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Financial Protections and Assistance for America’s Consumers, States, Businesses, and Vulnerable Populations Act

Introduced: March 23, 2020 Introduced by: Waters, Maxine Democratic · California See on congress.gov
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This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 23, 2020
Referred to the Committee on Financial Services, and in addition to the Committees on Ways and Means, Education and Labor, Small Business, the Judiciary, and Agriculture, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Mar 23, 2020
Introduced in House
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 Plain-English summary Congressional Research Service

Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act

This bill responds to the COVID-19 (i.e., coronavirus disease 2019) emergency and generally provides for financial assistance and other aid to individuals, businesses, and state and local governments for the duration of the emergency period. Among other things, the bill

  • provides direct payments to individuals of up to $2,000 a month, subject to limits based on adjusted gross income;
  • establishes digital wallets for individuals without bank accounts to receive such payments;
  • provides for the suspension of specified housing and consumer loan payments, evictions, and foreclosures;
  • creates financial assistance programs regarding housing, student loans, and utilities;
  • establishes credit programs for small businesses, nonprofit organizations, farms, independent contractors, minority depository institutions, and community development financial institutions;
  • authorizes funds for housing assistance, elderly assistance, and emergency production of medical supplies; and
  • provides for investigation, oversight, and other requirements regarding COVID-19 aid.

The bill also modifies existing provisions, including those regarding

  • deposit insurance for transaction accounts,
  • Federal Reserve Board purchases of municipal bonds,
  • stock buybacks,
  • required disclosures by issuers of securities,
  • international aid programs, and
  • agency guidance concerning pandemics and major disasters.
What's happening now March 23, 2020

Referred to the Committee on Financial Services, and in addition to the Committees on Ways and Means, Education and Labor, Small Business, the Judiciary, and Agriculture, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

 Related & companion bills 19
  • S 3508 Related bill Disaster Protection for Workers’ Credit Act of 2020
  • HR 5322 Related bill Ensuring Diversity in Community Banking Act
  • HR 6380 Related bill To temporarily provide for Federal insurance of transaction accounts during the COVID-19 emergency.
  • HR 6375 Related bill To amend the Securities Exchange Act of 1934 to require issuers to make disclosures related to supply chain disruption …
  • HR 4029 Related bill Tribal Access to Homeless Assistance Act
  • HR 6319 Related bill To establish a Congressional COVID-19 Aid Oversight Panel, to authorize the Special Inspector General for the Troubled …
  • HR 6330 Related bill Coronavirus Housing Counseling Support Act
  • HR 6331 Related bill To require the Board of Governors of the Federal Reserve System to establish a credit facility to provide loans to smal…
  • HR 6340 Related bill To provide for mortgage forbearance during the COVID-19 emergency, and for other purposes.
  • HR 6350 Related bill Financial Literacy Education Commission Emergency Response Act
  • HR 6360 Related bill To establish requirements on accelerated filers receiving Federal aid related to COVID-19, to establish requirements on…
  • HR 6378 Related bill Interagency Pandemic Guidance for Consumers Act
  • HR 6379 Related bill Workforce Emergency Response Act of 2020
  • HR 6381 Related bill To require the Board of Governors of the Federal Reserve System to provide zero-interest loans to minority depository i…
  • S 2282 Related bill Tribal Access to Homeless Assistance Act of 2019
  • HR 6369 Related bill To waive certain requirements with respect to in-person appraisals, and for other purposes.
  • HR 6326 Related bill COVID-19 Emergency Housing Relief Act of 2020
  • HR 6373 Related bill To increase the amount available under the Defense Production Act of 1950 to respond to the coronavirus epidemic, and f…
  • HR 6724 Related bill Public Health Emergency Shelter Act of 2020
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 6
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APA
U.S. Congress. (2026). H.R. 6321: Financial Protections and Assistance for America’s Consumers, States, Businesses, and Vulnerable Populations Act. 116th Congress. Open America. https://openamerica.io/bill/116-HR-6321/
MLA
"H.R. 6321: Financial Protections and Assistance for America’s Consumers, States, Businesses, and Vulnerable Populations Act." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-6321/.
Bluebook (legal)
H.R. 6321, 116th Cong. (2026), https://openamerica.io/bill/116-HR-6321/.
Markdown link
[H.R. 6321: Financial Protections and Assistance for America’s Consumers, States, Businesses, and Vulnerable Populations Act](https://openamerica.io/bill/116-HR-6321/)
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