,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #hadb  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,septemb] #a1         
#bjbj,mrs4 ,dem+s 7= h]self1 ,mrs4      
,hayes1 ,ms4 ,norton1 ,mr4 ,lawson (    
,florida1 ,ms4 ,wilson ( ,florida1 ,mr4 
,c>son ( ,indiana1 & ,mr4 ,?ompson (    
,mississippi7 introduc$ ! foll[+ bill2  
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices1 & 9 addition to !   
,committee on ,education & ,labor1 = a  
p]iod to be subsequ5tly det]m9$ by !    
,speak]1 9 ea* case = consid]ation ( su*
 provisions z fall )9 ! jurisdiction ( !
 committee conc]n$  ,a ,,bill  ,to      
provide = a moratorium on evictions f & 
=eclosures on resid5ces dur+ a major    
disa/] or em]g5cy1 & = o!r purposes4    
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,f$]al ,disa/] ,h\s+ ,/ability ,act ( 
#bjbj4  #b4 ,=eclosure moratorium       
,except ) respect to a vacant or ab&on$ 
prop]ty1 9 ! case ( any disa/]1 a s]vic]
 ( a ,f$]ally back$ mortgage loan on a  
prop]ty locat$ )9 ! disa/] area )       

respect to su* disa/] may n1 dur+ !     
moratorium p]iod ) respect to su* area1 
initiate any judicial or non-judicial   
=eclosure process1 move = a =eclosure   
judgm5t or ord] ( sale1 or execute a    
=eclosure-relat$ eviction or =eclosure  
sale4  #c4 ,eviction moratorium  7a7    
,moratorium ,9 ! case ( any disa/]1 !   
lessor ( a cov]$ dwell+ t is locat$ )9 !
 disa/] area ) respect to su* disa/] may
 n1 dur+ ! moratorium p]iod ) respect to
 su* area-- 7#a7 make1 or cause to be   
made1 any fil+ ) ! c\rt ( jurisdiction  
to initiate a legal action to recov]    
possession ( ! cov]$ dwell+ f ! t5ant = 
nonpaym5t ( r5t or o!r fees or *>ges2 or
  7#b7 *>ge fees1 p5alties1 or o!r *>ges
 to ! t5ant relat$ to su* nonpaym5t (   
r5t4  7b7 ,notice ,9 ! case ( any       
disa/]1 ! lessor ( a cov]$ dwell+ unit t
 is locat$ )9 ! disa/] area ) respect to
 su* disa/]-- 7#a7 may n require ! t5ant
 to vacate ! cov]$ dwell+ unit be=e !   
date t is #cj days aft] ! date on :i* ! 
lessor provides ! t5ant ) a notice to   

vacate2 &  7#b7 may n issue a notice to 
vacate "u p>agraph 7#a7 until aft] !    
expiration ( ! moratorium p]iod )       
respect to su* area4  #d4 ,def9itions ,=
 purposes ( ?is ,act1 ! foll[+          
def9itions %all apply3 7#a7 ,cov]$      
dwell+ ,! t]m cov]$ dwell+ means a      
dwell+ t is occupi$ by a t5ant-- 7,a7   
pursuant to a resid5tial lease2 or  7,b7
 )\t a lease or ) a lease t]m9able "u   
,/ate law2 &  7#b7 ,disa/] ,! t]m disa/]
 means-- 7,a7 any national em]g5cy      
decl>$ by ! ,presid5t "u ! ,national    
,em]g5cies ,act 7#ej ,u4,s4,c4 #afja et 
seq472 or  7,b7 any major disa/] or     
em]g5cy decl>$ by ! ,presid5t "u !      
,rob]t ,t4 ,/af=d ,disa/] ,relief &     
,em]g5cy ,assi/ance ,act 7#db ,u4,s4,c4 
#daba et seq474  7#c7 ,disa/] area ,!   
t]m disa/] area means1 ) respect to a   
disa/]1 any area t at any "t is subject 
to ! decl>ation ( su* disa/]4  7#d7     
,dwell+ ,! t]m dwell+-- 7,a7 has ! mean+
 giv5 ! t]m 9 section #hjb ( ! ,fair    
,h\s+ ,act 7#db ,u4,s4,c4 #cfjb72 &     

7,b7 includes h\ses & dwell+s describ$ 9
 section #hjc7;b7 ( su* ,act 7#db       
,u4,s4,c4 #cfjc7;b774  7#e7 ,f$]ally    
back$ mortgage loan ,! t]m ,f$]ally     
back$ mortgage loan includes any loan   
7o!r ?an tempor>y f9anc+ su* z a        
con/ruction loan7 t-- 7,a7 is secur$ by 
a fir/ or subord9ate li5 on resid5tial  
real prop]ty 7includ+ individual units (
 condom9iums & coop]atives7 design$     
pr9cipally = ! occupancy ( f #a to #d   
families1 includ+ any su* secur$ loan1 !
 proce$s ( :i* are us$ to prepay or pay 
(f an exi/+ loan secur$ by ! same       
prop]ty2 &  7,b7 is made 9 :ole or 9 "p1
 or insur$1 gu>ante$1 supplem5t$1 or    
assi/$ 9 any way1 by any (fic] or ag5cy 
( ! ,f$]al ,gov]nm5t or "u or 9         
connection ) a h\s+ or urban developm5t 
program adm9i/]$ by ! ,secret>y ( ,h\s+ 
& ,urban ,developm5t or a h\s+ or relat$
 program adm9i/]$ by any o!r su* (fic]  
or ag5cy1 or is pur*as$ or securitiz$ by
 ! ,f$]al ,home ,loan ,mortgage         
,corporation or ! ,f$]al ,national      

,mortgage ,association4  7#f7           
,moratorium p]iod ,! t]m moratorium     
p]iod means1 ) respect to a disa/] area1
 ! p]iod t-- 7,a7 beg9s ^u ! decl>ation 
( ! disa/] = :i* su* decl>ation 0 made2 
&  7,b7 ends ^u ! lat] (-- 7i7 ! date on
 :i* ! effectiv5ess ( su* decl>ation    
t]m9ates = su* area2 or  7ii7 ! date on 
:i* a c]tification "u section #e7;b7 = !
 ,/ate 9 :i* su* area is locat$ is      
publi%$ 9 ! ,f$]al ,regi/]4  #e4        
,t]m9ation ( moratorium p]iod by        
unemploym5t rate  7a7 ,monitor+ ,9 !    
case ( a disa/]1 ! ,secret>y ( ,labor   
%all cont9ually monitor ! unemploym5t   
rate = ea* ,/ate 9 :i* any disa/] area )
 respect to su* disa/] is locat$ to     
det]m9e ! fir/ "t aft] ! beg9n+ ( !     
moratorium p]iod ) respect to any su*   
disa/] area t ! unemploym5t rate = !    
,/ate has be5 less ?an #h4e p]c5t = ea* 
( #b consecutive cal5d> mon?s1 ea* su*  
mon? comm5c+ aft] ! beg9n+ ( !          
moratorium p]iod4  7b7 ,c]tification ,9 
! case ( a disa/]1 ! ,secret>y ( ,labor 

%all1 ^u mak+ a det]m9ation t !         
unemploym5t rate = a ,/ate1 z det]m9$ by
 ! ,bureau ( ,labor ,/ati/ics1 has be5  
less ?an #h4e p]c5t = ea* ( #b          
consecutive cal5d> mon?s1 ea* su* mon?  
comm5c+ aft] ! beg9n+ ( ! moratorium    
p]iod ) respect to a disa/] area locat$ 
)9 su* ,/ate1 imm$iately cause to be    
publi%$ 9 ! ,f$]al ,regi/] a            
c]tification ( su* unemploym5t rate =   
su* mon?s = su* ,/ate = purposes (      
det]m9+ ! t]m9ation ( ! moratorium p]iod
 = su* disa/] area4  #f4 ,applicability 
,?is ,act %all apply ) respect to any   
disa/] = :i* ! decl>ation ( ! disa/] is 
9 effect on ! date ( ! enactm5t ( ?is   
,act & any disa/] = :i* su* decl>ation  
is made aft] su* date ( enactm5t4