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I missed my loan payment(s) because I lost my job as a result of COVID-19. Will I have to pay late fees?

Contact your bank to discuss your specific circumstances. The OCC has encouraged banks to work with customers who have been adversely affected by COVID-19. This might include allowing you to defer or skip payments without consequences, extend your loan terms, or restructure the loan.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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