CFED Scorecard

Financial Assets & Income

Outcome Measures

Income Poverty Rate

Asset Poverty Rate

Asset Poverty by Race

Asset Poverty by Gender

Asset Poverty by Family Structure

Liquid Asset Poverty Rate

Liquid Asset Poverty by Race

Liquid Asset Poverty by Gender

Liquid Asset Poverty by Family Structure

Extreme Asset Poverty Rate

Net Worth

Net Worth by Race

Net Worth by Income

Net Worth by Gender

Net Worth by Family Structure

Unbanked Households

Underbanked Households

Households with Savings Accounts

Consumers with Subprime Credit

Borrowers 90+ Days Overdue

Average Credit Card Debt

Bankruptcy Rate

Policy Priorities

Tax Credits for Working Families

State IDA Program Support

Lifting Asset Limits in Public Benefit Programs

Protections from Predatory Short-Term Loans

Additional Policies

Income Tax Threshold

Tax Burden by Income

Prize-Linked Savings

Paperless Payday

Trend Indicators

Change in Net Worth

Change in Asset Poverty

Change in Liquid Asset Poverty

Change in Consumers with Subprime Credit

Change in Average Credit Card Debt

Businesses & Jobs

Housing & Homeownership

Health Care

Education

CFED Assets & Opportunity Scorecard

Tenant Protections from Foreclosure

Reports & Graphics

Definition

States that provide protections for renters residing in properties facing foreclosure that exceed those in the federal Protecting Tenants at Foreclosure Act (PTFA), 2012.

Description

Though 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.

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 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.

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Tenant Protections from Foreclosure

StateDo states provide protections for tenants beyond PTFA?
Alabama  No 
Alaska  Yes (pre-foreclosure sale notice to tenants) 
Arizona  Yes (disclosure of foreclosure to prospective tenants) 
Arkansas  No 
California  Yes (pre-foreclosure sale notice to tenants; utility shutoff protections;
record sealing of post-foreclosure evictions; cover sheet requirement
for post-foreclosure evictions) 
Colorado  Yes (pre-foreclosure sale notice to tenants) 
Connecticut  Yes (eviction protection; good cause eviction protection for elderly
or disabled tenants; cash for keys) 
Delaware  No 
District of Columbia  Yes (good cause eviction protection) 
Florida  No 
Georgia  No 
Hawaii  No 
Idaho  Yes (pre-foreclosure sale notice to tenants) 
Illinois  Yes (notice requirements; tenant protections during the
foreclosure process; record sealing of post-foreclosure evictions) 
Indiana  No 
Iowa  No 
Kansas  No 
Kentucky  No 
Louisiana  No 
Maine  Yes (pre-foreclosure sale notice to tenants; eviction protection;
utility shutoff protections) 
Maryland  Yes (tenants' rights and required notices; PTFA compliance check) 
Massachusetts  Yes (just cause for eviction after foreclosure; protection for
subsidized tenants) 
Michigan  No 
Minnesota  Yes (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  No 
Missouri  No 
Montana  Yes (pre-foreclosure sale notice to tenants) 
Nebraska  No 
Nevada  Yes (pre-foreclosure sale notice to tenants; disclosure of foreclosure
to prospective tenants) 
New Hampshire  Yes (good cause eviction protection) 
New Jersey  Yes (pre-foreclosure notice to tenants; good cause eviction
protection; post-foreclosure notice; habitability) 
New Mexico  No 
New York  Yes (foreclosure notice to tenants; eviction protections;
habitability) 
North Carolina  Yes (pre-foreclosure sale notice to tenants) 
North Dakota  No 
Ohio  No 
Oklahoma  No 
Oregon  Yes (eviction protections; notices to tenants; security deposit;
disclosure of foreclosure to prospective tenants) 
Pennsylvania  No 
Rhode Island  No 
South Carolina  No 
South Dakota  No 
Tennessee  No 
Texas  No 
Utah  Yes (pre-foreclosure sale notice to tenants) 
Vermont  Yes (foreclosure notice to tenants; disclosure of foreclosure
to prospective tenants) 
Virginia  Yes (foreclosure notice to tenants; disclosure of foreclosure
to prospective tenants; security deposit) 
Washington  Yes (pre-foreclosure sale notice to tenants) 
West Virginia  No 
Wisconsin  No 
Wyoming  No 

Source

“State and Local Tenant Protections: Additional State and Local Protections for Tenants in Foreclosure Situations.” San Francisco, CA: National Housing Law Project, 2012. Data accessed in December 2012 at http://nhlp.org/node/1341.

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