Housing (Homeownership)

in committee · United States · House Mar 24, 2026

HR 8047: Promoting Resident Ownership of Manufactured Home Communities Act

This bill creates a federal grant program to help states, tribes, and local governments establish policies that allow residents of manufactured home communities to purchase their communities. The program requires recipients to use at least 25% of grant funds for land and infrastructure and to adopt model laws that mandate owners notify residents before selling, giving residents the right to match the sale price and negotiate terms. Eligible entities must demonstrate that their policies provide residents with meaningful opportunities to buy communities, with specific protections against retaliation and requirements that sale offers be available to all potential buyers. The legislation defines eligible owners as government entities, nonprofits, and resident cooperatives, while exempting certain family transfers and internal business transactions from the purchase opportunity requirements.

Topics ✓ HousingSupports HousingBill creates federal grants to help residents purchase manufactured home communities, strengthens tenant protections, and funds housing programs to promote resident ownership.92% confidence

Sub-Topics Community Development Homeownership

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in committee · United States · Senate Mar 26, 2026

S 4241: Boosting Housing Supply through Small Businesses Act of 2026

This bill directs the Small Business Administration and the Department of Housing and Urban Development to work together to help small businesses in the housing industry, such as homebuilders, contractors, and property managers. The agencies must create a joint plan within 180 days to identify gaps in financial and technical assistance and propose ways to expand access to loans and support services for these businesses. The plan must also include strategies for better information sharing, joint training programs, and support for housing startups and innovative products. Additionally, the agencies are required to engage with state and local governments, community organizations, and other resource partners to develop these initiatives. The legislation aims to address housing shortages by strengthening the capacity of small businesses that contribute to housing supply and affordability.

Topics ✓ HousingSupports HousingBill aims to boost housing supply by supporting small businesses in housing industry through financial and technical assistance, directly advancing housing development goals.85% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance Tags Small Business

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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 Apr 13, 2026

SJRES 165: A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Bulletin 2015-02 re: Section 8 housing choice voucher homeownership program".

This joint resolution seeks to disapprove a rule from the Bureau of Consumer Financial Protection that would have withdrawn a 2015 regulation regarding the Section 8 housing choice voucher homeownership program. If passed, the resolution would prevent the Bureau from removing the existing guidance that allows low-income families to use housing vouchers to purchase homes. The measure directly affects the Bureau's regulatory authority and the housing assistance program it oversees. It does not change the underlying law but instead blocks a specific administrative action that would have altered how the program operates.

Topics ✓ HousingSupports HousingBill protects Section 8 housing choice voucher homeownership program, preventing removal of guidance that allows low-income families to use vouchers to purchase homes, thus supporting affordable housing access.92% confidence

Sub-Topics Homeownership

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in committee · United States · Senate Mar 3, 2026

S 3968: Housing for America’s Middle Class Act of 2026

This bill directs the Government Accountability Office to conduct a study on workforce housing within one year of enactment. The study will identify barriers middle-income households face in securing affordable housing, pinpoint areas with the highest unaffordability, and list federal programs currently unavailable to this group due to income limits. The GAO will also propose a clear federal definition for workforce housing and analyze how to modify or create new housing programs to include this category. The bill defines middle-income households as those earning between 80 and 120 percent of the median family income in their area.

Topics ✓ HousingSupports HousingBill directs GAO to study workforce housing barriers and propose federal definition, aiming to improve access for middle-income households.75% confidence

Sub-Topics Affordable Housing Homeownership Zoning

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in committee · United States · Senate Feb 26, 2026

S 3930: HOPE (Humans over Private Equity) for Homeownership Act

This bill, titled the HOPE for Homeownership Act, imposes a 15 percent excise tax on hedge funds that purchase single-family homes with 1 to 4 units. The tax applies to any hedge fund taxpayer that manages at least $50 million in assets and acquires a majority ownership interest in such residential properties. Additionally, the legislation disallows mortgage interest deductions and depreciation for hedge funds that rent or lease these homes, while also reducing their eligibility for certain business income tax benefits. These tax changes are designed to discourage institutional investors from buying residential properties for investment purposes.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill imposes excise tax on hedge funds purchasing single-family homes, closing a tax loophole and promoting fiscal responsibility by limiting tax advantages for wealthy entities.95% confidence ✓ HousingSupports HousingBill imposes tax on hedge funds buying single-family homes to prevent speculation and increase housing availability for regular buyers, supporting affordable housing access.85% confidence

Sub-Topics Income Tax Sales Tax Homeownership Mortgages Renters

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in committee · United States · Senate Mar 9, 2026

S 4026: American Dream Accounts Act of 2026

This bill creates American Dream Accounts, which are tax-advantaged savings accounts designed to help eligible U.S. citizens save for purchasing a first home. The accounts allow contributions up to $7,500 annually (or $10,000 for those aged 35 or older) with tax-free growth and tax-free withdrawals when used to buy a first home, subject to a $500,000 lifetime limit on qualified distributions. Funds must be kept in a bank or qualified trustee, cannot be invested in life insurance, and cannot be commingled with other property. Withdrawals for purposes other than qualified first-time home purchases are subject to income tax and a 10% penalty. The bill also establishes rules for rollovers between accounts, reporting requirements, and penalties for excess contributions or prohibited transactions.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill creates tax-advantaged savings accounts with tax-free growth and withdrawals, providing tax relief and promoting fiscal responsibility for first-time homebuyers.85% confidence ✓ HousingSupports HousingBill creates tax-advantaged savings accounts to help citizens save for first home purchases, directly supporting affordable housing access.90% confidence

Sub-Topics Income Tax Procurement Homeownership

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in committee · United States · Senate Feb 26, 2026

S 3940: Access to Fair Financing for Opportunity and Resilient Development Act

This bill amends the Community Development Banking and Financial Institutions Act of 1994 to require the Treasury Secretary to testify annually before Congress about the Fund's operations. It also strengthens the CDFI Bond Guarantee Program by adjusting guarantee limits and extending the program's authorization period. Additionally, the bill expands capital assistance options for community development financial institutions and creates a new lending program specifically for Native community development financial institutions to support homeownership in Tribal and Native communities.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill strengthens CDFI Bond Guarantee Program and expands capital assistance, promoting fiscal management and government accountability through Treasury Secretary testimony requirements.75% confidence ✓ HousingSupports HousingBill strengthens CDFI Bond Guarantee Program and expands capital assistance for community development financial institutions, which can fund affordable housing initiatives and community development projects.75% confidence

Sub-Topics Community Development Homeownership Property Development

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in committee · United States · House Mar 3, 2026

HR 7753: First Look for First-time Homebuyers Act of 2026

This bill, known as the First Look for First-time Homebuyers Act of 2026, requires federal housing agencies and mortgage corporations to give first-time homebuyers priority access to foreclosed single-family homes for a 15-day period after they are listed for sale. During this window, properties must be priced based on independent appraisals or disclosed valuation models, listed on public websites with clear eligibility information, and cannot be bundled with other properties. The legislation also mandates regular reporting to Congress on sales data and requires internal audits to ensure compliance with these new requirements.

Topics ✓ HousingSupports HousingBill strengthens first-time homebuyer protections by requiring priority access to foreclosed homes, ensuring fair pricing, and preventing bundling, directly advancing affordable housing access.90% confidence

Sub-Topics Affordable Housing Homeownership Mortgages

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in committee · United States · House Mar 3, 2026

HR 7756: First-time Homebuyer Savings Account Act of 2026

This bill creates a new type of tax-advantaged savings account specifically designed for first-time homebuyers. It allows individuals who have not owned a home in the past three years to make tax-deductible contributions to a special savings account, with a contribution limit based on income and capped at 20% of the national average home price. Money withdrawn from the account is tax-free if used for qualified expenses like purchasing a home or making major repairs, but taxable with a 10% penalty if used for other purposes. The bill also permits limited tax-free withdrawals for emergencies such as job loss, major health events, or marriage, and allows contributions to be rolled over into a new account within 60 days.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill creates tax-advantaged savings accounts for first-time homebuyers, providing tax relief and promoting homeownership through tax incentives.85% confidence ✓ HousingSupports HousingBill creates tax-advantaged savings accounts for first-time homebuyers, increasing access to affordable housing through financial incentives.85% confidence

Sub-Topics Procurement Homeownership

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