H.R. 7301
IntroducedEmergency Housing Protections and Relief Act of 2020
Latest Action
Received in the Senate.
6/30/2020 • Senate
Summary
Emergency Housing Protections and Relief Act of 2020
This bill addresses various housing issues in response to the COVID-19 (i.e., coronavirus disease 2019) public health emergency, including housing assistance programs and moratoriums on evictions and foreclosures.
The bill authorizes additional housing assistance, including rental assistance, for (1) low-income individuals with families, including those who are homeless or at risk of homelessness; (2) the elderly; (3) individuals with disabilities; and (4) rural renters.
In addition, the bill establishes a 12-month moratorium on evictions covering all tenants, whereas the previously enacted moratorium covered only tenants of federally assisted properties.
Similarly, the bill establishes a 12-month moratorium on foreclosures that covers all tenants, whereas the previously enacted moratorium covered only federally backed mortgages.
The bill also establishes an automatic 60-day forbearance (i.e., suspension of mortgage payments) for a single-family mortgage that becomes delinquent by 60 days during the public health emergency. Under current law, the borrower must request a forbearance. This automatic forbearance also applies to certain reverse mortgages.
The bill extends the maximum period of forbearance for multifamily mortgages from 90 days to 12 months.
Additionally, the bill establishes a six-month moratorium on the repossession of personal property used as a dwelling.
The bill also provides additional bankruptcy protections by (1) increasing the homestead exemption (generally, the equity in a residence that is protected from creditors in a bankruptcy proceeding) from $15,000 to $100,000, and (2) expanding eligibility for Chapter 13 bankruptcy.
Passed House • 6/29/2020
Topics & Subjects
CBO Cost Estimates (1)
Congressional Votes (2)
On Passage
June 29, 2020
On Motion to Recommit with Instructions
June 29, 2020
Related Federal Spending
Sponsor & Cosponsors (10)
Party Breakdown
Sponsor
Cosponsors (9)
Bill Journey
Originated in the House
Introduced
June 24, 2020
Committee Review
June 24, 2020
Floor Debate
June 29, 2020
Passed Chamber
June 29, 2020
Other Chamber
June 30, 2020
President
Failed
June 29, 2020
Text Versions (3)
Related Bills (13)
H.Res. 1017
Providing for consideration of the bill (H.R. 51) to provide for the admission of the State of Washington, D.C. into the Union; providing for consideration of the bill (H.R. 1425) to amend the Patient Protection and Affordable Care Act to provide for a Improve Health Insurance Affordability Fund to provide for certain reinsurance payments to lower premiums in the individual health insurance market; providing for consideration of the bill (H.R. 5332) to amend the Fair Credit Reporting Act to ensure that consumer reporting agencies are providing fair and accurate information reporting in consumer reports, and for other purposes; providing for consideration of the bill (H.R. 7120) to hold law enforcement accountable for misconduct in court, improve transparency through data collection, and reform police training and policies; providing for consideration of the bill (H.R. 7301) to prevent evictions, foreclosures, and unsafe housing conditions resulting from the COVID-19 pandemic, and for other purposes; providing for consideration of the joint resolution (H.J. Res. 90) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to Community Reinvestment Act Regulations; and for other purposes.
H.R. 6800
The Heroes Act
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Public Health Emergency Shelter Act of 2020
H.R. 6704
Coronavirus Housing Counseling Improvement Act of 2020
H.R. 6724
Public Health Emergency Shelter Act of 2020
H.R. 6729
COVID-19 Homeowner Assistance Fund Act of 2020
H.R. 6820
Emergency Rental Assistance and Rental Market Stabilization Act of 2020
H.R. 6859
Public Housing and Section 8 Operational Response Act for COVID-19
H.R. 7084
Emergency Housing Voucher Act of 2020
S. 3685
Emergency Rental Assistance and Rental Market Stabilization Act of 2020
H.R. 6736
Protect Rural Renters Act of 2020
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Coronavirus Housing Counseling Improvement Act
S. 4164
Emergency Housing Voucher Act of 2020