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
This bill creates automatic tenant and homeowner protections when disasters are declared. When the President, a Governor, or a tribal government declares a disaster, landlords cannot evict tenants for non-payment for 120 days, and mortgage servicers cannot begin foreclosure proceedings for 6 months.
Who Benefits and How
Renters in disaster areas receive a 120-day shield from eviction for non-payment, plus protection from rent increases and late fees during that period. Homeowners with mortgages gain 6 months of protection from foreclosure initiation, giving them time to recover financially after a disaster.
Who Bears the Burden and How
Landlords and property owners must continue providing housing without receiving rent payments during the moratorium period, with no ability to charge late fees or increase rent. Mortgage servicers cannot initiate foreclosures for 6 months, delaying their ability to recover on defaulted loans.
Key Provisions
- 120-day eviction moratorium in declared disaster areas with prohibition on late fees and rent increases
- 6-month foreclosure moratorium preventing servicers from initiating foreclosure processes
- Requires 30-day notice to vacate after the moratorium ends, plus allows displaced tenants to return without re-screening
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers.
At a Glance
What This Bill Does
Establishes temporary eviction and foreclosure moratoriums to protect renters and homeowners in areas affected by federally, state, or tribally declared disasters
Key Policy Areas
Housing, Consumer Protection, Disaster Relief
Primary Purpose
Establishes temporary eviction and foreclosure moratoriums to protect renters and homeowners in areas affected by federally, state, or tribally declared disasters
Policy Domains
Federal Disaster Housing Stability Act of 2025
Identified Gains
Contextual inference, no direct clause citation- Renters in disaster areas
- Homeowners with mortgages in disaster areas
- Displaced tenants
Contextual inference, no direct clause citation
Identified Costs
Contextual inference, no direct clause citation- Landlords and property owners
- Mortgage servicers
- Mortgage lenders
Contextual inference, no direct clause citation
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