119-hr5110

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 5110 Introduced in House

    (IH) ]

<DOC>

119th CONGRESS
 1st Session
 H. R. 5110

 To provide for a moratorium on evictions from and foreclosures on 
 residences during a major disaster or emergency, and for other 
 purposes.

_______________________________________________________________________

 IN THE HOUSE OF REPRESENTATIVES

 September 3, 2025

 Mrs. Cherfilus-McCormick (for herself, Ms. Chu, Mr. Carson, Mr. 
Thompson of Mississippi, and Ms. Norton) introduced the following bill; 
 which was referred to the Committee on Financial Services

_______________________________________________________________________

 A BILL

 To provide for a moratorium on evictions from and foreclosures on 
 residences during a major disaster or emergency, and for other 
 purposes.

 Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

 This Act may be cited as the ``Federal Disaster Housing Stability 
Act of 2025''.

SEC. 2. EVICTION MORATORIUM.

    (a) Moratorium.--In the case of any disaster, the lessor, landlord, 
or owner, including any individual with a legal right to pursue 
eviction or a possessory action, of a covered dwelling that is located 
within the disaster area with respect to such disaster may not, during 
the eviction moratorium period with respect to such area--

    (1) make, or cause to be made, any filing with the court of 
 jurisdiction to initiate a legal action to recover possession 
 of the covered dwelling from the tenant for nonpayment of rent 
 or other fees or charges;

    (2) charge fees, penalties, or other charges to the tenant 
 related to such nonpayment of rent;

    (3) increase the amount charged for rental of the dwelling, 
 including by recouping such increased rent through fees or 
 charges after the conclusion of such period;

    (4) in any manner prevent the tenant of the dwelling, if 
 such tenant has temporarily relocated, from returning to the 
 dwelling and re-establishing occupancy or require the tenant to 
 be re-screened to determine any eligibility for such occupancy; 
 or

    (5) remove or cause the removal of a tenant from a covered 
 dwelling.

    (b) Notice To Vacate.--In the case of any disaster, the lessor of a 
covered dwelling that is located within the disaster area with respect 
to such disaster may not--

    (1) require the tenant to vacate the covered dwelling 
 before the date that is 30 days after the date on which the 
 lessor provides the tenant with a notice to vacate; and

    (2) issue a notice to vacate under paragraph

    (1) until 
 after the expiration of the eviction moratorium period with 
 respect to such area.

SEC. 3. FORECLOSURE MORATORIUM.

 Except with respect to a vacant or abandoned property, in the case 
of any disaster, a servicer of a covered mortgage loan on a property 
located within the disaster area may not, during the foreclosure 
moratorium period with respect to such area, initiate any judicial or 
non-judicial foreclosure process, schedule a foreclosure sale, move for 
a foreclosure judgment or order of sale, or execute a foreclosure-
related eviction or foreclosure sale.

SEC. 4. DEFINITIONS.

 For purposes of this Act, the following definitions shall apply:

    (1) Covered dwelling.--The term ``covered dwelling'' means 
 a dwelling that is occupied by a tenant--
        (A) pursuant to a residential lease; or
        (B) without a lease or with a lease terminable 
 under State or District of Columbia law.

    (2) Disaster.--The term ``disaster'' means--
        (A) any national emergency declared by the 
 President under the National Emergencies Act (50 U.S.C. 
 1601 et seq.);
        (B) any major disaster or emergency declared by the 
 President under the Robert T. Stafford Disaster Relief 
 and Emergency Assistance Act (42 U.S.C. 4121 et seq.); 
 or
            (C) any major disaster or emergency declared by the 
 Governor of a State, the Mayor of the District of 
 Columbia, or the Chief Executive of an Indian Tribal 
 government.

    (3) Disaster area.--The term ``disaster area'' means, with 
 respect to a disaster, any area that at any time is subject to 
 the declaration of such disaster.

    (4) Dwelling.--The term ``dwelling''--
        (A) has the meaning given the term in 

section 802 
 of the Fair Housing Act (42 U.S.C. 3602); and
        (B) includes houses and dwellings described in 
 

section 803

    (b) of such Act (42 U.S.C. 3603

    (b) ).

    (5) Eviction moratorium period.--The term ``eviction 
 moratorium period'' means, with respect to a disaster area, the 
 120-day period that begins upon the declaration by the 
 President of the disaster that such area is subject to.

    (6) Covered mortgage loan.--The term ``covered mortgage 
 loan'' includes any consumer credit transaction (within the 
 meaning of such term as used in the Truth in Lending Act (15 
 U.S.C. 1601 et seq.)), other than temporary financing such as a 
 construction loan, that is secured by a mortgage, deed of 
 trust, or other consensual security interest on a 1- to 4-unit 
 dwelling or on residential real property that includes a 1- to 
 4-unit dwelling including individual units of condominiums and 
 cooperatives that is secured by a first or subordinate lien on 
 residential real property (including individual units of 
 condominiums and cooperatives) designed principally for the 
 occupancy of from 1 to 4 families, including any such secured 
 loan the proceeds of which are used to prepay or pay off an 
 existing loan secured by the same property, but such term does 
 not include a credit transaction under an open-end credit plan 
 other than a reverse mortgage.

    (7) Foreclosure moratorium period.--The term ``foreclosure 
 moratorium period'' means, with respect to a disaster area, the 
 6-month period that begins upon the declaration of the disaster 
 for which such declaration was made.

SEC. 5. APPLICABILITY.

 This Act shall apply with respect to any disaster for which the 
declaration of the disaster is in effect on the date of the enactment 
of this Act and any disaster for which such declaration is made after 
such date of enactment.
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