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HR 6413 116th Congress House Finance and Financial Sector Cardiovascular and respiratory health Consumer credit Emergency medical services and trauma care Infectious and parasitic diseases

Coronavirus Credit Lapse Forgiveness Act

Introduced: March 27, 2020 Introduced by: Murphy, Gregory F. Republican · North Carolina 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 27, 2020
Referred to the House Committee on Financial Services.
Mar 27, 2020
Introduced in House
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 Plain-English summary Congressional Research Service

Coronavirus Credit Lapse Forgiveness Act

This bill generally prohibits credit reporting agencies from reporting adverse information regarding debt (1) arising from a COVID-19 (i.e., coronavirus disease 2019) related illness, and (2) incurred within one year of enactment of this bill. This prohibition applies to debt incurred by individuals earning less than $50,000 a year, or a married couple filing jointly earning less than $75,000 a year.

What's happening now March 27, 2020

Referred to the House Committee on Financial Services.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 6413: Coronavirus Credit Lapse Forgiveness Act. 116th Congress. Open America. https://openamerica.io/bill/116-HR-6413/
MLA
"H.R. 6413: Coronavirus Credit Lapse Forgiveness Act." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-6413/.
Bluebook (legal)
H.R. 6413, 116th Cong. (2026), https://openamerica.io/bill/116-HR-6413/.
Markdown link
[H.R. 6413: Coronavirus Credit Lapse Forgiveness Act](https://openamerica.io/bill/116-HR-6413/)
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