“To provide for a moratorium on evictions from and foreclosures on residences during a major disaster or emergency, and for other purposes.”
No CRS summary available for this bill.
This section establishes an eviction moratorium during the eviction moratorium period for covered dwellings located in a disaster area. During such period, lessors, landlords, or owners may not (1) file a legal action to recover possession for nonpayment of rent or other charges; (2) charge fees, penalties, or other charges related to such nonpayment; (3) increase rent charges, including through later recoupment; (4) prevent temporarily relocated tenants from returning or require re-screening for occupancy; or (5) remove tenants. It further prohibits lessors from issuing a notice to vacate until after the moratorium period ends or requiring tenants to vacate before 30 days after providing such notice.
This section establishes a foreclosure moratorium that, except for vacant or abandoned properties, prohibits servicers of covered mortgage loans on properties located in a disaster area from initiating judicial or non-judicial foreclosure processes, scheduling foreclosure sales, moving for foreclosure judgments or orders of sale, or executing foreclosure-related evictions or sales during the foreclosure moratorium period for such area.
This section establishes definitions for purposes of the Act, including (1) covered dwelling, as a dwelling occupied by a tenant pursuant to a residential lease or without a lease or with a lease terminable under state or District of Columbia law; (2) disaster, as any national emergency declared by the President under the National Emergencies Act, major disaster or emergency declared by the President under the Stafford Act, or major disaster or emergency declared by a state governor, the Mayor of the District of Columbia, or chief executive of an Indian tribal government; (3) disaster area, as any area subject to a disaster declaration; (4) dwelling, as defined in section 802 of the Fair Housing Act (42 U.S.C. 3602) and including houses and dwellings described in section 803(b) of such Act (42 U.S.C. 3603(b)); (5) eviction moratorium period, as the 120-day period beginning upon a presidential disaster declaration for the area; (6) covered mortgage loan, generally as any consumer credit transaction secured by a first or subordinate lien on a 1-to-4 family dwelling (excluding temporary financing such as construction loans and open-end credit plans other than reverse mortgages); and (7) foreclosure moratorium period, as the six-month period beginning upon a disaster declaration.
This section makes the Act applicable to any disaster for which a declaration is in effect on the date of enactment and to any disaster declared after enactment.