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Mortgage Payment Relief for Federal Workers During Government Shutdowns

This law grants federal employees and certain contractors the right to request a 90-day mortgage forbearance on federally backed loans during and after a government shutdown. The goal is to protect their financial and housing stability when they are not receiving pay. Crucially, lenders cannot demand a lump-sum repayment of missed installments after the forbearance ends, and credit status is protected.
Key points
Federal employees affected by a government shutdown can request 90 days of mortgage forbearance on federally backed loans.
Lenders are prohibited from charging extra fees or interest and cannot require a lump-sum payment of missed installments after the forbearance period.
Credit protection: The loan must be reported as current, safeguarding the borrower's credit history during the relief period.
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_S_3156
Sponsor: Sen. Alsobrooks, Angela D. [D-MD]
Process start date: 2025-11-07
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash-preview-09-2025
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Federal Worker Mortgage Forbearance Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_S_3156.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2025-11-07.

What are the main provisions?

Key points include:

  • Federal employees affected by a government shutdown can request 90 days of mortgage forbearance on federally backed loans.
  • Lenders are prohibited from charging extra fees or interest and cannot require a lump-sum payment of missed installments after the forbearance period.
  • Credit protection: The loan must be reported as current, safeguarding the borrower's credit history during the relief period.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Sen. Alsobrooks, Angela D. [D-MD].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-23.

CATEGORIES

Real Estate Labor Benefits