Sponsors (5)
The bill provides substantial short‑term housing stability for renters and homeowners in declared disaster areas by pausing evictions and foreclosures, but it shifts financial and administrative burdens onto landlords, lenders, taxpayers, and local governments and leaves coverage gaps for some borrowers and non‑federally declared disasters.
Renters in disaster-declared areas are protected from eviction, late fees, and abrupt notices (including minimum notice and ability to return without re‑screening), giving low‑income and other tenants immediate housing stability during and shortly after disasters.
Homeowners with covered mortgages get an automatic pause on foreclosure (an automatic six‑month moratorium in many cases), preventing immediate loss of homes and providing borrowers time to recover after a disaster.
Renters living in properties subject to mortgage or foreclosure actions gain added stability because foreclosures and eviction sales are paused, reducing displacement risk for tenants of mortgaged properties.
Lenders, mortgage servicers, and investors face delayed recoveries and higher credit losses from paused foreclosures, which can raise costs, reduce lender liquidity, and ultimately tighten credit or increase borrowing costs for many Americans.
Landlords and property owners lose the ability to pursue timely rent collection and evictions, reducing cash flow, potentially discouraging investment or timely repairs, and shifting some recovery burdens onto taxpayers or local governments.
Tenants who miss rent during the moratorium can still accumulate unpaid obligations; without rental assistance, they may face large arrears and heightened eviction risk once protections expire.
Based on analysis of 5 sections of legislative text.
Temporarily bars eviction actions for 120 days and foreclosure actions for six months in federally declared disaster areas, with narrow exceptions for vacant/abandoned properties.
Introduced September 3, 2025 by Sheila Cherfilus-McCormick · Last progress September 3, 2025
Prohibits eviction and foreclosure actions in federally declared disaster areas for set periods to preserve housing stability. Landlords cannot initiate eviction-related actions for 120 days after a Presidential disaster declaration, and mortgage servicers cannot begin or advance foreclosure actions for six months after the declaration (with a narrow exception for vacant or abandoned properties). The bill defines which dwellings and mortgage loans are covered, sets the moratorium start dates tied to federal disaster declarations, and applies retroactively to disasters with active federal declarations at enactment and prospectively to future declarations. It does not appropriate funds or specify new enforcement penalties beyond the prohibitions themselves.