1. Short title This Act may be cited as the Protecting Families from Government Shutdowns Act . 2. Actions prohibited during a Federal Government shutdown (a) Conduct prohibited (1) Reliance on Government service It shall be unlawful for an entity to do any of the following with respect to a person if that person is unable to meet an obligation because of Government service is not available during a lapse in appropriations: (A) Debt collection. (B) Collect interest on loans accrued during the lapse. (C) Eviction. (D) Foreclosure. (E) Acceleration or downgrading of credit. (F) Require any other obligation required by law or contract that relies on a Government service not available during a lapse in appropriations. (2) Service contracts It shall be unlawful for an entity to enforce any penalty provision in a contract for services that is violated as the result of a lapse in appropriations and services being stopped. (b) Enforcement by the Federal Trade Commission (1) In general A violation of subsection (a) shall be treated as an unfair and deceptive act or practice in violation of a regulation issued under section 18(a)(1)(B) of the Federal Trade Commission Act ( 15 U.S.C. 57a(a)(1)(B) ). (2) Promulgation of rule Not later than 180 days after the date of enactment of this Act, the Federal Trade Commission shall, in accordance with section 553 of title 5, United States Code, promulgate rules to prohibit, as an unfair and deceptive act or practice, the conduct described in subsection (a). A violation of such rules shall be treated as a violation of a rule defining an unfair or deceptive act or practice under section 18(a)(1)(B) of the Federal Trade Commission Act ( 15 U.S.C. 57a(a)(1)(B) ). The Commission shall enforce such rules in the same manner, by the same means, and with the same jurisdiction, powers, and duties as though all applicable terms and provisions of the Federal Trade Commission Act were incorporated into and made a part of this Act. Any person who violates this Act shall be subject to the