The Federal Worker Mortgage Forbearance Act allows federal employees and certain contractors to pause mortgage payments on federally backed loans when the government experiences a lapse in appropriations (shutdown). Affected workers can request a 90-day forbearance period simply by submitting a request to their mortgage servicer and confirming financial hardship from the shutdown, without needing to prove they're behind on payments. During forbearance, no additional interest, fees, or penalties can accumulate beyond what's normally scheduled, and lenders cannot require a lump-sum payment to catch up after the forbearance ends. The law also protects borrowers' credit reports by requiring lenders to report accounts as current if payments are made during forbearance or weren't required. The bill applies retroactively to September 30, 2025, and covers a 180-day period following the end of any appropriations lapse.
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