HI HB2671

Establishes an eviction moratorium during state or local emergencies that prohibits courts from entering judgments for possession, issuing writs of possession, accepting eviction complaints, or denying stays for residential dwelling units until 96 hours after the emergency declaration or a date specified by the governor/mayor.

Creates a foreclosure moratorium preventing creditors and mortgagees from publishing notices of sale, enforcing powers of sale, exercising rights of entry, or initiating summary possession actions on residential properties during declared emergencies, with the same 96-hour minimum delay as the eviction moratorium.

Allows mortgagors of residential property to request a three-year mortgage deferment with an extended repayment period matching the deferment length, while preserving original loan terms except for default and delinquency during deferment.

Permits residential tenants to request up to 180 days of rent suspension without proof of economic hardship, with suspended rent waived and payment periods extended; similarly allows small business commercial tenants (fewer than 100 employees) to request up to 180 days of rent suspension with automatic lease renewal if leases expire during the emergency.

Grants borrowers 180-day deferment on commercial, student, and consumer loans without accruing interest or fees; prohibits consumer reporting agencies from reporting emergency-related adverse information for 90 days after the emergency ends; and prevents planned community and condominium associations from requiring additional insurance beyond governing documents during emergencies.