HomeMy WebLinkAbout2020-09-22 - Item 7 - PresentationEviction &
Foreclosure
Protections
Sept 25, 2020
Timeline
of Actions
Date Action
March 13 Declared State of Emergency
March 16 California Governor’s California Executive Order N-28-20
•Allowing local jurisdictions ability to protect residential and commercial tenants and homeowners
related to COVID-19; Extended through Sept 30, 2020 by EO N-71-20
•Stay at home to slow transmission rate
March 17 Chula Vista adopted Ordinance 3483A (“Eviction Moratorium”)
•Consistent with Governor’s Executive Orders; Extended through Sept 30, 2020
March 27 California Governor’s Executive Order N-37-20
•Banning the enforcement of eviction orders related COVID-19; Expired May 31, 2020
March 27 California Judicial Council’s Emergency Rules 1 & 2
•Suspends eviction of tenants for any cause, unless to protect public health and safety
•Stays all actions for judicial foreclosures
•Sunset Sept 1, 2020, except where a local ordinance provides protection
August 31 AB 3088 Tenant, Homeowners, and Small Landlord Relief and Stabilization Act of 2020 Act
•Covers residential tenant evictions from March 1, 2020 through January 31, 2021.
•From August 31, 2020 through April 1, 2021 provides a process to allow eligible homeowners and
small landlords post-mitigation loss options
Key Components of Tenant Protection
Ordinance 3489A (“Eviction
Moratorium”)
•Covered period March to Sept 30,
2020, unless extended
•Residential/Commercial Tenants and
Homeowners
•Notice of COVID-19 financial impact
and support documentation
•Required each month w/in 7 days of rent
due
•Suggested payment schedule
•Repay within 6 months of end of
Moratorium (March 31, 2021)
AB 3088 (“State Tenant
Protection”)
•Covered period March to Jan 31, 2021
•Residential Tenants
•Declaration of COVID-19 financial
impact and NO support
documentation
•Required each month w/in 15 days of
rent due
•Payment of 25% of rent due from Sept
2020 to Jan 2021
•Repayment of balance due begins
March 1, 2021
•Considered “consumer debt”
Inter-relationship of Local,
State and Federal Protections
•AB 3088 Goal: Statewide consistency and a
pause on local measures.
•Local jurisdictions are restricted from
enacting, extending, or expanding local
measures from August 19, 2020 and
January 31, 2021.
•CDC Order for the “Temporary Halt in
Residential Evictions to Prevent Further Spread
of COVID-19”
•Effective September 4, 2020 through
December 31, 2020
•Does NOT apply in any State, local,
territorial, or tribal area with a
moratorium on residential evictions that
offers the same or greater level of public-
health protection
•Economically Vulnerable
Residents
•Residential Tenants are
Protected BUT Homeowners
are NOT
•Homeowner Protection
•CARES ACT: Forbearance for
federally backed mortgages (e.g.
Fannie Mae, Freddie Mac, FHA,
VA, and USDA)
•Options for payment at time of
sale or refinancing
•Small Businesses, the Core of
our Economy
•95% of businesses w/10 or less
employees
•Impacted by State mandated
closures and restrictions on
operations
•Limitations on occupancy
•Exhaustion of assistance and cash
reserves
Recommendations
•No further protections
for residential tenants
or homeowners be
enacted by the City
•Staff to monitor
•Provide direction on any
actions that may be
necessary for the
protection of
commercial tenants
For more Information and to
Contact Us:
Need Help Right Away? Start with 2-1-1.
If you are homeless or concerned that you will be homeless soon, please
Call:211
Email:211help@211sandiego.org
Website:211 San Diego.
2-1-1 San Diego is a countywide referral service who can connect you with community agencies providing health and
human service programs.Help is available 24 hours a day.More than 150 languages to assist you.
CSA San Diego County
(619) 444-5700 or (800) 954-0441
info@c4sa.org
www.c4sa.org
Legal Aid Society
(877) 534-2524
www.lassd.org
City of Chula Vista Housing
Development Services Department
(619) 691-5047
Leilani Hines, Housing Manager
lhines@chulavistaca.gov