Summary

This legislation allows borrowers who are struggling to pay their mortgages due to the COVID-19 crisis to forbear on their mortgage payments for up to 180 days, with the payments to be added to the end of the term of the loan. The lenders would not be allowed to report this forbearance as late payments to credit rating agencies and after the forbearance period, the lenders will be required to work with the borrowers to maintain pre-forbearance monthly payments or initiate a loan modification. The lender also shall not initiate foreclosure proceedings until at least 90 days after the emergency declaration is rescinded.

Summary

This legislation makes changes to state disability regulations that have fallen behind federal standards in the past decade. The bill addresses these shortfalls by including an additional member of the disability advocacy community on the board. Importantly, the legislation extends the AAB’s regulatory authority to employee areas of public buildings. It also expands their authority to spaces around buildings (parking lots, sidewalks) and aligns the definition of “public building” with ADA regulations.