[20200414]IN11334_冠状病毒援助、救济和经济安全（CARES）法案中的抵押条款.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i Mortgage Provisions in the Coronavirus Aid, Relief, and Economic Security (CARES) Act Katie Jones Analyst in Housing Policy Andrew P. Scott Analyst in Financial Economics April 14, 2020 The COVID-19 pandemic has had wide-ranging impacts. With many households experiencing income disruptions, some may have difficulty making their mortgage or rent payments on their homes. An inability of tenants to pay rent can, in turn, impact the ability of landlords to remain current on any mortgage on the rental property. On March 27, 2020, the President signed the CARES Act (P.L. 116-136) into law. Among many other provisions, it includes some intended to provide temporary relief for certain affected mortgage borrowers: Section 4022 provides for forbearance and a foreclosure moratorium for federally backed single-family mortgages. Section 4023 provides for forbearance for federally backed multifamily mortgages. The CARES Act also includes a temporary moratorium on eviction filings for tenants in certain properties (Section 4024), discussed in CRS Insight IN11320, CARES Act Eviction Moratorium. Forbearance generally refe