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HR 7796 116th Congress House Finance and Financial Sector Alternative dispute resolution, mediation, arbitration Cardiovascular and respiratory health Consumer credit Debt collection Emergency medical services and trauma care Government lending and loan guarantees Infectious and parasitic diseases Interest, dividends, interest rates Landlord and tenant Public utilities and utility rates Wages and earnings

Consumer Relief during COVID–19 Act

Introduced: July 27, 2020 Introduced by: Beatty, Joyce Democratic · Ohio 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
Jul 27, 2020
Referred to the House Committee on Financial Services.
Jul 27, 2020
Introduced in House
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 Plain-English summary Congressional Research Service

Consumer Relief during COVID-19 Act

This bill places restrictions on the collection of consumer debts during the COVID-19 (i.e., coronavirus disease 2019) emergency period and for 120 days after this period. Among other things, debt collectors may not during this period

  • enforce a security interest through a repossession,
  • seize assets,
  • commence or continue an eviction,
  • terminate utility service, or
  • charge fees or apply a higher interest rate as a result of nonpayment.

After this period, debt collectors must provide certain repayment options including extending the repayment period for debts.

The bill also provides for forbearance programs established by creditors for consumers experiencing a financial hardship due to COVID-19. The Federal Reserve Board must establish a credit facility to make long-term, low-cost loans to these creditors for losses caused by any forbearance of payments.

What's happening now July 27, 2020

Referred to the House Committee on Financial Services.

 Related & companion bills 1
  • HR 6800 Related bill The Heroes Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 1
All 1 Democratic 1
D
Waters, Maxine
California · Jul 27, 2020
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 7796: Consumer Relief during COVID–19 Act. 116th Congress. Open America. https://openamerica.io/bill/116-HR-7796/
MLA
"H.R. 7796: Consumer Relief during COVID–19 Act." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-7796/.
Bluebook (legal)
H.R. 7796, 116th Cong. (2026), https://openamerica.io/bill/116-HR-7796/.
Markdown link
[H.R. 7796: Consumer Relief during COVID–19 Act](https://openamerica.io/bill/116-HR-7796/)
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