To provide for a moratorium on evictions from and foreclosures on residences during a major disaster or emergency, and for other purposes.
Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.
Summary
What This Bill Does
The bill establishes a 120-day eviction moratorium for tenants in disaster areas, establishes a 6-month foreclosure moratorium for covered mortgage loans in disaster areas, and defines key terms for the Act including: covered dwelling, disaster (national emergencies and major disasters declared by President, Governors, DC Mayor, or tribal governments), disaster area, eviction moratorium period. It relies on exemptions, compliance mandates, and definition changes. The main policy areas are Housing and Finance.
Who Benefits and How
Homeowners with mortgages in disaster areas could face lower compliance burdens, Renters in federally declared disaster areas could face lower compliance burdens, and Displaced tenants seeking to return could face fewer barriers.
Who Bears the Burden and How
Landlords and property owners in disaster areas would take on compliance duties, Mortgage servicers would take on compliance duties, and Mortgage lenders and loan holders could lose revenue opportunities.
Key Provisions
- Establishes a 120-day eviction moratorium for tenants in disaster areas.
- Establishes a 6-month foreclosure moratorium for covered mortgage loans in disaster areas.
- Defines key terms for the Act including: covered dwelling, disaster (national emergencies and major disasters declared by President, Governors, DC Mayor, or tribal governments), disaster area, eviction moratorium period...
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
The bill establishes a 120-day eviction moratorium for tenants in disaster areas, establishes a 6-month foreclosure moratorium for covered mortgage loans in disaster areas, and defines key terms for the Act including: covered dwelling, disaster (national emergencies and major disasters declared by President, Governors, DC Mayor, or tribal governments), disaster area, eviction moratorium period.
Key Policy Areas
Housing, Finance
Primary Purpose
The bill establishes a 120-day eviction moratorium for tenants in disaster areas, establishes a 6-month foreclosure moratorium for covered mortgage loans in disaster areas, and defines key terms for the Act including: covered dwelling, disaster (national emergencies and major disasters declared by President, Governors, DC Mayor, or tribal governments), disaster area, eviction moratorium period.
Policy Domains
Federal Disaster Housing Stability Act of 2025
Identified Gains
- Homeowners with mortgages in disaster areas
- Renters in federally declared disaster areas
- Displaced tenants seeking to return
Identified Costs
- Landlords and property owners in disaster areas
- Mortgage servicers
- Mortgage lenders and loan holders
Sponsors
Legislative Progress
IntroducedMrs. Cherfilus-McCormick (for herself, Ms. Chu, Mr. Carson, Mr. Thompson …
Stakeholder Effects
cui bono?How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.
Displaced tenants seeking to return, Homeowners with mortgages in disaster areas, Renters in federally declared disaster areas
Mortgage lenders and loan holders, Mortgage servicers
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
- "lessor"
- → Landlord or property owner
- "servicer"
- → Mortgage loan servicer
- "the_president"
- → President of the United States
Key Definitions
Terms defined in this bill
A dwelling occupied by a tenant pursuant to a residential lease or without a lease or with a lease terminable under State or DC law
Any national emergency declared by the President under the National Emergencies Act, any major disaster or emergency declared under the Stafford Act, or any disaster declared by a Governor, DC Mayor, or tribal Chief Executive
Any area that at any time is subject to a disaster declaration
The 120-day period beginning upon the President's disaster declaration
A consumer credit transaction secured by a mortgage, deed of trust, or other security interest on a 1-4 unit dwelling or residential real property
The 6-month period beginning upon the disaster declaration
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology