; or (B) without a lease or with a lease terminable at will under State law. (2) Dwelling The term dwelling has the meaning given such term in section 802 of the Fair Housing Act ( 42 U.S.C. 3602 ) and includes houses and dwellings described in section 803(b) of such Act ( 42 U.S.C. 3603(b) ). (d) Notice To vacate after moratorium expiration date After the expiration of the period described in subsection (b), the lessor of a covered dwelling may not require the tenant to vacate the covered dwelling by reason of nonpayment of rent or other fees or charges before the expiration of the 30-day period that begins upon the provision by the lessor to the tenant, after the expiration of the period described in subsection (b), of a notice to vacate the covered dwelling. . (b) Mortgage relief (1) Forbearance and foreclosure moratorium for covered mortgage loans Section 4022 of the CARES Act ( 15 U.S.C. 9056 ) is amended— (A) by striking Federally backed mortgage loan each place such term appears and inserting covered mortgage loan ; and (B) in subsection (a)— (i) by amending paragraph (2) to read as follows: (2) Covered mortgage loan The term covered mortgage loan means any credit transaction that is secured by a mortgage, deed of trust, or other equivalent consensual security interest on a 1- to 4-unit dwelling or on residential real property that includes a 1- to 4-unit dwelling, except that it shall not include a credit transaction under an open end credit plan other than a reverse mortgage.