[20201207]IN11550_新冠病毒-19：大流行期间的消费者债务减免.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i COVID-19: Consumer Debt Relief During the Pandemic December 7, 2020 The Coronavirus Disease 2019 (COVID-19) pandemic has had a large and persistent economic impact across the United States. Fear of infection, social distancing, and stay-at-home orders prompted business closures and a severe decline in demand for restaurants and travel, among other industries. Consequently, many Americans have lost income and faced financial hardship. Survey results suggest that since March 2020, about half of all U.S. adults live in households that have lost some employment income. This Insight focuses on legislative and regulatory responses related to the financial services industry for consumers who may have trouble paying their bills. It also discusses recent developments and the future outlook in consumer credit markets. Consumer Loan Forbearance Many consumers having trouble paying their bills during the COVID-19 pandemic have received loan forbearance. Loan forbearance plans are agreements between borrowers and lenders that allow borrowers to reduce or suspend payments for a short period of time. Forbearance plans d