Bill > HR5110

This bill, called the Federal Disaster Housing Stability Act of 2025, provides critical protections for residential tenants and homeowners during national emergencies, major disasters, or state-declared emergencies. The bill establishes a 120-day eviction moratorium and a 6-month foreclosure moratorium for areas affected by disasters, during which landlords and mortgage servicers are prohibited from taking several actions. Specifically, landlords cannot file eviction proceedings, charge penalties for unpaid rent, increase rental rates, prevent tenants from returning to their dwelling, or remove tenants. For mortgages, servicers are barred from initiating foreclosure processes, scheduling foreclosure sales, or executing foreclosure-related evictions. The bill applies broadly to various types of dwellings, including houses, condominiums, and cooperative units, and covers situations where tenants have formal leases or are living in properties without a lease. Disasters can be declared by the President under national emergency or disaster relief acts, or by state governors, the District of Columbia mayor, or tribal government leaders. The bill's protections are retroactive, applying to ongoing disaster declarations at the time of enactment and to future declarations, providing a safety net for vulnerable populations during challenging times.

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https://www.congress.gov/bill/119th-congress/house-bill/5110/all-info