People with some Fannie Mae or Freddie Mac mortgages could pause payments after a President-declared disaster damages their property. The pause would last 180 days and could be extended once for up to another 180 days.
Modern Action shows what the legislation would change, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Mortgage Relief for Disaster Survivors Act is a House bill in committee. The latest recorded action: Referred to the House Committee on Financial Services.
Latest action on H.R. 2928: Referred to the House Committee on Financial Services.
Who this affects: This bill mainly affects people and property owners with Fannie Mae or Freddie Mac-backed mortgages in President-declared disaster areas. It could also affect loan servicers, because they would have to review requests and grant payment pauses when borrowers meet the rules. Renters in affected apartment buildings could feel indirect effects if the payment pause helps owners keep the property stable after a disaster.
Why this matters: Disaster survivors can face repair bills and mortgage bills at the same time. This bill would give many of them time to recover before making payments again. It could help reduce short-term financial stress and lower the risk of quick foreclosure for covered borrowers. The bill does not erase the debt, and it does not explain exactly how missed payments must be repaid later.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: Mortgage Relief for Disaster Survivors Act
People with some Fannie Mae or Freddie Mac mortgages could pause payments after a President-declared disaster damages their property. The pause would last 180 days and could be extended once for up to another 180 days.
Use this page to support, oppose, or ask Congress to amend HR2928. Modern Action shows what the bill would change, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the House Committee on Financial Services. (4/17/2025)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Mortgage Relief for Disaster Survivors Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR2928, your stance, and the reasons you choose, then lets you edit and send when ready.
