; (2) in paragraph (10)(C), by striking the period at the end and inserting ; or ; and (3) by inserting after paragraph (10) the following: (11) payments made under Federal law relating to the national emergency declared by the President under the National Emergencies Act ( 50 U.S.C. 1601 et seq.) with respect to the coronavirus disease 2019 (COVID–19). . (b) Protection Against Discriminatory Treatment of Homeowners in Bankruptcy Section 525 of title 11, United States Code, is amended by adding at the end the following: (d) A person may not be denied any forbearance, assistance, or loan modification relief made available to borrowers by a mortgage creditor or servicer because the person is or has been a debtor, or has received a discharge, in a case under this title. . (c) Increasing the Homestead Exemption Section 522 of title 11, United States Code, is amended— (1) in subsection (d)(1), by striking $15,000 and inserting $100,000 ; and (2) by adding at the end the following: (r) Notwithstanding any other provision of applicable nonbankruptcy law, a debtor in any State may exempt from property of the estate the property described in subsection (d)(1) not to exceed the value in subsection (d)(1) if the exemption for such property permitted by applicable nonbankruptcy law is lower than that amount. . (d) Effect of Missed Mortgage Payments on Discharge Section 1328 of title 11, United States Code, is amended by adding at the end the following: (i) A debtor shall not be denied a discharge under this section because, as of the date of discharge, the debtor did not make 6 or fewer payments directly to the holder of a debt secured by real property. (j) Notwithstanding subsections (a) and (b), upon the debtor’s request, the court shall grant a discharge of all debts provided for in the plan that are dischargeable under subsection (a) if the debtor— (1) has made payments under a confirmed plan for at least 1 year