The Federal Disaster Housing Stability Act of 2025 creates protections for renters and homeowners affected by major disasters or emergencies. The bill imposes a 120-day moratorium on evictions in disaster areas, during which landlords cannot file eviction cases for nonpayment of rent, charge late fees or penalties, raise rent, or remove tenants from their homes. Additionally, the bill establishes a six-month foreclosure moratorium preventing lenders from initiating foreclosure proceedings, scheduling foreclosure sales, or carrying out foreclosure-related evictions on residential properties in affected areas. These protections apply to any major disaster declared by the President or a state governor and cover occupied residential dwellings, including houses, condos, and cooperatives. The bill takes effect immediately for any ongoing disasters and applies to all future declared disasters, providing housing stability as families recover from emergencies.
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