Housing (Housing Finance)

in committee · United States · House Nov 20, 2025

HR 6228: Unlocking Affordable Housing Act

This bill modifies eligibility rules for two federal loan programs (TIFIA and RRIF) to better accommodate residential and mixed-use development projects. It requires that such projects meet creditworthiness standards jointly determined by the Transportation and Housing and Urban Development secretaries, ensuring standards protect program finances while aligning with HUD's existing housing requirements. The changes apply to projects seeking loans under these programs after a 180-day effective date. The bill does not create new funding but adjusts how housing projects qualify for existing federal loan assistance.

Topics ✓ HousingSupports HousingBill modifies loan programs to better accommodate residential development, aligning with HUD housing requirements to advance affordable housing.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · House Oct 24, 2025

HR 5824: Tribal Affordable Housing Act

HR 5824, the Tribal Affordable Housing Act, creates a new HUD grant program to help Native American tribes build or improve housing on tribal lands. It allocates $150 million annually starting in 2026 for competitive grants to tribes or tribal housing entities that historically received under $500,000 in HUD funding. Grants fund either new residential units or necessary improvements (like repairs or additions) to existing units. The program operates under existing rules from the 1996 Native American Housing Act.

Topics ✓ HousingSupports HousingBill creates $150M annual grant program to fund tribal housing construction/improvements, directly increasing affordable housing access for Native American communities.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance Tags Tribal Nations

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in committee · United States · House Jul 22, 2025

HR 4576: Build More Housing Near Transit Act of 2025

This bill amends federal transit grant rules to incentivize local housing policies near transit. It defines "pro-housing policies" as actions removing regulatory barriers (like eliminating parking minimums or streamlining approvals for multi-family housing) and adds a 1-point scoring boost in grant evaluations for projects demonstrating such policies within walking distance of transit. Local governments and developers seeking federal transit capital grants can earn this boost by documenting these policies, with HUD consulted to assess expected housing outcomes. The policy directly affects how transit projects are scored for funding, aiming to align housing production with transit access.

Topics ✓ HousingSupports HousingIncentivizes removal of regulatory barriers (e.g., parking minimums) for multi-family housing near transit, directly promoting housing development.95% confidence ✓ TransportationSupports TransportationIncentivizes housing near transit via grant scoring boosts, promoting transit-oriented development and sustainable transportation use.95% confidence

Sub-Topics Affordable Housing Housing Finance Zoning Electric Vehicles Public Transit Rail

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in committee · United States · Senate Dec 2, 2025

S 3309: Building Housing for the American Dream Act

This bill amends the EB-5 immigrant investor visa program to prioritize housing projects. It redefines "housing project" to include rental housing or homes for purchase as primary residences and directs U.S. Citizenship and Immigration Services to prioritize processing applications for such projects, especially those using federal housing programs like Section 42 tax credits or HOME funds. The bill requires annual reports from Homeland Security on housing-related EB-5 applications and impacts, and mandates a GAO review after three years to assess whether the changes increase immigrant investment in housing. It does not change visa quotas or create new funding but streamlines processing for housing-focused investments.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill prioritizes EB-5 applications using Section 42 tax credits, directly supporting existing housing tax credit programs and fiscal mechanisms for affordable housing.85% confidence ✓ HousingSupports HousingPrioritizes EB-5 visa processing for housing projects including rental/purchase, especially using federal affordable housing programs like Section 42 tax credits.95% confidence ✓ ImmigrationSupports ImmigrationAmends EB-5 visa program to prioritize housing projects, directing USCIS to expedite processing for housing investments, directly advancing immigrant investor pathways.95% confidence

Sub-Topics Affordable Housing Housing Finance Renters Citizenship & Naturalization DACA & Dreamers

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in committee · United States · Senate Nov 10, 2025

S 3169: UNLOCK Housing Act

The UNLOCK Housing Act (S 3169) updates federal housing law to expand eligibility for existing funding. It allows metropolitan cities, counties, states, local governments, insular areas, and tribes receiving Section 106 housing funds to build new residential housing for low- and moderate-income people. This change applies directly to jurisdictions already managing federal housing assistance programs. The bill adds this specific housing type as an approved use of funds, without requiring nonprofit partnerships, making it easier to develop affordable housing options.

Topics ✓ HousingSupports HousingExpands Section 106 funding eligibility for new low/moderate-income housing construction, directly advancing affordable housing access.95% confidence

Sub-Topics Affordable Housing Historic Preservation Housing Finance

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in committee · United States · House Mar 31, 2025

HR 2494: To direct the Secretary of Housing and Urban Development to annually submit to the Congress a report that analyzes State and local strategies, activities, and plans that promote affordable housing, and for other purposes.

HR 2494 requires the U.S. Department of Housing and Urban Development (HUD) to annually submit a report to Congress analyzing state and local strategies for promoting affordable housing. The bill directs HUD to use data from the existing regulatory barriers clearinghouse - which tracks state/local housing policies - to assess which approaches are working. The report must include an analysis of these strategies and specific policy recommendations Congress could use to support effective state and local efforts. This directly affects states and local governments by requiring them to provide data for the analysis, while Congress receives actionable insights to inform federal housing policy. The bill focuses on gathering and sharing existing state-level solutions rather than creating new federal mandates.

Topics ✓ HousingSupports HousingMandates HUD to analyze state/local strategies promoting affordable housing and provide policy recommendations to Congress for supporting effective approaches.95% confidence

Sub-Topics Affordable Housing Historic Preservation Housing Finance

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in committee · United States · Senate Aug 1, 2025

S 2668: HOME Act of 2025

The HOME Act of 2025 establishes a framework for addressing "unconscionable pricing" of residential rentals and single-family housing during declared affordable housing crises. It prohibits landlords and sellers from charging prices that are "unconscionably excessive" during these crisis periods, which HUD could declare based on specific economic indicators like median home prices, household income, and mortgage rates. The bill creates a new Housing Monitoring and Enforcement Unit within HUD to collect housing market data, investigate potential market manipulation, and enforce the prohibitions using mechanisms similar to those employed by the Federal Trade Commission. It also requires HUD to investigate housing market practices, submit reports to Congress, and deposit penalties into the Housing Trust Fund to support affordable housing for low-income families. The law would give HUD authority to intervene in housing markets during declared crises while maintaining existing state enforcement options.

Topics ✓ HousingSupports HousingProhibits unconscionable rent pricing during housing crises, creating HUD enforcement to protect tenants and advance affordability.95% confidence

Sub-Topics Affordable Housing Housing Finance Tenant Rights

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in committee · United States · Senate Jul 28, 2025

S 2489: Modular Housing Production Act

The Modular Housing Production Act requires the Secretary of Housing and Urban Development to review Federal Housing Administration (FHA) construction financing programs and identify barriers preventing modular home developers from using these programs, such as restrictive payment schedules for construction. Within one year, the Secretary must publish a report with recommendations to remove these barriers, followed by a rulemaking process to establish an alternative payment schedule for modular home financing, including public input. The bill also authorizes a grant to study a standardized code for modular homes to improve design coordination and financing alignment. This legislation aims to streamline access to FHA financing for modular home developers without changing existing housing standards.

Topics ✓ HousingSupports HousingRemoves FHA financing barriers for modular home developers to increase affordable housing production through streamlined construction financing.95% confidence

Sub-Topics Housing Finance Mortgages Property Development

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in committee · United States · Senate Jul 31, 2025

S 2638: Energy Efficiency for Affordable Housing Act

This bill increases tax credits for affordable housing developers who improve energy efficiency in existing buildings. It adds a 30% credit boost (to 130% of rehabilitation costs) for buildings meeting specific energy standards, either by adopting a government-determined advanced construction standard or using a certified retrofit plan that reduces energy use by 50% or more. Buildings in high-cost areas qualify for an additional 30% boost (to 160% of costs) if they meet these standards. The changes apply to housing credit allocations after December 31, 2025, with specific rules for bond-financed projects.

Topics ✓ Budget & TaxesSupports Budget & TaxesIncreases tax credits for affordable housing developers meeting energy standards, providing tax relief and promoting fiscal responsibility through targeted incentives.95% confidence ✓ EnergySupports EnergyBill increases tax credits for energy efficiency retrofits in affordable housing, directly promoting reduced energy use and meeting efficiency standards per its summary.95% confidence ✓ EnvironmentSupports EnvironmentBill incentivizes 50%+ energy reduction in housing via tax credits, directly reducing emissions and promoting efficiency per its energy standards requirements.95% confidence ✓ HousingSupports HousingIncreases tax credits for affordable housing developers meeting energy standards, directly funding housing development and affordability through enhanced financial incentives.95% confidence

Sub-Topics Energy Efficiency Affordable Housing Historic Preservation Housing Finance

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in committee · United States · House Feb 3, 2026

HR 7326: ABODE Act

HR 7326 (ABODE Act) creates a grant program to fund the development or rehabilitation of affordable housing. It directs the Department of Housing and Urban Development (HUD) to award grants to organizations building or rehabbing single- and multi-family homes for households earning 50% or less of the area median income. Projects must prioritize reducing costs, improving energy efficiency, enhancing accessibility for people with disabilities, and using resilient designs. HUD will require grantees to build a set number of homes meeting these standards before receiving full payment, and must report results to Congress within two years.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill creates HUD grant program funding affordable housing development, directly allocating government funds for public service as part of fiscal management.95% confidence ✓ EnergySupports EnergyBill explicitly requires projects to 'improve energy efficiency' as a priority, directly supporting energy efficiency measures in housing development.95% confidence ✓ EnvironmentSupports EnvironmentBill mandates energy efficiency and resilient designs in affordable housing, which reduces environmental impact and promotes sustainable building practices.75% confidence ✓ HousingSupports HousingBill creates HUD grant program for affordable housing development targeting 50% AMI households, prioritizing cost reduction, accessibility, and energy efficiency.95% confidence

Sub-Topics Energy Efficiency Affordable Housing Homeownership Housing Finance

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