 
     been determined by a State or local health official, in 
     accordance with such requirements as the Secretary shall 
     establish, to be necessary to prevent and mitigate the spread 
     of coronavirus or COVID-19, such shelters.
       (6) Inapplicability of cap on emergency shelter 
     activities.--Subsection (b) of section 415 of the McKinney-
     Vento Homeless Assistance Act shall not apply to any amounts 
     made available pursuant to paragraph (1) of this subsection.
       (7) Initial allocation of assistance.--Section 417(b) of 
     the McKinney-Vento Homeless Assistance Act (42 U.S.C. 
     11376(b)) shall be applied with respect to amounts made 
     available pursuant to paragraph (1) of this subsection by 
     substituting ``30-day'' for ``60-day''.
       (8) Waivers and alternative requirements.--
       (A) Authority.--In administering amounts made available 
     pursuant to paragraph (1), the Secretary may waive, or 
     specify alternative requirements for, any provision of any 
     statute or regulation (except for any requirements related to 
     fair housing, nondiscrimination, labor standards, and the 
     environment) that the Secretary administers in connection 
     with the obligation or use by the recipient of such amounts, 
     if the Secretary finds that good cause exists for the waiver 
     or alternative requirement and such waiver or alternative 
     requirement is consistent with the purposes described in this 
     subsection.
       (B) Notification.--The Secretary shall notify the public 
     through the Federal Register or other appropriate means 5 
     days before the effective date of any such waiver or 
     alternative requirement, and any such public notice may be 
     provided on the Internet at the appropriate Government web 
     site or through other electronic media, as determined by the 
     Secretary.
       (C) Exemption.--The use of amounts made available pursuant 
     to paragraph (1) shall not be subject to the consultation, 
     citizen participation, or match requirements that otherwise 
     apply to the Emergency Solutions Grants program, except that 
     a recipient shall publish how it has and will utilize its 
     allocation at a minimum on the Internet at the appropriate 
     Government web site or through other electronic media.
       (9) Inapplicability of matching requirement.--Subsection 
     (a) of section 416 of the McKinney-Vento Homeless Assistance 
     Act (42 U.S.C. 11375(a)) shall not apply to any amounts made 
     available pursuant to paragraph (1) of this subsection.
       (10) Prohibition on prerequisites.--None of the funds 
     authorized under this subsection may be used to require 
     people experiencing homelessness to receive treatment or 
     perform any other prerequisite activities as a condition for 
     receiving shelter, housing, or other services.
       (b) Continuum of Care Program.--Due to the emergency 
     relating to the Coronavirus Disease 2019 (COVID-19) pandemic, 
     the Notice of Funding Availability (NOFA) for fiscal year 
     2020 for the Continuum of Care program under subtitle C of 
     title IV of the McKinney-

[[Page H2653]]

     Vento Homeless Assistance Act (42 U.S.C. 11381 et seq.) shall 
     have no force or effect and the Secretary of Housing and 
     Urban Development shall distribute amounts made available for 
     such fiscal year for such program based on the results of the 
     competition for amounts made available for such program for 
     fiscal year 2019 (FR-6300--25), except that grant amounts may 
     be adjusted to account for changes in fair market rents.

     SEC. 202. EMERGENCY RENTAL ASSISTANCE VOUCHER PROGRAM.

       (a) Authorization of Appropriations.--There is authorized 
     to be appropriated to the Secretary of Housing and Urban 
     Development (in this section referred to as the 
     ``Secretary''), $1,000,000,000 for fiscal year 2020, to 
     remain available until expended, for incremental emergency 
     vouchers under subsection (b).
       (b) Emergency Vouchers.--
       (1) In general.--The Secretary shall provide emergency 
     rental assistance vouchers under this subsection, which shall 
     be tenant-based rental assistance under section 8(o) the 
     United States Housing Act of 1937 (42 U.S.C. 1437f(o)).
       (2) Selection of families.--
       (A) Mandatory preferences.--Each public housing agency 
     administering assistance under this section shall provide 
     preference for such assistance to eligible families that 
     are--
       (i) homeless (as such term is defined in section 103(a) of 
     the McKinney-Vento Homeless Assistance Act (42 U.S.C. 
     11302(a));
       (ii) at risk of homelessness (as such term is defined in 
     section 401 of the McKinney-Vento Homeless Assistance Act (42 
     U.S.C. 11360); or
       (iii) fleeing, or attempting to flee, domestic violence, 
     dating violence, sexual assault, or stalking.
       (B) Allocation.--In allocating amounts made available under 
     this section, the Secretary shall--
       (i) not later than 60 days after the date of the enactment 
     of this Act, allocate at least 50 percent of such amounts to 
     public housing agencies in accordance with a formula that 
     considers--

       (I) the capability of public housing agencies to promptly 
     use emergency vouchers provided under this section; and
       (II) the need for emergency vouchers provided under this 
     section in the geographical area, based on factors determined 
     by the Secretary, including risk of transmission of 
     coronavirus, high numbers or rates of sheltered and 
     unsheltered homelessness, and economic and housing market 
     conditions;

       (ii) allocate remaining amounts in accordance with a 
     formula that considers--

       (I) the criteria under clause (i) and the success of a 
     public housing agency in promptly utilizing vouchers awarded 
     under clause (i); and
       (II) the capability of the public housing agency to create 
     and manage structured partnerships with service providers for 
     the delivery of appropriate community-based services; and

       (iii) designate the number of vouchers under this section 
     that each public housing agency that is awarded funds under 
     this section is authorized to administer.
       (C) Election not to administer.--If a public housing agency 
     elects not to administer amounts under this section, the 
     Secretary shall award such amounts to other public housing 
     agencies according to the criteria in subparagraph (B).
       (D) Failure to use vouchers promptly.--If a public housing 
     agency fails to issue all of its authorized vouchers under 
     this section on behalf of eligible families within a 
     reasonable period of time as determined by the Secretary, the 
     Secretary shall reallocate any unissued vouchers and 
     associated funds to others public housing agencies according 
     to the criteria under subparagraph (B)(ii).
       (3) Waivers and alternative requirements.--Any waiver or 
     alternative requirement that the Secretary makes available to 
     all public housing agencies in connection with assistance 
     made available under the heading ``Tenant-Based Rental 
     Assistance'' in title XII of division B of the CARES Act 
     (Public Law 116-136; 134 Stat.601) shall apply to assistance 
     under this section until the expiration of such waiver or 
     alternative requirement.
       (4) Termination of vouchers upon turnover.--
       (A) In general.--A public housing agency may not reissue 
     any vouchers made available under this section when 
     assistance for the family initially assisted is terminated.
       (B) Reallocation.--Upon termination of assistance for one 
     or more families assisted by a public housing agency under 
     this section, the Secretary shall reallocate amounts that are 
     no longer needed by such public housing agency for assistance 
     under this section to another public housing agency for the 
     renewal of vouchers previously authorized under this section.

  The SPEAKER pro tempore. The bill shall be debatable for 1 hour, 
equally divided and controlled by the chair and ranking minority member 
of the Committee on Financial Services.
  The gentlewoman from California (Ms. Waters) and the gentleman from 
Michigan (Mr. Huizenga) each will control 30 minutes.
  The Chair recognizes the gentlewoman from California.


                             General Leave

  Ms. WATERS. Mr. Speaker, I ask unanimous consent that all Members 
have 5 legislative days within which to revise and extend their remarks 
on H.R. 7301 and to insert extraneous material thereon.
  The SPEAKER pro tempore. Is there objection to the request of the 
gentlewoman from California?
  There was no objection.

                              {time}  1415

  Ms. WATERS. Mr. Speaker, I yield myself such time as I may consume.
  Mr. Speaker, I rise in strong support of H.R. 7301, the Emergency 
Housing Protections and Relief Act of 2020.
  This bill includes several provisions that were included in the 
HEROES Act and independently led by a number of members of the 
Financial Services Committee. Some people hearing this bill won't 
understand what we are attempting to do here today. As I said, this was 
a part of the HEROES Act that passed this House, but we have been 
waiting on the Senate to take up the HEROES Act. They are not taking it 
up. They don't seem to care. They don't seem to understand that there 
are people out there who are going to be evicted, and so, we have 
pulled it out of the HEROES Act, and we are taking it up independently 
so that we can send a message to the Senate that we want this measure 
heard.
  So, we have a number of Members who have participated in putting this 
legislation together and who had independent bills to do so. That 
includes Representatives Lacy Clay, Denny Heck, David Scott, Chuy 
Garcia, Cindy Axne, Nydia Velazquez, Ayanna Pressley, Katie Porter, and 
Al Green.
  Mr. Speaker, America was facing an affordable housing crisis before 
this pandemic hit. With so many families struggling as a result of the 
pandemic, we are now on the precipice of an eviction and a homeless 
crisis like we have never seen in our lifetime.
  We can't wait any longer. We have got to move. The CARES Act was an 
important step towards providing relief, but more help is needed. We 
knew, for example, that an eviction moratorium without the provision of 
rental assistance would only delay disastrous outcomes as families 
would have to pay more than they could afford, a lump sum of 3 to 4 
months of unpaid rent at the expiration of the moratorium.
  This House followed through on providing several additional and 
targeted housing solutions when it passed the HEROES Act. 
Unfortunately, in the 45 days since the HEROES Act passed, there has 
been no action taken by either our Republican colleagues in the Senate 
or the Trump administration. This is simply unacceptable.
  As a matter of fact, someone said this morning, and I repeat, we have 
not heard one word, not one peep from this administration about rental 
assistance.
  We saw in the aftermath of the 2008 crisis what the consequences are 
when Congress acts too slowly: 10 million foreclosures, almost $17 
trillion in household wealth lost, increases in rates of homelessness 
all across the country. And we saw how communities of color were 
disproportionately hit with foreclosures and a corresponding loss of 
wealth after they had been targeted with predatory mortgage products.
  Today, there are over 2.5 million confirmed cases of COVID-19 in the 
United States and over 125,000 Americans have died. The Centers for 
Disease Control reported that as of June 20, hospitalization rates for 
COVID-19 are highest among Native, Black, and Latinx Americans. We also 
know that people of color account for the largest portion of the 
essential workers, have a higher incidence of preexisting health 
conditions, and that with these preexisting health conditions they 
have, they have limited access to healthcare, and have fewer 
opportunities to isolate because they cannot work from home.
  But I must emphasize that this pandemic did not create such 
disparities, it only exacerbated them, and I hope this pandemic has 
finally drawn widespread public attention to all of these disparities.
  Congress cannot fail again to quickly act as we did in the aftermath 
of the 2008 crisis. Since passage of the HEROES Act, our Nation's 
renters and homeowners have experienced renewed pressures.
  When June rent came due, one in three renters were unable to fully 
pay their rent.

[[Page H2654]]

  On June 14, the Mortgage Bankers Association reported that the number 
of homeowners in forbearance reached 4.2 million.
  Since passage of the HEROES Act, we have now experienced record days 
of both new positive coronavirus tests, including in Texas, Florida, 
Georgia and my State of California.
  And since the HEROES Act passed, over 11 million Americans have filed 
for unemployment insurance. There are now only 25 days left before the 
Federal eviction ban expires on July 25. When it does, many families 
who have been unable to pay their rent because of the COVID-19 pandemic 
will face eviction and the devastating consequences that evictions have 
on families, particularly children.
  Our committee heard testimony in January from one gentleman about 
what it was like when all of his belongings were put out on the 
sidewalk and he and his children were forced out of their home. He told 
us how he fell behind on rent while trying to obtain training for a 
higher paying job and how the sheriff banged on his door one morning 
while his 9-year-old son was getting ready for school. He described how 
he and his wife watched as all of their personal belongings were thrown 
on to the front lawn, including items with sentimental value like their 
wedding photos. He said, ``I remember the feeling that I'd failed. 
Failed as a husband and as a father to provide a place for my family.''
  Several landlords declined his rental applications after charging a 
nonreimbursable application fee, likely because they saw the eviction 
on his record, and he and his family stayed at motels that were even 
more costly than paying rent.
  Maya Angelou once wrote that: ``Home is a refuge not only from the 
world, but a refuge from my worries, my troubles, my concerns.'' And we 
know all too well what happens to families, and especially children, 
when their homes are forcibly taken from them.
  We cannot sit idly by. We must understand that an eviction can 
disrupt every aspect of a family's life, putting them at greater risk 
of job loss, homelessness, and gaps or other disruptions to a child's 
education.
  Housing instability can be particularly traumatic for young children 
and can have lifelong impacts. Studies show that children who avoid 
eviction due to a long-term housing subsidy have better educational 
achievement, obtain higher paying jobs as adults, and are less likely 
to become incarcerated. Many families with evictions on their records 
cannot find another home and fall into homelessness.

  So, again, we cannot sit idly by and let this eviction crisis cause 
irreparable harm to millions of families around the country. The bill 
before us today pulls out the key housing protection and relief 
provisions from the HEROES Act.
  Specifically, let me tell what you the bill does. It provides $100 
billion for an emergency rental assistance fund and $75 billion for a 
homeowners' assistance fund to ensure renters and homeowners can cover 
their housing expenses, including rent, mortgage payments, and utility 
bills.
  It extends and expands the eviction and foreclosure moratoria for all 
renters and homeowners, as well as provides additional forbearance 
relief.
  It provides $18 billion in funding for homeless assistance and other 
Federal housing assistance programs to ensure rents remain affordable 
and housing is maintained in a safe and decent condition.
  It creates a lending facility for mortgage servicers and rental 
property owners to help them finance their obligations and shortfalls 
in rent.
  It ensures robust, fair housing enforcement and housing counseling to 
protect all renters and homeowners.
  What happens next is up to us. Each of us in this Chamber knows the 
value of a place where we and our family come together, share a meal, 
and safely rest our heads. We also know that households of color still 
have not fully recovered from the 2008 crisis, and we know that they 
will continue to be disproportionately impacted if the pandemic causes 
the housing crisis to worsen.
  I, for one, refuse to do nothing while families suffer. This is an 
emergency, and it calls for the emergency response provided by this 
legislation.
  We can't wait. I strongly urge my colleagues to support this bill.
  Mr. Speaker, I reserve the balance of my time.
  Mr. HUIZENGA. Mr. Speaker, I rise in opposition to this bill, and I 
yield myself such time as I may consume.
  Mr. Speaker, this is the second time the House will vote on the 
provisions in this bill, and the Chair just laid that out. Every single 
one of these provisions was included in the so-called HEROES Act, a 
partisan attempt that we debated last month.
  Well, just like that $3 trillion grab bag, this bill will have no 
chance in the Senate. It will not be signed by the President. At the 
conclusion of this debate, we will be right back where we started.
  I say to my colleagues, why not try something new, try 
bipartisanship. It worked in the CARES Act and the other four COVID-19 
response bills that we had, and I tell you it could work here, as well.
  But rather than work across the aisle, the Democratic leadership, 
gave us no advance warning this bill would be debated on the House 
floor, and rather than work across the aisle, my colleagues jammed 
through the bill the day the Rules Committee held a meeting on five 
other bills.
  Moreover, the Rules Committee reported out a closed rule on this 
bill. Now, let's explain that to America what a closed bill or closed 
rule means. There are three types of rules:
  An ``open'' rule, meaning you can add any amendment that you want.
  A ``structured'' rule, which says, you know what, we are going to 
narrow those amendments to those areas that we think are most pertinent 
to the bill.
  And then a ``closed'' rule, which says you get nothing. You don't 
have any say in trying to change this or improve this bill. It doesn't 
matter. We don't want to hear from the minority. We don't even want to 
hear from our own Members what ideas they might have.
  So, notwithstanding there have been numerous concerns raised about 
this bill, there will be no opportunity to amend it. There will be no 
opportunity to strengthen it or to improve what is already, in my 
opinion, a bad bill.
  This outcome will only stifle debate. This outcome will only hurt the 
bill's chances for any type of actual success. But clearly that is not 
the goal here. It is an attempt to find another wedge issue to divide 
us.
  Nevertheless, I would like to emphasize that Republicans and I are 
committed to working together to support efforts that are targeted and 
effective in responding to this devastating pandemic. When we work 
together there is nothing that can stand in our way. The CARES Act is 
proof of that, as well as all the other response bills that we had.
  As I mentioned earlier, Congress acted swiftly back in March to pass 
the CARES Act. The CARES Act provided robust financial support to 
individuals and small businesses impacted by COVID-19. The CARES Act 
also increased funding for HUD, Housing and Urban Development, and its 
assisted housing programs by approximately 25 percent over its 
appropriated budget.
  For renters, the CARES Act provided critical protections through a 
Federal moratorium on evictions for residents from Federally assisted 
properties. This moratorium, which lasts through the summer, is in 
addition to any State or locally enacted eviction moratoria. I know 
that in Michigan, in my home State, there has been that moratoria, as 
well.
  For homeowners, the CARES Act created a new forbearance option for 
Federally backed borrowers directly or indirectly impacted by COVID-19 
financial hardship.
  What does ``forbearance'' mean? Forbearance means you don't have to 
pay that month; you can attach those payments at the end. You have a 
time out from having to go and pay your mortgage. Borrowers can 
automatically claim up to 1 year of payments protection penalty free.
  This historic relief has worked. In fact, it was negotiated out in a 
bipartisan manner. It has been stable and stabilized and has actually 
slightly declined nationwide forbearance rates as well as rent 
collections largely consistent with pre-COVID trends. This is proof 
that the CARES Act--a bipartisan bill that I think had four or maybe 
six total votes against it, some

[[Page H2655]]

from both parties--works. This is proof that bipartisanship and 
consensus approach has been the right one in the past, and it ought to 
be the right one now.

  Of course, we should never accept good enough. As an answer it comes 
to providing housing and economic security for our Nation's most 
vulnerable families. However, the bill today that we are considering, 
like the bill that we considered last month, goes in the opposite 
direction. Instead of following the CARES Act model to focus on those 
hit hardest by the pandemic, this bill simply plays politics. This bill 
dusts off an old Democratic grab bag wish list of policy goals 
predating and unrelated to COVID-19 under the guise of relief, all of 
which are nonstarters in the Senate, let's be clear.
  If we really want to start a real conversation about affordable 
housing in this country, let's start with the facts. The fact is that 
far too many large, high-cost metropolitan areas' local decisions and 
regulations have made the cost of housing in those areas too high for 
many hardworking families. We should not be rewarding these high-cost 
cities for decades of self-made mistakes with more taxpayer dollars. We 
should be looking at ways to support families, not cities and 
municipalities and housing authorities, but families to meet those 
challenges that this pandemic has forced upon them.
  Republicans have and will continue to support targeted and efficient 
aid that goes to those who are most in need. We support solutions for 
those that have been impacted by the pandemic that are, one, 
administered efficiently. That is a key. For you as a taxpayer I would 
assume you would want to have that.
  Two, targeted to those who need it most. That is the safety net we 
are trying to provide.
  And, three, include much-needed oversight.

                              {time}  1430

  This bill fails those tests.
  Let me give you one example of why this bill fails all parts of that 
test. Section 101 of the bill creates a new $100 billion--that is with 
a B--``emergency rental assistance'' grant program for individuals or 
families ``at risk of homelessness,'' a policy both sides certainly do 
and can support.
  But the bill takes the policy to the next level, making funding 
available to individuals making up to 120 percent not of the poverty 
level but of their area median income.
  So, what does that mean? That means that an individual living in San 
Francisco making $131,000 would qualify for a homelessness grant.
  Now, I am just a simple guy from the Midwest in Michigan, but making 
$131,000 a year qualifies you for a homelessness grant? Oh, by the way, 
what does that get you? $6,012 per month in rental assistance. $6,000 a 
month in rental assistance.
  This is not help; it is scandalous. And I don't understand how any of 
my colleagues could defend that.
  Well, additionally, this bill spends more than $119 billion--again, 
with a B--in new funding for HUD programs, new funding, yet the bill 
fails to include a single meaningful permanent reform to any of the HUD 
programs. Moreover, the bill fails to provide any oversight for that 
new funding.
  To that end, figuring out how HUD will spend a 240 percent increase 
in its budget is a critical element to ensuring that any new funding is 
helping real families who are in need, who are struggling and not 
getting just lost in some bureaucratic shuffle in Washington, D.C., or 
at some metropolis's housing authority.
  In fact, Chairwoman Waters said it best when talking about the CARES 
Act: ``Since taxpayers are footing the bill, all Americans deserve to 
examine any and all information related to the administration, 
disbursement, and utilization of these funds.''
  Boy, I wish I had the ability to put in an amendment to do just that, 
but we don't have that opportunity today. So, I agree. I agree with her 
on that, and we need to have that transparency.
  That is why Republicans stand ready to work together to find 
consensus on meaningful reforms and ways to help those households deal 
with the challenges of this awful pandemic.
  Mr. Speaker, I ask my colleagues to take a look at this. We know it 
is a recycled partisan bill. We know that it is not going to go 
anywhere in the Senate. We know that it is not going to be signed into 
law. Let's have a real conversation about the issues, not just pick 
another political football.
  Mr. Speaker, I reserve the balance of my time.
  Ms. WATERS. Mr. Speaker, I yield myself such time as I may consume.
  Mr. Speaker, the gentleman from Michigan (Mr. Huizenga) had an 
opportunity when this bill went through the House. It is over on the 
Senate side. If the Republicans want to do more negotiation, they know 
they have to take it up over there.
  I don't care how we get it, with this bill or with the one over 
there.
  Mr. Speaker, I yield 1 minute to the gentlewoman from New York (Mrs. 
Carolyn B. Maloney), the senior member of the Financial Services 
Committee and chair of the Committee on Oversight and Reform.
  Mrs. CAROLYN B. MALONEY of New York. Mr. Speaker, I thank the 
gentlewoman for yielding and for her leadership.
  Mr. Speaker, I rise today in support of H.R. 7301, the Emergency 
Housing Protections and Relief Act.
  Through no fault of their own, New Yorkers and Americans across this 
country are struggling to pay their rent or make mortgage payments. 
Even worse, people experiencing homelessness and survivors of domestic 
violence have seen their limited options for safety and shelter dwindle 
due to the pandemic's impact on social services.
  The bill is a bold and necessary step toward providing economic and 
housing relief for millions of Americans.
  It expands the eviction moratorium to protect all renters and the 
foreclosure moratorium to protect all homeowners. It creates a $100 
billion emergency rental assistance fund and provides nearly $13 
billion targeted money for homeless grants, housing choice vouchers for 
people experiencing homelessness, and survivors of domestic violence.
  Nobody should lose sleep about how they are going to keep a roof over 
their head while they are suffering through a pandemic.
  Mr. Speaker, I urge my colleagues on both sides of the aisle to 
support this necessary and important bill.
  Mr. HUIZENGA. Mr. Speaker, I yield 2 minutes to the gentleman from 
Wisconsin (Mr. Steil), a member of the Financial Services Committee.
  Mr. STEIL. Mr. Speaker, I thank my colleague from Michigan for 
yielding.
  I rise today in opposition to the act.
  The coronavirus pandemic has affected every community in our country. 
As this disease hit our shores, our economy has contracted 
dramatically. Businesses were forced to close; workers have been 
sidelined; and Americans are staying home.
  While we recognize the public health benefits of this strategy, the 
serious economic harm is very hard to ignore. Families are still 
worried about making ends meet, even as States have begun to reopen.
  With that in mind, I understand my colleagues' desire to do something 
to keep affected families in their homes. I remain committed to just 
that, helping families who are directly impacted by the coronavirus to 
stay in their homes and to stay in their apartments. But this bill 
fails on multiple fronts.
  At a time when our national deficits are rising, and our national 
debt now exceeds $26 trillion, my colleagues are proposing more than 
$194 billion in new spending. More than half of that, $119 billion, is 
earmarked for HUD, the Housing and Urban Development Department.
  This would triple HUD's 2020 budget. Importantly, it does it without 
implementing meaningful reforms to ensure accountability and 
transparency.
  The new spending comes on top of trillions of dollars in relief 
already provided in the form of expanded unemployment benefits and 
other types of economic relief.
  We have seen legislation come before us in the HEROES Act, a grab bag 
of liberal ideas. We now come back to the table with this.
  One of those ideas, which I think is important to highlight the 
impact that this will have in our community, is a resurrection of 
misguided ideas, long-term eviction moratoriums.
  Under the Emergency Housing Protections and Relief Act, the CARES

[[Page H2656]]

Act eviction moratorium now would be extended until June 25, 1 year 
from the date of enactment. This moratorium would apply to all renters 
regardless of whether or not they have been negatively impacted by the 
coronavirus.
  The SPEAKER pro tempore. The time of the gentleman has expired.
  Mr. HUIZENGA. Mr. Speaker, I yield an additional 1 minute to the 
gentleman.
  Mr. STEIL. Mr. Speaker, this moratorium would apply to all renters, 
not just those negatively impacted, through no fault of their own, due 
to the coronavirus, not just those living in buildings with mortgages 
backed by the Federal Government, but to everyone.
  In other words, if enacted, this bill would impose broad and 
unprecedented eviction moratoriums that would last for 15 months, 
without regard to the impact of the coronavirus.
  This would be very challenging for mom-and-pop landlords and very 
impactful negatively to our local economies. Property taxes have a 
higher priority on rent payments than mortgages, and an extension on 
the eviction moratorium, in particular, would hurt local governments 
trying to provide critical services that are in need right now.
  Especially in these challenging times, we should not pursue policies 
that increase stress for cash-strapped cities and towns.
  Again, I understand and share our desired goal to keep people in 
their homes. This bill just falls flat.
  Mr. Speaker, we have a responsibility to do that thoughtfully and in 
a targeted manner. Therefore, I urge my colleagues to oppose this 
legislation.
  Ms. WATERS. Mr. Speaker, I would like to remind all Members and the 
gentleman that Republicans don't care about debt as long as they are 
doing the spending; it is only when Democrats are helping Americans, 
even in a time of crisis. Remember, it was the President of the United 
States, Trump, who said he likes debt. I quote him. He said he likes 
debt.
  Mr. Speaker, I yield 1\1/2\ minutes to the gentlewoman from New York 
(Ms. Velazquez), the senior member of the Financial Services Committee 
and chair of the Committee on Small Business.
  Ms. VELAZQUEZ. Mr. Speaker, I rise in support of H.R. 7301. This 
important bill extends and expands critical tenant protections and 
authorizes key housing assistance that is vital to keeping our 
neighbors safely housed during this ongoing pandemic.
  Mr. Speaker, I especially want to thank Chair Waters for including 
language I wrote that will authorize additional funding for the Public 
Housing Operating Fund and the Section 8 program.
  The money we are providing today would allow public housing 
authorities to continue taking necessary steps to protect residents 
from the coronavirus.
  Importantly, this bill also extends the eviction and foreclosure 
moratoriums we created in the CARES Act for 1 year. Further, it expands 
those protections to all renters and homeowners.
  The bill helps subsidize monthly housing costs by creating a $100 
billion rental assistance fund and a $75 billion homeownership fund, 
crucial resources for those struggling with their monthly housing 
costs.
  Creation of these funds will also ensure that individuals and 
families will not face lump-sum obligations and payments when the 
moratoriums end.
  The urgency of the moment is upon us. We need this bill more than 
ever. The eviction moratorium provided for in the CARES Act is set to 
expire in late July.
  In New York City, tenants' fear of eviction by unscrupulous landlords 
is ever-present. It has been predicted we could see a wave of 50,000 
evictions in the city if we do not act fast.
  Mr. Speaker, I am proud to sponsor the bill. I urge its speedy 
adoption.
  Mr. HUIZENGA. Mr. Speaker, I yield 3 minutes to the gentleman from 
Tennessee (Mr. John W. Rose), a distinguished member of the Financial 
Services Committee.
  Mr. JOHN W. ROSE of Tennessee. Mr. Speaker, I thank Mr. Huizenga for 
yielding to me.
  Mr. Speaker, I rise today in opposition to H.R. 7301.
  The government shutdown of the economy due to COVID-19 created 
significant challenges for both renters and landlords. Folks, including 
back home in Tennessee's Sixth District, are having to make difficult 
decisions regarding their finances.
  The shock the economy received was the largest our generation has 
ever seen, and the Federal Government has taken unprecedented action to 
remediate the damage done to the economy.
  The CARES Act significantly increased funding for existing assisted 
housing programs at Housing and Urban Development and suspended 
evictions of residents from federally assisted properties for 120 days.
  CARES also provided direct relief through economic impact payments, 
expanded unemployment insurance, and the paycheck protection program to 
keep Americans on their feet and the doors of our Main Street 
businesses open. This aid has been successful in many cases in 
providing renters with the financial means to keep paying rent 
throughout this pandemic.
  Any further assistance should be administered efficiently, be 
targeted toward those who need it most, and include oversight.
  This legislation before us today, however, includes a massive 
spending increase that fails to put into place any substantive reforms.
  H.R. 7301 contains $119 billion in new HUD spending, tripling HUD's 
fiscal year 2020 appropriated budget for old and new programs, yet the 
bill does not include one provision holding the agency accountable on 
how that new money is spent. Moreover, every single provision included 
in H.R. 7301 was already included as part of the partisan HEROES Act 
and has no future in the United States Senate.
  It is our role to ensure that we are being prudent, and I believe we 
need to be smarter. More innovative solutions are needed than the 
legislation we are discussing today.
  Mr. Speaker, I will vote ``no'' on this legislation again, and I urge 
my fellow Members to do the same.

                              {time}  1445

  Ms. WATERS. Mr. Speaker, I yield 2 minutes to the gentleman from 
Missouri (Mr. Clay), chairman of the Subcommittee on Housing, Community 
Development and Insurance.
  Mr. CLAY. Mr. Speaker, I thank the chairwoman for yielding.
  Mr. Speaker, I rise in strong support of H.R. 7301.
  The COVID-19 global pandemic has resulted in an unprecedented 
economic decline that has greatly affected the health and well-being of 
the people I represent in St. Louis, Missouri, and millions of other 
Americans.
  As the Brookings Institution pointed out recently, the United States 
housing crisis is not new, because even before the coronavirus 
pandemic, 10 to 15 percent of households reported being housing 
insecure. With unemployment at all-time levels, the housing crisis is 
not just affecting those on the margins.
  I want my colleagues to step back and imagine being a Black person in 
St. Louis, Los Angeles, or Chicago and having to deal with all of the 
problems of a global pandemic on top of the usual unbridled racism that 
comes with being Black in America. It is mentally debilitating, but for 
Blacks in America, just another day in the office.
  I received a letter last week from Legal Services of Eastern 
Missouri, which states: ``Thousands of families have gone from 
stability to sudden loss of income, which threatens access to basic 
needs--food, housing, healthcare--and many who were already living on 
the economic margins are now in even more dire circumstances.''
  In short, the past 3 months have been a disaster for many Americans. 
Just when we see signs of things getting better, new statistics show an 
increase in forbearance requests. But today, we can help mitigate the 
harmful effects of the pandemic and help millions of Americans keep a 
roof over their head by voting for this act.
  Mr. HUIZENGA. Mr. Speaker, I reserve the balance of my time.
  Ms. WATERS. Mr. Speaker, I yield 2 minutes to the gentleman from 
Georgia (Mr.   David Scott), a senior member of the Financial Services 
Committee.
  Mr. DAVID SCOTT of Georgia. Mr. Speaker, I say to ladies and 
gentlemen

[[Page H2657]]

on the floor and people all across this Nation: If you listened to my 
Republican friends, you would think we are not in a crisis. We are in a 
terrible crisis.
  Just think, 42 million Americans that had jobs just 14 weeks ago no 
longer have those jobs. Their homes are on the verge of being 
foreclosed. They need our help.
  Yes, the gentleman from Michigan is right. We did pass this bill in 
the HEROES Act, but the Republican leader over there says: Let's pause.
  This is the wrong time for this Nation to pause. This is a crisis.
  And let me tell the gentleman something. It is a crisis in terms of 
health, but it is also a crisis in terms of our great economy going 
down and the great pillars of our economy: our homeownership, real 
estate values, and the security of our banking system. That is what is 
at stake here.
  So it makes sense for us to move. With 42 million Americans no longer 
working, they are not going to be able to pay for their mortgages. They 
are not going to be able to keep their water on, the electricity on, 
the utilities. They are coming due already.
  So I want to say to the gentleman that, when Senator McConnell says 
``put a pause on it,'' this Nation stands in horror when we see this 
epidemic already creating 42 million jobless people, but now burdening 
us with the revival of an additional thrust of this pandemic.
  Nothing is more important than showing the American people we care 
about them. And we can't tell them to keep in their homes if they don't 
have a home, I urge my Republican friends.
  The SPEAKER pro tempore. The time of the gentleman has expired.
  Ms. WATERS. Mr. Speaker, I have yielded to the gentleman extra time. 
His time has expired.


                         Parliamentary Inquiry

  Mr. HUIZENGA. Mr. Speaker, parliamentary inquiry.
  The SPEAKER pro tempore. The gentleman from Michigan will state his 
parliamentary inquiry.
  Mr. HUIZENGA. Mr. Speaker, there was not a granting on the front end 
of that. Will that time be counted against the majority's time?
  The SPEAKER pro tempore. The gentleman is correct.
  Mr. HUIZENGA. Mr. Speaker, I appreciate that.
  I just wanted to clarify and make sure that we are all on the same 
page.
  And I might add that I deeply respect my colleague and friend from 
Georgia, and we have worked on some issues.
  I will note that HUD has not been able to get the money out the door 
to those families that need the help with what they have already been 
given, and yet we are trying to put more into that pipeline.
  Mr. Speaker, I continue to reserve the balance of my time.
  Ms. WATERS. Mr. Speaker, I yield 2 minutes to the gentleman from 
Texas (Mr. Green), the chairman of the Subcommittee on Oversight and 
Investigations.
  Mr. GREEN of Texas. Mr. Speaker, I thank Chairwoman Waters. It is 
always an honor to serve under her leadership.
  I thank the gentlewoman greatly for including H.R. 6760 within this 
bill, H.R. 7301. I am grateful because the gentlewoman is imminently 
correct when she says that people can't wait. They can't wait because 
invidious discrimination still exists, and it is increasing.
  The National Fair Housing Alliance surveyed their members, their 
organizations, and here is what they found as it relates to the 
declared pandemic, declared on March 11, 2020.
  They found that 13 percent indicated that there is an increase in 
complaints related to sexual harassment, 16 percent related to domestic 
violence, an 8 percent increase related to national origin of Asian 
Americans and Pacific Islanders.
  But here is one that will really capture your attention. With 
reference to persons who have disabilities--didn't say that they were 
of a specific hue, nothing about their sex--those with disabilities, a 
45 percent increase in complaints. They need help. Yes, we can wait, 
but they can't, and we have to do something to help them.
  That is what this bill does. It affords additional money for 
enforcement of laws that already exist with reference to discrimination 
in housing.
  It also will give people an opportunity to get some additional 
education. Some people make mistakes, but we don't know that they are 
making mistakes until we give them an opportunity to be educated. So we 
will give them the opportunity.
  And finally, this: These complaints are increasing in part because of 
the incendiary, incitive comments made by the President when he uses 
terms related to the virus that relate to people, and there are some 
people who take these statements to extremes and they discriminate 
against people.
  So I am proud to support the legislation. I ask my colleagues to do 
so, because the people who are being discriminated against cannot wait.
  Mr. HUIZENGA. Mr. Speaker, may I inquire of the remaining time on 
both sides.
  The SPEAKER pro tempore. The gentleman from Michigan has 15 minutes 
remaining. The gentlewoman from California has 10\1/2\ minutes 
remaining.


                         Parliamentary Inquiry

  Mr. HUIZENGA. Mr. Speaker, parliamentary inquiry.
  The SPEAKER pro tempore. The gentleman from Michigan will state his 
parliamentary inquiry.
  Mr. HUIZENGA. Mr. Speaker, may I also inquire as to how much time was 
taken off of the last--for the previous speaker?
  The SPEAKER pro tempore. One additional minute was charged against 
the time of the gentlewoman from California.
  Mr. HUIZENGA. Mr. Speaker, I continue to reserve the balance of my 
time.
  Ms. WATERS. Mr. Speaker, I yield 2 minutes to the gentleman from 
Washington (Mr. Heck), a senior member of the Financial Services 
Committee and sponsor of the emergency rental assistance title of this 
bill.
  Mr. HECK. Mr. Speaker, I thank Chairwoman Waters. I rise in support 
of H.R. 7301, and I thank the chair for including my legislation, the 
Emergency Rental Assistance Act, in this bill.
  In 2 days, the rent comes due, and as we face historic levels of 
unemployment, far too many are going to come up short in their rent 
payment. Failure to address the rent crisis will have dire consequences 
for millions of Americans and for the housing ecosystem that fortifies 
our economy.
  Our legislation has 150 House sponsors and the endorsement of almost 
700 organizations, and it passed the House as a part of the HEROES Act. 
It provides $100 billion in rental assistance through the Emergency 
Solutions Grants program. It would change the lives of millions of 
tenants across the country who have been hit hard by the COVID-19 
crisis.
  Over 10 million families pay more than half of their incomes for 
rent. As job losses continue and eviction moratoriums expire, that is 
not going to improve. We must protect the housing ecosystem.
  Residential rent payments are $50 billion each month and represent a 
chain of payment between staff, maintenance, and contractors. As 
unemployment claims remain at historic highs, we can't afford to lose 
those jobs.
  This legislation is also for mom-and-pop landlords. Yes, they own 
more than half of the 20 million rental properties, and they can't 
afford a big rental income loss for a sustained period.
  If we do nothing to stop the spike in evictions, in homelessness, 
communities of color will be hardest hit. We need to be fighting 
systemic racism, not exacerbating it.
  So support this legislation. Keep Americans safely in their homes 
throughout the pandemic. Save the renters. Save the jobs. Save the 
housing ecosystem by voting ``yes'' on this measure.
  Mr. HUIZENGA. Mr. Speaker, I continue to reserve the balance of my 
time.
  Ms. WATERS. Mr. Speaker, I yield 2 minutes to the gentlewoman from 
Massachusetts (Ms. Pressley), a member of the Financial Services 
Committee.
  Ms. PRESSLEY. Mr. Speaker, I thank Madam Chair for her leadership at 
such a time as this.
  Two months ago, I stood before my colleagues in this Chamber sounding 
the alarms that, without immediate relief, millions in our communities 
would face housing instability and eviction.

[[Page H2658]]

  Today I rise once more to remind us all that, in only 2 days, the 
rent is due. In my district, Massachusetts Seventh, 30 percent of 
families have missed a rent payment during the pandemic--30 percent.
  Our families, in particular Black families, are on the edge of an 
eviction tsunami just as the renter protections put in place through 
the CARES Act are due to expire next month.
  A report released yesterday by City Life/Vida Urbana found that 78 
percent of all evictions filed in Boston before evictions were banned 
statewide were in census tracts where the majority of residents are 
people of color.
  This is an issue of racial, economic, and health justice.
  Housing is a critical determinant of public health, as evidenced by 
the disproportionately high infection rate amongst our neighbors 
experiencing homelessness. I am proud that this bill includes my Public 
Health Emergency Shelter Act and will provide more than $11 billion in 
funding for rapid rehousing and efforts to improve the health and 
safety of those experiencing homelessness.
  We must support this critical legislation and affirm our commitment 
to housing as a human right and housing as a form of justice.
  Mr. HUIZENGA. Mr. Speaker, I continue to reserve the balance of my 
time.
  Ms. WATERS. Mr. Speaker, I yield 2 minutes to the gentleman from 
Illinois (Mr. Garcia), a member of the Financial Services Committee.
  Mr. GARCIA of Illinois. Mr. Speaker, I thank Madam Chair for 
yielding.
  Mr. Speaker, I rise in support of the Emergency Housing Protections 
and Relief Act. This bill provides much-needed relief for renters and 
homeowners while more than 40 million people have filed for 
unemployment insurance and struggle to make ends meet.
  My constituents need the help. My district is a working-class, 
largely immigrant district, and many people have not qualified for any 
relief so far.

                              {time}  1500

  Families just down the street in the barrio where I live and have 
lived for 50 years are being forced to choose between paying rent and 
putting food on the table or between making the mortgage payment or 
buying prescription medicine. Families are staring down the barrel at 
yet another first-of-the-month difficult decision: Will my family have 
a place to live?
  Will we have food to eat?
  Where will we go?
  These are the very real questions that families are asking 
themselves.
  Mr. Speaker, we must act with urgency to protect families. This 
Emergency Housing Protections and Relief Act is a lifeline for 
communities like mine. It prohibits landlords from evicting tenants for 
failure to pay rent; it provides $100 billion of assistance to renters 
and $75 billion to homeowners to keep everyone in their homes; and it 
strengthens the mortgage forbearance protections.
  I know what a housing crisis looks like. During the last financial 
crisis, I saw my neighbors lose their homes. Without protections in 
place, economic recovery will be all but impossible. Congress must act 
now and pass H.R. 7301 to support our renters and homeowners.
  Mr. HUIZENGA. Mr. Speaker, I continue to reserve the balance of my 
time.
  Ms. WATERS. Mr. Speaker, I yield 1 minute to the gentlewoman from 
Oregon (Ms. Bonamici), who is a member of the Committee on Education 
and Labor.
  Ms. BONAMICI. Mr. Speaker, this week another month's rent or mortgage 
is due for millions of Americans who are out of work or barely making 
ends meet. Without swift action, many struggling Americans will soon 
face eviction or foreclosure.
  I rise in strong support of the Emergency Housing Protections and 
Relief Act to help desperate families maintain stability by providing 
additional financial support and expanding protections that were 
included in the bipartisan CARES Act.
  A family of five living in Sherwood, Oregon, wrote to me and said: 
``It feels cruel to be facing eviction during a pandemic that stripped 
our family of its only income.'' It feels cruel, because it is cruel. 
And thousands more families will face the same cruel reality unless the 
President and Senate join us in acting swiftly.
  Today, I led many of my colleagues in calling on HUD Secretary Carson 
to immediately extend protections for tenants in federally supported 
housing until the comprehensive solution before us today is signed into 
law.
  Mr. Speaker, I thank Chairwoman Waters for her leadership, and I urge 
all of my colleagues to support this important legislation.
  Mr. HUIZENGA. Mr. Speaker, I continue to reserve the balance of my 
time.
  Ms. WATERS. Mr. Speaker, I yield 30 seconds to the gentleman from 
Rhode Island (Mr. Cicilline), who is a member of the Committee on the 
Judiciary.
  Mr. CICILLINE. Mr. Speaker, during this pandemic millions of 
Americans have lost their jobs and are dangerously close to losing 
their homes. The relief this Congress provided has kept millions of 
Americans housed.
  We must continue to act.
  Thirty percent of renters are not able to pay their rent in June--one 
in three.
  We passed the HEROES Act to provide emergency relief for renters and 
homeowners who desperately need it, because everyone deserves a safe 
home, especially during a pandemic when being in our houses keeps us 
safe.
  The Senate has chosen not to act on the HEROES Act so we must pass 
the Emergency Housing Protections and Relief Act to ensure that 
millions of Americans remain in their housing until this pandemic ends 
and they are able to go back to work.
  At a time of a national crisis, I urge my colleagues to please put 
aside their partisan bickering and obstruction and pass the Emergency 
Housing Protections and Relief Act.
  Mr. HUIZENGA. Mr. Speaker, I do have an inquiry of the majority as to 
how many more speakers she may have.
  Mr. Speaker, may I inquire as to the time remaining on both sides.
  The SPEAKER pro tempore. The gentleman from Michigan has 15 minutes 
remaining. The gentlewoman from California has 4 minutes remaining.
  Mr. HUIZENGA. Madam Speaker, I reserve the balance of my time.
  Ms. WATERS. Mr. Speaker, I yield 45 seconds to the gentleman from New 
York (Mr. Espaillat), who is a member of the Foreign Affairs Committee.
  Mr. ESPAILLAT. Mr. Speaker, I thank Chairwoman Waters for her 
steadfast support of tenants. With close to 130,000 deaths that are 
COVID-19 related, 40 million unemployed, these are difficult times.
  But now we are facing a housing tsunami as millions of families go to 
sleep every night afraid and anxious of where they are going to get 
their rent money. The rent is too damn high.
  That is why Congressman Chuy Garcia and I introduced the STAY HOME 
Act of 2020 that provides billions of dollars of financial support for 
renters. This is a good bill that will provide $100 billion for 
renters, people who really don't know where they are getting their 
money to pay their rent. They want to keep a roof over their head. They 
don't want to be homeless. This is a critical time in America, and this 
bill will produce the moneys that we need to ensure that people are not 
homeless.
  Mr. HUIZENGA. Mr. Speaker, I continue to reserve the balance of my 
time.
  Ms. WATERS. Mr. Speaker, I would like to inquire, if I may, how much 
time do I have remaining?
  The SPEAKER pro tempore. The gentlewoman from California has 3\1/4\ 
minutes remaining.
  Ms. WATERS. Mr. Speaker, I yield 1 minute to the gentlewoman from 
California (Ms. Pelosi), who is the distinguished Speaker of the House 
of Representatives.
  Ms. PELOSI. Mr. Speaker, I thank the gentlewoman for yielding and for 
her exceptional leadership on behalf of America's working families. I 
especially salute her now for bringing the Emergency Housing 
Protections and Relief Act to the floor. It is urgently needed, and I 
rise in support of it because it is, as I said, an urgently needed 
lifeline for working families as COVID-19 exacts its devastating impact 
on millions of lives and livelihoods across America.
  I salute Chairwoman Maxine Waters, who, as the chair of the Financial 
Services Committee, is a relentless, persistent, and dissatisfied

[[Page H2659]]

force for good on behalf of America's working families, and she is 
especially focused on their financial security, housing being central 
to that.
  I thank Denny Heck for his leadership on this important legislation 
as well.
  As we know, Mr. Speaker, there had been an affordable housing crisis 
in America long before this pandemic which challenges the conscience of 
our country and now has been exacerbated by COVID-19.
  Before the crisis, one-quarter of America's 44 million renters paid 
over half their income on rent, putting them just one financial 
emergency away from eviction and homelessness. For many, COVID-19 is 
that one emergency.
  Tens of millions of Americans have lost jobs, with rental households 
disproportionately affected. We cannot accept a situation in which 
millions of families are forced to make the devastating choice between 
paying the rent or paying for groceries, prescriptions, and other 
essentials, but even before COVID that was the challenge.
  That is why earlier today we brought legislation to the floor to 
lower the cost of prescription drugs, because it had such an impact on 
the financial security of families, and now helping with the rent.
  Thirty percent of renters could not make rent in June, exposing them 
to the threat of eviction, particularly as eviction bans that Democrats 
secured in the CARES Act end. Evictions are devastating, dismantling 
financial security, and exposing children and families to situations of 
financial instability that harm their health and well-being.
  Children who experience evictions are already vulnerable. They are 
more likely to live in families earning low incomes, belong to 
communities of color which have a disproportionate impact here, and 
have more special education needs than children who don't face 
eviction.
  I say this issue carefully because when I was a girl, my father was 
the mayor of Baltimore and my mother as first lady had, as her mission, 
affordable housing. She said: How can we teach children love and 
respect when we don't even show them that love and respect by giving 
them a decent place to live?
  I was so proud because when she passed away many years after that, 
The Baltimore Sun used that statement in her obituary. But this has 
always been important.
  When we did our Summit on Children, talking about their health, their 
education, and their financial security, health leaders told us that we 
must include housing in that because it has such an impact on the 
psychological well-being of children. So think of the children when you 
think of this, Mr. Speaker.
  Again, in May, the House passed the HEROES Act, which secured $100 
billion in emergency assistance to help 44 million rental households 
remain stably housed, along with another $100 billion for additional 
housing support and homelessness prevention initiatives, all of this 
under the leadership of Madam Chair Maxine Waters.
  Again, she has been fighting this fight for a long time, reaching 
down into existing law and statute to find ways to take us forward.
  Yet after we passed the HEROES Act, Leader McConnell said that we had 
to take a pause--take a pause. The virus is not pausing, the rent 
demands are not pausing, and so we cannot pause. While McConnell is 
denying these families relief, the House will pass this bill to promote 
housing security.
  We continue to call on the Senate to pass the HEROES Act to secure 
lifesaving housing and homelessness prevention measures which include, 
as I said, the $100 billion, the $75 billion, and the $11.5 billion for 
assistance to people experiencing homelessness and for homelessness 
prevention, building on the $4 billion provided in the CARES Act. We 
need more now. It includes:
  The freezing of evictions and foreclosures, including expanding the 
moratorium in the CARES Act to cover all renters until March 2021.
  Rental assistance support for the most vulnerable in urban and rural 
areas, including seniors, persons with HIV/AIDS, people with 
disabilities, and people living in Tribes.
  I am so pleased that Madam Chair put the special rural housing 
initiative in here. It includes rural emergency vouchers to support 
people who are homeless or at risk of homelessness, including those 
fleeing domestic violence and assault.
  This COVID is a vicious and insidious virus. It is resourceful. It 
just is out there, and it attacks people, not only their lives, but 
their livelihood, their housing, their psychological well-being, and 
everything else. So there are other reasons we should be passing the 
HEROES Act, but right now I will stay focused on this.
  I thank Madam Chair also for having the provisions that relate to 
staving off foreclosures for those who will not be able to pay the 
mortgage.
  Mr. Speaker, I urge a strong bipartisan vote for the Emergency 
Housing Protections and Relief Act to safeguard America's housing and 
financial security during this time of crisis.
  Mr. Speaker, we are asking people to shelter in place, to shelter at 
home, and they should do that. But because of COVID they may be 
evicted, but not if Madam Chair Maxine Waters has her way. I urge a 
strong bipartisan vote for financial security for America's working 
families.

                              {time}  1515

  Mr. HUIZENGA. Mr. Speaker, I yield myself such time as I may consume.
  Mr. Speaker, let's not be Pollyannaish. The facts are facts. Yes, our 
economy, for the first time in ever--certainly, in the modern era--came 
to a screeching halt, not because of bad business decisions, not 
because of malicious or malfeasance or illegal activities, much like we 
saw in the 2008, 2009, 2010, 2011 financial crisis that started in 
housing.
  We don't know exactly where our recovery is going to go. We have 
gotten some good signs. But, again, we cannot be overly optimistic 
without being prepared. But facts are facts, and here is one fact: In 
April, we saw historic declines in new home purchases. I shouldn't say 
``new homes.'' These were contracts to purchase homes.
  In May, we saw a historic rebound of 44.3 percent. Why did that 
happen? Because in April, both buyers and sellers were sidelined by 
this pandemic. Why did we see this rebound in May? Because the American 
people have optimism, as well. That and basically zero interest rates 
from the Fed probably helped, too.
  But that is the point. We have been coming together to try to turn 
this economy around.
  Well, in this bill today, we are told that we can't wait. This bill 
can't wait. Yet, what you need to know is, this bill is not ready. And 
I will give you a perfect example of this.
  Page 71, section 105 of the bill that was debated in the Rules 
Committee that had been part of the original HEROES Act, the so-called 
HEROES Act, from a month ago, was part of my colleague from Iowa Mrs. 
Axne's standalone bill. It actually referenced a rural housing program 
as having $25 trillion, not $25 million as it had been intended, but 
$25 trillion in that.
  Clearly, this bill has been a cut-and-paste job all the way along. It 
was rushed when it was the HEROES Act, the so-called HEROES Act, 
because that was part of the grab bag that was out there. It was rushed 
when my colleague, Mrs. Axne, introduced it. It was rushed now in this 
bill.
  So, it does beg the question: What else got missed, Mr. Speaker?
  Well, here is what else: We are told that the money has run out. We 
have run out of the money that we have appropriated. What you need to 
know is that all the billions of dollars that were allocated have not 
yet been spent.
  But, wait, we are told that this was spent already, and it isn't 
enough. Well, what you need to know is that they want to create new 
programs to spend hundreds of billions of dollars with zero new reforms 
or oversight put into this bill. None. That is not responsible.
  While you were told that this bill is only going to go to the needy, 
the poor, the disenfranchised--after all, this is a homelessness 
program--what you need to know is they are going to send $6,000 per 
month--$6,000 per month--to someone making $131,000 in the Speaker's 
district--$131,000.
  That person qualifies for a homelessness program? I can tell you, not 
in

[[Page H2660]]

west Michigan. I can tell you, not virtually anywhere else in the 
country.
  I don't understand how my colleagues, with a straight face, can say 
that this is all about homelessness and all about helping those who 
have been disadvantaged and have not had a break in life. Well, 
$131,000 a year is a pretty darn good break in life, I think.
  Mr. Speaker, I wish I had an opportunity to amend this bill. I would 
have some amendments. I wish we were doing a modified rule. It would 
even allow some of those amendments. Yet, here we are today, no input 
from anybody other than what the Speaker's office and the chair's 
office had said is going to be in this bill.
  We are plowing ahead with a bill that we know will not see the light 
of day when it hits the Senate.
  By the way, I am a little confused when the chair early on admonished 
me and said I should go and negotiate with the Senate about the bill 
that had been passed previously.
  So, I say this a little tongue in cheek, but anybody who has watched 
``Schoolhouse Rock!'' knows the House passes their legislation; the 
Senate passes their legislation; and then it comes together, if we are 
going to negotiate it out, not in the middle of this process.
  Why not negotiate and amend the bill that is before us today, where 
it properly should be happening?
  Mr. Speaker, at the end of the day, this is a serious, serious issue 
for our country. I know this. My family has been in construction and in 
housing for now three--going on a fourth--generations. We have seen it. 
We have seen the ups and downs. My grandfather, my namesake, started in 
the Depression era. My dad continued it through the 1970s, through the 
1980s, into the 1990s. Then, I started getting involved. I have lived 
through a couple of economic downturns myself, trying to keep a family 
company afloat, trying to provide housing and jobs.
  Mr. Speaker, here is what we need to do, in my opinion. We need to 
negotiate in good faith. This bill is not an attempt to do that today. 
I am disappointed in that. I wish we could, but I think, once again, we 
are seeing politics triumphing over people. We are seeing political 
footballs take the place of real policy issues.
  When your objective is nothing but November, guess what? The American 
people lose. That is the shame in today's debate.
  Mr. Speaker, I urge my colleagues to vote ``no.'' I know that there 
are some people on the other side of the aisle who are a little 
uncomfortable with this bill but don't feel they can vote ``no.'' I 
wish they had the courage of their convictions. Today, I will be voting 
``no'' and encourage my colleagues as well.
  Mr. Speaker, I yield back the balance of my time.
  Ms. WATERS. Mr. Speaker, I yield myself such time as I may consume.
  Mr. Speaker, I come from a family of 13 children. We were poor. We 
lived in inadequate housing. It was cold in the wintertime, and the 
pipes froze on the inside of our house. In the summertime, it was too 
hot to be in the house. We sat on the stoop through the wee hours of 
the morning, trying to stay cool. But it was home.
  I worried that we were going to be evicted, but my mother managed to 
put together the money, and we never got evicted. But my neighbors and 
my friends, I saw evicted. Maybe my friends on the opposite side of the 
aisle have never seen this. They don't understand this.
  I have my friend from Michigan talking about a family that makes 
$131,000 per year. The Members of Congress make $175,000 a year, and we 
have Members of Congress who sleep free in this place, don't pay any 
rent when they are in Washington, D.C., and you have the audacity to 
come here and talk about denying assistance to people who are at the 
worst part of their lives to be evicted.
  No, I do not yield. This is an emergency. The hospitals are filling 
up. Children are hungry. People have lost their jobs.
  This is about whether or not people are going to have a place to lay 
their heads. This is about whether or not families are going to stay 
together. We have hospitals where the ICU rooms are all filled, and 
these people may be sick and not have a place to go home to.
  So, I am not about to wait. Yes, he mocked us when we said we can't 
wait any longer. No, we cannot wait any longer.
  Mr. Speaker, this is why I am in the Congress of the United States of 
America. This is why I came, for moments like this, to speak for the 
least of these, to speak for the poorest families in America, to speak 
for families when they need help.
  This is an emergency. Our families need help, and I cannot wait. You 
should not wait.
  Mr. Speaker, I yield back the balance of my time.
  Ms. MOORE. Mr. Speaker, I rise today in strong support of H.R. 7301, 
legislation to provide help to our renters, homeowners, and landlords 
who are at risk of becoming homeless. The bill would strengthen and 
renew critical protections to ensure that tens of millions of Americans 
can keep a roof over their heads. It also makes sure we can continue to 
get help to those who are already homeless.
  The economic shock created by COVID-19 is still ongoing. Now is not 
the time to relax the protections that Congress has put in place. When 
this health crisis escalated in March and the House first acted, no one 
could imagine the devastation that would befall our communities. Over 
120,000 Americans dead, more than 2 million infected. And the confirmed 
death and case counts remain on the rise. Our nation has experienced 14 
straight weeks of over 1 million unemployment weekly claims and 
national unemployment rates that have tripled. Many have lost jobs and 
the only thing keeping them in their homes is either a local, state, or 
federal moratorium or the kindness of landlords.
  We know we are engaged with a deadly foe that preys on the most 
vulnerable. Our new normal is not going away and our public policies 
need to respond to help the tens of millions of Americans who are now 
living on the edge, through no fault of their own.
  In my state of Wisconsin, according to media reports, we saw 
``eviction filings jumping 42 percent statewide in the first two weeks 
of June'' following the end of a statewide moratorium on such actions.
  The number of eviction filings will only worsen if we allow the 
federal moratorium, currently scheduled to lapse no later than July 25 
that affect federally subsidized housing and backed mortgages, to come 
to a sharp halt.
  The Trump Administration and Senate Majority Leader McConnell may be 
content to wait and watch as more and more Americans falter in these 
trying economic times, but we must not be so callous.
  This bill would extend the eviction moratorium to March 27, 2021. It 
would also extend it to help all renters and provide $100 billion for 
an emergency rental assistance fund that would help renters cover their 
rent and utility bills, including any unpaid bills.
  We also help homeowners by banning foreclosures for an additional 6 
months and creating a Homeowner Assistance Fund that would help with 
mortgage payments, property taxes, property insurance, and other 
housing related costs.
  The legislation also takes steps to help the homeless, who were 
already vulnerable before this pandemic. Strong funding for homeless 
assistance grants will help ensure that people experiencing 
homelessness are able to follow social distancing guidance and have 
access to necessary services to get them into permanent housing.
  This bill would also give $1 billion to for new Housing Choice 
Vouchers that would be targeted to people experiencing or at risk of 
homelessness and survivors of domestic violence. Because homelessness 
leads many people to cycle through costly emergency systems and 
shortens life expectancy, it is good public policy to put resources 
toward keeping people from becoming homeless in the first place and 
helping those who are homeless get stable housing.
  The middle of a pandemic is not the time to take away lifelines. 
Housing is crucially important. Let us act to help keep people homed 
and to support those experiencing homelessness.
  As I said on this floor nearly four years ago, ``The American people 
deserve a Congress and a President who will keep them in their houses 
and in their homes.''
  Ms. JACKSON LEE. Mr. Speaker, as a senior member of the Judiciary, 
Homeland Security, and Budget Committees, I rise in strong and 
enthusiastic support of H.R. 7301, the ``Emergency Housing Protections 
and Relief Act of 2020,'' which addresses the needs of renters and 
homeowners who have been severely impacted by the coronavirus pandemic 
through targeted relief measures.
  In the month of June alone, 32 percent of renters were unable to 
fully pay their rent while 20 percent of renters were unable to make 
any rent payment at all.
  According to the Mortgage Bankers Association, the number of 
homeowners in forbearance reached 4.2 million as of June 14, 2020.

[[Page H2661]]

  The coronavirus pandemic has created a dire housing crisis that must 
be addressed immediately.
  As more and more states across the country face a second wave of the 
coronavirus outbreak, it is imperative that we extend the eviction 
moratorium and other housing protections in an effort to prevent an 
increase in homelessness.
  Texas is one of those states.
  In the state alone, there are nearly 150,000 cases of coronavirus 
with over 2,300 deaths.
  As the number of cases continue to rise dramatically, we must 
encourage tighter restrictions to slow the spread of the disease.
  Yet, many people fear that abiding by tighter restrictions means a 
continued loss of income, which could then result in an inability to 
make a housing payment and consequently cause an eviction.
  In fact, in Houston, Texas, eviction proceedings resumed as early as 
May 19, 2020.
  Without an intervention from the Federal Government, we will soon see 
a dramatic spike in evictions and rates of homelessness.
  Mr. Speaker, I stand here in support of H.R. 7301 because it not only 
protects renters, but it also provides targeted solutions that help 
landlords, homeowners, and people experiencing homelessness during this 
pandemic.
  For example, it extends the eviction moratorium to March 27, 2021, 
and expands it to protect all renters.
  It also provides low cost loans for landlords through the Federal 
Reserve and expands forbearance protections for all landlords.
  Under H.R. 7301, $75 billion is invested in a Homeowner Assistance 
Fund that provides direct assistance to those who are struggling to pay 
their mortgage, property taxes, property insurance, and other housing-
related costs.
  The bill also allocates $11.5 billion for homeless assistance grants 
that ensure people who experiencing homelessness are able to follow 
social distancing guidance and have access to necessary services.
  Mr. Speaker, the coronavirus epidemic has irrevocably changed the 
world.
  It has affected every aspect of our lives, and, right now, it is 
affecting millions of Americans who are without an income and are 
terrified that they might not have a roof over their heads tomorrow.
  And so, I urge my colleagues on both sides of the aisle to vote in 
favor of H.R. 7301 and provide much-needed housing protections to those 
who have been severely impacted by the pandemic.
  Ms. JOHNSON of Texas. Mr. Speaker, today, I rise in support of H.R. 
7301, the Emergency Housing Protections and Relief Act of 2020. This 
bill directly addresses the needs of renters and homeowners who have 
been severely impacted by this novel corona virus pandemic. As the 
provisions of this bill were also included in the Heroes Act which 
passed the House last month, I am dedicated to continuing pushing for 
these critically needed federal resources to reach our hard-hit 
communities.
  As founder and co-chair of the Congressional Homelessness Caucus, I 
am proud of this effort to ensure that our most vulnerable constituents 
and families dealing with housing insecurity during COVID-19 are not 
forgotten. It is of utmost urgency that our communities are provided 
the resources needed to ensure that no individual faces homelessness 
due to the unprecedented societal and economic upheaval caused by this 
pandemic, as homelessness will only exacerbate the health-related 
dangers of this public health crisis.
  Specifically, I am pleased that the three funding requests made by 
the Congressional Homelessness Caucus during the stimulus discussions 
have also been included in H.R. 7301. This bill will authorize an 
additional $11.5 billion in Emergency Solutions Grants for assistance 
to the homelessness services providers serving our communities. 
Additionally, $1 billion will be directed into emergency housing 
vouchers to provide permanent housing for individuals experiencing 
homelessness. Finally, this bill includes $100 billion to establish an 
Emergency Rental Assistance program to counter any rise in housing 
insecurity linked to the economic turmoil of this public health crisis.
  The National Alliance to End Homelessness determined that during 
COVID-19, individuals experiencing homelessness are twice as likely to 
be hospitalized, two to four times as likely to require critical care, 
and two to three times as likely to die than the general population. It 
is our duty as representatives from each corner of this nation to 
prevent mounting housing instability and to care for our most 
vulnerable constituents. Therefore, I am proud to support the Emergency 
Housing Protections and Relief Act for the advancement of resources 
needed to address housing insecurity in our communities during this 
public health crisis.
  The SPEAKER pro tempore. All time for debate has expired.
  Pursuant to House Resolution 1017, the previous question is ordered 
on the bill.
  The question is on the engrossment and third reading of the bill.
  The bill was ordered to be engrossed and read a third time, and was 
read the third time.


                           Motion to Recommit

  Mr. HUIZENGA. Mr. Speaker, I have a motion to recommit at the desk.
  The SPEAKER pro tempore. Is the gentleman opposed to the bill?
  Mr. HUIZENGA. I am currently opposed to the bill.
  The SPEAKER pro tempore. The Clerk will report the motion to 
recommit.
  The Clerk read as follows:

       Mr. Huizenga moves to recommit the bill, H.R. 7301, to the 
     Committee on Financial Services with instructions to report 
     the same back to the House forthwith with the following 
     amendment:
       In section 101, strike subsection (k).
       In section 101(l)(1)(A), strike ``prohibition on 
     prerequisites,''.
       At the end of title II, add the following new section:

     SEC. 203. INCLUSION OF HOMELESS CHILDREN.

       Section 103(a) of the McKinney-Vento Homeless Assistance 
     Act (42 U.S.C. 11302(a)) is amended--
       (1) at the end of paragraph (5)(C), by striking ``and'';
       (2) at the end of paragraph (6)(C), by striking the period 
     and inserting ``; and''; and
       (3) by adding at the end the following new paragraph:
       ``(7) beginning upon the date of the enactment of this 
     paragraph, homeless children and youths (as such term is 
     defined in section 725 of the McKinney-Vento Homeless 
     Assistance Act (42 U.S.C. 11434a(2))), and the families 
     thereof.''.''.
       At the end of the bill, add the following new title:

         TITLE III--PROTECTING LOCAL COMMUNITIES AND TAXPAYERS

     SEC. 301. YES IN MY BACKYARD DEVELOPMENT LAND USE PLANS.

       (a) In General.--Section 104 of the Housing and Community 
     Development Act of 1974 (42 U.S.C. 5304) is amended by adding 
     at the end the following:
       ``(n) Plan To Track Discriminatory Land Use Policies.--
       ``(1) In general.--Prior to receipt in any fiscal year of a 
     grant from the Secretary under subsection (b), (d)(1), or 
     (d)(2)(B) of section 106, each recipient shall have prepared 
     and submitted, not less frequently than once during the 
     preceding 5-year period, in accordance with this subsection 
     and in such standardized form as the Secretary shall, by 
     regulation, prescribe, with respect to each land use policy 
     described in paragraph (2) that is applicable to the 
     jurisdiction served by the recipient, a description of--
       ``(A) whether the recipient has already adopted the policy 
     in the jurisdiction served by the recipient;
       ``(B) the plan of the recipient to implement the policy in 
     that jurisdiction; or
       ``(C) the ways in which adopting the policy will benefit 
     the jurisdiction.
       ``(2) Land use policies.--The policies described in this 
     paragraph are as follows:
       ``(A) Enacting high-density single-family and multifamily 
     zoning.
       ``(B) Expanding by-right multifamily zoned areas.
       ``(C) Allowing duplexes, triplexes, or fourplexes in areas 
     zoned primarily for single-family residential homes.
       ``(D) Allowing manufactured homes in areas zoned primarily 
     for single-family residential homes.
       ``(E) Allowing multifamily development in retail, office, 
     and light manufacturing zones.
       ``(F) Allowing single-room occupancy development wherever 
     multifamily housing is allowed.
       ``(G) Reducing minimum lot size.
       ``(H) Reducing the impact of historic preservation on 
     housing production and affordability.
       ``(I) Increasing the allowable floor area ratio in 
     multifamily housing areas.
       ``(J) Creating transit-oriented development zones.
       ``(K) Streamlining or shortening permitting processes and 
     timelines, including through one-stop and parallel-process 
     permitting.
       ``(L) Eliminating or reducing off-street parking 
     requirements.
       ``(M) Ensuring impact and utility investment fees 
     accurately reflect required infrastructure needs and related 
     impacts on housing affordability are otherwise mitigated.
       ``(N) Allowing prefabricated construction.
       ``(O) Reducing or eliminating minimum unit square footage 
     requirements.
       ``(P) Allowing the conversion of office units to 
     apartments.
       ``(Q) Allowing the subdivision of single-family homes into 
     duplexes.
       ``(R) Allowing accessory dwelling units, including detached 
     accessory dwelling units, on all lots with single-family 
     homes.
       ``(3) Effect of submission.--A submission under this 
     subsection shall not be binding with respect to the use or 
     distribution of amounts received under section 106.
       ``(4) Acceptance or nonacceptance of plan.--The acceptance 
     or nonacceptance of any plan submitted under this subsection 
     in which the information required under this subsection is 
     provided is not an endorsement or approval of the plan, 
     policies, or methodologies, or lack thereof.''.

[[Page H2662]]

       (b) Effective Date.--The requirements under subsection (n) 
     of section 104 of the Housing and Community Development Act 
     of 1974 (42 U.S.C. 5304), as added by subsection (a), shall--
       (1) take effect on the date that is 1 year after the date 
     of enactment of this Act; and
       (2) apply to recipients of a grant under subsection (b), 
     (d)(1), or (d)(2)(B) of section 106 of the Housing and 
     Community Development Act of 1974 (42 U.S.C. 5306) before, 
     on, and after such date.

     SEC. 302. LIMITATION.

       Notwithstanding any other provision of law, any individual 
     who is unlawfully present in the United States shall be 
     ineligible to receive any financial assistance provided under 
     this Act or any amendment made by this Act.

  Mr. HUIZENGA (during the reading). Mr. Speaker, I ask unanimous 
consent to dispense with the reading of the motion.
  The SPEAKER pro tempore. Is there objection to the request of the 
gentleman from Michigan?
  There was no objection.
  The SPEAKER pro tempore. Pursuant to the rule, the gentleman from 
Michigan is recognized for 5 minutes in support of his motion.
  Mr. HUIZENGA. Mr. Speaker, this motion to recommit would remedy some 
of the shortfalls in H.R. 7301 and would add some bipartisanship to 
this legislation. This motion only strengthens this legislation and 
increases the chance of this bill making it through the Senate and 
being signed into law.
  This amendment would simply add four provisions to the bill, each of 
which would reduce bureaucracy and increase oversight of these funds so 
that they reach the people who need them swiftly.
  First, this amendment would harmonize the definitions of homelessness 
between HUD and the Department of Education. For too long, HUD has 
failed to think of the children who lack a permanent and stable home, 
shifting funding away from this vulnerable population, who, as the 
Department of Education acknowledges, is, in practice and in fact, 
homeless. Our amendment permanently ends that disparate treatment of 
the kids and makes them fully eligible for the substantial increase in 
funding at HUD under this bill.
  Second, the amendment would include the bipartisan Yes in My Backyard 
Act, H.R. 4351, which passed the House by voice vote earlier this year. 
This provision would strengthen the oversight in this legislation and 
compel high-cost localities to consider the local regulations that have 
been put in place that increase housing costs and put increased rent 
and homeownership barriers on American families. Getting rid of these 
barriers would help cities all over America build more housing and 
lower costs for everyone.
  Third, this amendment would get rid of the bureaucratic red tape 
currently in the bill that prevents some of our most accomplished and 
successful housing and addiction treatment service providers from being 
eligible to receive funds. Why the majority would want to disqualify 
shelters and other housing service providers that make it their mission 
to treat individuals who are struggling with alcoholism or drug 
addiction makes no sense at all to me.
  Finally, this amendment would ensure that these funds would be 
directed to where they are needed: to the Nation's taxpayers and their 
dependents who are struggling right now. Basic common sense says that 
we should not be spending money on those who are unlawfully present in 
the United States at a time when millions of Americans and legal 
residents are out of work, overmatched with their bills, and fighting 
to do more with less.
  Combined, these provisions would help make a bad bill better and give 
greater accountability and focus to the nearly $200 billion in new, 
unpaid-for, untargeted, unaccounted-for spending in this bill.
  Mr. Speaker, I urge my colleagues to support this motion to recommit, 
and I yield back the balance of my time.
  Ms. WATERS. Mr. Speaker, I claim the time in opposition.
  The SPEAKER pro tempore. The gentlewoman from California is 
recognized for 5 minutes.
  Ms. WATERS. Mr. Speaker, I rise in opposition to the amendment 
offered by my Republican colleague to H.R. 7301.
  Mr. Speaker, the amendment before us does nothing to bring relief to 
struggling families. The amendment would deny millions of families, 
including children, assistance during a crisis because someone in their 
family is here without proper documentation. Racism, anti-immigrant 
policies hurt children the most.
  We are on the precipice of a housing crisis not seen since the Great 
Depression, a crisis that threatens to strip countless families of a 
home at a time when they are being asked to stay home. The House must 
take emergency action to respond and pass emergency legislation.

                              {time}  1530

  Over the weekend, States across the country, including my home of 
California, experienced the highest levels of infection since the 
pandemic began.
  On Sunday, Texas reported more than 5,000 cases for the sixth day in 
a row. Shortly after passage of the HEROES Act in May, Texas had 1,791 
COVID-19 patients in hospital beds; yesterday, there were 5,500.
  In California, hospitalizations have now increased by 32 percent, 
while ICUs have gone up 19 percent over the past 14 days.
  These trends are similar in Arizona, Georgia, and Florida, and many 
of these States are halting their plans to reopen the economy. On 
Friday, Texas closed down bars across the State and on Saturday warned 
residents in San Antonio and Bexar County that local hospitals were 
approaching capacity.
  Where exactly are COVID-19 patients expected to isolate when the 
hospitals fill up? We are not through with this pandemic, and recent 
trends suggest it is getting worse.
  Six weeks ago, this Chamber passed the HEROES Act, but the 
Republican-led Senate and Trump administration have done nothing to 
advance the bill. This is totally unacceptable.
  Fully one-third of renters were unable to pay their rent in June, and 
at least 4.2 million homeowners are now in forbearance. And we know 
evictions are already on the rise.
  In North Carolina, 9,000 eviction cases have been filed since this 
moratorium expired last week.
  In Columbus, Ohio, eviction hearings are taking place in a convention 
center to accommodate the number of cases and comply with social 
distancing guidelines.
  In Tennessee, more than 9,000 eviction cases are pending in one 
county alone.
  The Michigan State Court Administrative Office estimates 75,000 
evictions will be filed when its moratorium ends this month.
  I would like to share one story about someone this bill seeks to 
help. Deanna Brooks, a Navy veteran from Dallas, Texas, lost her job 
because of the pandemic. However, because her former employer was 
unresponsive, she had trouble collecting the needed documentation to 
collect unemployment or other assistance and was unable to pay rent, so 
her landlord filed for her to be evicted.
  She has no friends or family she can move in with and has been in and 
out of the hospital because she has a heart condition. She said: ``I'm 
scared. They'll throw everything I have outside on the street. I have 
nowhere to go.''
  In Delaware, Rhiannon Clark and her fiance were unable to pay their 
rent after Clark, who was a bartender, lost her job and her fiance fell 
ill with COVID-19 and couldn't go to work. Eventually, Clark and one of 
her two children also came down with the illness. Now her family faces 
eviction, even as they recover from COVID-19.
  Mr. Speaker, on Wednesday, rent and mortgages are due for millions of 
families. These are two stories. They are sad stories. I fear that this 
is going to be repeated a million times over if Congress fails to act.
  And so here we are, Members of Congress. We are comfortable. We can 
afford to pay our rent. We have millionaires in Congress. They can 
afford to pay the rent of a whole lot of people if they wanted to. And 
they are going to go home to their families. They are going to be safe, 
and they are going to be secure. And while they are in Washington, they 
don't pay any rent, many of them. They sleep in their offices at night. 
And yet they are talking about denying people rent who don't have 
another dime.
  Mr. Speaker, I yield back the balance of my time.
  The SPEAKER pro tempore. Without objection, the previous question is 
ordered on the motion to recommit.

[[Page H2663]]

  There was no objection.
  The SPEAKER pro tempore. The question is on the motion to recommit.
  The question was taken; and the Speaker pro tempore announced that 
the noes appeared to have it.
  Mr. HUIZENGA. Mr. Speaker, on that I demand the yeas and nays.
  The SPEAKER pro tempore. Pursuant to section 3 of House Resolution 
965, the yeas and nays are ordered.
  Pursuant to clause 8 of rule XX, further proceedings on this question 
will be postponed.

                          ____________________