Housing (Housing Finance)

in committee · United States · House Feb 11, 2026

HR 7504: Housing for America’s Middle Class Act of 2026

This bill directs the Comptroller General to conduct a comprehensive study on housing affordability challenges facing middle-income American families. The report will identify specific geographic areas where housing is most unaffordable for these households and examine existing federal programs that currently exclude middle-income families from benefits available to lower-income groups. Additionally, the study will analyze how to define workforce housing based on income parameters and provide recommendations for expanding federal housing assistance to include middle-income households. The legislation focuses on gathering data and making policy recommendations rather than implementing immediate changes to housing programs.

Topics ✓ HousingSupports HousingBill directs study on housing affordability for middle-income families and examines federal programs to include them, indicating intent to strengthen housing access.75% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · Senate Mar 3, 2026

S 3969: Improving Housing Access Act

This bill directs the Comptroller General of the United States to conduct a study on ways to improve housing options for elderly and disabled individuals. The study will examine potential barriers to housing access and analyze the effects of providing capital advances to two specific federal housing programs: the Section 202 program for elderly supportive housing and the Section 811 program for disabled persons. The report must be completed within one year of the bill's enactment and will focus on identifying practical solutions rather than implementing new policies.

Topics ✓ HousingSupports HousingBill directs study to identify options to remove barriers and improve housing for elderly and disabled persons, indicating intent to strengthen housing access for vulnerable populations.85% confidence

Sub-Topics Affordable Housing Historic Preservation Housing Finance Tags People with Disabilities Seniors

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in committee · United States · House Mar 9, 2026

HR 7869: RAD Conversion Continuity Act

This bill allows public housing projects that have already received approval for their housing plans to keep that approval when they convert to the Rental Assistance Demonstration program. It directly affects public housing authorities managing projects under this federal housing initiative. The key provision ensures that existing plan approvals remain valid after conversion, while requiring projects to continue following any original terms and conditions and complete the same certification process they initially underwent. This measure aims to streamline the conversion process by eliminating the need to re-approve housing plans that were already cleared.

Topics ✓ HousingSupports HousingBill preserves existing housing plan approvals for public housing projects converting to Rental Assistance Demonstration, protecting affordable housing continuity and preventing disruption to existing housing programs.85% confidence

Sub-Topics Historic Preservation Housing Finance Renters

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in committee · United States · House Mar 4, 2026

HR 7791: To authorize the Secretary of Housing and Urban Development to prioritize the award of certain housing grants to applicants located in, or serving, low-income communities.

This bill directs the U.S. Department of Housing and Urban Development to give extra priority when awarding certain housing construction and renovation grants to projects in or benefiting low-income opportunity zones. It allows HUD officials to consider an applicant's location in a qualified opportunity zone as a positive factor during the competitive grant selection process. The legislation applies to grants related to building, modifying, or preserving housing and would affect developers and organizations seeking federal housing funding in designated areas. By giving additional weight to these projects, the bill aims to channel more federal housing resources toward communities identified as opportunity zones under existing tax law.

Topics ✓ HousingSupports HousingBill directs HUD to prioritize grants for housing projects in low-income communities, directly funding and strengthening affordable housing initiatives.95% confidence

Sub-Topics Affordable Housing Community Development Housing Finance

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in committee · United States · Senate Mar 2, 2026

S 3962: Housing and Economic Development Act

This bill requires the Department of Housing and Urban Development and the Economic Development Administration to create an agreement to better coordinate their joint housing and economic development projects. The agreement would streamline application processes, standardize language in funding notices, reduce duplicate reporting requirements, and establish clear contact points for applicants. Additionally, the two agencies must share research and market data to support evidence-based decision-making. Within one year of enactment, the agencies must submit a report to Congress with recommendations for further improving their collaboration and removing barriers to joint projects.

Topics ✓ HousingSupports HousingBill improves interagency coordination between HUD and EDA to streamline housing and economic development processes, enhancing housing program efficiency.75% confidence

Sub-Topics Affordable Housing Community Development Housing Finance Tags Economic Development

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in committee · United States · Senate May 22, 2025

S 1880: CDFI Bond Guarantee Program Improvement Act of 2025

This bill amends the CDFI Bond Guarantee Program to improve its operation. It raises the minimum guarantee amount to $25 million per bond issue, sets an annual cap of $1 billion for all guarantees, and extends the program's deadline by four years from enactment. The changes aim to provide more predictable access to long-term capital for Community Development Financial Institutions (CDFIs) serving underserved communities. The bill also requires the Treasury Secretary to submit two reports on the program's effectiveness to Congress within one and three years of enactment.

Topics ✓ Budget & TaxesSupports Budget & TaxesAmends CDFI bond program to increase capital access for underserved communities, aligning with funding essential community development programs.85% confidence ✓ HousingSupports HousingAmends CDFI program to boost capital access for affordable housing projects in underserved communities via bond guarantees95% confidence

Sub-Topics Community Development Housing Finance Property Development

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in committee · United States · House Jan 31, 2025

HR 893: Working Families Housing Tax Credit Act

The Working Families Housing Tax Credit Act creates a new tax credit to encourage the development of housing for working families, specifically targeting teachers, firefighters, police officers, veterans, and other hard-working Americans. It provides tax credits equal to 50% of the qualified basis for new buildings or 60% for rehabilitated buildings, with requirements that 40% or more of units be rent-restricted for households earning up to 180% of area median income. The credit period lasts 15 years, and buildings must maintain working families housing for at least 15 years after the credit period through a binding "extended working families housing commitment." The bill also authorizes $100 million in grants and loans for infrastructure projects in rural and exurban areas supporting qualified housing developments.

Topics ✓ Budget & TaxesSupports Budget & TaxesCreates tax credit for affordable housing development targeting low/middle-income households, providing tax relief via 50-60% credit rates for developers.95% confidence ✓ HousingSupports HousingCreates tax credits for affordable housing development targeting low-income households with 40% rent-restricted units, directly advancing affordable housing goals.95% confidence ✓ Labor & EmploymentSupports Labor & EmploymentTargets housing for working families (teachers, firefighters, etc.) with rent restrictions for households earning up to 180% AMI, supporting affordable housing access for low-to-moderate wage workers.80% confidence ✓ VeteransSupports VeteransBill explicitly targets veterans as a qualifying group for housing tax credits, providing direct housing benefits through rent-restricted units.95% confidence

Sub-Topics Tax Credits Tax Incentives Affordable Housing Historic Preservation Housing Finance Veteran Housing Tags Rural Communities

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in committee · United States · House Nov 19, 2025

HR 6125: Housing Financial Literacy Act of 2025

The Housing Financial Literacy Act of 2025 modifies mortgage insurance premiums for first-time homebuyers who complete approved financial literacy counseling programs. It requires that such counseling be completed before signing a mortgage application or sales agreement. The bill reduces the mortgage insurance premium by 25 basis points (0.25%) below the standard rate established by the Secretary of Housing and Urban Development. This change directly affects first-time homebuyers who participate in qualifying housing counseling programs.

Topics ✓ HousingSupports HousingReduces mortgage insurance premiums for first-time homebuyers, lowering homeownership costs and directly advancing affordable housing access.95% confidence

Sub-Topics Homeownership Housing Finance Mortgages

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in committee · United States · House Dec 9, 2025

HR 6511: Affordable Homeownership Access Act

The Affordable Homeownership Access Act exempts small property owners who provide direct financing (owner financing) from certain mortgage licensing requirements if they make no more than 24 loans per year for properties they own. It also amends federal definitions to exclude these owner financers from "mortgage originator" rules, requiring loans to be fully amortizing, have reasonable interest rate caps, and include buyer ability-to-pay assessments. The bill mandates a study by HUD and Treasury on owner financing usage - particularly for homes under $150,000 or 60% of local median value - to evaluate its potential to boost homeownership and wealth creation in underserved communities.

Topics ✓ HousingSupports HousingExempts small property owners from licensing, enabling owner financing for affordable homeownership with buyer protections. Mandates HUD study to improve access.95% confidence

Sub-Topics Homeownership Housing Finance Mortgages

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in committee · United States · House Aug 15, 2025

HR 4989: Streamlining Rural Housing Act of 2025

HR 4989, the Streamlining Rural Housing Act of 2025, requires the Departments of Housing and Urban Development (HUD) and Agriculture (USDA) to simplify coordination for rural housing projects funded by both agencies. Within 180 days, they must create a memorandum of understanding to evaluate environmental review processes, designate a lead agency for efficiency, and maintain existing environmental standards. The bill establishes an advisory group with housing stakeholders - including nonprofits, developers, and residents - to guide implementation. It mandates a report within one year with recommendations to improve project efficiency without reducing resident safety, shifting long-term costs, or undermining environmental standards. This bill directly affects rural housing projects funded by HUD or USDA by targeting bureaucratic delays in approvals.

Topics ✓ HousingSupports HousingBill streamlines HUD/USDA coordination for rural housing projects, facilitating development without reducing funding or protections.80% confidence

Sub-Topics Affordable Housing Housing Finance Property Development Tags Rural Communities

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