The Tenant Payment Plan Phasing Temporary Act of 2025 mandates that providers of commercial or residential rental properties offer and maintain rent payment plans for eligible tenants who entered into agreements between March 11, 2020, and July 25, 2022. The bill outlines specific requirements for these payment plans, including a minimum term of one year, the waiver of fees and penalties, and the assurance that tenants will not be reported as delinquent to credit agencies. Additionally, it stipulates that tenants retain their rights under the lease and provides a process for tenants to apply for these plans, which can be done online or by phone.

Furthermore, the bill prohibits providers from filing collection lawsuits or evictions for nonpayment of rent during the program period unless they have offered and approved a payment plan. It also establishes a framework for tenants to contest denied applications and requires providers to retain application records for at least three years. The act is set to expire 225 days after its enactment, ensuring a temporary relief measure for tenants affected by the COVID-19 public health emergency.