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During a special session in June the Oregon Legislative Assembly passed House Bill 4204, which was signed into law on June 30. The measure directs lenders to defer both residential and commercial mortgage payments until September 30, 2020 if a borrower is unable to pay due to the COVID-19 pandemic.
During that period, a lender may not treat as a default a borrower’s failure to make a periodic installment payment or to pay any other amount that is due to the lender if, at any time during the emergency period, the borrower notifies the lender of his or her inability to make the periodic installment payment.
Deferred payments would be due at the end of the loan, unless the borrower and lenders determine alternate, agreeable terms. The bill also imposes certain restrictions on a lender’s ability to assess late fees and to pursue a foreclosure.