Federal Employees Civil Relief Act

Protection Against Eviction: Landlords may be prevented from evicting federal workers from their residences during a shutdown without a court order (Section 6).

Mortgage and Foreclosure Relief: Courts can stay proceedings or adjust obligations for mortgages and property interests to help workers whose ability to pay is affected by a shutdown (Section 7).

Lien Protections: Federal workers are protected from the foreclosure or enforcement of liens on their property or motor vehicles without a prior court order (Section 8).

Student Loan Deferment: Workers are eligible for student loan deferment where principal payments are not required and interest does not accrue during the covered period (Section 9).

Tax Deferral: The collection of federal income tax can be deferred for up to 90 days after a shutdown ends without interest or penalties accruing (Section 10).

Insurance Continuity: Covered insurance policies, such as health, life, and motor vehicle insurance, are protected from lapsing or terminating due to nonpayment during a shutdown (Section 11).

Protection of Credit Standing: Using these legal protections will not be used as a basis for lenders to deny credit or report adverse information to consumer reporting agencies (Section 12).

Exclusion of Child Support: The protections provided by this Act do not apply to child support payments (Section 4).

Exclusion of Criminal Proceedings: The Act does not apply to criminal proceedings (Section 4).

Tax Limitation: The deferral of income tax does not apply to taxes imposed on employees under section 3101 of the Internal Revenue Code of 1986 (Section 10).