; (II) in subsection (a), by striking the section designation and all that follows through During any and inserting the following: (a) Moratorium (1) In determining the eligibility of a borrower for relief, the Secretary shall make all eligibility decisions based on the household income, expenses, and circumstances of the borrower. (2) During any ; (III) by redesignating subsection (b) as subsection (c); and (IV) by inserting after subsection (a) the following new subsection: (b) Loan modification (1) Notwithstanding any other provision of this title, for any loan made under section 502 or 504, the Secretary may modify the interest rate and extend the term of such loan for up to 30 years from the date of such modification. (2) At the end of any moratorium period granted under this section or under this Act, the Secretary shall reset the principal and interest payments of the borrower— (A) based on a reasonable assessment of the ability of the household of the borrower to make principal and interest payments; and (B) in accordance with paragraphs (1) and (2) of subsection (a) and paragraphs (1) and (3) of this subsection. (3) The amount of the principal and interest payment that is reset under paragraph (2) may not exceed the amount of the principal and interest payment of the borrower before the moratorium. . (ii) Rules (I) Interim final rule Not later than 60 days after the date of enactment of this Act, the Secretary of Agriculture shall promulgate an interim final rule to carry out the amendments made by this subparagraph. (II) Final rule Not later than 180 days after the date of enactment of this Act, the Secretary of Agriculture shall promulgate a final rule to carry out the amendments made by this subparagraph. (7) Multifamily mortgage forbearance Section 4023 of the CARES Act ( 15 U.S.C. 9057 ) is amended— (A) in the section heading, by striking with federally backed loans ; (B) by striking Federally backed multifamily mortgage loan each place that term appears and inserting multifamily mortgage loan