Summary

Prohibits landlords and mortgage servicers from carrying out evictions, charging fees or penalties for nonpayment, raising rent, or starting foreclosure actions in areas subject to an official disaster declaration for set moratorium periods (120 days for eviction-related actions; 6 months for foreclosure-related actions). Applies to disasters already declared when the law is enacted and to future disaster declarations. Vacant or abandoned properties are excluded from the foreclosure moratorium.

• Eviction-related actions (evictions, fees for nonpayment, rent increases, removal from dwellings) are barred for tenant-occupied residences in declared disaster areas during a 120-day eviction moratorium.
• Mortgage servicers are barred from initiating or advancing foreclosures on covered mortgage loans in declared disaster areas during a six-month foreclosure moratorium, except for vacant/abandoned properties.
• Definitions clarify covered dwellings, covered mortgage loans, disaster declarations, and moratorium durations.
• The law applies both to disasters already declared at enactment and to disasters declared after enactment (retroactive and prospective application).
• Landlords cannot require a tenant to vacate in fewer than 30 days after issuing a notice to vacate, and no notices to vacate may be issued until after the eviction moratorium ends.
• The foreclosure moratorium covers judicial and nonjudicial foreclosure actions and related sales or evictions for covered loans.
• No specific federal funding or enforcement mechanism is provided in the text; the bill imposes prohibitions and definitions but does not outline federal compensation for affected parties.
• The protections are limited to tenant-occupied residential dwellings and to consumer mortgage loans secured by 1–4 unit residences.