disaster stability (a) Establishment Not later than 365 days after the date of enactment of this Act, the Administrator of FEMA, in coordination with the Secretary of Housing and Urban Development and with the advice of the Bureau of Consumer Financial Protection, shall establish mechanisms to stabilize housing economies within areas designated as Federal disasters for the period of 60 months into a long-term recovery such that the available housing designated as low- and moderate-income housing is maintained at a rate that meets 90 percent or more of the pre-disaster low- to moderate-income housing levels for the population impacted by the disaster. (b) Requirements In establishing the mechanisms under subsection (a), the Secretary shall ensure the following: (1) Multi-unit housing owners or operators who receive disaster-related loans provided by the Small Business Administration, or provided with other Federal funding to recover, rehabilitate, or construct new housing, are prohibited from raising rents on those multi-family housing units for the first 18 months of occupancy following the disaster-related repairs or construction have ended. (2) Beginning on the date that is 18 months after a report of construction is completed and an necessary inspections certify that a segment of multifamily housing is approved for occupancy, for a period of 30 months after occupancy begins with respect to each unit that was repaired or created using Federal assistance, the cost of rent for such unit shall not increase by more than 10 percent of the rent charged for the month prior to the disaster. (3) New multi-unit housing rental rates should be comparable to the rents charged for similar rentals serving the market impacted by the disaster. (4) With respect to any unit of housing designated as a single, individually owned housing unit in a multi-unit building by local tax records at least 24 months prior to a Federally declared major disaster— (A) homeowners or purchasers of such a unit shall qualify for housing repair and