Mortgage and Rental Assistance Reauthorization Act of 2005

Mortgage and Rental Assistance Reauthorization Act of 2005 - Amends the Robert T. Stafford Disaster Relief and Emergency Assistance Act to authorize the President to provide temporary assistance in the form of mortgage or rental payments for individuals and families who, because of financial hardship caused by a major disaster occurring on or after August 24, 2005, certify that they face dispossession or eviction from a residence by reason of a foreclosure of any mortgage or lien, cancellation of any contract of sale, or termination of any lease, entered into prior to such disaster.

Limits assistance to not more than 18 months.

[Congressional Bills 109th Congress]
[From the U.S. Government Publishing Office]
[H.R. 4492 Introduced in House (IH)]







109th CONGRESS
  1st Session
                                H. R. 4492

     To amend the Robert T. Stafford Disaster Relief and Emergency 
    Assistance Act to reauthorize the temporary mortgage and rental 
                           payments program.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                            December 8, 2005

Mrs. Maloney (for herself, Ms. Waters, and Mr. Melancon) introduced the 
 following bill; which was referred to the Committee on Transportation 
                           and Infrastructure

_______________________________________________________________________

                                 A BILL


 
     To amend the Robert T. Stafford Disaster Relief and Emergency 
    Assistance Act to reauthorize the temporary mortgage and rental 
                           payments program.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Mortgage and Rental Assistance 
Reauthorization Act of 2005''.

SEC. 2. FINDINGS.

    Congress finds the following:
            (1) The mortgage and rental assistance program was 
        authorized under the Robert T. Stafford Disaster Relief and 
        Emergency Assistance Act (42 U.S.C. 5121 et seq.) to provide 
        assistance to individuals who have lost a portion of their 
        income and are having difficulties paying their rents or 
        mortgages.
            (2) The Disaster Mitigation Act of 2000 (Public Law 106-
        390) amended the Stafford Act to end the program in May 2002.
            (3) Following the major disaster declaration resulting from 
        the terrorist attacks in New York on September 11, 2001, the 
        Federal Emergency Management Agency allowed the use of funds 
        under the program to aid residents who were having difficulties 
        paying their rents or mortgages.
            (4) The program should be reauthorized to allow the Federal 
        Government to provide direct housing assistance to those who 
        have been displaced by Hurricane Katrina.

SEC. 3. TEMPORARY MORTGAGE RENTAL ASSISTANCE.

    Section 408(c)(1) of the Robert T. Stafford Disaster Relief and 
Emergency Assistance Act (42 U.S.C. 5174(c)(1)) is amended--
            (1) by redesignating subparagraph (B) as subparagraph (C); 
        and
            (2) by inserting after subparagraph (A) the following:
                    ``(B) Temporary mortgage and rental payments.--
                            ``(i) In general.--The President is 
                        authorized to provide assistance on a temporary 
                        basis in the form of mortgage or rental 
                        payments to or on behalf of individuals and 
                        families who, as a result of financial hardship 
                        caused by a major disaster, certify that they 
                        face dispossession or eviction from a residence 
                        by reason of a foreclosure of any mortgage or 
                        lien, cancellation of any contract of sale, or 
                        termination of any lease, entered into prior to 
                        such disaster.
                            ``(ii) Duration of assistance.--The 
                        assistance under this subparagraph shall be 
                        provided for the duration of the period of 
                        financial hardship but not to exceed 18 
                        months.''.

SEC. 4. APPLICABILITY.

    The amendments made by section 3 shall apply with respect to a 
major disaster occurring on or after August 24, 2005.
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