That it is the sense of Congress that— (1) financial institutions and other entities, such as landlords, consumer reporting agencies and companies engaged in the production of consumer scores, should help consumers affected by any shutdown of the Federal Government, including the shutdown that began on December 22, 2018; (2) even with the recent conclusion of the shutdown, the period of recovery has just begun and the negative impact the shutdown is having on millions of consumers and the U.S. economy is significant; for example, analysis from S&P Global Ratings estimates that the U.S. economy has already lost more than $6 billion as of January 25, 2019, and if the shutdown were to resume in a few weeks, the analysis suggests there would be a further reduction of real Gross Domestic Product by $1.2 billion each week the government is shutdown; (3) financial institutions and other companies, such as consumer reporting agencies and companies engaged in the production of consumer scores, should provide opportunities for consumers affected by any shutdown—including Federal employees, government contractors, small businesses, and other individuals—who are or will be facing financial distress to easily contact and alert them of their situation immediately; (4) affected consumers may face financial hardship and emotional distress in making timely payments on their debts, such as mortgages, student loans, car loans, credit cards, and other debt, as well as paying for rent, food, transportation, school and other basic necessities, due to the temporary delay or permanent loss of their income; (5) to provide quick relief to their affected customers or tenants, financial institutions and other entities, such as landlords, respectively, should for the duration of any shutdown, as well as for a reasonable period of time following a shutdown, consider waiving or reducing penalty, late payment, and similar fees; ceasing evictions and foreclosures; and providing forbearance