Ensuring HOMES Act
Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.
Ensuring Homeowner and Occupant Monetary Encouragement and Stability Act or the Ensuring HOMES Act
This bill sets forth additional housing protections during the COVID-19 (i.e., coronavirus disease 2019) emergency period.
Mortgage holders and lenders are prohibited from requiring payment on a mortgage deferred during the COVID-19 emergency period until the later of (1) the last day of the loan term, or (2) the end of the deferral period.
The bill establishes the Tenant Protection Program that provides loans to landlords who waive rent during the COVID-19 emergency period. The bill also provides for forgiveness of these loans if the landlord provides lease extensions and agrees not to evict tenants.
This bill applies retroactively to the beginning of the COVID-19 emergency period and applies to any future declared COVID-19 emergency period.
Referred to the House Committee on Financial Services.
- Introduced in House Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). H.R. 152: Ensuring HOMES Act. 117th Congress. Open America. https://openamerica.io/bill/117-HR-152/
"H.R. 152: Ensuring HOMES Act." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-HR-152/.
H.R. 152, 117th Cong. (2026), https://openamerica.io/bill/117-HR-152/.
[H.R. 152: Ensuring HOMES Act](https://openamerica.io/bill/117-HR-152/)