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H.R. 6321 116th Congress House

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

Official title: To provide financial protections and assistance for America's consumers, States, businesses, and vulnerable populations during the COVID-19 emergency and to recover from the emergency.

Introduced: March 23, 2020 Introduced by: Maxine Waters Democratic · California See on congress.gov
Finance and Financial Sector Administrative law and regulatory proceduresAdvisory bodiesAfricaAgricultural prices, subsidies, credit
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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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 Latest action 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.

 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.
 Related & companion bills 39
  • HR 6760 Fair Housing Further Enforcement Emergency Act of 2020
  • HR 6778 _______ Act of 2020
  • HR 6806 COVID-19 Emergency Housing Relief Act of 2020
  • HR 6374 Ensuring Affordable Housing Security During the Coronavirus Emergency Act of 2020
  • HR 6316 Emergency Relief for Student Borrowers Act of 2020
  • HR 6328 Emergency Relief for State, Territorial and Local Governments Act of 2020
  • HR 6332 Relief for Consumers During COVID–19 Act of 2020
  • HR 6333 To establish a Small Business Financial Assistance Program to support small businesses during the COVID-19 emergency, a…
  • HR 6339 To temporarily ban stock buybacks until the impact of COVID-19 on the American financial system has ended.
  • HR 6347 Rental Eviction Moratorium Act of 2020
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  • HR 6348 To fully implement the Initiative to Build Growth Equity Funds for Minority Businesses, and for other purposes.
  • HR 6358 To authorize supplemental appropriations for fiscal year 2020 for community development block grants, and for other pur…
  • HR 6361 Relief for Small Businesses and Nonprofits Act
  • HR 6366 To permit, due to the COVID-19 emergency, Federal financial regulators to allow for the temporary waiver of requirement…
  • HR 6368 State Housing Relief Act of 2020
  • HR 6370 Disaster Protection for Workers’ Credit Act
  • HR 6371 To amend the Securities Exchange Act of 1934 to require issuers to disclose risks related to global pandemics, and for …
  • HR 6382 Fair Housing Enforcement Emergency Act of 2020
  • HR 6387 To correct technical omissions relating to international financial cooperation, and for other purposes.
  • HR 6423 To provide for a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes.
  • S 3508 Disaster Protection for Workers’ Credit Act of 2020
  • HR 5322 Ensuring Diversity in Community Banking Act
  • HR 6380 To temporarily provide for Federal insurance of transaction accounts during the COVID-19 emergency.
  • HR 6375 To amend the Securities Exchange Act of 1934 to require issuers to make disclosures related to supply chain disruption …
  • HR 4029 Tribal Access to Homeless Assistance Act
  • HR 6319 To establish a Congressional COVID-19 Aid Oversight Panel, to authorize the Special Inspector General for the Troubled …
  • HR 6330 Coronavirus Housing Counseling Support Act
  • HR 6331 To require the Board of Governors of the Federal Reserve System to establish a credit facility to provide loans to smal…
  • HR 6340 To provide for mortgage forbearance during the COVID-19 emergency, and for other purposes.
  • HR 6350 Financial Literacy Education Commission Emergency Response Act
  • HR 6360 To establish requirements on accelerated filers receiving Federal aid related to COVID-19, to establish requirements on…
  • HR 6378 Interagency Pandemic Guidance for Consumers Act
  • HR 6379 Workforce Emergency Response Act of 2020
  • HR 6381 To require the Board of Governors of the Federal Reserve System to provide zero-interest loans to minority depository i…
  • S 2282 Tribal Access to Homeless Assistance Act of 2019
  • HR 6369 To waive certain requirements with respect to in-person appraisals, and for other purposes.
  • HR 6326 COVID-19 Emergency Housing Relief Act of 2020
  • HR 6373 To increase the amount available under the Defense Production Act of 1950 to respond to the coronavirus epidemic, and f…
  • HR 6724 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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