CFED Scorecard

CFED Assets & Opportunity Scorecard

Tenant Protections from Foreclosure Reports & Graphics Policy Brief

Overview

States with Tenant Foreclosure Protections Stronger than Federal Law

Although media coverage of the foreclosure crisis has focused mainly on homeowners, an estimated 40% of foreclosures involve rental properties. Foreclosure can be disruptive to renters, who may struggle to find alternative housing, and can cause strain on their work and family lives. Many renters face significant relocation costs, as well as a loss of the security deposit and a rent payment. At worst, foreclosure can leave renters homeless.

What States Can Do

Tenants have faced a range of improper and egregious landlord abuses, including failing to provide notice of foreclosure, failing to inform tenants about utilities shutoff, and failing to maintain properties during the foreclosure process. The federal Protecting Tenants at Foreclosure Act (PTFA) of 2009 provides some basic protections for renters, such as honoring tenants’ term leases and providing 90-day notice of eviction. However, states can do more to ensure fair treatment of renters during the foreclosure process, including providing eviction protection and pre-foreclosure sale notices for tenants.

Strength of State Policies: Tenant Protections from Foreclosure

Does the state provide protections for tenants beyond federal law? 1
StateTenant foreclosure
protections?
Additional protections offered
Alabama    — 
Alaska    Pre-Foreclosure Sale Notice to Tenants 
Arizona    Disclosure of Foreclosure to Prospective Tenants 
Arkansas    — 
California    Pre-Foreclosure Sale Notice to Tenants; Notice and Lease Protections
for Tenants after Foreclosure; Protecting Tenants from Post-Foreclosure
Nonpayment Evictions; Disclosure of Foreclosure to Prospective Tenants;
Utility Shutoff Protections; Record Sealing of Post-Foreclosure Evictions;
Cover Sheet Requirement for Post-Foreclosure Evictions 
Colorado    Pre-Foreclosure Sale Notice to Tenants 
Connecticut    Eviction Protection; Good Cause Eviction Protection for Elderly
or Disabled Tenants; Cash for Keys 
Delaware    — 
District of Columbia    Good Cause Eviction Protection 
Florida    — 
Georgia    — 
Hawaii    — 
Idaho    Pre-Foreclosure Sale Notice to Tenants 
Illinois    Notice requirements; Tenant Protections during the Foreclosure
Process; Record Sealing of Post-foreclosure Evictions 
Indiana    — 
Iowa    — 
Kansas    — 
Kentucky    — 
Louisiana    — 
Maine    Pre-Foreclosure Sale Notice to Tenants; Eviction Protection; Utility
Shutoff Protections 
Maryland    Tenants' Rights and Required Notices; PTFA Compliance Check 
Massachusetts    Just Cause for Eviction after Foreclosure; Protection for
Subsidized Tenants 
Michigan    — 
Minnesota    Eviction protections; Pre-Foreclosure Notice to Tenants;
Disclosure of Foreclosure to Prospective Tenants; Utility Shutoff
Protections; Security Deposit; Record Sealing of Post-Foreclosure
Evictions 
Mississippi    — 
Missouri    — 
Montana    Pre-Foreclosure Sale Notice to Tenants 
Nebraska    — 
Nevada    Pre-Foreclosure Sale Notice to Tenants; Disclosure of Foreclosure
to Prospective Tenants 
New Hampshire    Good Cause Eviction Protection 
New Jersey    Pre-Foreclosure Notice to Tenants; Good Cause Eviction Protection;
Post-foreclosure Notice; Habitability 
New Mexico    — 
New York    Foreclosure Notice to Tenants; Eviction Protections;
Habitability 
North Carolina    Pre-Foreclosure Sale Notice to Tenants 
North Dakota    — 
Ohio    — 
Oklahoma    — 
Oregon    Eviction Protections; Notices to Tenants; Security Deposit;
Disclosure of Foreclosure to Prospective Tenants 
Pennsylvania    — 
Rhode Island    — 
South Carolina    — 
South Dakota    — 
Tennessee    — 
Texas    — 
Utah    Pre-Foreclosure Sale Notice to Tenants 
Vermont    Foreclosure Notice to Tenants; Disclosure of
Foreclosure to Prospective Tenants 
Virginia    Foreclosure Notice to Tenants; Security Deposit 
Washington    Pre-Foreclosure Sale Notice to Tenants 
West Virginia    — 
Wisconsin    — 
Wyoming    — 

Notes on the Data

1. "State and Local Tenant Protections: Additional State and Local Protections for Tenants in Foreclosure Situations." San Francisco, CA: National Housing Law Project, 2012. Accessed July 29, 2013.

What States Have Done

Twenty-two states and the District of Columbia have implemented tenant protections that are stronger than those required by the 2009 federal Protecting Tenants at Foreclosure Act.

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