This act removes Section 4024(c) from the CARES Act to clarify the enforcement of state housing laws.
Barry Loudermilk
Representative
GA-11
The Respect State Housing Laws Act aims to clarify federal housing regulations by amending the CARES Act. Specifically, this legislation removes Section 4024(c) from the CARES Act.
The 'Respect State Housing Laws Act' is a short but heavy-hitting piece of legislation that aims to strike Section 4024(c) from the CARES Act. While that sounds like boring clerical work, it actually targets a specific federal rule that has been in place since the pandemic: the requirement that landlords of federally backed properties give tenants at least 30 days' notice before requiring them to vacate a unit. By removing this section, the bill effectively hands the steering wheel back to state and local governments to decide how quickly an eviction can move forward.
Currently, if you live in a building with a mortgage backed by Fannie Mae or Freddie Mac, or if you receive federal housing vouchers, your landlord can't just give you a three-day notice to quit if you fall behind on rent. Section 4024(c) of the CARES Act created a federal floor, ensuring you had a full month to find the money or find a new place to live. This bill would dissolve that floor. For a warehouse worker in a state with fast-track eviction laws, this could mean the difference between having four weeks to settle a debt and having only 72 hours before a sheriff shows up at the door. The bill’s primary goal is to eliminate this federal 'interference' and return to the pre-pandemic status quo where state law is the final word.
The impact of this change will look very different depending on your zip code. In states with robust tenant protections, you might not notice a thing. However, in states that prioritize landlord rights and fast property turnover, the removal of this federal notice requirement could significantly accelerate the eviction process. For families living paycheck to paycheck or gig workers dealing with a slow month, that 30-day window often serves as a critical safety net. Without it, the legal process for removing a tenant moves much faster, which benefits property owners looking to cut losses but leaves vulnerable renters with almost no time to navigate a financial crisis.
Because this bill is a direct repeal of a specific paragraph in existing law, the change would be immediate upon enactment. There is no complex rollout or new agency being created; it simply deletes the federal requirement. The challenge here lies in the potential for confusion and a sudden spike in housing instability in regions with minimal state-level protections. By framing this as 'respecting state laws,' the bill shifts the responsibility for housing security entirely onto state legislatures, many of which have much shorter notice periods than the 30 days currently mandated by the federal government.