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With the expiration of the CARES Act, millions are without housing protections and without the extra $600 in unemployment benefits. Local eviction moratoriums have also expired in more than 30 states.

Experts are warning that the U.S. is facing a housing crisis at the levels of the 2008 recession. Up to 40 million Americans may face evictions in the next several months, and the crisis is forecast to hit hardest in communities of color, especially for women.

Without a solution, America is staring down a potential catastrophe where millions of renters are unable to pay rent and landlords can’t pay mortgages, which could lead to an increase in homelessness — all happening ahead of what Centers for Disease Control and Prevention Director Robert Redfield predicts would be “one of the most difficult” winters in American public health.

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