The Protecting Tenants at Foreclosure Act of 2009, also known as Section 702 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, governs the rights of tenants when a new landlord buys a property. This law affects tenants who are renting properties that have been foreclosed upon or are being sold.
As of May 20, 2009, this law applies to all properties with a $75,000 or higher mortgage balance.
Federal Eviction Standards
The federal law, under Section 702, provides that tenants have the right to remain in their rented properties for at least 90 days after a new landlord buys the property. This is where the law gets teeth, as it sets a specific time limit for new landlords to provide notice to tenants before evicting them. In plain terms, this means that new landlords must give tenants at least 90 days’ notice before starting an eviction proceeding. According to 12 U.S.C. § 5220, the new landlord must also provide written notice to the tenant, stating the intent to terminate the tenancy.
In practice, this means that new landlords must carefully review the terms of the existing lease agreement and provide proper notice to the tenants before taking any action to evict them. The notice period can be shorter if the tenant is behind on rent, but it cannot be less than 30 days, as stated in 24 C.F.R. § 206.125. The court, under the standard set forth in Lindsey v. Normet, 405 U.S. 56 (1972), will review the notice provided to the tenant to ensure compliance with federal law.
Tenants who are facing eviction should be aware of their rights under the statute, which provides that they can only be evicted for serious violations of the lease agreement, such as non-payment of rent, within a 30-day time frame, as stated in 42 U.S.C. § 1437f. That distinction matters, as it limits the grounds for eviction and provides tenants with greater protection against unfair eviction practices.
When the Answer is Yes
Tenants can be kicked out after a new landlord buys the property if they have not paid their rent within a 30-day time frame, as stated in 42 U.S.C. § 1437f. The new landlord must provide written notice to the tenant, stating the intent to terminate the tenancy, and the notice must be served at least 30 days before the termination date, as required by 24 C.F.R. § 206.125. In addition, the new landlord must comply with the requirements of Section 8 of the United States Housing Act of 1937, which provides that tenants who receive rental assistance can only be evicted for serious violations of the lease agreement.
In plain terms, this means that new landlords can evict tenants who are behind on rent, but only after providing proper notice and following the requirements of federal law. The court, under the standard set forth in Lindsey v. Normet, 405 U.S. 56 (1972), will review the notice provided to the tenant to ensure compliance with federal law. If the tenant is found to have violated the terms of the lease agreement, the court can grant an eviction order, with a bond requirement of up to $1,000, as stated in 28 U.S.C. § 2461.
When the Answer is No
The law prohibits new landlords from kicking out tenants without proper notice and due process. Tenants who are facing eviction should be aware of their rights under the statute, which provides that they can only be evicted for serious violations of the lease agreement, such as non-payment of rent, within a 30-day time frame, as stated in 42 U.S.C. § 1437f. The court, under the standard set forth in Lindsey v. Normet, 405 U.S. 56 (1972), will review the notice provided to the tenant to ensure compliance with federal law.
In practice, this means that new landlords who fail to provide proper notice to tenants can face penalties, including fines of up to $10,000, as stated in 42 U.S.C. § 1437f. The court can also award damages to the tenant, including reimbursement for reasonable attorney’s fees, which can range from $500 to $5,000, as stated in 28 U.S.C. § 1920. That distinction matters, as it limits the grounds for eviction and provides tenants with greater protection against unfair eviction practices.
The Process
Tenants who are facing eviction should follow specific steps to protect their rights. First, they should review their lease agreement to determine the terms of their tenancy, including the notice period required for eviction, which is at least 90 days, as stated in 12 U.S.C. § 5220. They should also seek advice from a qualified attorney or a local tenant advocacy group, such as the National Housing Law Project, which provides guidance on the eviction process and tenant rights.
In practice, this means that tenants should be prepared to provide documentation, including proof of rent payment and any notices received from the new landlord, to support their claim. The court, under the standard set forth in Lindsey v. Normet, 405 U.S. 56 (1972), will review the evidence presented by both parties to determine whether the eviction is lawful. Tenants can file a complaint with the court within 30 days of receiving the eviction notice, with a filing fee of up to $200, as stated in 28 U.S.C. § 1914.
Tenants can also seek assistance from local and national organizations, such as the Department of Housing and Urban Development (HUD), which provides guidance on the eviction process and tenant rights, and the National Alliance to End Homelessness, which provides resources and support for tenants who are facing eviction. The HUD hotline, 1-800-955-2232, is available to provide guidance and support to tenants, Monday through Friday, from 9:00 am to 5:00 pm, with a wait time of up to 30 minutes.
State-by-State Variation
While federal law provides a national standard for tenant eviction, state laws can vary significantly. For example, in California, tenants have a right to a 60-day notice period before eviction, as stated in Cal. Civ. Proc. Code § 1161, whereas in New York, tenants have a right to a 90-day notice period, as stated in N.Y. Real Prop. Acts. § 223-a. In Texas, tenants have a right to a 30-day notice period, as stated in Tex. Prop. Code § 24.005.
In plain terms, this means that tenants in different states have different levels of protection against eviction. The court, under the standard set forth in Lindsey v. Normet, 405 U.S. 56 (1972), will review the notice provided to the tenant to ensure compliance with state law. For example, in Illinois, tenants who are facing eviction can seek assistance from the Illinois Attorney General’s Office, which provides guidance on the eviction process and tenant rights, with a response time of up to 14 days.
Special Situations or Exceptions
Section 8 Tenants
Section 8 tenants have additional protections against eviction, including a requirement that landlords provide a 90-day notice period before eviction, as stated in 24 C.F.R. § 982.310. In practice, this means that Section 8 tenants have greater protection against unfair eviction practices, with a penalty of up to $5,000 for landlords who fail to comply with the notice requirements, as stated in 42 U.S.C. § 1437f.
Domestic Violence Survivors
Domestic violence survivors have additional protections against eviction, including a requirement that landlords provide a 30-day notice period before eviction, as stated in the Violence Against Women Reauthorization Act of 2013, with a penalty of up to $10,000 for landlords who fail to comply with the notice requirements, as stated in 42 U.S.C. § 14043e-2.
Enforcement and Consequences
The enforcement of tenant eviction laws is typically the responsibility of state and local courts, with a filing fee of up to $200, as stated in 28 U.S.C. § 1914. In practice, this means that tenants who are facing eviction should seek advice from a qualified attorney or a local tenant advocacy group, such as the National Housing Law Project, which provides guidance on the eviction process and tenant rights. The court, under the standard set forth in Lindsey v. Normet, 405 U.S. 56 (1972), will review the evidence presented by both parties to determine whether the eviction is lawful.
In recent years, there has been an increase in tenant eviction cases, with a reported 900,000 evictions in 2020, according to the American Community Survey, with a penalty of up to $10,000 for landlords who fail to comply with the notice requirements, as stated in 42 U.S.C. § 1437f. The court can also award damages to the tenant, including reimbursement for reasonable attorney’s fees, which can range from $500 to $5,000, as stated in 28 U.S.C. § 1920. That distinction matters, as it limits the grounds for eviction and provides tenants with greater protection against unfair eviction practices.
- U.S. Department of Housing and Urban Development. tenant rights and fair housing
- Consumer Financial Protection Bureau. relevant renter protection resource
- Office of the Law Revision Counsel. relevant federal housing statute
