# 119-s-2569: Mortgage Relief for Disaster Survivors Act

119-s-2569, Mortgage Relief for Disaster Survivors Act, is a 119th Congress bill sponsored by Sen. Schiff, Adam B. [D-CA] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-2569
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2569
- Congress: 119
- Title: Mortgage Relief for Disaster Survivors Act
- Status: introduced
- Introduced: 2025-07-31
- Sponsor: Sen. Schiff, Adam B. [D-CA] (D-CA)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Emergency forbearance for federally backed mortgages in declared disaster areas.** This bill would let borrowers pause mortgage payments for a covered period after a disaster declaration and get a 180-day pause that can be extended once for another 180 days. - Families and homeowners: Borrowers may request forbearance whether or not they are behind on payments by affirming financial hardship. The initial pause is 180 days and borrowers can ask for one 180-day extension. - Owners of multifamily properties: Loans on residential buildings designed for 5 or more families that are federally backed are included, so those owners can request the same forbearance. - Loan servicers: Servicers would be required to grant forbearance promptly after a borrower’s request by phone, online, or in writing. During forbearance no fees, penalties, or extra interest accrue beyond the scheduled amounts. - Scope: The forbearance rules apply to disasters declared on or after January 1, 2025.

## Cosponsors (1)

- Sen. Bennet, Michael F. [D-CO] (D-CO), 2025-07-31T00:00:00.000Z

## Provisions PRIA read

- Mortgage pause and fee protection for homeowners: benefit, high. If enacted, you could ask your mortgage servicer to pause payments for 180 days if your property is in a disaster area declared on or after January 1, 2025. You could request the pause by writing, phone, online, or any servicer-eligible method and would need to affirm you have a financial hardship.…

## Related bills

- 119-s-4949: Water Resources Development Act of 2026
- 119-s-5283: Momnibus Act
- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-2823: FAMILY Act
- 119-s-51: Washington, D.C. Admission Act
- 119-s-5108: Right to IVF Act of 2026

## Sources
- [119-s-2569 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2569)

## Related
- [119-s-4949: Water Resources Development Act of 2026](https://policyrisk.com/legislation/119-s-4949)
- [119-s-5283: Momnibus Act](https://policyrisk.com/legislation/119-s-5283)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [119-s-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-s-51)
- [119-s-5108: Right to IVF Act of 2026](https://policyrisk.com/legislation/119-s-5108)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2569 (as of 2026-04-21).