landlords like stacy johnson cosby need the money, too. >> are you not getting the money? find where to apply, how to apply, because the process is cumbersome. once it is applied, four to six week turnaround to find out if a case worker has been assigned. >> the cdc moratorium is designed to allow more time for that distribution and the biden administration is pushing for states to simplify the application process. i want to bring in stacy johnson cosby, she's a landlord in kansas city, member of national housing provider coalition. also julian castro, former secretary for housing and urban development under president obama. it is obvious, easy to see howie convictions would hurt renters. can you explain how landlords not getting paid month after month, how it can hurt you, you db foreclosed on. you're not a big corporation. >> right. what people miss in the story is that we are just like tenants. most housing providers work full-time job and they were impacted by the moratorium as well. when you have a situation where i have your retirement set with real estate, that's us

arthel: so stacy johnson-cosby, she wants the moratorium lifted. with the national housing provider coalition. here's what she had to say about this. >> we didn't need the eviction eviction -- moratorium because we're business people. we want to keep our customers happy, and we we also want to collect the money. what happens is when they did that, there was a gap in time with the assistance coming, and so right now we see the couple burrsome process -- couple burrsome process playing out, and the money is simply not making it fast enough to those that need it. arthel: charles, what about direct deposits to the landlords? it's efficient, it decreases the chance of misuse of funds. >> yeah, and direct assistance would be better off than a flat-out moratorium, what we're seeing out of the federal government. here in texas what we saw was a kind of eviction diversion program where landlords and renters were voluntarily able to enter a program, utility and rental assistance provided and in exchange landlords would forgo beginning the eviction process on

here with us now is stacy johnson-cosby, founding member of the national housing provider coalition.ll business owners, and we are people just like our tenants. and it's interesting that congress and the president is focused on tennants only, but what about us? we are providing a lot of the affordable housing that's needed in our communities, and we are just tossed to the side. caved david yeah. now -- david: yeah. now, even "the washington post" which has been very positive about the biden administration admitted in an editorial yesterday, they said the biden move is, quote, almost certainly illegal. so if it's, if even "the washington post" says it's illegal, do you think you'll win in the courts? >> well, we absolutely should win. and if not, the devastation that two more months causing is great. it is great for the renter because now they're two more months in debt when it's over, and they need to realize and some of them don't that the rent will be due at the end of it, and if they can't pay the monthly rent, how in the world will they be able to pay the large amount at the end?