# 119-s-3156: Federal Worker Mortgage Forbearance Act

119-s-3156, Federal Worker Mortgage Forbearance Act, is a 119th Congress bill sponsored by Sen. Alsobrooks, Angela D. [D-MD] (D-MD); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-3156
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-3156
- Congress: 119
- Title: Federal Worker Mortgage Forbearance Act
- Status: introduced
- Introduced: 2025-11-07
- Sponsor: Sen. Alsobrooks, Angela D. [D-MD] (D-MD)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Creates temporary forbearance rights for federally backed mortgage borrowers during federal funding lapses.** It would let eligible federal employees, certain contractors, and emergency workers pause mortgage payments and avoid extra fees while a lapse and a short aftermath persist. - Covered individuals include federal employees, excepted employees, emergency workers, and contractors who stop work and are not paid basic pay. Borrowers can request forbearance by affirming hardship, servicers must grant 90 days, and the covered period runs from the lapse until 180 days after it ends. - During forbearance no fees, penalties, or additional interest may accrue beyond what would have occurred with timely payments. After forbearance servicers may not demand a lump-sum payment and the measure specifies that forbearance is not loan forgiveness. - The bill adds an "accommodation" reporting category to the Fair Credit Reporting Act so furnishers report covered loans as current or maintain delinquency, with an exception for charged-off accounts. It creates criminal penalties for false statements, requires agencies to notify eligible people within 10 days of a lapse, and is written to be effective retroactively to Sept. 30, 2025.

## Cosponsors (3)

- Sen. Van Hollen, Chris [D-MD] (D-MD), 2025-11-07T00:00:00.000Z
- Sen. Kaine, Tim [D-VA] (D-VA), 2025-11-07T00:00:00.000Z
- Sen. Warner, Mark R. [D-VA] (D-VA), 2025-11-07T00:00:00.000Z

## Provisions PRIA read

- 90-Day Mortgage Pause for Federal Workers: benefit, medium. If enacted, covered federal employees and some contractors could request a 90-day mortgage forbearance during a lapse in appropriations. You would need to submit a request to your servicer and say the lapse caused financial hardship. During the pause, servicers could not add fees, penalties, or ext…
- Credit Reporting for Forbearance Accommodations: benefit, low. If enacted, furnishers would have to report accounts under a forbearance accommodation either as current when payments are made or not required, or keep prior delinquency but update to current if you bring the account current during the accommodation. The rule would not apply to charged-off account…

## Related bills

- 119-s-4949: Water Resources Development Act of 2026
- 119-s-2763: Keep Billionaires Out of Social Security Act
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026
- 119-s-2982: Federal Employees Civil Relief Act
- 119-s-1503: Equality Act

## Sources
- [119-s-3156 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/3156)

## Related
- [119-s-4949: Water Resources Development Act of 2026](https://policyrisk.com/legislation/119-s-4949)
- [119-s-2763: Keep Billionaires Out of Social Security Act](https://policyrisk.com/legislation/119-s-2763)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [119-s-2982: Federal Employees Civil Relief Act](https://policyrisk.com/legislation/119-s-2982)
- [119-s-1503: Equality Act](https://policyrisk.com/legislation/119-s-1503)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-3156 (as of 2026-04-21).