This bill, known as the Federal Disaster Housing Stability Act of 2025, aims to provide housing stability for residents impacted by major disasters or emergencies. It establishes a 120-day eviction moratorium for tenants in a declared disaster area, commencing upon the disaster declaration. During this period, landlords are prohibited from initiating eviction proceedings for nonpayment of rent, charging related fees, increasing rent, or preventing tenants from returning to their dwellings. The legislation also implements a six-month foreclosure moratorium for properties within a disaster area, excluding vacant or abandoned properties. This moratorium prevents mortgage servicers from initiating any judicial or non-judicial foreclosure processes, scheduling sales, or executing foreclosure-related evictions. A "disaster" is broadly defined to include declarations by the President, State Governors, or Tribal Chief Executives, ensuring wide applicability. The act applies to any disaster declared on or after its enactment date, providing critical protections for vulnerable populations during recovery efforts.