This bill creates automatic housing protections when the President declares a disaster. In the affected area, renters get a 120‑day pause on evictions for not paying rent. During that time, landlords can’t file eviction cases for nonpayment, add late fees, raise the rent (including later “catch‑up” fees), block tenants from returning after a temporary move, or force new screening to move back. After the pause ends, any move‑out notice must give at least 30 days, and that notice can’t be given until the pause is over.

Homeowners also get protection. Mortgage companies must stop starting or moving forward with foreclosures for six months after the disaster is declared, except for vacant or abandoned homes. This covers most home loans on 1–4 unit homes, including condos and co‑ops. These rules apply in any area under the disaster declaration, to current disasters at the time the bill becomes law and to future ones.

• Who is affected: Renters and homeowners in the disaster area; landlords and mortgage companies.
• What changes: 120‑day stop on nonpayment evictions with no late fees or rent hikes; at least 30 days’ notice after the pause; six‑month stop on foreclosures (except vacant/abandoned) .
• When it starts: Automatically when the President declares the disaster; timelines are 120 days for evictions and six months for foreclosures; applies to current and future disasters.