; and (2) the term major disaster has the meaning given the term in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ). (b) Requirement Not later than 15 days after the date on which the President declares a major disaster under section 401 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5170 ), or not later than 15 days after a state of emergency is declared by a Governor of a State for all or part of that State, the appropriate Federal banking agencies and the Bureau of Consumer Financial Protection shall issue guidance to depository institutions located in the area for which the President declared the major disaster or the Governor declared a state of emergency, as applicable, for reducing regulatory burdens for borrowers and communities in order to facilitate recovery from the major disaster. (c) Contents Guidance issued under subsection (b) shall include instructions from the appropriate Federal banking agency or the Bureau of Consumer Financial Protection, as applicable, regarding— (1) extending repayment terms, adjusting existing loans, and easing terms for new loans, in accordance with prudent banking practices that involve appropriate monitoring; (2) providing relief from reporting and publishing requirements, including by accepting delayed filing and publishing of reports by depository institutions in areas affected by the major disaster or covered by the state of emergency, as applicable; (3) taking appropriate actions to stabilize investments in local government projects affected by the major disaster or covered by the state of emergency, as applicable; (4) promoting awareness of the eligibility of depository institutions for loans or investments made in areas affected by the major disaster or covered by the state of emergency, as applicable, under the Community Reinvestment Act of 1977 ( 12 U.S.C. 2901 et seq.)