; (B) has— (i) a FICO score under 675; (ii) an adjusted gross income of— (I) $75,000, or less, in the case of an individual tax return filer; (II) $150,000, or less, in the case of a joint return filer; or (III) $112,500, or less, in the case of an individual filing as a head of household; (C) attests to the holder of a qualified loan that the consumer is unemployed; or (D) is a seasonal or temporary worker. 3. CPR Fund (a) Establishment There is established the Consumer Protection Relief Fund, which shall be used by the Administrator to make payments to holders of qualified loans under section 4. (b) Use of outside entities In carrying out this Act, the Administrator may— (1) consult with other agencies of the Federal Government; and (2) enter into contracts with private sector entities, at reasonable or market rates. (c) Rulemaking The Administrator shall issue such rules as may be necessary to carry out this Act. (d) Funding (1) Appropriation There is appropriated to the Fund, out of any amounts in the Treasury not otherwise appropriated, for the fiscal year ending September 30, 2020, to remain available until September 30, 2021, $10,000,000,000 for the cost of making payments to holders of qualified loans under this Act and the cost of administering this Act. (2) Use of funds after the program (A) In general Any amounts appropriated under paragraph (1) that have not been obligated by the date described under subparagraph (B) shall be transferred to the CDFI Fund and used by the Administrator to— (i) extend or promote access to responsible lending; (ii) develop technology resources; (iii) hire necessary staff; or (iv) extend credit to community development financial institutions. (B) Date The date described in this subparagraph is the later of— (i) December 31, 2021