Housing across the country

in committee · Michigan · House Jul 14, 2026

HB 6177: Financial institutions: mortgage brokers and lenders; residential mortgage licensing and supervision act; establish. Creates new act & repeals (See bill).

HB 6177 establishes the Residential Mortgage Licensing and Supervision Act to create a comprehensive regulatory framework for mortgage brokers, lenders, servicers, and loan originators in Michigan. The bill mandates that these entities and their key personnel obtain state licenses while prohibiting specific unethical conduct related to residential loans. It empowers the Department of Insurance and Financial Services to enforce rules, impose penalties, and appoint conservators when necessary, and it creates a new advisory board to oversee the industry. Additionally, the legislation defines various roles and exemptions to clarify who must be licensed versus who is exempt from these requirements.

Topics ✓ HousingSupports HousingBill establishes a regulatory framework to prevent unethical conduct in residential loans, protecting consumers and stabilizing the housing market.85% confidence

Sub-Topics Mortgages

Sponsor Mark Tisdel (R)

Track

in committee · Michigan · House Jul 14, 2026

HB 6192: Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in the debt management act. Amends sec. 8a of 1975 PA 148 (MCL 451.418a). TIE BAR WITH: HB 6177'26

HB 6192 amends Michigan's Debt Management Act to strengthen the state director's authority to investigate and punish mortgage brokers and lenders who engage in fraud. The bill allows the director to issue immediate suspensions or permanent prohibitions against individuals found guilty of fraud, dishonesty, or felony convictions involving financial misconduct. It establishes a formal process where accused individuals receive written notice, have the right to a hearing within 60 days, and can apply to have an order lifted after five years. Additionally, the law clarifies that violating a final prohibition order is a misdemeanor punishable by up to one year in jail or a fine of $5,000. This legislation is tied to another bill, HB 6177, and will only become effective if that companion bill is also passed.

Topics ✓ Criminal JusticeSupports Criminal JusticeBill strengthens oversight and enforcement against financial fraud, protecting victims and enhancing accountability within the justice system.75% confidence ✓ HousingSupports HousingBill strengthens fraud enforcement for mortgage brokers, protecting consumers and promoting housing market integrity.75% confidence

Sub-Topics Corrections Mortgages

Sponsor Steve Frisbie (R) · 3 co-sponsors

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in committee · Michigan · House Jul 14, 2026

HB 6179: Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in the Stille-DeRossett-Hale single state construction code act. Amends sec. 9c of 1972 PA 230 (MCL 125.1509c). TIE BAR WITH: HB 6177'26

This bill allows cities in Michigan to deny building permits, certificates of use and occupancy, or variances to individuals who owe unpaid fines or assessments related to local construction code enforcement. However, the law explicitly exempts certain entities from these penalties, including government-sponsored housing groups, financial institutions, credit union service organizations, and licensed mortgage servicers. Additionally, the bill ensures that permits cannot be denied if the proposed construction work is intended to fix the specific code violation that caused the original fine. The legislation will only take effect if a companion bill, HB 6177, is also passed into law.

Topics ✗ HousingOpposes HousingBill restricts housing development by allowing permit denials for unpaid fines, though it exempts some entities.85% confidence

Sub-Topics Building Codes Mortgages

Sponsor Bill Schuette (R) · 1 co-sponsor

Track

in committee · Michigan · House Jul 14, 2026

HB 6186: Financial institutions: mortgage brokers and lenders; consolidation of certain licensing statutes related to residential mortgages; make conforming changes in 1966 PA 326. Amends sec. 1c of 1966 PA 326 (MCL 438.31c). TIE BAR WITH: HB 6177'26

HB 6186 amends Michigan's existing mortgage interest laws to clarify and update rules regarding rates and fees for residential loans. The bill primarily affects lenders, mortgage brokers, and borrowers by reinforcing restrictions on prepayment penalties, limiting upfront fees, and capping interest rates at 11% per annum for certain types of loans, such as those made by unqualified lenders or second mortgages. It also ensures that interest is calculated only on unpaid balances and prohibits interest from being added or deducted in advance. By updating the 1966 statute, the legislation aims to maintain consumer protections while aligning the law with current lending practices.

Topics ✓ HousingSupports HousingBill protects borrowers by capping interest rates and limiting fees, preventing predatory lending that threatens housing stability.85% confidence

Sub-Topics Mortgages

Sponsor Bill Schuette (R) · 1 co-sponsor

Track

passed · Massachusetts · House Jul 6, 2026

H 5552: An Act releasing certain land use restrictions held by the commonwealth in the city of Revere

This bill allows the state of Massachusetts to remove specific land use restrictions on a parcel in Revere, enabling the current owner to develop the property more freely. Under the legislation, the owner must pay the state the full market value of these restrictions, which will be determined by an independent appraisal reviewed by the Inspector General. As a condition of the release, at least 10 percent of any new housing units built on the land must be affordable for households earning up to 80 percent of the area's median income for a period of 20 years. The bill also requires the owner to cover all costs related to the legal and engineering work needed to finalize the land transfer.

Topics ✓ HousingSupports HousingBill mandates 10% of new units be affordable, directly advancing affordable housing goals.90% confidence

Sub-Topics Land Use

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in committee · Massachusetts · House Jul 8, 2026

H 5560: An Act creating the engaging neighborhoods, organizations, unions, governments and households fund ("The ENOUGH Act")

This bill creates the ENOUGH Fund to support collaborative efforts aimed at reducing poverty in Massachusetts's most distressed neighborhoods. The fund will be administered by the Executive Office of Housing and Livable Communities and can be financed through state appropriations, donations, and interest earnings. It provides grants to place-based partnerships involving schools, local governments, and non-profits to develop comprehensive strategies that address needs such as housing, health, education, and job access. Eligible communities must have high concentrations of low-income residents or children living in poverty to qualify for these grants. The program includes specific funding tracks for partnership development, planning, and long-term implementation to ensure sustained community improvement.

Topics ✓ HousingSupports HousingBill creates a fund to address housing needs in distressed neighborhoods through collaborative partnerships.90% confidence

Sub-Topics Community Development Property Development

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in committee · Massachusetts · House Jul 22, 2026

H 5594: An Act significantly alleviating poverty

This bill mandates that shelters, schools, and correctional facilities provide free menstrual products to individuals who menstruate without stigmatizing them. It also increases cash assistance for low-income families by raising monthly benefit standards to 50 percent of the federal poverty level and adding specific allowances for rent, clothing, and children. Additionally, the legislation introduces a $50 monthly rental allowance and a one-time $500 clothing allowance for eligible children, while expanding transitional aid for pregnant individuals without dependent children. The bill further clarifies that child support payments collected from recipients must be paid directly to the family and outlines specific circumstances under which individuals may be exempt from cooperating with child support enforcement agencies.

Topics ✓ HousingSupports HousingBill introduces a $50 monthly rental allowance and increases cash assistance for low-income families, directly aiding housing affordability.85% confidence

Sub-Topics Renters

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in committee · Massachusetts · Senate Jul 13, 2026

SD 4041: An Act relative to transit planning and anti-displacement protections

By Ms. Miranda, a petition (accompanied by bill) (subject to Joint Rule 12) of Liz Miranda for legislation relative to transit planning and anti-displacement protections. Housing.

Topics ✓ HousingSupports HousingBill title explicitly includes 'anti-displacement protections,' which directly supports tenant rights and affordable housing stability.85% confidence ✓ TransportationSupports TransportationBill focuses on transit planning and anti-displacement protections, directly advancing public transit infrastructure and policy.85% confidence

Sub-Topics Tenant Rights Zoning Public Transit

Sponsor Liz Miranda (D)

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signed · Massachusetts · House Aug 6, 2026

H 5629: An Act enhancing child welfare protections

This bill strengthens child welfare protections by creating a statewide network of community-based services and family resource centers designed to help families avoid entering the child protective system. The legislation requires the Secretary of Health and Human Services to establish these centers, which will offer a wide range of support including mental health care, substance use treatment, housing assistance, and educational services. Key provisions mandate the use of standardized screening tools to assess family needs and the creation of a data system to track service gaps and outcomes while maintaining client privacy. Additionally, the bill defines specific terms such as "chronic absenteeism" and "family requiring assistance" to guide how these resources are allocated to children and parents at risk of legal involvement.

Topics ✓ HealthcareSupports HealthcareBill mandates creation of centers offering mental health care and substance use treatment, directly advancing healthcare access and services.85% confidence ✓ HousingSupports HousingBill mandates housing assistance as a core service in family resource centers to prevent child welfare system entry.85% confidence

Sub-Topics Mental Health

introduced · Massachusetts · House Jul 6, 2026

HD 5824: A monthly report of the Executive Office of the Trial Court (under Section 15(c) of Chapter 239 of the General Laws) submitting its report on filings, actions, and dispositions of summary process cases relative to permanent rental protections

This bill requires the Executive Office of the Trial Court to submit a monthly report detailing the number of summary process cases involving permanent rental protections. The report will track filings, actions, and dispositions of these cases to provide data on how often landlords use eviction proceedings to remove tenants with such protections. By collecting this information regularly, the bill aims to increase transparency regarding the frequency and handling of these specific legal matters. The measure directly affects the trial court's administrative reporting processes and does not alter the underlying laws governing rental protections.

Topics ✓ HousingSupports HousingBill increases transparency on eviction cases involving permanent rental protections, aiding tenant rights and housing stability.85% confidence

Sub-Topics Tenant Rights

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