Congress locks down evictions and foreclosures during disasters for 120 days
H.R. 5110 — Federal Disaster Housing Stability Act of 2025 · Filed by Sheila Cherfilus-McCormick (D-FL) · 4 cosponsors · Introduced Sep 3, 2025 · Referred to committee
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What it does
This bill creates a 120-day eviction moratorium and 6-month foreclosure moratorium in areas hit by declared disasters. During these periods, landlords cannot file evictions for nonpayment, charge late fees, raise rent, or prevent tenants from returning; mortgage servicers cannot foreclose. Tenants who must vacate get 30 days' notice after the moratorium ends. The bill applies to all federally declared disasters going forward and those already in effect.
Why we flagged it
The bill's core function is straightforward tenant and homeowner protection during disaster recovery periods. It imposes temporary restrictions on eviction and foreclosure actions to prevent exploitation of disaster-displaced persons.
What the text implies
- The 120-day eviction moratorium may create a backlog of eviction filings immediately after the moratorium expires, potentially overwhelming courts and creating sudden displacement waves.
- Landlords unable to collect rent during the moratorium period may face cash-flow crises, potentially leading to deferred maintenance or property abandonment in lower-income disaster areas.
The full analysis lists 5 implications of this text.
Who stands to gain
residential tenants and renters; homeowners with mortgages; disaster-affected households