date on which the lessor provides the tenant with a 
notice to vacate; and 
(2) issue a notice to vacate under paragraph (1) 
until after the expiration of the eviction moratorium 
period with respect to such area. 
SEC. 3. FORECLOSURE MORATORIUM. 
Except with respect to a vacant or abandoned prop-
erty, in the case of any disaster, a servicer of a covered 
mortgage loan on a property located within the disaster 
area may not, during the foreclosure moratorium period 
with respect to such area, initiate any judicial or non-judi-
cial foreclosure process, schedule a foreclosure sale, move 
for a foreclosure judgment or order of sale, or execute a 
foreclosure-related eviction or foreclosure sale. 
SEC. 4. DEFINITIONS. 
For purposes of this Act, the following definitions 
shall apply: 
(1) COVERED DWELLING.—The term ‘‘covered 
dwelling’’ means a dwelling that is occupied by a 
tenant— 
(A) pursuant to a residential lease; or 
(B) without a lease or with a lease ter-
minable under State law. 
(2) DISASTER.—The term ‘‘disaster’’ means— 
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(A) any national emergency declared by 
the President under the National Emergencies 
Act (50 U.S.C. 1601 et seq.); or 
(B) any major disaster or emergency de-
clared by the President under the Robert T. 
Stafford Disaster Relief and Emergency Assist-
ance Act (42 U.S.C. 4121 et seq.). 
(3) DISASTER AREA.—The term ‘‘disaster area’’ 
means, with respect to a disaster, any area that at 
any time is subject to the declaration of such dis-
aster. 
(4) DWELLING.—The term ‘‘dwelling’’— 
(A) has the meaning given the term in sec-
tion 802 of the Fair Housing Act (42 U.S.C. 
3602); and 
(B) includes houses and dwellings de-
scribed in section 803(b) of such Act (42 
U.S.C. 3603(b)). 
(5) EVICTION MORATORIUM PERIOD.—The term 
‘‘eviction moratorium period’’ means, with respect to 
a disaster area, the 120-day period that begins upon 
the declaration by the President of the disaster that 
such area is subject to. 
(6) COVERED
MORTGAGE
LOAN.—The term 
‘‘covered mortgage loan’’ includes any consumer 
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credit transaction (within the meaning of such term 
as used in the Truth in Lending Act (15 U.S.C. 
1601 et seq.)), other than temporary financing such 
as a construction loan, that is secured by a mort-
gage, deed of trust, or other consensual security in-
terest on a 1- to 4-unit dwelling or on residential 
real property that includes a 1- to 4-unit dwelling 
including individual units of condominiums and co-
operatives that is secured by a first or subordinate 
lien on residential real property (including individual 
units of condominiums and cooperatives) designed 
principally for the occupancy of from 1 to 4 families, 
including any such secured loan the proceeds of 
which are used to prepay or pay off an existing loan 
secured by the same property, but such term does 
not include a credit transaction under an open-end 
credit plan other than a reverse mortgage. 
(7) FORECLOSURE MORATORIUM PERIOD.—The 
term ‘‘foreclosure moratorium period’’ means, with 
respect to a disaster area, the 6-month period that 
begins upon the declaration of the disaster for which 
such declaration was made. 
SEC. 5. APPLICABILITY. 
This Act shall apply with respect to any disaster for 
which the declaration of the disaster is in effect on the 
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date of the enactment of this Act and any disaster for 
which such declaration is made after such date of enact-
ment. 
Æ 
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