Tenant Payment Plan Phasing Emergency Act of 2025

This bill requires landlords and property owners (referred to as "providers") to maintain any rent payment plans agreed upon with eligible tenants between March 11, 2020, and July 25, 2022, due to pandemic-related financial hardship. It prohibits providers from charging fees, interest, or penalties for these plans, reporting rent as delinquent to credit bureaus, or evicting tenants who comply with the plan during the covered period. The law directly affects residential tenants and small commercial tenants (occupying less than 6,500 sq. ft.) who entered payment agreements during the pandemic, ensuring they retain lease rights and access to online/phone application processes. Landlords must approve applications demonstrating pandemic hardship and cannot deny plans based on pre-pandemic payment issues.