Post Authored By: Kenny Matuszeski and Michael Beltran

As the novel coronavirus continues to affect citizens’ health, careers, and housing security, citizens may rely on several forms of relief to prevent eviction or foreclosure on their mortgages. First, the Centers for Disease Control and Prevention (“CDC”) issued an order, effective September 4, 2021, temporarily halting residential evictions of tenants, lessees, and residents of residential properties.[1] In order to receive this relief, citizens must meet certain eligibility requirements and complete a declaration stating that they meet these requirements.[2] However, citizens must still pay rent and abide by the rules of their lease or tenancy.[3] The CDC evictions moratorium does not prevent foreclosures on a home mortgage and will remain in effect until January 31, 2021.[4]

Second the Federal Housing Administration (“FHA”) has issued a “foreclosure and eviction moratorium for single family FHA-insured mortgages” through February 28, 2021.[5] It also extended the deadline to request an initial COVID-19 forbearance to either defer or reduce mortgage payments for single family borrowers with FHA-insured mortgages until February 28, 2021.[6] This forbearance applies for up to 6 months and can be extended an additional 6 months.[7]

Third, the Federal Housing Finance Agency (“FHFA”) extended its moratorium on foreclosures and evictions for borrowers with mortgages backed by Freddie Mac and Fannie Mae until at least January 31, 2021.[8] However, the FHFA moratorium only applies to enterprise-backed, single-family mortgage and real estate owned evictions, which are properties acquired by enterprises through foreclosure or deed-in-lieu of foreclosure transactions.[9]

States have also issued moratoriums on evictions, and many will last longer than the federal relief described above. In addition to providing moratoriums on evictions, several states have also issued moratoriums on utility shut-offs due to nonpayment. A chart showing the states offering evictions moratoriums, utility shut-off moratoriums, or both, is found below.[10] 


Is an Evictions Moratorium in force?

Is a Utility Shut-off Moratorium in force?
Arkansas No Yes
California Yes, until February 1, 2021 Yes, until April 16, 2021
Connecticut Yes, until February 9, 2021 No, but the statutory Winter Protection Plan prevents utility shut-off due to financial hardship.
Delaware Yes, until February 9, 2021 No
District of Columbia Yes, until March 31, 2021 Yes, until March 31, 2021
Hawaii Yes, until February 14, 2021 No
Illinois Yes, until February 6, 2021 Yes, until March 31, 2021. But citizens must call the utility companies and verbalize financial hardship.
Kansas Yes, until January 26, 2021 Partial. Utility companies are required to offer repayment plans.
Maryland Yes, up to 30 days after the end of the state of emergency. No
Minnesota Yes, until January 13, 2021 Partial. State-regulated utilities must give consumers protection during the pandemic.
Nevada Yes, until March 31, 2021 No
New Jersey Yes, until the end of the state of emergency and an additional 2 months. Yes, until March 15, 2021
New York Yes, until May 1, 2021 Yes
North Carolina Yes, until January 31, 2021 No
Oregon Yes, until June 30, 2021 No
Vermont February 14, 2021 No
Virginia No Yes, until at least 60 days after the end of a state of emergency ends.
Washington Yes, until March 31, 2021 Yes, until April 30, 2021
Wisconsin No Yes, until April 15, 2021

Any changes or updates in relief offered to renters and mortgage borrowers at both the state and federal level will be noted in the upcoming months. 

[1] Protections for renters, Consumer Fin. Protection Bureau (Nov. 2, 2020),

[2] Id.

[3] Id.

[4] Id.

[5] Press Release, Dep’t of Housing and Urban Dev., FHA Extends Options Available for Single Family Borrowers Financially Impacted by COVID-19 (Dec. 21, 2020) (on file with author),

[6] Id.

[7] Id.

[8] News Release, Fed. Housing Fin. Agency, FHFA Extends Foreclosure and REO Eviction Moratoriums (Dec. 2, 2020) (on file with author),

[9] Id.

[10] See Ann O’Connell, Emergency Bans on Evictions and Other Tenant Protections Related to Coronavirus, Nolo (Jan. 5, 2021),

About the Authors:

Kenneth “Kenny” Matuszewski is a Patent Attorney who concentrates his practice in patent litigation. Kenny has extensive experience litigating software, electrical and mechanical patents in federal court and the PTAB. He also advises clients about design rights and trademarks. A firm believer that learning is a lifelong process, Kenny will graduate with a B.S. in Computer Science from Oregon State University in December 2019. Previously, he double-majored in Biological Sciences and Spanish at the University of Notre Dame and earned his J.D. at Chicago-Kent College of Law. In addition to serving as a Project Officer, Kenny is one of the Head Editors for the @theBar blog and a Co-Chair for the YLS IP Committee. He also received the YLS’ Rising Star Award for Leaders with Exceptional Promise in 2019. In his spare time, Kenny plays tuba and euphonium in the CBA’s Symphony Orchestra and Barristers’ Big Band. 

Michael Beltran is a member of the Florida House of Representatives, representing District 57. He graduated magna cum laude from the University of Pennsylvania with a B.A. in 2005, and later graduated from Harvard Law School with a J.D. in 2008 and moved to Florida in 2010. In addition to serving in the House of Representatives, Michael has been a litigator for more than a decade. A former undefeated light heavyweight wrestler from Brooklyn, Michael has worked for several of the world’s largest law firms and served as a Judicial Law Clerk for the Hon. Steven D. Merryday in the Middle District of Florida.