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Code · BILL · 117th Congress · H.R. 1847 (Introduced in House) — To suspend obligations of residential renters and mortgagors to make payments during the COVID–19 emergency, and for... · Sec. 3

Sec. 3. Forgiveness of residential rent and mortgage debt

299 words·~1 min read·/bill/117/hr/1847/ih/section-3

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Notwithstanding any other provision of law, all debt for unpaid residential rent arrears for a covered rental dwelling unit that accrued from March 13, 2020, through April 1, 2022, is hereby forgiven. To the extent that any State or local law or decision of any State or local court or arbitral body conflicts with paragraph (1), it is preempted and shall have no force or effect. Receipt of forgiveness of residential rent debt pursuant to paragraph
(1)shall not be reported to any consumer reporting agency nor shall receipt of such forgiveness adversely affect the credit score of any tenant or member of a tenant household. Notwithstanding any other provision of law, all debt for unpaid residential mortgage arrears under a covered residential mortgage loan that accrued from March 13, 2020, through April 1, 2022, is hereby forgiven. By consequence of the forgiveness required under paragraph (1), forgiven mortgage debt shall be reduced from mortgagors’ interest and principal balances, as applicable. To the extent that any State or local law or decision of any State or local court or arbitral bodies conflicts with paragraph (1), it is preempted and shall have no force or effect. Receipt of forgiveness of residential rent debt pursuant to paragraph
(1)shall not be reported to any consumer reporting agency nor shall receipt of such forgiveness adversely affect the credit score of a mortgagor. The Secretary of Housing and Urban Development shall establish and carry out a system to notify all tenants of covered rental dwelling units, including tenants described in section 8(1)(B)(ii), and all mortgagors under covered residential mortgage loans, of the forgiveness under paragraph
(1)of subsections
(a)and
(b)of debt for unpaid residential rent and mortgage arrears, respectively, and of their right to pursue legal action pursuant to section 4.
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