availability. (4) Youth homeless demonstration projects and domestic violence bonus projects Subsection (a) shall not apply to youth homeless demonstration projects and domestic violence bonus projects under the Continuum of Care program. (c) Housing Trust Fund Notwithstanding any other provision of law, subparagraph (B) of section 1338(c)(10) of the Housing and Community Development Act of 1992 ( 12 U.S.C. 4568(c)(10)(B) ), and any regulations implementing such subparagraph, shall not apply during the 12-month period beginning upon the date of the enactment of this Act. IV Suspending Negative Credit Reporting and Strengthening Consumer and Investor Protections 401. Reporting of information during major disasters (a) In general The CARES Act ( Public Law 116–136 ) is amended by striking section 4021 and inserting the following: 4021. Reporting of information during major disasters (a) Purpose The purpose of this section, and the amendments made by this section, is to protect consumers' credit from negative impacts as a result of financial hardship due to the coronavirus disease (COVID–19) outbreak and future major disasters. (b) Reporting of information during major disasters (1) In general The Fair Credit Reporting Act is amended by inserting after section 605B the following: 605C. Reporting of information during major disasters (a) Definitions In this section: (1) Consumer With respect to a covered period, the term consumer shall only include a consumer who is a resident of the affected area covered by the applicable disaster or emergency declaration. (2) Covered major disaster period The term covered major disaster period means the period— (A) beginning on the date on which a major disaster is declared by the President under— (i) section 401 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5170 ), under which assistance is authorized under section 408 of such Act ( 42 U.S.C. 5174 )