H.R. 6644: 21st Century ROAD to Housing Act

Bill · 119th Congress (2025–2026). Law without signature, 11 Jul 2026 · Public Law 119-101. Introduced 11 Dec 2025.

Official title: A bill to increase the supply of housing in America, and for other purposes.

Vote results

House, 23 Jun 2026: Passed, 358 Yea, 32 Nay, 0 Present, 41 Not voting. The House’s roll call
Senate, 22 Jun 2026: Motion Agreed to, 85 Yea, 5 Nay, 0 Present, 10 Not voting. The Senate’s roll call
President: Became law without signature, 11 Jul 2026 · Public Law 119-101

How each member voted

White House

Law without signature (1): Donald Trump (R, President).

Not in office (2): Joseph Biden (D, President); Kamala D. Harris (D, Vice President).

Senate

Yea (85): Chuck Grassley (R-IA); Edward J. Markey (D-MA); Charles E. Schumer (D-NY); Ron Wyden (D-OR); Richard J. Durbin (D-IL); Jack Reed (D-RI); Bernard Sanders (I-VT); Mike Crapo (R-ID); Roger F. Wicker (R-MS); Susan M. Collins (R-ME); Jerry Moran (R-KS); Tammy Baldwin (D-WI); Maria Cantwell (D-WA); John Thune (R-SD); Shelley Moore Capito (R-WV); Adam B. Schiff (D-CA); John Boozman (R-AR); John Cornyn (R-TX); Lisa Murkowski (R-AK); Marsha Blackburn (R-TN); Chris Van Hollen (D-MD); Kirsten E. Gillibrand (D-NY); Mazie K. Hirono (D-HI); Amy Klobuchar (D-MN); Christopher Murphy (D-CT); Peter Welch (D-VT); John Barrasso (R-WY); Bill Cassidy (R-LA); Martin Heinrich (D-NM); Ben Ray Luján (D-NM); Jeff Merkley (D-OR); Gary C. Peters (D-MI); James E. Risch (R-ID); Jeanne Shaheen (D-NH); Mark R. Warner (D-VA); Christopher A. Coons (D-DE); Richard Blumenthal (D-CT); John Hoeven (R-ND); James Lankford (R-OK); Tim Scott (R-SC); Brian Schatz (D-HI); Tom Cotton (R-AR); Kevin Cramer (R-ND); Steve Daines (R-MT); Tammy Duckworth (D-IL); Deb Fischer (R-NE); Tim Kaine (D-VA); Angus S. King, Jr. (I-ME); Cynthia M. Lummis (R-WY); Elizabeth Warren (D-MA); Cory A. Booker (D-NJ); Joni Ernst (R-IA); Ruben Gallego (D-AZ); Mike Rounds (R-SD); Dan Sullivan (R-AK); Thom Tillis (R-NC); Jim Banks (R-IN); Lisa Blunt Rochester (D-DE); Ted Budd (R-NC); Catherine Cortez Masto (D-NV); Margaret Wood Hassan (D-NH); John Kennedy (R-LA); Roger Marshall (R-KS); Jacky Rosen (D-NV); Tina Smith (D-MN); Cindy Hyde-Smith (R-MS); Josh Hawley (R-MO); Andy Kim (D-NJ); Mark Kelly (D-AZ); Bill Hagerty (R-TN); John W. Hickenlooper (D-CO); Jon Ossoff (D-GA); Alex Padilla (D-CA); Raphael G. Warnock (D-GA); Katie Boyd Britt (R-AL); John Fetterman (D-PA); Eric Schmitt (R-MO); Pete Ricketts (R-NE); Angela D. Alsobrooks (D-MD); David McCormick (R-PA); Bernie Moreno (R-OH); Tim Sheehy (R-MT); Jon Husted (R-OH); Ashley Moody (R-FL); Alan Armstrong (R-OK).

Nay (5): Ron Johnson (R-WI); Mike Lee (R-UT); Rand Paul (R-KY); Rick Scott (R-FL); Tommy Tuberville (R-AL).

Not voting (10): Mitch McConnell (R-KY); Patty Murray (D-WA); Sheldon Whitehouse (D-RI); Michael F. Bennet (D-CO); Todd Young (R-IN); Ted Cruz (R-TX); John R. Curtis (R-UT); Elissa Slotkin (D-MI); James C. Justice (R-WV); Lindsey Graham (R-SC).

Not in office (4): Darline Graham (R-SC); Marco Rubio (R-FL); Markwayne Mullin (R-OK); J.D. Vance (R-OH).

House

Yea (358): Harold Rogers (R-KY-5); Christopher H. Smith (R-NJ-4); Steny H. Hoyer (D-MD-5); Marcy Kaptur (D-OH-9); Nancy Pelosi (D-CA-11); Frank Pallone, Jr. (D-NJ-6); Richard E. Neal (D-MA-1); Rosa L. DeLauro (D-CT-3); Maxine Waters (D-CA-43); Sanford D. Bishop, Jr. (D-GA-2); Ken Calvert (R-CA-41); James E. Clyburn (D-SC-6); Robert C. "Bobby" Scott (D-VA-3); Bennie G. Thompson (D-MS-2); Frank D. Lucas (R-OK-3); Lloyd Doggett (D-TX-37); Zoe Lofgren (D-CA-18); Robert B. Aderholt (R-AL-4); Danny K. Davis (D-IL-7); Diana DeGette (D-CO-1); James P. McGovern (D-MA-2); Brad Sherman (D-CA-32); Adam Smith (D-WA-9); John B. Larson (D-CT-1); Michael K. Simpson (R-ID-2); Mike Thompson (D-CA-4); Pete Sessions (R-TX-17); Sam Graves (R-MO-6); Rick Larsen (D-WA-2); Betty McCollum (D-MN-4); Stephen F. Lynch (D-MA-8); Tom Cole (R-OK-4); Mario Diaz-Balart (R-FL-26); Mike Rogers (R-AL-3); Linda T. Sánchez (D-CA-38); Michael R. Turner (R-OH-10); Darrell Issa (R-CA-48); Emanuel Cleaver (D-MO-5); Jim Costa (D-CA-21); Henry Cuellar (D-TX-28); Virginia Foxx (R-NC-5); Al Green (D-TX-9); Gwen Moore (D-WI-4); Debbie Wasserman Schultz (D-FL-25); Doris O. Matsui (D-CA-7); Gus M. Bilirakis (R-FL-12); Kathy Castor (D-FL-14); Steve Cohen (D-TN-9); Joe Courtney (D-CT-2); Henry C. "Hank" Johnson, Jr. (D-GA-4); Jim Jordan (R-OH-4); Adrian Smith (R-NE-3); Robert E. Latta (R-OH-5); Robert J. Wittman (R-VA-1); André Carson (D-IN-7); Steve Scalise (R-LA-1); Tim Walberg (R-MI-5); Brett Guthrie (R-KY-2); James A. Himes (D-CT-4); Chellie Pingree (D-ME-1); Paul Tonko (D-NY-20); Mike Quigley (D-IL-5); Judy Chu (D-CA-28); John Garamendi (D-CA-8); Bill Foster (D-IL-11); Eric A. "Rick" Crawford (R-AR-1); Scott DesJarlais (R-TN-4); Charles J. "Chuck" Fleischmann (R-TN-3); H. Morgan Griffith (R-VA-9); Bill Huizenga (R-MI-4); William R. Keating (D-MA-9); Mike Kelly (R-PA-16); Austin Scott (R-GA-8); Terri A. Sewell (D-AL-7); Daniel Webster (R-FL-11); Steve Womack (R-AR-3); Dina Titus (D-NV-1); Mark E. Amodei (R-NV-2); Suzanne Bonamici (D-OR-1); Suzan K. DelBene (D-WA-1); Andy Barr (R-KY-6); Joyce Beatty (D-OH-3); Ami Bera (D-CA-6); Julia Brownley (D-CA-26); Joaquin Castro (D-TX-20); Lois Frankel (D-FL-22); Richard Hudson (R-NC-9); Jared Huffman (D-CA-2); Hakeem S. Jeffries (D-NY-8); David P. Joyce (R-OH-14); Scott H. Peters (D-CA-50); Mark Pocan (D-WI-2); Raul Ruiz (D-CA-25); Mark Takano (D-CA-39); Juan Vargas (D-CA-52); Marc A. Veasey (D-TX-33); Ann Wagner (R-MO-2); Roger Williams (R-TX-25); Robin L. Kelly (D-IL-2); Jason Smith (R-MO-8); Katherine M. Clark (D-MA-5); Alma S. Adams (D-NC-12); Donald Norcross (D-NJ-1); Pete Aguilar (D-CA-33); Rick W. Allen (R-GA-12); Brian Babin (R-TX-36); Donald S. Beyer, Jr. (D-VA-8); Mike Bost (R-IL-12); Earl L. "Buddy" Carter (R-GA-1); Ed Case (D-HI-1); Mark DeSaulnier (D-CA-10); Debbie Dingell (D-MI-6); Tom Emmer (R-MN-6); Glenn Grothman (R-WI-6); J. French Hill (R-AR-2); Ted Lieu (D-CA-36); Barry Loudermilk (R-GA-11); John R. Moolenaar (R-MI-2); Dan Newhouse (R-WA-4); Gary J. Palmer (R-AL-6); David Rouzer (R-NC-7); Elise M. Stefanik (R-NY-21); Norma J. Torres (D-CA-35); Bonnie Watson Coleman (D-NJ-12); Bruce Westerman (R-AR-4); Bradley Scott Schneider (D-IL-10); David G. Valadao (R-CA-22); Trent Kelly (R-MS-1); Darin LaHood (R-IL-16); James Comer (R-KY-1); Dwight Evans (D-PA-3); Jodey C. Arrington (R-TX-19); Don Bacon (R-NE-2); Nanette Diaz Barragán (D-CA-44); Jack Bergman (R-MI-1); J. Luis Correa (D-CA-46); Brian K. Fitzpatrick (R-PA-1); Vicente Gonzalez (D-TX-34); Josh Gottheimer (D-NJ-5); Steven Horsford (D-NV-4); Pramila Jayapal (D-WA-7); Mike Johnson (R-LA-4); Ro Khanna (D-CA-17); Raja Krishnamoorthi (D-IL-8); David Kustoff (R-TN-8); Brian J. Mast (R-FL-21); Jimmy Panetta (D-CA-19); Jamie Raskin (D-MD-8); John H. Rutherford (R-FL-5); Darren Soto (D-FL-9); Ron Estes (R-KS-4); Jimmy Gomez (D-CA-34); Thomas R. Suozzi (D-NY-3); Troy Balderson (R-OH-12); Kevin Hern (R-OK-1); Mary Gay Scanlon (D-PA-5); James R. Baird (R-IN-4); Sean Casten (D-IL-6); Ben Cline (R-VA-6); Angie Craig (D-MN-2); Jason Crow (D-CO-6); Sharice Davids (D-KS-3); Madeleine Dean (D-PA-4); Veronica Escobar (D-TX-16); Lizzie Fletcher (D-TX-7); Russ Fulcher (R-ID-1); Sylvia R. Garcia (D-TX-29); Jesús G. "Chuy" García (D-IL-4); Lance Gooden (R-TX-5); Michael Guest (R-MS-3); Josh Harder (D-CA-9); Chrissy Houlahan (D-PA-6); Dusty Johnson (R-SD-AL); John Joyce (R-PA-13); Susie Lee (D-NV-3); Mike Levin (D-CA-49); Lucy McBath (D-GA-6); Daniel Meuser (R-PA-9); Carol D. Miller (R-WV-1); Joe Neguse (D-CO-2); Alexandria Ocasio-Cortez (D-NY-14); Ilhan Omar (D-MN-5); Chris Pappas (D-NH-1); Ayanna Pressley (D-MA-7); Guy Reschenthaler (R-PA-14); Kim Schrier (D-WA-8); Greg Stanton (D-AZ-4); Pete Stauber (R-MN-8); Bryan Steil (R-WI-1); Haley M. Stevens (D-MI-11); William R. Timmons IV (R-SC-4); Rashida Tlaib (D-MI-12); Lori Trahan (D-MA-3); Lauren Underwood (D-IL-14); Jefferson Van Drew (R-NJ-2); Claudia Tenney (R-NY-24); Gregory F. Murphy (R-NC-3); Ryan K. Zinke (R-MT-1); Jake Auchincloss (D-MA-4); Cliff Bentz (R-OR-2); Stephanie I. Bice (R-OK-5); Pat Fallon (R-TX-4); Randy Feenstra (R-IA-4); Cleo Fields (D-LA-6); Michelle Fischbach (R-MN-7); Scott Fitzgerald (R-WI-5); Scott Franklin (R-FL-18); Andrew R. Garbarino (R-NY-2); Carlos A. Gimenez (R-FL-28); Ashley Hinson (R-IA-2); Ronny Jackson (R-TX-13); Sara Jacobs (D-CA-51); Young Kim (R-CA-40); Teresa Leger Fernandez (D-NM-3); Nicole Malliotakis (R-NY-11); Tracey Mann (R-KS-1); Lisa C. McClain (R-MI-9); Mariannette Miller-Meeks (R-IA-1); Blake D. Moore (R-UT-1); Frank J. Mrvan (D-IN-1); Troy E. Nehls (R-TX-22); Jay Obernolte (R-CA-23); Burgess Owens (R-UT-4); August Pfluger (R-TX-11); Deborah K. Ross (D-NC-2); Victoria Spartz (R-IN-5); Marilyn Strickland (D-WA-10); Beth Van Duyne (R-TX-24); Nikema Williams (D-GA-5); Julia Letlow (R-LA-5); Troy A. Carter (D-LA-2); Melanie A. Stansbury (D-NM-1); Jake Ellzey (R-TX-6); Shontel M. Brown (D-OH-11); Mike Carey (R-OH-15); Mike Flood (R-NE-1); Brad Finstad (R-MN-1); Rudy Yakym III (R-IN-2); Mark Alford (R-MO-4); Becca Balint (D-VT-AL); Nikki Budzinski (D-IL-13); Greg Casar (D-TX-35); Juan Ciscomani (R-AZ-6); Gilbert Ray Cisneros, Jr. (D-CA-31); Mike Collins (R-GA-10); Jasmine Crockett (D-TX-30); Donald G. Davis (D-NC-1); Monica De La Cruz (R-TX-15); Christopher R. Deluzio (D-PA-17); Chuck Edwards (R-NC-11); Mike Ezell (R-MS-4); Valerie P. Foushee (D-NC-4); Maxwell Frost (D-FL-10); Russell Fry (R-SC-7); Robert Garcia (D-CA-42); Marie Gluesenkamp Perez (D-WA-3); Harriet M. Hageman (R-WY-AL); Erin Houchin (R-IN-9); Val T. Hoyle (D-OR-4); Wesley Hunt (R-TX-38); Glenn Ivey (D-MD-4); Jonathan L. Jackson (D-IL-1); Sydney Kamlager-Dove (D-CA-37); Jennifer A. Kiggans (R-VA-2); Kevin Kiley (I-CA-3); Nick LaLota (R-NY-1); Greg Landsman (D-OH-1); Nicholas A. Langworthy (R-NY-23); Michael Lawler (R-NY-17); Laurel M. Lee (R-FL-15); Summer L. Lee (D-PA-12); Seth Magaziner (D-RI-2); Richard McCormick (R-GA-7); Morgan McGarvey (D-KY-3); Robert Menendez (D-NJ-8); Max L. Miller (R-OH-7); Cory Mills (R-FL-7); Nathaniel Moran (R-TX-1); Jared Moskowitz (D-FL-23); Kevin Mullin (D-CA-15); Zachary Nunn (R-IA-3); Brittany Pettersen (D-CO-7); Delia C. Ramirez (D-IL-3); Andrea Salinas (D-OR-6); Hillary J. Scholten (D-MI-3); Eric Sorensen (D-IL-17); Dale W. Strong (R-AL-5); Emilia Strong Sykes (D-OH-13); Shri Thanedar (D-MI-13); Jill N. Tokuda (D-HI-2); Derrick Van Orden (R-WI-3); Gabe Vasquez (D-NM-2); Jennifer L. McClellan (D-VA-4); Gabe Amo (D-RI-1); Celeste Maloy (R-UT-2); Timothy M. Kennedy (D-NY-26); Vince Fong (R-CA-20); Michael A. Rulli (R-OH-6); Tony Wied (R-WI-8); Yassamin Ansari (D-AZ-3); Tom Barrett (R-MI-7); Nicholas J. Begich III (R-AK-AL); Wesley Bell (D-MO-1); Robert P. Bresnahan, Jr. (R-PA-8); Janelle S. Bynum (D-OR-5); Herbert C. Conaway, Jr. (D-NJ-3); Jeff Crank (R-CO-5); Maxine Dexter (D-OR-3); Troy Downing (R-MT-2); Sarah Elfreth (D-MD-3); Gabe Evans (R-CO-8); Julie Fedorchak (R-ND-AL); Shomari Figures (D-AL-2); Laura Friedman (D-CA-30); Laura Gillen (D-NY-4); Craig A. Goldman (R-TX-12); Maggie Goodlander (D-NH-2); Abraham J. Hamadeh (R-AZ-8); Mike Haridopolos (R-FL-8); Pat Harrigan (R-NC-10); Jeff Hurd (R-CO-3); Brian Jack (R-GA-3); Julie Johnson (D-TX-32); Mike Kennedy (R-UT-3); Brad Knott (R-NC-13); George Latimer (D-NY-16); Sam T. Liccardo (D-CA-16); Ryan Mackenzie (R-PA-7); John W. Mannion (D-NY-22); Sarah McBride (D-DE-AL); Kristen McDonald Rivet (D-MI-8); Addison P. McDowell (R-NC-6); John J. McGuire III (R-VA-5); Mark B. Messmer (R-IN-8); Dave Min (D-CA-47); Riley M. Moore (R-WV-2); Tim Moore (R-NC-14); Kelly Morrison (D-MN-3); Johnny Olszewski, Jr. (D-MD-2); Nellie Pou (D-NJ-9); Emily Randall (D-WA-6); Josh Riley (D-NY-19); Luz M. Rivas (D-CA-29); Derek Schmidt (R-KS-2); Jefferson Shreve (R-IN-6); Lateefah Simon (D-CA-12); Suhas Subramanyam (D-VA-10); David J. Taylor (R-OH-2); Derek Tran (D-CA-45); Eugene Simon Vindman (D-VA-7); George Whitesides (D-CA-27); Jimmy Patronis (R-FL-1); James R. Walkinshaw (D-VA-11); Adelita S. Grijalva (D-AZ-7); Matt Van Epps (R-TN-7); Christian D. Menefee (D-TX-18); Analilia Mejia (D-NJ-11); James Gallagher (R-CA-1).

Nay (32): Tom McClintock (R-CA-5); Andy Harris (R-MD-1); David Schweikert (R-AZ-1); Thomas Massie (R-KY-4); Scott Perry (R-PA-10); Warren Davidson (R-OH-8); Andy Biggs (R-AZ-5); Clay Higgins (R-LA-3); Ralph Norman (R-SC-5); Michael Cloud (R-TX-27); Tim Burchett (R-TN-2); Chip Roy (R-TX-21); W. Gregory Steube (R-FL-17); Lauren Boebert (R-CO-4); Kat Cammack (R-FL-3); Andrew S. Clyde (R-GA-9); Byron Donalds (R-FL-19); Diana Harshbarger (R-TN-1); Mary E. Miller (R-IL-15); Barry Moore (R-AL-1); Aaron Bean (R-FL-4); Eric Burlison (R-MO-7); Elijah Crane (R-AZ-2); Anna Paulina Luna (R-FL-13); Morgan Luttrell (R-TX-8); Keith Self (R-TX-3); Sheri Biggs (R-SC-3); Brandon Gill (R-TX-26); Mark Harris (R-NC-8); Robert F. Onder, Jr. (R-MO-3); Randy Fine (R-FL-6); Clay Fuller (R-GA-14).

Not voting (41): Jerrold Nadler (D-NY-12); Nydia M. Velázquez (D-NY-7); Gregory W. Meeks (D-NY-5); Janice D. Schakowsky (D-IL-9); Joe Wilson (R-SC-2); John R. Carter (R-TX-31); Michael T. McCaul (R-TX-10); Vern Buchanan (R-FL-16); Yvette D. Clarke (D-NY-9); Glenn Thompson (R-PA-15); Paul A. Gosar (R-AZ-9); Frederica S. Wilson (D-FL-24); Kweisi Mfume (D-MD-7); Grace Meng (D-NY-6); Randy K. Weber, Sr. (R-TX-14); Brendan F. Boyle (D-PA-2); Seth Moulton (D-MA-6); Salud O. Carbajal (D-CA-24); Neal P. Dunn (R-FL-2); Adriano Espaillat (D-NY-13); Lloyd Smucker (R-PA-11); Joseph D. Morelle (D-NY-25); Marlin A. Stutzman (R-IN-3); Dan Crenshaw (R-TX-2); Jared F. Golden (D-ME-2); Jahana Hayes (D-CT-5); John W. Rose (R-TN-6); Thomas P. Tiffany (R-WI-7); Nancy Mace (R-SC-1); Maria Elvira Salazar (R-FL-27); Ritchie Torres (D-NY-15); Patrick Ryan (D-NY-18); Josh Brecheen (R-OK-2); Daniel S. Goldman (D-NY-10); John James (R-MI-10); Thomas H. Kean, Jr. (R-NJ-7); Andrew Ogles (R-TN-5); LaMonica McIver (D-NJ-10); Michael Baumgartner (R-WA-5); Adam Gray (D-CA-13); April McClain Delaney (D-MD-6).

Not in office (14): Everton Blair Jr. (D-GA-13); Aisha Wahab (D-CA-14); David Scott (D-GA-13); Raúl M. Grijalva (D-AZ-7); Gerald E. Connolly (D-VA-11); Eric Swalwell (D-CA-14); Doug LaMalfa (R-CA-1); Mikie Sherrill (D-NJ-11); Mark E. Green (R-TN-7); Michael Waltz (R-FL-6); Tony Gonzales (R-TX-23); Marjorie Taylor Greene (R-GA-14); Sheila Cherfilus-McCormick (D-FL-20); Sylvester Turner (D-TX-18).

Summary

Main subject: 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. Title II, Title III, Title V, Title IX

Its 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.

Unexpected Items: 27 provisions

These provisions fall outside the bill’s main subject or apply narrowly. This describes the text; it is not a judgment.

Not related to the bill’s main subject (15)

Sec. 101: Reforms to housing counseling and financial literacy programs: 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.
Sec. 106: Temperature Sensor Pilot Program: 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.
Sec. 202: Whole-Home Repairs Act: 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.
Sec. 212: Rental Assistance Demonstration Program: 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.
Sec. 404: Helping More Families Save Act: 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.
Sec. 405: Choice in Affordable Housing Act: 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.
Sec. 503: Incentivizing local solutions to homelessness: 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.
Sec. 505: New Moving to Work cohort: 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.
Sec. 602: Housing Unhoused Disabled Veterans Act: 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.
Sec. 701: Requiring annual testimony and oversight from housing regulators: 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.
Sec. 703: United States Interagency Council on Homelessness oversight: 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.
Sec. 803: Improving self-sufficiency of families in HUD-subsidized housing: 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.
Sec. 804: GAO studies: 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.
Sec. 805: Improving public housing agency accountability: 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.
Sec. 906: Advancing the mentor-protégé program for small financial institutions: 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. ($50,000,000,000)

Different amount for specific places or groups (2)

Sec. 213: Build Now Act: 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.
Sec. 209: Accelerating Home Building Act: 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.

Exception or delay for a subset (10)

Sec. 103: Exemption on construction or modification of residential housing located on an infill site: Exempts Department of Agriculture assistance for building or modifying housing on infill sites from any required study or report on environmental effects.
Sec. 403: Appraisal Industry Improvement Act: 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.
Sec. 501: HOME Investment Partnerships Reauthorization and Reform Act: 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. ($3,000,000)
Sec. 502: Rural Housing Service Reform Act: 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.
Sec. 908: Promoting new bank formation: 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. ($10,000,000,000)
Sec. 1001: Homes are for people, not corporations: 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.
Sec. 201: Increasing housing in opportunity zones: Lets HUD give additional weight in competitive housing grants to applicants whose projects are in or directly benefit a qualified opportunity zone.
Sec. 301: Housing Supply Expansion Act: Sets the deadline for the initial State manufactured home certification at 1 year after enactment, but gives States whose legislatures meet biennially 2 years.
Sec. 205: Better Use of Intergovernmental and Local Development (BUILD) Housing Act: 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.
Sec. 206: Unlocking Housing Supply Through Streamlined and Modernized Reviews Act: 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.

What it does

Sec. 213: 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.
Sec. 301: 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.
Sec. 501: 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.
Sec. 206: Requires HUD to reclassify listed housing activities, such as tenant-based rental assistance and infill projects, under environmental review exemption and categorical exclusion regulations.
Sec. 504: 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.
Sec. 212: Amends the Rental Assistance Demonstration language by replacing the end date of September 30, 2029 and changing the number 455,000 to 555,000.
Sec. 1001: 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.
Sec. 1101: 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.
Sec. 202: 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.
Sec. 211: 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.

Written automatically from the official text by Claude Sonnet 5.5, an AI model. Written 2 Oct 2026 and published after the automatic checks, without a person reading it first. Every line names the section it came from.

Changed after House passage

Compares the bill as passed by the House, 9 Feb 2026, with the final text passed by both chambers. About 66% of the wording the House passed stands in the final text.

Removed before the final vote (5)

Sec. 202: Community Development Fund Amendments: 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.
Sec. 603: Supervisory Modifications for Appropriate Risk-based Testing: 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.
Sec. 607: Least cost exception: 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.
Sec. 608: Failing Bank Acquisition Fairness: 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.
Sec. 613: Discretionary Surplus Fund: Reduces the dollar amount specified under section 7(a)(3)(A) of the Federal Reserve Act by $115,000,000, effective September 30, 2035.

Added after House passage (21)

Sec. 201: Increasing housing in opportunity zones: 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.
Sec. 208: Innovation Fund: 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.
Sec. 212: Rental Assistance Demonstration Program: 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.
Sec. 213: Build Now Act: 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.
Sec. 302: Modular Housing Production Act: 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.
Sec. 303: Property Improvement and Manufactured Housing Loan Modernization Act: 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.
Sec. 304: PRICE Act: 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.
Sec. 401: Creating incentives for small-dollar loan originators: 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.
Sec. 402: Small-dollar mortgage points and fees: 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.
Sec. 403: Appraisal Industry Improvement Act: 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.
Sec. 502: Rural Housing Service Reform Act: 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.
Sec. 503: Incentivizing local solutions to homelessness: 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.
Sec. 505: New Moving to Work cohort: 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.
Sec. 603: Veterans Affairs Loan Informed Disclosure (VALID) Act: 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.
Sec. 702: FHA reporting requirements on safety and soundness: 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.
Sec. 703: United States Interagency Council on Homelessness oversight: 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.
Sec. 704: Appraisal Modernization Act: 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.
Sec. 803: Improving self-sufficiency of families in HUD-subsidized housing: 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.
Sec. 1101: Central bank digital currency: 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.
Sec. 1201: Severability: 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.
Sec. 1202: No additional funds authorized: States that no additional funds are authorized to be appropriated to carry out the requirements of the Act or any amendment made by it.