Bill · H.R. 5110· House(119-HR-5110)
Federal Disaster Housing Stability Act of 2025
- Introduced
- 9/3/2025
- Last activity
- 9/3/2025 — Referred to the House Committee on Financial Services.
- Sponsored by
- Sheila Cherfilus-McCormick
- Cosponsors
- - 4 - 0
- Introduced
- In Committee
What this bill would do
The Federal Disaster Housing Stability Act of 2025 creates a pause on evictions and foreclosures during major disasters or emergencies. For 120 days following a presidential disaster declaration, landlords cannot evict tenants for nonpayment of rent, charge late fees, or increase rent. Additionally, it prevents mortgage servicers from starting or executing foreclosure processes on covered properties for a 6-month period. The act applies to disaster areas declared by the President, state Governors, the Mayor of D.C., or Tribal chiefs.
Yes· 3 of 30
Would households on low incomes be better off under this?+9
Directly protects low-income tenants and homeowners from losing their housing during disasters.
Is this likely to reduce homelessness?+9
Explicitly prohibits evictions and foreclosures to prevent homelessness during disaster periods.
Would Native Americans be better off under this?+7
Explicitly includes Tribal chiefs in the disaster declaration authority.
The opposite· 3 of 6
Would business owners be better off under this?-5
Landlords who rely on rental income as a primary business may suffer financial losses.
Does this make it easier to run a small business?-4
Small landlords and property management businesses may face loss of income due to the eviction and fee moratorium.
Does this leave more decisions to the states?-4
Overrides state-level eviction and foreclosure laws within disaster areas.
Who it would affect, and how
Potential Positive Impacts for People
-
Prevention of Homelessness during Disasters: Section 2(a) prevents landlords from removing tenants or filing court actions to recover possession of a dwelling for nonpayment of rent, which keeps people in their homes during crises.
-
Financial Protections for Tenants: Section 2(a)(2) and (3) stop landlords from charging fees or penalties for nonpayment of rent and prevent them from increasing rental amounts during the moratorium.
-
Right to Return: Section 2(a)(4) ensures that tenants who had to temporarily relocate cannot be prevented from returning to their home or be forced to undergo new eligibility screening.
-
Housing Stability for Homeowners: Section 3 stops mortgage servicers from initiating foreclosure processes or executing foreclosure sales for a 6-month period, protecting homeowners from losing their property during a disaster.
-
Additional Time to Vacate: Section 2(b) requires landlords to provide a 30-day notice before a tenant must vacate, and prohibits these notices from being issued until the eviction moratorium ends.
Potential Negative Impacts for People
-
Restrictions on Property Owners: Section 2(a) prevents lessors, landlords, or owners from taking legal action to recover their property for nonpayment of rent or removing tenants during the moratorium period.
-
Loss of Income for Landlords: Section 2(a)(2) and (3) prohibit landlords from collecting late fees, penalties, or increasing rent to recoup costs during the specified period.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+9Good For Immigrants+7Good For Native Americans+7Good For People With Disabilities+7Good For Urban Residents+7Good For African Americans+6Good For Children+6Good For Hispanic Americans+6Good For Middle Class Households+6Good For Retirees+6Good For Rural Residents+6Good For Seniors+6Good For Students+6Good For Asian Americans+5Good For L G B T Q Community+5Good For Men+5Good For Union Workers+5Good For Veterans+5Good For White Americans+5Good For Women+5Good For Young Adults+5Good For Farmers+4Good For Middle Aged+4Good For Business Owners-5Good For Billionaires-2Good For High Net Worth Individuals-2Good For Ultra High Net Worth Individuals-2
- Social Issues And Justice
- Reduces Homelessness+9Improves Affordable Housing+7Improves Poverty Reduction+5Improves Racial Equity+2
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+7
- Economy And Finance
- Improves Consumer Protection+6Improves Small Business Support-4
- Governance And Ideology
- Increases Federal Power+4Increase States Rights-4
- 9/3/2025
- Referred to the House Committee on Financial Services.
- 4 Cosponsors added.
- Introduced in House
André CarsonDemocrat · Indiana
Judy ChuDemocrat · California
Eleanor NortonDemocrat · District of Columbia
Bennie ThompsonDemocrat · Mississippi