Federal Worker Mortgage Forbearance Act

This bill would let federal employees, and certain federal contractors, who are not receiving their regular pay during a government shutdown ask for a pause (forbearance) on payments for a federally backed home mortgage. The mortgage servicer would have to grant a 90-day pause, regardless of whether the loan is behind, if the person states they face financial hardship because of the shutdown. During the pause, no extra fees, penalties, or interest could be added, and the borrower could not be required to repay the missed payments in one lump sum afterward. Lenders would have to report the loan as current to credit bureaus (or keep any earlier delinquent status), and the bill would apply as if it took effect on September 30, 2025.

Full text and official record on Congress.gov

Sponsors

• Angela D. Alsobrooks Democrat sponsor
• 3 cosponsors