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