1. Short title This Act may be cited as the Federal Disaster Housing Stability Act of 2020 . 2. Foreclosure moratorium Except with respect to a vacant or abandoned property, in the case of any disaster, a servicer of a Federally backed mortgage loan on a property located within the disaster area with respect to such disaster may not, during the moratorium period with respect to such area, initiate any judicial or non-judicial foreclosure process, move for a foreclosure judgment or order of sale, or execute a foreclosure-related eviction or foreclosure sale. 3. Eviction moratorium (a) Moratorium In the case of any disaster, the lessor of a covered dwelling that is located within the disaster area with respect to such disaster may not, during the moratorium period with respect to such area— (1) make, or cause to be made, 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 charges; or (2) charge fees, penalties, or other charges to the tenant related to such nonpayment of rent. (b) Notice In the case of any disaster, the lessor of a covered dwelling unit that is located within the disaster area with respect to such disaster— (1) may not require the tenant to vacate the covered dwelling unit before the date that is 30 days after the date on which the lessor provides the tenant with a notice to vacate; and (2) may not issue a notice to vacate under paragraph (1) until after the expiration of the moratorium period with respect to such area. 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 terminable under State law; and (2) Disaster The term disaster means— (A) any national emergency declared by the President under the National Emergencies Act ( 50 U.S.C. 1601 et seq.)