Definitions

For purposes of this Act, the following definitions shall apply: (1) Covered dwelling The term covered dwelling means a dwelling that is occupied by a tenant— (A) pursuant to a residential lease; or (B) without a lease or with a lease terminable under State or District of Columbia law. (2) Disaster The term disaster means— (A) any national emergency declared by the President under the National Emergencies Act (50 U.S.C. 1601 et seq.); (B) any major disaster or emergency declared by the President under the Robert T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C. 4121 et seq.); or (C) any major disaster or emergency declared by the Governor of a State, the Mayor of the District of Columbia, or the Chief Executive of an Indian Tribal government. (3) Disaster area The term disaster area means, with respect to a disaster, any area that at any time is subject to the declaration of such disaster. (4) Dwelling The term dwelling — (A) has the meaning given the term in section 802 of the Fair Housing Act (42 U.S.C. 3602); and (B) includes houses and dwellings described in section 803(b) of such Act (42 U.S.C. 3603(b)). (5) Eviction moratorium period The term eviction moratorium period means, with respect to a disaster area, the 120-day period that begins upon the declaration by the President of the disaster that such area is subject to. (6) Covered mortgage loan The term covered mortgage loan includes any consumer credit transaction (within the meaning of such term as used in the Truth in Lending Act (15 U.S.C. 1601 et seq.)), other than temporary financing such as a construction loan, that is secured by a mortgage, deed of trust, or other consensual security interest on a 1- to 4-unit dwelling or on residential real property that includes a 1- to 4-unit dwelling including individual units of condominiums and cooperatives that is secured by a first or subordinate lien on residential real property (including individual units of condominiums and cooperatives) designed principally for the occupancy of from 1 to 4 families, including any such secured loan the proceeds of which are used to prepay or pay off an existing loan secured by the same property, but such term does not include a credit transaction under an open-end credit plan other than a reverse mortgage. (7) Foreclosure moratorium period The term foreclosure moratorium period means, with respect to a disaster area, the 6-month period that begins upon the declaration of the disaster for which such declaration was made.