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Protections for renters

If you’re having trouble making rent payments as a result of the coronavirus pandemic, you are not alone. Fortunately, there are steps renters can take, as well as many significant protections from eviction that apply in certain situations.

Federal, state, and local governments are taking action to offer relief, and this includes helping and protecting many renters. Keep reading to find out about these protections.

Learn about federal protections for renters

The Coronavirus Aid, Relief, and Economic Security (CARES) Act provides certain protections from eviction and late fees due to nonpayment of rent for most tenants in federally subsidized or federally backed housing.

From March 27 to July 24, 2020, if you fall into a category described below, your landlord or housing authority may not:

  • File a legal action to evict you for nonpayment of rent or other fees or charges
  • Charge fees, penalties, or other charges related to nonpayment
  • Give you a 30-day notice to vacate (leave the property) until July 25, 2020

If your landlord is getting CARES Act relief from mortgage payments on your home, then you may be protected from eviction for a longer period (beyond July 25, 2020).

These CARES Act protections do not apply if:

  • Your landlord filed a lawsuit to evict you before March 27, 2020. In this situation, your state or local jurisdiction may be offering protection from eviction.
  • You are being evicted for reasons other than nonpayment of rent or fees and charges related to nonpayment of rent. For instance, your landlord can still evict you for breaking other agreements in your lease.

Rent payments are still due

Even if the CARES Act eviction moratorium applies to you, rent payments are still due on the usual date. If you can, continue to pay your rent to avoid eviction in the future.

If you are experiencing financial hardship that makes it difficult to pay your rent on time, contact your landlord or housing authority right away.

  • If you rent from a private company or landlord, a repayment agreement may help you avoid eviction once the moratorium is over.
  • If you live in federally-subsidized housing and your income has changed, you may qualify for a reduction in rent. Contact your housing authority to talk about income recertification. You may also be eligible for a financial hardship exemption.

Find out if you're protected

You may be protected from eviction if you receive federal rental assistance or live in federally subsidized housing, or your landlord has a federally-backed mortgage.

The CARES Act protections apply to you if:

This includes:

  • Section 8 housing choice voucher program
  • Rural housing voucher program
  • McKinney-Vento homeless assistance grants
  • Housing Opportunities for Persons with AIDS (HOPWA)
  • Rural Development Vouchers

To find out what type of rental assistance you have

This includes:

  • Public housing
  • Section 8 project-based housing
  • Section 8 Moderate Rehabilitation
  • Section 202 housing for the elderly
  • Section 811 housing for people with disabilities
  • Section 236 or 538 multifamily rental housing
  • Below Market Interest Rate (BMIR) housing
  • Housing Opportunities for Persons with AIDS (HOPWA)
  • Rural Development multifamily housing programs, grants, or vouchers (Section 516 Farm Labor Housing Grants, Section 542 Rural Development Vouchers, Section 521 Rural Rental Assistance, Section 533 Housing Preservation grants)
  • Low-Income Housing Tax Credit Program (LIHTC)

To find out what type of housing you’re in:

  • Contact HUD at (800) 955-2232, 9:00 a.m. – 5:00 p.m. E.S.T., Monday through Friday.
  • Visit the National Low-Income Housing Coalition’s multifamily housing search tool .
  • See these FAQs for CARES Act information for public housing tenants.

This includes:

  • FHA, VA, HUD, and USDA mortgages.
  • It also includes mortgage loans backed by Fannie Mae and Freddie Mac.

If you live in a building with 5 or more units:

If you are renting in a property with four or fewer units, your landlord can also check with Freddie Mac, Fannie Mae, VA , or USDA to find out if their property is covered.


The CARES Act gives landlords of certain multifamily properties the right to temporary relief from making mortgage payments (forbearance) if they have a federally-backed mortgage. You may not know if your landlord is getting this relief unless you talk with them or do further investigation. If they are getting relief with respect to certain multifamily mortgage payments, then you may be protected from eviction for a longer period of time.

During this relief period, your landlord cannot:

  • Evict you or start an eviction solely for nonpayment of rent or other fees or charges
  • Charge you any late fees or penalties for late payments of rent
  • Give you a 30-day notice to vacate

These protections last until the National Coronavirus Emergency ends or December 31, 2020, whichever date comes first.

What to check next

Many state and local governments have stopped evictions because of the coronavirus pandemic. The details of how renters are protected, and for how long, depend on where you live.

Some states have:

  • Prohibited any eviction notices or action
  • Stopped all court eviction hearings
  • Stopped enforcing eviction orders or judgments

Visit the Eviction Lab’s list of state and local eviction and foreclosure limits to find out if your state or local community has eviction protections during this time.

If you’re facing financial hardship

The CFPB is committed to providing consumers with up-to-date information and resources to protect and manage their finances during this difficult time. We have resources to help you evaluate your current finances and make decisions about your budget.

For more resources, visit the CFPB’s Coronavirus landing page.

Having issues with your landlord?

Housing discrimination

Federal law prohibits housing discrimination based on your race, color, national origin, religion, sex, family status, or disability. If you have been trying to buy or rent a home or apartment and you believe your rights have been violated, you can file a fair housing complaint with HUD.

Landlord complaints in federal housing

Hundreds of landlords have been fined and/or debarred from doing business with the federal government as a result of failing to provide safe and decent housing for the poor, while enriching themselves on taxpayer-funded subsidies. Find out how to report a bad landlord.