The Federal Disaster Housing Stability Act of 2023 creates protections for renters and homeowners during major disasters and emergencies declared by the President. For renters, the bill implements a 120-day moratorium on evictions following a disaster declaration, preventing landlords from filing eviction cases for unpaid rent, charging late fees, raising rents, or removing tenants during this period. Landlords must also wait until after the moratorium ends before issuing any notice to vacate, and then must provide tenants with 30 days' notice. For homeowners, the bill establishes a 6-month foreclosure moratorium that prevents lenders from starting foreclosure proceedings or executing foreclosure sales on properties in disaster areas, though this protection does not apply to vacant or abandoned properties. The bill would apply immediately to any active disaster declarations and to all future disaster declarations made after the bill becomes law.
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