Federal Disaster Housing Stability Act of 2025
Sponsored By: Representative Cherfilus-McCormick
Introduced
Summary
Temporary eviction and foreclosure pauses for declared disasters. This bill would create time-limited moratoriums that block eviction filings for 120 days and most foreclosure actions for six months in areas covered by a disaster declaration.
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- Tenants and families: Renters in a declared disaster area would be protected from eviction for nonpayment for 120 days. Landlords could not charge fees or penalties for missed rent, raise rent tied to that nonpayment, or stop a tenant who briefly relocated from returning.
- Homeowners with covered mortgages: Mortgage servicers would be barred from starting foreclosures, scheduling sales, moving for judgments, or carrying out foreclosure evictions or sales for six months, except for vacant or abandoned properties.
- Landlords and loan servicers: The protections apply to tenant-occupied dwellings and to covered mortgage loans secured by 1–4 unit homes that meet consumer credit rules. Notices to vacate must wait at least 30 days after given and cannot be issued until after the eviction moratorium ends.
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Bill Overview
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
120-day eviction pause for renters
If enacted, this would pause evictions for 120 days after a Presidential disaster declaration in your area. Landlords would not be able to file for eviction for nonpayment, charge late fees, or raise rent because of missed payments during that time. They could not block your return if you temporarily relocated or make you reapply to return. A notice to vacate could not be issued until after the pause ends, and you could not be required to leave until at least 30 days after any notice.
Six-month foreclosure pause for homeowners
If enacted, this would pause foreclosures for six months after a disaster declaration in your area. Servicers would not be able to start a foreclosure, seek a judgment, set a sale, or evict after a foreclosure during that time. The pause would apply only to covered mortgage loans on 1–4 unit homes. It would not protect vacant or abandoned homes. This is a delay, not debt forgiveness.
Who is covered and when after disasters
If enacted, this would define who and what counts for these protections. Disasters would include Presidential declarations and those by states, tribes, or DC. The renter pause would last 120 days after a Presidential declaration. The foreclosure pause would last six months after the relevant disaster declaration. A covered dwelling is a tenant-occupied home under a lease or a tenancy allowed by state law. A covered mortgage is consumer mortgage credit on a 1–4 unit home, with some exceptions. It would apply to disasters already in effect at enactment and to future ones.
Sponsors & CoSponsors
Sponsor
Cherfilus-McCormick
FL • D
Cosponsors
Rep. Chu, Judy [D-CA-28]
CA • D
Sponsored 9/3/2025
Carson
IN • D
Sponsored 9/3/2025
Thompson (MS)
MS • D
Sponsored 9/3/2025
Del. Norton, Eleanor Holmes [D-DC-At Large]
DC • D
Sponsored 9/3/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov