Federal Disaster Housing Stability Act of 2025

HR 5110, the Federal Disaster Housing Stability Act of 2025, prevents landlords and mortgage servicers from taking certain actions against tenants and homeowners during declared disasters. It prohibits evictions and late fees for renters in covered dwellings (most residential rentals) for 120 days after a disaster declaration, and blocks foreclosure proceedings for covered mortgage loans (standard home loans on 1-4 unit properties) for six months. The law applies to disasters declared under federal, state, or tribal emergency authorities, ensuring renters cannot be forced out for nonpayment and homeowners cannot face foreclosure sales during this period. It directly affects tenants in rental housing and homeowners with qualifying mortgages in disaster areas.