[20210111]IN11318_《关怀法案》（P.L.116-136) 旨在帮助银行和信用合作社的规定.pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i The CARES Act (P.L. 116-136): Provisions Designed to Help Banks and Credit Unions Updated January 11, 2021 The economic effects of the coronavirus (COVID-19) pandemic may cause numerous borrowers to miss loan repayments, potentially leading to distress at banks and credit unions. Because of the importance of those institutions to the economy, regulators have implemented “safety and soundness” regulations, including lending, capital, and liquidity rules. Regulators also require the institutions to report financial information. As part of Congresss response to COVID-19, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act; P.L. 116-136) includes four sections4011, 4012, 4013, and 4014that temporarily relax some of the regulations banks face. Section 4016 expands access to the Central Liquidity Facility (CLF), which is a liquidity facility for credit unions that is administered by at the National Credit Union Administration. This Insight examines those sections. For descriptions of all sections of Title IV of the CARES Act, see CRS Report R46301, Title IV Provisions of the CARES Act (P.L. 116-13