Individuals and Families

California Mortgage Relief Program

Eligibility: Homeowners who have fallen behind on housing payments or reverse mortgage arrearages during the COVID-19 pandemic.

Important Dates: TBD

Description: The California Mortgage Relief Program will help an estimated 20,000 to 40,000 struggling homeowners, with funds reserved for homeowners in socially disadvantaged and underserved communities often hit hardest by the pandemic.

Free Credit Reports

Eligibility: Everyone.

Important Dates: Ongoing.

Description: Weekly credit reports are free for everyone until April 2022. Visit annualcreditreport.com to get yours. 

COVID-19 Funeral Assistance

Eligibility: To be eligible for funeral assistance, the death must have occurred in the United States and the death certificate must indicate the death was attributed to COVID-19

Important Dates: On June 29, 2021, the funeral assistance policy was amended to assist with COVID-19 related deaths that occurred in the early months of the pandemic. At this time, there is no deadline to apply for the assistance.

Description: Under the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 and the American Rescue Plan Act of 2021, FEMA will provide financial assistance for COVID-19-related funeral expenses incurred after January 20, 2020.

Retirement Account Withdrawals

Eligibility: Individuals with eligible retirement accounts (Includes individual retirement accounts and annuities (IRAs), qualified pension, profit-sharing, or stock bonus plans (including 401(k) plans), qualified 403(a) annuity plans, 403(b) annuity contracts and custodial accounts, and governmental section 457 deferred compensation plans)

Important Dates: Ongoing

Description: The CARES Act includes a provision that waives early withdrawal penalty for distributions up to $100,000 from qualified retirement accounts for coronavirus-related purposes made on or after January 1, 2020. Individuals will still have to pay federal income taxes on withdrawals through specified payment options. Participants (spouse or dependent) must either be diagnosed with COVID-19 or experiencing adverse financial consequences as a result of events COVID-19 related events as determined by the guidance issued by the Secretary of the Treasury. Additional informational about this program, including Treasury guidance and contact information, can be found online