The New Eviction Moratorium: What You Need to Know

The New Eviction Moratorium: What You Need to Know

A Trump administration order could allow many renters to avoid eviction through Dec. 31. We answer renters’ questions here.

Credit…Tony Cenicola/The New York Times

The Trump administration has announced an order to suspend the possibility of eviction for millions of renters who have suffered financially because of the coronavirus pandemic. The Centers for Disease Control and Prevention said the order was an emergency action, which it is entitled to take under the law.

Here are the answers to questions that renters may have about the order, which is more expansive than the now-expired moratorium that was part of the virus relief package this spring. We will add to this list as we learn more. Please email your questions to

Who is eligible?

You must meet a five-pronged test.

  • You need to have used your “best efforts” to obtain any and all forms of government rental assistance.

  • You can’t “expect” to earn more than $99,000 in 2020, or $198,000 if you’re married and filing a joint tax return. If you don’t qualify that way, you could still be eligible if you did not need to report any income at all to the federal government in 2019 or if you received a stimulus check this year.

  • You must be experiencing a “substantial” loss of household income, a layoff or “extraordinary” out-of-pocket medical expenses (which the order defines as any unreimbursed expense likely to exceed 7.5 percent of your adjusted gross income this year).

  • You have to be making your best efforts to make “timely” partial payments that are as close to the full amount due as “circumstances may permit,” taking into account other nondiscretionary expenses.

  • Eviction would “likely” lead to either homelessness or your having to move to a place that was more expensive or where you could get sick from being close to others.

A lot of that is pretty subjective. If it’s a close call, who decides?

Landlords who disagree with renters’ self-assessments could try to evict nonpaying tenants by arguing that they are not a “covered person” within the order’s scope and dare them to fight back legally. Then it could be up to a housing court judge to decide if a renter is eligible or if the landlord can, in fact, evict.

How do I prove to my landlord that I’m eligible?

You can use the declaration form that the C.D.C. published on its website.

Soon after the order appeared, the Legal Innovation and Technology lab at Suffolk University Law School created an interactive tool that can help people determine if they are eligible. It can also generate a declaration to give to a landlord.

The sample declaration form does not say anything about whether I need to prove my hardship to my landlord. Should I attach bank statements or other documents?

No, not to the declaration — at least not at first. The way the order is written means you need not lay out specifics in your declaration, said Emily Benfer, a visiting professor of law at Wake Forest University.

If the landlord challenges your initial assessment, however, you should provide “reasonable” specifics to prove your eligibility, according to senior administration officials who helped write the order.

The order says every adult who is on the lease should draft and sign a separate declaration.

I have a roommate. How do the rules work for us?

The order does not deal with roommates directly, but the officials clarified that the income cap was $99,000 per roommate. As for who should pay what if just one person can’t pay in full, the specifics may depend on the terms of the lease, any written agreement between you and your roommate, and applicable state or local law.

Eric Dunn, director of litigation for the National Housing Law Project, said it was possible that housing court judges would interpret the order expansively in this context. For example, consider a scenario where one roommate would become homeless if evicted but the other could move in with parents in an uncrowded home. In that instance, he said, the second roommate could not truthfully sign the declaration.

So would only the first roommate receive protection from the moratorium? “This would be an absurd result, and regulations should be interpreted to avoid absurd results,” Mr. Dunn said. He predicted that courts would dismiss eviction cases filed against tenant households where at least one member has signed a declaration.

I’m in a pretty bad way. Can I stretch the truth some?

You shouldn’t. The order makes a point of noting that the declaration “is sworn testimony, meaning that you can be prosecuted, go to jail or pay a fine if you lie, mislead or omit important information.”

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What do I do with the declarations once they are done?

Email, send or hand them to the landlord in a way that allows you to get proof that the landlord received them. That way, there will be no question as to whether you did what you were supposed to do. Make sure you keep a copy for yourself.

Then what?

Keep paying as much as you can. Otherwise, you risk failing the eligibility test, which says you should be trying to make partial payments to the best of your ability.

Can the landlord still evict me for reasons other than nonpayment?

Yes. All the usual rules about criminal behavior or disruptions or destruction of property still apply. And it’s possible that a landlord will look hard for some other reason to start the eviction process, so it’s wise to follow every term of the lease, as well as any other building or property rule.

Amy Woolard, a lawyer and policy coordinator for the Legal Aid Justice Center in Charlottesville, Va., warned of one issue that she and her colleagues frequently see cited in eviction cases: people not on the lease who are living at the property. This could be an issue if you’re hosting guests — like a family member who has already been evicted elsewhere.

Will interest or penalties accrue if I don’t pay the rent in full?

The order does not prevent landlords from charging fees, penalties or interest “under the terms of any applicable contract.” Nor does it place any restrictions on how high they can go. Check your lease to see if there is any mention of such charges.

Will I have to pay everything I owe all at once in January?

You might. The order specifically mentions this possibility. And the National Rental Home Council, a trade group for landlords who own single-family properties, said in a statement Wednesday that “once the moratorium expires, renters will owe back rent for several months.”

Does the order halt evictions that are already in process?

Yes, according to administration officials.

Does the order apply to every landlord and every residential renter in the country?

No. Aside from the income caps, your local rules may apply instead. If you’re in a state, territory or tribal area that already has a moratorium in place that provides the same or better level of protection, then that more local action will take its place. Local jurisdictions are also still free to impose stronger restrictions than the federal order. California’s moratorium goes through the end of January, for example.

The federal moratorium doesn’t apply in American Samoa, though it will if it reports its first coronavirus cases.

I’m living in a motel right now. Does the order apply to those properties?

No. The order specifically excludes hotels and motels.

What about Airbnb rentals and other similar properties?

The order excludes any “guesthouse rented to a temporary guest or seasonal tenant as defined under the laws of the state, territorial, tribal or local jurisdiction.”

What if my landlord sends me an eviction notice anyway?

Seek counsel. You can search for a low- or no-cost legal assistance office near you via the Legal Services Corporation’s online map. Just Shelter, a tenant advocacy group, also offers information on local organizations that can help renters.

A lawyer can also help if a landlord tries a different approach. For instance, a landlord might try to sue in small claims court over partial payments, without filing an eviction notice that might be illegal under the order, Mr. Dunn said.

Does the order specify the size of the penalties that landlords may be subject to?

Yes. An individual landlord could be subject to a fine up to $100,000 if no death (say from someone getting sick after eviction) results from the violation, or one year in jail, or both. If a death occurs, the fine rises to no more than $250,000. If it’s an organization in violation, the fines are $200,000 or $500,000.

Is the order legal?

The White House and the C.D.C. think so. It is possible that landlord industry groups or others will sue to stop it, in which case it will be up to the courts to decide.

Could some local housing judges simply ignore the order?

Lawyers on the ground say they would not be surprised to see that in smaller jurisdictions. “Then it would be up to the tenant to scrape together enough resources to try to file in federal court or seek an injunction from another authority in their state’s judicial system,” said Rebecca Maurer, a lawyer in Cleveland.

When does the order take effect, and how long does it last?

It takes effect as soon as it is published in the Federal Register. The order says that will happen on Sept. 4. The order applies through Dec. 31, and it’s possible that it could be extended.

I’m dizzy from all of the various local, state and federal orders. Is this the last of them?

Maybe not. Congress could pass a new relief package that would supersede this order.

Matthew Goldstein contributed reporting.

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