To suspend the enforcement of certain civil liabilities of Federal employees and contractors during a lapse in appropriations, or during a breach of the statutory debt limit, and for other purposes.
Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.
Summary
What This Bill Does
This bill creates comprehensive financial protections for federal employees and contractors who are furloughed or required to work without pay during government shutdowns or debt ceiling crises. It allows affected workers to seek court orders to temporarily delay payments on mortgages, rent, student loans, taxes, and other financial obligations.
Who Benefits and How
Federal employees and government contractors benefit significantly by gaining legal protections against evictions, foreclosures, and loan defaults during shutdowns. Lenders and landlords cannot take adverse actions against these workers without court approval, and credit reporting agencies cannot negatively report on affected workers solely due to shutdown-related payment issues.
Who Bears the Burden and How
Landlords, mortgage lenders, student loan servicers, and other creditors face restrictions on their ability to collect payments or take enforcement actions during shutdown periods. They must wait for court orders before proceeding with evictions, foreclosures, or collections, potentially delaying their cash flow and increasing administrative costs.
Key Provisions
- Federal workers can apply to courts for temporary stays on rent, mortgage, tax, and loan payments during shutdowns
- Landlords cannot evict federal workers and lenders cannot foreclose without court orders during covered periods
- Student loans cannot be placed in default and interest stops accruing during shutdowns
- Federal income tax collection is deferred up to 90 days after shutdown ends without penalties or interest
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers.
At a Glance
What This Bill Does
Suspends enforcement of civil liabilities and provides financial protections for federal employees and contractors during government shutdowns or debt limit breaches
Key Policy Areas
Federal Workforce, Consumer Protection, Housing, Financial Services, Tax Policy
Primary Purpose
Suspends enforcement of civil liabilities and provides financial protections for federal employees and contractors during government shutdowns or debt limit breaches
Policy Domains
Federal Worker Protection Act
Identified Gains
Contextual inference, no direct clause citation- Federal government employees
- Government contractors and their employees
- Federal workers with mortgages or student loans
Contextual inference, no direct clause citation
Identified Costs
Contextual inference, no direct clause citation- Landlords of federal workers
- Mortgage lenders
- Student loan servicers
- Insurance companies
Contextual inference, no direct clause citation
Sponsors
Legislative Progress
IntroducedMr. Boyle of Pennsylvania (for himself, Ms. Randall, Ms. Moore …
Stakeholder Effects
cui bono?How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.
Department of Justice, Federal government agencies, Federal government employees
Positive-direction: Federal government employees, Federal workers, Federal workers affected by shutdowns, Federal workers aggrieved by violations, Federal workers facing financial obligations, Federal workers using shutdown relief, Federal workers who rent housing, Federal workers with mortgages, Federal workers with student loans, Government contractors and their employees
Negative-direction: Department of Justice, Federal government agencies, Internal Revenue Service
Auto lenders, Banks holding residential mortgages, Creditors and lenders
Landlords and property managers, Property management companies, Residential landlords
Entities that violate federal worker protections
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
- "covered_period"
- → Period from shutdown start to 30 days after shutdown ends
- "federal_worker"
- → Employee of a Government agency or contractor
- "government_agency"
- → Any authority of the executive, legislative, or judicial branch
Key Definitions
Terms defined in this bill
The period beginning on the date on which a shutdown begins and ending on the date that is 30 days after the date on which that shutdown ends
An employee of a Government agency, including an employee of a contractor
Any period in which there is more than a 24-hour lapse in appropriations for any Government agency or the debt of the United States exceeds the statutory limit
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology