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City of Clinton

News & Announcements

Coronavirus (COVID-19) Resources and Guidelines

Link to State Executive Orders

Safe Worship Guidelines

Governor Reeves has issued the Safe Worship Guidelines for churches as they prepare to welcome congregants back to their facilities. Click here for more...

Safer at Home

Governor Tate Reeves has Amended Executive Order 1477:

Safer at Home

Effective: May 7, 2020 at 8:00 A.M. through May 25, 2020 at 8:00 A.M.

Governor Reeves announced his new executive order at his daily press briefing on May 8, 2020.

In this latest executive order, the Governor lays out strict social distancing guidelines to begin the process of slowly and safely reopening salons, barbershops, and gyms, including:

SALONS & BARBERSHOPS:

For businesses:

  • Before they can reopen, the entire salon or barbershop must be deep-cleaned, disinfected, and sanitized top to bottom. After opening, salons and barbershops must be deep-cleaned daily.
  • All salons and barbershops are expected to take every step necessary to implement the regulations, orders, and guidance from the Mississippi State Department of Health and CDC to prevent the spread of COVID-19.
  • Hand sanitizer must be placed at all entrances.
  • Minimizing person-to-person contact through technology, like mobile or online reservations and contact-less payment, is encouraged.
  • Salons and barbershops must post signage at each entrance stating no customer with a fever or COVID-19 symptoms are allowed in.
  • Chairs are to be rearranged to ensure at least 6 feet between each customer and be sanitized after each use by a customer.
  • Only one customer per employee is allowed in the salon or barbershop at any given time.

For employees:

  • All employees will be screened daily at the beginning of their shifts, including asking whether they have been in contact with a confirmed case of COVID-19 in the past 14 days and have they had a fever in the last 48 hours.
  • Face coverings must be provided to all employees who come in direct contact with customers. Employees are required to wear that face covering throughout their shift and clean or replace daily.
  • Employees must also wear disposable gloves and change them between customers, as well as wash their hands between every customer.
  • All employees must be provided training on how to limit the spread of COVID-19.

For customers:

  • All waiting areas are to remain closed. Customers must wait in their vehicles until their appointment time and they are called for screening before entering.
  • Customers must sanitize their hands when entering and exiting.
  • Customers will be screened upon entry, including asking whether they have experienced any symptoms of COVID-19. 
  • Customers must wear a face covering, such as a cloth mask, while inside at all times, unless they're receiving a service that would be impeded by the covering.
  • Each customer must be draped with a clean cape, which are to be laundered after each use. A protective neck strip should also be placed around the neck of each customer getting a haircut.

GYMS:

For businesses:

  • Before they can reopen, the entire gym must be deep-cleaned, disinfected, and sanitized top to bottom. After opening, gyms must be deep-cleaned daily.
  • All gyms are expected to take every step necessary to implement the regulations, orders, and guidance from the Mississippi State Department of Health and CDC to prevent the spread of COVID-19.
  • Gyms must close to the public by 10:00 PM each day.
  • In addition to other gym staff, there must be at least one employee onsite during hours of operation dedicated to wiping down equipment after each use.
  • All high-touch areas must be sanitized at least once every two hours.
  • Exercise machines and equipment must be rearranged and.or deactivated to ensure at least 6 feet between customers.
  • Gyms must post signage at each entrance stating no customer with a fever or COVID-19 symptoms are allowed in.
  • Hand sanitizer must be placed at all entrances and throughout the gym floor.
  • All common areas must remain closed.

For employees:

  • All employees will be screened daily at the beginning of their shifts, including asking whether they have been in contact with a confirmed case of COVID-19 in the past 14 days and have they had a fever in the last 48 hours.
  • Face coverings must be provided to all employees who come in direct contact with customers. Employees are required to wear that face covering throughout their shift and clean or replace daily.
  • All employees must be provided training on how to limit the spread of COVID-19.
  • Every employee on the gym floor must wear disposable gloves to be changed at least once an hour.

For customers:

  • No more than 30% of the gym's maximum capacity. Gyms are encouraged to limit customers' time to a max of 1 hour per day.
  • Classes or group exercises are allowed with customers maintaining a minimum of a 6-foot distance apart.
  • Customers must sanitize their hands when entering and exiting the gym and when they move between equipment.

RESTAURANTS:

  • Before in-house dining can resume, the entire restaurant and bar must be deep-cleaned, disinfected, and sanitized top to bottom.
  • All restaurants and bars are expected to take every step necessary to implement the regulations, orders, and guidance from the Mississippi State Department of Health and CDC to prevent the spread of COVID-19.
  • All employees will be screened daily at the beginning of their shifts, including asking whether they have been in contact with a confirmed case of COVID-19 in the past 14 days and have they had a fever in the last 48 hours.
  • Cloth masks must be provided to all employees who come in direct contact with customers. Employees are required to wear that mask throughout their shift.
  • All employees must be provided training on how to limit the spread of COVID-19.
  • No more than 50% seating capacity in both indoor and outdoor dining areas, and floor plans must be updated to ensure at least 6 feet between each group. Party sizes will be limited to no more than 6 people per table.
  • Bars and bar areas that do no offer food services are to remain closed.
  • Minimizing person-to-person contact through technology, like mobile or online reservations and contact-less payment, is encouraged.
  • Customers will be screened upon entry. Restaurants and bars must post signage at each entrance stating no customer with a fever or COVID-19 symptoms are allowed in.
  • Cafeteria-style buffets and food stations that are manned by restaurant staff are allowed with appropriate barriers to limit contact. Self-service buffets, food stations, and drink stations are prohibited.
  • All restaurants and bars must place hand sanitizer at all entrances, hostess stations, in/near bathrooms, and at cashier stations.

OUTDOOR RECREATION:

  • Gatherings are limited to a maximum of 10 people for indoor activities and a maximum of 20 people for outside activities.
  • Parks can open to the public from 9:00AM – 7:00PM for outdoor recreation under guidance from the Mississippi Department of Wildlife, Fisheries, and Parks and local authorities, with people following social distancing guidelines such as 6 feet separation. Outdoor recreation activities, such as swimming, are also allowed within those same hours.

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Essential Businesses are required to take all reasonable measures to comply with CDC and MDOH guidelines, such as social distancing and sending sick employees home or requiring them to stay home.

HOW the Order will be enforced:
• Pursuant to Miss. Code Section 33-15-1 et seq., state and local emergency management officials can arrest violators who will be subject to up to a $500 fine and up to 6 months imprisonment.

View Executive Order...

Link to state news releases

Safer at Home Order (May 11, 2020)

In coordination with Governor Reeves' Amended Executive Order 1977, Mayor Phil Fisher has updated City operations for the COVID-19 response. Please continue to follow social distancing guidelines and health department recommendations. Please wear protective masks and sanitize your hands frequently.

We are all in this together. Please consider the other person, before you consider yourself. Together we can be a stronger community.

City of Clinton operations:

Parks:

  • Ball fields, basketball courts and playgrounds are open to public use. Social distancing will be strictly enforced.
  • Walking trails, disc golf and tennis courts are currently open to public use. Social distancing will be strictly enforced.
  • Gatherings are limited to a maximum of 10 people for indoor activities and a maximum of 20 people for outside activities.

  • Outdoor recreation activities, such as swimming, are also allowed.
  • Bark Park is open for the public, but social distancing will be strictly enforced. Please wear masks and keep distances of six feet while utilizing the park. 

Staff: All staff over 60 years of age or those that fit in an at-risk category will remain home.

Police (patrol, records, 911), Fire and Public Works are considered essential personnel. Please call 911 for emergencies and 601-924-5252 for non-emergencies.

Community Development: All business will be handled over the phone at 601-924-2256. Inspections will continue.

All other departments will work from home.

Curfew: No curfew has been issued by the City of Clinton. CPD is strictly enforcing the social distancing and shelter-in-place orders. Please self-enforce these orders before CPD has to enforce them.

Rumor Control: Please refrain from spreading misinformation regarding City operations. All official information, announcements and actions from the City will be posted on this page and shared with local media outlets.  

The Mississippi State Department of Health announces cases of COVID-19 by county only. City officials are not notified by the MSDH of local cases. Please refrain from sharing false information. Please go to the MSDH web page for factual information. This link from the Health Dept. shows cases and their distribution across the state: https://msdh.ms.gov/msdhsite/_static/14,0,420.html

Please stay informed by the authorities, not the rumor mill.

For the safety of our staff we ask that residents please call 601-924-5474 for assistance. For a faster response, please use Ask The Mayor and we will respond to your concern, question and need within 24 hours.

Community Development: Please call the office (601-924-2256) or check on-line for forms and permits at https://www.clintonms.org/departments/business/community-development .

City officials have relaxed the temporary signage rules for businesses to share their operations with the public. Please utilize temporary signage to promote that you are open and serving the public.

Public Works/Garbage: Please pay water bills online, dropbox or by mail. Inside payment window is closed. Please utilize our drop boxes at Public Works, Municipal Annex and City Hall.

Garbage collection is still operating on regular schedule. Due to larger that usual amounts of waste and new DOT regulations preventing operation after dusk, trucks may miss a home on a regular scheduled day. If your garbage is missed, Waste Management will pick it up first thing the next morning. 

Senior Services: The Wood Activity Center is open. Attendees are required to wear a facemask and keep social distances. Therapeutic Recreation Staff will host regularly scheduled aerobics and exercise classes through the Wood Acivity Center Facebook page and in th building. 

Exercise classes take place on Tuesday, Wednesday and Thursday in order to keep our Living Young participants active. Join us on Facebook Live and follow along with Seniorsize, Tai Chi and Flexercise. You won't need to have a Facebook account. Just grab a chair and click on THIS LINK to get connected.

Class Schedule
Seniorsize - Tuesday and Thursday at 11AM
Tai Chi - Tuesdays at 2PM
Flexercise - Wednesdays at 11AM

Water Bills

The Mississippi Public Service Commission has temporarily suspended disconnection of utility services, including water services, through May 26, 2020 in response to the outbreak of COVID-19.

The Public Service Commission Order states that customers should continue to pay their utility bills for utility services utilized during this time. PSC Commissioners encourage customers to continue paying their bills to avoid extreme balances at the end of the 75 days and to work with your service providers should other matters cause hardships.

Should you experience financial hardships due to COVID-19, please contact the Water Dept. to make a long-term payment plan. ONce the PSC order is lifted, the City will resume disconnection of service for failure to pay. Please do not wait until the end of May to set up a plan with the City.

For the welfare of our customers and staff, please make every attempt to follow CDC guidelines for social distancing by utilizing the drop boxes (City Hall, Public Works, Municipal Annex) and the Drive-thru window at Public Works for your transactions.

Distance payment options:

  • Dropboxes at City Hall, Municipal Annex and Public Works.
  • Online at www.ClintonMS.org.
  • Call 601-202-4382 to pay your bill through our automated water bill payment system. Customers wishing to utilize the service will need their account number.

You must be screened for free through the C Spire Health UMMC Virtual COVID-19 Triage app, or by calling (601) 496-7200, to get an appointment in order to take part in these drive-thru specimen collection points in Vicksburg and Greenwood. Individuals should not show up without such an appointment. Using the C Spire Health app is the easiest, quickest process to be screened and receive an appointment.

The appointment-only testing is free of charge. Mississippians who have been screened as being high risk of infection will give a specimen sample, via a nose swab, without exiting their vehicle.

The Mississippi Emergency Management Agency and the Mississippi National Guard are collaborating with UMMC and MSDH to facilitate the collections.

Human Services

Residents needing assistance with food, utility bills, and emotional care may contact these organizations.

Clinton Community Christian Corporation
The 4Cs provides emergency financial assistance, Clinton Community Christian Corporationfood, clothing, furniture, and other items, to families facing financial crisis. These include utility, rent, and prescription assistance. Website...
COVID related services: food, financial assistance, meal delivery.
Please call 601-924-9436 between 9 A.M. -5 P.M. to request assistance prior to visiting their office. 

Second Harvest Food and Clothing Ministry
Second Harvest provides food, clothing, and counseling to residents of Hinds County two days a week. second_harvest_logo.png
Second Harvest is open Monday evenings at 4:30 P.M. and Wednesday mornings at 9:00 A.M. Second Harvest meets at Morrison Heights’ Missions Campus:
201 Morrison Drive
Clinton, MS 39056
For more information contact us at 601.925.6479.

Pinelake Church - Clinton Campus
The Care Center is a resource center where families in need can come to receive food and encouragement and hear about pinelake.jpgChrist. The Care Center offers food for families in need, but it's more than that, it's a place where you can find help and hope.
CLINTON
Open 1st and 3rd Tuesdays 5:30 – 6:30 pm
201 Clinton Center Drive | Clinton, MS 39056
601.919.4134 | clintoncarecenter@pinelake.org

YMCA
We have had to close our gym facilities to help keep our members safe during this time, especially our senior members.

The staff have been calling our Senior members and checking on them. We have been finding out if they need any assistance or if there are things they may need that the Y can provide for them. We are trying to keep contact at least twice a week.

The Clinton YMCA is the headquarters for the YMCA Food Program. We have 6-8 sites that we serve free meals to any child 18 and younger during the Summer Time. One of the sites is at the Clinton Y on the front porch. During this time of need we have started our Summer Feeding Program early.

The program started on March 23rd and will last until the Schools resume back. We offer free meals Monday through Friday 12 pm to 1 pm. Because of the current situation we are providing a grab n go method. The other locations are at Westside Park, Grove Park, Battlefield Park and Vergy P. Middleton Park in Jackson.

We have opened our Childcare center to full day service during this time. We have spots available. Hours are 7 am to 6 pm. Children receive am snack, a lunch and a pm snack. The childcare staff are tutoring the children and scheduling school work time so the children can make sure to stay on top of their work. The price is $107 for Y members and $137 for non Y members. 

For more information please contact Sara Cothran at scothran@metroymcams.org or 601.926.9243

 

Social Distancing

Please do your part to flatten the curve.shop safe.jpg Familiarize yourself with social distancing guidelines and what is recommended by Public Health Officials.

Health officials recommend to avoid the following:
Group gatherings
Sleepovers
Playdates
Traveling
Church services
Visitors in your house
Non-essential workers in your house

Please keep your distance (at least 6 feet) when you:
Visit a local six feet apart.jpgrestaurant to get take out:
Visit a grocery store
Pick up medications
Or spend time outside in public spaces

It is safe to do the following:
Take a walk, but stay six feet apart!
Yard work.
Clean out a closet or read a good book. Listen to music, have a family game night or stream a favorite show.
Remain connected with friends and neighbors, but do so via phone or email. A video chat is a great way to combat social isolation.

Speaker Philip Gunn has had phone calls to his office forwarded to staff.  If you need any help at all, please call 601-359-3300. Speaker Gunn has also set up an email address for you to ask questions or seek help. That address
is covid19questions@house.ms.gov.

State of Mississippi Coronavirus Website

MSDH website

COVID-19 Testing

Anyone with flu-like symptoms, especially those who are older or in poor health, should see a healthcare provider as a matter of general good health. Healthcare providers can assess individual cases which may need specific testing for COVID-19.

Prevention and Preparedness

For Individuals

Preventive measures against COVID-19 are the same as those for other respiratory viruses like the flu. To help prevent getting and spreading disease:

·     Stay home if you are sick, and avoid close contact with anyone who is ill.

·     Cover your coughs and sneezes. When possible, cough, sneeze or blow your nose into a tissue, and throw the tissue away.

·     Avoid touching your eyes, nose and mouth.

·     Wash your hands frequently and thoroughly, especially after coughing or sneezing, blowing your nose, and using the bathroom. Effective handwashing takes about 20 seconds, and includes cleaning under fingernails, between fingers, and washing the back of hands as well as the front. 

·     Clean and disinfect surfaces and objects that are touched often.

·     Stay in good overall health by eating right and staying active. If you are living with diabetes, heart disease or other condition, keep in touch with your doctor and stay current with your treatment.

·     During or before flu season, get a flu shot. Flu vaccination can prevent the flu or make it less severe, and decrease your chance of hospitalization and death. It also keeps you healthier and better able to fight off infections.

For People at High Risk

People at risk for serious illness from COVID-19 are older adults and those with a chronic illness such as heart disease, diabetes, or lung disease. These people should take simple precautions at all times to limit their exposure to others who may be ill:

·     Keep more space between you and others as you go through the day.

·     Avoid crowds. When you do go out in public, keep away from others who are sick and limit close contact.

·     Wash your hands often, especially after being in public places.

If COVID-19 begins to spread locally, you should stay home as much as possible. Having a supply of important medications and basic supplies can help.

For the latest information please visit the Health Department website at:

msdh.ms.gov

Clinton Public Schools

CPSD continues to update information related to the COVID-19 pandemic. Please click here for their website and information updates.

Court Services

Court services is back open, please call 601-924-4441 to obtain information about your new court date.

DUE TO THE COVID-19 PANDEMIC WE HAVE RESET THE FOLLOWING COURT DATES:

COURT DATE                       NEW COURT DATE

4/1/2020 ANYTIME           8/20/2020 AT 1:00 PM

4/2/2020 ANYTIME           9/3/2020 AT 1:00 PM

4/8/2020 ANYTIME           9/10/2020 AT 1:00 PM

4/9/2020 ANYTIME           9/17/2020 AT 1:00 PM

4/15/2020 ANYTIME        9/24/2020 AT 1:00 PM

4/16/2020 ANYTIME        10/01/2020 AT 1:00 PM

4/21/2020 ANYTIME        10/22/2020 AT 1:00 PM

4/22/2020 ANYTIME        10/29/2020 AT 1:00 PM

4/23/2020 ANYTIME        11/5/2020 AT 1:00 PM

4/28/2020 ANYTIME        11/19/2020 AT 1:00 PM

4/29/2020 ANYTIME        12/3/2020 AT 1:00 PM

4/30/2020 ANYTIME        12/10/2020 AT 1:00 PM

You may email the Court Clerk, Rose Hageman at: rhageman@clintonms.org
Also email one of the Deputy Clerks at:
Brianna Brooks – bbrooks@clintonms.org
Amanda Clark – aclark@clintonms.org
Brandy Williams – bwilliams@clintonms.org

The office number is available to call for question – (601) 924-4411.

Credit card payments to be made at trafficpayment.com, by calling 800-444-1187 or by using the kiosk in our lobby at 305 Monroe Street.

SBA Paycheck Protection Program

FAQ
Application

The SBA Paycheck Protection Program (PPP) Coronavirus Small Business Loans Icon Large.jpgauthorizes up to $349 billion in forgivable loans to small businesses to pay their employees during the COVID-19 crisis.

LOANS WILL BE FORGIVEN IF:

1.       The loan proceeds are used to cover payroll costs, most mortgage interest, rent, and utility costs over the 8-week period after the loan is made

2.       Employee and compensation levels must be maintained. You have until June 30, 2020 to restore your full-time employment and salary levels for any changes made between February 15, 2020, and April 26, 2020

When can I apply? Starting April 3, 2020. FUNDS MOST LIKELY WILL RUN OUT BEFORE THE DEADLINE TO APPLY (JUNE 30, 2020)

Where can I apply? You can apply through any existing SBA lender

Who can apply? Any business with 500 or fewer employees can apply

What do I need to apply? Collateral or personal guarantee are not required. You will need to submit to your lender the following:

1.       SBA PPP application

2.       The required documentation to verify your payroll costs

How large can my loan be? Up to 2.25 times your monthly payroll with a $10 million cap

How much of my loan will be forgiven? You will owe money when your loan is due ONLY IF:

1.       You do not maintain your staff and payroll

2.       You use the loan amount for ANYTHING OTHER than payroll costs, mortgage interest, rent, and utility costs over the 8 weeks after getting the loan

How can I request loan forgiveness? You can submit a request to the lender that is servicing the loan. The lender must make a decision on the forgiveness of the loan within 60 days

What is my interest rate? 0.50% fixed interest rate

When do I need to start paying interest on my loan? All payments are deferred for 6 months

When is my loan due? In 2 years

Source: U.S. Department of the Treasury

Gabriel Prado | Director of Economic Development Department of Economic Development | City of Clinton, MS

T: 601-291-8275 | E: gprado@clintonms.org | W: www.clintonms.org

Download PPP Application
Download FAQ

Resources for Businesses

Resources and information for our business community on responding to the COVID-19 (coronavirus) pandemic from the Clinton Chamber of Commerce. More...

Temporary Signs, Banners and Tents Allowed

Mayor Phil Fisher has relaxed  restrictions on temporary sign, banners, tents and ribbon flags for Clinton businesses during the Coronavirus pandemic. Businesses (not limited to restaurants) in Clinton that are providing online, carryout, delivery and curbside services may utilize these additional marketing tools to promote their operations during this emergency. Read more...

SBA Economic Injury Disaster Loan Program

As we continue to deal with the COVID-19, it is important that our businesses in Clinton are aware of the economic resources available for them to face our current situation. That being said, the Department of Economic Development for the City of Clinton wanted to share with you the information that was put out by the state regarding the “SBA’s Economic Injury Disaster Loan Program” to support our local businesses. Please share this information with anyone that you think could benefit from it.

  • Mississippi is working closely with the U.S. Small Business Administration to activate the Economic Injury Disaster Loan program so we can protect our small businesses and their communities. The SBA’s Economic Injury Disaster Loan program provides small businesses with working capital loans of up to $2 million that can provide vital economic support to small businesses to help overcome the temporary loss of revenue they are experiencing.
  • In another effort to help Mississippi small businesses, the Mississippi Emergency Management Agency (MEMA) is urging small business owners to fill out and submit a coronavirus impact report. “We are collecting this information so that Mississippi may request an Economic Injury Declaration from the Small Business Administration to aid in the economic loss suffered as a result of the COVID-19 event,” MEMA said in a statement.

For instructions on how to complete an “Estimated Disaster Economic Injury Worksheet for Business”, click here >> http://bit.ly/2IW0rZ4

To fill out the worksheet, click here >> http://bit.ly/2xVds33

  • Once the paperwork is completed, you can send it directly to the MEMA State Coordinating Officer at tdemuth@mema.ms.gov. Questions can be sent to that email as well.

 

 

CARES ACT: Economic Stimulus

The U.S. Senate has passed the Coronavirus Aid, Relief, and Economic Security (CARES) Act, and it is expected to pass through the House by the end of the week. The Department of Economic Development for the City of Clinton believes that is important that we share this information with our business community and everybody that can utilize any of the key provisions of the CARES Act. Below you will find a summary sent to us on the key provisions of the CARES Act.

CARES Act Key Provisions

 
  • Small Business Paycheck Protection Program
    The CARES Act includes a $325 billion small business loan program designed for businesses having fewer than 500 employees to be administered through the Small Business Administration (SBA). The maximum amount of the loan is the lesser of a multiple of 2.5x payroll or $10 million. Under certain conditions, there are aspects of the loan that qualify for forgiveness. The deadline to apply for the small business loan program is June 30, 2020, and details are expected to be issued soon and accessible at SBA.gov.
 
  • Large Business Loan Program and Credit Facility
    A second loan program has been established for larger businesses that do not otherwise qualify for the small business offering. While the total value of this program is $500 billion, after the deduction for amounts directed to airlines and industries designated for national security, there is $425 billion available. It is expected that this amount will be leveraged significantly and potentially provide up to $4 trillion in financial support. Loans must be secured, for a term of not more than 5 years, and subject to an annualized interest rate that is not higher than 2 percent per annum. For the first six months after any direct loan is made, there is no principal or interest due or payable. That may be extended at the Treasury Secretary's discretion. While the loan is outstanding, stock repurchases are prohibited by borrowers, who are also required to maintain existing employment to the extent practical and abide by limits imposed on executive compensation. The U.S. Treasury is working through the guidance and is required to publish procedures for applications and the minimum requirements within 10 days of the bill's passage by the House.
 
  • Corporate Tax Provisions
    There are a number of provisions providing corporate tax relief. These include extension of NOL carrybacks for five years, delay of employer payroll taxes, correction of qualified improvement property depreciation back to 15 years, employee retention credits, relaxation of business interest deductions and employee retention credits.
 
  • Individual Tax Relief
    Recovery rebates of up to $1,200 for individuals (phase out beginning at $75,000 annual income) or $2,400 for married couples (phase out beginning at $150,000 annual income), each increased by $500 for every child.
 
  • Enhanced Unemployment Benefits
    Unemployment benefits by adding a $600/week across‑the‑board payment increase through the end of July, 2020. In addition, for those who need it, the bill provides an additional 13 weeks of benefits beyond what states typically allow. The expansion in unemployment benefits expires at the end of 2020 in recognition of the temporary nature of this challenge. Benefits should be accessible via a state's unemployment insurance website.
 
  • Banking Provisions
    The Federal Deposit Insurance Corp (FDIC) has provided expanded authority to guarantee bank accounts and ease lending regulations. The Act also allows banks to postpone compliance with the Current Expected Credit Losses standard and ease accounting rules to make it easier for banks to restructure Troubled Debt Ratio without taking a hit to capital and regulatory relief from accounting standards for loan modifications.