This Act may be cited as the “Veteran Debt Relief During COVID–19 Act of 2020”.

(a) In general.—During the covered period, the Secretary of Veterans Affairs may not—

(1) take any action to collect a covered debt (including the offset of any payment by the Secretary);

(2) record a covered debt;

(3) issue notice of a covered debt to a person or a consumer reporting agency;

(4) allow any interest to accrue on a covered debt; or

(5) apply any administrative fee to a covered debt.

(b) Exception.—Notwithstanding subsection (a), the Secretary may collect a payment regarding a covered debt (including interest or any administrative fee) from a person (or the fiduciary of that person) who elects to make such a payment during the covered period.

(c) Definitions.—In this section:

(1) CONSUMER REPORTING AGENCY.—The term “consumer reporting agency” has the meaning given that term in section 5701 of title 38, United States Code.

(2) COVERED DEBT.—The term “covered debt” means a debt—

(A) owed by a person (including a fiduciary) to the United States;

(B) arising from a benefit under a covered law; and

(C) that is not subject to recovery under—

(i) section 3729 of title 31, United States Code;

(ii) section 1729 of title 38, United States Code; or

(iii) Public Law 87–693 (42 U.S.C. 2651).

(3) COVERED LAW.—The term “covered law” means any law administered by the Secretary of Veterans Affairs through—

(A) the Under Secretary for Health; or

(B) the Under Secretary for Benefits.

(4) COVERED PERIOD.—The term “covered period” means—

(A) the COVID–19 emergency period; and

(B) the 60 days immediately following the date of the end of the COVID–19 emergency period.

(5) COVID–19 EMERGENCY PERIOD.—The term “COVID–19 emergency period” means the emergency period described in section 1135(g)(1)(B) of the Social Security Act (42 U.S.C. 1320b–5(g)(1)(B)).