Sponsors (5)
The bill prevents immediate displacement of renters and homeowners after disasters by imposing eviction and foreclosure moratoria and broadening eligibility, but it shifts financial and administrative burdens onto landlords, lenders, local governments, and taxpayers while creating legal complexity and some coverage gaps.
Renters in declared disaster areas (including those in mortgaged or temporarily relocated units) are protected from eviction during the moratorium, can't be charged late fees or penalties for missed rent, and get minimum notice delays so they have time to recover and return to housing.
Homeowners with covered mortgages receive an automatic foreclosure moratorium (including an automatic 6‑month pause after a disaster declaration), giving borrowers time to recover financially and preventing immediate loss of housing.
Protections apply quickly and consistently because the bill ties eligibility to a wide set of disaster declarations (Federal, State, Tribal) and extends coverage to currently active declarations and future ones, reducing gaps in access to relief.
Landlords, lenders, and investors face lost or delayed payments and collections (rent and mortgage), which can reduce property owners' cash flow, discourage investment in rental housing, and lead lenders to tighten credit or raise costs.
Local governments and taxpayers could incur higher costs—either from having to cover deferred repairs, address blight or abandoned properties, or absorb other recovery-related expenses—if moratoria delay resolution or remediation.
Broad and overlapping definitions, plus retroactive application, create legal and administrative complexity that can produce disputes over applicability and slow delivery of relief.
Based on analysis of 5 sections of legislative text.
Pauses most residential evictions for 120 days and most foreclosures for six months in declared disaster areas, applying to active and future qualifying disaster declarations.
Official title: To provide for a moratorium on evictions from and foreclosures on residences during a major disaster or emergency, and for other purposes.
Introduced September 3, 2025 by Sheila Cherfilus-McCormick · Last progress September 3, 2025
Temporarily bars most residential evictions and foreclosures in areas subject to qualified disaster declarations. The bill creates a 120-day eviction moratorium for tenant-occupied dwellings and a six-month foreclosure moratorium for covered mortgage loans in declared disaster areas, applies those protections to disasters already declared at enactment as well as future declarations, and defines covered properties, loans, and the duration of the moratoria.