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H.R. 6741: COVID–19 Mortgage Relief Act

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H.R. 6741: COVID–19 Mortgage Relief Act

116th Congress · introduced 2020-05-08 · Housing and Community Development · Latest: Referred to the Committee on Financial Services, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

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Follow this bill, step by step

  1. Where it came from: introduced 2020-05-08 · official record
  2. Who proposed it: Rep. Clay, Wm. Lacy [D-MO-1] · what a sponsor is
  3. What happened next: no floor votes in our records yet. Why?
  4. Where it stands now: Referred to the Committee on Financial Services, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. Not final yet: this can still change. We check for updates every day.
  5. If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

COVID–19 Mortgage Relief Act

Plain summary

COVID-19 Mortgage Relief Act This bill extends protections for renters and mortgage borrowers provided in response to the COVID-19 (i.e., coronavirus disease 2019) emergency, revises bankruptcy provisions, and expands COVID-19 aid programs to include mortgage servicers. Mortgage forbearance may be extended to borrowers for up to 12 months. Currently, borrowers may receive 180 days of forbearance, with an extension of up to an additional 180 days. The bill also expands the forbearance provisions to apply to nonfederally backed mortgages. The bill expands the current moratorium on evictions of renters from property receiving a forbearance to generally protect all such renters, not only renters in federally assisted housing or property that has a federally backed mortgage. The current moratorium on mortgage foreclosures is extended from 60 days beginning on March 18, 2020, to 6 months after enactment of this bill. The bill also expands this moratorium to include nonfederally backed mortgages. Additionally, the bill generally revises bankruptcy provisions. COVID-19 aid is excluded from property subject to bankruptcy proceedings and the homestead exemption available to individual debtors is increased, among other protections. Existing COVID-19 economic aid programs are expanded to include mortgage servicers. The Department of the Treasury must allow mortgage servicers to participate in these programs to receive loans, loan guarantees, and other investments currently offered to eligible businesses, states, and municipalities.

Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

COVID–19 Mortgage Relief Act

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

Arguments for (supporters)

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Alternatives

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How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Clay, Wm. Lacy [D-MO-1] · 37 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Maxine Waters (D-CA), Eleanor Holmes Norton (D-DC), Al Green (D-TX), Stephen F. Lynch (D-MA), Jesús G. "Chuy" García (D-IL), Adam Smith (D-WA), Jahana Hayes (D-CT), Ro Khanna (D-CA), Adriano Espaillat (D-NY), Brad Sherman (D-CA), André Carson (D-IN), Janice D. Schakowsky (D-IL), Gregory W. Meeks (D-NY), Steve Cohen (D-TN), Judy Chu (D-CA), Darren Soto (D-FL), Yvette D. Clarke (D-NY), Bennie G. Thompson (D-MS), Jimmy Gomez (D-CA), Danny K. Davis (D-IL), Bonnie Watson Coleman (D-NJ), Mark DeSaulnier (D-CA)

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Words on this page, explained (2)
Bill
A proposed law. It becomes law only if it passes the legislature and is signed by the president or governor (or a veto is overridden).
Homestead exemption
A homestead is the home you own and live in as your main residence. A homestead exemption removes part of its value from property tax, so tax is charged on a smaller amount. Texas school districts must offer one; other local governments may offer more. In Florida, the Constitution currently sets a homestead exemption of up to $50,000 (the second $25,000 does not apply to school taxes).

Plain meanings written from linked sources. All words.

Sources

Record fed-us-cong116-hr6741 · catalog fed-us-congress-bills-cong116 · updated 2026-11-15 by psicol fed-bills-cong116