Stop Foreclosures Due to Congressional Dysfunction Act of 2014
Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.
Stop Foreclosures Due to Congressional Dysfunction Act of 2014 - Requires the Director of the Federal Housing Finance Agency (FHFA) to prohibit mortgagees of certain eligible mortgages from initiating a foreclosure during a specified six-month moratorium with respect to any of those mortgages owned, held, securitized, or guaranteed by the Federal National Mortgage Association (Fannie Mae) or the Federal Home Loan Mortgage Corporation (Freddie Mac). Tolls the term of such mortgages during the moratorium, and requires deferral of any principal and interest payments due.
Qualifies for this mortatorium only Fannie Mae or Freddie Mac mortgages on a 1- to 4-family residence that is the principal residence of a mortgagor who: (1) was current on principal, interest, tax, and insurance payments at the start of the moratorium; (2) has received unemployment compensation during a certain period but exhausted all rights to it; and (3) as of the beginning of the moratorium has a ratio of debt to income on the mortgage greater than 40%.
Referred to the House Committee on Financial Services.
- Introduced in House Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). H.R. 4255: Stop Foreclosures Due to Congressional Dysfunction Act of 2014. 113th Congress. Open America. https://openamerica.io/bill/113-HR-4255/
"H.R. 4255: Stop Foreclosures Due to Congressional Dysfunction Act of 2014." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-HR-4255/.
H.R. 4255, 113th Cong. (2026), https://openamerica.io/bill/113-HR-4255/.
[H.R. 4255: Stop Foreclosures Due to Congressional Dysfunction Act of 2014](https://openamerica.io/bill/113-HR-4255/)