Industry 13 of 27

Financial Services

Financial services was reached by governmental orders in every quarter of the claim period, and reached in a way no other industry was: Congress and the federal housing agencies rewrote the terms on which the industry's largest asset class could be collected.…

BRbranches and lobbies ATATM, drive-up and cash logistics CCcontact center CLconsumer and auto lending MLmortgage lending BLbusiness lending and deposits SVservicing, forbearance…INinsurance WMwealth and advisory MKmarketing, events, seminars HRhiring, screening, training…OPoffice, administration, telework WFworkforce availability CBcustomer, member and client base…

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In plain terms: if you run a bank, a credit union, a mortgage or consumer lender, a loan servicer, an insurance agency or carrier, or an advisory firm, the governmental orders of 2020 and 2021 reached your business twice over. They reached the places where you meet the public: branch lobbies confined to drive-through and ATM service, capped at 25 or 50 percent, placed under screening, distancing and face-covering rules with a duty on you to enforce them; contact centers and back offices emptied by telework mandates in March 2020, refilled under caps, emptied again in the winter of 2020-21. And they reached the way you collect what you are owed: from March 18, 2020 to July 31, 2021 no servicer could foreclose on a federally backed mortgage; from September 4, 2020 to July 31, 2021, and again from August 3 to August 26, 2021, no residential eviction could proceed anywhere in the nation; forbearance was compelled on the borrower's word; nineteen States and the District stayed foreclosures, evictions, garnishments or repossessions into the third quarter of 2021; insurance regulators in more than thirty States forbade cancellations and ordered refunds; and the recorders, motor-vehicle offices, courts and sheriffs your loans depend on closed or ran by appointment.

This page walks through the fourteen functions of a financial-services employer, the layers of government whose orders reached each one, the six quarters one by one, and the fourteen sentences the Internal Revenue Service (the "Service") uses in its letters, each answered from the public orders held in this site's Orders Library (the "Library"). The statute's operative text, called here the "Suspension Clause", asks whether an operation was fully or partially suspended during a quarter due to such orders; Notice 2021-20 (the "Notice") is the Service's own guidance on it, and the "United States" is the Government as it has spoken in court. The quarter the Service's letters most often dispute is the third quarter of 2021, and the record answers it: the orders in force from July 1 to September 30, 2021 are listed below by name, date and operative clause.

Partial suspension, element by element

Every analysis on this site asks the same five questions in the same order. Here they are asked of Financial Services, from the industry's own record.

The order: issuer, instrument, date, exhibit.The Library holds 73 instruments from this industry's own regulators and sector authorities and 55 organizer notices. The earliest is Congress (CARES Act sec. 4021, Pub. L. 116-136, 134 Stat. 281, 489), codified at 15 U.S.C. 1681s-2(a)(1)(F), 15 U.S.C. 1681s-2(a)(1)(F) (Reporting information during COVID-19 pandemic) (Mar. 27, 2020) (Ex. SEC-13-017). The fifty-State regime table below names the State orders that reached its premises, State by State, each with its exhibit; the federal layer and the standing duties sit behind them on every day of the six quarters.
The function of the business it reached.The orders named the functions of the business in terms. Three of this industry's 14 function codes: BRbranches and lobbiesATATM, drive-up and cash logisticsCCcontact center. The full key follows this panel, and Function by function reads the orders against each code.
The change it compelled: the operative words.The operative words of 15 U.S.C. 1681s-2(a)(1)(F) (Reporting information during COVID-19 pandemic) (Ex. SEC-13-017): “The term 'accommodation' includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 (COVID-19) pandemic during the…” Each record page quotes the operative words in full, with the enforcement provision beside them.
The quarter: in force on which days.Every instrument carries the quarters it was in force. This industry's record runs across all six: 2020 Q267 2020 Q349 2020 Q433 2021 Q134 2021 Q238 2021 Q340 (the count is this industry's own instruments carrying the quarter). The six quarters sets out what was in force in each, and the third quarter of 2021 is listed instrument by instrument below.
The statute's answer.A partial suspension is a temporary delay, interruption or termination of a portion of the business's operations; the order need only be the but-for cause of it; and nothing in the Suspension Clause asks whether the business was essential, stayed open, could telework or served customers who were themselves under orders (Tri-State Memorial Hospital v. United States). The test and the method are stated once, for every industry, at Partial suspension, element by element.

The same five steps run through the report the site builds for your own State, metro and quarters.

Function codes

The analysis describes the business as fourteen functions, each with a two-letter code that every page of this set uses without variation. An order “reached” a function when its operative words told the business what that part of it could do, when, where, for how many and on what conditions.

Code	Function of the business
BR	branches and lobbies
AT	ATM, drive-up and cash logistics
CC	contact center
CL	consumer and auto lending (dealers, DMV)
ML	mortgage lending (appraisals, notaries, recorders, showings)
BL	business lending and deposits
SV	servicing, forbearance, collections, foreclosure and eviction moratoria
IN	insurance (grace-period and in-person orders)
WM	wealth and advisory
MK	marketing, events, seminars
HR	hiring, screening, training, credentialing
OP	office, administration, telework
WF	workforce availability
CB	customer, member and client base and its payers

The fifty-State regime table

One row per State and the District. The State name opens the State's own page; every exhibit ID opens the instrument. Sort by State from the column head, or type to find a State.

State	Code	Branch conditions	Foreclosure and eviction	Insurance regulator	Banking, DMV and recorder	Q3 2021, State layer	Functions	Sources	Grade
AlabamaAL	AL	Financial institutions essential under the Stay at Home Order (Apr. 4-30, 2020; AL-013 para. 2) with essential retailers capped at 50 percent; Safer at Home orders Apr. 30, 2020-Apr. 9, 2021 required every employer to take reasonable steps including 'facilitating remote working arrangements' and imposed the statewide mask order (AL-017, AL-027); ALDOI Bulletin 2020-04 directed insurers' staff to work remotely 'when possible' (AL-065).	Supplemental Proclamations suspending eviction and foreclosure enforcement Apr. 3-June 1, 2020 (AL-014, AL-018, AL-022); Supreme Court in-person suspension Mar. 13-May 15, 2020 (AL-054 to AL-058).	ALDOI Bulletin 2020-04 (Mar. 30, 2020; continuity of operations; remote work) and Bulletin 2020-05 (Mar. 30, 2020; cancellation and non-renewal moratorium recommendation) (AL-065, AL-066).	ALEA driver license offices 'Closed Until Further Notice' (AGY-ST-DMV-SOS-RECORDERS-099, Apr. 2020); remote notarization Mar. 26 and Apr. 3, 2020 (AL-010 sec. III; AL-012 sec. III).	No State moratorium or business order; Supreme Court judicial emergency re-declared Aug. 20, 2021 (AL-064); AO 13 court conditions.	BR; SV; IN; CL; ML; OP	AL-013; AL-014; AL-018; AL-022; AL-065; AL-066; AL-010; AL-012; AL-064; AGY-ST-DMV-SOS-RECORDERS-099	Primary source read
AlaskaAK	AK	Health Mandate 011/012 (Mar. 27-Apr. 24, 2020): non-essential businesses closed, 'work from home as much as possible', financial services on the Alaska Essential Services list (AK-012, AK-013, AK-021); no statewide mask mandate; Anchorage and Juneau local orders (AK-071 to AK-080, AK-041).	SB 241 (ch. 10 SLA 2020; enrolled Apr. 9, signed Apr. 10, 2020): moratoria on nonpayment evictions, foreclosures and motor-vehicle repossessions for hardship borrowers to June 30, 2020 (Ex. SEC-13-108); court proceedings suspended Mar. 23-Apr. 3, 2020 and jury trials to 2021 (AK-051 to AK-055).	Division of Insurance Bulletin B 20-08 (Mar. 18-June 1, 2020) (AK-045); Order R20-05 (health insurers; Apr. 15, 2020 for the 2020 emergency) (AK-046).	No DMV closure instrument retrieved (category); court Special Orders reached recording litigation (AK-051, AK-055).	No State business or moratorium instrument; courts: masks for all visitors Aug. 3 and civil jury trials suspended Aug. 31, 2021 (AK-059, AK-060); DHSS Public Health Emergency Order (AK-030).	BR; SV; CL; IN; OP	SEC-13-108; AK-012; AK-013; AK-021; AK-045; AK-046; AK-051; AK-059; AK-060	Primary source read
ArizonaAZ	AZ	EO 2020-12 (Mar. 23, 2020) essential-services list with financial institutions and preemption of local closures, in force to Sept. 29, 2021 (AZ-005, AZ-044); stay-home EO 2020-18 Mar. 31-May 15, 2020 (AZ-010); EO 2020-36/-40 mandatory business policies to Mar. 25, 2021 (AZ-019, AZ-020); ADOT MVD appointment-only from Mar. 23, 2020 (AZ-094).	EO 2020-14 (Mar. 24, 2020) residential eviction enforcement postponed 120 days (Ex. SEC-13-085 / AZ-006), continued by EO 2020-49 to Oct. 31, 2020 (AZ-025); EO 2020-21 commercial evictions suspended Apr. 6-May 31, 2020 (AZ-011); Supreme Court eviction-case AOs 2020-105 through 2021-129 (July 7, 2020 to after the CDC order) (AZ-060 to AZ-062).	No Arizona insurance bulletin retrieved (category only).	Remote online notarization EO 2020-26 Apr. 10-July 1, 2020 (AZ-014); Maricopa County Recorder public counters closed under the stay-home order, e-recording only (AGY-ST-DMV-SOS-RECORDERS-054); Corporation Commission counters closed from Mar. 25-26, 2020 (AGY-094).	Emergency declaration; EO 2020-12 to Sept. 29, 2021 (AZ-044); Supreme Court AO 2021-120 (July 15) and AO 2021-129 (Aug. 11, 2021) governing eviction cases (AZ-061, AZ-062); AO 2021-109 court limitations (AZ-059).	BR; SV; CL; ML; OP	SEC-13-085; AZ-005; AZ-006; AZ-010; AZ-011; AZ-014; AZ-019; AZ-025; AZ-044; AZ-059; AZ-060; AZ-061; AZ-062; AZ-094; AGY-ST-DMV-SOS-RECORDERS-054	Primary source read
ArkansasAR	AR	No stay-home order; EO 20-13 (Apr. 6, 2020) required 'all businesses' to implement distancing protocols, entry limits, contactless payment and signage (AR-003); face-covering mandate to Mar. 31, 2021; business directives converted to guidance Feb. 26, 2021 (AR-014).	No gubernatorial moratorium; Supreme Court per curiam 2020 Ark. 166 (Apr. 28-July 25, 2020) required CARES Act pleading in every eviction filing (AR-030); in-person proceedings suspended Mar. 17-May 18, 2020 (AR-018 to AR-023).	No Arkansas Insurance Department bulletin retrieved (category only).	EO 20-14 suspended in-person witnessing and notarization, renewed through EO 21-07 to May 30, 2021 (AR-015); DFA revenue offices (category).	None at the State level (emergency ended May 30, 2021; court suspensions ended Apr.-June 2021).	BR; SV; ML; OP	AR-003; AR-014; AR-015; AR-018; AR-030	Primary source read
CaliforniaCA	CA	EO N-33-20 (Mar. 19, 2020) stay-home 'until further notice' with the federal critical infrastructure sectors permitted (CA-002, CA-007) and the State's Essential Critical Infrastructure Workers list (CA-008); Blueprint tiers and the statewide face-covering mandate (CA-016) to June 15, 2021 (CA-027, CA-029); Cal/OSHA ETS from Nov. 30, 2020 binding every branch and office (California State file).	EO N-28-20 (Mar. 16, 2020) local eviction and foreclosure authority and request to financial institutions (Ex. SEC-13-050 / CA-005), extended by N-66-20 and N-71-20 to Sept. 30, 2020 (Exs. SEC-13-057, -058); EO N-37-20 eviction enforcement (Ex. SEC-13-051 / CA-009); Judicial Council Emergency Rules 1-2 barred unlawful-detainer summonses and stayed judicial foreclosures Apr. 6-Sept. 1, 2020 (CA-040; AGY-ST-COURTS-068); AB 3088 (Aug. 31, 2020; Tenant Act to Jan. 31, 2021; Homeowner Act from Sept. 1, 2020) (Ex. SEC-13-052); SB 91 (Jan. 29, 2021; to June 30, 2021) (Ex. SEC-13-053); AB 832 (June 28, 2021; to Sept. 30, 2021; Homeowner Act to Dec. 1, 2021) (Ex. SEC-13-054).	CDI Notice of Mar. 18, 2020 requesting a 60-day grace period (CA-042; AGY-ST-UTILITIES-HOUSING-AG-072), extended May 15, 2020 (CA-054); Bulletin 2020-3 (Apr. 13, 2020) ordering premium refunds for March and April in seven lines (Ex. SEC-13-056 / CA-043); Bulletins 2020-4 (May 15, 2020) and 2020-8 (Dec. 3, 2020) extending the refund directives (CA-044, CA-045); Bulletin 2021-03 (Mar. 11, 2021) directing further refunds and reporting (Ex. SEC-13-061 / CA-048); business-interruption claims notice Apr. 14, 2020 (CA-049).	DMV field offices closed to the public Mar. 27-May 8/June 11, 2020 (AGY-ST-DMV-SOS-RECORDERS-018, -014, -015); EO N-40-20 para. 13 waiving in-person renewals (AGY-076); Secretary of State counters closed Mar. 20, 2020; San Diego ARCC all offices closed Mar. 23, 2020 (AGY-057); Los Angeles and other recorders limited (SFO, LA metro files); CDL extensions to Nov. 30, 2021 (AGY-017).	AB 832 to Sept. 30, 2021 and the Homeowner Act to Dec. 1, 2021 (Ex. SEC-13-054); Bulletin 2021-03 reporting directives (Ex. SEC-13-061); Cal/OSHA ETS (June 17, 2021 readoption) on every workplace; State of Emergency (CA-001); Bay Area and Los Angeles County indoor mask orders from July 17 and Aug. 3, 2021 governing branch lobbies (MET-LA, MET-SFO); Judicial Council emergency rules to June 30, 2022 (AGY-ST-COURTS).	BR; SV; IN; ML; CL; OP; CB	SEC-13-050; SEC-13-051; SEC-13-052; SEC-13-053; SEC-13-054; SEC-13-056; SEC-13-057; SEC-13-058; SEC-13-061; CA-002; CA-005; CA-008; CA-009; CA-016; CA-027; CA-040; CA-042; CA-043; CA-044; CA-045; CA-048; CA-049; CA-054; CA-062; CA-063; CA-064; AGY-ST-DMV-SOS-RECORDERS-018; AGY-ST-DMV-SOS-RECORDERS-015; AGY-ST-DMV-SOS-RECORDERS-057; AGY-ST-UTILITIES-HOUSING-AG-072; AGY-ST-UTILITIES-HOUSING-AG-073	Primary source read (N-28-20, N-37-20 and N-66-20 exhibits Confirmed from a secondary source)
ColoradoCO	CO	Stay at Home (EO D 2020 017; PHO 20-24) Mar. 26-Apr. 26, 2020 with critical businesses including financial institutions permitted under distancing (CO-004 to CO-007); Safer at Home offices at 50 percent (June 2020); Dial capacity levels to Apr. 16, 2021; statewide mask EO to June 1, 2021.	EO D 2020 012 (Mar. 20, 2020) limiting evictions, foreclosures and utility disconnections (CO-009); EO D 2020 101 (June 13, 2020) thirty-day cure (CO-029); EO D 2020 223 (Oct. 15, 2020) evictions and late fees to Dec. 31, 2020 (CO-034); later 2021 eviction orders not verified in the Colorado State file; jury service suspended to Aug. 3, 2020 (CO-056, CO-099).	EO D 2020 020 telehealth (CO-088).	EO D 2020 015 license-expiration emergency rules for DMV, DORA and the Division of Banking, Mar. 25, 2020 to June 2021 (CO-087); remote notarization EO D 2020 019 from Mar. 27, 2020 (CO-014).	No statewide business or moratorium order; district-court mask orders from July 30, 2021 (MET-DEN-058, -066, -070); C.R.S. 6-1-730 price-gouging within the disaster period (AGY-ST-UTILITIES-HOUSING-AG-036).	BR; SV; CL; ML; IN; OP	CO-004; CO-007; CO-009; CO-014; CO-029; CO-034; CO-087; CO-088; CO-097; CO-100
ConnecticutCT	CT	EO 7H (Mar. 20, 2020) 100 percent in-person workforce reduction for non-essential businesses with financial institutions essential under DECD guidance; EO 7S Safe Stores rules from Apr. 3, 2020 (CT-012); EO 7V Safe Workplace rules; masks EO 7BB (Apr. 20, 2020); Sector Rules with $10,000 penalties to May 20, 2021 (CT-046); EO 12A/13A masks for the unvaccinated indoors, employer liable, in Q3 2021 (CT-045, CT-047).	EO 7G (Mar. 19, 2020) suspended non-critical court operations and deadlines (Ex. SEC-13-093 / CT-006); EO 7X (Apr. 10, 2020) no notice to quit or summary process before July 1, 2020, extended by 7OOO, 9E, 9T and 10A sec. 3 through June 30, 2021 (Ex. SEC-13-092 / CT-015, CT-036); EO 12D (June 30, 2021) UniteCT application and 30-day notice before any notice to quit, to Feb. 15, 2022 (CT-103); Judicial Branch Mortgage Foreclosure Standing Order Sept. 24, 2020 while the federal moratoria ran (CT-075); eviction-execution notice under the CDC order (CT-074).	Insurance Bulletin IC-40 (Mar. 24, 2020) 60-day grace period, made binding through EO 7S (CT-063, CT-012).	DMV branches closed under EO 7C sec. 7 and the DMV Notice and Order of Mar. 20, 2020 with 90-day extensions (CT-003, CT-062); remote notarization EO 7Q sec. 3 and 7ZZ sec. 12 (CT-011).	EO 12D eviction procedures (June 30, 2021-Feb. 15, 2022) (CT-103); Mortgage Foreclosure Standing Order (CT-075); EO 12A/13A masks and DPH orders (CT-045, CT-047); emergency to Sept. 30, 2021 and beyond (CT-044); Foreclosure Mediation Program virtual (AGY-ST-COURTS-013, secondary).	BR; SV; IN; ML; CL; OP	SEC-13-092; SEC-13-093; CT-003; CT-006; CT-011; CT-012; CT-015; CT-036; CT-044; CT-045; CT-046; CT-047; CT-062; CT-063; CT-074; CT-075; CT-103	Primary source read
DelawareDE	DE	Fourth and Fifth Modifications (Mar. 22, 2020) closed every non-essential business and ordered shelter in place from Mar. 24 with 'Teleworking must be maximized' for essential businesses including financial institutions (DE-005, DE-006); Ninth Modification 20 percent occupancy for every business admitting customers (DE-012); Phase 2 60 percent and masks; general restrictions ended May 21, 2021 (DE-038); emergency ended 8:00 a.m. July 13, 2021.	Sixth Modification (Mar. 24, eff. Mar. 25, 2020): no residential foreclosure commenced, no sheriff's sales or ejectments until 31 days after the emergency, no summary possession actions (Ex. SEC-13-106 / DE-009); modified July 1, 2020 (DE-027) and continued as court-supervised stays to July 12-13, 2021 (DE-038 sec. B); Superior Court CARES Act foreclosure affidavit order July 21, 2020 (AGY-ST-COURTS-030); courthouses closed to the public Mar. 23-June 8, 2020 (AGY-ST-COURTS-024).	Sixth Modification sec. E: no insurer may lapse, terminate or forfeit any covered policy for nonpayment during the emergency (Ex. SEC-13-106); Bulletin No. 116 (Mar. 20, 2020) requesting suspension of cancellations (DE-071); Bulletin No. 115 coverage (DE-065); Public Health Emergency declaration suspending prior authorization (DE-007 para. 5.a).	DelDOT/DMV road tests and services suspended, lobbies capped from Mar. 17, 2020 (DE-072); Eleventh Modification sec. B remote notarization Apr. 15, 2020 (DE-015); Recorder counters remote (category).	Sixth Modification sec. E non-lapse and the court-supervised foreclosure and eviction stays to July 12-13, 2021 (DE-038, DE-009); Twenty-Ninth Modification settings masks to July 13, 2021; Delaware courts: universal masking re-imposed Aug. 16 and staff testing Sept. 7, 2021 (AGY-ST-COURTS-062, -041).	BR; SV; IN; ML; CL; OP	SEC-13-106; DE-005; DE-006; DE-007; DE-009; DE-012; DE-015; DE-027; DE-038; DE-065; DE-071; DE-072; AGY-ST-COURTS-024; AGY-ST-COURTS-030; AGY-ST-COURTS-062	Primary source read
District of ColumbiaDC	DC	Mayor's Order 2020-053 (Mar. 24, 2020) closed non-essential businesses and Mayor's Order 2020-054 stay-at-home (Mar. 30-May 29, 2020) with banks essential (DC State file); phased reopening with capacity caps to May 21, 2021; Mayor's Order 2021-097 universal indoor masks from July 31, 2021 with $1,000 fines (DC-057).	D.C. Act 23-286 sec. 202 (Apr. 10, 2020): every DISB-regulated mortgage servicer required to grant 90-day deferments during the public health emergency and 60 days after (Ex. SEC-13-094); Council emergency acts staying evictions from D.C. Act 23-247 (Mar. 17, 2020) to the Eviction and Utility Moratorium Phasing Act, D.C. Act 24-125 (July 24, 2021) (DC record; AGY-ST-UTILITIES-HOUSING-AG NR-14); Superior Court general orders staying evictions and foreclosures and tolling deadlines Mar. 18, 2020 to at least Nov. 21, 2021 (DC-032, DC-025, DC-026, DC-059 to DC-061).		DC DMV appointment-only June 23, 2020 to July 19-20, 2021 (DC-082); Recorder of Deeds and DCRA counters remote until July 12, 2021 (category).	Act 24-125 phased eviction moratorium (July 24, 2021 onward); Superior Court stays and masks (DC-059 to DC-061, DC-023); Mayor's Order 2021-097 masks from July 31 (DC-057); DMV appointment-only to July 19-20 (DC-082); Act 23-286 sec. 202 deferment duty to 60 days after the PHE (July 25, 2021).	BR; SV; BL; ML; CL; OP	SEC-13-094; DC-021; DC-023; DC-025; DC-032; DC-057; DC-059; DC-060; DC-061; DC-082	Primary source read (Council eviction acts cited from the DC and agency records; insurance category only)
FloridaFL	FL	EO 20-91 Safer at Home (Apr. 3-May 4, 2020) with the CISA v. 2 list (FL-010, FL-018); Phase 1-3 orders with no individual fines; general restrictions ended Sept. 25, 2020 (FL-047); local mask and capacity orders to May 3, 2021; emergency lapsed June 26, 2021 (FL-057).	EO 20-94 (Apr. 2, 2020) suspended foreclosure and eviction causes of action, extended by EOs 20-121, 20-137, 20-159, 20-180 (narrowed to final actions against COVID-affected parties, Aug. 1) and 20-211 to Oct. 1, 2020 (FL-019, FL-025, FL-031, FL-037, FL-041, FL-043); Supreme Court AOSC20-13/20-23 suspended writs of possession (FL-064 to FL-066).	OIR Informational Memorandum OIR-20-04M (Mar. 25, 2020): premium leniency, virtual inspections, telework (FL-084); OIR-20-05M (Apr. 6, 2020) workers' compensation (FL-085).	Online notarization permanent from Jan. 1, 2020 (ch. 2019-71; AGY-ST-DMV-SOS-RECORDERS-047, context); FLHSMV emergency orders (FL State file); county clerks under local orders (MIA, TPA, ORL metro files).	Section 381.00316 (eff. July 1, 2021) barring businesses from requiring vaccination documentation, $5,000 per violation (FL-030); Supreme Court AOSC21-17 court operations through Q3 2021 (FL-069, FL-070); no State moratorium.	BR; SV; IN; ML; OP; CB	FL-010; FL-018; FL-019; FL-025; FL-031; FL-037; FL-041; FL-043; FL-047; FL-064; FL-066; FL-084; FL-085; FL-030; FL-069; FL-070	Primary source read
GeorgiaGA	GA	Shelter-in-place EO 04.02.20.01 (Apr. 3-30, 2020) with Critical Infrastructure (CISA) businesses including banks permitted under sixteen mandatory measures and Minimum Basic Operations for others; Empowering orders' 'shall implement' sector measures and gathering ban to Apr. 8, 2021 (GA-034); distancing 'strongly encouraged' from May 1, 2021 (GA-035); PHE expired July 1, 2021 (GA-039).	No gubernatorial moratorium; Supreme Court statewide judicial emergency Mar. 14, 2020-June 30, 2021 suspending deadlines and (to Mar. 9, 2021) jury trials (GA-062 to GA-065); local judicial orders July 2021 (GA-051 to GA-054).	OCI Directives 20-EX-7 (Mar. 26, 2020), 20-EX-9 and -11 (Dec. 2020), 21-EX-1 and -2 (Aug. 16-17, 2021) and Bulletin 21-EX-3 (Sept. 15, 2021) suspending utilization review and post-acute preauthorization through Sept. 30, 2021 (GA-047 to GA-050, GA-055, GA-056); no premium grace-period directive retrieved (category).	EO 03.25.20.01 driver's license expirations extended 120 days (GA-007); remote notarization EO 03.31.20.01 and 04.09.20.01, continued into Q3 2021 (GA-057, GA-015, GA-042, GA-061).	Economic Recovery State of Emergency and regulatory-suspension orders (GA-041, GA-042, GA-059 to GA-061) keeping remote notarization in force; EO 08.19.21.03 mandatory mitigation duty on every in-person Organization (GA-043); OCI Directives 21-EX-1/-2 and Bulletin 21-EX-3 on insurers Aug. 16-Sept. 30, 2021 (GA-050, GA-055, GA-056).	BR; IN; ML; SV; OP	GA-007; GA-015; GA-034; GA-035; GA-041; GA-042; GA-043; GA-047; GA-050; GA-055; GA-056; GA-057; GA-061; GA-062; GA-065	Primary source read
HawaiiHI	HI	Third Supplementary Proclamation (Mar. 23, 2020): 'all persons... ordered to stay at home' except to maintain 'the federal critical infrastructure sectors' and businesses outside those sectors 'must cease' (HI-004); Fifth Supp. Procl. face coverings for customers and employees (HI-006); Roadmap tiers by approved county orders; indoor mask mandate to Nov. 2021 (HI-023, HI-024).	Eviction moratorium Apr. 16, 2020 (Fifth Supp. Procl. sec. II) to Aug. 6, 2021 (Twenty-First Procl. sec. V) (HI-006, HI-023); Supreme Court Order Regarding Foreclosures (June 25, 2020) requiring a federally-backed-mortgage declaration in every foreclosure and ejectment action (HI-039); courthouses closed Mar. 23-Apr. 30, 2020 (HI-033).	Insurance Commissioner's Memorandum 2020-3I (Mar. 27, 2020; policyholders affected by COVID-19; 60 days after the emergency) and 2020-4A (Apr. 27, 2020; waivers and grace periods) (HI-071, HI-072).	License and State ID expirations extended by proclamation (HI-019 Exhibit I); notary rules suspending close-contact requirements (HI-007 Exhibit F; HI-023 Exhibit D); Honolulu satellite city halls (category).	Twenty-First Proclamation to Aug. 6, 2021 (mask mandate; travel quarantine; eviction moratorium) (HI-023); Emergency Proclamation of Aug. 5, 2021 (masks; quarantine; State-employee vaccination-or-testing) (HI-024); EO 21-05 gathering caps Aug. 10 (HI-025); HI-071 memorandum's 60-day tail; Supreme Court foreclosure order operating on its terms (HI-039); jury trials postponed Aug. 16-Sept. 29, 2021 (HI-066 to HI-069).	BR; SV; IN; ML; OP; CB	HI-004; HI-006; HI-007; HI-019; HI-023; HI-024; HI-025; HI-033; HI-039; HI-066; HI-071; HI-072	Primary source read
IdahoID	ID	Order to Self-Isolate (Mar. 25-Apr. 30, 2020): every business except Essential Businesses to cease activities at facilities except Minimum Basic Operations and work from home (ID-003); Stage orders to Feb. 1, 2021 (ID-011, ID-012); Ada County and Boise mask and gathering orders July 2020-May 14, 2021 (ID-022 to ID-025, ID-073 to ID-078).	No State moratorium; Idaho Supreme Court Emergency Reduction in Court Services Mar. 25-Apr. 30, 2020 (civil matters deferred) (ID-081); no civil juries before Dec. 1, 2020 (ID-082).	Department of Insurance Bulletins 21-01 and 21-02 (Feb. 12-Apr. 30, 2021; special enrollment) (ID-NX-06, secondary); no grace-period bulletin retrieved (category).	County DMV offices (category); permanent remote online notarization (category).	Emergency proclamations June 18, July 19 and Aug. 17, 2021 (ID-046, ID-047); Stage 4 Guidelines with mandatory long-term-care masking (ID-013); Supreme Court incidence-triggered courthouse protocols (ID-NX-03) and Ada County courthouse masks from Aug. 9, 2021 (ID-084); Crisis Standards of Care Sept. 7-16, 2021 (ID-064, ID-072).	BR; OP; SV	ID-003; ID-011; ID-012; ID-013; ID-046; ID-047; ID-081; ID-082; ID-084; ID-NX-06	Primary source read (insurance row secondary; DMV category)
IllinoisIL	IL	EO 2020-10 (Mar. 20, 2020) stay-home; sec. 12(f) 'Banks, currency exchanges, consumer lenders... credit unions, appraisers, title companies, financial markets' essential and required to comply with Social Distancing Requirements (IL-005); EO 2020-32 (May 1, 2020) face coverings in stores, 50 percent essential retail, 'all businesses must evaluate which employees are able to work from home' (IL-013); Phase 4 caps and telework to May 2021; Tier 3 offices 50 percent with mandatory remote-work facilitation Nov. 20, 2020-Jan. 2021 (IL-031); Phase 5 June 11, 2021 (IL-037); EO 2021-20 universal indoor masks with employer duty from Aug. 30, 2021 (IL-044 chain).	EO 2020-10 sec. 2 eviction enforcement ceased Mar. 20, 2020 (IL-005); EO 2020-16 vehicle repossessions suspended from Mar. 27, 2020 (Ex. SEC-13-060 / IL-008); EO 2020-25 garnishments and wage deductions suspended Apr. 14, 2020-June 25, 2021 (IL-010); EO 2020-30 residential eviction filings barred Apr. 23, 2020 (Ex. SEC-13-059 / IL-012); EO 2020-72 Covered Persons Nov. 13, 2020 (IL-070); Supreme Court M.R. 30370 eviction certification Dec. 22, 2020-Oct. 3, 2021 (IL-067); EO 2021-13 phase-out June 11, 2021 with enforcement stayed through Oct. 3, 2021 (Ex. SEC-13-109 / IL-038, IL-044); Cook County G.A.O. 2020-01, 2020-02, 2020-07, 2021-02 eviction enforcement stays Mar. 14, 2020-Oct. 3, 2021 (AGY-ST-COURTS-037, -032, -033, -038).	EO 2020-29 (Apr. 20, 2020) suspending in-person insurance requirements, in force to Aug. 21, 2021 (IL-011).	Secretary of State Driver Services facilities closed Mar. 17-May 31, 2020 and Nov. 17, 2020-Jan. 4, 2021 (IL-053, IL-055 to IL-058); remote notarization EO 2020-14 from Mar. 26, 2020 (IL-007); Cook and Madison County recorders closed spring 2020 (AGY-ST-DMV-SOS-RECORDERS).	EO 2021-13 secs. 2 and 4 through Oct. 3, 2021 (Ex. SEC-13-109; IL-038, IL-044); M.R. 30370 (IL-067); Cook County G.A.O. 2021-02 (AGY-ST-COURTS-038); EO 2020-29 insurance suspensions to Aug. 21, 2021 (IL-011); Phase 5 mask mandates and EO 2021-20 universal indoor masking from Aug. 30, 2021 (IL-037, IL-044); disaster proclamations (IL-046, IL-047).	BR; SV; CL; IN; ML; OP; CB	SEC-13-059; SEC-13-060; SEC-13-109; IL-005; IL-007; IL-008; IL-010; IL-011; IL-012; IL-013; IL-031; IL-037; IL-038; IL-044; IL-053; IL-055; IL-067; IL-070; AGY-ST-COURTS-032; AGY-ST-COURTS-033; AGY-ST-COURTS-037; AGY-ST-COURTS-038	Primary source read
IndianaIN	IN	Stay-at-home EO 20-08/20-18 Mar. 24-May 1, 2020: essential businesses including financial institutions open under distancing; 'professional services should be conducted virtually or by telephone whenever reasonably possible' (IN-006, IN-016); Stages 2-5 with capacity limits to Sept. 26, 2020 and mask mandate July 27, 2020-Apr. 6, 2021 (IN-035); State buildings appointment-only.	EO 20-06 (Mar. 19, 2020) eviction and foreclosure filings barred (IN-005), extended by EOs 20-33 and 20-39 to Aug. 14, 2020 (IN-031, IN-037); Supreme Court AR 17 tolling with no interest Mar. 23-Aug. 14, 2020 (IN-074 to IN-078).	IDOI Bulletin 252 (Mar. 26, 2020): 60-day cancellation and non-renewal moratorium request for premiums due Mar. 19-May 18, 2020; testing coverage mandates (Ex. SEC-13-077 / IN-082), issued at the direction of EO 20-05 (IN-004).	BMV branches closed Mar. 24, 2020, 128 reopened by appointment May 11, 2020; late fees and branch-in-every-county requirement suspended to June 30, 2020 (AGY-ST-DMV-SOS-RECORDERS-002, -003; IN-004, IN-025); permanent remote online notarization from Mar. 31, 2020 (category).	No State moratorium or business order (K-12 masks ended June 30, 2021); Supreme Court order of May 7, 2021 (remote authority until further order) (IN-081).	BR; SV; IN; CL; ML; OP	SEC-13-077; IN-004; IN-005; IN-006; IN-016; IN-025; IN-031; IN-035; IN-037; IN-074; IN-081; IN-082; AGY-ST-DMV-SOS-RECORDERS-002; AGY-ST-DMV-SOS-RECORDERS-003	Primary source read
IowaIA	IA	No stay-home order; proclamations closed named business categories Mar. 17-June 12, 2020 and required six-foot seated service and distancing June 12, 2020-Feb. 6, 2021 (IA-002, IA-004, IA-018, IA-019); employer telework directive Region 6 Apr. 16-30, 2020 and statewide Nov. 11, 2020-Feb. 6, 2021 (IA-010, IA-029 to IA-034); statewide mask requirement Nov. 17, 2020-Feb. 6, 2021.	Proclamations suspending certain evictions from Mar. 19 (IA-003) and foreclosures from Mar. 22, 2020 (IA-004), continued by the Apr. 27, 2020 Part 2 proclamation (foreclosure, eviction, debt-collection and tax relief) to May 27, 2020 (IA-013); jury trials postponed Mar. 14-Sept. 14, 2020 and Nov. 16, 2020-Feb. 1, 2021 (IA-048 to IA-052).	Insurance Division Bulletin 20-04 (Mar. 19, 2020) premium grace period to June 30, 2020 (IA-069).	Division of Banking remote-work authorization for mortgage and other licensees from Mar. 18, 2020 (IA-071); remote notarization from Mar. 22, 2020 (IA-004); driver's license, registration and title deadlines suspended from Mar. 17, 2020 and DOT service centers by appointment (IA-002 secs. 12-16).	No State business or moratorium order; Iowa Supreme Court protocols to Jan. 1, 2022 with masks reimposed for all Aug. 27, 2021 (IA-055, IA-056).	BR; SV; IN; ML; CL; OP	IA-002; IA-003; IA-004; IA-010; IA-013; IA-018; IA-029; IA-048; IA-055; IA-056; IA-069; IA-070; IA-071	Primary source read (IA-070 secondary)
KansasKS	KS	EO 20-16 stay-home Mar. 30-May 3, 2020 with the Kansas Essential Function Framework (financial services essential) and telework 'to the extent possible' (KS-009, KS-008); general business restrictions ended May 26, 2020 (KS-023); EO 20-52 masks with employer duty from July 3, 2020 (opt-out counties) to Mar. 31, 2021 (KS-030); Sedgwick County orders to Mar. 24, 2021 (KS-081 to KS-087).	EO 20-10 (Mar. 23, 2020): financial institutions barred from initiating foreclosures and landlords from evictions for COVID-related default, to May 31, 2020 (Ex. SEC-13-102 / KS-011; 39 Kan. Reg. No. 13, KS-006); reinstated by EO 20-61 (Aug. 17, 2020) (KS-034) and reissued as EO 21-13 (Apr. 1, 2021) to June 15, 2021 (KS-044); Supreme Court deadlines suspended Mar. 18, 2020-Apr. 15, 2021, remainder to Aug. 2, 2021 (KS-060 to KS-074).	No Kansas Insurance Department bulletin retrieved (category only).	Remote notaries and witnesses EO 20-20 (Apr. 9, 2020), reissued as 20-40 and 21-10, to June 15, 2021 (KS-013); driver's license and registration deadlines extended Mar. 23, 2020-June 30, 2021 (EO 20-12 chain; KS-006); Executive Branch offices closed Mar. 21-Apr. 5, 2020 (KS-006).	Supreme Court 2021-PR-100 remaining deadline suspensions to Aug. 2, 2021 (KS-074); no executive order (emergency expired June 15, 2021).	BR; SV; ML; CL; OP	SEC-13-102; KS-006; KS-008; KS-009; KS-011; KS-013; KS-023; KS-030; KS-034; KS-044; KS-060; KS-074	Primary source read
KentuckyKY	KY	EO 2020-257 Healthy at Home (Mar. 25, eff. Mar. 26, 2020): non-life-sustaining businesses closed; life-sustaining businesses including financial institutions only with telecommuting 'to the fullest extent possible' (Ex. SEC-13-097 / KY-010); Healthy at Work offices at 50 percent from May 11, 2020 with mandatory requirements (KY-017, KY-019); mask mandate July 10, 2020-June 11, 2021 (KY-022); general restrictions rescinded June 11, 2021 (KY-049).	Evictions suspended Mar. 26-Aug. 24, 2020 (KY-010, KY-017); EO 2020-700 (Aug. 24, 2020) 30-day notice and meet-and-confer, successors to Mar. 31, 2021 (KY-027); EO 2021-226 lapsed Apr. 30, 2021; Supreme Court AO 2020-08 continued eviction dockets from Mar. 16, 2020 (KY-002); AO 2021-28 (Aug. 9, 2021) eviction cases in abeyance (KY-059).	Department of Insurance order of Mar. 18, 2020 (recited in HJR 1, KY-056; category); EO 2020-277 (Apr. 9, 2020) workers' compensation presumption (AGY-ST-UTILITIES-HOUSING-AG reference).	Department of Financial Institutions Guidance on Relief for registrants (Mar. 24, 2020), DFI orders ratified by HJR 77 and extended to Jan. 15, 2022 by HJR 1 (KY-060, KY-056); remote notarization (KY-046 chain); Fayette County recorder closed spring 2020 (MET-SDF-021).	State of emergency all quarter (KY-001, KY-049 para. 5, KY-056); Supreme Court AO 2021-27/-28 from Aug. 9, 2021 (KY-058, KY-059); State office building masks from July 29-30, 2021; HJR 1 (Sept. 7, 2021) extending DFI guidance and the Department of Insurance order to Jan. 15, 2022 (KY-056).	BR; SV; OP; IN; ML; CL	SEC-13-097; KY-001; KY-002; KY-010; KY-017; KY-019; KY-022; KY-027; KY-046; KY-049; KY-056; KY-058; KY-059; KY-060	Primary source read (Department of Insurance order category)
LouisianaLA	LA	Stay-at-home 33 JBE 2020 (Mar. 23-May 15, 2020): non-CISA businesses at minimum contact with essential employees; State offices closed to the public (LA-005, LA-007); Phase 1-3 caps and masks (LA-012, LA-013); statewide indoor mask mandate reinstated Aug. 4, 2021 by 137 JBE 2021 (LA-036).	Evictions 'suspended by executive action by the Governor' through the Supreme Court's orders of May 15 and June 5, 2020 (LA-062, LA-063); prescription and legal deadlines suspended Mar. 17-June 5, 2020; courts emergency-only (LA-061).	LDI Emergency Rule 40 (Mar. 27, 2020; cancellation and non-renewal moratorium Mar. 12-May 12, 2020) (LA-055); Emergency Rule 36 patient protections (Mar. 18, 2020) and Rule 41 surge transfers (secondary; LA-057, LA-058); Emergency Rule 46 (Aug. 12, 2021; surge transfers, 120 days) (LA-056).	Statewide OMV locations closed (AGY-ST-DMV-SOS-RECORDERS-097, Mar.-Apr. 2020); Act 254 remote notarization (category).	Emergency and 118/131 JBE 2021 (LA-034, LA-035); 137 JBE 2021 statewide indoor masks from Aug. 4, 2021 binding every branch lobby (LA-036); LDI Emergency Rule 46 (LA-056).	BR; SV; IN; OP; CL	LA-005; LA-007; LA-012; LA-034; LA-035; LA-036; LA-055; LA-056; LA-061; LA-062; LA-063; AGY-ST-DMV-SOS-RECORDERS-097	Primary source read (LA-057, LA-058 secondary)
MaineME	ME	EO 19 (Mar. 24, 2020) closures and telework mandate; EO 28 stay-home Apr. 2-May 31, 2020 (ME-007, ME-011); EO 55 gathering cap 50 and telework 'to the extent practicable' (ME-025); EO 49 masks (ME-021); capacity limits ended May 24, 2021 (ME-057); civil emergency expired June 30, 2021 (ME-059, ME-060).	EO 40 FY 19/20 (Apr. 16, 2020): evictions and writs of possession limited for the emergency plus 30 days (ME-019); SJC dockets suspended and jury trials deferred from Mar. 13/18, 2020 (ME-063 to ME-065).	Proclamation of Insurance Emergency under 24-A M.R.S. 471 (Mar. 12, 2020) to July 31, 2021 (ME-002); Bureau of Insurance Bulletins 442 (Mar. 12, 2020; emergency measures), 443 (Apr. 7, 2020; P&C coverage) and 444 (Apr. 15, 2020; premium refunds), each to July 31, 2021 (ME-076 to ME-078); Bulletin 445 temporary producer licenses, exam centers closed (ME-079).	EO 18 FY 19/20 (Mar. 23, 2020) motor-vehicle compliance dates extended because of BMV closures, to Dec. 31, 2020 (ME-006); EO 37 remote notarization Apr. 8, 2020 to emergency plus 30 days (ME-016).	Insurance Emergency and Bulletins 442-444 to July 31, 2021 (ME-002, ME-076 to ME-078); EO 40 and EO 37 for 30 days after June 30, 2021 (ME-019, ME-016); court PPMO-SJC-1 courthouse masks reinstated Aug. 16, 2021 (ME-074); Maine CDC ch. 264 health-care worker vaccination rule Aug. 12, 2021 (ME-061).	BR; SV; IN; ML; CL; OP	ME-002; ME-006; ME-007; ME-011; ME-016; ME-019; ME-021; ME-025; ME-057; ME-060; ME-063; ME-074; ME-076; ME-077; ME-078; ME-079	Primary source read
MarylandMD	MD	Stay-at-Home Order 20-03-30-01 Mar. 30-May 15, 2020 with Non-Essential Businesses closed; banks essential under the OLC interpretive guidance (MD-007, MD-035); Order 20-06-10-01 50 percent capacities (MD-013); general masks (MD-014); Order 20-11-17-01 50 percent all Facilities Nov. 20, 2020 (MD-021); capacity limits ended Mar. 12 and May 15, 2021 (MD-026, MD-095); Order 21-06-15-01 ended the residual orders July 1 and Aug. 15, 2021 (MD-031).	Order of Mar. 16, 2020 prohibiting evictions of tenants with substantial loss of income (MD-038); Order 20-04-03-01 (Apr. 3, 2020) adding the bar on self-help auto repossession, the suspension of the Notice of Intent to Foreclose system and commercial evictions (Ex. SEC-13-071); restated Oct. 16 and Dec. 17, 2020 (20-12-17-02) and in force to Aug. 15, 2021 (MD-NR-02, MD-031 sec. II.b); Judiciary suspension of foreclosures and evictions from Mar. 25, 2020 (MD-083); courts closed to the public Mar. 16-June 5, 2020 (MD-081).	MIA Bulletin 20-21 (Apr. 24, 2020; workers' compensation) recorded by the agency file; MIA video hearings order to Aug. 15, 2021 (MD-031 sec. II); grace-period bulletins (category).	Order 20-03-30-04 remote notarization Mar. 30, 2020 to Aug. 15, 2021 (AGY-ST-DMV-SOS-RECORDERS-042; MD-031 sec. II.l); MVA licenses extended (MD-098; MD-031); Commissioner of Financial Regulation lending-limit suspension authority (Ex. SEC-13-071 sec. VI).	Order 20-12-17-02 (evictions, repossessions, foreclosure initiation, commercial evictions) to Aug. 15, 2021 (MD-NR-02; MD-031 sec. II); remote notarization and MIA hearings to Aug. 15 (MD-031); state of emergency to Aug. 15, 2021 (MD-071); Judiciary vaccination requirement Aug. 20, 2021 and court orders (MD-090 to MD-092).	BR; SV; CL; ML; BL; IN; OP	SEC-13-071; MD-007; MD-013; MD-014; MD-021; MD-026; MD-031; MD-035; MD-038; MD-071; MD-081; MD-083; MD-090; MD-095; MD-098; MD-NR-02; AGY-ST-DMV-SOS-RECORDERS-042	Primary source read (MD-NR-02 secondary)
MassachusettsMA	MA	COVID-19 Order No. 13 (Mar. 23, 2020) closed non-essential brick-and-mortar premises with financial services on the Essential Services list; stay-at-home advisory; Order No. 31 masks (May 1, 2020); Phase caps and DLS workplace safety rules to May 29, 2021 (MA-048); RMV in-person transactions limited Mar. 15, 2020-May 29, 2021 (MA-007, MA-027).	Chapter 65 of the Acts of 2020 (Apr. 20, 2020): moratorium on non-essential evictions, foreclosure publication, power of sale and initiation; mandatory 180-day forbearance on attestation; no negative credit reporting; to Aug. 18, extended to Oct. 17, 2020 (Ex. SEC-13-072 / MA-052); Chapter 257 of 2020 (Dec. 31, 2020) notice-to-quit and continuance rules tied to the CDC order; Chapter 20 of 2021 (June 16, 2021) extending video counseling and remote notarization to Dec. 15, 2021 and re-tying ch. 257 to the CDC order (Ex. SEC-13-074 / MA-053); SJC courthouses closed except emergencies Mar. 18, 2020 (AGY-ST-COURTS-076 to -080).		Chapter 71 of 2020 virtual notarization (Apr. 23, 2020) to Dec. 15, 2021 (AGY-ST-DMV-SOS-RECORDERS-039, -040); RMV limits (MA-007, MA-027); registries of deeds (category).	Chapter 20 of 2021 secs. 6, 7, 12-13 (Ex. SEC-13-074); ch. 257 as re-tied to the CDC order (to Aug. 26, 2021); DPH face-covering order in licensed practice locations and congregate settings (MA-050); SJC Seventh Updated Order from July 12, 2021 (AGY-ST-COURTS-080); remote notarization to Dec. 15, 2021 (AGY-040).	BR; SV; ML; CL; OP	SEC-13-072; SEC-13-074; MA-007; MA-027; MA-048; MA-050; MA-052; MA-053; AGY-ST-DMV-SOS-RECORDERS-039; AGY-ST-DMV-SOS-RECORDERS-040; AGY-ST-COURTS-076; AGY-ST-COURTS-080	Primary source read (insurance category)
MichiganMI	MI	EO 2020-21 stay-home Mar. 24-June 1, 2020: in-person work prohibited unless 'necessary to sustain or protect life', financial services critical infrastructure with minimum in-person operations (MI-011); EO 2020-42 travel and retail limits (MI-017); EO 2020-110 remote-work mandate June 2020 (MI-031); 2020 PA 238 and MIOSHA emergency rules on every employer through 2021 (MI-057); MDHHS Gatherings and Face Mask orders to June 22, 2021.	EO 2020-19 (Mar. 20, 2020) barring removal or exclusion of tenants and land-contract vendees, extended by EOs 2020-54, -85, -118, -134 to July 15, 2020 (Ex. SEC-13-095 / AGY-ST-UTILITIES-HOUSING-AG-051); Supreme Court AO 2020-17 (June 9, 2020) rewrote eviction procedure and, as amended July 2 and 26, 2021, stayed eviction proceedings for CERA applicants through Q3 2021 (MI-034, MI-079, MI-080); AO 2020-14 SCAO-gated phased court return to July 26, 2021 (MI-025, MI-080).	DIFS bulletins (category only).	Secretary of State branches closed Mar. 24, 2020, appointment-only from June 2020 (MI-012); remote notarization EO 2020-41 (Apr. 8, 2020) and statute to June 30, 2021 (AGY-ST-DMV-SOS-RECORDERS-041); Wayne and Oakland County registers under DET metro orders.	AO 2020-17 as amended July 2, 2021 (CERA eviction stays; remote technology 'as fully in place today as it was a year ago') (MI-079); AO 2020-14 to July 26, 2021 (MI-080); 2020 PA 238 (MI-057); MDHHS residential-care and testing orders (MI-070, MI-072); Detroit-metro county orders (DET).	BR; SV; CL; ML; OP	SEC-13-095; MI-011; MI-012; MI-017; MI-025; MI-031; MI-034; MI-057; MI-079; MI-080; AGY-ST-DMV-SOS-RECORDERS-041; AGY-ST-UTILITIES-HOUSING-AG-051	Primary source read (insurance category)
MinnesotaMN	MN	EO 20-20 stay-home Mar. 27-May 17, 2020: 'All workers who can work from home must do so'; financial services critical (MN-010); EO 20-74 caps and telework mandate (MN-025); EO 20-81 masks in indoor businesses with business duty, $1,000/$25,000 penalties, July 24, 2020-May 14, 2021 (MN-027); EO 20-99 telework mandate Nov. 2020-Apr. 14, 2021 (MN-032); all-business COVID-19 Preparedness Plan to June 30, 2021 (MN-038).	EO 20-14 (Mar. 23, 2020) suspending eviction filings and writs of recovery, including by mortgage holders after redemption (Ex. SEC-13-082 / MN-006); EO 20-79 (July 14, eff. Aug. 4, 2020) modified moratorium to June 30, 2021 (MN-026); Laws 2021, 1st Spec. Sess., ch. 8, art. 5 (June 29, eff. June 30, 2021) phase-out: lease terminations and filings barred except on enumerated grounds to Oct. 12, 2021, nonpayment evictions against pending rental-assistance applicants barred to June 1, 2022 (MN-042); no civil jury trials before Sept. 1, 2020 and Nov. 2020-Mar. 2021 (MN-046, MN-047).	Department of Commerce insurance bulletins (category only); Laws 2020 ch. 72 workers' compensation presumption (AGY-ST-UTILITIES-HOUSING-AG-067).	DVS exam stations and deputy registrar offices closed to May 4, 2020 (MN-056); permanent remote online notarization (category); Hennepin County recorder (category).	Laws 2021, 1st Spec. Sess., ch. 8, art. 5, secs. peacetime emergency to 11:59 p.m. July 1, 2021 (MN-041); Supreme Court ADM20-8001 orders of June 28 and July 30, 2021 (remote proceedings; face-covering discretion) (MN-053, MN-054); MMB Policy 1446 State workforce from Sept. 8, 2021 (MN-044).	BR; SV; OP; CL; ML; CB	SEC-13-082; MN-006; MN-010; MN-025; MN-026; MN-027; MN-032; MN-038; MN-041; MN-042; MN-046; MN-053; MN-054; MN-056	Primary source read (insurance category)
MississippiMS	MS	EO 1463 essential business list (financial institutions) Mar. 24, 2020; EO 1466 Shelter in Place Apr. 3-27, 2020 with non-essential businesses ceased (MS-009); Safer at Home retail 50 percent and telework 'to the maximum extent possible' (MS-014); Safe Return and statewide mask mandate (EO 1516) Aug.-Sept. 2020; county mask orders to Mar. 3, 2021; all rescinded Apr. 30, 2021.	Evictions suspended Apr. 3-June 1, 2020 (EO 1466 para. I(c); EO 1477 para. I(e); sunset EO 1484) (MS-009, MS-014, MS-018); Supreme Court emergency orders postponing trials Mar. 13-May 15, 2020 (MS-058, secondary).	MID Bulletin 2020-3, as amended (Mar. 25, 2020): mandatory 60-day moratorium on cancellation and non-renewal for nonpayment effective Mar. 24, 2020, all lines (Ex. SEC-13-081).	EO 1467 remote notarization (Apr. 6, 2020) for the emergency plus 14 days, into Q3 2021 (AGY-ST-DMV-SOS-RECORDERS-113); Driver Service Bureau limited services, licenses extended to Aug. 3, 2020 (MS-012; EO 1474).	EO 1467 remote notarization (state of emergency continuing) (AGY-113); no State moratorium or business order (Safe Recovery orders rescinded Apr. 30, 2021).	BR; SV; IN; ML; CL; OP	SEC-13-081; MS-009; MS-012; MS-014; MS-018; MS-058; AGY-ST-DMV-SOS-RECORDERS-113	Primary source read (MS-058 secondary)
MissouriMO	MO	DHSS Stay Home Missouri Order Apr. 6-May 3, 2020: 'every person and business... shall abide by social distancing requirements'; retail capped at 25 or 10 percent (MO-004); Phase 1 to June 15, 2020; no statewide mask order; St. Louis and Kansas City orders (STL, KC metro files).	No statewide moratorium; Supreme Court of Missouri in-person suspension Mar. 16/22-May 15, 2020 and Operational Directives from May 4, 2020 (MO-024; AGY-ST-COURTS MO row, end not verified).	DCI Insurance Bulletin 20-05 (Mar. 21, 2020): grace periods, cancellation and non-renewal moratorium request, mandatory reporting (MO-030); Bulletin 20-07 telehealth (MO-031); Bulletin 20-10 (May 7, 2020) extending and terminating grace periods June 15, 2020 (MO-032); title insurers' on-site review waived (Bulletins 20-11, 20-19, 20-20; index only).	EO 20-08 remote notarization Apr. 6-Aug. 28, 2020 (MO-011); remote witnessing Sept. 3, 2020-Aug. 27, 2021 (MO-015, MO-020); Division of Finance guidance (category).	Remote witnessing order to Aug. 27, 2021 (MO-020); no State moratorium or business order; St. Louis City and County mask orders from July 26, 2021 (STL metro file).	BR; SV; IN; ML; OP	MO-004; MO-011; MO-015; MO-020; MO-024; MO-030; MO-031; MO-032	Primary source read
MontanaMT	MT	Stay at Home Directive Mar. 28-Apr. 26, 2020: non-essential businesses ceased, work from home; realtors, appraisers and financial services Essential (MT-009, MT-012); Phase directives with capacity, hours and gathering limits to Jan. 15, 2021 and statewide mask mandate to Feb. 12, 2021 (MT-020, MT-021); Banking Commissioner's Proclamations of Mar. 13, 2020 and Jan. 15, 2021 permitting State-chartered banks and credit unions to close any office, rescinded July 12, 2021 (MT-041).	Directive of Mar. 30, 2020 prohibiting residential evictions, foreclosures, trustee's sales and disconnections, to Apr. 24 then May 24, 2020 with continuing protection for vulnerable persons (MT-011 to MT-014); Feb. 12, 2021 Directive: evictions and foreclosures for non-payment prohibited as under the CDC and HHS orders, to June 30, 2021 (MT-021); Supreme Court response order Mar. 27-May 4, 2020 and eviction guidance May 22, 2020 (MT-056, MT-059).	Commissioner of Securities and Insurance bulletins (category only).	Division of Banking branch-closure Proclamations Mar. 13, 2020-July 12, 2021 (MT-041); MVD renewals online and by mail from Apr. 2, 2020 (MT-028); permanent remote notarization (category).	Banking Proclamation to July 12, 2021 (MT-041); Mont. Code Ann. 49-2-312 (HB 702) on every employer and public accommodation (MT-072); 50-2-116(4)-(9) (MT-073); Chief Justice's May 17, 2021 protocols (MT-061); DPHHS emergency rule Aug. 31, 2021 (MT-042).	BR; SV; ML; OP; HR	MT-009; MT-011; MT-012; MT-013; MT-014; MT-020; MT-021; MT-028; MT-041; MT-056; MT-059; MT-061; MT-072; MT-073	Primary source read (insurance category)
NebraskaNE	NE	No stay-home or private telework mandate; Directed Health Measures (Mar. 19, 2020 onward) prohibited gatherings over ten and closed named sectors by region, with capacity phases to May 24, 2021 (NE-002, NE-093, NE-094); Omaha and Lincoln mask ordinances (NE-078).	No State moratorium; eviction-trial deferral Mar. 25-May 31, 2020 (NE-046).	Department of Insurance notices (category only).	EO 20-13 (Apr. 1, 2020): online notary acceleration because closings required physical presence; bank examination and cash-count rules waived (paras. 2-5); rescinded June 1, 2021 (AGY-ST-DMV-SOS-RECORDERS-046; NE-051 chronology); EO 20-05 (Mar. 19, 2020) title, registration and lien deadlines waived because 'counties have continued to close local offices', renewal by Aug. 31, 2020 (AGY-006; NE-044, NE-055, NE-058); county recorders and treasurers closed Mar.-May 2020 (NE-058 recital).	No State instrument (DHMs ended May 24, 2021; EO 20-13 rescinded June 1, 2021); Chief Justice's Nov. 3, 2020 court order until otherwise ordered (AGY-ST-COURTS-009).	BR; ML; CL; OP; SV	NE-002; NE-044; NE-046; NE-055; NE-058; NE-078; NE-093; NE-094; AGY-ST-DMV-SOS-RECORDERS-006; AGY-ST-DMV-SOS-RECORDERS-046; AGY-ST-COURTS-009	Primary source read (insurance category)
NevadaNV	NV	Directive 003 (Mar. 20, 2020) closed Non-Essential Businesses with financial institutions essential (NV-004, NV-005); Stay at Home Order Apr. 1-May 9, 2020 (NV-012); Directive 013 (Apr. 8, 2020) prohibited open houses; Directive 021 real-estate services 'telephonically or virtually to the greatest extent practicable'; Directive 024 face coverings with business duty June 24, 2020 onward (NV-019); Statewide Pause 25 percent Nov. 24, 2020-Feb. 14, 2021 (NV-030); Directive 044 ended statewide distancing Apr. 30, 2021 (NV-038); Directive 045 masks per CDC with business duty (NV-039); Directive 047 (July 30, 2021) reinstated indoor masks in substantial-transmission counties.	Directive 008 (Mar. 29, 2020) eviction and foreclosure moratorium (NV-010); Directive 025 phase-out (commercial June 30; residential nonpayment Aug. 31, 2020) (NV-020); Directive 031 nonpayment evictions barred to Oct. 14, 2020 (NV-026); Directive 036 residential moratorium Dec. 15, 2020 (NV-031) extended by Directive 043 to May 31, 2021 (NV-037); AB 486 (June 4, 2021): mandatory stays of nonpayment evictions pending rental-assistance applications and ADR, to June 5, 2023 (Ex. SEC-13-087); Directive 009 tolled limitations Apr. 1-July 31, 2020 (NV-011); Eighth Judicial District AO 20-01 (NV-062).	Division of Insurance emergency regulation NAC 687B (Mar. 5-July 3, 2020) (NV-065).	DMV offices closed Mar. 16-June 15, 2020 (Directive 004; NV-006); credentials extended to Sept. 13 and Nov. 12, 2020 (Directives 026, 032; NV-021, NV-027); permanent remote online notarization (category).	AB 486 stays (Ex. SEC-13-087); Declaration of Emergency (NV-001); Directive 045/024 mask framework with business duty (NV-039, NV-019); Directive 047 (July 30, 2021) indoor masks in substantial-transmission counties including Clark and Washoe; Directive 046 (July 20) health-care licensing; Eighth Judicial District AO 21-05 masks (MET-LAS-019).	BR; SV; IN; ML; CL; OP; CB	SEC-13-087; NV-001; NV-004; NV-005; NV-006; NV-010; NV-011; NV-012; NV-019; NV-020; NV-021; NV-026; NV-027; NV-030; NV-031; NV-037; NV-038; NV-039; NV-062; NV-065	Primary source read
New HampshireNH	NH	Emergency Order #17 stay-at-home and closure of non-essential workplaces Mar. 27-June 15, 2020 with financial institutions essential; EO #52 Safer at Home mandatory Universal Guidelines (retail 50 percent) (NH State file); EO #74 mask order Nov. 20, 2020-Apr. 16, 2021; all emergency orders ended June 11, 2021.	Emergency Order #4 (Mar. 17, 2020): all eviction proceedings and all judicial and non-judicial foreclosures prohibited during the State of Emergency (Ex. SEC-13-103 / NH-004); ended July 1, 2020 by Emergency Order #51 (NH-020).	NHID Bulletin INS 20-021-AB (Mar. 24, 2020) property and casualty signatures (NH-072); INS 20-24-AB telehealth under EO #8 (Apr. 8, 2020-June 11, 2021) (NH-071).	Emergency Order #11 remote notarization Mar. 23, 2020-June 11, 2021 (NH-006).	No State emergency order in force; RSA 141-C:1-a (eff. July 23, 2021) barring vaccination requirements for public facilities (NH-068); DHHS isolation and quarantine directives (NH-063, NH-064).	BR; SV; ML; IN; OP	SEC-13-103; NH-004; NH-006; NH-020; NH-063; NH-064; NH-068; NH-071; NH-072; NH-080
New JerseyNJ	NJ	EO 107 (Mar. 21, 2020) stay-home; para. 6 listed banks among essential retail; para. 10 telework mandate for every business (NJ-004); EO 122 (Apr. 8, 2020) 50 percent occupancy, masks and cleaning protocols for essential retail including bank branches (NJ-011; SEC-07-011); EO 192 (Nov. 5, 2020) worksite masks, distancing and daily health checks (NJ-036); telework mandate ended June 4, 2021 (NJ-051); EO 242/243 kept EO 192 duties for unvaccinated or unverified employees through Q3 2021 (NJ-050, NJ-051); DOBI Bulletin 20-06 no-action position for licensees working from home (Mar. 19, 2020; extended by 20-26) (NJ-104).	EO 106 (Mar. 19, 2020): no removal from residential property by eviction or foreclosure; writs of possession stayed; sheriffs to refrain (Ex. SEC-13-047 / NJ-003), kept to Jan. 1, 2022 by P.L. 2021, c. 103 (June 4, 2021) (NJ-053); EO 249 and P.L. 2021, c. 188 (Aug. 4, 2021): foreclosure removals barred to Nov. 15, 2021, eviction removals to Aug. 31 or Dec. 31, 2021 by income tier (Ex. SEC-13-049 / NJ-054, NJ-089); Supreme Court omnibus orders suspending landlord-tenant trials from Mar. 2020 (NJ-090 to NJ-100, NJ-096).	EO 123 (Apr. 9, 2020) directing property and casualty, life and health insurers to refrain from cancelling for nonpayment, in effect to Jan. 1, 2022 (NJ-012); DOBI Bulletin 20-15 (Apr. 10, 2020) mandatory 90-day P&C grace period (Ex. SEC-13-048 / NJ-105); Bulletin 20-27 (May 28, 2020) 60-day health grace period (NJ-106); Bulletin 20-03 (Mar. 10, 2020) testing cost-sharing (NJ-103).	NJMVC agencies, road tests and inspection facilities closed to the public Mar. 16-July 7, 2020 (NJ-107; AGY-ST-DMV-SOS-RECORDERS-019); P.L. 2020, c. 26 remote notarial acts (Apr. 14, 2020) for the emergency, permanent by P.L. 2021, c. 179 (AGY-038).	State of Emergency all quarter (NJ-052, NJ-053 sec. 4); EO 106 as modified by EO 249 and c. 188 (Ex. SEC-13-047, -049; NJ-089); EO 123 insurance grace-period directive (NJ-012); EO 242/243 employer duties (NJ-050, NJ-051); EO 246 utility grace period to Dec. 31, 2021 (NJ-061); remote notarial acts (AGY-038).	BR; SV; IN; ML; CL; OP; CB	SEC-13-047; SEC-13-048; SEC-13-049; NJ-003; NJ-004; NJ-011; NJ-012; NJ-036; NJ-050; NJ-051; NJ-052; NJ-053; NJ-054; NJ-061; NJ-089; NJ-096; NJ-103; NJ-104; NJ-105; NJ-106; NJ-107; SEC-07-011; AGY-ST-DMV-SOS-RECORDERS-019; AGY-ST-DMV-SOS-RECORDERS-038	Primary source read
New MexicoNM	NM	Public Health Emergency Order of Mar. 23, 2020 (eff. Mar. 24): non-essential businesses closed; banks and financial institutions essential; brokers and title companies essential but minimized (NM-006 para. 3(q)); county-framework capacity caps, statewide mask mandate and traveler quarantine (July 1, 2020-Feb. 10, 2021) (NM-024 to NM-037); June 30, 2021 order (eff. July 1) removed caps but kept masks for the unvaccinated and CDC-guidance duties on businesses (NM-060); PHO of Aug. 17, 2021 reinstated indoor masks for all.	Supreme Court stay of writs of restitution for inability to pay Mar. 24, 2020 to Jan. 4, 2022 (NM-009, NM-072); consumer-debt garnishment and execution writs stayed June 5, 2020-Aug. 2, 2021 (Supreme Court index); PHE court protocols through 2021 (NM-059, NM-064, NM-066).	OSI Bulletin 2020-006 (Mar. 20, 2020) requesting cancellation and non-renewal moratoria or extended grace periods and elimination of in-person premium payment (Ex. SEC-13-078).	Remote notarization EO (category).	Writ-of-restitution stay (NM-009, NM-072) all quarter; garnishment stay to Aug. 2, 2021; PHO of June 30, 2021 (masks for unvaccinated; business duties) (NM-060) and the Aug. 17, 2021 indoor mask order on every branch lobby; court PHE protocols (NM-059, NM-064, NM-066).	BR; SV; IN; ML; OP; CB	SEC-13-078; NM-006; NM-009; NM-024; NM-037; NM-059; NM-060; NM-064; NM-066; NM-072	Primary source read (DMV category)
New YorkNY	NY	EO 202.6 and 202.8 (Mar. 18-20, 2020): 100 percent in-person workforce reduction for non-essential businesses from 8 p.m. Mar. 22; ESD guidance listed 'banks or lending institutions' as essential (NY-002 to NY-004; SEC-07-023); phased reopening and cluster zones (EO 202.68) (NY-008); percentage caps ended May 19, 2021 and EO 202 series rescinded June 25, 2021 (NY-054, NY-049); 10 NYCRR Subpart 66-3 masks for unvaccinated employees and customers with employer duty (June 23-Aug. 27, 2021) (NY-133); HERO Act (June 4, 2021) airborne-disease plans due Aug. 5, 2021 for every employer (NY-082, NY-129, NY-130).	EO 202.8 (Mar. 20, 2020) 90-day eviction and foreclosure halt, DMV closure, tolling (Ex. SEC-13-046 / NY-002); EO 202.28 (May 7, 2020) late fees barred, hardship moratorium to Aug. 20 (NY-020); Tenant Safe Harbor Act (June 30, 2020) (NY-087); commercial moratorium to Jan. 31, 2021 (EO 202.70, 202.81); Chief Administrative Judge AO/68/20 and AO/78/20 suspending eviction and foreclosure matters and non-essential filings Mar. 16-May 25, 2020 (NY-061, NY-060, NY-075); CEEFPA, ch. 381 of 2020 (Dec. 28, 2020) stays to May 1, 2021 (NY-083); ch. 104 of 2021 (May 4) to Aug. 31, 2021 (NY-085); Chrysafis v. Marks (Aug. 12, 2021) enjoining Part A hardship self-certification (Ex. SEC-13-019); ch. 417 of 2021 (Sept. 2) to Jan. 15, 2022 (NY-086); ERAP stay, L. 2021 ch. 56 Part BB (Apr. 16, 2021) (AGY-ST-UTILITIES-HOUSING-AG-052).	EO 202.13 (Mar. 29, 2020) insurance premium moratorium (NY-015) implemented by 11 NYCRR Parts 27, 405 and 216 (Mar. 30, 2020) to July 7, 2020 (NY-101).	EO 202.9 (Mar. 21, 2020): failure to grant 90-day forbearance an unsafe and unsound practice (NY-013), implemented by 3 NYCRR Part 119 (Mar. 24, 2020) (Ex. SEC-13-041 / NY-100), succeeded by Banking Law 9-x (L. 2020 ch. 112, June 17, 2020; statute not saved; category); DMV in-person appointments cancelled 8 p.m. Mar. 20, 2020 and county offices appointment-only to May 17, 2021 (NY-002, NY-054); EO 202.7 remote notarization Mar. 19, 2020-June 25, 2021 (AGY-ST-DMV-SOS-RECORDERS-036); DOS Division of Corporations walk-in services suspended (AGY-080).	CEEFPA stays to Aug. 31, 2021 (NY-085), Part A enjoined Aug. 12 (Ex. SEC-13-019), ch. 417 from Sept. 2, 2021 to Jan. 15, 2022 (NY-086); ERAP stay (AGY-052); Subpart 66-3 masks (NY-133); 10 NYCRR 2.13 isolation and quarantine (NY-134); HERO Act plans (NY-082, NY-129); Banking Law 9-x covered period (category); 10 NYCRR 2.60 indoor masking determination and 2.61 health-care worker vaccination (NY-071, NY-073, NY-074); NYC Key to NYC (Aug. 17/Sept. 13, 2021; not applicable to banks) (MET-NYC); WCB closed to the public (AGY-ST-COURTS-020).	BR; SV; AT; IN; ML; CL; OP; CB	SEC-13-019; SEC-13-041; SEC-13-046; NY-002; NY-003; NY-004; NY-008; NY-013; NY-015; NY-020; NY-049; NY-054; NY-060; NY-061; NY-071; NY-073; NY-082; NY-083; NY-085; NY-086; NY-087; NY-100; NY-101; NY-129; NY-133; NY-134; SEC-07-023; AGY-ST-DMV-SOS-RECORDERS-036; AGY-ST-DMV-SOS-RECORDERS-080; AGY-ST-UTILITIES-HOUSING-AG-052	Primary source read (Banking Law 9-x category; Chrysafis exhibit secondary)
North CarolinaNC	NC	EO 121 Stay at Home Mar. 30-May 8, 2020: non-essential businesses ceased; financial services essential (sec. 2(C)) and directed 'to the maximum extent possible' to telework; ten-person gathering cap (NC-005); Phase 2-3 caps (NC-011, NC-018); Modified Stay at Home 10 p.m.-5 a.m. Dec. 11, 2020-Feb. 26, 2021 (NC-023); face coverings to May 14, 2021 (NC-022); EO 120 sec. 2 ordered registers of deeds to continue operating with precautions.	EO 124 (Mar. 31, 2020) utility shut-off bar and eviction guidance (NC-006); EO 142 (May 30, 2020) residential eviction moratorium to June 20, utilities to July 29, 2020 (NC-012); EO 171 (Oct. 28, 2020) made the CDC eviction order enforceable as State law, extended by EO 184 and EO 206 to June 30, 2021 (NC-020, NC-037, NC-038); Chief Justice's directives postponing proceedings including summary ejectment Mar. 13-June 1, 2020 and Dec. 14, 2020-Jan. 14, 2021 (NC-049, NC-051, NC-054).	NCDOI Order and Bulletin 20-B-06 (Mar. 27, 2020) activating G.S. 58-2-46 disaster provisions (premium deferral) for all 100 counties, extended by 20-B-07 (Apr. 24, 2020) 30 days (NC-043, NC-069); Bulletin 20-B-04 (Mar. 10, 2020) protective actions (NC-070).	S.L. 2020-3 sec. 4.7 five-month DMV credential extensions and office closures; sec. 4.1 emergency video notarization from May 4, 2020 (NC-034; AGY-ST-DMV-SOS-RECORDERS-043); EO 119 motor-vehicle waivers extended into Q3 2021 (NC-039); Mecklenburg Register of Deeds appointment-only (AGY-075).	State of Emergency (EO 116, to Aug. 15, 2022) (NC-001); EO 119 chain of motor-vehicle waivers (NC-039); EO 220 residual mask settings to July 30, 2021; no moratorium (EO 206 ended June 30, 2021); no statewide court directive (ended June 21, 2021) (NC-057).	BR; SV; IN; ML; CL; OP	NC-001; NC-005; NC-006; NC-011; NC-012; NC-018; NC-020; NC-022; NC-023; NC-034; NC-037; NC-038; NC-039; NC-043; NC-049; NC-051; NC-054; NC-057; NC-069; NC-070; AGY-ST-DMV-SOS-RECORDERS-043; AGY-ST-DMV-SOS-RECORDERS-075	Primary source read
North DakotaND	ND	No stay-home order; EO 2020-06 series closed dining rooms, bars, gyms, theaters and personal services Mar. 20-Apr. 30, 2020 and ordered State staff to remote worksites (ND-017, ND-028); ND Smart Restart standards 'strongly encouraged' from May 1, 2020; statewide mask order Nov. 14, 2020-Jan. 18, 2021 and capacity limits to Jan. 18, 2021; traveler quarantine Mar. 28-Sept. 21, 2020 (ND-014, ND-021).	Supreme Court AO 27 suspending eviction proceedings statewide from Mar. 2020 (with jury trials, ND-085, ND-086), repealed effective Apr. 1, 2021.	Insurance Department bulletins (category only).	Department of Financial Institutions guidance (category); DOT driver license sites phased to Dec. 31, 2020 (AGY-ST-DMV-SOS-RECORDERS ND row); permanent remote notarization (category).	No State moratorium or business order; HB 1465 (business admission practices), HB 1118, HB 1323 from Aug. 1, 2021 (ND-082, ND-078, ND-080); federal layer.	BR; SV; OP	ND-014; ND-017; ND-021; ND-028; ND-078; ND-080; ND-082; ND-085; ND-086	Primary source read (insurance and banking category)
OhioOH	OH	Stay at Home Order Mar. 23-May 2020: essential businesses including 'financial institutions' (para. 12(u)-type list) open under distancing; non-essential closed (OH-011); mask mandate July 23, 2020-June 2, 2021; retail and business compliance orders; Revised Business Guidance rescinded June 2, 2021.	EO 2020-08D (Apr. 1, 2020) requesting a 90-day suspension of commercial evictions and foreclosures and forbearance (OH-015); Supreme Court tolling order (Mar. 27, 2020) and H.B. 197 sec. 22 tolling court and recorder deadlines Mar. 9-July 30, 2020 (OH-013, OH-012); no residential moratorium.	ODI Bulletin 2020-03 (Mar. 20, 2020) 60-day premium grace period and continuation of coverage for reduced-hours employees, for the emergency (Ex. SEC-13-075 / OH-055).	BMV deputy registrars closed Mar. 18-May 26, 2020; H.B. 197 sec. 11 licenses valid to 90 days after the emergency or Dec. 1, 2020 (OH-060, OH-012); recorder timelines tolled (OH-012 sec. 22; OH-013).	No State moratorium or business order (emergency ended June 18, 2021); ODI Bulletin 2020-03 to the emergency's end (OH-055); federal layer.	BR; SV; BL; IN; CL; ML; OP	SEC-13-075; OH-011; OH-012; OH-013; OH-015; OH-055; OH-060	Primary source read (Bulletin 2020-03 and EO 2020-08D scans)
OklahomaOK	OK	Safer at Home (EO 2020-07 amendments) closed non-essential businesses in COVID-affected counties Mar. 25-Apr. 30, 2020 with NAICS 52 financial services essential (OK-006, OK-014); OURS Plan phases; State-agency remote-work directive; municipal mask ordinances (Tulsa July 15, 2020-Apr. 30, 2021; Oklahoma City; Norman to June 1, 2021) reaching 'banks and financial services' by name (OK-064 to OK-068, OK-080 to OK-082); EO 2021-07 withdrawn May 4, 2021 (OK-041).	No moratorium; Supreme Court SCAD 2020-24, -29, -36: deadlines suspended Mar. 16-May 15, 2020; courthouses closed to the public and filings by mail Mar. 27-May 15, 2020; jury trials after July 31, 2020 (OK-049 to OK-051).	OID PC Bulletin 2020-01 (Mar. 20, 2020) 45-day grace-period extension, rescinded June 30, 2020 except enumerated items (Ex. SEC-13-076 / OK-044); LH Bulletin 2020-02 (Mar. 17, 2020, as amended) (OK-045).	Courthouses and county clerks closed Mar. 27-May 15, 2020 (OK-050); DPS offices (category); permanent remote online notarization (category).	No State moratorium or business order; SB 658 (July 1, 2021) school vaccination and mask limits (OK-043); EO 2021-16 State buildings (OK-042); federal layer.	BR; SV; IN; ML; OP	SEC-13-076; OK-006; OK-014; OK-041; OK-042; OK-043; OK-044; OK-045; OK-049; OK-050; OK-051; OK-064; OK-080	Primary source read
OregonOR	OR	EO 20-12 (Mar. 23, 2020) stay home; forty business categories closed; office work prohibited where telework available; distancing officer for other retail (OR-005); EO 20-27 baseline telework prohibition and Phase caps (Portland tri-county Phase I all Q3 2020); OHA face-covering rules from July 1, 2020 including 'all public and private office spaces' from Aug. 13, 2020 (OR-025); Oregon OSHA temporary rule Nov. 16, 2020 and permanent rule May 4, 2021 on every workplace (OR-041); EO 21-15 ended caps and masks June 30, 2021 (OR-043); OAR 333-019-1025 (Aug. 13, 2021) indoor masks for all in every indoor space including 'banks' with employer duty, $500 per day (OR-048).	EO 20-11 residential eviction enforcement bar (Mar. 22, 2020) (OR-006); EO 20-13 residential and commercial nonpayment evictions barred (Apr. 1, 2020) (OR-010); HB 4204 (June 30, 2020): lenders may not treat missed payments as defaults or foreclose during the emergency period (to Sept. 30, 2020), extended by EO 20-37 to Dec. 31, 2020 (Ex. SEC-13-088; OR-026); HB 4213 (June 30, 2020) eviction moratorium Apr. 1-Sept. 30, 2020 with grace period to Mar. 31, 2021 (Ex. SEC-13-089 / OR-024); EO 20-56 (Sept. 30-Dec. 31, 2020) (OR-028); HB 4401 (Dec. 23, 2020) to June 30, 2021 (Ex. SEC-13-090 / OR-037); HB 2009 (2021) and EO 21-14 (June 11, 2021) foreclosure moratorium to Sept. 30, 2021 (OR-042); EO 21-30 (Aug. 16, 2021) to Dec. 31, 2021 (OR-050); SB 278 (June 24, 2021) 60-day eviction safe harbor to Feb. 28, 2022 (Ex. SEC-13-091); EO 20-18 CARES rebates exempt from garnishment Apr. 17-June 30, 2020 (OR-061); CJO 20-006 courts Level 3 Mar. 16, 2020 (OR-009).	DCBS/DFR insurance emergency order (Mar. 25, 2020; grace periods; extended to May 23, 2020) (OR-008, secondary); DFR Property and Casualty Insurance Order (May 22, 2020; 30-day extensions) (OR-019).	DMV closed to walk-ins spring 2020, appointment-only from June 2020, lobby limits to June 30, 2021 (OR-057); HB 4212 remote public meetings and deadline extensions (category); DFR licensees (category).	EO 21-14 foreclosure moratorium to Sept. 30, 2021 (OR-042) and EO 21-30 to Dec. 31, 2021 (OR-050); SB 278 (Ex. SEC-13-091); Oregon OSHA rule residual duties (OR-041, OR-044); OAR 333-019-1025 indoor masks from Aug. 13, 2021 (OR-048) with AO 10-2021 (OR-049); emergency to Dec. 31, 2021 (OR-043); OAR 333-019-1010 health-care vaccination (OR-046); EO 21-29 State contractors (OR-047); CJO 21-039 (OR-054).	BR; SV; ML; BL; IN; CL; OP; CB	SEC-13-088; SEC-13-089; SEC-13-090; SEC-13-091; OR-005; OR-006; OR-008; OR-009; OR-010; OR-019; OR-024; OR-025; OR-026; OR-028; OR-037; OR-041; OR-042; OR-043; OR-044; OR-046; OR-047; OR-048; OR-049; OR-050; OR-054; OR-057; OR-061	Primary source read (OR-008 and OR-057 secondary)
PennsylvaniaPA	PA	Mar. 19, 2020 closure of non-life-sustaining businesses with 'Credit Intermediation' life-sustaining (PA-002 to PA-004); statewide stay-at-home Apr. 1-June 4, 2020 (PA-006); Worker Safety Order (Apr. 15, 2020) binding every in-person business including branches (PA-008; SEC-07-014); Targeted Mitigation telework 'Unless not possible' July 16, 2020-Apr. 3, 2021 (PA-016, PA-022); universal masks July 1, 2020-June 28, 2021 (PA-015); general restrictions ended May 31, 2021.	Supreme Court judicial emergency: courts closed to the public, evictions and ejectments stayed Mar. 18-May 11, 2020 (PA-084 to PA-088); Governor's order staying eviction and foreclosure notices May 11-July 10, 2020 (PA-056, PA-060), extended to Aug. 31, 2020 (PA-063); PHFA relief program order (PA-068).		PennDOT driver and photo license centers closed Mar. 16, 2020, limited reopening from May 15 (PA-102, PA-103); DOS notary in-person requirement suspended for real-estate closings Mar. 25 and remote notarization Apr. 2, 2020 (PA-093, PA-096); Act 15 of 2020 remote notarization and remote local-government meetings (Apr. 20, 2020) (PA-076); Montgomery County Recorder of Deeds closed Mar. 19, 2020 (MET-PHL-086); Department of Banking and Securities guidance (category).	Act 21 of 2021 (PA-040) and Act 73 of 2021 (Sept. 30, 2021) extending regulatory suspensions (PA-043); DOS suspensions; school and child-care mask order from Sept. 7, 2021 (PA-042); no moratorium (ended Aug. 31, 2020); Philadelphia and Allegheny local orders (PHL, PIT).	BR; SV; ML; CL; OP	PA-002; PA-004; PA-006; PA-008; PA-015; PA-016; PA-022; PA-040; PA-042; PA-043; PA-056; PA-060; PA-063; PA-068; PA-076; PA-084; PA-087; PA-093; PA-096; PA-102; PA-103; SEC-07-014; MET-PHL-086	Primary source read (insurance category)
Rhode IslandRI	RI	EO 20-13/20-14 stay-at-home Mar. 28-May 8, 2020 with non-critical retail closed and financial services critical; gatherings of five; Phase I-III capacity rules, in-home services rules to Aug. 31, 2021 (RI-070, RI-071); masks Apr. 18, 2020-May 21, 2021; DBR Banking Bulletin 2020-2 (Mar. 2020) customer assistance (RI-077).	No gubernatorial moratorium; Supreme Court Executive Orders: non-emergency civil matters continued and jury trials suspended Mar. 17-May 17, 2020 and beyond (RI-079 to RI-083); District Court eviction protocols May 22, Sept. 3 and Nov. 3, 2020 (listed; not saved).	DBR Insurance Bulletin 2020-4 (Mar. 25, 2020) policyholder flexibility (RI-075); Bulletin 2020-3 (Mar. 19, 2020) licensing (RI-078); Bulletin 2020-5 telemedicine Mar. 18, 2020-July 6, 2021 (RI-076).	DBR Banking Bulletin 2020-2 (RI-077); DMV expiration-extension orders Mar. 17-Aug. 2020 (RI-086 to RI-088); municipal recorders under the remote-meeting orders (RI-004).	Supreme Court EO 2021-04 (July 20, 2021) screening and masks for the unvaccinated and EO 2021-06 (Aug. 13, 2021) universal courthouse masking (RI-084, RI-085); DBR Bulletin 2020-5 to July 6, 2021 (RI-076); Providence City buildings at limited capacity to Sept. 14, 2021 (RI-097 to RI-100); in-home services rules to Aug. 31, 2021 (RI-071).	BR; SV; IN; CL; ML; OP	RI-004; RI-070; RI-071; RI-075; RI-076; RI-077; RI-078; RI-079; RI-083; RI-084; RI-085; RI-086; RI-087; RI-088	Primary source read
South CarolinaSC	SC	EO 2020-17 (Apr. 1, 2020) closed non-essential businesses; EO 2020-21 Home or Work Order Apr. 7-May 3, 2020 (SC-010, SC-013); retail 20 percent or five per 1,000 sq. ft.; State employees barred from in-person work (SC-004); restaurant and State-building masks; all gubernatorial orders ended June 2021 (SC-036 chain).	Chief Justice's Order re Statewide Evictions and Foreclosures (Mar. 18, 2020) suspending evictions and foreclosures to May 15, 2020 (SC-046); resumption May 15 with CARES Act certification (SC-049); trial-court orders with masks and capacity limits amended to Aug. 27, 2021 (SC-052, SC-054 to SC-056).		SCDMV branch offices appointment-only and road tests suspended from Apr. 8, 2020; credentials expiring Mar. 1-June 30, 2020 valid to July 1, 2020; county offices closed (AGY-ST-DMV-SOS-RECORDERS-024, -026); video-conference closings permitted from May 1, 2020 (SC-050).	Supreme Court trial-court orders in force with masks and distancing, extended July 30, 2021 'because of the delta variant' to Aug. 27, 2021 (SC-054 to SC-056, SC-063); no State moratorium or business order.	BR; SV; ML; CL; OP	SC-004; SC-010; SC-013; SC-046; SC-049; SC-050; SC-052; SC-054; SC-056; SC-063; AGY-ST-DMV-SOS-RECORDERS-024; AGY-ST-DMV-SOS-RECORDERS-026
South DakotaSD	SD	No stay-home order; EO 2020-12 (Apr. 6, 2020) 'all employers... shall' implement CDC hygiene practices and 'encourage staff to telework if possible', rescinded Apr. 28, 2020 (SD-012, SD-020); vulnerable-persons order Minnehaha and Lincoln Counties to May 11, 2020 (SD-018); Sioux Falls and Brookings mask ordinances (SD-041); State of Emergency to June 30, 2021.	No moratorium; Supreme Court judicial emergency Mar. 13, 2020 'until further order' (SD-045, SD-046); circuit standing orders on courthouse entry and masks Oct. 2020-Q3 2021 (SD-047 to SD-060, SD-084, SD-088).	Division of Insurance bulletins (category only).	EO 2020-21 (Apr. 30, 2020) motor-vehicle titling and registration suspensions because 'county courthouses' were closed, terminated Aug. 1, 2020 (SD-018 titling order; EO 2020-30); driver-license exam stations closed, 180-day grace (SD-029); Division of Banking (category).	Supreme Court judicial emergency and circuit orders listed 'currently approved' Sept. 8, 2021 (SD-045, SD-083, SD-088); no gubernatorial COVID-19 directive.	BR; SV; CL; ML; OP	SD-012; SD-018; SD-020; SD-029; SD-041; SD-045; SD-046; SD-083; SD-084; SD-088	Primary source read (insurance and banking category)
TennesseeTN	TN	EO 22/23 stay-home Apr. 2-30, 2020 with Essential Services including financial institutions and 'Appraisal, title and real estate services' (EO 22 Attachment A) (TN-005 to TN-008); Tennessee Pledge capacity guidance; county mask orders under EO 54 (July 2020-2021); EO 26/52 remote notarization Apr. 9, 2020-Apr. 28, 2021 (TN-010, TN-042).	No gubernatorial moratorium; Tennessee Supreme Court order of Apr. 24, 2020 staying evictions and ejectments to May 31, 2020 and jury trials to July 3, 2020 (TN-045); in-person suspension Mar. 13-May 31, 2020 and jury trials suspended Nov. 2020-Mar. 31, 2021 (TN-043 to TN-050).	Department of Commerce and Insurance bulletins (category only).	EO 36 omnibus flexibilities including driver services (May 12, 2020; chain to May 31, 2021) (TN-017); remote notarization (TN-010, TN-042); Shelby and Davidson County clerks under metro orders (BNA).	EO 81-83 and 88-90 continuing state of emergency with health-care flexibilities (TN State file); Supreme Court order of Aug. 26, 2021 (TN-051); EO 84 school mask opt-out (Aug. 16, 2021); no moratorium.	BR; SV; ML; CL; OP	TN-005; TN-008; TN-010; TN-017; TN-042; TN-043; TN-045; TN-050; TN-051	Primary source read (insurance category)
TexasTX	TX	GA-08 (Mar. 19, 2020) 'work from home' where feasible (TX-003); GA-14 (Mar. 31, eff. Apr. 2, 2020): essential services per CISA 2.0 only, telework mandate, in-person contact minimized (TX-008); GA-18 through GA-32 occupancy percentages (retail and offices 25-75 percent) and GA-29 masks with $250 fines July 3, 2020-Mar. 10, 2021 (TX-022, TX-025); GA-34 ended operating limits Mar. 10, 2021 (TX-029); GA-38 (July 29, 2021) reporting duties and vaccination-proof prohibitions (TX-036); SB 968 sec. 161.0085 (June 16, 2021) on every business (TX-032).	Supreme Court Fourth and Twelfth Emergency Orders staying residential evictions Mar. 19-May 18/25, 2020 (TX-057, TX-058); Twenty-Seventh Emergency Order (Sept. 17, 2020) Texas Eviction Diversion Program with mandatory 60-day abatements, renewed through the Thirty-Ninth (July 19, 2021) and Forty-Fourth Emergency Orders into 2022 (TX-060, TX-041, TX-066); no gubernatorial foreclosure moratorium.	TDI Bulletin B-0007-20 (Mar. 23, 2020): Commissioner's disaster determination under Ins. Code 542.059(b) extending claim-handling deadlines; grace periods and premium suspensions expected (Ex. SEC-13-065 / AGY-ST-UTILITIES-HOUSING-AG-074); B-0020-20 midterm premium audits (Apr. 15, 2020) (AGY-075); B-0010-20 and B-0027-20 title and escrow (Mar. 25 and May 21, 2020; index read); DWC bulletins B-0010-20, B-0019-20 (AGY-ST-COURTS-043, -045).	TxDMV waiver of title and registration requirements Mar. 16, 2020-Apr. 14, 2021 with county tax offices by appointment (TX-068, TX-069); GA-18 para. 2(i) local recording and permitting offices limited to May 1, 2020; Dallas County Clerk closed all offices to the public Mar. 24, 2020, recording for title companies only (AGY-ST-DMV-SOS-RECORDERS-114); Governor's suspension of notary personal-appearance statutes Apr. 8, 2020 until the disaster declaration lapses (AGY-044); Department of Banking and OCCC guidance (category).	Disaster declaration renewed Aug. 29, 2021 (TX-038); GA-38 from July 29 (TX-036); SB 968 (TX-032); Supreme Court Thirty-Ninth (eviction diversion) and Fortieth Emergency Orders (July 19 and Aug. 1-Oct. 1, 2021) (TX-041, TX-040); notary suspension (AGY-044); HB 1239, HB 1024 (TX-034, TX-033).	BR; SV; IN; CL; ML; OP; CB	SEC-13-065; TX-003; TX-008; TX-022; TX-025; TX-029; TX-032; TX-033; TX-034; TX-036; TX-038; TX-040; TX-041; TX-057; TX-058; TX-060; TX-066; TX-068; TX-069; AGY-ST-DMV-SOS-RECORDERS-044; AGY-ST-DMV-SOS-RECORDERS-114; AGY-ST-UTILITIES-HOUSING-AG-074; AGY-ST-UTILITIES-HOUSING-AG-075	Primary source read
UtahUT	UT	Stay Safe, Stay Home Directive Mar. 27-May 1, 2020 (telework directive; gatherings) (UT-004); county stay-home orders (Salt Lake, Summit, Davis, Weber-Morgan, Wasatch) Mar.-May 2020 (UT-054, UT-055; SLC metro); UPHO color-coded phases and statewide mask mandate Nov. 9, 2020-Apr. 10, 2021; UPHO 2020-17 statewide public health emergency into Q3 2021 (UT-025).	EO 2020-13 (Apr. 2, 2020) suspending residential evictions for COVID-related job loss to May 15, 2020 (UT-006); Supreme Court: non-emergency matters continued and hearings remote from Mar. 13, 2020; jury trials suspended May 1, 2020 to spring 2021 (UT-047 to UT-049).	Insurance Department Bulletin 2020-3 (Mar. 26, 2020) premium holiday and closures guidance (UT-057); Bulletin 2020-2 (Mar. 23, 2020) business-interruption claims (UT-061).	DMV counter service curtailed and registration enforcement suspended Apr. 30-May 15, 2020 (UT-011); Department of Financial Institutions (category); permanent remote online notarization (category).	UPHO 2020-17 (UT-025); Supreme Court and Judicial Council orders: courthouse masks from July 30, 2021, remote appellate arguments through Sept. 30, 2021 (UT-050 to UT-053); Test to Stay statute (UT-046); no moratorium.	BR; SV; IN; CL; OP	UT-004; UT-006; UT-011; UT-025; UT-046; UT-047; UT-048; UT-049; UT-050; UT-051; UT-052; UT-053; UT-054; UT-055; UT-057; UT-061	Primary source read
VermontVT	VT	Addendum 5 work-from-home order (Mar. 23, 2020) and Addendum 6 Stay Home/Stay Safe (Mar. 24-May 15, 2020): every non-critical in-person business suspended; the critical-business list conditioned banking to 'ATM-and-drive-through' operation (VT-009, VT-010); mandatory health and safety requirements and masks (Aug. 1, 2020) on every employer to June 15, 2021; Addenda reciting 'moratoria on evictions' as remaining in place (VT-037 to VT-039).	Act 101 (S.333; May 14, 2020): all pending and new ejectment and foreclosure actions and writs stayed from Mar. 13, 2020 to 30 days after the emergency ended (July 15, 2021) (Ex. SEC-13-104 / VT-046); Administrative Order 49 judicial emergency Mar. 16, 2020 to Mar. 1, 2022 with CARES Act certifications (secs. 21-22) and the CFPB certification from Aug. 31, 2021 (VT-049, VT-052, VT-062).	DFR Insurance Bulletins 210, 211, 217, 218 (2020) and telehealth rule (VT-064 to VT-069, VT-077); DFR Emergency Rule H-2021-01-E binding insurers July 1, 2021-Mar. 31, 2022 (VT-070).	Gubernatorial Directive 3 (Mar. 18, 2020) suspending DMV in-person transactions with 90-day extensions, appointment services from June 8, 2020 (VT-006); Act 95 (Apr. 28, 2020) remote notarial acts to July 15, 2021 (AGY-ST-DMV-SOS-RECORDERS-050); in-person real-estate transactions suspended Apr. 10, 2020 (VT-014 para. 3(A)); town clerks to record remotely notarized deeds (Act 95 sec. 3).	Act 101 stay to July 15, 2021 (Ex. SEC-13-104); Act 95 to July 15, 2021 (AGY-050); A.O. 49 extended Sept. 1 to Nov. 1, 2021 with limited-entry courthouses and PG-13 masks for all visitors from July 6 and Sept. 1, 2021 (VT-061, VT-059, VT-060); DFR H-2021-01-E (VT-070); EO 06-21 (VT-044); State-employee vaccination requirements Sept. 1 and 15, 2021 (VT-083, VT-085).	BR; AT; SV; IN; ML; CL; OP	SEC-13-104; VT-006; VT-009; VT-010; VT-014; VT-037; VT-044; VT-046; VT-049; VT-052; VT-059; VT-060; VT-061; VT-062; VT-064; VT-069; VT-070; VT-077; VT-083; VT-085; AGY-ST-DMV-SOS-RECORDERS-050	Primary source read
VirginiaVA	VA	EO 53 (Mar. 23, 2020) non-essential retail closed; EO 55 stay-at-home Mar. 30-June 10, 2020 with financial institutions essential and telework encouraged (VA-006); Phase Three EO 67 mandatory sector requirements (July 1, 2020) (VA-016); EO 63 masks May 29, 2020-May 28, 2021; 16VAC25-220 DOLI emergency temporary standard (July 27, 2020) and permanent standard (Jan. 27, 2021) binding 'every employer, employee, and place of employment' through Q3 2021, amended Sept. 8, 2021 (VA-037, VA-038).	Supreme Court of Virginia judicial emergency Mar. 16, 2020 extended without interruption into 2022 (VA-039, VA-041, VA-042); amendment to the Eighth Order suspending writs of eviction for nonpayment Aug. 10-Sept. 7, 2020 (VA-040).		Electronic notarization permanent (Va. Code 47.1-2; AGY-ST-DMV-SOS-RECORDERS-048, context); Fairfax, Arlington and Alexandria clerks under DCM metro orders.	16VAC25-220 all quarter (VA-037), amended Sept. 8, 2021 (VA-038); Supreme Court Twenty-Sixth through Twenty-Ninth judicial emergency orders (VA-041, VA-042); ED 18 (Aug. 5, eff. Sept. 1, 2021) State-employee and contractor vaccination-or-testing and masks (VA-045).	BR; SV; OP; ML; CL	VA-006; VA-016; VA-037; VA-038; VA-039; VA-040; VA-041; VA-042; VA-045
WashingtonWA	WA	Proclamation 20-25 Stay Home - Stay Healthy Mar. 23-May 31, 2020: non-essential businesses at minimum basic operations; financial services essential under the State's Essential Critical Infrastructure Workers list; real-estate and mortgage guidance Mar. 27, 2020 (WA-016, WA-017, WA-031); Proclamation 20-46 high-risk employee mandate on every employer Apr. 13, 2020-June 28, 2021 (WA-027, WA-068); Safe Start phases and 'no mask no service' (WA-040); Order 20-03 masks; Healthy Washington Phase 1 professional services 'remote work strongly encouraged, 25% capacity otherwise' Jan. 11, 2021 (WA-056, WA-064); offices telework mandated 25 percent Nov. 17, 2020-Jan. 2021 (WA-047); L&I COVID-19 rule (WA-099); Washington Ready July 1, 2021 with employer vaccination-verification duties (WA-072); Order 20-03.4 and Proclamation 20-25.15 (Aug. 23, 2021): every person masked indoors, businesses prohibited from admitting unmasked persons (WA-078, WA-080).	Proclamation 20-19 (Mar. 18, 2020) eviction moratorium (Ex. SEC-13-062 / WA-013) extended through 20-19.6 to June 30, 2021 (WA-060); Proclamation 21-09 (June 29, eff. July 1-Sept. 30, 2021) tenancy-preservation bridge (Ex. SEC-13-063 / WA-069) and 21-09.1 (Sept. 24, 2021) to Oct. 31, 2021 (Ex. SEC-13-064 / WA-086); Proclamation 20-49 garnishments barred from Apr. 14, 2020, extended into 2021 (WA-028); Supreme Court orders suspending jury trials and non-emergency matters Mar. 18-July 6, 2020 and remote-proceeding presumptions Oct. 13, 2020 and Feb. 19, 2021 through Q3 2021 (WA-090 to WA-094).	OIC Emergency Order 20-02 (Mar. 24, 2020) grace periods for health carriers, renewed to May 23, 2020 (WA-096); OIC Emergency Order 20-03 (Mar. 25, 2020) property and casualty grace periods, renewed to May 9, 2020 and beyond (WA-097).	Proclamations 20-15 and 20-41 DOL in-person licensing suspended and renewals extended Mar. 16, 2020 into 2022 (WA-011, WA-025); Proclamation 20-27 electronic notary Mar. 24, 2020-Oct. 1, 2020 (WA-019); Public Records Act in-person access suspended (Proclamation 20-28; WA-020); King County Recorder (category); DFI guidance (category).	Proclamations 21-09 and 21-09.1 (Exs. SEC-13-063, -064); Proclamation 20-49 garnishments (WA-028); Washington Ready employer duties (WA-072, WA-101); Order 20-03.3 (to Aug. 22) then 20-03.4 and 20-25.15 universal indoor masks from Aug. 23, 2021 (WA-070, WA-078, WA-080); 20-25.16 (Sept. 3) barring landlord penalties for tenants requiring masks or vaccination proof (WA-082); L&I rule (WA-099); DOL proclamations (WA-011, WA-025); Supreme Court 25700-B-658 (WA-094) and judicial-branch vaccination (WA-095); Proclamation 20-23 utility series to Sept. 30, 2021 (WA-014).	BR; SV; IN; ML; CL; OP; WF; CB	SEC-13-062; SEC-13-063; SEC-13-064; WA-011; WA-013; WA-014; WA-016; WA-017; WA-019; WA-020; WA-025; WA-027; WA-028; WA-031; WA-040; WA-047; WA-056; WA-060; WA-064; WA-068; WA-069; WA-070; WA-072; WA-078; WA-080; WA-082; WA-086; WA-090; WA-094; WA-095; WA-096; WA-097; WA-099; WA-101	Primary source read
West VirginiaWV	WV	EO 9-20 stay-at-home Mar. 24-May 4, 2020: non-essential businesses ceased; 'financial institutions' and 'real estate, appraisal and title services' Essential (sec. 3(u)) under distancing (WV-009); safer-at-home framework with 50 percent seating and section 6 duties on non-essential businesses over ten employees (WV-026, WV-033, WV-034); Face Covering Order July 7, 2020-June 20, 2021 (WV-041, WV-051, WV-066); EO 12-21 ended capacity and gathering limits Apr. 20, 2021 (WV-063).	No gubernatorial moratorium; Supreme Court of Appeals judicial emergency staying non-emergency proceedings Mar. 23-May 15, 2020 (WV-069 to WV-073); county courthouse and clerk access restrictions (WV-005); delinquent-tax redemption and auction rules suspended (EO 19-20, EO 73-20; read, not saved).	Insurance Commissioner Emergency Orders 20-EO-01 (Mar. 13-Oct. 15, 2020; insurance emergency), 20-EO-02 (Mar. 18, 2020; cancellations, premiums, workers' compensation audits; modified Oct. 15, 2020; rescinded Mar. 24, 2023) and 20-EO-03 (Mar. 23, 2020; workers' compensation) (WV-075 to WV-077); 20-EO-09 (Oct. 15, 2020) modifying and rescinding (WV-078); 23-EO-01 rescission (WV-079).	EO 7-20 vehicle-inspection suspension to Oct. 1, 2021 (WV-007, WV-067); EO 11-20 remote notarization for court reporters and notaries (read, not saved; category); Division of Financial Institutions guidance (category).	State of Emergency all quarter (WV-001, WV-067); Insurance Commissioner 20-EO-02 and 20-EO-03 as modified by 20-EO-09 (WV-076 to WV-078); EO 12-21 para. 2 preserved instruments (WV-063); EO 7-20 inspection suspension to Oct. 1, 2021 (WV-007, WV-067); SB 12 (WV-081); court remote-rules suspension (WV-073).	BR; SV; IN; ML; CL; OP	WV-001; WV-005; WV-007; WV-009; WV-026; WV-033; WV-041; WV-051; WV-063; WV-066; WV-067; WV-069; WV-073; WV-075; WV-076; WV-077; WV-078; WV-079; WV-081	Primary source read
WisconsinWI	WI	Emergency Order 12 Safer at Home (Mar. 25-May 13, 2020): all individuals ordered to stay at home; all non-essential businesses to cease activities at facilities; financial institutions Essential (sec. 13) under Social Distancing Requirements; landlords to avoid entering leased premises (sec. 3) (WI State file); EO 12 struck by Wisconsin Legislature v. Palm (May 13, 2020); Emergency Order 1 face coverings Aug. 1, 2020-Mar. 31, 2021 (struck Mar. 31, 2021); county and city health orders (Dane County, Milwaukee) under Wis. Stat. 252.03 (WI-039; MKE).	DHS Emergency Order 15 (Mar. 27, 2020) eviction and foreclosure moratorium to May 26, 2020 (WI-033, verified_secondary, scanned); Supreme Court orders of June 5 and Oct. 21, 2020 recording the CARES Act and CDC moratoria in Wisconsin eviction filings (WI-030, WI-031); in-person proceedings suspended Mar. 22, 2020, county-plan regime with mandatory face coverings May 22, 2020-May 21, 2021 (WI-025 to WI-029).	OCI Bulletin of Mar. 20, 2020 (policyholder flexibility; deemed-approval filings disapproved; on-site examinations suspended) (Ex. SEC-13-080 / WI-041; AGY-ST-INSURANCE-BANKING-058 reference); 2019 Act 185 (Wis. Stat. 102.03(6)) workers' compensation (AGY-ST-UTILITIES-HOUSING-AG-069).	WisDOT DMV service centers closed Mar. 20, appointment-only from Mar. 23, 2020 with 60-day extensions to July 25, 2020 and renewals extended to Jan. 21, 2021 (AGY-ST-DMV-SOS-RECORDERS-007, -009, -010); Milwaukee Downtown DMV closed to Apr. 5, 2021 (AGY-011); Department of Financial Institutions (category).	No statewide gubernatorial or DHS order; Wis. Stat. 252.03 and 252.06 exercised by local health officers (WI-039; Becker v. Dane County, WI-024); Supreme Court May 21, 2021 county-by-county court order (WI-029); Dane County face-covering order Aug. 19, 2021 and Milwaukee instruments (MKE); federal layer.	BR; SV; IN; CL; ML; OP	SEC-13-080; WI-024; WI-025; WI-029; WI-030; WI-031; WI-033; WI-039; WI-041; AGY-ST-DMV-SOS-RECORDERS-007; AGY-ST-DMV-SOS-RECORDERS-009; AGY-ST-DMV-SOS-RECORDERS-010; AGY-ST-DMV-SOS-RECORDERS-011; AGY-ST-UTILITIES-HOUSING-AG-069	Primary source read (EMO 15 secondary)
WyomingWY	WY	No stay-home order; Statewide Public Health Orders #1-#3 (Mar. 19-20, 2020) closed restaurants, bars, gyms, theaters, personal services and schools and banned gatherings of ten, continued in numbered Continuations to May 31, 2021 with seated-service, capacity and staff face-covering conditions (WY-004 to WY-058); Statewide Order #4 face coverings Dec. 9, 2020-Mar. 15, 2021 (WY-040, WY-048); EO 2020-2 emergency to Mar. 15, 2022 (WY-001).	No moratorium; Wyoming Supreme Court Order Adopting Temporary Plan (Mar. 18, 2020) suspending in-person proceedings, jury moratorium to Aug. 3, 2020, procedural orders extended thirteen times to July 7, 2022 and terminated Feb. 1, 2023 (WY-003, WY-007, WY-019, WY-023, WY-062).	Department of Insurance bulletins (category only).	County DMV and clerk offices (category); Division of Banking (category); permanent remote notarization (category).	EO 2020-2 (WY-001); W.S. 35-1-310 and 35-1-240(c) from July 1, 2021 limiting new health orders (WY-055); Supreme Court Temporary Plan and remote-procedure orders (WY-062); Teton District Order #21-5 (Aug. 26-Sept. 4, 2021); University of Wyoming mask and testing (WY-060, WY-061); no statewide public health order (WY-059).	BR; SV; OP	WY-001; WY-003; WY-004; WY-007; WY-019; WY-023; WY-040; WY-048; WY-055; WY-058; WY-059; WY-060; WY-062	Primary source read (insurance, banking and DMV category)

Sector instruments in the Library

The 73 instruments filed under this industry's own sector: regulators' rules and orders, federal directives aimed at it, and the context documents that describe them, in date order. Open the list in the Library to filter by type and quarter, or download the exhibits.

Exhibit	Instrument	Issuer	Date	Types	Quarters
Ex. SEC-13-017	15 U.S.C. 1681s-2(a)(1)(F) (Reporting information during COVID-19 pandemic)Responsibilities of furnishers of information to consumer reporting agencies: reporting information during COVID-19 pandemic	Congress (CARES Act sec. 4021, Pub. L. 116-136, 134 Stat. 281, 489), codified at 15 U.S.C. 1681s-2(a)(1)(F)	Jan. 31, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-002	Interagency Statement on Pandemic PlanningInteragency Statement on Pandemic Planning (update of the 2007 statement)	Federal Financial Institutions Examination Council (FRB, FDIC, NCUA, OCC, CFPB, State Liaison Committee)	Mar. 6, 2020	Workplace rulesOther	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-003	Joint press release: Agencies encourage financial institutions to meet financial needs of customers and members affected by coronavirusAgencies encourage financial institutions to meet financial needs of customers and members affected by coronavirus	Federal Reserve Board, CFPB, FDIC, NCUA, OCC and Conference of State Bank Supervisors	Mar. 9, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-028	Regulatory Notice 20-08Pandemic-Related Business Continuity Planning, Guidance and Regulatory Relief	Financial Industry Regulatory Authority (self-regulatory organization under SEC oversight)	Mar. 9, 2020	Telework mandateOther	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-004	FIL-17-2020Regulatory Relief: Working with Customers Affected by the Coronavirus	Federal Deposit Insurance Corporation	Mar. 13, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-025	Investment Advisers Act Release No. IA-5463 and Investment Company Act Release No. IC-33817 (Mar. 13, 2020) (conditional exemptive orders)Order Under Section 206A of the Investment Advisers Act of 1940 Granting Exemptions From Specified Provisions of the Investment Advisers Act…	Securities and Exchange Commission	Mar. 13, 2020	Gathering capOther	2020 Q2
Ex. SEC-13-035	SR 20-4 / CA 20-3Supervisory Practices Regarding Financial Institutions Affected by Coronavirus	Board of Governors of the Federal Reserve System (Division of Supervision and Regulation; Division of Consumer and Community Affairs)	Mar. 13, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-006	Letter to Credit Unions 20-CU-02NCUA Actions Related to COVID-19	National Credit Union Administration (Chairman Rodney E. Hood)	Mar. 16, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-050	Executive Order N-28-20Executive Order N-28-20 (suspension of statutory preemption of local eviction and foreclosure protections; request to financial…	Governor Gavin Newsom	Mar. 16, 2020	Other	2020 Q22020 Q3
Ex. SEC-13-103	Emergency Order #4 Pursuant to Executive Order 2020-04Temporary prohibition on evictions and foreclosures	Governor Christopher T. Sununu	Mar. 17, 2020	Courts and public officesOther	2020 Q2
Ex. SEC-13-023	FAQs About Families First Coronavirus Response Act and Coronavirus Aid, Relief, and Economic Security Act Implementation Part 42FAQs Part 42	Departments of Labor, Health and Human Services and the Treasury	Mar. 18, 2020	Health care ordersOther	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-062	Proclamation 20-19 (amending Proclamation 20-05)Evictions (temporary statewide prohibition of residential eviction activity)	Governor Jay Inslee	Mar. 18, 2020	Courts and public officesOther	2020 Q2
Ex. SEC-13-016	USDA Rural Development Stakeholder Announcements: Foreclosure and Eviction Relief for Single Family Housing Guaranteed and Direct loans (Mar. 19-20, 2020) and the May 14, 2020 extension bulletinForeclosure and Eviction Relief, COVID-19 National Emergency	USDA Rural Development (Rural Housing Service)	Mar. 19, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-047	Executive Order No. 106Moratorium on removals of individuals from residential properties as the result of eviction or foreclosure proceedings	Governor Philip D. Murphy	Mar. 19, 2020	Courts and public officesOther	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-077	Bulletin 252COVID-19: Moratorium on Policy Cancellations and Non-Renewals (60 days); Cost-Sharing and Prior Authorizations for COVID-19 Testing…	Indiana Department of Insurance (Commissioner Stephen W. Robertson)	Mar. 19, 2020	Health care ordersOther	2020 Q2
Ex. SEC-13-093	Executive Order No. 7GProtection of Public Health and Safety During COVID-19 Pandemic and Response - Presidential Primary Postponement and Additional Public…	Governor Ned Lamont	Mar. 19, 2020	Business closureHealth care ordersAlcohol and barsCourts and public offices	2020 Q22020 Q32020 Q42021 Q1
Ex. SEC-13-075	ODI Bulletin 2020-03Health Insurance Coverage Flexibility for Ohio Employees (60-day premium grace period; continuation of coverage for employees with reduced…	Ohio Department of Insurance (Director Jillian Froment)	Mar. 20, 2020	Workplace rulesOther	2020 Q22020 Q32020 Q42021 Q12021 Q2
Ex. SEC-13-076	PC Bulletin No. 2020-01PC Bulletin 2020-01 (Coronavirus (COVID-19)): continuity of operations, business-interruption information, 45-day premium grace period…	Insurance Commissioner Glen Mulready (Oklahoma Insurance Department)	Mar. 20, 2020	Other	2020 Q2
Ex. SEC-13-078	Bulletin 2020-006Request to All Insurance Companies Regarding Consumers Affected by COVID-19 and the Emergency Public Health Measures	Superintendent of Insurance Russell Toal (Office of Superintendent of Insurance)	Mar. 20, 2020	Other	2020 Q22020 Q3
Ex. SEC-13-080	OCI Bulletin of March 20, 2020, Complying with Regulatory Requirements during the Public Health EmergencyComplying with Regulatory Requirements during the Public Health Emergency (policyholder flexibility; deemed-approval filings disapproved…	Commissioner of Insurance Mark V. Afable (Office of the Commissioner of Insurance)	Mar. 20, 2020	Other	2020 Q2
Ex. SEC-13-095	Executive Order 2020-19Temporary prohibition against entry to premises for the purpose of removing or excluding a tenant or mobile home owner from their home	Governor Gretchen Whitmer	Mar. 20, 2020	Courts and public officesOther	2020 Q22020 Q3
Ex. SEC-13-046	Executive Order 202.8Continuing Temporary Suspension and Modification of Laws Relating to the Disaster Emergency (100 percent in-person workforce reduction…	Governor Andrew M. Cuomo	Mar. 22, 2020	Stay-at-homeBusiness closureTelework mandateCourts and public officesOther	2020 Q2
Ex. SEC-13-011	FHFA news release: FHFA Moves to Provide Eviction Suspension Relief for Renters in Multifamily PropertiesFHFA Moves to Provide Eviction Suspension Relief for Renters in Multifamily Properties	Federal Housing Finance Agency (Director Mark Calabria), directing Fannie Mae and Freddie Mac	Mar. 23, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-065	Commissioner's Bulletin # B-0007-20COVID-19: Claim-handling deadlines and premium payments	Commissioner of Insurance (Texas Department of Insurance)	Mar. 23, 2020	Other	2020 Q22020 Q3
Ex. SEC-13-102	Executive Order 20-10Temporarily prohibiting certain foreclosures and evictions	Governor Laura Kelly	Mar. 23, 2020	Courts and public officesOther	2020 Q2
Ex. SEC-13-001	Statement by Secretary Steven T. Mnuchin on Essential Financial Services Workers (press release SM956), transmitting the memorandum Financial Services Sector Essential Critical Infrastructure WorkersStatement by Secretary Steven T. Mnuchin on Essential Financial Services Workers	Secretary of the Treasury Steven T. Mnuchin	Mar. 24, 2020	Business closureOther	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-041	3 NYCRR Part 119 (emergency regulation), Emergency Relief for New Yorkers Who Can Demonstrate Financial Hardship as a Result of COVID-19New Part 119 to 3 NYCRR: Emergency Relief for New Yorkers Who Can Demonstrate Financial Hardship as a Result of COVID-19	Superintendent of Financial Services Linda A. Lacewell (Department of Financial Services)	Mar. 24, 2020	Other	2020 Q22020 Q3
Ex. SEC-13-081	Bulletin 2020-3, as amendedMoratorium on Policy Cancellations/Non-Renewals for Policyholders Impacted by the COVID-19 Pandemic	Commissioner of Insurance Mike Chaney (Mississippi Insurance Department)	Mar. 24, 2020	Other	2020 Q2
Ex. SEC-13-082	Emergency Executive Order 20-14Suspending Evictions and Writs of Recovery During the COVID-19 Peacetime Emergency	Governor Tim Walz	Mar. 24, 2020	Courts and public officesOther	2020 Q22020 Q3
Ex. SEC-13-085	Executive Order 2020-14Postponement of Eviction Actions	Governor Douglas A. Ducey	Mar. 24, 2020	Courts and public officesOther	2020 Q22020 Q3
Ex. SEC-13-106	Sixth Modification of the Declaration of a State of Emergency for the State of Delaware Due to a Public Health ThreatSixth Modification (elections; evictions; foreclosures; utilities; insurance non-lapse; procurement)	Governor John C. Carney	Mar. 25, 2020	Courts and public officesWorkplace rulesOther	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-097	Executive Order 2020-257 (Healthy at Home)Healthy at Home: closure of all non-life-sustaining businesses; suspension of residential evictions; government in-person services suspended	Governor Andy Beshear	Mar. 26, 2020	Stay-at-homeBusiness closureTelework mandateCourts and public officesOther	2020 Q22020 Q3
Ex. SEC-13-051	Executive Order N-37-20Executive Order N-37-20 (statewide restriction on enforcement of residential evictions for COVID-19-related nonpayment)	Governor Gavin Newsom	Mar. 27, 2020	Courts and public officesOther	2020 Q22020 Q3
Ex. SEC-13-060	Executive Order 2020-16 (COVID-19 Executive Order No. 14)Executive Order in Response to COVID-19 (suspension of vehicle repossessions; security-training classroom requirements)	Governor JB Pritzker	Mar. 27, 2020	Other	2020 Q22020 Q32020 Q42021 Q1
Ex. SEC-13-048	Department of Banking and Insurance Bulletin No. 20-1590-Day Grace Period for Property and Casualty Insurance Premium Payments Due to the Disruption Caused by COVID-19	Commissioner of Banking and Insurance Marlene Caride	Apr. 1, 2020	Other	2020 Q22020 Q3
Ex. SEC-13-009	Joint Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the COVID-19 Emergency and the CARES Act	CFPB, Federal Reserve Board, FDIC, NCUA, OCC and State Banking Regulators (CSBS)	Apr. 3, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-071	Order of the Governor No. 20-04-03-01Amending and Restating the Order Dated March 16, 2020, Temporarily Prohibiting Evictions of Tenants Suffering Substantial Loss of Income Due…	Governor Lawrence J. Hogan, Jr.	Apr. 3, 2020	Courts and public officesOther	2020 Q22020 Q32020 Q4
Ex. SEC-13-092	Executive Order No. 7XProtection of Public Health and Safety During COVID-19 Pandemic and Response - Renter Protections, Extended Class Cancellation and Other…	Governor Ned Lamont	Apr. 10, 2020	Business closureSchools and child careCourts and public officesOther	2020 Q2
Ex. SEC-13-094	D.C. Act 23-286, COVID-19 Response Supplemental Emergency Amendment Act of 2020COVID-19 Response Supplemental Emergency Amendment Act of 2020 (sec. 202, Mortgage relief: mandatory 90-day deferment program)	Council of the District of Columbia (emergency act); signed by Mayor Muriel Bowser	Apr. 10, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-108	Enrolled Senate Bill 241 (2020), ch. 10 SLA 2020Extending the March 11, 2020, governor's declaration of a public health disaster emergency... forbearance of specified state loans…	Alaska Legislature (31st Legislature); signed by Governor Mike Dunleavy	Apr. 10, 2020	Emergency declarationCourts and public officesOther	2020 Q2
Ex. SEC-13-056	Bulletin 2020-3Premium Refunds, Credits, and Reductions in Response to COVID-19 Pandemic	Insurance Commissioner Ricardo Lara (California Department of Insurance)	Apr. 13, 2020	Other	2020 Q22020 Q3
Ex. SEC-13-033	Guidance on the Essential Critical Infrastructure Workforce, Version 3.0Advisory Memorandum on Identification of Essential Critical Infrastructure Workers During COVID-19 Response, Version 3.0	Cybersecurity and Infrastructure Security Agency, DHS	Apr. 17, 2020	Business closureOther	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-072	Chapter 65 of the Acts of 2020An Act Providing for a Moratorium on Evictions and Foreclosures During the COVID-19 Emergency	Massachusetts General Court; approved by Governor Charles D. Baker	Apr. 20, 2020	Courts and public officesOther	2020 Q22020 Q32020 Q4
Ex. SEC-13-059	Executive Order 2020-30 (COVID-19 Executive Order No. 28)Executive Order in Response to COVID-19 (residential eviction filings barred; non-residential eviction enforcement barred; consular…	Governor JB Pritzker	Apr. 23, 2020	Courts and public officesOther	2020 Q22020 Q32020 Q4
Ex. SEC-13-007	Regulation D: Reserve Requirements of Depository Institutions (interim final rule), 85 Fed. Reg. 23445 (Apr. 28, 2020), Docket No. R-1715Regulation D: Reserve Requirements of Depository Institutions	Board of Governors of the Federal Reserve System	Apr. 24, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-020	Extension of Certain Timeframes for Employee Benefit Plans, Participants, and Beneficiaries Affected by the COVID-19 Outbreak (Joint Notice), 85 Fed. Reg. 26351 (May 4, 2020)Extension of Certain Timeframes for Employee Benefit Plans, Participants, and Beneficiaries Affected by the COVID-19 Outbreak	Department of Labor (EBSA) and Department of the Treasury (IRS)	May 4, 2020	Other	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-104	Act No. 101 of 2020 (S.333)An act relating to establishing a moratorium on ejectment and foreclosure actions during the COVID-19 emergency	Vermont General Assembly; approved by Governor Phil Scott	May 14, 2020	Courts and public officesOther	2020 Q22020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-057	Executive Order N-66-20Executive Order N-66-20 (extension of the N-28-20 local eviction and foreclosure protections, paras. 20-21, and other emergency suspensions)	Governor Gavin Newsom	May 29, 2020	Other	2020 Q22020 Q3
Ex. SEC-13-058	Executive Order N-71-20Executive Order N-71-20 (extension of N-28-20 eviction and foreclosure protections through Sept. 30, 2020; other suspensions)	Governor Gavin Newsom	June 30, 2020	Other	2020 Q22020 Q3
Ex. SEC-13-088	Enrolled House Bill 4204 (2020)Relating to strategies to protect Oregonians from the effects of the COVID-19 pandemic (mortgage forbearance and foreclosure moratorium)	Oregon Legislative Assembly (2020 First Special Session); approved by Governor Kate Brown June 30, 2020	June 30, 2020	Courts and public officesOther	2020 Q22020 Q32020 Q4
Ex. SEC-13-089	Enrolled House Bill 4213 (2020)Relating to evictions; and declaring an emergency (residential and commercial eviction moratorium; nonpayment grace period)	Oregon Legislative Assembly (2020 First Special Session); approved by Governor Kate Brown June 30, 2020	June 30, 2020	Courts and public officesOther	2020 Q22020 Q32020 Q42021 Q1
Ex. SEC-13-052	Assembly Bill 3088, Tenant, Homeowner, and Small Landlord Relief and Stabilization Act of 2020 (COVID-19 Tenant Relief Act of 2020, Code Civ. Proc. 1179.01 et seq.; COVID-19 Small Landlord and Homeowner Relief Act of 2020, Civ. Code 3273.01 et seq.)AB-3088 Tenancy: rental payment default: mortgage forbearance: state of emergency: COVID-19	California Legislature (AB 3088, Chiu); approved by Governor Newsom	Aug. 31, 2020	Courts and public officesOther	2020 Q32020 Q42021 Q12021 Q22021 Q3
Ex. SEC-13-090	Enrolled House Bill 4401 (2020)Relating to residential tenancies (eviction moratorium extension to June 30, 2021; landlord compensation fund)	Oregon Legislative Assembly (2020 Third Special Session); approved by Governor Kate Brown Dec. 23, 2020	Dec. 23, 2020	Courts and public officesOther	2020 Q42021 Q12021 Q2
Ex. SEC-13-053	Senate Bill 91, COVID-19 Tenant Relief Act extension and State Rental Assistance Program (Stats. 2021, ch. 2)SB-91 COVID-19 relief: tenancy: federal rental assistance	California Legislature (SB 91, Committee on Budget and Fiscal Review); approved by Governor Newsom Jan. 29, 2021	Jan. 29, 2021	Courts and public officesOther	2021 Q12021 Q2
Ex. SEC-13-021	EBSA Disaster Relief Notice 2021-01Guidance on Continuation of Relief for Employee Benefit Plans and Plan Participants and Beneficiaries Due to the COVID-19 (Novel…	Department of Labor, Employee Benefits Security Administration	Feb. 26, 2021	Other	2021 Q12021 Q22021 Q3
Ex. SEC-13-024	FAQs About FFCRA and CARES Act Implementation Part 44FAQs Part 44	Departments of Labor, Health and Human Services and the Treasury	Feb. 26, 2021	Health care ordersOther	2021 Q12021 Q22021 Q3
Ex. SEC-13-034	Housing insecurity and the COVID-19 pandemic (report)Housing insecurity and the COVID-19 pandemic	Bureau of Consumer Financial Protection (Office of Research)	Mar. 1, 2021	Other
Ex. SEC-13-061	Bulletin 2021-03Premium Refunds, Credits, and Reductions in Response to COVID-19 Pandemic (continued)	Insurance Commissioner Ricardo Lara (California Department of Insurance)	Mar. 11, 2021	Other	2021 Q12021 Q22021 Q3
Ex. SEC-13-010	Bulletin 2021-02: Supervision and Enforcement Priorities Regarding Housing Insecurity, 86 Fed. Reg. 17897 (Apr. 7, 2021)Bulletin 2021-02: Supervision and Enforcement Priorities Regarding Housing Insecurity	Bureau of Consumer Financial Protection	Apr. 1, 2021	Other	2021 Q22021 Q3
Ex. SEC-13-022	FAQs About COBRA Premium Assistance Under the American Rescue Plan Act of 2021 (with ARPA sec. 9501)FAQs About COBRA Premium Assistance Under the American Rescue Plan Act of 2021	Department of Labor, EBSA (implementing ARPA sec. 9501, Pub. L. 117-2)	Apr. 1, 2021	Other	2021 Q22021 Q3
Ex. SEC-13-008	Debt Collection Practices in Connection With the Global COVID-19 Pandemic (Regulation F) (interim final rule), 86 Fed. Reg. 21163 (Apr. 22, 2021)Debt Collection Practices in Connection With the Global COVID-19 Pandemic (Regulation F)	Bureau of Consumer Financial Protection	May 3, 2021	Courts and public officesOther	2021 Q22021 Q3
Ex. SEC-13-087	Assembly Bill No. 486 (2021)An Act relating to property; temporarily authorizing tenants subject to designated eviction proceedings to assert certain affirmative…	Nevada Legislature (81st Session); approved by Governor Steve Sisolak	June 4, 2021	Courts and public officesOther	2021 Q22021 Q3
Ex. SEC-13-109	Executive Order 2021-13 (COVID-19 Executive Order No. 82)Executive Order in Response to COVID-19 (residential eviction moratorium phase-out: Covered Persons; enforcement stay)	Governor JB Pritzker	June 11, 2021	Courts and public officesOther	2021 Q22021 Q3
Ex. SEC-13-074	Chapter 20 of the Acts of 2021An Act Relative to Extending Certain COVID-19 Measures Adopted During the State of Emergency	Massachusetts General Court; approved by Governor Charles D. Baker	June 16, 2021	Courts and public officesOther	2021 Q22021 Q3
Ex. SEC-13-091	Enrolled Senate Bill 278 (2021)Relating to residential tenancies (60-day eviction safe harbor for tenants who document a rental-assistance application)	Oregon Legislative Assembly (2021 Regular Session); approved by Governor Kate Brown	June 22, 2021	Courts and public officesOther	2021 Q22021 Q3
Ex. SEC-13-054	Assembly Bill 832, COVID-19 Rental Housing Recovery Act and extension of the COVID-19 Tenant Relief Act (Stats. 2021, ch. 27)AB-832 COVID-19 relief: tenancy: federal rental assistance	California Legislature (AB 832, Chiu); approved by Governor Newsom June 28, 2021	June 28, 2021	Courts and public officesOther	2021 Q22021 Q3
Ex. SEC-13-063	Proclamation 21-09 (amending Proclamation 20-05)Tenancy Preservation - A Bridge to E2SSB 5160	Governor Jay Inslee	July 1, 2021	Courts and public officesOther	2021 Q3
Ex. SEC-13-012	FHFA news release: FHFA Extends COVID-19 REO Eviction Moratorium Through September 30, 2021FHFA Extends COVID-19 REO Eviction Moratorium Through September 30, 2021	Federal Housing Finance Agency (Acting Director Sandra L. Thompson)	Aug. 1, 2021	Courts and public officesOther	2021 Q3
Ex. SEC-13-014	Mortgagee Letter 2021-19Extension of the Foreclosure-Related Eviction Moratorium and Expiration of the Foreclosure Moratorium in Connection with the…	HUD, Federal Housing Administration (Principal Deputy Assistant Secretary for Housing)	Aug. 1, 2021	Courts and public officesOther	2021 Q3
Ex. SEC-13-049	Executive Order No. 249Modification of Executive Order No. 106 (winding down the eviction and foreclosure removal moratorium)	Governor Philip D. Murphy	Aug. 4, 2021	Courts and public officesOther	2021 Q3
Ex. SEC-13-019	Chrysafis v. Marks, 594 U.S. ___ (Aug. 12, 2021) (order granting injunction pending appeal as to Part A of the COVID-19 Emergency Eviction and Foreclosure Prevention Act)On Application for Injunctive Relief	Supreme Court of the United States	Aug. 12, 2021	Courts and public offices	2021 Q3
Ex. SEC-13-018	Alabama Association of Realtors v. Department of Health and Human Services, 594 U.S. 758 (2021) (per curiam)On Application to Vacate Stay	Supreme Court of the United States	Aug. 26, 2021	Courts and public officesOther	2021 Q3
Ex. SEC-13-064	Proclamation 21-09.1 (amending Proclamations 20-05 and 21-09)Tenancy Preservation - A Bridge to E2SSB 5160 (extension)	Governor Jay Inslee	Sept. 24, 2021	Courts and public officesOther	2021 Q3

Third quarter of 2021: the instruments in force

The quarter the Service's letters most often dispute. The record shows these instruments in force on this industry's functions between July 1 and September 30, 2021; an order in force on any day of the quarter is an order in force during it, and the State, metropolitan and federal layers on the quarter page add to the list.

In force, July 1 – Sept. 30, 2021

FED-344 CFPB Reg X COVID rule (eff. Aug. 31, 2021; safeguards to Dec. 31, 2021)
SEC-13-008 CFPB Reg F IFR sec. 1006.9 (eff. May 3, 2021; through CDC order)
SEC-13-010 CFPB Bulletin 2021-02 (Apr. 1, 2021)
FED-025 CDC order to July 31, 2021
FED-026 CDC order Aug. 3-26, 2021 (vacated SEC-13-018)
FED-354/FED-364/FED-378/FED-384 federal foreclosure moratoria to July 31, 2021
SEC-13-012 FHFA REO eviction moratorium to Sept. 30, 2021
SEC-13-014 HUD ML 2021-19 eviction moratorium to Sept. 30, 2021
FED-379 VA Circular 26-21-14 to Sept. 30, 2021
FED-385 USDA eviction moratorium to Sept. 30, 2021
FED-364 HUD ML 2021-15 forbearance requests to Sept. 30, 2021
SEC-13-017 CARES sec. 4021 credit-reporting accommodations (through 120 days after the national emergency)
FED-340 CARES sec. 4022(b) forbearance (covered period)
FED-345 ED payment pause to Sept. 30, 2021 (extended Aug. 6, 2021 to Jan. 31, 2022)
FED-170/SEC-13-023/-024 FFCRA sec. 6001 and CARES secs. 3202-3203 coverage mandates (PHE renewed July 19, 2021)
SEC-13-022 ARPA sec. 9501 COBRA premium assistance Apr. 1-Sept. 30, 2021
SEC-13-020/-021 EBSA/IRS Outbreak Period tolling
SEC-13-054 California AB 832 to Sept. 30, 2021
NY-083/NY-085 and SEC-13-019 New York CEEFPA to Aug. 31, 2021 (Part A enjoined Aug. 12); NY-086 Ch. 417 of 2021 (Sept. 2) to Jan. 15, 2022
SEC-13-047/-049 New Jersey EO 106 as modified by EO 249 and P.L.2021, c.188 (Aug. 4)
SEC-13-109 Illinois EO 2021-13 and monthly successors to Oct. 3, 2021
SEC-13-063/-064 Washington Proclamation 21-09 (to Sept. 30) and 21-09.1 (Sept. 24; to Oct. 31)
SEC-13-091 Oregon SB 278
SEC-13-087 Nevada AB 486
SEC-13-074 Massachusetts Ch. 20 of 2021
Minnesota Laws 2021, 1st Spec. Sess., ch. 8, art. 5 (June 29, 2021; phase-out to Oct. 12, 2021 and June 1, 2022) (MN-042, verified_primary in the Minnesota State file)
Maryland EO 20-04-03-01 grace period to Aug. 15, 2021
Virginia Code sec.
Delta-wave mask and vaccination-proof orders governing branch lobbies: NV Directive 047 (July 30), Louisiana Proclamation 137 JBE 2021 (Aug. 2, eff. Aug. 4, 2021; not applicable to banks)
Cal/OSHA ETS, Oregon OSHA rule and Virginia 16 VAC 25-220 workplace standards binding every branch and office in those States
HHS PHE renewal July 19, 2021 (FED-016) and Proclamation 9994 continuation (FED-002) as predicates

The third quarter of 2021 across every State, and this industry's quarter analysis.

Group meetings, trade shows and seasons disrupted

The organizers' own notices of the trade shows, conventions, conferences and seasons of this industry that the orders cancelled, postponed or moved online: 55 notices, each graded and sourced. The Suspension Clause names “group meetings” in terms.

Date	Organizer notice	Grade	Exhibit and source
	Texas Bankers Association, 'TBA's 136th Annual Convention Returns to Downtown Austin' (hybrid: live Aug. 25-27, 2021; virtual Sept. 1-2, 2021)	Primary source read	Ex. SEC-13-GM-019 Open · Source
	NCUA Letter to Federal Credit Unions 20-FCU-02, 'NCUA Actions Related to COVID-19 - Annual Meeting Flexibility' (March 2020) (same instrument as Ex. AGY-FED-FINANCIAL-030)	Primary source read	Ex. SEC-13-GM-028 Open · Source
	FINRA, 2020 FINRA Annual Conference event page (as archived spring 2020): 'In response to the coronavirus disease (COVID-19) situation, FINRA has canceled the Annual Conference'	Primary source read	Ex. SEC-13-GM-031 Open · Source
	Texas Bankers Association, Texas Banking magazine feature (Feb. 2020): '136th Annual Convention in San Antonio features political and regulatory heavy-hitters' (convention 'to be held May 13-15 at the Hyatt Regency Hill Country Resort in San Antonio')	Primary source read	Ex. SEC-13-GM-101 Open · Source
	Consumer Bankers Association, 'CBA LIVE 2020 Highlights' page: 'CBA LIVE 2020, our first-ever virtual conference' (general sessions Sept. 29-30, 2020)	Primary source read	Ex. SEC-13-GM-102 Open · Source
	Consumer Bankers Association, 'Staying Safe' page for CBA LIVE 2021 (Orlando): 'CBA, the JW Marriott Orlando Grande Lakes and Orange County, Florida, will adhere to CDC guidelines'; 'Wear a Mask... at all times, unless eating or drinking'; 'maintain a minimum six-foot distance'	Primary source read	Ex. SEC-13-GM-103 Open · Source
	RIMS, 'RIMS 2020 - Letter to the World's Risk Management Community From RIMS President Laura Langone and RIMS CEO Mary Roth': 'For the first time in the Society's 70-year history... RIMS regretfully must cancel its 2020 Annual Conference & Exhibition'; 'RIMS has a membership of approximately 10,000 risk practitioners'	Primary source read	Ex. SEC-13-GM-112 Open · Source
	RIMS newsroom, 'RIMS LIVE 2021 Education Breakdown' (the Society's virtual 2021 conference)	Primary source read	Ex. SEC-13-GM-113 Open · Source
	Charles Schwab press release (Oct. 2021): 'Schwab IMPACT 2021 Brings Compelling Speaker Pairings and Enhanced Virtual Networking Opportunities to RIAs' ('The event, which will be virtual and live over two days,' Oct. 19-20, 2021; 'more than 13,000 independent advisory firms')	Primary source read	Ex. SEC-13-GM-115 Open · Source
	Money20/20 USA, 'Health and Safety' notice (as archived July 1, 2020): 'working closely with the City of Las Vegas, The Venetian, our vendors, and our sponsors to roll out a complete list of safety measures'; 'Capping access at 6,000 attendees'	Primary source read	Ex. SEC-13-GM-123 Open · Source
	Money20/20 USA, 'COVID-19 Safety Plan' (as archived Oct. 12, 2021): 'the State of Nevada and The Venetian currently requires everyone to wear face coverings or masks'; 'Evidence of a negative COVID test or proof that you have had at least one vaccination against COVID-19 will be required for attendance'; 'run according to the guidance of the Nevada State regulations'	Primary source read	Ex. SEC-13-GM-124 Open · Source
	Florida Association of Insurance Agents, Convention page (as archived Aug. 9, 2020): 'Exhibitors have three options to consider with Convention cancellation: Transfer their booth registration to our 2021 Convention...'; '117th Annual Convention & Education Symposium, June 16-18, 2021, Rosen Shingle Creek Resort, Orlando'	Primary source read	Ex. SEC-13-GM-125 Open · Source
	Texas Bankers Association, 'COVID-19 NOTICE' for the 2021 Annual Convention (Austin, Aug. 25-27, 2021): 'mitigate potential health risks associated with COVID-19 and the Delta variant... Masks and vaccines are not required to attend our events, however they are strongly recommended'	Primary source read	Ex. SEC-13-GM-127 Open · Source
Jan. 27, 2020	ICBA media advisory (Jan. 27, 2020): 'Community Bankers to Gather in Orlando for 2020 ICBA LIVE' ('the largest, most comprehensive educational and networking event for the nation's community bankers'; Sunday, Mar. 8 through Thursday, Mar. 12, 2020, Gaylord Palms Resort & Convention Center, Kissimmee, Fla.)	Primary source read	Ex. SEC-13-GM-129 Open · Source
Mar. 13, 2020	AFSA, 'AFSA Independents Conference & Expo Cancelled' (Mar. 13, 2020), quoting the Riverside County order cancelling events of 250 or more	Primary source read	Ex. SEC-13-GM-001 Open · Source
Mar. 17, 2020	LIMRA and LOMA news release (Windsor, Conn., Mar. 17, 2020): 'LIMRA and LOMA Cancel Face-To-Face Portion of Conferences in Light of Coronavirus' (2020 Customer Experience Conference, Mar. 25-27, New Orleans; 2020 Regulatory Compliance Exchange, Mar. 31-Apr. 2, Orlando; 2020 Life Insurance Conference, Apr. 20-22, and 2020 Retirement Industry Conference, Apr. 22-24, Salt Lake City)	Primary source read	Ex. SEC-13-GM-121 Open · Source
Apr. 7, 2020	SEC Division of Corporation Finance and Division of Investment Management, Staff Guidance for Conducting Shareholder Meetings in Light of COVID-19 Concerns (Mar. 13, 2020; updated Apr. 7, 2020) (same instrument as Ex. AGY-FED-FINANCIAL-053)	Primary source read	Ex. SEC-13-GM-029 Open · Source
Apr. 7, 2020	SEC Division of Corporation Finance and Division of Investment Management, 'Staff Guidance for Conducting Shareholder Meetings in Light of COVID-19 Concerns' (Mar. 13, 2020, as updated Apr. 7, 2020): changes of date, time or location; 'virtual' and 'hybrid' meetings 'governed by state law, where permitted, and the issuer's governing documents' (second capture; see also SEC-13-GM-029)	Primary source read	Ex. SEC-13-GM-126 Open · Source
Apr. 20, 2020	AFSA, '2020 Law & Compliance Symposium Cancelled' (Apr. 20, 2020) (June 2-4, 2020, Dallas)	Primary source read	Ex. SEC-13-GM-015 Open · Source
Apr. 21, 2020	NAFCU, 'NAFCU Annual Conference canceled' (Apr. 21, 2020): 53rd Annual Conference and Solutions Expo, June 23-26, Vancouver, cancelled 'As cases of coronavirus continue to rise and uncertainty remains'; Spring Regulatory Compliance School, Board of Directors and Supervisory Committee Conference and CEOs and Senior Executives Conference previously cancelled	Primary source read	Ex. SEC-13-GM-104 Open · Source
Apr. 30, 2020	Independent Agent magazine (Big 'I' house publication), '2020 Big I Virtual Legislative Conference Registration Open' (Apr. 30, 2020)	Primary source read	Ex. SEC-13-GM-008 Open · Source
May 11, 2020	HousingWire (Phil Hall), 'Ready to go back to a live mortgage industry event? MBA, NAR, NAMB and others test the waters' (May 11, 2020)	Confirmed from a secondary source	Ex. SEC-13-GM-016 Open · Source
May 12, 2020	SHRM, 'SHRM 2020 Annual Conference & Expo Canceled' (May 12, 2020)	Primary source read	Ex. SEC-13-GM-002 Open · Source
May 13, 2020	ABA Banking Journal, 'ABA Announces New Risk and Compliance Virtual Conference' (May 13, 2020) (July 28-30, 2020)	Primary source read	Ex. SEC-13-GM-014 Open · Source
May 15, 2020	FINRA, COVID-19 Frequently Asked Questions (2020 page; entries added Mar.-May 2020): Prometric test-center closure and extension of qualification examination windows	Primary source read	Ex. SEC-13-GM-030 Open · Source
May 27, 2020	ABA Banking Journal, 'OCC Rule Clarifies Virtual Meeting Options for National Banks, Federal Thrifts' (May 27, 2020)	Confirmed from a secondary source	Ex. SEC-13-GM-027 Open · Source
May 28, 2020	Office of the Comptroller of the Currency, interim final rule, Director, Shareholder, and Member Meetings, 85 Fed. Reg. 31943 (May 28, 2020) (RIN 1557-AE94), effective May 28, 2020 (same instrument as Ex. AGY-FED-FINANCIAL-020)	Primary source read	Ex. SEC-13-GM-026 Open · Source
June 9, 2020	AFSA, 'Save the Date! 2020 Combined Annual Meeting and Independents Conference & Expo, October 4-7 at the Grand America Hotel in Salt Lake City' (June 9, 2020)	Primary source read	Ex. SEC-13-GM-007 Open · Source
June 22, 2020	LIMRA news release (Windsor, Conn., June 22, 2020): 'Former White House Insiders to Speak at LIMRA's 2020 Virtual Annual Conference' (Oct. 26-28, 2020; 'Due to restrictions brought on by the pandemic, the conference will be virtual'; 'one of the largest gatherings of executives representing all sectors of the financial services industry')	Primary source read	Ex. SEC-13-GM-122 Open · Source
June 26, 2020	NAIC news release (Washington, June 26, 2020): registration open for the NAIC Summer 2020 National Meeting, 'which will be held in a virtual format over a three-week period beginning the week of July 27 and ending the week of August 10'	Primary source read	Ex. SEC-13-GM-120 Open · Source
July 1, 2020	CUNA News, 'Virtual events take center stage' (July 1, 2020): 'all CUNA staff started working remotely due to the coronavirus (COVID-19) pandemic. Many of CUNA's live events also shifted to virtual events'	Primary source read	Ex. SEC-13-GM-106 Open · Source
July 9, 2020	MDRT news release (Park Ridge, Ill., July 9, 2020): 'MDRT brings industry-leading conference experience to cyberspace with 2020 Virtual Event' starting Aug. 3, 2020, 'Rising to the challenge of bringing financial advisors together to help clients during the COVID-19 pandemic'; incorporates components of the in-person Annual Meeting and Global Conference	Primary source read	Ex. SEC-13-GM-109 Open · Source
July 28, 2020	Morningstar, Inc. press release (Chicago, July 28, 2020): 'Morningstar Investment Conference Digital Event Details and Agenda Now Available' ('will take place as a digital-only event Wednesday, Sept. 16 and Thursday, Sept. 17'; 'As uncertainty around the pandemic... persists')	Primary source read	Ex. SEC-13-GM-116 Open · Source
Aug. 4, 2020	AFSA, 'Going Virtual! 2020 Annual Meeting and Independents Conference & Expo' (Aug. 4, 2020)	Primary source read	Ex. SEC-13-GM-003 Open · Source
Aug. 31, 2020	CUNA press release (Madison and Washington, Aug. 31, 2020): the 2021 CUNA Governmental Affairs Conference 'would move to an interactive virtual format on March 2-4, 2021'; 'Each year, thousands of industry advocates come together at CUNA Governmental Affairs Conference'	Primary source read	Ex. SEC-13-GM-107 Open · Source
Sept. 15, 2020	NAIC news release (Washington, Sept. 15, 2020): 'NAIC Fall National Meeting to be Virtual Format' ('initially scheduled to be held in Indianapolis, Indiana, will now be held virtually. Due to the ongoing health challenges that are being associated with holding large in-person meetings in the midst of the COVID-19 pandemic')	Primary source read	Ex. SEC-13-GM-119 Open · Source
Sept. 21, 2020	Consumer Bankers Association press release, 'CBA LIVE 2020 to Feature Regulators, Bank CEO, Top Political Strategists; Kicks Off September 29 via virtual platform' (Sept. 21, 2020)	Primary source read	Ex. SEC-13-GM-004 Open · Source
Sept. 24, 2020	ABA Banking Journal, 'Gottlieb, McWilliams to Keynote ABA Unconventional Convention' (Sept. 24, 2020) (first-ever virtual annual convention, Oct. 19-20, 2020)	Primary source read	Ex. SEC-13-GM-011 Open · Source
Oct. 13, 2020	Charles Schwab press release (Oct. 13, 2020): 'Schwab Advisor Services to Celebrate 30th Anniversary of Schwab IMPACT' ('IMPACT 2020 will proceed for the first time as a virtual experience'; live sessions Oct. 27-28 and Nov. 2, 4, 9 and 11; 'more than 7,600 firms'; 'more than 90 speakers, 70 education sessions, and nearly 40 exhibitors')	Primary source read	Ex. SEC-13-GM-114 Open · Source
Oct. 19, 2020	Mortgage Bankers Association, 'Prepared Remarks of MBA President and CEO Bob Broeksmit, CMB, at the 2020 MBA Annual Convention and Expo' (Oct. 19, 2020): delivered 'at MBA's virtual 2020 Annual Convention & Expo'; 'This is not a normal convention. But then, this is not a normal year.'	Primary source read	Ex. SEC-13-GM-108 Open · Source
Nov. 4, 2020	AFSA, 'Start Your Engines for the 2021 Vehicle Finance Conference!' (Nov. 4, 2020) (conference to be held online Feb. 23-25, 2021)	Primary source read	Ex. SEC-13-GM-006 Open · Source
Dec. 21, 2020	Independent Agent magazine, '2021 Big I Legislative Conference Will Take Place Virtually' (Dec. 21, 2020), quoting Big 'I' president and CEO Bob Rusbuldt	Primary source read	Ex. SEC-13-GM-009 Open · Source
Jan. 15, 2021	ABA Banking Journal, 'Magic Johnson to Keynote Virtual Conference for Community Bankers' (Jan. 15, 2021)	Primary source read	Ex. SEC-13-GM-010 Open · Source
Jan. 21, 2021	NAFCU, 'NAFCU cancels 54th annual conference' (Jan. 21, 2021): 54th Annual Conference and Solutions Expo, July 27-30, 2021, Savannah, Georgia, cancelled 'Due to the ongoing coronavirus pandemic and the high volume of expected in-person attendees... in conjunction with feedback from our membership and CDC guidance'	Primary source read	Ex. SEC-13-GM-105 Open · Source
Jan. 22, 2021	CUNA, Governmental Affairs Conference page as archived Jan. 22, 2021: 'March 2-4, 2021, Virtual'	Primary source read	Ex. SEC-13-GM-022 Open · Source
Mar. 2, 2021	ICBA media advisory (Mar. 2, 2021): 'Community Bankers to Convene for ICBA Connect: ICBA national conference reimagined for 2021 as two-day virtual event' (Mar. 9-10, 2021)	Primary source read	Ex. SEC-13-GM-128 Open · Source
Mar. 16, 2021	ABA Banking Journal, 'Virtual Summit Begins Today; Manchin, Richmond Added to Speaker Lineup' (Mar. 16, 2021) (more than 3,400 attendees)	Primary source read	Ex. SEC-13-GM-012 Open · Source
May 19, 2021	MDRT news release (Park Ridge, Ill., May 19, 2021), Word file as posted by MDRT: 'MDRT Brings Timely Strategy to Life with the Innovative 2021 Annual Meeting Virtual Event' ('MDRT will host its members-only 2021 Annual Meeting Virtual Event June 7-9')	Primary source read	Ex. SEC-13-GM-110 Open · Source
June 1, 2021	NAIC news release (Kansas City, June 1, 2021): 'NAIC to Host Hybrid 2021 Summer National Meeting' ('a streamlined Summer National Meeting in a hybrid format... in Columbus, OH from August 13-17 for members and interested parties as capacity allows')	Primary source read	Ex. SEC-13-GM-118 Open · Source
June 6, 2021	Consumer Bankers Association press release, 'Acting Comptroller Hsu To Deliver Keynote In Person At CBA LIVE 2021' (June 6, 2021)	Primary source read	Ex. SEC-13-GM-005 Open · Source
June 30, 2021	Morningstar, Inc. press release (Chicago, June 30, 2021): 'Morningstar Announces Agenda for 2021 Morningstar Investment Conference' (hybrid, Sept. 22-24, 2021, McCormick Place; 'In-person attendees will be required to adhere to the safety protocols as mandated by the city, state, and McCormick Place')	Primary source read	Ex. SEC-13-GM-117 Open · Source
July 27, 2021	World Council of Credit Unions (on CUInsight), 'Jumping into the deep end: The first all-virtual World Credit Union Conference' (July 27, 2021)	Primary source read	Ex. SEC-13-GM-032 Open · Source
Sept. 14, 2021	NAFCU newsroom (Sept. 14, 2021): 'Caucus: NAFCU's Berger, James Carville discuss divisive political climate; lawmakers review the latest from the Hill' (Congressional Caucus sessions began Sept. 13, 2021, in Washington, with attendees present)	Primary source read	Ex. SEC-13-GM-111 Open · Source
Oct. 19, 2021	ABA Banking Journal, 'ABA Elects New Officers, Board Members for 2021-2022' (Oct. 19, 2021) (in-person annual convention; post-period)	Primary source read	Ex. SEC-13-GM-013 Open · Source
Dec. 7, 2022	NCUA Letter to Federal Credit Unions 22-FCU-03, 'Expiration of Emergency Exemption from Certain In-Person Meeting Requirements' (Dec. 2022), reciting the March 2020, November 2020 and November 2021 letters	Primary source read	Ex. SEC-13-GM-017 Open · Source

All cancelled meetings in the Library.

Read the analysis

The analysis of this industry runs to seven further pages. Each carries its own notes and exhibit links.

Part 1 of 7How a typical employer operatesThe functions of the business, its revenue lines, its workforce, its suppliers and counterparties, its seasons, and how the orders reached each of them.Part 2 of 7The orders by layerFederal, State, metro, sector regulator, standing duty and counterparty: the instruments that reached this industry, layer by layer, with exhibit links.Part 3 of 7The six quartersWhat was in force on this industry's functions in each quarter from 2020 Q2 through 2021 Q3, with the third quarter of 2021 answered instrument by instrument.Part 4 of 7Function by functionEach function of the business, the orders that reached it and the change they compelled, one function at a time.Part 5 of 7The interconnected economyHow orders on suppliers, customers, carriers and workers reached this industry, and why an order's effect on a business outlasts the order's end date.Part 6 of 7The Service's positions, answeredThe fourteen sentences the Service's letters use, each quoted and answered for this industry from the public record.Part 7 of 7FindingsThe conclusions for each of the six quarters and the standard of proof they meet.