{"format":1,"id":"119-hr-6644","congress":119,"number":"H.R. 6644","kind":"bill","group":"bills","title":"21st Century ROAD to Housing Act","title_source":"Short Title(s) from Engrossed Amendment House bill text","official_title":"A bill to increase the supply of housing in America, and for other purposes.","titles":[{"type":"Official Title as Introduced","title":"A bill to increase the supply of housing in America, and for other purposes."},{"type":"Short Titles from ENR (Enrolled) bill text","title":"21st Century ROAD to Housing Act"},{"type":"Short Title(s) from Engrossed Amendment House bill text","title":"21st Century ROAD to Housing Act"},{"type":"Short Title(s) from Engrossed Amendment Senate bill text","title":"21st Century ROAD to Housing Act"},{"type":"Display Title","title":"21st Century ROAD to Housing Act"},{"type":"Short Title(s) from PCS (Placed on Senate Calendar) bill text","title":"Housing for the 21st Century Act"},{"type":"Official Title from EH (Engrossed in House) bill text","title":"To increase the supply of housing in America, and for other purposes."},{"type":"Short Title(s) as Passed House","title":"Housing for the 21st Century Act"},{"type":"Official Titles as Amended by House","title":"To increase the supply of housing in America, and for other purposes"},{"type":"Short Title(s) as Reported to House","title":"Housing for the 21st Century Act"},{"type":"Short Title(s) as Introduced","title":"Housing for the 21st Century Act"}],"outcome":"law_without_signature","law_number":"Public Law 119-101","introduced":"2025-12-11","chambers":{"house":{"status":"roll_call","date":"2026-06-23","vote":{"id":"119-2026-h224","question":"On Motion to Suspend the Rules and Concur in Senate Adt to House Adt to Senate Adt","title":"Housing for the 21st Century Act","result":"Passed","yea":358,"nay":32,"present":0,"not_voting":41,"source":"https://clerk.house.gov/evs/2026/roll224.xml"}},"senate":{"status":"roll_call","date":"2026-06-22","vote":{"id":"119-2026-s182","question":"On the Motion","title":"Motion to Concur in the House Amendment to the Senate Amendment to H.R. 6644 with an Amendment (SA 5823)","result":"Motion Agreed to","yea":85,"nay":5,"present":0,"not_voting":10,"source":"https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00182.xml"}}},"president":{"status":"without_signature","date":"2026-07-11"},"vice_president_tie_breaker":null,"latest_action":{"text":"Became Public Law No: 119-101.","date":"2026-07-11"},"nominees":null,"amendments":[{"number":"S.Amdt. 4308","sponsor":"Sen. Scott, Tim [R-SC]","purpose":"In the nature of a substitute.","result":"Amendment Agreed to","date":"2026-03-11","yea":84,"nay":10,"present":1,"not_voting":5,"source":"https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00051.xml"}],"other_votes":[{"chamber":"house","date":"2026-02-09","question":"On Motion to Suspend the Rules and Pass, as Amended","title":"Housing for the 21st Century Act","result":"Passed","yea":390,"nay":9,"present":0,"not_voting":33,"kind":"final_candidate","source":"https://clerk.house.gov/evs/2026/roll057.xml"},{"chamber":"senate","date":"2026-03-02","question":"On Cloture on the Motion to Proceed","title":"Motion to Invoke Cloture: Motion to Proceed to H.R. 6644","result":"Cloture on the Motion to Proceed Agreed to","yea":84,"nay":6,"present":1,"not_voting":9,"kind":"procedural","source":"https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00044.xml"},{"chamber":"senate","date":"2026-03-04","question":"On the Motion to Proceed","title":"Motion to Proceed to H.R. 6644","result":"Motion to Proceed Agreed to","yea":90,"nay":8,"present":1,"not_voting":1,"kind":"procedural","source":"https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00045.xml"},{"chamber":"senate","date":"2026-03-10","question":"On the Cloture Motion","title":"Motion to Invoke Cloture Re: Amdt. No. 4308","result":"Cloture Motion Agreed to","yea":89,"nay":9,"present":1,"not_voting":1,"kind":"procedural","source":"https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00050.xml"},{"chamber":"senate","date":"2026-03-11","question":"On the Amendment","title":"Scott (SC) Amdt. No. 4308, as amended","result":"Amendment Agreed to","yea":84,"nay":10,"present":1,"not_voting":5,"kind":"amendment","source":"https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00051.xml"},{"chamber":"senate","date":"2026-03-11","question":"On the Cloture Motion","title":"Motion to Invoke Cloture: H.R. 6644 as amended","result":"Cloture Motion Agreed to","yea":82,"nay":11,"present":1,"not_voting":6,"kind":"procedural","source":"https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00052.xml"},{"chamber":"senate","date":"2026-03-12","question":"On Passage of the Bill","title":"H.R. 6644, as amended","result":"Bill Passed","yea":89,"nay":10,"present":0,"not_voting":1,"kind":"final_candidate","source":"https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00053.xml"},{"chamber":"house","date":"2026-05-20","question":"On Motion to Suspend the Rules and Agree","title":"Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment","result":"Passed","yea":396,"nay":13,"present":0,"not_voting":21,"kind":"final_candidate","source":"https://clerk.house.gov/evs/2026/roll176.xml"},{"chamber":"senate","date":"2026-06-16","question":"On the Motion to Proceed","title":"Motion to Proceed to House Message to Accompany H.R. 6644","result":"Motion to Proceed Agreed to","yea":87,"nay":8,"present":0,"not_voting":5,"kind":"procedural","source":"https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00175.xml"},{"chamber":"senate","date":"2026-06-18","question":"On the Cloture Motion","title":"Motion to Invoke Cloture: Motion to Concur in the House Amendment to the Senate Amendment to H.R. 6644 with an Amendment (SA 5823)","result":"Cloture Motion Agreed to","yea":84,"nay":8,"present":0,"not_voting":8,"kind":"procedural","source":"https://www.senate.gov/legislative/LIS/roll_call_votes/vote1192/vote_119_2_00180.xml"}],"crs_summary":{"date":"2026-07-11","stage":"Public Law","blocks":[{"k":"h","t":"21st Century ROAD to Housing Act"},{"k":"p","t":"This act establishes and modifies various federal housing programs."},{"k":"p","t":"TITLE I--OPPORTUNITIES FOR HOUSING"},{"k":"p","t":"(Sec. 101) This section requires the Department of Housing and Urban Development (HUD) to review the performance of organizations that receive grants to provide housing counseling services. Such review may take into account the performance of individual counselors."},{"k":"p","t":"HUD may terminate assistance for such organizations that are not in compliance with the program's requirements."},{"k":"p","t":"(Sec. 102) This section requires HUD to establish best practices and provide technical assistance to state and local entities to support permitting for point-access block buildings (i.e., apartments with a single staircase to access the dwelling units and that are no more than six stories high)."},{"k":"p","t":"It also allows HUD to award competitive grants to state and local entities to assess the feasibility, safety, and cost-effectiveness of such buildings. This authority expires after seven years."},{"k":"p","t":"(Sec. 103) This section exempts from environmental review specified rural housing projects located on an infill site (i.e., a site served by existing infrastructure, including water lines, sewer lines, and roads)."},{"k":"p","t":"(Sec. 104) This section requires Community Development Block Grant (CDBG) grantees to maintain a publicly accessible, searchable database identifying undeveloped land owned by the grantee."},{"k":"p","t":"(Sec. 105) This section authorizes the Federal Housing Administration (FHA) to establish a four-year pilot program to increase the number of mortgages originated with a principal balance of $100,000 or less."},{"k":"p","t":"(Sec. 106) This section requires HUD to establish a three-year pilot program to award grants to public housing agencies (PHAs) and owners of federally assisted rental housing to install temperature sensors in residential dwelling units."},{"k":"p","t":"(Sec. 107) This section requires HUD to publish guidelines and best practices for state and local zoning frameworks that support production of adequate housing to meet the needs of communities and provide housing opportunities for individuals of all income levels."},{"k":"p","t":"TITLE II--BUILDING MORE IN AMERICA"},{"k":"p","t":"(Sec. 201) This section allows HUD to give additional weight to competitive housing grant applications that include proposals for projects located in, or substantially benefiting, communities designated as Qualified Opportunity Zones (i.e., designated low-income areas for which economic investments may receive certain tax benefits)."},{"k":"p","t":"(Sec. 202) This section authorizes a pilot program through which HUD provides grants to state and local governments to support the ability of certain landlords and low- to moderate-income homeowners to make necessary modifications, repairs, or updates to their property."},{"k":"p","t":"State and local governments must use the funds they receive under the program to award grants to homeowners and loans to landlords to make changes that address issues such as accessibility, habitability, and energy efficiency."},{"k":"p","t":"The program ends on October 1, 2031."},{"k":"p","t":"(Sec. 203) This section increases the cap on investments that state member banks of the Federal Reserve System and national banks supervised by the Office of the Comptroller of the Currency may make to promote the public welfare, which include projects that provide housing, services, or jobs to low- and moderate-income communities or families."},{"k":"p","t":"The section increases the aggregate amount of allowable investments by such banks from 15% to 20% of the bank's capital stock and unimpaired surplus."},{"k":"p","t":"(Sec. 204) This section authorizes the new construction of affordable housing as an allowable use of funds under the CDBG program."},{"k":"p","t":"(Sec. 205) This section allows HUD to designate housing assistance as funds for a special project for the purpose of environmental review under the National Environmental Policy Act of 1969 (NEPA). Such designation allows states, local governments, or tribal entities to assume responsibility for the project's environmental review obligations."},{"k":"p","t":"(Sec. 206) This section requires HUD to reclassify certain housing activities as exempt or excluded from specified environmental review requirements under NEPA."},{"k":"p","t":"These activities include tenant-based rental assistance, supportive services, rehabilitation of public facilities, and infill projects to develop residential housing units."},{"k":"p","t":"(Sec. 207) This section establishes a five-year competitive grant program to assist local jurisdictions or regional planning agencies in developing housing plans to increase affordable housing and reduce barriers to housing development."},{"k":"p","t":"(Sec. 208) This section establishes a seven-year competitive grant program to assist metropolitan cities, urban counties, local governments, or tribes that have demonstrated improved housing supply growth."},{"k":"p","t":"Grants may be used to expand the housing supply available to households at specified income levels."},{"k":"p","t":"(Sec. 209) This section authorizes competitive grants for local governments, municipal membership organizations, and tribes to select prereviewed designs of mixed-income housing for use in the grantee’s jurisdiction."},{"k":"p","t":"Prereviewed designs, also known as pattern books, are construction plans that are assessed and approved by localities for compliance with local building and permitting standards to expedite approval for housing construction."},{"k":"p","t":"Grants may not be used for construction, alteration, or repair work."},{"k":"p","t":"(Sec. 210) This section authorizes a pilot program from FY2027-FY2031 under the HOME Investment Partnerships Program to award competitive grants to states and localities to convert vacant and abandoned buildings into housing that serves low- and moderate-income households."},{"k":"p","t":"(Sec. 211) This section increases the statutory maximum loan limits for mortgage insurance programs administered by the FHA for multifamily homes and requires the use of a more specific inflation index for such loans."},{"k":"p","t":"(Sec. 212) This section makes the Rental Assistance Demonstration (RAD) program permanent and increases from 455,000 to 555,000 the number of housing units that may be converted to Housing Choice Voucher (Section 8) properties under the program."},{"k":"p","t":"(Sec. 213) This section adjusts the allocation of CDBG funds to certain jurisdictions based on the annual percentage change in the number of available housing units in the jurisdiction."},{"k":"p","t":"For example, jurisdictions with annual growth above 4% shall receive additional funding, while jurisdictions with a growth rate below the median housing growth rate compared to other jurisdictions shall receive 10% less funding."},{"k":"p","t":"TITLE III--MANUFACTURED HOUSING FOR AMERICA"},{"k":"p","t":"(Sec. 301) This section eliminates the requirement that manufactured homes must be constructed with a permanent chassis."},{"k":"p","t":"Additionally, HUD must issue revised standards for such homes, including energy efficiency standards."},{"k":"p","t":"(Sec. 302) This section requires the FHA to review its construction financing programs to identify barriers to the use of modular home methods."},{"k":"p","t":"Modular homes are constructed in a factory in one or more modules, transported to the home building site, installed on a foundation, and completed."},{"k":"p","t":"(Sec. 303) This section increases the maximum FHA-insured loan amount for (1) improvements to single-family structures, and (2) purchasing manufactured homes. The section also authorizes the use of property improvement loans for construction of accessory dwelling units."},{"k":"p","t":"HUD must study and report on the cost effectiveness of constructing manufactured and modular homes."},{"k":"p","t":"(Sec. 304) This section reauthorizes the Preservation and Reinvestment Initiative for Community Enhancement (PRICE) program for seven years. The program provides competitive grants to develop manufactured-housing communities."},{"k":"p","t":"TITLE IV--ACCESSING THE AMERICAN DREAM"},{"k":"p","t":"(Sec. 401) This section requires the Consumer Financial Protection Bureau (CFPB) to report on loan originator compensation practices throughout the residential mortgage market, including the effect of such practices on the availability of small-dollar mortgages (mortgages with an original principal of not more than $100,000)."},{"k":"p","t":"(Sec. 402) This section requires the CFPB, in consultation with the Federal Housing Finance Agency (FHFA), to study the impact of current regulations that limit the total points and fees that lenders may charge on small-dollar mortgages."},{"k":"p","t":"(Sec. 403) This section revises the eligibility criteria for real estate appraisers who are authorized to perform appraisals for federally related mortgage loans, including by allowing federal employees who are state certified or licensed as an appraiser to perform federally related appraisals in states and territories other than the state or territory in which they are certified or licensed."},{"k":"p","t":"The section also expands the national registry of state certified and licensed appraisers to include credentialed trainees. It also allows state certified appraisers to use the assistance of a credentialed trainee or an unlicensed trainee."},{"k":"p","t":"The section also requires the Appraisal Subcommittee of the Federal Financial Institutions Examination Council to make grants to support appraisal workforce development. The appraisal subcommittee generally oversees the real estate appraisal regulatory framework for federally related transactions."},{"k":"p","t":"(Sec. 404) This section authorizes a 10-year pilot program to expand the Family Self-Sufficiency (FSS) escrow account program to provide up to 5,000 families receiving public housing assistance with interest-bearing escrow accounts. The FSS program is administered by PHAs or multifamily property owners that receive assistance to provide low-income housing."},{"k":"p","t":"Under the pilot program, FSS administrators must fund such additional escrow accounts based on any increase in the amount of rent paid by a participating family due to increases in the family's earned income while receiving housing assistance. A family eventually may withdraw funds from the escrow account if certain conditions are met (e.g., the family no longer receives housing assistance or Temporary Assistance for Needy Families)."},{"k":"p","t":"(Sec. 405) This section allows housing units financed through the Low-Income Housing Tax Credit, HOME Investment Partnerships Program, and Rural Housing Service to satisfy the inspection requirements of the Section 8 program if they have passed an inspection within the past year."},{"k":"p","t":"The section also allows new Section 8 landlords to request an inspection before entering a lease agreement with a tenant under the program, subject to specified conditions."},{"k":"p","t":"TITLE V--PROGRAM REFORM"},{"k":"p","t":"(Sec. 501) This section modifies and reauthorizes the HOME Investment Partnerships program. The program provides grants to state and local governments to create affordable housing for low-income households."},{"k":"p","t":"The section expands eligibility for the program to households with an income of not more than 100% of the median family income for the area. The current income threshold is 80% of the median income for the area."},{"k":"p","t":"Further, participating jurisdictions may, subject to certain conditions, use funds under the program to improve infrastructure, including the installation or repair of water and sewer lines, sidewalks, roads, and utility connections."},{"k":"p","t":"The section also exempts certain projects, such as infill development or acquisition, from specified environmental review requirements."},{"k":"p","t":"(Sec. 502) This section modifies programs administered by the Rural Housing Service (RHS)."},{"k":"p","t":"This includes requiring the RHS to maintain any rental assistance payments that are attached to a multifamily property during the foreclosure process or while managing and disposing of a multifamily property that is owned by HUD."},{"k":"p","t":"The section also authorizes the RHS to renew a rental assistance contract with the owner of a multifamily property for a term of 20 years after the owner's mortgage term ends."},{"k":"p","t":"(Sec. 503) This section allows states and localities receiving assistance under the HUD Emergency Solutions Grant program to request a waiver to exceed the 60% spending cap on emergency shelter activities for FY2027-FY2030."},{"k":"p","t":"(Sec. 504) This section authorizes for three years HUD's Community Development Block Grant Disaster Recovery program. The program provides assistance to state and local grantees to rebuild disaster-impacted areas and support long-term recovery efforts."},{"k":"p","t":"The section also requires grantees under the program to prioritize assistance for individuals with extremely low-, low-, and moderate-incomes and other vulnerable populations."},{"k":"p","t":"Further, the section establishes the Office of Disaster Management and Resiliency to oversee and coordinate HUD's disaster preparedness and response responsibilities."},{"k":"p","t":"(Sec. 505) This section establishes a new cohort of 25 PHAs that are designated by HUD as high performing to participate in the Moving to Work demonstration program."},{"k":"p","t":"The Moving to Work demonstration program exempts PHAs from certain public housing and voucher rules and provides flexibility with respect to the use of federal funds."},{"k":"p","t":"TITLE VI--VETERANS AND HOUSING"},{"k":"p","t":"(Sec. 601) This section requires mortgage lenders to include on the Uniform Residential Loan Application (i.e., Fannie Mae Form 1003 or Freddie Mac Form 65) a notification that applicants with military service may qualify for a Department of Veterans Affairs (VA) Home Loan."},{"k":"p","t":"Not later than 18 months after the enactment of this act, the Government Accountability Office (GAO) must study and report on whether at least 80% of lenders using the loan application form have met this requirement."},{"k":"p","t":"(Sec. 602) This section provides statutory authority for excluding disability benefits from a veteran's income when determining eligibility for the HUD Veterans Affairs Supportive Housing (HUD-VASH) program."},{"k":"p","t":"(Sec. 603) This section requires lenders offering FHA loans to include additional notices to prospective borrowers. Specifically, the notices must provide a comparison of the loans available through the VA for which the borrower would qualify."},{"k":"p","t":"Such notices include the insurance premiums and other costs and fees that would be due over the life of such other mortgages products."},{"k":"p","t":"TITLE VII--OVERSIGHT AND ACCOUNTABILITY"},{"k":"p","t":"(Sec. 701) This section requires the Secretary of HUD to testify annually before Congress about HUD's operations, oversight activities, and program performance."},{"k":"p","t":"(Sec. 702) This section requires HUD to report monthly to Congress on the capital ratio of the Mutual Mortgage Insurance Fund (MMI Fund) and to notify Congress if that ratio falls below the 2% ratio required under current law. (The capital ratio is the economic value of the MMI Fund divided by the total dollar amount of mortgages insured under the fund. Lender claims on FHA-insured home mortgages are paid out of the MMI Fund, which is funded through premiums paid by borrowers.)"},{"k":"p","t":"(Sec. 703) This section requires the United States Interagency Council on Homelessness to provide annual updates about the council's National Strategic Plan to End Homelessness and, if requested, testify annually before Congress."},{"k":"p","t":"(Sec. 704) This section requires the Department of Agriculture (USDA), VA, the FHA, and the FHFA to implement requirements that creditors of federally backed mortgages must have a review and resolution procedure for a consumer-initiated reconsideration of value (or subsequent appraisal) in connection with a credit transaction secured by the consumer's principal dwelling."},{"k":"p","t":"Additionally, the GAO must study the feasibility of creating a publicly available appraisal database for specified agencies."},{"k":"p","t":"TITLE VIII--ACCOUNTABILITY, COORDINATION, STUDIES, AND REPORTING"},{"k":"p","t":"(Sec. 801) This section requires HUD, USDA, and the VA to enter into an interagency agreement to share relevant housing-related research and market data to facilitate evidence-based policymaking."},{"k":"p","t":"(Sec. 802) This section requires HUD and USDA to evaluate the (1) environmental review process for housing projects funded by the agencies and (2) feasibility of a joint physical inspection process for such projects."},{"k":"p","t":"(Sec. 803) This section requires HUD to study the impact of the work requirements implemented by PHAs participating in the Moving to Work demonstration."},{"k":"p","t":"(Sec. 804) This section requires the GAO to study various housing issues, including"},{"k":"li","t":"obstacles to affordable housing facing middle-income households,","d":1},{"k":"li","t":"barriers to supportive housing for older adults and individuals with disabilities,","d":1},{"k":"li","t":"the number of residential housing units (including public housing units) that are located less than one mile from a Superfund site (a site contaminated with hazardous substances), and","d":1},{"k":"li","t":"how to reduce the number of residential heirs properties (property inherited without a will).","d":1},{"k":"p","t":"(Sec. 805) This section expands HUD oversight over PHAs for which an administrative or judicial receiver or federal monitor has been appointed. The section requires each monitor or receiver to provide an annual assessment to Congress that includes a description of their management and oversight activities."},{"k":"p","t":"TITLE IX--STRENGTHENING COMMUNITY BANKS' ROLE IN HOUSING"},{"k":"p","t":"(Sec. 901) This section changes the treatment of certain types of deposits so they are no longer classified as brokered deposits. Brokered deposits are funds placed by a broker on behalf of a client in a depository institution to maximize interest rates and for depository insurance purposes. Currently, institutions that accept brokered deposits may be subject to additional oversight."},{"k":"p","t":"In particular, under the section, custodial deposits at insured depository institutions with less than $10 billion in total assets shall not be treated as brokered deposits if the deposits do not exceed 20% of the institution’s liabilities. The institution must be well-capitalized and have a specified minimum soundness rating, or be in possession of a waiver from the Federal Deposit Insurance Corporation."},{"k":"p","t":"The section also generally applies existing interest rate limits applicable to institutions that are not well-capitalized to similar institutions that accept custodial deposits."},{"k":"p","t":"(Sec. 902) This section increases the amount insured depository institutions may accept as reciprocal deposits. (Reciprocal deposits are used by institutions to increase the availability of deposit insurance by splitting large deposits using a reciprocal network of institutions.) The section creates a tiered system so that the allowable amount is based on the institution's total liabilities."},{"k":"p","t":"Additionally, the section changes certain qualifications insured depository institutions may be required to have to accept reciprocal deposits. Under current law, institutions may qualify by having a composite rating of outstanding or good, among other requirements. The section allows institutions with a 1, 2, or 3 rating under the CAMELS scale to qualify. (The Uniform Financial Institutions Rating System uses the characteristics of capital adequacy, asset quality, management, earnings, liquidity, and sensitivity to market risk (i.e., CAMELS ratings) to rate the health of financial institutions, with a 1 indicating the highest rating and least degree of supervisory concern and a 5 indicating the lowest rating and highest degree of supervisory concern.)"},{"k":"p","t":"(Sec. 903) This section raises certain asset thresholds so as to allow additional small banks to qualify for a longer examination cycle."},{"k":"p","t":"(Sec. 904) This section reduces the required frequency of meetings held by the board of directors of certain credit unions. Under the section, new credit unions and credit unions with a low soundness rating must meet monthly, as required under current law. All other credit unions must hold at least six meetings annually, with at least one meeting held during each fiscal quarter."},{"k":"p","t":"(Sec. 905) This section requires banking regulators to submit a report to Congress in the event of the failure of an insured depository institution that leads to a systemic risk determination by the Department of the Treasury."},{"k":"p","t":"Regulators must report supervisory information relating to the institution, any mismanagement by the executives and the board, any shortcomings by the regulator, and recommendations to improve the safety and soundness of similarly situated institutions. This report must be made no later than 90 days after such a determination and again 210 days afterwards."},{"k":"p","t":"The GAO must report on additional factors in its report regarding such a determination. Specifically, the GAO must report on any mismanagement by the executives and board of the institution, a review of the institution's compensation practices, supervisory or regulatory shortcomings, actions taken by regulators, and other relevant information. The section also requires this report to be made no later than 60 days after such a determination and again 180 days afterwards."},{"k":"p","t":"(Sec. 906) This section establishes the Financial Agent Mentor-Protégé Program within Treasury. The program provides participating minority and rural depository institutions and small financial institutions with mentorship from large financial institutions or from financial agents designated by Treasury. This mentorship prepares protégé institutions to improve service capacity or to perform as financial agents for the federal government."},{"k":"p","t":"(Sec. 907) This section requires federal financial regulators to review and streamline the application process for the formation of de novo, or new, depository institutions or credit unions."},{"k":"p","t":"Regulators must (1) review the application process; (2) to the extent practicable, collect necessary information from other agencies in order to minimize requests for applicant information; and (3) review how de novo financial intuitions raise capital while maintaining investor protections, including the impact of restrictions on raising capital."},{"k":"p","t":"At the request of an applicant, regulators must (1) designate an employee as a caseworker to assist in the application process, and (2) provide a list of similar institutions interested in serving as a mentor."},{"k":"p","t":"Each regulator must also develop a state and stakeholder engagement plan to assist interested parties with understanding the relevant regulatory processes."},{"k":"p","t":"(Sec. 908) This section authorizes federal banking agencies to issue rules allowing a qualifying community bank or its depository institution holding company two years to meet capital requirements. During this period, a qualifying community bank or its depository institution holding company may request to deviate from an approved business plan, and the appropriate agency has 180 days to approve or deny the request."},{"k":"p","t":"(Sec. 909) This section requires federal banking agencies and the National Credit Union Administration to study and report on methods to improve the growth, capital adequacy, and profitability of depository institutions and credit unions, respectively, serving rural areas."},{"k":"p","t":"TITLE X--HOME-OWNERSHIP FOR MAIN STREET AMERICA"},{"k":"p","t":"(Sec. 1001) This section generally prohibits large institutional investors that invest in single-family homes (and have investment control of at least 350 such homes in aggregate) from purchasing single-family homes. The section authorizes specified agencies to issue rules to implement the prohibition."},{"k":"p","t":"The section authorizes civil penalties of up to $1 million per violation or 3 times the purchase price of the property involved, whichever is greater."},{"k":"p","t":"The section's restrictions and penalties take effect 180 days after enactment and expire 15 years after this date."},{"k":"p","t":"TITLE XI--CENTRAL BANK DIGITAL CURRENCY"},{"k":"p","t":"(Sec. 1101) This section temporarily prohibits the Federal Reserve from issuing a central bank digital currency. A central bank digital currency is a digital asset (i.e., cryptocurrency) that is (1) denominated in U.S. dollars, (2) a U.S. currency, (3) a direct liability of the Federal Reserve System, and (4) widely available to the general public."},{"k":"p","t":"The prohibition ends on December 31, 2030."},{"k":"p","t":"TITLE XII--MISCELLANEOUS"},{"k":"p","t":"(Sec. 1201) This section provides that if any provision of this act is held to be invalid, the remainder of the provisions of the act are not affected."},{"k":"p","t":"(Sec. 1202) This section provides that no additional funds are authorized to be appropriated to carry out this act."}],"words":3527},"summary":{"main_subject":{"text":"Creates and changes federal housing programs, including grants, environmental review, manufactured housing, HOME, rural housing and disaster recovery, and also changes mortgage, appraisal, bank and credit union rules.","cites":[{"label":"Title II","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HBED64328B5644EE59146EA131AB9E33B"},{"label":"Title III","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H056AD08BA4B248CDBA15B8CE2EAD556E"},{"label":"Title V","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HDEB8861EAF7747CDB74753642F4F559A"},{"label":"Title IX","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H4A40F1420E824E498C87ABE813A39CF7"}]},"core_areas":["Housing supply grants and zoning guidance","Environmental review for housing projects","Manufactured and modular housing","HOME Investment Partnerships program","Rural Housing Service programs","Community Development Block Grant disaster recovery","FHA loan limits and mortgage and appraisal rules","Bank and credit union regulation","Purchases of single-family homes by large institutional investors","Central bank digital currency"],"what_it_does":[{"text":"Adjusts Community Development Block Grant allocations to certain metropolitan cities and urban counties based on housing growth improvement rate, and decreases the allocation by 10 percent for those below the median rate.","cite":{"label":"Sec. 213","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HD3D6AF735E6C4447AA66F32D499B8C36:~:text=213.%20Build%20Now%20Act"}},{"text":"Changes the definition of manufactured home to cover homes built \"with or without a permanent chassis\" and requires HUD to issue revised standards for manufactured homes built without a permanent chassis.","cite":{"label":"Sec. 301","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HC63E34C4A1654A419B23663CE0D66588:~:text=301.%20Housing%20Supply%20Expansion%20Act"}},{"text":"Changes HOME Investment Partnerships eligibility to families with income not above 100 percent of area median family income, and lets certain participating jurisdictions use funds for infrastructure improvements such as water and sewer lines.","cite":{"label":"Sec. 501","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HBF102AAAC24045378480549258223E22:~:text=501.%20HOME%20Investment%20Partnerships%20Reauthorization%20and%20Reform"}},{"text":"Requires HUD to reclassify listed housing activities, such as tenant-based rental assistance and infill projects, under environmental review exemption and categorical exclusion regulations.","cite":{"label":"Sec. 206","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H9DAA4B89F1F24FC38204612EC91A2E84:~:text=206.%20Unlocking%20Housing%20Supply%20Through%20Streamlined%20and"}},{"text":"Establishes a Community Development Block Grant Disaster Recovery program funded from a Long-Term Disaster Recovery Fund, creates the Office of Disaster Management and Resiliency, and ends the program 3 years after enactment.","cite":{"label":"Sec. 504","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H2875757124CA40AAA63F06A61935DED4:~:text=504.%20Reforming%20Disaster%20Recovery%20Act"}},{"text":"Amends the Rental Assistance Demonstration language by replacing the end date of September 30, 2029 and changing the number 455,000 to 555,000.","cite":{"label":"Sec. 212","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H921421367FB44A65BFA0A330C027DC08:~:text=212.%20Rental%20Assistance%20Demonstration%20Program"}},{"text":"Prohibits a large institutional investor with investment control of not less than 350 single-family homes from purchasing single-family homes, with listed exceptions, and sets civil penalties of up to $1,000,000 per violation or 3 times the purchase price, whichever is greater.","cite":{"label":"Sec. 1001","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HABF8AD1381D747D79DEF50DFFD373FF7:~:text=1001.%20Homes%20are%20for%20people"}},{"text":"Bars the Board of Governors of the Federal Reserve System and Federal reserve banks from issuing a central bank digital currency, with the prohibition ceasing on December 31, 2030.","cite":{"label":"Sec. 1101","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H3284CD23F638405BBB79275359EE6AE8:~:text=1101.%20Central%20bank%20digital%20currency"}},{"text":"Authorizes a pilot program of grants for whole-home repairs for eligible home-owners and eligible landlords, with the pilot program ending on October 1, 2031.","cite":{"label":"Sec. 202","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H3CB9F84EFA694C92B9EDEE5AFEE6D399"}},{"text":"Raises the dollar limits for several FHA multifamily mortgage insurance programs in the National Housing Act and sets how those limits are adjusted each year.","cite":{"label":"Sec. 211","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HF15E10849D68435C9920E89784D6F6E9:~:text=211.%20Housing%20Affordability%20Act"}}],"unexpected":[{"category":"off_subject","items":[{"cite":{"label":"Sec. 101","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H6537BAFA0D434E5DBD0296A356218186:~:text=101.%20Reforms%20to%20housing%20counseling%20and%20financial"},"heading":"Reforms to housing counseling and financial literacy programs","effect":"Changes the HUD housing counseling program: adds performance reviews of counseling organizations, lets HUD act on counselors who lack competence or deny renewal of assistance, and adds foreclosure mitigation counseling for delinquent borrowers.","amount":null,"quote":"The Secretary may deny renewal of covered assistance to an organization or entity receiving covered assistance if the Secretary determines"},{"cite":{"label":"Sec. 106","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H81B8FF1F5F6C40E4902EB4F0FA330076:~:text=106.%20Temperature%20Sensor%20Pilot%20Program"},"heading":"Temperature Sensor Pilot Program","effect":"Directs HUD to set up a temperature sensor pilot program giving grants to public housing agencies and owners of certain federally assisted rental units to install and test temperature sensors, ending 3 years after enactment.","amount":null,"quote":"The Secretary of Housing and Urban Development shall establish a temperature sensor pilot program to provide grants to public housing agencies and owners of covered federally assisted rental dwelling units"},{"cite":{"label":"Sec. 202","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H3CB9F84EFA694C92B9EDEE5AFEE6D399"},"heading":"Whole-Home Repairs Act","effect":"Authorizes a pilot program of grants to implementing organizations for home repair grants to eligible home-owners and loans to eligible landlords, with 2 to 10 awards per year and no more than 1 per State; ends October 1, 2031.","amount":null,"quote":"There is authorized a pilot program to provide grants to implementing organizations to administer a whole-home repairs program for eligible home-owners and eligible landlords."},{"cite":{"label":"Sec. 212","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H921421367FB44A65BFA0A330C027DC08:~:text=212.%20Rental%20Assistance%20Demonstration%20Program"},"heading":"Rental Assistance Demonstration Program","effect":"Amends the Rental Assistance Demonstration appropriations language to make its time limit run for each fiscal year, raise a unit cap from 455,000 to 555,000, and add tenant lease, reporting, penalty and property-use provisions.","amount":null,"quote":"in the fourth proviso, by striking “455,000” and inserting “555,000”","added_after":true},{"cite":{"label":"Sec. 404","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H84AFEE3B44364DEBBE8291CBF1925A6C:~:text=404.%20Helping%20More%20Families%20Save%20Act"},"heading":"Helping More Families Save Act","effect":"Lets HUD set up a pilot in which up to 25 entities hold interest-bearing escrow accounts for up to 5,000 families receiving Section 8 or 9 assistance, with deposits equal to rent increases tied to earned income.","amount":null,"quote":"select not more than 25 eligible entities to establish and manage escrow accounts for not more than 5,000 covered families"},{"cite":{"label":"Sec. 405","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H7F57BC28580746BE8A077C17D42E0143:~:text=405.%20Choice%20in%20Affordable%20Housing%20Act"},"heading":"Choice in Affordable Housing Act","effect":"Deems Section 8 voucher units to meet inspection requirements if they passed other program inspections (tax credit, HOME, Rural Housing Service) in the prior 12 months, allows remote or video inspections in rural or small areas, and allows early inspection of units of new landlords.","amount":null,"quote":"A dwelling unit shall be deemed to meet the inspection requirements under this paragraph if"},{"cite":{"label":"Sec. 503","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HC7D7BE6B3E204C578D24D067CBC1D622:~:text=503.%20Incentivizing%20local%20solutions%20to%20homelessness"},"heading":"Incentivizing local solutions to homelessness","effect":"Lets a recipient of McKinney-Vento homeless assistance grants request a waiver of the expenditure limit in section 415(b) for fiscal years 2027 through 2030, and requires the Secretary to approve or deny the request within 60 days.","amount":null,"quote":"a recipient may request a waiver to the expenditure limit established pursuant to section 415(b) for amounts provided for each of fiscal years 2027 through 2030.","added_after":true},{"cite":{"label":"Sec. 505","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HA60E936BC2824197AE3AFDC6E85E3CA4:~:text=505.%20New%20Moving%20to%20Work%20cohort"},"heading":"New Moving to Work cohort","effect":"Lets HUD add up to 25 more public housing agencies to the Moving to Work demonstration as a new cohort, with caps by agency size, limits on which waivers can be granted, and annual reporting.","amount":null,"quote":"the Secretary may add up to an additional 25 public housing agencies that are designated as high performing agencies under the Public Housing Assessment System or the Section 8 Management Assessment Program","added_after":true},{"cite":{"label":"Sec. 602","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HD2FB2E9AC5A343E68B848ED82C374E91:~:text=602.%20Housing%20Unhoused%20Disabled%20Veterans%20Act"},"heading":"Housing Unhoused Disabled Veterans Act","effect":"Excludes veterans' disability benefits under title 38 from income when determining income eligibility for the HUD-VASH supported housing program and for units built on VA property.","amount":null,"quote":"the Secretary shall exclude from income any disability benefits received under chapter 11 or chapter 15 of title 38, United States Code by such person."},{"cite":{"label":"Sec. 701","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HAC4FE391E2554A2F9541EB0718491963:~:text=701.%20Requiring%20annual%20testimony%20and%20oversight%20from"},"heading":"Requiring annual testimony and oversight from housing regulators","effect":"Requires the HUD Secretary to appear at an annual hearing before the Senate Banking and House Financial Services Committees and testify on the Department's operations in the preceding year.","amount":null,"quote":"The Secretary shall appear before the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives at an annual hearing"},{"cite":{"label":"Sec. 703","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H2BD5608929244F04A0BBA8BB374CA03C:~:text=703.%20United%20States%20Interagency%20Council%20on%20Homelessness"},"heading":"United States Interagency Council on Homelessness oversight","effect":"Amends the McKinney-Vento Act so the U.S. Interagency Council on Homelessness submits yearly reports on its plan's status and modifications, and testifies annually before Congress if requested.","amount":null,"quote":"submit to the President and Congress a report every year thereafter that includes—","added_after":true},{"cite":{"label":"Sec. 803","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H630F0337E5E64823ACC6FF3F657A1603:~:text=803.%20Improving%20self"},"heading":"Improving self-sufficiency of families in HUD-subsidized housing","effect":"Directs HUD to study work requirements that certain Moving to Work public housing agencies put in place before enactment, if the Secretary finds enough such agencies exist and the study would not negatively affect low-income families.","amount":null,"quote":"submit a proposal identifying work requirements as an innovative proposal.","added_after":true},{"cite":{"label":"Sec. 804","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H918F21DD1E0F498981EE2217E5AA0F55:~:text=804.%20GAO%20studies"},"heading":"GAO studies","effect":"Requires GAO studies on workforce housing for middle-income households, housing for elderly or disabled persons, public housing near Superfund sites, and residential heirs property.","amount":null,"quote":"identifies how many residential dwelling units, and how many dwelling units that are a part of public housing"},{"cite":{"label":"Sec. 805","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H3F9B639BBDA9497D851C4B7DBFB84E24:~:text=805.%20Improving%20public%20housing%20agency%20accountability"},"heading":"Improving public housing agency accountability","effect":"Sets annual notice, receiver and monitor reporting, contract disclosure, and Inspector General review requirements for public housing agencies that have a receiver or Federal monitor appointed.","amount":null,"quote":"a public housing agency (as defined in section 3(b) of the United States Housing Act of 1937 (42 U.S.C. 1437a(b))) for which an administrative or judicial receiver or Federal monitor was appointed."},{"cite":{"label":"Sec. 906","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H1A3A258B1C334809B993C9B05007DF17:~:text=906.%20Advancing%20the%20mentor"},"heading":"Advancing the mentor-protégé program for small financial institutions","effect":"Directs the Secretary of the Treasury to set up a Financial Agent Mentor-Protégé Program in which a designated financial agent or a large financial institution (assets of $50,000,000,000 or more) mentors a small financial institution so it can serve as a government financial agent or build capacity.","amount":"$50,000,000,000","quote":"The Secretary shall establish a program to be known as the “Financial Agent Mentor-Protégé Program”"}]},{"category":"place_specific_amount","items":[{"cite":{"label":"Sec. 213","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HD3D6AF735E6C4447AA66F32D499B8C36:~:text=213.%20Build%20Now%20Act"},"heading":"Build Now Act","effect":"Adjusts Community Development Block Grant allocations by housing growth: eligible recipients at or above the median get a bonus amount, and those below the median are cut by 10 percent. Recipients meeting certain rent, vacancy, disaster or legal-authority conditions are excluded.","amount":null,"quote":"the Secretary shall decrease the amount that would otherwise be allocated to the eligible recipient under section 106 for that fiscal year by 10 percent.","added_after":true},{"cite":{"label":"Sec. 209","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H74CF768122CE4118A9BCE0CFE9BC52FD:~:text=209.%20Accelerating%20Home%20Building%20Act"},"heading":"Accelerating Home Building Act","effect":"In the prereviewed housing design grant program, requires that at least 10 percent of each fiscal year's grant amount go to eligible entities located in rural areas.","amount":null,"quote":"the Secretary shall ensure that not less than 10 percent shall be used for grants to eligible entities that are located in rural areas."}]},{"category":"selective_carve_out","items":[{"cite":{"label":"Sec. 103","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H02AA8A01334945FB97616555DA1D58C7:~:text=103.%20Exemption%20on%20construction%20or%20modification%20of"},"heading":"Exemption on construction or modification of residential housing located on an infill site","effect":"Exempts Department of Agriculture assistance for building or modifying housing on infill sites from any required study or report on environmental effects.","amount":null,"quote":"the Secretary of Agriculture shall not be required to carry out any study or report on the environmental effects of such assistance."},{"cite":{"label":"Sec. 403","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H9C494618ABEA46AB91754839670983D2:~:text=403.%20Appraisal%20Industry%20Improvement%20Act"},"heading":"Appraisal Industry Improvement Act","effect":"Amends FHA appraiser requirements so that a Federal employee whose primary duty is appraisal work needs a license or certification in only 1 State or territory to appraise FHA-insured mortgages in all States and territories.","amount":null,"quote":"a Federal employee who has as their primary duty conducting appraisal-related activities and who chooses to become a State-licensed or certified real estate appraiser need only to be licensed or certified in 1 State or territory","added_after":true},{"cite":{"label":"Sec. 501","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HBF102AAAC24045378480549258223E22:~:text=501.%20HOME%20Investment%20Partnerships%20Reauthorization%20and%20Reform"},"heading":"HOME Investment Partnerships Reauthorization and Reform Act","effect":"Makes the Section 3 requirements of the Housing and Urban Development Act of 1968 not apply to HOME-assisted housing activities of up to 50 units when the recipient is a State recipient or a jurisdiction with an allocation under $3,000,000.","amount":"$3,000,000","quote":"a participating jurisdiction that received a total allocation of less than $3,000,000 in the most recent fiscal year pursuant to section 216"},{"cite":{"label":"Sec. 502","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HCC70A4145D31461FBBA2AD389F2BDE77:~:text=502.%20Rural%20Housing%20Service%20Reform%20Act"},"heading":"Rural Housing Service Reform Act","effect":"Directs USDA to revise its rural housing loan regulation so that a home-based business that is a licensed, registered or regulated child care provider, or has applied to become one, is excluded from a restriction in that regulation.","amount":null,"quote":"a home-based business that is a licensed, registered, or regulated child care provider under State law or by a tribal organization","added_after":true},{"cite":{"label":"Sec. 908","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H6E974F540EAB4C1AA89744D3752BDC0A:~:text=908.%20Promoting%20new%20bank%20formation"},"heading":"Promoting new bank formation","effect":"Allows federal banking agencies to issue rules giving a 2-year phase-in of capital requirements, and a chance to change approved business plans, for banks with under $10,000,000,000 in assets that became insured between January 1, 2026 and December 31, 2028.","amount":"$10,000,000,000","quote":"became an insured depository institution between January 1, 2026, and December 31, 2028."},{"cite":{"label":"Sec. 1001","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HABF8AD1381D747D79DEF50DFFD373FF7:~:text=1001.%20Homes%20are%20for%20people"},"heading":"Homes are for people, not corporations","effect":"Bars large institutional investors (350 or more single-family homes) from buying single-family homes, but exempts listed categories of purchases, such as build-to-rent, renovate-to-rent, and age-55-and-older communities. Penalties are up to $1,000,000 per violation or 3 times the purchase price, and the prohibition is repealed after 15 years.","amount":null,"quote":"newly constructed, renovated, or a rental conversion that is intended and operated for occupancy as part of a community for households with 1 or more members aged 55 years or older"},{"cite":{"label":"Sec. 201","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HD47F80339CD54C5A84AF11FD04CE667D:~:text=201.%20Increasing%20housing%20in%20opportunity%20zones"},"heading":"Increasing housing in opportunity zones","effect":"Lets HUD give additional weight in competitive housing grants to applicants whose projects are in or directly benefit a qualified opportunity zone.","amount":null,"quote":"may give additional weight to applicants with proposed activities or projects that are located in or substantially and directly benefit a community designated as a qualified opportunity zone","added_after":true},{"cite":{"label":"Sec. 301","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HC63E34C4A1654A419B23663CE0D66588:~:text=301.%20Housing%20Supply%20Expansion%20Act"},"heading":"Housing Supply Expansion Act","effect":"Sets the deadline for the initial State manufactured home certification at 1 year after enactment, but gives States whose legislatures meet biennially 2 years.","amount":null,"quote":"With respect to a State with a legislature that meets biennially, the deadline for the submission of the initial certification required under subparagraph (A) shall be 2 years"},{"cite":{"label":"Sec. 205","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H7446F3FB184A4ED7ACEB57561E4964DB:~:text=205.%20Better%20Use%20of%20Intergovernmental%20and%20Local"},"heading":"Better Use of Intergovernmental and Local Development (BUILD) Housing Act","effect":"Lets HUD treat its assistance as funds for a special project for environmental review, but the designation does not apply to assistance with a procedure already set in law, or to grantees that combine funds appropriated before and after enactment.","amount":null,"quote":"If a grantee of assistance administered by the Secretary of Housing and Urban Development combines funds appropriated before and after the date of enactment of this Act to carry out a project"},{"cite":{"label":"Sec. 206","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H9DAA4B89F1F24FC38204612EC91A2E84:~:text=206.%20Unlocking%20Housing%20Supply%20Through%20Streamlined%20and"},"heading":"Unlocking Housing Supply Through Streamlined and Modernized Reviews Act","effect":"Directs HUD to expand environmental review exemptions and categorical exclusions for housing activities, but the changes do not apply to grantees that combine funds appropriated before and after the effective date of the actions.","amount":null,"quote":"shall not apply with respect to a grantee that combines funds appropriated before and after the effective date of those actions to carry out a project"}]}],"version":{"type":"Enrolled Bill","date":null,"rule":"enrolled","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr"},"current":true,"model":"claude-sonnet-5-5","approved":"2026-10-02","approved_by":"checks"},"changes":{"first":{"chamber":"House","type":"Engrossed in House","date":"2026-02-09","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/eh"},"final":{"type":"Enrolled Bill","date":null,"href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr"},"kept":0.66,"replaced":false,"removed":[{"cite":{"label":"Sec. 202","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/eh#toc-HEFB01C00EFF341F99C5862ADF08BFACE"},"heading":"Community Development Fund Amendments","effect":"Requires certain community development grant recipients to describe adopted and planned land use policies, adds new construction of affordable housing as an eligible activity capped at 20-percent, and requires a searchable database of undeveloped publicly owned land.","partly":{"label":"Sec. 204","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H504D5FB812A14522AC66D57FD02FBB67:~:text=204.%20Addition%20of%20affordable%20housing%20construction%20as"},"part":"Requires grant recipients to submit, at least once in each 5-year period, a description of adopted and planned land use policies from a listed set, and bars use of that information for enforcement."},{"cite":{"label":"Sec. 603","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/eh#toc-HE17ED7883CC349D6984A7CDE45EC6A15"},"heading":"Supervisory Modifications for Appropriate Risk-based Testing","effect":"Gives well managed, well capitalized banks and credit unions with $6,000,000,000 or less in assets alternating limited-scope and combined examinations, sets on-site examination practices for smaller institutions, and requires annual report data.","partly":null,"part":null},{"cite":{"label":"Sec. 607","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/eh#toc-H0287185D051841D2A67600EB3CA71833"},"heading":"Least cost exception","effect":"Lets the FDIC choose a resolution method that is not the least costly to the Deposit Insurance Fund under set conditions, with rulemaking within 1 year, an assessment on the acquirer, and a report to Congress within 30 days.","partly":null,"part":null},{"cite":{"label":"Sec. 608","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/eh#toc-H16D72B6A8581462AB6F26E85FF1B1755"},"heading":"Failing Bank Acquisition Fairness","effect":"Limits exceptions to deposit and liability concentration limits in bank mergers to cases needing clear and convincing evidence of necessity and no qualified bid, requires a report to Congress within 30 days of a waiver, and bars considering bad faith bids in least cost determinations.","partly":null,"part":null},{"cite":{"label":"Sec. 613","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/eh#toc-H1CF29FDE1B554154ABAE899972EF20A3"},"heading":"Discretionary Surplus Fund","effect":"Reduces the dollar amount specified under section 7(a)(3)(A) of the Federal Reserve Act by $115,000,000, effective September 30, 2035.","partly":null,"part":null}],"added":[{"cite":{"label":"Sec. 201","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HD47F80339CD54C5A84AF11FD04CE667D:~:text=201.%20Increasing%20housing%20in%20opportunity%20zones"},"heading":"Increasing housing in opportunity zones","effect":"Defines a covered grant as a competitive housing grant and lets the Secretary of Housing and Urban Development give additional weight to applicants whose projects are in or benefit a qualified opportunity zone.","partly":null,"part":null},{"cite":{"label":"Sec. 208","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HE038876568F24606A6EDDA9FF32BF5AF:~:text=208.%20Innovation%20Fund"},"heading":"Innovation Fund","effect":"Establishes a competitive grant program for eligible entities that have increased local housing supply, sets grant sizes of $250,000 to $10,000,000, ends the program after 7 years, and authorizes $200,000,000 for each of fiscal years 2027 through 2031.","partly":null,"part":null},{"cite":{"label":"Sec. 212","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H921421367FB44A65BFA0A330C027DC08:~:text=212.%20Rental%20Assistance%20Demonstration%20Program"},"heading":"Rental Assistance Demonstration Program","effect":"Amends the Rental Assistance Demonstration language in the 2012 HUD Appropriations Act: replaces \"until September 30, 2029\" with \"for fiscal year 2012 and each fiscal year thereafter,\" raises 455,000 to 555,000, and adds tenant lease, annual assessment, sanction and property-use provisos.","partly":null,"part":null},{"cite":{"label":"Sec. 213","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HD3D6AF735E6C4447AA66F32D499B8C36:~:text=213.%20Build%20Now%20Act"},"heading":"Build Now Act","effect":"Directs the Secretary to adjust section 106 Community Development Block Grant allocations by housing growth improvement rate: a bonus at or above the median, a 10 percent decrease below it, effective the third full fiscal year after enactment through fiscal year 2043.","partly":null,"part":null},{"cite":{"label":"Sec. 302","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H07A75CC473074C9A9F150ECAAE30E9F2:~:text=302.%20Modular%20Housing%20Production%20Act"},"heading":"Modular Housing Production Act","effect":"Directs the Secretary of Housing and Urban Development to review FHA construction financing programs for barriers to modular home methods, publish a report in 1 year, start a rulemaking on an alternative draw schedule, and allows a grant to study a uniform commercial code for modular homes.","partly":null,"part":null},{"cite":{"label":"Sec. 303","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H3B4305B1BA1A421D8058E7FBD7769638:~:text=303.%20Property%20Improvement%20and%20Manufactured%20Housing%20Loan"},"heading":"Property Improvement and Manufactured Housing Loan Modernization Act","effect":"Amends section 2 of the National Housing Act to add accessory dwelling unit construction, set new loan limits including $75,000, $150,000 and $37,500, and require annual indexing, and requires a HUD study of offsite construction housing within 1 year.","partly":null,"part":null},{"cite":{"label":"Sec. 304","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HFC52319E00684A4EB91E65C051428B79:~:text=304.%20PRICE%20Act"},"heading":"PRICE Act","effect":"Adds section 123 to the Housing and Community Development Act of 1974, creating a competitive grant program for eligible manufactured housing communities, with eligible projects, priorities, waivers, a set-aside for tribal recipients, and a sunset 7 years after enactment.","partly":null,"part":null},{"cite":{"label":"Sec. 401","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H655C4A8273CB4B4B97FDA5F12E9CC7FF:~:text=401.%20Creating%20incentives%20for%20small"},"heading":"Creating incentives for small-dollar loan originators","effect":"Defines small-dollar mortgage as a loan of not more than $100,000 and requires the CFPB Director, within 270 days, to report to Congress on loan originator compensation practices, including data on small-dollar mortgage availability.","partly":null,"part":null},{"cite":{"label":"Sec. 402","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H29A47B62A9224104B31C0EE29CE7C72D"},"heading":"Small-dollar mortgage points and fees","effect":"Defines small-dollar mortgage as under $100,000 and requires the CFPB Director, within 270 days and in consultation with HUD and FHFA, to evaluate the impact of the 12 CFR 1026.43 thresholds on small-dollar mortgage originations.","partly":null,"part":null},{"cite":{"label":"Sec. 403","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H9C494618ABEA46AB91754839670983D2:~:text=403.%20Appraisal%20Industry%20Improvement%20Act"},"heading":"Appraisal Industry Improvement Act","effect":"Sets FHA appraiser licensing, competency and education requirements, lets the Appraisal Subcommittee adjust registry fees, adds State credentialed trainee appraisers, authorizes workforce grants, and adds agencies to the Subcommittee.","partly":null,"part":null},{"cite":{"label":"Sec. 502","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HCC70A4145D31461FBBA2AD389F2BDE77:~:text=502.%20Rural%20Housing%20Service%20Reform%20Act"},"heading":"Rural Housing Service Reform Act","effect":"Applies multifamily foreclosure procedures to Agriculture-held mortgages, preserves rental assistance, requires a subsidy study, allows staffing and technology upgrades, and creates a permanent housing preservation and revitalization program.","partly":null,"part":null},{"cite":{"label":"Sec. 503","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HC7D7BE6B3E204C578D24D067CBC1D622:~:text=503.%20Incentivizing%20local%20solutions%20to%20homelessness"},"heading":"Incentivizing local solutions to homelessness","effect":"Amends section 414 of the McKinney-Vento Homeless Assistance Act to let a recipient request a waiver of the section 415(b) expenditure limit for fiscal years 2027 through 2030, with waiver request contents, public input, a 60-day approve-or-deny deadline, and revocation procedures.","partly":null,"part":null},{"cite":{"label":"Sec. 505","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HA60E936BC2824197AE3AFDC6E85E3CA4:~:text=505.%20New%20Moving%20to%20Work%20cohort"},"heading":"New Moving to Work cohort","effect":"Lets the Secretary of Housing and Urban Development add up to 25 public housing agencies to a new Moving to Work cohort, and sets its waiver limits, funding rules, selection requirements, noncompliance steps and reporting requirements.","partly":null,"part":null},{"cite":{"label":"Sec. 603","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H50BFAF7F666745DA8117766461239027:~:text=603.%20Veterans%20Affairs%20Loan%20Informed%20Disclosure"},"heading":"Veterans Affairs Loan Informed Disclosure (VALID) Act","effect":"Adds VA loan information to the FHA informed consumer choice notice, and requires each enterprise to put a military service question with Yes, No and Prefer Not To Answer options above the signature line of the Uniform Residential Loan Application.","partly":{"label":"Sec. 402","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/eh#toc-H0DF5BA2E52E14FF294E151D93CE10BB5"},"part":"Adds information on loans guaranteed or insured under chapter 37 of title 38, United States Code, assuming prevailing interest rates, to the notice required under section 203(f) of the National Housing Act."},{"cite":{"label":"Sec. 702","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HF35F5B05378E44E3970E866572E73552:~:text=702.%20FHA%20reporting%20requirements%20on%20safety%20and"},"heading":"FHA reporting requirements on safety and soundness","effect":"Requires the Secretary to send Congress monthly reports on the capital ratio required under section 205(f)(2) of the National Housing Act, and to notify Congress as soon as practicable after the Fund falls below that ratio.","partly":null,"part":null},{"cite":{"label":"Sec. 703","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H2BD5608929244F04A0BBA8BB374CA03C:~:text=703.%20United%20States%20Interagency%20Council%20on%20Homelessness"},"heading":"United States Interagency Council on Homelessness oversight","effect":"Amends section 203(a) of the McKinney-Vento Homeless Assistance Act to require a yearly report to the President and Congress on the status of the plan and any changes to it, and adds a duty to testify annually before Congress, if requested.","partly":null,"part":null},{"cite":{"label":"Sec. 704","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H81EFE4EA83C04D5DB92FFF40016C8A4E:~:text=704.%20Appraisal%20Modernization%20Act"},"heading":"Appraisal Modernization Act","effect":"Requires the Secretary of Agriculture, the Secretary of Veterans Affairs, the FHA Commissioner and the FHFA Director to require a review procedure for consumer-initiated reconsideration of value, and directs a GAO report and hearings on a public appraisal database.","partly":null,"part":null},{"cite":{"label":"Sec. 803","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H630F0337E5E64823ACC6FF3F657A1603:~:text=803.%20Improving%20self"},"heading":"Improving self-sufficiency of families in HUD-subsidized housing","effect":"Directs the Secretary of Housing and Urban Development to study work requirements previously implemented by Moving to Work public housing agencies, and to report initial findings within 1 year, if the Secretary makes certain determinations.","partly":null,"part":null},{"cite":{"label":"Sec. 1101","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H3284CD23F638405BBB79275359EE6AE8:~:text=1101.%20Central%20bank%20digital%20currency"},"heading":"Central bank digital currency","effect":"Adds section 16A to the Federal Reserve Act, barring the Board of Governors or a Federal reserve bank from issuing a central bank digital currency, with an exception for open, permissionless, private currency, and ends the section on December 31, 2030.","partly":null,"part":null},{"cite":{"label":"Sec. 1201","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-HB4618187040C41038000401E5F0124CB"},"heading":"Severability","effect":"Provides that if any provision of the Act or its application is held invalid, the remainder of the Act and its other applications are not affected.","partly":null,"part":null},{"cite":{"label":"Sec. 1202","href":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text/enr#toc-H87F9A72BAEAC4142B741AD68E92055D8:~:text=1202.%20No%20additional%20funds%20authorized"},"heading":"No additional funds authorized","effect":"States that no additional funds are authorized to be appropriated to carry out the requirements of the Act or any amendment made by it.","partly":null,"part":null}],"added_count":21,"approved":"2026-10-01","approved_by":"desk"},"sources":{"congress_gov":"https://www.congress.gov/bill/119th-congress/house-bill/6644","text":"https://www.congress.gov/bill/119th-congress/house-bill/6644/text"},"card":{"image":"card/item/119-hr-6644.png","v":"9631508b5064","alt":"Votes on Record. H.R. 6644, 119th Congress: 21st Century ROAD to Housing Act. House: 358 Yea, 32 Nay. Senate: 85 Yea, 5 Nay. Outcome: Law without signature, 11 Jul 2026."}}