,i #aafth ,,congress #b;d ,session ,h4 ,r4 #hadb ,,in ,,the ,,house ,,of ,,representatives ,september #a1 #bjbj,mrs4 ,demings 7for herself1 ,mrs4 ,hayes1 ,ms4 ,norton1 ,mr4 ,lawson of ,florida1 ,ms4 ,wilson of ,florida1 ,mr4 ,carson of ,indiana1 and ,mr4 ,thompson of ,mississippi7 introduced the following bill2 which was referred to the ,committee on ,financial ,services1 and in addition to the ,committee on ,education and ,labor1 for a period to be subsequently determined by the ,speaker1 in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned ,a ,,bill ,to provide for a moratorium on evictions from and foreclosures on residences during a major disaster or emergency1 and for other purposes4 #a4 ,short title ,this ,act may be cited as the ,federal ,disaster ,housing ,stability ,act of #bjbj4 #b4 ,foreclosure moratorium ,except with respect to a vacant or abandoned property1 in the case of any disaster1 a servicer of a ,federally backed mortgage loan on a property located within the disaster area with respect to such disaster may not1 during the moratorium period with respect to such area1 initiate any judicial or non-judicial foreclosure process1 move for a foreclosure judgment or order of sale1 or execute a foreclosure-related eviction or foreclosure sale4 #c4 ,eviction moratorium 7a7 ,moratorium ,in the case of any disaster1 the lessor of a covered dwelling that is located within the disaster area with respect to such disaster may not1 during the moratorium period with respect to such area-- 7#a7 make1 or cause to be made1 any filing with the court of jurisdiction to initiate a legal action to recover possession of the covered dwelling from the tenant for nonpayment of rent or other fees or charges2 or 7#b7 charge fees1 penalties1 or other charges to the tenant related to such nonpayment of rent4 7b7 ,notice ,in the case of any disaster1 the lessor of a covered dwelling unit that is located within the disaster area with respect to such disaster-- 7#a7 may not require the tenant to vacate the covered dwelling unit before the date that is #cj days after the date on which the lessor provides the tenant with a notice to vacate2 and 7#b7 may not issue a notice to vacate under paragraph 7#a7 until after the expiration of the moratorium period with respect to such area4 #d4 ,definitions ,for purposes of this ,act1 the following definitions shall apply3 7#a7 ,covered dwelling ,the term covered dwelling means a dwelling that is occupied by a tenant-- 7,a7 pursuant to a residential lease2 or 7,b7 without a lease or with a lease terminable under ,state law2 and 7#b7 ,disaster ,the term disaster means-- 7,a7 any national emergency declared by the ,president under the ,national ,emergencies ,act 7#ej ,u4,s4,c4 #afja et seq472 or 7,b7 any major disaster or emergency declared by the ,president under the ,robert ,t4 ,stafford ,disaster ,relief and ,emergency ,assistance ,act 7#db ,u4,s4,c4 #daba et seq474 7#c7 ,disaster area ,the term disaster area means1 with respect to a disaster1 any area that at any time is subject to the declaration of such disaster4 7#d7 ,dwelling ,the term dwelling-- 7,a7 has the meaning given the term in section #hjb of the ,fair ,housing ,act 7#db ,u4,s4,c4 #cfjb72 and 7,b7 includes houses and dwellings described in section #hjc7;b7 of such ,act 7#db ,u4,s4,c4 #cfjc7;b774 7#e7 ,federally backed mortgage loan ,the term ,federally backed mortgage loan includes any loan 7other than temporary financing such as a construction loan7 that-- 7,a7 is secured by a first or subordinate lien on residential real property 7including individual units of condominiums and cooperatives7 designed principally for the occupancy of from #a to #d families1 including any such secured loan1 the proceeds of which are used to prepay or pay off an existing loan secured by the same property2 and 7,b7 is made in whole or in part1 or insured1 guaranteed1 supplemented1 or assisted in any way1 by any officer or agency of the ,federal ,government or under or in connection with a housing or urban development program administered by the ,secretary of ,housing and ,urban ,development or a housing or related program administered by any other such officer or agency1 or is purchased or securitized by the ,federal ,home ,loan ,mortgage ,corporation or the ,federal ,national ,mortgage ,association4 7#f7 ,moratorium period ,the term moratorium period means1 with respect to a disaster area1 the period that-- 7,a7 begins upon the declaration of the disaster for which such declaration was made2 and 7,b7 ends upon the later of-- 7i7 the date on which the effectiveness of such declaration terminates for such area2 or 7ii7 the date on which a certification under section #e7;b7 for the ,state in which such area is located is published in the ,federal ,register4 #e4 ,termination of moratorium period by unemployment rate 7a7 ,monitoring ,in the case of a disaster1 the ,secretary of ,labor shall continually monitor the unemployment rate for each ,state in which any disaster area with respect to such disaster is located to determine the first time after the beginning of the moratorium period with respect to any such disaster area that the unemployment rate for the ,state has been less than #h4e percent for each of #b consecutive calendar months1 each such month commencing after the beginning of the moratorium period4 7b7 ,certification ,in the case of a disaster1 the ,secretary of ,labor shall1 upon making a determination that the unemployment rate for a ,state1 as determined by the ,bureau of ,labor ,statistics1 has been less than #h4e percent for each of #b consecutive calendar months1 each such month commencing after the beginning of the moratorium period with respect to a disaster area located within such ,state1 immediately cause to be published in the ,federal ,register a certification of such unemployment rate for such months for such ,state for purposes of determining the termination of the moratorium period for such disaster area4 #f4 ,applicability ,this ,act shall apply with respect to any disaster for which the declaration of the disaster is in effect on the date of the enactment of this ,act and any disaster for which such declaration is made after such date of enactment4