Biden extends eviction ban. What renters need to know about new 60-day order from the CDC


The eviction moratorium now goes to Oct. 3.


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Days after the federal block on evictions expired on July 31, President Joe Biden’s administration issued a new order on Tuesday briefly extending the moratorium for 60 days. The new order is designed to “target specific areas of the country where cases are rapidly increasing, which likely would be exacerbated by mass evictions,” in accordance to the Centers for Disease Control and Prevention, which issued the order.

About 44 million households — about one-third of the US inhabitants — are renters, lots of which have been protected by some type of an eviction moratorium since Congress passed the initial CARES Act in March. In parallel with the federal renter safety, some state and native governments have momentary eviction moratoriums. Los Angeles County, for instance, has banned evictions — each residential and industrial — by way of Sept. 30.

The momentary halt on evictions runs to Oct. 3 and may very well be prolonged the CDC mentioned. We’ll unpack the nationwide eviction moratorium to clarify who is roofed, what may not be lined and what you need to do now if you happen to’re frightened about getting evicted. Here’s what you need to know about the month-to-month child tax credit payments, how to opt out of the monthly payments and the way to sign up for direct deposit utilizing the IRS portals. This story was up to date with new data.


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What does the new eviction ban cover?

After the nationwide eviction ban lapsed on July 31, the CDC on Tuesday issued a new and targeted ban on evictions that runs through Oct. 3. Calling it a “new moratorium,” President Joe Biden on Tuesday said the CDC order “covers close to 90% of the American people who are renters.”

A study this spring by the Department of Housing and Urban Development found that 14.3% of 44.1 million renter households were behind on rent and 9.9% had zero confidence in their ability to make next month’s rent.

The new order temporarily is intended to halt evictions in areas hardest hit by COVID-19 and the delta variant. The CDC said without the order, evictions in these areas would likely boost the number of infections.

Here’s who is protected from eviction under the new rules:

  • The renter has tried to obtain governmental assistance for rent or housing
  • The renter earned no more than $99,000, or $198,000 if filing jointly, in 2020 or does not expect to in 2021
  • The renter is unable to pay the full rent due to loss of household income or out-of-pocket medical expenses
  • If an eviction would result in homelessness or force the renter to reside in close quarters in a shared living setting
  • The renter lives in a county experiencing a high rate of infection.

Who qualifies for financial assistance under the rules?

The American Rescue Plan passed in March set aside $21.5 billion for rental assistance. This is in addition to $25 billion allocated to states under December’s stimulus law. To be considered for assistance drawn from those funds, renter households have to meet three qualifications:

  • Household income must not exceed 80% of the median income for the area in which you live.
  • Must include at least one member who can demonstrate a risk of becoming homeless without assistance.
  • Must include at least one household member who either qualifies for unemployment benefits or has experienced financial hardship due either directly or indirectly to the coronavirus pandemic.

Priority is given to the most financially insecure among those households. That means the first households to receive aid would include:

  • Households whose income does not exceed 50% of the area median income.
  • Households with members who are currently unemployed and have been unemployed for 90 days or more.

Money received through this program is nontaxable. 

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President Biden is also proposing assistance with utility costs.


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What did the original national eviction ban cover?

The CDC instituted a national eviction moratorium by building on a 1944 public health law intended to curb the spread of a pandemic. Because homelessness can increase the spread of COVID-19, the order halts evictions across the US for anyone who has lost income due to the pandemic and has fallen behind on rent.

The federal mandate didn’t prohibit late fees (although some local ordinances do), nor did it let tenants off the hook for any back rent they owe. It also didn’t establish any kind of financial assistance fund to help renters get caught up — a safeguard some say is critical to preventing a massive wave of evictions when the ban eventually lifts. (Many cities and states, however, have set aside money to help with rent — keep reading for how to find assistance where you live.)

The order only halted evictions for not paying rent. Lease violations for other infractions — criminal conduct, becoming a nuisance and so on — are still enforceable with eviction. And it only protects renters who earn less than $99,000 per year or $198,000 for joint filers. Finally, renters had to print and sign an affidavit declaring their eligibility for protections (the next section breaks down those requirements).

What to do if you’re facing financial hardship today

If you’re in need of immediate shelter or emergency housing, the federal Department of Housing and Urban Development maintains a state-by-state list of housing organizations in your area. Select your state from the drop-down menu for a list of resources near you.

In response to the coronavirus pandemic, many states and cities have expanded their available financial assistance for those who are struggling to pay rent. To see what programs might be available near you, find your state on this list of rent relief programs maintained by the National Low Income Housing Association.

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DoNotPay offers a variety of legal services, including financial relief relating to the coronavirus pandemic.


Screenshot by Dale Smith/CNET

Nonprofit 211.org connects those in need of help with essential community services in their area and has a specific portal for pandemic assistance. If you’re having trouble with your food budget or paying your housing bills, you can use 211.org’s online search tool or dial 211 on your phone to talk to someone who can try to help.

JustShelter.org is a nonprofit that puts tenants facing eviction in touch with local organizations that can help them to remain in their homes or, in worst-case scenarios, find emergency housing. 

The online legal services chatbot at DoNotPay.com has a coronavirus financial relief tool that it says will identify which of the laws, ordinances and measures covering rent and evictions apply to you based on your location. 

If you’re seriously delinquent in payments or know you will be soon, you may want to consult a lawyer to better understand how laws in your area apply to your situation. Legal Aid provides attorneys free of charge to qualified clients who need help with civil matters such as evictions. You can locate the nearest Legal Aid office using this search tool

If you can no longer afford rent on your current home, relocation might be an option. Average rental prices have declined across the US since February, according to an August report by Zillow. Apps like ZillowTrulia and Zumper can help you find something more affordable. Just be aware that you may still be held responsible for any back rent you currently owe as well as any rent that accrues between now and the end of your lease (if you have one), whether or not you vacate.

Try asking your landlord for a rent reduction or extension

In almost all instances it’s probably best to work out an arrangement with your landlord or leasing agency, if at all possible. Although some landlords have reportedly reacted to the pandemic by putting even more pressure on tenants to pay upother landlords have risen to the occasion, some going so far as to stop collecting rent payments for a period of time. 

It may be worth approaching your landlord to see if you can pay less rent in the coming months, or spread payments for the next couple of months’ rent out over the next year. Just be wary of landlords who make excessive demands. For example, some have asked tenants to turn over their $1,200 stimulus check or any money received from charity as a condition for not filing an eviction order. Don’t agree to unreasonable conditions or terms you won’t be able to meet, especially if your city or state has enacted protections against such arrangements.

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