1. Short title This Act may be cited as the Rent and Mortgage Cancellation Act of 2020 . 2. Suspension of obligations to make residential mortgage and rent payments (a) Rent payments (1) Suspension Notwithstanding any other provision of law, the obligation of each tenant household of a covered rental dwelling unit to pay rent for occupancy in such dwelling unit shall be suspended with respect to such occupancy during the COVID-19 suspension period. (2) Prohibitions (A) On fines No tenant or tenant household may be charged a fine or fee for nonpayment of rent in accordance with paragraph (1) and such nonpayment of rent shall not be grounds for any termination of tenancy or eviction. (B) On debt No tenant or tenant household may be treated as accruing any debt by reason of suspension of contribution of rent under paragraph (1). (C) On repayment No tenant or tenant household may be held liable for repayment of any amount of rent contribution suspended under paragraph (1). (D) On credit scores The nonpayment of rent by a tenant or tenant household shall not be reported to a consumer reporting agency nor shall such nonpayment adversely affect a tenant or member of a tenant household’s credit score. (b) Mortgage payments (1) Suspension Notwithstanding any other provision of law, the obligation of each mortgagor under a covered residential mortgage loan to make mortgage payments of principal and interest that become due during the COVID-19 suspension period is hereby suspended. (2) Requirements and prohibitions (A) On debt No mortgagor under any covered residential mortgage loan may be held responsible for payment of mortgage payments suspended under paragraph (1) or treated as accruing any debt by reason of suspension under such paragraph of the obligation to make mortgage payments. (B) On foreclosure A mortgagee under a covered residential mortgage loan (or servicer for such mortgagee) may not commence or continue any judicial foreclosure action or non-judicial foreclosure process or any action for failure to make a