; and (B) includes houses and dwellings described 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 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 mortgage, deed of trust, or other consensual security interest 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 cooperatives 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. 5. Applicability This Act shall apply with respect to any disaster for which the declaration of the disaster is in effect on the date of the enactment of this Act and any disaster for which such declaration is made after such date of enactment.