DIVISION K - THE COVID-19 HERO ACT - THE COVID-19 HOUSING, ECONOMIC RELIEF, AND OVERSIGHT ACT OF 2020 - Section-by-Section

Aug 28, 2026

Uploaded by Angel

DIVISION K outlines the COVID-19 Housing, Economic Relief, and Oversight Act of 2020 through a section-by-section summary. It addresses emergency medical supplies for first responders and essential workers, expands eviction and foreclosure protections, and establishes large-scale rental and homeowner assistance funding. The act also provides measures for mortgage servicer liquidity, rural and public housing support, fair housing enforcement, and housing counseling services, alongside homelessness assistance and consumer credit reporting suspension with strengthened protections.

LanguageEnglish

CategoryResearch & Report

FormatPDF

Pages6

Reading Time15 min

AccessFree to download

Sec. 100001 - Short title; table of contents

Title I—Providing medical equipment for first responders and essential workers

Title II—Protecting renters and homeowners from evictions and foreclosures

Title III—Protecting people experiencing homelessness

Sec. 100301 - Homeless assistance funding

Sec. 100302 - Emergency rental assistance voucher program

Title IV—Suspending negative credit reporting and strengthening consumer protections

Sec. 100401 - Reporting of information during major disasters

DIVISION K: THE COVID–19 HERO ACT THE COVID–19 HOUSING, ECONOMIC RELIEF, AND OVERSIGHT ACT OF 2020 Section-by-Section Sec. 100001. Short title; table of contents. • Establishes the short title of the bill and provides a table of contents TITLE I—PROVIDING MEDICAL EQUIPMENT FOR FIRST RESPONDERSAND ESSENTIAL WORKERS Sec. 100101. COVID–19 Emergency Medical Supplies Enhancement. • This section would expand the use and oversight of Defense Production Act (DPA) authorities to: increase the production and supply of critical medical supplies and equipment, such as diagnostic tests and personal protection equipment; focus efforts on supply chain mobilization; decrease the disruption of critical deliveries to state and local governments; and require assessments for both immediate and longer term needs and plans to meet those needs, as well as requiring longer-term planning to ensure that the United States is better prepared for future pandemics. TITLE II—PROTECTING RENTERS AND HOMEOWNERS FROM EVICTIONSAND FORECLOSURES Sec. 100201. Emergency rental assistance. • This section would authorize $100 billion for an Emergency Rental Assistance program that would allocate funding to states, territories, counties, and cities to help renters pay their rent and utility bills during the COVID-19 pandemic, and help rental property owners of all sizes continue to cover their costs. Sec. 100202. Homeowner Assistance Fund. • This section provides $75 billion to states, territories, and tribes to address the ongoing needs of homeowners struggling to afford their housing due directly or indirectly to the impacts ofthe COVID-19 pandemic by providing direct assistance with mortgage payments, property taxes, property insurance, utilities, and other housing related costs. Sec. 100203. Protecting renters and homeowners from evictions and foreclosures. • This section extends and expands the eviction moratorium and foreclosure moratorium in the CARES Act to include all renters and homeowners, improves the forbearance provided under the CARES Act, and specifies the loan modifications and loss mitigation that should be available to homeowners following a moratorium to prevent any homeowner from facing a lump sum payment that they cannot afford. Sec. 100204. Liquidity for mortgage servicers and residential rental property owners. • This section would require the Federal Reserve facility established by Section 4003 of the CARES Act to be implemented for the benefit of mortgage servicers and residential rental property owners, contingent on compliance with certain reporting requirements and protections for borrowers and renters. Sec. 100205. Rural rental assistance. • This section would authorize $309 million in supplemental funding for USDA’s rental assistance programs, including $25 million for rural vouchers, to absorb reductions in tenant rent contributions and to provide rental assistance to unassisted households living in USDA subsidized properties who are struggling to pay rent during the COVID-19 pandemic. Sec. 100206. Funding for public housing and tenant-based rental assistance. • This section would authorize $2 billion for the public housing operating fund and $3 billion for the Housing Choice Voucher program, including $500 million for administrative fees, to help public housing authorities (PHAs) absorb reductions in tenant rent contributions and mitigate other costs associated with the COVID-19 pandemic. Sec. 100207. 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. • This section would authorize $500 million in funding for the HUD Section 202 Supportive Housing for the Elderly program to ensure sufficient staffing, services, and other resources for 3,500 senior and disabled resident communities during the COVID-19 pandemic. This section would also authori

FAQs

What does Title I require regarding COVID-19 medical supplies?

It expands the use and oversight of Defense Production Act authorities to increase production and supply of critical medical supplies, mobilize the supply chain, reduce delivery disruptions, and require assessments and long-term planning for future preparedness.

How does the act protect renters and homeowners from evictions and foreclosures?

It extends and expands the eviction and foreclosure moratorium from the CARES Act to cover all renters and homeowners, improves CARES Act forbearance, and specifies loan modifications and loss mitigation after a moratorium to prevent unaffordable lump-sum payments.

What consumer credit and disaster-related reporting changes does Title IV introduce?

It suspends negative consumer credit reporting during the COVID-19 pandemic and other declared major disasters for an additional 120 days, and restricts credit score furnishers from implementing new credit scoring models that would lower existing consumer credit scores during the pandemic.

Aug 28, 2026

Uploaded by Angel