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is there any problem if I don't work at an European University as a Postdoctoral fellow (just back from the USA) at the time that I submit the Marie-Curie fellowship (2-3 months without job)?

thank you

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It's clearly allowed and even encouraged:

Individual Fellowships provide opportunities to researchers of any nationality to acquire and transfer new knowledge and to work on research and innovation in Europe (EU Member States and Horizon 2020 Associated Countries) and beyond. The scheme particularly supports the return and (re)integration of European researchers from outside Europe and those who have previously worked here, as well as researchers displaced by conflict outside the EU and Horizon 2020 Associated Countries. It also promotes the career restart of individual researchers who show great potential

http://ec.europa.eu/research/participants/data/ref/h2020/wp/2018-2020/main/h2020-wp1820-msca_en.pdf (p. 13)

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