Ensuring HOMES Act

Referred to the House Committee on Financial Services.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Jan 4, 2021

Ensuring Homeowner and Occupant Monetary Encouragement and Stability Act or the Ensuring HOMES Act

This bill sets forth additional housing protections during the COVID-19 (i.e., coronavirus disease 2019) emergency period.

Mortgage holders and lenders are prohibited from requiring payment on a mortgage deferred during the COVID-19 emergency period until the later of (1) the last day of the loan term, or (2) the end of the deferral period.

The bill establishes the Tenant Protection Program that provides loans to landlords who waive rent during the COVID-19 emergency period. The bill also provides for forgiveness of these loans if the landlord provides lease extensions and agrees not to evict tenants.

This bill applies retroactively to the beginning of the COVID-19 emergency period and applies to any future declared COVID-19 emergency period.

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People & committees

Who introduced it

Rep. Rush, Bobby L. [D-IL-1] · D–IL

Committees

Financial Services Committee

17 cosponsorship records, including any withdrawals

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

Jan 4, 2021
Referred to the House Committee on Financial Services.
Jan 4, 2021
Introduced in House
Jan 4, 2021
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Jan 4, 2021 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

HR 6492 · Ensuring HOMES Act

Source last updated: Jan 3, 2025. Consult Congress.gov for the current record.

AI Conversation Starters

Explore the bill from different angles

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Neutral evidence review

Objective

Analyze H.R.152 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Discuss H.R.152, 117th Congress: Ensuring HOMES Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/152

Text version to examine: Introduced in House · 2021-01-04.

Official full text: https://www.congress.gov/117/bills/hr152/BILLS-117hr152ih.htm

Imported record last updated by the source: 2025-01-03T03:44:13Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.152 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.R.152 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

View full prompt & sources

Discuss H.R.152, 117th Congress: Ensuring HOMES Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/152

Text version to examine: Introduced in House · 2021-01-04.

Official full text: https://www.congress.gov/117/bills/hr152/BILLS-117hr152ih.htm

Imported record last updated by the source: 2025-01-03T03:44:13Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.152 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.R.152 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

View full prompt & sources

Discuss H.R.152, 117th Congress: Ensuring HOMES Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/152

Text version to examine: Introduced in House · 2021-01-04.

Official full text: https://www.congress.gov/117/bills/hr152/BILLS-117hr152ih.htm

Imported record last updated by the source: 2025-01-03T03:44:13Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.152 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.152 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.152, 117th Congress: Ensuring HOMES Act

Official record: https://www.congress.gov/bill/117th-congress/house-bill/152

Text version to examine: Introduced in House · 2021-01-04.

Official full text: https://www.congress.gov/117/bills/hr152/BILLS-117hr152ih.htm

Imported record last updated by the source: 2025-01-03T03:44:13Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.152 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.