IB 
Union Calendar No. 392 
119TH CONGRESS 
2D SESSION 
H. R. 6644 
[Report No. 119–457, Part I] 
A bill to increase the supply of housing in America, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 11, 2025 
Mr. HILL of Arkansas (for himself, Ms. WATERS, Mr. FLOOD, and Mr. 
CLEAVER) introduced the following bill; which was referred to the Com-
mittee on Financial Services, and in addition to the Committee on Vet-
erans’ Affairs, for a period to be subsequently determined by the Speaker, 
in each case for consideration of such provisions as fall within the juris-
diction of the committee concerned 
JANUARY 15, 2026 
Additional sponsors: Mr. GREEN of Texas, Mr. SESSIONS, Ms. VELA´ZQUEZ, 
Mr. ROSE, Mr. SHERMAN, Mr. STEIL, Mr. DAVID SCOTT of Georgia, Mr. 
STUTZMAN, Mrs. BEATTY, Mr. MEUSER, Ms. PRESSLEY, Mrs. KIM, Ms. 
TLAIB, Mr. GARBARINO, Mr. TORRES of New York, Mr. LAWLER, Ms. 
GARCIA of Texas, Ms. DE LA CRUZ, Ms. PETTERSEN, Mr. NUNN of 
Iowa, Mr. FIELDS, Ms. SALAZAR, Ms. BYNUM, Mr. DOWNING, Mr. 
LICCARDO, Mr. HARIDOPOLOS, Mr. MOSKOWITZ, and Mr. MOORE of 
North Carolina 
JANUARY 15, 2026 
Reported from the Committee on Financial Services with amendments 
[Strike out all after the enacting clause and insert the part printed in italic] 
JANUARY 15, 2026 
Committee on Veterans’ Affairs discharged; committed to the Committee of 
the Whole House on the State of the Union and ordered to be printed 
[For text of introduced bill, see copy of bill as introduced on December 11, 2025] 
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A BILL 
A bill to increase the supply of housing in America, and 
for other purposes. 
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Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Housing for the 21st Century Act’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
TITLE I—BUILDING SMARTER FOR THE 21ST CENTURY 
Sec. 101. Housing Supply Frameworks. 
Sec. 102. Accelerating home building grant program. 
Sec. 103. Federal guidelines for point-access block buildings. 
Sec. 104. Unlocking Housing Supply Through Streamlined and Modernized Re-
views. 
Sec. 105. Federal Housing Agency Application of Environmental Reviews. 
Sec. 106. Multifamily loan limits. 
Sec. 107. GAO studies. 
TITLE II—MODERNIZING LOCAL DEVELOPMENT AND RURAL 
HOUSING PROGRAMS 
Sec. 201. HOME Reform. 
Sec. 202. Community Development Fund Amendments. 
Sec. 203. Grants for planning and implementation associated with affordable 
housing. 
Sec. 204. Rural housing service program improvements. 
Sec. 205. Choice in Affordable Housing. 
TITLE III—EXPANDING MANUFACTURED AND AFFORDABLE 
HOUSING FINANCE OPPORTUNITIES 
Sec. 301. Manufactured Housing Innovations. 
Sec. 302. FHA small-dollar mortgages. 
Sec. 303. Community investment and prosperity. 
TITLE IV—PROTECTING BORROWERS AND ASSISTED FAMILIES 
Sec. 401. Exclusion of certain disability benefits. 
Sec. 402. Military service question. 
Sec. 403. HUD–USDA–VA Interagency Coordination. 
Sec. 404. Family self-sufficiency escrow expansion pilot program. 
Sec. 405. Reforms to housing counseling and financial literacy programs. 
Sec. 406. Establishment of eviction helpline. 
Sec. 407. Temperature Sensor pilot program. 
Sec. 408. GAO studies. 
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TITLE V—ENHANCING OVERSIGHT OF HOUSING PROVIDERS 
Sec. 501. Requirement to testify. 
Sec. 502. Improving public housing agency accountability. 
TITLE I—BUILDING SMARTER 
FOR THE 21ST CENTURY 
SEC. 101. HOUSING SUPPLY FRAMEWORKS. 
(a) DEFINITIONS.—In this section: 
(1) AFFORDABLE HOUSING.—The term ‘‘afford-
able housing’’ means housing for which the monthly 
payment is not more than 30-percent of the monthly 
income of the household. 
(2) ASSISTANT SECRETARY.—The term ‘‘Assist-
ant Secretary’’ means the Assistant Secretary for Pol-
icy Development and Research of the Department of 
Housing and Urban Development. 
(3) LOCAL
ZONING
FRAMEWORK.—The term 
‘‘local zoning framework’’ means the local zoning 
codes and other ordinances, procedures, and policies 
governing zoning and land-use at the local level. 
(4) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
(5) STATE
ZONING
FRAMEWORK.—The term 
‘‘State zoning framework’’ means the State legislation 
or State agency and department procedures, or such 
legislation or procedures in an insular area of the 
United States, enabling local planning and zoning 
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authorities and establishing and guiding related poli-
cies and programs. 
(b) GUIDELINES
ON STATE
AND LOCAL ZONING 
FRAMEWORKS.— 
(1) IN GENERAL.—Not later than 3 years after 
the date of enactment of this Act, the Assistant Sec-
retary shall publish documents outlining guidelines 
and best practices to support production of adequate 
housing to meet the needs of communities and provide 
housing opportunities for individuals at every income 
level across communities with respect to— 
(A) State zoning frameworks; and 
(B) local zoning frameworks. 
(2) CONSULTATION; PUBLIC COMMENT.—During 
the 2-year period beginning on the date of enactment 
of this Act, in developing the guidelines and best 
practices required under paragraph (1), the Assistant 
Secretary shall— 
(A) publish draft guidelines and best prac-
tices in the Federal Register for public comment; 
and 
(B) establish a task force for the purpose of 
providing consultation to draft the guidelines 
and best practices published under subparagraph 
(A), the members of which shall include— 
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(i) urban planners and architects; 
(ii) housing developers, including af-
fordable and market-rate housing devel-
opers, manufactured housing developers, co-
operative housing developers, and other 
business interests; 
(iii) community engagement experts 
and community members impacted by zon-
ing decisions; 
(iv) public housing agencies and tran-
sit authorities; 
(v) members of local zoning and plan-
ning boards and local and regional trans-
portation planning organizations; 
(vi) State officials responsible for hous-
ing or land use, including members of State 
zoning boards of appeals; 
(vii) academic researchers; and 
(viii) home builders. 
(3) CONTENTS.—The guidelines and best prac-
tices required under paragraph (1) shall— 
(A) with respect to State zoning frame-
works, outline potential models for updated State 
enabling legislation or State agency and depart-
ment procedures; 
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(B) include recommendations regarding— 
(i) the reduction or elimination of 
parking minimums; 
(ii) the increase in maximum floor 
area ratio requirements and maximum 
building heights and the reduction in min-
imum lot sizes and set-back requirements; 
(iii) the elimination of restrictions 
against accessory dwelling units; 
(iv) increasing by-right uses, including 
duplex, triplex, or quadplex buildings, 
across cities or metropolitan areas; 
(v) mechanisms, including proximity 
to transit, to determine the appropriate 
scope for rezoning and ensure development 
that does not disproportionately burden 
residents of economically distressed areas; 
(vi) provisions regarding review of by- 
right development proposals to streamline 
review and reduce uncertainty, including— 
(I) nondiscretionary, ministerial 
review; and 
(II) entitlement and design review 
processes; 
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(vii) the reduction of obstacles, regu-
latory or otherwise, to a range of housing 
types at all levels of affordability, including 
manufactured and modular housing; 
(viii) State model zoning regulations 
for directing local reforms, including mech-
anisms to encourage adoption; 
(ix) provisions to encourage transit- 
oriented development, including increased 
permissible units per structure and reduced 
minimum lot sizes near existing or planned 
public transit stations; 
(x) potential reforms to strengthen the 
public engagement process; 
(xi) reforms to protest petition statutes; 
(xii) the standardization, reduction, or 
elimination of impact fees; 
(xiii) cost-effective and appropriate 
building codes; 
(xiv) models for community benefit 
agreements; 
(xv) mechanisms to preserve afford-
ability, limit disruption of low-income com-
munities, and prevent displacement of exist-
ing residents; 
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(xvi) with respect to State zoning 
frameworks— 
(I) State model codes for directing 
local reforms, including mechanisms to 
encourage adoption; 
(II) a model for a State zoning 
appeals process, which would— 
(aa) create a process for de-
velopers or builders requesting a 
variance, conditional use, special 
permit, zoning district change, 
similar discretionary permit, or 
otherwise petitioning a local zon-
ing or planning board for a 
project including a State-defined 
amount of affordable housing to 
appeal a rejection to a State body 
or regional body empowered by 
the State; and 
(bb) establish qualifications 
for communities to be exempted 
from the appeals process based on 
their available stock of affordable 
housing; and 
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(III) streamlining of State envi-
ronmental review policies; 
(xvii) with respect to local zoning 
frameworks— 
(I) the simplification and stand-
ardization of existing zoning codes; 
(II) maximum review timelines; 
(III) best practices for the disposi-
tion of land owned by local govern-
ments for affordable housing develop-
ment; 
(IV) differentiations between best 
practices for rural, suburban, and 
urban communities, and communities 
with different levels of density or popu-
lation distribution; and 
(V) streamlining of local environ-
mental review policies; and 
(xviii) other land use measures that 
promote access to new housing opportunities 
identified by the Secretary; and 
(C) consider— 
(i) the effects of adopting any rec-
ommendation on eligibility for Federal dis-
cretionary grants and tax credits for the 
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purpose of housing or community develop-
ment; 
(ii) coordination between infrastruc-
ture investments and housing planning; 
(iii) local housing needs, including 
ways to set and measure housing goals and 
targets; 
(iv) a range of affordability for rental 
units, with a prioritization of units attain-
able to extremely low-, low-, and moderate- 
income residents; 
(v) a range of affordability for home-
ownership; 
(vi) accountability measures; 
(vii) the long-term cost to residents 
and businesses if more housing is not con-
structed; 
(viii) barriers to individuals seeking to 
access affordable housing in growing com-
munities and communities with economic 
opportunity; 
(ix) with respect to State zoning 
frameworks— 
(I) distinctions between States 
providing constitutional or statutory 
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home rule authority to municipalities 
and States operating under the Dillon 
Rule, as articulated in Hunter v. 
Pittsburgh, 207 U.S. 161 (1907); and 
(II) Statewide mechanisms to pre-
serve existing affordability over the 
long term, including support for land 
banks and community land trusts; 
(x) public comments elicited under 
paragraph (2)(A); and 
(xi) other considerations, as identified 
by the Assistant Secretary. 
(c) ABOLISHMENT OF THE REGULATORY BARRIERS 
CLEARINGHOUSE.— 
(1) IN
GENERAL.—The Regulatory Barriers 
Clearinghouse established pursuant to section 1205 of 
the Housing and Community Development Act of 
1992 (42 U.S.C. 12705d) is abolished. 
(2) REPEAL.—Section 1205 of the Housing and 
Community Development Act of 1992 (42 U.S.C. 
12705d) is repealed. 
(d) REPORTING.—Not later than 5 years after the date 
on which the Assistant Secretary publishes the final guide-
lines and best practices for State and local zoning frame-
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works under this section, the Assistant Secretary shall sub-
mit to the Congress a report describing— 
(1) the States that have adopted recommenda-
tions from the guidelines and best practices, pursuant 
to section 4 of this Act; 
(2) a summary of the localities that have adopt-
ed recommendations from the guidelines and best 
practices, pursuant to section 4 of this Act; 
(3) a list of States that adopted a State zoning 
framework; 
(4) a summary of the modifications that each 
State has made in their State zoning framework; 
(5) a general summary of the types of updates 
localities have made to their local zoning framework; 
(6) with respect to the States that have adopted 
a State zoning framework or recommendations from 
the guidelines and best practices, the effect of such 
adoptions; and 
(7) a summary of any recommendations that 
were routinely not adopted by States or by localities. 
(e) RULE OF CONSTRUCTION.—Nothing in this section 
may be construed to permit the Department of Housing and 
Urban Development to take an adverse action against or 
fail to provide otherwise offered actions or services for any 
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State or locality if the State or locality declines to adopt 
a guideline or best practice under subsection (c). 
SEC. 102. ACCELERATING HOME BUILDING GRANT PRO-
GRAM. 
(a) IN GENERAL.—The Secretary may award grants 
to eligible entities to review designs of covered structures 
of mixed-income housing and designate such reviewed de-
signs to be included in pattern books for use in the jurisdic-
tion of the eligible entity. 
(b) RESTRICTION.—Amounts awarded under this sec-
tion may not be used for construction, alteration, or repair 
work. 
(c) CONSIDERATIONS.—In reviewing applications sub-
mitted by eligible entities for a grant under this section, 
the Secretary shall consider— 
(1) the need for affordable housing in the eligible 
entity; 
(2) the presence of high opportunity areas in the 
eligible entity; 
(3) coordination between the eligible entity and 
a State agency; and 
(4) coordination between the eligible entity and 
State, local, and regional transportation planning 
authorities. 
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(d) SET-ASIDE FOR RURAL AREAS.—Of the amounts 
made available in each fiscal year for grants under this 
section, the Secretary shall ensure that not less than 10- 
percent shall be used for grants to eligible entities that are 
located in rural areas. 
(e) REPORT REQUIREMENT.—Not later than 3 years 
after being awarded a grant under this section, an eligible 
entity shall submit to the Secretary a report that— 
(1) describes the impacts of the activities carried 
out using the amounts provided under this section on 
improving the production and supply of affordable 
housing; 
(2) includes a list of any pattern books the eligi-
ble entity has established using amounts provided 
under this section, including a description of the de-
signs such pattern book includes; 
(3) identifies the number of permits issued by the 
eligible entity for housing development using designs 
from such pattern book; and 
(4) identifies the number of housing units pro-
duced in developments of the eligible entity using a 
design from such pattern book. 
(f) AVAILABILITY OF INFORMATION.—The Secretary 
shall— 
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(1) to the extent possible, encourage eligible enti-
ties awarded grants under this section to make any 
pattern books established by such entity, and designs 
in such pattern book, publicly available through a 
website; and 
(2) collect, identify, and disseminate best prac-
tices relating to pattern books and make such infor-
mation publicly available on a website of the Depart-
ment of Housing and Urban Development. 
(g) REPAYMENT OF AWARDED AMOUNTS.—The Sec-
retary may require an eligible entity to return, to the Sec-
retary, grant amounts awarded under this section if the 
Secretary determines that the eligible entity has not ap-
proved a sufficient number of building permits that use de-
signs included in a pattern book established by the eligible 
entity, during the 5-year period following receipt of the 
grant by the eligible entity, unless such period is extended 
by the Secretary. 
(h) DEFINITIONS.—In this section: 
(1) AFFORDABLE HOUSING.—The term ‘‘afford-
able housing’’ means housing for which the total 
monthly housing cost payment is not more than 30- 
percent of the monthly household income for a house-
hold earning not more than 80-percent of the area- 
median income. 
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(2) COVERED STRUCTURE.—The term ‘‘covered 
structure’’ means a low-rise or mid-rise structure 
with not more than 25 dwelling units that may in-
clude— 
(A) an accessory dwelling unit; 
(B) infill development; 
(C) a duplex; 
(D) a triplex; 
(E) a fourplex; 
(F) a cottage court; 
(G) a courtyard building; 
(H) a townhouse; 
(I) a multiplex; and 
(J) any other structure with not less than 
2 dwelling units that the Secretary has deter-
mined in advance to be appropriate. 
(3) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’ means— 
(A) a unit of general local government, as 
defined in section 102(a) of the Housing and 
Community Development Act of 1974 (42 U.S.C. 
5302(a)); and 
(B) an Indian Tribe, as defined in section 
102(a) of the Housing and Community Develop-
ment Act of 1974 (42 U.S.C. 5302(a)). 
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(4) HIGH OPPORTUNITY AREA.—The term ‘‘high 
opportunity area’’ has the meaning given the term in 
section 1282.1 of title 12, Code of Federal Regula-
tions, or any successor regulation. 
(5) INFILL DEVELOPMENT.—The term ‘‘infill de-
velopment’’ means a residential housing development 
on small parcels in previously established areas for 
replacement by new or refurbished housing that uti-
lizes existing utilities and infrastructure. 
(6) MIXED-INCOME HOUSING.—The term ‘‘mixed- 
income housing’’ means a housing development that is 
comprised of housing units that promote differing lev-
els of affordability in the community. 
(7) PATTERN BOOK.—The term ‘‘pattern book’’ 
means a set of pre-reviewed, designated designs or 
construction plans that are assessed and approved as 
by-right development by localities for compliance with 
local building and permitting standards to streamline 
and expedite approval pathways for housing construc-
tion. 
(8) RURAL AREA.—The term ‘‘rural area’’ means 
any area other than a city or town that has a popu-
lation of less than 50,000 inhabitants. 
(9) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
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SEC. 103. FEDERAL GUIDELINES FOR POINT-ACCESS BLOCK 
BUILDINGS. 
(a) IN GENERAL.—Not later than 18 months after the 
date of enactment of this section, the Secretary of Housing 
and Urban Development shall issue guidelines to provide 
States, territories, Tribes, and localities with model code 
language, best practices, and technical guidance that could 
be used to facilitate the permitting of point-access block resi-
dential buildings. 
(b) CONTENTS.—When developing the guidelines under 
subsection (a), the Secretary shall consider— 
(1) fire safety considerations, including sprinkler 
coverage, smoke detection, ventilation, and building 
egress performance; 
(2) construction costs and potential impacts on 
housing affordability, including the potential for in-
creasing housing supply in high-cost jurisdictions; 
(3) flexibility for diverse consumer needs, includ-
ing family sizes, unit configurations, and accessi-
bility; 
(4) examples of single-stair codes adopted or con-
sidered by States and cities in the United States; 
(5) examples single-stair codes used in relevant 
international standards; 
(6) research and model language relating to sin-
gle-stair codes produced by organizations that focus 
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on point-access block building design and building- 
code reform; 
(7) consulting with experts, including developers, 
architects, fire marshals, researchers, economists, 
housing authorities, and officials in States that have 
enacted or piloted single-stair codes; and 
(8) alternative methods of safety compliance, in-
cluding options that utilize additional passive or ac-
tive safety features. 
(c) COORDINATION WITH THE INTERNATIONAL CODE 
COUNCIL.—The Secretary shall coordinate with the Inter-
national Code Council to encourage the International Code 
Council to incorporate provisions about point-access block 
buildings into the International Building Code. 
(d) GRANTS.—The Secretary may award competitive 
grants to eligible entities to implement pilot projects that 
evaluate, demonstrate, or validate the safety, feasibility, or 
cost-effectiveness of point-access block residential buildings. 
(e) RULE OF CONSTRUCTION.—Nothing in this section 
may be construed to preempt a State or local building code. 
(f) DEFINITIONS.—In this section: 
(1) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’ means a State, unit of local government, Tribal 
Government, public housing agency, nonprofit hous-
ing organization, community development organiza-
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tion, private developer, construction firm, qualified 
design firm, engineering firm, academic institution, 
research institution, or any partnership or consor-
tium comprised of 2 or more such types of entities. 
(2) POINT-ACCESS BLOCK BUILDING.—The term 
‘‘point-access block building’’ means a Group R–2 oc-
cupancy residential structure, as such term is defined 
by the International Building Code, in which a single 
internal stairway provides access and egress for all 
dwelling units in a building that is not greater than 
6 stories in height. 
SEC. 
104. 
UNLOCKING 
HOUSING 
SUPPLY 
THROUGH 
STREAMLINED AND MODERNIZED REVIEWS. 
(a) NEPA STREAMLINING FOR HUD HOUSING-RE-
LATED ACTIVITIES.— 
(1) IN GENERAL.—The Secretary of Housing and 
Urban Development shall, in accordance with section 
553 of title 5, United States Code, expand and reclas-
sify housing-related activities under the necessary ad-
ministrative regulations as follows: 
(A) The following housing-related activities 
shall be subject to regulations equivalent or sub-
stantially similar to the regulations entitled ‘‘ex-
empt activities’’ as set forth in section 58.34 of 
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title 24, Code of Federal Regulations, as in effect 
on January 1, 2025: 
(i) Tenant-based rental assistance, as 
defined in section 8(o) of the United States 
Housing Act of 1937 (42 U.S.C. 1437f(o)). 
(ii) 
Supportive 
services, 
including 
health care, housing services, permanent 
housing placement, day care, nutritional 
services, short-term payment for rent, mort-
gage, or utility costs, and assistance in 
gaining access to Federal Government and 
State and local government benefits and 
services. 
(iii) Operating costs, including main-
tenance, security, operation, utilities, fur-
nishings, equipment, supplies, staff train-
ing, and recruitment and other incidental 
costs. 
(iv) Economic development activities, 
including equipment purchases, inventory 
financing, interest subsidies, operating ex-
penses, and similar costs not associated 
with construction or expansion of existing 
operations. 
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(v) Activities to assist homebuyers to 
purchase existing dwelling units or dwelling 
units under construction, including closing 
costs and down payment assistance, interest 
rate buydowns, and similar activities that 
result in the transfer of title. 
(vi) Affordable housing predevelopment 
costs related to obtaining site options, 
project financing, administrative costs and 
fees for loan commitment, zoning approvals, 
and other related activities that do not have 
a physical impact. 
(vii) Approval of supplemental assist-
ance, including insurance or guarantee, to a 
project previously approved by the Sec-
retary. 
(viii) Emergency homeowner or renter 
assistance for HVAC, hot water heaters, and 
other necessary uses of existing utilities re-
quired under applicable law. 
(B) The following housing-related activities 
shall be subject to regulations equivalent or sub-
stantially similar to the regulations entitled— 
(i) ‘‘categorical exclusions not subject 
to section 58.5’’; and 
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(ii) ‘‘categorical exclusions not subject 
to the Federal laws and authorities cited in 
sections 50.4’’ in section 58.35(b) and sec-
tion 50.19, respectively of title 24, Code of 
Federal Regulations, as in effect on Janu-
ary 1, 2025, if such activities do not mate-
rially alter environmental conditions and 
do not materially exceed the original scope 
of the project: 
(I) Acquisition, repair, improve-
ment, reconstruction, or rehabilitation 
of public facilities and improvements 
(other than buildings) if the facilities 
and improvements are in place and 
will be retained in the same use with-
out change in size or capacity of more 
than 20-percent, including replacement 
of water or sewer lines, reconstruction 
of curbs and sidewalks, and repaving 
of streets. 
(II) Rehabilitation of 1-to-4 unit 
residential 
buildings, 
and 
existing 
housing-related infrastructure, such as 
repairs or rehabilitation of existing 
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wells, septics, or utility lines that con-
nect to that housing. 
(III) New construction, develop-
ment, demolition, acquisition, or dis-
position on up to 4 scattered site exist-
ing dwelling units where there is a 
maximum of 4 units on any 1 site. 
(IV) Acquisitions (including leas-
ing) or disposition of, or equity loans 
on an existing structure, or acquisition 
(including leasing) of vacant land if 
the structure or land acquired, fi-
nanced, or disposed of will be retained 
for the same use. 
(C) The following housing-related activities 
shall be subject to regulations equivalent or sub-
stantially similar to the regulations entitled— 
(i) ‘‘categorical exclusions subject to 
section 58.5’’; and 
(ii) ‘‘categorical exclusions subject to 
the Federal laws and authorities cited in 
sections 50.4’’ in section 58.35(a) and sec-
tion 50.20, respectively, of title 24, Code of 
Federal Regulations, as in effect on Janu-
ary 1, 2025, if such activities do not mate-
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rially alter environmental conditions and 
do not materially exceed the original scope 
of the project: 
(I) Acquisitions of open space or 
residential property, where such prop-
erty will be retained for the same use 
or will be converted to open space to 
help residents relocate out of an area 
designated as a high-risk area by the 
Secretary. 
(II) Conversion of existing office 
buildings into residential development, 
subject to— 
(aa) a maximum number of 
units to be determined by the Sec-
retary; and 
(bb) a limitation on the 
change in building size to not 
more than 20-percent. 
(III) New construction, develop-
ment, demolition, acquisition, or dis-
position on 5 to 15 dwelling units 
where there is a maximum of 15 units 
on any 1 site. The units can be 15 1- 
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unit buildings or 1 15-unit building, 
or any combination in between. 
(IV) New construction, develop-
ment, demolition, acquisition, or dis-
position on 15 or more housing units 
developed on scattered sites when there 
are not more than 15 housing units on 
any 1 site, and the sites are more than 
a set number of feet apart as deter-
mined by the Secretary. 
(V) Rehabilitation of buildings 
and improvements in the case of a 
building for residential use with 5 to 
15 units, if the density is not increased 
beyond 15 units and the land use is 
not changed. 
(VI) Infill projects consisting of 
new construction, rehabilitation, or de-
velopment of residential housing units. 
(VII) Buyouts, defined as the vol-
untary acquisition of properties located 
in— 
(aa) a floodway; 
(bb) a floodplain; or 
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(cc) an other area, clearly de-
lineated by the grantee, that has 
been impacted by a predictable 
environmental threat to the safety 
and wellbeing of program bene-
ficiaries caused or exacerbated by 
a federally declared disaster. 
(2) REPORT.—The Secretary shall submit to the 
Committee on Banking, Housing, and Urban Affairs 
of the Senate and the Committee on Financial Serv-
ices of the House of Representatives annual reports 
during the 5-year period beginning on the date that 
is 2 years after the date of enactment of this Act that 
provide a summary of findings of reductions in re-
view times and administrative cost reduction, with a 
particular focus on the affordable housing sector, as 
a result of the actions set forth in this subsection, and 
any recommendations of the Secretary for future con-
gressional action with respect to revising categorical 
exclusions or exemptions under title 24, Code of Fed-
eral Regulations. 
(b) BETTER USE OF INTERGOVERNMENTAL AND LOCAL 
DEVELOPMENT FOR HOUSING.— 
(1) DESIGNATION
OF
ENVIRONMENTAL
REVIEW 
PROCEDURE.—The Department of Housing and 
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Urban Development Act (42 U.S.C. 3531 et seq.) is 
amended by inserting after section 12 (42 U.S.C. 
3537a) the following: 
‘‘SEC. 13. DESIGNATION OF ENVIRONMENTAL REVIEW PRO-
CEDURE. 
‘‘(a) IN GENERAL.—Except as provided in subsection 
(b), the Secretary may, for purposes of environmental re-
view, decision-making, and action pursuant to the National 
Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.), 
and other provisions of law that further the purposes of such 
Act, designate the treatment of assistance administered by 
the Secretary as funds for a special project for purposes of 
section 305(c) of the Multifamily Housing Property Dis-
position Reform Act of 1994 (42 U.S.C. 3547). 
‘‘(b) EXCEPTION.—The designation described in sub-
section (a) shall not apply to assistance for which a proce-
dure for carrying out the responsibilities of the Secretary 
under the National Environmental Policy Act of 1969 (42 
U.S.C. 4321 et seq.), and other provisions of law that fur-
ther the purposes of such Act, is otherwise specified in law.’’. 
(2) TRIBAL ASSUMPTION OF ENVIRONMENTAL RE-
VIEW
OBLIGATIONS.—Section 305(c) of the Multi-
family Housing Property Disposition Reform Act of 
1994 (42 U.S.C. 3547) is amended— 
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(A) by striking ‘‘State or unit of general 
local government’’ each place it appears and in-
serting ‘‘State, Indian Tribe, or unit of general 
local government’’; 
(B) in paragraph (1)(C), in the heading, by 
striking ‘‘STATE OR UNIT OF GENERAL LOCAL 
GOVERNMENT’’ and inserting ‘‘STATE, INDIAN 
TRIBE, OR UNIT OF GENERAL LOCAL GOVERN-
MENT’’; and 
(C) by adding at the end the following: 
‘‘(5) DEFINITION OF INDIAN TRIBE.—For pur-
poses of this subsection, the term ‘Indian Tribe’ 
means a federally recognized Tribe, as defined in sec-
tion 4(13)(B) of the Native American Housing Assist-
ance and Self-Determination Act of 1996 (25 U.S.C. 
4103(13)(B)).’’. 
(c) INFILL PROJECT DEFINED.—In this section, the 
term ‘‘infill project’’ means a project that— 
(1) occurs within the geographic limits of a mu-
nicipality; 
(2) is adequately served by existing utilities and 
public services as required under applicable law; 
(3) is located on a site of previously disturbed 
land of not more than 5 acres and substantially sur-
rounded by residential or commercial development; 
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(4) will repurpose a vacant or underutilized par-
cel of land, or a dilapidated or abandoned structure; 
and 
(5) will serve a residential or commercial pur-
pose. 
SEC. 105. FEDERAL HOUSING AGENCY APPLICATION OF EN-
VIRONMENTAL REVIEWS. 
(a) MEMORANDUM OF UNDERSTANDING.— 
(1) IN GENERAL.—Not later than 180 days after 
the date of enactment of this Act, the Secretary of 
Housing and Urban Development and the Secretary 
of Agriculture shall enter into a memorandum of un-
derstanding to— 
(A) evaluate the use of categorical exclusions 
(as defined in section 111 of the National Envi-
ronmental Policy Act of 1969 (42 U.S.C. 4336e)) 
for housing projects funded by amounts from the 
Department of the Housing and Urban Develop-
ment and the Department of Agriculture; 
(B) develop a process to designate a lead 
agency among the Department of Housing and 
Urban Development and the Department of Agri-
culture to streamline the adoption of environ-
mental impact statements and environmental as-
sessments approved by the other agency to con-
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struct housing projects funded by amounts from 
both agencies; 
(C) maintain compliance with environ-
mental regulations under part 58 of title 24, 
Code of Federal Regulations, as in effect on Jan-
uary 1, 2025; and 
(D) evaluate the feasibility of a joint phys-
ical inspection process for housing projects fund-
ed by amounts from the Department of the Hous-
ing and Urban Development and the Department 
of Agriculture. 
(2) ADVISORY WORKING GROUP.— 
(A) IN GENERAL.—Not later than 180 days 
after the date of enactment of this Act, the Sec-
retary of Housing and Urban Development and 
the Secretary of Agriculture shall establish an 
advisory working group for the purpose of con-
sulting on the implementation of the memo-
randum of understanding entered into under 
paragraph (1). 
(B) 
MEMBERS.—The 
advisory 
working 
group established under subparagraph (A) shall 
consist of rural and nonrural stakeholders, in-
cluding— 
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(i) affordable housing nonprofit orga-
nizations; 
(ii) State housing and housing finance 
agencies; 
(iii) nonprofit and for-profit home 
builders and housing developers; 
(iv) property management companies; 
(v) owners of multifamily properties, 
including nonprofit and for-profit owners 
and operators; 
(vi) public housing agencies; 
(vii) residents in housing assisted by 
the Department of Housing and Urban De-
velopment or the Department of Agriculture 
and representatives of those residents; and 
(viii) housing contract administrators. 
(3) REPORT.—Not later than 1 year after the 
date of enactment of this Act, the Secretary of Hous-
ing and Urban Development and the Secretary of Ag-
riculture shall submit to the Committee on Banking, 
Housing, and Urban Affairs of the Senate and the 
Committee on Financial Services of the House of Rep-
resentatives a report that includes recommendations 
for legislative, regulatory, or administrative actions— 
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(A) to improve the efficiency and effective-
ness of housing projects funded by amounts from 
the Department of the Housing and Urban De-
velopment and the Department of Agriculture; 
and 
(B) that do not materially, with respect to 
residents of housing projects described in sub-
paragraph (A)— 
(i) reduce the safety of those residents; 
(ii) shift long-term costs onto those 
residents; or 
(iii) undermine the environmental 
standards of those residents. 
(b) STUDY AND REVIEW.— 
(1) EXEMPTION.—In providing assistance under 
section 501, 502, 504, 515, 533, or 538 of the Housing 
Act of 1949 (42 U.S.C. 1471, 1472, 1474, 1485, 
1490m, or 1490p–2) for the construction or modifica-
tion of residential housing located on an infill site, 
the Secretary of Agriculture shall not be required to 
carry out any study or report on the environmental 
effects of such assistance. 
(2) REPORT.—Not later than the date that is 5 
years after the date of enactment of this section, the 
Secretary of Agriculture shall submit, to the Com-
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mittee on Financial Services of the House of Rep-
resentatives and the Committee on Banking, Housing, 
and Urban Affairs of the Senate, a report that— 
(A) determines whether the implementation 
of this section— 
(i) reduced the amount of time it takes 
to review an application for assistance 
under the sections of the Housing Act of 
1949 identified in paragraph (1); and 
(ii) reduced the administrative cost of 
providing such assistance; 
(B) describes how the implementation of 
this section affects the affordable housing sector 
in rural America; and 
(C) includes any legislative recommenda-
tions from the Secretary of Agriculture. 
(2) DEFINITIONS.—In this section: 
(A) GREENFIELD.—The term ‘‘greenfield’’ 
means a site that has not been developed, includ-
ing a woodland, farmland, and an open field. 
(B) INFILL SITE.—The term ‘‘infill site’’— 
(i) means a site that is served by exist-
ing infrastructure, including water lines, 
sewer lines, and roads; and 
(ii) does not include— 
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(I) a site that is served by exist-
ing infrastructure that only consists of 
a road; 
(II) a site within a census tract 
designated as very high or relatively 
high risk for wildfire, coastal flooding, 
and riverine flooding under the Na-
tional Risk Index of the Federal Emer-
gency Management Agency pursuant to 
section 206 of the Robert T. Stafford 
Disaster Relief and Emergency Assist-
ance Act (42 U.S.C. 5136); and 
(III) a greenfield. 
SEC. 106. MULTIFAMILY LOAN LIMITS. 
(a) IN GENERAL.—Title II of the National Housing 
Act (12 U.S.C. 1707 et seq.) is amended— 
(1) in section 206A (12 U.S.C. 1712a)— 
(A) in subsection (a), in the matter fol-
lowing paragraph (7), by striking ‘‘(commencing 
in 2004’’ and all that follows through the period 
at the end and inserting the following: ‘‘, com-
mencing on January 1, 2026. The adjustment of 
the Dollar Amounts shall be calculated by the 
Secretary using the percentage change in the 
Price Deflator Index of Multifamily Residential 
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Units Under Construction released by the Bu-
reau of the Census from March of the previous 
year to March of the year in which the adjust-
ment is made, or calculated by the Secretary 
using an alternative indicator after publishing 
information about such alternative indicator in 
the Federal Register for public comment if the 
Price Deflator Index of Multifamily Residential 
Units Under Construction is not available or 
published.’’; and 
(B) by striking subsection (b) and inserting 
the following: 
‘‘(b) ROUNDING.—The dollar amount of any adjust-
ment described in subsection (a) shall be rounded to the next 
lower dollar. 
‘‘(c) PUBLICATION.—The Secretary shall publish in the 
Federal Register any adjustments made to the Dollar 
Amounts.’’; 
(2) 
in 
section 
207(c)(3)(A) 
(12 
U.S.C. 
1713(c)(3)(A))— 
(A) by striking ‘‘$38,025’’ and inserting 
‘‘$167,310’’; 
(B) by striking ‘‘$42,120’’ and inserting 
‘‘$185,328’’; 
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(C) by striking ‘‘$50,310’’ and inserting 
‘‘$221,364’’; 
(D) by striking ‘‘$62,010’’ and inserting 
‘‘$272,844’’; 
(E) by striking ‘‘$70,200’’ and inserting 
‘‘$308,880’’; 
(F) by striking ‘‘, or not to exceed $17,460 
per space’’; 
(G) by striking ‘‘$43,875’’ and inserting 
‘‘$193,050’’; 
(H) by striking ‘‘$49,140’’ and inserting 
‘‘$216,216’’; 
(I) by striking ‘‘$60,255’’ and inserting 
‘‘$265,122’’; 
(J) by striking ‘‘$75,465’’ and inserting 
‘‘$332,046’’; and 
(K) by striking ‘‘$85,328’’ and inserting 
‘‘$375,443’’; 
(3) 
in 
section 
213(b)(2) 
(12 
U.S.C. 
1715e(b)(2))— 
(A) by striking ‘‘$41,207’’ and inserting 
‘‘$181,311’’; 
(B) by striking ‘‘$47,511’’ and inserting 
‘‘$209,048’’; 
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(C) by striking ‘‘$57,300’’ and inserting 
‘‘$252,120’’; 
(D) by striking ‘‘$73,343’’ and inserting 
‘‘$322,709’’; 
(E) by striking ‘‘$81,708’’ and inserting 
‘‘$359,515’’; 
(F) by striking ‘‘$43,875’’ and inserting 
‘‘$193,050’’; 
(G) by striking ‘‘$49,710’’ and inserting 
‘‘$218,724’’; 
(H) by striking ‘‘$60,446’’ and inserting 
‘‘$265,962’’; 
(I) by striking ‘‘$78,197’’ and inserting 
‘‘$344,067’’; and 
(J) by striking ‘‘$85,836’’ and inserting 
‘‘$377,678’’; 
(4) in section 220(d)(3)(B)(iii)(I) (12 U.S.C. 
1715k(d)(3)(B)(iii)(I))— 
(A) by striking ‘‘$38,025’’ and inserting 
‘‘$167,310’’; 
(B) by striking ‘‘$42,120’’ and inserting 
‘‘$185,328’’; 
(C) by striking ‘‘$50,310’’ and inserting 
‘‘$221,364’’; 
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(D) by striking ‘‘$62,010’’ and inserting 
‘‘$272,844’’; 
(E) by striking ‘‘$70,200’’ and inserting 
‘‘$308,880’’; 
(F) by striking ‘‘$43,875’’ and inserting 
‘‘$193,050’’; 
(G) by striking ‘‘$49,140’’ and inserting 
‘‘$216,216’’; 
(H) by striking ‘‘$60,255’’ and inserting 
‘‘$265,122’’; 
(I) by striking ‘‘$75,465’’ and inserting 
‘‘$332,046’’; and 
(J) by striking ‘‘$85,328’’ and inserting 
‘‘$375,443’’; 
(5) in section 221(d)(4)(ii)(I) (12 U.S.C. 
1715l(d)(4)(ii)(I))— 
(A) by striking ‘‘$37,843’’ and inserting 
‘‘$166,509’’; 
(B) by striking ‘‘$42,954’’ and inserting 
‘‘$188,997’’; 
(C) by striking ‘‘$51,920’’ and inserting 
‘‘$228,448’’; 
(D) by striking ‘‘$65,169’’ and inserting 
‘‘$286,744’’; 
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(E) by striking ‘‘$73,846’’ and inserting 
‘‘$324,922’’; 
(F) by striking ‘‘$40,876’’ and inserting 
‘‘$179,854’’; 
(G) by striking ‘‘$46,859’’ and inserting 
‘‘$206,180’’; 
(H) by striking ‘‘$56,979’’ and inserting 
‘‘$250,708’’; 
(I) by striking ‘‘$73,710’’ and inserting 
‘‘$324,324’’; and 
(J) by striking ‘‘$80,913’’ and inserting 
‘‘$356,017’’; 
(6) 
in 
section 
231(c)(2)(A) 
(12 
U.S.C. 
1715v(c)(2)(A))— 
(A) by striking ‘‘$35,978’’ and inserting 
‘‘$166,509’’; 
(B) by striking ‘‘$40,220’’ and inserting 
‘‘$188,997’’; 
(C) by striking ‘‘$48,029’’ and inserting 
‘‘$228,448’’; 
(D) by striking ‘‘$57,798’’ and inserting 
‘‘$286,744’’; 
(E) by striking ‘‘$67,950’’ and inserting 
‘‘$324,922’’; 
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(F) by striking ‘‘$40,876’’ and inserting 
‘‘$179,854’’; 
(G) by striking ‘‘$46,859’’ and inserting 
‘‘$206,180’’; 
(H) by striking ‘‘$56,979’’ and inserting 
‘‘$250,708’’; 
(I) by striking ‘‘$73,710’’ and inserting 
‘‘$324,324’’; and 
(J) by striking ‘‘$80,913’’ and inserting 
‘‘$356,017’’; and 
(7) 
in 
section 
234(e)(3)(A) 
(12 
U.S.C. 
1715y(e)(3)(A))— 
(A) by striking ‘‘$42,048’’ and inserting 
‘‘$185,011’’; 
(B) by striking ‘‘$48,481’’ and inserting 
‘‘$213,316’’; 
(C) by striking ‘‘$58,469’’ and inserting 
‘‘$257,263’’; 
(D) by striking ‘‘$74,840’’ and inserting 
‘‘$329,296’’; 
(E) by striking ‘‘$83,375’’ and inserting 
‘‘$366,850’’; 
(F) by striking ‘‘$44,250’’ and inserting 
‘‘$194,700’’; 
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(G) by striking ‘‘$50,724’’ and inserting 
‘‘$223,186’’; 
(H) by striking ‘‘$61,680’’ and inserting 
‘‘$271,392’’; 
(I) by striking ‘‘$79,793’’ and inserting 
‘‘$351,089’’; and 
(J) by striking ‘‘$87,588’’ and inserting 
‘‘$385,387’’. 
(b) RULE OF CONSTRUCTION.—Nothing in this section 
or the amendments made by this section may be construed 
to limit the authority of the Secretary of Housing and 
Urban Development to revise the statutory exceptions for 
high-cost percentage and high-cost areas annual indexing. 
SEC. 107. GAO STUDIES. 
(a) WORKFORCE HOUSING STUDY.— 
(1) IN GENERAL.—Not later than 1 year after 
the date of the enactment of this section, the Comp-
troller General of the United States shall conduct a 
study and submit to the Congress a report that— 
(A) 
identifies 
obstacles 
middle-income 
households face when looking to secure affordable 
housing; 
(B) identifies geographic areas where hous-
ing is the most unaffordable and unavailable for 
middle-income households; 
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(C) includes a list of Federal housing pro-
grams, including Federal tax credits, grants, and 
loan programs, that are not available to middle- 
income households due to their income status, in-
cluding Federal housing programs designed to 
promote affordability; 
(D) recommends income and other param-
eters to establish a clear and consistent Federal 
definition for the term ‘‘workforce housing’’ for 
use when describing the segment of housing that 
could be made available to such middle-income 
households in Federal housing programs if fund-
ing commensurate with the additional eligibility 
were to be made available; and 
(E) analyzes how to modify or newly de-
velop new Federal housing programs and incen-
tives to include ‘‘workforce housing’’ if funding 
commensurate with the additional eligibility 
were to be made available. 
(2) MIDDLE-INCOME HOUSEHOLD DEFINED.—In 
this subsection, the term ‘‘middle income household’’ 
means a household with an income above 80-percent 
but that does not exceed 120-percent of the median 
family income of the area, as determined by the Sec-
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retary with adjustments for smaller and larger fami-
lies. 
(b) UNIFORM BUILDING CODE STUDY.—Not later than 
1 year after the date of the enactment of this section, the 
Comptroller General of the United States shall conduct a 
study and submit a report to the Congress that examines 
the costs and benefits that could be associated with estab-
lishing a Federal uniform residential building code, includ-
ing whether such a code could— 
(1) reduce the amount of time required for units 
of local government to approve new construction; 
(2) reduce the cost of residential construction in 
the United States; or 
(3) increase the quality of available and afford-
able residential housing in the United States. 
TITLE II—MODERNIZING LOCAL 
DEVELOPMENT 
AND 
RURAL 
HOUSING PROGRAMS 
SEC. 201. HOME REFORM. 
(a) IN GENERAL.—Section 104 of the Cranston-Gon-
zalez National Affordable Housing Act (42 U.S.C. 12704) 
is amended— 
(1) in paragraph (6)(B), by striking ‘‘signifi-
cant’’; and 
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(2) by adding at end the following new para-
graph: 
‘‘(26) The term ‘infill housing project’ means a 
residential housing project that— 
‘‘(A) is located within the geographic limits 
of a municipality; 
‘‘(B) is adequately served by existing utili-
ties and public services as required under appli-
cable law; 
‘‘(C) is located on a site of previously dis-
turbed land of not more than 5 acres; and 
‘‘(D) is substantially surrounded by resi-
dential or commercial development, as deter-
mined by the Secretary.’’. 
(b) ASSISTANCE FOR LOW-INCOME FAMILIES.—Title 
II of the Cranston-Gonzalez National Affordable Housing 
Act (42 U.S.C. 12721 et seq.) is amended— 
(1) in section 214(2), by striking ‘‘households 
that qualify as low-income families’’ and inserting 
‘‘families with a household income that does not ex-
ceed 100-percent of the median-family income of the 
area, as determined by the Secretary’’; 
(2) in section 215— 
(A) in subsection (b)(2), by striking ‘‘whose 
family qualifies as a low-income family’’ and in-
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serting ‘‘with a family income that does not ex-
ceed 100-percent of the median-family income of 
the area as determined by the Secretary with ad-
justments for smaller and larger families’’; and 
(B) in subsection (b)(3)(A)(ii), by striking 
‘‘low-income homebuyers’’ and inserting ‘‘home-
buyers with a household income that does not ex-
ceed 100-percent of the median-family income of 
the area, as determined by the Secretary with 
adjustments for smaller and larger families’’; 
and 
(3) in section 271(c)— 
(A) in paragraph (1)(B), by striking ‘‘low- 
income’’ and inserting ‘‘families with a house-
hold income that does not exceed 100-percent of 
the median-family income of the area as deter-
mined by the Secretary with adjustments for 
smaller and larger families’’; and 
(B) in paragraph (2)(A), by striking ‘‘low- 
income families’’ and inserting ‘‘families with a 
household income that does not exceed 100-per-
cent of the median-family income of the area as 
determined by the Secretary with adjustments 
for smaller and larger families’’. 
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(c) CHOICES MADE
BY PARTICIPATING JURISDIC-
TIONS.—Section 212(a)(2) of the Cranston-Gonzalez Na-
tional Affordable Housing Act (42 U.S.C. 12742) is amend-
ed to read as follows: 
‘‘(2) LIMITATION.—The Secretary may not re-
strict a participating jurisdiction’s choice of rehabili-
tation, substantial rehabilitation, new construction, 
reconstruction, acquisition, or other eligible housing 
uses authorized in paragraph (1) unless such restric-
tion is explicitly authorized under section 223(2).’’. 
(d) USE OF AMOUNTS BY CERTAIN JURISDICTIONS 
FOR INFRASTRUCTURE IMPROVEMENTS.— 
(1) IN GENERAL.—Section 212(a) of the Cran-
ston-Gonzalez National Affordable Housing Act (42 
U.S.C. 12742(a)) is amended by inserting after para-
graph (3) the following: 
‘‘(4) INFRASTRUCTURE IMPROVEMENTS IN NON-
ENTITLEMENT AREAS.— 
‘‘(A) IN GENERAL.—A participating juris-
diction may use funds provided under this sub-
title for infrastructure improvements, including 
the installation or repair of water and sewer 
lines, sidewalks, roads, and utility connections 
if— 
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‘‘(i) such participating jurisdiction 
does not receive assistance under title I of 
the Housing and Community Development 
Act of 1974; and 
‘‘(ii) such improvements are directly 
related to, and located within or imme-
diately adjacent to— 
‘‘(I) housing assisted under this 
subtitle; or 
‘‘(II) housing assisted under sec-
tion 42 of the Internal Revenue Code of 
1986. 
‘‘(B) 
APPLICATION
OF
LABOR
STAND-
ARDS.—The labor standards and requirements 
set forth in section 110 of the Housing and Com-
munity Development Act of 1974 (42 U.S.C. 
5310) shall apply to any infrastructure improve-
ment conducted using funds provided under this 
subtitle. 
‘‘(C) RULE OF CONSTRUCTION.—Nothing in 
this paragraph may be construed to impose any 
requirements of the HOME Investment Partner-
ships program on housing that benefits from an 
infrastructure improvement conducted using 
funds provided under this subtitle but was not 
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otherwise assisted under the HOME Investment 
Partnerships program.’’. 
(2) RULEMAKING.—Not later than 1 year after 
the date of the enactment of this section, the Secretary 
shall issue rules to carry out the amendment made by 
paragraph (1). 
(e) PER UNIT INVESTMENT LIMITATIONS.—Section 
212(e)(1) of the Cranston-Gonzalez National Affordable 
Housing Act (42 U.S.C. 12742(e)(1)) is amended by strik-
ing the second sentence. 
(f) AFFORDABLE
RENTAL
HOUSING
QUALIFICA-
TIONS.—Section 215(a) of the Cranston-Gonzalez National 
Affordable Housing Act (42 U.S.C. 12745(a)) is amended 
by adding at the end the following: 
‘‘(7) 
QUALIFICATION
EXCEPTION.—Notwith-
standing paragraph (1)(A), a rental unit shall be 
considered to qualify as affordable housing under this 
title if— 
‘‘(A) the unit is occupied by a tenant re-
ceiving tenant-based rental assistance under sec-
tion 8 of the United States Housing Act of 1937 
(42 U.S.C. 1437f); 
‘‘(B) the tenant’s contribution toward rent 
does not exceed the amount permitted under such 
section 8 assistance; and 
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‘‘(C) the total rent for the unit does not ex-
ceed the amount approved by the public housing 
agency administering the assistance under that 
program.’’. 
(g) AFFORDABLE HOMEOWNERSHIP HOUSING QUALI-
FICATIONS.—Section 215 of the Cranston-Gonzalez Na-
tional Affordable Housing Act (42 U.S.C. 12745(b)) is 
amended— 
(1) in subsection (b)— 
(A) in paragraph (1), by striking ‘‘95 per-
cent’’ and inserting ‘‘110 percent’’; 
(B) in paragraph (3)— 
(i) in subparagraph (A)(ii), by strik-
ing ‘‘or’’ at the end; 
(ii) in subparagraph (B), by striking 
‘‘and’’ at the end and inserting ‘‘or’’; and 
(iii) by adding at the end the following 
new subparagraph: 
‘‘(C) 
maintain 
long-term 
affordability 
through a shared equity ownership model, a com-
munity land trust, a limited equity cooperative, 
a community development corporation, or other 
mechanism approved by the Secretary, that pre-
serves affordability for future eligible homebuyers 
and ensures compliance with the purposes of this 
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title, including through the use of purchase op-
tions, rights of first refusal or other preemptive 
rights to purchase housing; and’’; and 
(2) by adding at the end the following: 
‘‘(c) QUALIFICATION EXCEPTIONS FOR HOMEOWNER-
SHIP.— 
‘‘(1) MILITARY MEMBERS.—A participating ju-
risdiction, in accordance with terms established by the 
Secretary, may suspend or waive the income quali-
fications described in subsection (b)(2) with respect to 
housing that otherwise meets the criteria described in 
subsection (b) if the owner of the housing— 
‘‘(A) is a member of a regular component of 
the armed forces or a member of the National 
Guard on full-time National Guard duty, active 
Guard and Reserve duty, or inactive-duty train-
ing (as those terms are defined in section 101(d) 
of title 10, United States Code); and 
‘‘(B) has received— 
‘‘(i) temporary duty orders to deploy 
with a military unit or military orders to 
deploy as an individual acting in support 
of a military operation, to a location that 
is not within a reasonable distance from the 
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housing, as determined by the Secretary, for 
a period of not less than 90 days; or 
‘‘(ii) orders for a permanent change of 
station. 
‘‘(2) HEIRS AND BENEFICIARIES OF DECEASED 
OWNERS.—Housing that meets the criteria described 
in subsection (b)(3) prior to the death of an owner of 
such housing shall continue to qualify as affordable 
housing under this title if— 
‘‘(A) the housing is the principal residence 
of an heir or beneficiary of the deceased owner, 
as defined by the Secretary; and 
‘‘(B) the heir or beneficiary, in accordance 
with terms established by the Secretary, assumes 
the duties and obligations of the deceased owner 
with respect to funds provided under this title.’’. 
(h) ELIMINATION OF EXPIRATION OF RIGHT TO DRAW 
HOME INVESTMENT TRUST FUNDS.—Section 218 of the 
Cranston-Gonzalez National Affordable Housing Act (42 
U.S.C. 12748) is amended— 
(1) by striking subsection (g); and 
(2) by redesignating subsection (h) as subsection 
(g). 
(i) ADJUSTED RECAPTURE AND REUSE OF SET-ASIDE 
FOR COMMUNITY HOUSING DEVELOPMENTAL ORGANIZA-
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TIONS.—Section 231(b) of the Cranston-Gonzalez National 
Affordable Housing Act (42 U.S.C. 12771(b)) is amended 
to read as follows: 
‘‘(b) RECAPTURE AND REUSE.—If any funds reserved 
under subsection (a) remain uninvested for a period of 24 
months, the Secretary shall make such funds available to 
the participating jurisdiction for any eligible activities 
under title II of this Act without regard to whether a com-
munity housing development organization materially par-
ticipates in the use of such funds.’’. 
(j) ASSET RECYCLING INFORMATION DISSEMINATION 
EXPANSION.—Section 245(b)(2) of the Cranston-Gonzalez 
National Affordable Housing Act (42 U.S.C. 12785(b)(2)) 
is amended by striking ‘‘95 percent’’ and inserting ‘‘110 
percent’’. 
(k) ENVIRONMENTAL REVIEW REQUIREMENTS.— 
(1) IN GENERAL.—Section 288 of the Cranston- 
Gonzalez National Affordable Housing Act (42 U.S.C. 
12838) is amended by adding at the end the fol-
lowing: 
‘‘(e) CATEGORICAL EXEMPTIONS.—The following cat-
egories of activities carried out under this title shall be 
statutorily exempt from environmental review under the 
National Environmental Policy Act of 1969 (42 U.S.C. 
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4321 et seq.), and shall not require further review under 
such Act— 
‘‘(1) new construction infill housing projects; 
‘‘(2) acquisition of real property for affordable 
housing purposes; 
‘‘(3) rehabilitation projects carried out pursuant 
to section 212(a)(1); and 
‘‘(4) new construction projects of 15 units or less. 
‘‘(f) REMOVING DUPLICATIVE REVIEWS.— 
‘‘(1) IN
GENERAL.—To the extent practicable 
and permitted by law, the Secretary shall ensure that 
a project that has undergone an environmental review 
under this section shall not be subject to a duplicative 
environmental review solely due to the addition, sub-
stitution, or reallocation of other sources of Federal 
assistance, if the scope, scale, and location of the 
project remain substantially unchanged. 
‘‘(2) COORDINATION OF ENVIRONMENTAL REVIEW 
RESPONSIBILITIES.—The Secretary shall, by regula-
tion, provide for coordination of environmental re-
view responsibilities with other Federal agencies to 
streamline inter-agency compliance and avoid unnec-
essary duplication of effort under the National Envi-
ronmental Policy Act of 1969 (42 U.S.C. 4321 et seq.) 
and other applicable laws. 
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‘‘(3) RECOGNITION OF PRIOR REVIEWS BY RE-
SPONSIBLE ENTITIES.—A project may not be subject 
to an environmental review under this section if a 
substantially similar review has already been com-
pleted by an entity designated under section 104(g)(1) 
of the Housing and Community Development Act of 
1974 (42 U.S.C. 5304(g)(1)) or by another entity the 
Secretary determines to have equivalent authority, if 
the scope, scale, and location of the project remain 
substantially unchanged.’’. 
(2) RULEMAKING.—Not later than 1 year after 
the date of the enactment of this Act, the Secretary 
shall issue such rules as the Secretary determines nec-
essary to carry out the amendment made by this sub-
section. 
(l) APPLICATION OF OTHER SPECIFIED STATUTORY 
REQUIREMENTS.—Title II of the Cranston-Gonzalez Na-
tional Affordable Housing Act (42 U.S.C. 12721 et seq.) is 
amended by adding at the end the following new sections 
(and by conforming the table of sections in section 1(b), ac-
cordingly): 
‘‘SEC. 291. APPLICATION OF BUILD AMERICA, BUY AMERICA 
REQUIREMENTS. 
‘‘With respect to activities assisted under this title, re-
quirements under the Build America, Buy America Act (41 
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U.S.C. 8301 note) and any implementing regulations or 
guidance, shall only apply to infrastructure improvements 
conducted under section 212(a)(4) using funds provided 
under subtitle A. 
‘‘SEC. 292. NONAPPLICABILITY OF CERTAIN REQUIREMENTS 
FOR SMALL PROJECTS. 
‘‘Notwithstanding any other provision of law, the re-
quirements of section 3 of the Housing and Urban Develop-
ment Act of 1968 (12 U.S.C. 1701u), and any imple-
menting regulations or guidance, shall not apply to an ac-
tivity assisted under this title that involves rehabilitation, 
construction, or other development of housing if— 
‘‘(1) the recipient of assistance under this title 
is— 
‘‘(A) a State recipient pursuant to section 
216; or 
‘‘(B) a participating jurisdiction that re-
ceived a total allocation of less than $3,000,000 
in the most recent fiscal year pursuant to section 
216; and 
‘‘(2) the total number of dwelling units assisted 
as a part of such activity is 50 or fewer.’’. 
(m) TECHNICAL AMENDMENTS.—The Cranston-Gon-
zalez National Affordable Housing Act (42 U.S.C. 12701 
et seq.) is amended— 
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(1) by striking ‘‘Stewart B. McKinney Homeless 
Assistance Act’’ each place it appears and inserting 
‘‘McKinney-Vento Homeless Assistance Act’’; and 
(2) by striking ‘‘Committee on Banking, Finance 
and Urban Affairs’’ each place it appears and insert-
ing ‘‘Committee on Financial Services’’. 
(n) REALLOCATION NOT AVAILABLE FOR CERTAIN JU-
RISDICTIONS.—Section 217(d) of the Cranston-Gonzalez 
National Affordable Housing Act (42 U.S.C. 12747(d)) is 
amended— 
(1) in paragraph (1), by striking the second sen-
tence and inserting the following: ‘‘Subject to para-
graph (4), jurisdictions eligible for such reallocations 
shall include participating jurisdictions and jurisdic-
tions meeting the requirements of this title, including 
the requirements in paragraphs (3), (4), and (5) of 
section 216.’’; and 
(2) by adding at the end the following: 
‘‘(4) REALLOCATION NOT AVAILABLE FOR CER-
TAIN JURISDICTIONS.—The Secretary may decline to 
make a reallocation available to a jurisdiction eligible 
for such reallocation if such jurisdiction has failed to 
meet or comply with any requirement under this 
title.’’. 
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(o) AMENDMENTS TO QUALIFICATION AS AFFORDABLE 
HOUSING.—Section 215(a) of the Cranston-Gonzalez Na-
tional Affordable Housing Act (42 U.S.C. 12745(a)) is 
amended— 
(1) in paragraph (1)(E), by striking ‘‘except 
upon a foreclosure by a lender (or upon other transfer 
in lieu of foreclosure) if such action (i) recognizes any 
contractual or legal rights of public agencies, non-
profit sponsors, or others to take actions that would 
avoid termination of low-income affordability in the 
case of foreclosure or transfer in lieu of foreclosure, 
and (ii) is not for the purpose of avoiding low income 
affordability restrictions, as determined by the Sec-
retary; and’’ and inserting the following: ‘‘except— 
‘‘(i) upon a foreclosure by a lender (or 
upon other transfer in lieu of foreclosure) if 
such action— 
‘‘(I) recognizes any contractual or 
legal rights of public agencies, non-
profit sponsors, or others to take ac-
tions that would avoid termination of 
low-income affordability in the case of 
foreclosure or transfer in lieu of fore-
closure; and 
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‘‘(II) is not for the purpose of 
avoiding low-income affordability re-
strictions, as determined by the Sec-
retary; or 
‘‘(ii) where existing affordable housing 
is no longer financially viable due to un-
foreseen acts or occurrences beyond the rea-
sonable contemplation or control of the par-
ticipating jurisdiction in which the afford-
able housing is located or the owner of the 
affordable housing that significantly impact 
the financial or physical condition of the af-
fordable housing, as determined by the Sec-
retary; and’’; and 
(2) by adding at the end the following: 
‘‘(8) SMALL-SCALE HOUSING.— 
‘‘(A) IN
GENERAL.—Small-scale housing 
shall qualify as affordable housing under this 
title if— 
‘‘(i) each dwelling unit in such housing 
bears rent in an amount that complies with 
the requirements described in paragraph 
(1)(A); 
‘‘(ii) each dwelling unit in such hous-
ing is occupied by a low-income family; 
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‘‘(iii) no dwelling unit in such housing 
is refused for leasing to a holder of a vouch-
er under section 8 of the United States 
Housing Act of 1937 (42 U.S.C. 1437f) be-
cause of the status of the prospective tenant 
as a holder of such voucher; 
‘‘(iv) such housing complies with the 
requirement described in paragraph (1)(E); 
and 
‘‘(v) the participating jurisdiction in 
which such small-scale housing is located 
monitors the compliance of such housing 
with the requirements of this title in a 
manner consistent with the purposes of sec-
tion 226(b), as determined by the Secretary. 
‘‘(B) SMALL-SCALE HOUSING DEFINED.—In 
this paragraph, the term ‘small-scale housing’ 
means housing with not more than 4 dwelling 
units each of which is made available for rent-
al.’’. 
(p) TENANT
AND PARTICIPANT PROTECTIONS
FOR 
SMALL-SCALE AFFORDABLE HOUSING.—Section 225 of the 
Cranston-Gonzalez National Affordable Housing Act (42 
U.S.C. 12755) is amended by adding at the end the fol-
lowing: 
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‘‘(e) EXCEPTION.—Paragraphs (2), (3), and (4) shall 
not apply to small-scale housing, as such term is defined 
in section 215(a)(7).’’. 
(q) REVISION OF DEFINITION OF COMMUNITY LAND 
TRUST.—Section 104 of the Cranston-Gonzalez National 
Affordable Housing Act (42 U.S.C. 12704) is amended by 
adding at the end the following: 
‘‘(27) The term ‘community land trust’ means a 
nonprofit entity, a State, a unit of local government 
or instrumentality of a State or unit of local govern-
ment that— 
‘‘(A) is not managed by, or an affiliate of, 
a for-profit organization; 
‘‘(B) has as a primary purpose of acquir-
ing, developing, or holding land to provide hous-
ing that is permanently affordable to low- and 
moderate-income persons; 
‘‘(C) monitors properties to ensure afford-
ability is preserved; 
‘‘(D) provides housing that is permanently 
affordable to low- and moderate-income persons 
using a ground lease, deed covenant, or other 
similar legally enforceable measure, determined 
acceptable by the Secretary, that— 
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‘‘(i) keeps housing affordable to low- 
and moderate-income persons for not less 
than 30 years; and 
‘‘(ii) enables low- and moderate-income 
persons to rent or purchase the housing for 
homeownership; and 
‘‘(E) maintains preemptive purchase op-
tions to purchase the property if such purchase 
would allow the housing to remain affordable to 
low-and moderate-income persons.’’. 
(r) CONFORMING AMENDMENTS.—The Cranston-Gon-
zalez National Affordable Housing Act (42 U.S.C. 12701 
et seq.) is amended— 
(1) in section 233 by striking subsection (f); and 
(2) in section 233(b)(6), by striking ‘‘to commu-
nity land trusts (as such term is defined in subsection 
(f))’’ and inserting ‘‘to community land trusts (as 
such term is defined in section 104)’’. 
(s) MINIMUM ALLOCATIONS.—Section 217(b) of the 
Cranston-Gonzalez National Affordable Housing Act (42 
U.S.C. 12747 (b)) is amended— 
(1) in paragraph (2), by striking ‘‘$500,000’’ 
each 
place 
that 
term 
appears 
and 
inserting 
‘‘$750,000’’; 
(2) in paragraph (3)— 
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(A) by striking ‘‘jurisdictions that are allo-
cated an amount of $500,000 or more’’ and in-
serting ‘‘jurisdictions that are allocated an 
amount of $750,000 or more’’; 
(B) by striking ‘‘that are allocated an 
amount less than $500,000’’ and inserting ‘‘that 
are allocated an amount less than $500,000 be-
fore the date of the enactment of the Housing for 
the 21st Century Act or less than $750,000 on or 
after the date of the enactment of the Housing for 
the 21st Century Act’’; and 
(C) by striking ‘‘, except as provided in 
paragraph (4)’’; and 
(3) by striking paragraph (4). 
(t) ADDITIONAL
TECHNICAL
CORRECTIONS.—The 
Cranston-Gonzalez National Affordable Housing Act (42 
U.S.C. 12701 et seq.) is amended— 
(1) in section 108(a)(1), by striking ‘‘section 
105(b)(15)’’ and inserting ‘‘section 105(b)(18)’’; and 
(2) in section 217(b)(1)(F), by striking ‘‘Sub-
committee on Housing and Community Development’’ 
and inserting ‘‘Subcommittee on Housing, Transpor-
tation, and Community Development’’. 
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SEC. 202. COMMUNITY DEVELOPMENT FUND AMENDMENTS. 
(a) IDENTIFYING REGULATORY BARRIERS TO HOUS-
ING SUPPLY.—Section 104 of the Housing and Community 
Development Act of 1974 (42 U.S.C. 5304) is amended by 
adding at the end the following: 
‘‘(n) PLAN TO TRACK AND REDUCE OVERLY BURDEN-
SOME LAND USE POLICIES.— 
‘‘(1) IN GENERAL.—Beginning 1 year after the 
date of the enactment of this subsection, prior to re-
ceipt in any fiscal year of a grant from the Secretary 
under subsection (b), (d)(1), or (d)(2)(B) of section 
106, each recipient shall have prepared and sub-
mitted, not less frequently than once during the pre-
ceding 5-year period, a description of— 
‘‘(A) whether the jurisdiction served by the 
recipient has adopted any of the types of land 
use policies described in paragraph (2) during 
the preceding 5-year period; 
‘‘(B) the plans the jurisdiction served by the 
recipient has to adopt and implement any of the 
types of land use policies described in paragraph 
(2); and 
‘‘(C) any ways in which the jurisdiction 
served by the recipient expects the planned adop-
tion of any of the types of land use policies de-
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scribed in paragraph (2) would benefit the juris-
diction. 
‘‘(2) TYPES OF LAND USE POLICIES.—The types 
of policies to be considered for the purposes of the sub-
mission of information required under paragraph (1) 
include the following: 
‘‘(A) Expanding by-right multifamily zoned 
areas. 
‘‘(B) 
Allowing 
duplexes, 
triplexes, 
or 
fourplexes in areas zoned primarily for single- 
family residential homes. 
‘‘(C) Allowing manufactured homes in areas 
zoned primarily for single-family residential 
homes. 
‘‘(D) Allowing multifamily development in 
retail, office, and light manufacturing zones. 
‘‘(E) Allowing single-room occupancy devel-
opment wherever multifamily housing is allowed. 
‘‘(F) Reducing minimum lot size. 
‘‘(G) Ensuring historic preservation re-
quirements and other land use policies or re-
quirements are coordinated to encourage creation 
of housing in historic buildings and historic dis-
tricts. 
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‘‘(H) Increasing the allowable floor area 
ratio by allowing a higher ratio of total floor 
area in a building in comparison to its lot size. 
‘‘(I) Creating transit-oriented development 
zones. 
‘‘(J) Streamlining or shortening permitting 
processes and timelines, including through one- 
stop and parallel-process permitting. 
‘‘(K) Eliminating or reducing off-street 
parking requirements. 
‘‘(L) Ensuring impact and utility invest-
ment fees accurately reflect required infrastruc-
ture needs and related impacts on housing af-
fordability are otherwise mitigated. 
‘‘(M) Allowing off-site construction, includ-
ing prefabricated construction. 
‘‘(N) Reducing or eliminating minimum 
unit square footage requirements. 
‘‘(O) Allowing the conversion of office units 
to apartments. 
‘‘(P) Allowing the subdivision of single-fam-
ily homes into duplexes. 
‘‘(Q) Allowing accessory dwelling units, in-
cluding detached accessory dwelling units, on all 
lots with single-family homes. 
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‘‘(R) Establishing density bonuses. 
‘‘(S) Eliminating or relaxing residential 
property height limitations. 
‘‘(T) Using property tax abatements to en-
able higher density and mixed-income commu-
nities. 
‘‘(U) Donating vacant land for affordable 
housing development. 
‘‘(V) Enacting other relevant high-density, 
single-family, and multifamily zoning policies 
that the recipient chooses to report. 
‘‘(3) EFFECT
OF
SUBMISSION.—A submission 
under this subsection shall not be binding with respect 
to the use or distribution of amounts received under 
section 106. 
‘‘(4) 
ACCEPTANCE
OR
NONACCEPTANCE
OF 
PLAN.—The acceptance or nonacceptance of any plan 
submitted under this subsection in which the informa-
tion required under this subsection is provided may 
not be considered an endorsement or approval of the 
plan, policies, or methodologies, or lack thereof. 
‘‘(5) PROHIBITION ON USE OF INFORMATION FOR 
ENFORCEMENT.—Information provided by a recipient 
to the Secretary under this subsection may not be 
used as the basis for any enforcement action.’’. 
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(b) ADDITION OF AFFORDABLE HOUSING CONSTRUC-
TION AS AN ELIGIBLE ACTIVITY.— 
(1) ELIGIBLE ACTIVITY.—Section 105(a) of the 
Housing and Community Development Act of 1974 
(42 U.S.C. 5305(a)) is amended— 
(A) in paragraph (25)(D), by striking 
‘‘and’’ at the end; 
(B) in paragraph (26), by striking the pe-
riod at the end and inserting ‘‘; and’’; and 
(C) by adding at the end the following new 
paragraph: 
‘‘(27) the new construction of affordable housing, 
within the meaning given such term under section 
215 of the Cranston-Gonzalez National Affordable 
Housing Act (42 U.S.C. 12745), and which shall not 
exceed 20-percent of the amounts allocated to the re-
cipient.’’. 
(2) LOW- AND
MODERATE-INCOME
REQUIRE-
MENT.—Section 105(c)(3) of the Housing and Com-
munity Development Act of 1974 (42 U.S.C. 
5305(c)(3)) is amended by striking ‘‘or rehabilita-
tion’’ and inserting ‘‘, rehabilitation, or new con-
struction’’. 
(3) APPLICABILITY.—The amendments made by 
this subsection shall apply with respect only to 
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amounts appropriated after the date of the enactment 
of this Act. 
(c) DATABASES OF PUBLICLY OWNED LAND.— 
(1) IN GENERAL.—Section 104(b) of the Housing 
and Community Development Act of 1974 (42 U.S.C. 
5304(b)) is amended— 
(A) in paragraph (5), by striking ‘‘and’’ at 
the end; 
(B) in paragraph (6), by striking the period 
at the end and inserting ‘‘; and’’; and 
(C) by adding at the end the following: 
‘‘(7) the grantee maintains, on a publicly acces-
sible website, a searchable database that identifies all 
parcels of undeveloped land owned by the grantee.’’. 
(2) EFFECTIVE DATE.—The amendments made 
by this subsection shall take effect on October 1, 2026. 
SEC. 203. GRANTS FOR PLANNING AND IMPLEMENTATION 
ASSOCIATED WITH AFFORDABLE HOUSING. 
(a) IN GENERAL.—The Secretary of Housing and 
Urban Development shall, not later than 1 year after the 
date of the enactment of this section, establish a program 
to award grants on a competitive basis to eligible entities 
to assist planning and implementation activities associated 
with affordable housing. 
(b) USE OF AMOUNTS.— 
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(1) BY REGIONAL PLANNING AGENCIES.—If an 
eligible entity that receives amounts under this sec-
tion is a regional planning agency or consortia of re-
gional planning agencies, such eligible entity shall use 
such amounts to assist planning activities with re-
spect to affordable housing, including— 
(A) the development of housing plans; 
(B) the substantial improvement of State or 
local housing strategies; 
(C) the development of new regulatory re-
quirements and processes; 
(D) updating zoning codes; 
(E) increasing the capacity to conduct hous-
ing inspections; 
(F) increasing the capacity to reduce bar-
riers to housing supply elasticity and housing 
affordability; 
(G) the development of local or regional 
plans for community development; and 
(H) the substantial improvement of commu-
nity development strategies, including strategies 
designed to— 
(i) increase the availability of afford-
able housing and access to affordable hous-
ing; 
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(ii) increase access to public transpor-
tation; and 
(iii) advance sustainable or location-ef-
ficient community development goals. 
(2) BY STATES, INSULAR AREAS, METROPOLITAN 
CITIES, AND URBAN COUNTIES.—If an eligible entity 
that receives amounts under this section is a State, 
insular area, metropolitan city, or urban county, 
such eligible entity shall use such amounts to— 
(A) implement and administer housing 
strategies and housing plans; 
(B) implement and administer any plans to 
increase housing choice, address disparities in 
housing needs, and provide greater access to op-
portunity; 
(C) fund any community investments that 
support goals identified in a housing strategy or 
housing plan; 
(D) implement and administer regulatory 
requirements and processes with respect to re-
formed zoning codes; 
(E) increase the capacity to conduct hous-
ing inspections; 
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(F) increase the capacity to reduce barriers 
to housing supply elasticity and housing afford-
ability; 
(G) implement and administer local or re-
gional plans for community development; and 
(H) fund any planning to increase— 
(i) the availability of affordable hous-
ing and access to affordable housing; 
(ii) access to public transportation; 
and 
(iii) any location-efficient community 
development goals. 
(3) USE FOR ADMINISTRATIVE COSTS.—A eligible 
entity that receives amounts under this section may 
not use more than 10-percent of such amounts for ad-
ministrative costs. 
(c) COORDINATION.—To the extent practicable, the 
Secretary shall coordinate with the Federal Transit Admin-
istrator in carrying out this section. 
(d) ADDITIONAL USES OF AMOUNTS.— 
(1) HOUSING CONSTRUCTION.—Expenditures on 
new construction of housing shall be an eligible ex-
pense under this section. 
(2) BUILDINGS FOR GENERAL CONDUCT OF GOV-
ERNMENT.—Expenditures on building for the general 
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conduct of government, other than the Federal Gov-
ernment, shall be eligible under this section when nec-
essary and appropriate as a part of a natural hazard 
mitigation project. 
(e) DEFINITIONS.—In this subsection: 
(1) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’ means— 
(A) a State, insular area, metropolitan city, 
or urban county, as such terms are defined in 
section 102 of the Housing and Community De-
velopment Act of 1974; or 
(B) a regional planning agency or consortia 
of regional planning agencies. 
(2) HOUSING PLAN.—The term ‘‘housing plan’’ 
means a plan to, with respect to an area within the 
jurisdiction of an eligible entity— 
(A) increase the amount of available hous-
ing to meet the demand for such housing and 
any projected increase in the demand for such 
housing; 
(B) increase the affordability of housing; 
(C) increase the accessibility of housing for 
people with disabilities, including location-effi-
cient housing; 
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(D) preserve or improve the quality of hous-
ing; 
(E) reduce barriers to housing development; 
and 
(F) coordinate with transportation-related 
agencies. 
(3) HOUSING
STRATEGY.—The term ‘‘housing 
strategy’’ means a housing strategy required under 
section 105 of the Cranston-Gonzalez National Afford-
able Housing Act. 
SEC. 204. RURAL HOUSING SERVICE PROGRAM IMPROVE-
MENTS. 
(a) IN GENERAL.—Section 504(a) of the Housing Act 
of 1949 (42 U.S.C. 1474(a)) is amended— 
(1) in the first sentence, by inserting ‘‘and may 
make a loan to an eligible low-income applicant’’ 
after ‘‘applicant’’; and 
(2) 
by 
striking 
‘‘$7,500’’ 
and 
inserting 
‘‘$15,000’’. 
(b) ANNUAL REPORT
ON RURAL HOUSING PRO-
GRAMS.—Title V of the Housing Act of 1949 (42 U.S.C. 
1471 et seq.), as amended by this section, is amended by 
adding at the end the following: 
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‘‘SEC. 545. ANNUAL REPORT. 
‘‘(a) IN GENERAL.—The Secretary shall submit to the 
Committee on Financial Services of the House of Represent-
atives and the Committee on Banking, Housing, and Urban 
Affairs of the Senate and publish on a website of the De-
partment of Agriculture an annual report on the rural 
housing programs carried out under this title. 
‘‘(b) CONTENTS.—The report required under sub-
section (a) shall include significant details on the informa-
tion about the health of the programs carried out by the 
Rural Housing Service, including— 
‘‘(1) raw data about loan performance that can 
be sorted by program and region; 
‘‘(2) a description of the housing stock of such 
programs; 
‘‘(3) information about why properties end par-
ticipation in such programs, including maturation 
prepayment, foreclosure, or other servicing issues; and 
‘‘(4) risk ratings for properties assisted under 
such programs. 
‘‘(c) PROTECTION OF INFORMATION.—Data included 
in a report required under subsection (a) may be aggregated 
or anonymized to protect the financial information and 
personal information of program participants.’’. 
(c) APPLICATION REVIEW.— 
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(1) SENSE OF CONGRESS.—It is the sense of the 
Congress, not later than 90 days after the date on 
which the Secretary of Agriculture receives an appli-
cation for a loan, grant or combined loan and grant 
under section 502 or 504 of the Housing Act of 1949 
(42 U.S.C. 1472, 1474), the Secretary of Agriculture 
should— 
(A) review the application; 
(B) complete the underwriting; 
(C) make a determination of eligibility with 
respect to the application; and 
(D) notify the applicant of determination. 
(2) REPORT.— 
(A) IN GENERAL.—Not later than 90 days 
after the date of enactment of this Act, and an-
nually thereafter until the date described in sub-
paragraph (B), the Secretary of Agriculture shall 
submit to the Committee on Banking, Housing, 
and Urban Affairs of the Senate and the Com-
mittee on Financial Services of the House of 
Representatives a report that— 
(i) details the timeliness of eligibility 
determinations and final determinations 
with respect to applications under section 
502 and 504 of the Housing Act of 1949 (42 
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U.S.C. 1472, 1474), including justifications 
for any eligibility determinations taking 
longer than 90 days; and 
(ii) includes recommendations to short-
en the timeline for notifications of eligi-
bility determinations described in subpara-
graph (A) to not more than 90 days. 
(B) DATE DESCRIBED.—The date described 
in this paragraph is the date on which, during 
the preceding 5-year period, the Secretary of Ag-
riculture provides each eligibility determination 
described in subparagraph (A) during the 90-day 
period beginning on the date on which each ap-
plication is received. 
(d) GAO REPORT
ON RURAL HOUSING SERVICE 
TECHNOLOGY.—Not later than 1 year after the date of en-
actment of this Act, the Comptroller General of the United 
States shall submit to the Congress a report that includes— 
(1) an analysis of how the outdated technology 
used by the Rural Housing Service impacts partici-
pants in the programs of the Rural Housing Service; 
(2) an estimate of the amount of funding that is 
needed to modernize the technology used by the Rural 
Housing Service; and 
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(3) an estimate of the number and type of new 
employees the Rural Housing Service needs to mod-
ernize the technology used by the Rural Housing 
Service. 
SEC. 205. CHOICE IN AFFORDABLE HOUSING. 
(a) PREAPPROVAL OF UNITS.—Section 8(o)(8)(A) of 
the United States Housing Act of 1937 (42 U.S.C. 
1437f(o)(8)(A)) is amended by adding at the end the fol-
lowing: 
‘‘(iv) INITIAL
INSPECTION
PRIOR
TO 
LEASE AGREEMENT.— 
‘‘(I) DEFINITION.—In this clause, 
the term ‘new landlord’ means an 
owner of a dwelling unit who has not 
previously entered into a housing as-
sistance payment contract with a pub-
lic housing agency under this sub-
section for any dwelling unit. 
‘‘(II) EARLY INSPECTION.—Upon 
the request of a new landlord, a public 
housing agency may inspect the dwell-
ing unit owned by the new landlord to 
determine whether the unit meets the 
housing quality standards under sub-
paragraph (B) before the unit is se-
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lected by a family assisted under this 
subsection. 
‘‘(III) EFFECT.—An inspection 
conducted under subclause (II) that de-
termines that the dwelling unit meets 
the housing quality standards under 
subparagraph (B) shall satisfy the re-
quirements in this subparagraph and 
subparagraph (C) if the new landlord 
enters into a lease agreement with a 
family assisted under this subsection 
not later than 60 days after the date of 
the inspection. 
‘‘(IV) INFORMATION WHEN FAMILY 
IS SELECTED.—When a public housing 
agency selects a family to participate 
in the tenant-based assistance program 
under this subsection, the public hous-
ing agency shall include in the infor-
mation provided to the family a list of 
dwelling units that have been inspected 
under subclause (II) and determined to 
meet the housing quality standards 
under subparagraph (B).’’. 
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(b) SATISFACTION
OF INSPECTION REQUIREMENTS 
THROUGH
PARTICIPATION
IN
OTHER
HOUSING
PRO-
GRAMS.—Section 8(o)(8) of the United States Housing Act 
of 1937 (42 U.S.C. 1437f(o)(8)) is amended by adding at 
the end the following: 
‘‘(I) SATISFACTION
OF
INSPECTION
RE-
QUIREMENTS
THROUGH
PARTICIPATION
IN 
OTHER HOUSING PROGRAMS.— 
‘‘(i) LOW-INCOME HOUSING TAX CRED-
IT-FINANCED BUILDINGS.—A dwelling unit 
shall be deemed to meet the inspection re-
quirements under this paragraph if— 
‘‘(I) the dwelling unit is in a 
building, the acquisition, rehabilita-
tion, or construction of which was fi-
nanced by a person who received a 
low-income housing tax credit under 
section 42 of the Internal Revenue 
Code of 1986 in exchange for that fi-
nancing; 
‘‘(II) the dwelling unit was phys-
ically inspected and passed inspection 
as part of the low-income housing tax 
credit program described in subclause 
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(I) during the preceding 12-month pe-
riod; and 
‘‘(III) the applicable public hous-
ing agency is able to obtain the results 
of the inspection described in subclause 
(II). 
‘‘(ii) HOME
INVESTMENT
PARTNER-
SHIPS
PROGRAM.—A dwelling shall be 
deemed to meet the inspection requirements 
under this paragraph if— 
‘‘(I) the dwelling unit is assisted 
under the HOME Investment Partner-
ships Program under title II of the 
Cranston-Gonzalez National Affordable 
Housing Act; 
‘‘(II) the dwelling unit was phys-
ically inspected and passed inspection 
as part of the program described in 
subclause (I) during the preceding 12- 
month period; and 
‘‘(III) the applicable public hous-
ing agency is able to obtain the results 
of the inspection described in subclause 
(II). 
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‘‘(iii) RURAL
HOUSING
SERVICE.—A 
dwelling unit shall be deemed to meet the 
inspection requirements under this para-
graph if— 
‘‘(I) the dwelling unit is assisted 
by the Rural Housing Service of the 
Department of Agriculture; 
‘‘(II) the dwelling unit was phys-
ically inspected and passed inspection 
in connection with the assistance de-
scribed in subclause (I) during the pre-
ceding 12-month period; and 
‘‘(III) the applicable public hous-
ing agency is able to obtain the results 
of the inspection described in subclause 
(II). 
‘‘(iv) REMOTE
OR
VIDEO
INSPEC-
TIONS.—When complying with inspection 
requirements for a housing unit located in 
a rural or small area using assistance 
under this subtitle, the Secretary may allow 
a grantee to conduct a remote or video in-
spection of a unit provided that the remote 
or video inspection— 
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‘‘(I) covers a substantially similar 
review of the relevant aspects of the 
unit compared to an in-person inspec-
tion; 
‘‘(II) does not misrepresent the 
condition of the unit; and 
‘‘(III) provides the information 
necessary to fully and accurately 
evaluate the conditions of the unit to 
ensure that the unit meets the applica-
ble standards. 
‘‘(v) RULE OF CONSTRUCTION.—Noth-
ing in clause (i), (ii), (iii), or (iv) may be 
construed to affect the operation of a hous-
ing program described in, or authorized 
under a provision of law described in, that 
clause.’’. 
TITLE 
III—EXPANDING 
MANU-
FACTURED AND AFFORDABLE 
HOUSING FINANCE OPPORTU-
NITIES 
SEC. 301. MANUFACTURED HOUSING INNOVATIONS. 
(a) IN GENERAL.—Section 603(6) of the National 
Manufactured Housing Construction and Safety Standards 
Act of 1974 (42 U.S.C. 5402(6)) is amended by striking 
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‘‘on a permanent chassis’’ and inserting ‘‘with or without 
a permanent chassis’’. 
(b) STANDARDS FOR MANUFACTURED HOMES BUILT 
WITHOUT A PERMANENT CHASSIS.—Section 604(a) of the 
National Manufactured Housing Construction and Safety 
Standards Act of 1974 (42 U.S.C. 5403) is amended by 
adding at the end the following: 
‘‘(7) STANDARDS
FOR
MANUFACTURED
HOMES 
BUILT WITHOUT A PERMANENT CHASSIS.— 
‘‘(A) IN
GENERAL.—The Secretary shall 
issue revised standards for manufactured homes 
built without a permanent chassis and shall con-
sult with the consensus committee in the develop-
ment of such revised standards, using the process 
described in paragraph (4). 
‘‘(B) CREATING
FINAL
STANDARDS.—The 
Secretary shall, after consulting and conferring 
with the consensus committee, establish stand-
ards to ensure manufactured homes without a 
permanent chassis have— 
‘‘(i) a distinct label to be issued by the 
Secretary 
distinguishing 
manufactured 
homes built without a permanent chassis 
from manufactured homes built on a per-
manent chassis; 
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‘‘(ii) a data plate, as described in sec-
tion 3280.5 of title 24, Code of Federal Reg-
ulations, 
distinguishing 
manufactured 
homes built without a permanent chassis 
from manufactured homes built on a per-
manent chassis; and 
‘‘(iii) a notation on any invoice pro-
duced by the manufacturer of a manufac-
tured home that is distinguishable from the 
invoice for a manufactured home con-
structed with a permanent chassis.’’. 
(c) MANUFACTURED HOME STANDARDS AND CERTIFI-
CATIONS.—Section 604 of the National Manufactured 
Housing Construction and Safety Standards Act of 1974 
(42 U.S.C. 5403) is amended by adding at the end the fol-
lowing: 
‘‘(i) MANUFACTURED HOME STANDARDS AND CER-
TIFICATIONS.— 
‘‘(1) IN GENERAL.— 
‘‘(A) INITIAL
CERTIFICATION.—Subject to 
subparagraph (B), not later than 1 year after 
the date of enactment of this subsection, a State 
shall submit to the Secretary an initial certifi-
cation that the laws and regulations of the 
State— 
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‘‘(i) treat a manufactured home with-
out a chassis in parity with a manufac-
tured home (as defined and regulated by the 
State); and 
‘‘(ii) subject a manufactured home 
without a permanent chassis to the same 
laws and regulations of the State as a man-
ufactured home built on a permanent chas-
sis with respect to financing, title, insur-
ance, manufacture, sale, taxes, transpor-
tation, installation, and other areas as the 
Secretary determines, after consultation 
with and approval by the consensus com-
mittee, are necessary to give effect to the 
purpose of this section. 
‘‘(B) STATE PLAN SUBMISSION.—Any State 
plan submitted under section 623(c) of the Na-
tional Manufactured Housing Construction and 
Safety Standards Act of 1974 (42 U.S.C. 
5422(c)) shall contain the required State certifi-
cation under subparagraph (A) or paragraph (3) 
and, if contained therein, no additional or State 
certification under subparagraph (A) or para-
graph (3). 
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‘‘(C) EXTENDED DEADLINE.—With respect 
to a State with a legislature that meets bienni-
ally, the deadline for the submission of the ini-
tial certification required under subparagraph 
(A) shall be 2 years after the date of enactment 
of this subsection. 
‘‘(D) LATE CERTIFICATION.— 
‘‘(i) NO WAIVER.—The Secretary may 
not waive the prohibition described in para-
graph (5)(B) with respect to a certification 
submitted after the deadline under subpara-
graph (A) or paragraph (3) unless the Sec-
retary approves the late certification. 
‘‘(ii) RULE OF CONSTRUCTION.—Noth-
ing in this subsection shall be construed to 
prevent a State from submitting the initial 
certification required under subparagraph 
(A) after the required deadline under that 
subparagraph. 
‘‘(2) FORM OF STATE CERTIFICATION NOT PRE-
SENTED IN A STATE PLAN.—The initial certification 
required under paragraph (1)(A), if not submitted 
with a State plan under paragraph (1)(B), shall con-
tain, in a form prescribed by the Secretary, an attes-
tation by an official that the State has taken the steps 
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necessary to ensure the veracity of the certification re-
quired under paragraph (1)(A), including, as nec-
essary, by— 
‘‘(A) amending the definition of ‘manufac-
tured home’ in the laws and regulations of the 
State; and 
‘‘(B) directing State agencies to amend the 
definition of ‘manufactured home’ in regulations. 
‘‘(3) ANNUAL RECERTIFICATION.—Not later than 
a date to be determined by the Secretary each year, 
a State shall submit to the Secretary an additional 
certification that— 
‘‘(A) confirms the accuracy of the initial 
certification submitted under subparagraph (A) 
or (B) of paragraph (1); and 
‘‘(B) certifies that any new laws or regula-
tions enacted or adopted by the State since the 
date of the previous certification do not change 
the veracity of the initial certification submitted 
under paragraph (1)(A). 
‘‘(4) LIST.—The Secretary shall publish and 
maintain in the Federal Register and on the website 
of the Department of Housing and Urban Develop-
ment a list of States that are up-to-date with the sub-
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mission of initial and subsequent certifications re-
quired under this subsection. 
‘‘(5) PROHIBITION.— 
‘‘(A) DEFINITION.—In this paragraph, the 
term ‘covered manufactured home’ means a home 
that is— 
‘‘(i) not considered a manufactured 
home under the laws and regulations of a 
State because the home is constructed with-
out a permanent chassis; 
‘‘(ii) considered a manufactured home 
under the definition of the term in section 
603; and 
‘‘(iii) constructed after the date of en-
actment of this subsection. 
‘‘(B) 
BUILDING, 
INSTALLATION, 
AND 
SALE.—If a State does not submit a certification 
under paragraph (1)(A) or paragraph (3) by the 
date on which those certifications are required to 
be submitted— 
‘‘(i) with respect to a State in which 
the State administers the installation of 
manufactured homes, the State shall pro-
hibit the manufacture, installation, or sale 
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of a covered manufactured home within the 
State; and 
‘‘(ii) with respect to a State in which 
the Secretary administers the installation of 
manufactured homes, the State and the Sec-
retary shall prohibit the manufacture, in-
stallation, or sale of a covered manufactured 
home within the State.’’. 
(d) OTHER FEDERAL LAWS REGULATING MANUFAC-
TURED HOMES.—The Secretary of Housing and Urban De-
velopment may coordinate with the heads of other Federal 
agencies to ensure that Federal agencies treat a manufac-
tured home (that is defined in Federal laws and regulations 
other than section 603 of the National Manufactured Hous-
ing Construction and Safety Standards Act of 1974 (42 
U.S.C. 5402)) in the same manner as a manufactured home 
(that is defined in section 603 of the National Manufactured 
Housing Construction and Safety Standards Act of 1974 
(42 U.S.C. 5402)), as amended by this Act. 
(e) ASSISTANCE TO STATES.—Section 609 of the Na-
tional Manufactured Housing Construction and Safety 
Standards Act of 1974 (42 U.S.C. 5408) is amended— 
(1) in paragraph (1), by striking ‘‘and’’ at the 
end; 
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(2) in paragraph (2), by striking the period at 
the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following: 
‘‘(3) model guidance to support the submission of 
the certification required under section 604(i).’’. 
(f) PREEMPTION.—Nothing in this section or the 
amendments made by this section may be construed as lim-
iting the scope of Federal preemption under section 604(d) 
of the National Manufactured Housing Construction and 
Safety Standards Act of 1974 (42 U.S.C. 5403(d)). 
(g) PRIMARY AUTHORITY TO ESTABLISH MANUFAC-
TURED HOME CONSTRUCTION AND SAFETY STANDARDS.— 
The National Manufactured Housing Construction and 
Safety Standards Act of 1974 (42 U.S.C. 5401 et seq.) is 
further amended— 
(1) in section 603(7), by inserting ‘‘energy effi-
ciency,’’ after ‘‘design,’’; and 
(2) in section 604, by adding at the end the fol-
lowing: 
‘‘(j) PRIMARY AUTHORITY
TO ESTABLISH STAND-
ARDS.— 
‘‘(1) IN GENERAL.—The Secretary shall have the 
primary authority to establish Federal manufactured 
home construction and safety standards. 
‘‘(2) APPROVAL FROM SECRETARY.— 
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‘‘(A) IN GENERAL.—The head of any Fed-
eral agency that seeks to establish a manufac-
tured home construction and safety standard on 
or after the date of the enactment of this sub-
section— 
‘‘(i) shall submit to the Secretary a 
proposal describing such standard; and 
‘‘(ii) may not establish such standard 
without approval from the Secretary. 
‘‘(B) REJECTION OF STANDARDS.—The Sec-
retary shall reject a standard submitted to the 
Secretary for approval under subparagraph 
(A)— 
‘‘(i) if the standard would significantly 
increase the cost of producing manufactured 
homes, as determined by the Secretary; 
‘‘(ii) if the standard would conflict 
with existing manufactured home construc-
tion and safety standards established by the 
Secretary; or 
‘‘(iii) for any other reason as deter-
mined appropriate by the Secretary. 
‘‘(C) RULE OF CONSTRUCTION.—Nothing in 
this subsection may be construed to require the 
Secretary to establish new or revised Federal 
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manufactured home construction and safety 
standards.’’. 
SEC. 302. FHA SMALL-DOLLAR MORTGAGES. 
(a) IN GENERAL.—Not later than 1 year after the date 
of the enactment of this section, the Secretary of Housing 
and Urban Development, acting through the Federal Hous-
ing Commissioner, may establish a pilot program to in-
crease access to small-dollar mortgages for mortgagors 
which may include— 
(1) authorizing direct payments to mortgagees to 
incentivize the origination of small-dollar mortgages; 
(2) adjusting terms and costs imposed by the 
Federal Housing Administration with respect to 
small-dollar mortgages; 
(3) providing direct grants for mortgagors who 
obtain small-dollar mortgages to cover costs associated 
with— 
(A) down payments; 
(B) closing costs; 
(C) appraisals; and 
(D) title insurance; 
(4) conducting outreach to potential mortgagors 
about the availability of small-dollar mortgages; and 
(5) providing technical assistance for mortgagees 
that originate small-dollar mortgages. 
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(b) REPORT.—Beginning not later than 1 year after 
the establishment of the pilot program under subsection (a) 
and ending 1 year after the sunset of the pilot program, 
the Federal Housing Commissioner shall submit to the Con-
gress an annual report that— 
(1) tracks and evaluates the outcomes of small- 
dollar mortgages originated by mortgagees as a result 
of support provided under subsection (a); 
(2) analyzes risks of the pilot program to the sol-
vency of the Mutual Mortgage Insurance Fund; 
(3) includes data with respect to— 
(A) the number of small-dollar mortgages 
originated in the 10-year period preceding the 
date of the enactment of this section, including 
small-dollar mortgages insured or guaranteed by 
the Federal Government and small-dollar mort-
gages not insured by the Federal Government; 
(B) the original principal balance of each 
small-dollar mortgage identified under subpara-
graph (A); 
(C) demographic information about the 
mortgagors associated with each such small-dol-
lar mortgages; and 
(D) the number and type of mortgagees that 
offer small-dollar mortgages; 
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(4) provides a description of the fixed costs that 
are associated with mortgages and the impact of such 
costs on the ability of lenders to earn a market rate 
return on small-dollar mortgages; and 
(5) includes analysis, by regions of the United 
States, including rural regions, that identifies regions 
with the greatest need for, and the highest likelihood 
of, the origination of small-dollar mortgages and re-
gions that could benefit the most from increased 
availability of small-dollar mortgages. 
(c) SUNSET.—The pilot program established under 
subsection (a) shall terminate on the date that is 4 years 
after the date on which the pilot program is established 
under subsection (a). 
(d) EXPIRATION OF AUTHORITY.—After the expiration 
of the 3-year period beginning on the date of enactment of 
this section, neither the Federal Housing Commissioner nor 
the Secretary of Housing and Urban Development may 
newly establish a pilot program to increase access to small- 
dollar mortgages for mortgagors. 
(e) SMALL-DOLLAR MORTGAGE DEFINED.—The term 
‘‘small-dollar mortgage’’ means a mortgage that— 
(1) has an original principal balance of 
$100,000 or less; and 
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(2) is secured by a 1- to 4-unit property that is 
the principal residence of the mortgagor. 
SEC. 303. COMMUNITY INVESTMENT AND PROSPERITY. 
(a) REVISED STATUTES.—The paragraph designated 
as the ‘‘Eleventh’’ of section 5136 of the Revised Statutes 
of the United States (12 U.S.C. 24) is amended, in the fifth 
sentence, by striking ‘‘15’’ each place it appears and insert-
ing ‘‘20’’. 
(b) FEDERAL RESERVE ACT.—Section 9(23) of the 
Federal Reserve Act (12 U.S.C. 338a) is amended, in the 
fifth sentence, by striking ‘‘15’’ each place it appears and 
inserting ‘‘20’’. 
(c) STUDY.—Not later than 2 years after the date of 
the enactment of this section, and every 2 years thereafter, 
the Comptroller of the Currency and the Board of Governors 
of the Federal Reserve System shall each submit to the Com-
mittee on Financial Services of the House of Representa-
tives and the Committee on Banking, Housing, and Urban 
Affairs of the Senate, a report, after consulting with the 
other agency in the development of such report, about public 
welfare investments that were made by associations under 
section 5136 of the Revised Statutes of the United States 
and State member banks under section 9(23) of the Federal 
Reserve Act in the 2 previous calendar years, that— 
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(1) identifies the number of such investments, 
broken down by— 
(A) purpose; 
(B) type; 
(C) amount of assets of the association or 
State member bank that made the investment, 
using not less than 4 categories to describe the 
amount of assets of the associations and banks; 
and 
(D) State, or other location; 
(2) identifies the dollar amounts of such invest-
ments, broken down by— 
(A) purpose; 
(B) type; 
(C) amount of assets of the association or 
State member bank that made the investment, 
using not less than 4 categories to describe the 
amount of assets of the associations and banks; 
and 
(D) State or other location; and 
(3) for each type of public welfare investment 
identified under paragraphs (1) and (2), a descrip-
tion of the substantive and procedural requirements 
that apply to each type of investment made under— 
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(A) in the case of a report by the Comp-
troller of the Currency, section 5136 of the Re-
vised Statutes of the United States; or 
(B) in the case of a report by the Board of 
Governors, section 9(23) of the Federal Reserve 
Act. 
TITLE 
IV—PROTECTING 
BOR-
ROWERS AND ASSISTED FAMI-
LIES 
SEC. 401. EXCLUSION OF CERTAIN DISABILITY BENEFITS. 
(a) IN GENERAL.—Section 3(b)(4)(B) of the United 
States Housing Act of 1937 (42 U.S.C. 1437a(b)(4)(B)) is 
amended— 
(1) by redesignating clauses (iv) and (v) as 
clauses (vi) and (vii), respectively; and 
(2) by inserting after clause (iii) the following: 
‘‘(iv) with respect to the supported 
housing program under section 8(o)(19), 
any disability benefits received under chap-
ter 11 or chapter 15 of title 38, United 
States Code, received by a veteran, except 
that this exclusion may not apply to the 
definition of adjusted income; 
‘‘(v) with respect to any household re-
ceiving rental assistance under the sup-
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100 
ported housing program under section 
8(o)(19) as it relates to eligibility for other 
types of housing assistance, any disability 
benefits received under chapter 11 or chap-
ter 15 of title 38, United States Code, re-
ceived by a veteran, except that this exclu-
sion may not apply to the definition of ad-
justed income;’’. 
(b) SERVICE-CONNECTED
DISABILITY
COMPENSA-
TION.—Section 102(a)(20) of the Housing and Community 
Development Act of 1974 (42 U.S.C. 5302(a)(20)) is amend-
ed by adding at the end the following: 
‘‘(C) SERVICE-CONNECTED DISABILITY COM-
PENSATION.—When determining whether a per-
son is a person of low- and moderate-income, a 
person of low-income or a person of moderate-in-
come under this paragraph, a State, unit of gen-
eral local government, or Indian Tribe shall ex-
clude any service-connected disability compensa-
tion received by such person from the Depart-
ment of Veterans Affairs.’’. 
(c) TREATMENT OF CERTAIN DISABILITY BENEFITS.— 
When determining the eligibility of a veteran to rent a resi-
dential dwelling unit constructed on Department property 
on or after the date of the enactment of this Act, for which 
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101 
assistance is provided as part of a housing assistance pro-
gram administered by the Secretary of Housing and Urban 
Development and not yet in existence at the time of the en-
actment of this section, the Secretary shall exclude from in-
come any disability benefits received under chapter 11 or 
chapter 15 of title 38, United States Code, by such person. 
(d) REPORT.—The Comptroller General of the United 
States shall, not later than 1 year after the date of the en-
actment of this Act, submit to the Congress a report that— 
(1) examines how service-connected disability 
compensation is treated for the purposes of deter-
mining eligibility for all programs administered by 
the Secretary of Housing and Urban Development; 
(2) identifies any instances where service-con-
nected disability compensation is treated in a manner 
inconsistent with the amendments made by sub-
sections (a) and (b); and 
(3) with respect to each program administered 
by the Secretary of Housing and Urban Development 
in which service-connected disability compensation is 
treated 
inconsistently, 
provides 
legislative 
rec-
ommendations relating to how such program could 
better serve veteran populations, and underserved 
communities. 
(e) DEFINITIONS.—In this section: 
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102 
(1) DEPARTMENT
PROPERTY.—The term ‘‘De-
partment property’’ has the meaning given the term 
in section 901 of title 38, United States Code. 
(2) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
SEC. 402. MILITARY SERVICE QUESTION. 
(a) IN GENERAL.—Subpart A of part 2 of the Federal 
Housing Enterprises Financial Safety and Soundness Act 
of 1992 (12 U.S.C. 4541 et seq.) is amended by adding at 
the end the following: 
‘‘SEC. 1329. UNIFORM RESIDENTIAL LOAN APPLICATION. 
‘‘Not later than 6 months after the date of enactment 
of this section, the Director shall, by regulation or order, 
require each enterprise to include a disclaimer below the 
military service question which shall be above the signature 
line on the form known as the Uniform Residential Loan 
Application stating, ‘If yes, you may qualify for a VA 
Home Loan. Consult your lender regarding eligibility.’.’’. 
(b) GAO STUDY.—Not later than 18 months after the 
date of enactment of this Act, the Comptroller General of 
the United States shall conduct a study and submit to the 
Congress a report on whether or not less than 80-percent 
of lenders using the Uniform Residential Loan Application 
have included on that form the disclaimer required under 
section 1329 of the Federal Housing Enterprises Financial 
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103 
Safety and Soundness Act of 1992, as added by subsection 
(a). 
SEC. 403. HUD–USDA–VA INTERAGENCY COORDINATION. 
(a) MEMORANDUM
OF UNDERSTANDING.—Not later 
than 180 days after the date of enactment of this Act, the 
Secretary of Housing and Urban Development, the Sec-
retary of Agriculture, and the Secretary of Veterans Affairs 
shall establish a memorandum of understanding, or other 
appropriate interagency agreement, to share relevant hous-
ing-related research and market data that facilitates evi-
dence-based policymaking. 
(b) INTERAGENCY REPORT.— 
(1) REPORT.—Not later than 1 year after the 
date of enactment of this Act, the Secretary of Hous-
ing and Urban Development, the Secretary of Agri-
culture, and the Secretary of Veterans Affairs shall 
jointly submit to the Committee on Banking, Hous-
ing, and Urban Affairs, the Committee on Agri-
culture, Nutrition, and Forestry, and the Committee 
on Veterans’ Affairs of the Senate and the Committee 
on Financial Services, the Committee on Agriculture, 
and the Committee on Veterans’ Affairs of the House 
of Representatives a report that describes opportuni-
ties for increased collaboration between the Secretary 
of Housing and Urban Development, the Secretary of 
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104 
Agriculture, and the Secretary of Veterans Affairs to 
improve efficiencies in housing programs. 
(2) PUBLICATION.—The report required under 
paragraph (1) shall, prior to submission, be published 
in the Federal Register and open for comment for a 
period of 30 days. 
SEC. 404. FAMILY SELF-SUFFICIENCY ESCROW EXPANSION 
PILOT PROGRAM. 
Title I of the United States Housing Act of 1937 (42 
U.S.C. 1437 et seq.) is amended by adding at the end the 
following: 
‘‘SEC. 39. ESCROW EXPANSION PILOT PROGRAM. 
‘‘(a) DEFINITIONS.—In this section: 
‘‘(1) COVERED FAMILY.—The term ‘covered fam-
ily’ means a family that— 
‘‘(A) receives assistance under section 8 or 
9 of this Act; 
‘‘(B) is enrolled in the pilot program; and 
‘‘(C) has an adjusted income that does not 
exceed 80-percent of the area-median income at 
the time of enrollment in the pilot program. 
‘‘(2) ELIGIBLE ENTITY.—The term ‘eligible enti-
ty’ means an entity described in subsection (c)(2) of 
section 23. 
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105 
‘‘(3) PILOT PROGRAM.—The term ‘pilot program’ 
means the pilot program established under this sec-
tion. 
‘‘(4) WELFARE ASSISTANCE.—The term ‘welfare 
assistance’ has the meaning given the term in section 
984.103 of title 24, Code of Federal Regulations, or 
any successor regulation. 
‘‘(b) 
PROGRAM
ESTABLISHMENT.—The 
Secretary 
shall, not later than 1 year after the date of the enactment 
of this section, establish a pilot program under which the 
Secretary shall select not more than 25 eligible entities to 
establish and manage escrow accounts for not more than 
a total of 5,000 covered families, in accordance with this 
section. 
‘‘(c) ESCROW ACCOUNTS.— 
‘‘(1) IN GENERAL.—An eligible entity selected to 
participate in the pilot program— 
‘‘(A) shall establish an interest-bearing es-
crow account and place into the account an 
amount equal to any increase in the amount of 
rent paid by each covered family in accordance 
with the provisions of section 3, 8(o), or 8(y), as 
applicable, that is attributable to increases in 
earned income by the covered family during the 
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106 
participation of such covered family in the pilot 
program; and 
‘‘(B) notwithstanding any other provision 
of law, may use existing funds made available to 
such entity at any time under section 8 or 9 for 
the purposes of making the escrow deposit for a 
covered family assisted under, or residing in a 
unit assisted under, section 8 or 9 provided that 
such amounts are offset by the increase in the 
amount of rent paid by the covered family. 
‘‘(2) WITHDRAWALS.—A covered family may 
withdraw funds, including any interest earned, from 
an escrow account established by an eligible entity 
under the pilot program for such covered family— 
‘‘(A) after the covered family ceases to re-
ceive welfare assistance; and 
‘‘(B)(i) not earlier than the date that is 5 
years after the date on which the eligible entity 
establishes the escrow account under this sub-
section; 
‘‘(ii) not later than the date that is 7 years 
after the date on which the eligible entity estab-
lishes the escrow account under this subsection, if 
the covered family chooses to continue to partici-
pate in the pilot program after the date that is 
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107 
5 years after the date on which the eligible entity 
establishes the escrow account; 
‘‘(iii) on the date the covered family ceases 
to receive housing assistance under section 8 or 
9, if such date is earlier than 5 years after the 
date on which the eligible entity establishes the 
escrow account; 
‘‘(iv) earlier than 5 years after the date on 
which the eligible entity establishes the escrow 
account, if the covered family is using the funds 
to advance a self-sufficiency goal as approved by 
the eligible entity; or 
‘‘(v) under other circumstances for good 
cause as determined by the Secretary. 
‘‘(3) INTERIM RECERTIFICATION.—For the pur-
poses of the pilot program established under this sec-
tion, a covered family shall recertify the income of 
such family not less than once each year. 
‘‘(4) CONTRACT
OR
PLAN.—An eligible entity 
may not require a covered family to— 
‘‘(A) complete a contract that requires the 
participation of the covered family in the pilot 
program established under this section; or 
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108 
‘‘(B) participate in any individual training 
or services plan as a condition for participating 
in the pilot program. 
‘‘(d) EFFECT OF INCREASES IN FAMILY INCOME.—The 
amount equal to any increase in the earned income of a 
covered family from the date of enrollment of the covered 
family in the pilot program established under this section 
through the date all funds are withdrawn from the escrow 
account established for such family under this section may 
not be considered as income or a resource for purposes of 
eligibility of the covered family for other benefits, or amount 
of benefits payable to the family, under any program ad-
ministered by the Secretary. 
‘‘(e) APPLICATION.— 
‘‘(1) IN GENERAL.—An eligible entity seeking to 
participate in the pilot program shall submit to the 
Secretary an application— 
‘‘(A) at such time, in such manner, and 
containing such information as the Secretary 
may require by notice; and 
‘‘(B) that includes the number of covered 
families to which the eligible entity intends to 
provide escrow accounts under this section. 
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‘‘(2) GEOGRAPHIC
AND
ENTITY
VARIETY.—The 
Secretary shall ensure that eligible entities selected to 
participate in the pilot program— 
‘‘(A) are located across various States and 
in both urban and rural areas; and 
‘‘(B) vary by size and type, including both 
public housing agencies and private owners of 
projects receiving project-based rental assistance 
under section 8. 
‘‘(f) NOTIFICATION AND OPT-OUT.—An eligible entity 
participating in the pilot program shall— 
‘‘(1) notify each covered family of their enroll-
ment in the pilot program; 
‘‘(2) provide each covered family with a detailed 
description of the pilot program, including how the 
pilot program will impact their rent and finances; 
‘‘(3) inform each covered family that the family 
may not simultaneously participate in the pilot pro-
gram and the Family Self-Sufficiency program under 
this section; and 
‘‘(4) provide each covered family with the ability 
to elect not to participate in the pilot program— 
‘‘(A) not less than 2 weeks before the date on 
which the escrow account is established under 
subsection (c); and 
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‘‘(B) at any point during the duration of 
the pilot program. 
‘‘(g) MAXIMUM RENTS.—During the term of participa-
tion by a covered family in the pilot program, the amount 
of rent paid by the covered family shall be calculated under 
the section 3 or 8(o), as applicable. 
‘‘(h) PILOT PROGRAM TIMELINE.— 
‘‘(1) AWARDS.—Not later than 18 months after 
the date of enactment of this section, the Secretary 
shall select the eligible entities to participate in the 
pilot program. 
‘‘(2) ESTABLISHMENT
AND
TERMS
OF
AC-
COUNTS.—An eligible entity selected to participate in 
the pilot program shall— 
‘‘(A) not later than 6 months after selection, 
establish escrow accounts under subsection (c) for 
covered families; and 
‘‘(B) maintain those escrow accounts for not 
less than 5 years, or until the date the family 
ceases to receive assistance under section 8 or 9, 
and, at the discretion of the covered family, not 
more than 7 years after the date on which the es-
crow account is established. 
‘‘(i) NONPARTICIPATION AND HOUSING ASSISTANCE.— 
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‘‘(1) IN GENERAL.—A family that elects not to 
participate in the pilot program may not be delayed 
or denied assistance under section 8 or 9 for reason 
of such election. 
‘‘(2) NO TERMINATION.—Housing assistance may 
not be terminated as a consequence of participating, 
or not participating, in the pilot program under this 
section for any period of time. 
‘‘(j) STUDY.—Not later than 8 years after the date the 
Secretary selects eligible entities to participate in the pilot 
program under this section, the Secretary shall conduct a 
study and submit to the Committee on Banking, Housing, 
and Urban Affairs of the Senate and the Committee on Fi-
nancial Services of the House of Representatives a report 
on outcomes for covered families that participated in the 
pilot program, which shall evaluate the effectiveness of the 
pilot program in assisting families to achieve economic 
independence and self-sufficiency, and the impact coaching 
and supportive services, or the lack thereof, had on indi-
vidual incomes. 
‘‘(k) WAIVERS.—The Secretary may, upon the written 
request of an eligible entity receiving amounts under this 
section, waive requirements under this section that relate 
to the administration of the pilot program for the eligible 
entity that submitted the request if such waiver would allow 
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such eligible entity to effectively administer the pilot pro-
gram and make the required escrow account deposits under 
this section. 
‘‘(l) TERMINATION.—The pilot program established 
under this section shall terminate on the date that is 10 
years after the date of enactment of this section.’’. 
SEC. 405. REFORMS TO HOUSING COUNSELING AND FINAN-
CIAL LITERACY PROGRAMS. 
(a) IN GENERAL.—Section 106 of the Housing and 
Urban Development Act of 1968 (12 U.S.C. 1701x) is 
amended— 
(1) in subsection (a)(4)(C), by striking ‘‘ade-
quate distribution’’ and all that follows through ‘‘fore-
closure rates’’ and inserting ‘‘that the recipients are 
geographically diverse and include organizations that 
serve urban or rural areas’’; 
(2) in subsection (e), by adding at the end the 
following: 
‘‘(6) PERFORMANCE REVIEW.—The Secretary— 
‘‘(A) may conduct periodic reviews; and 
‘‘(B) shall conduct performance reviews of 
all organizations receiving assistance under this 
section that— 
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‘‘(i) consist of a review of the organiza-
tion’s or entity’s compliance with all pro-
gram requirements; and 
‘‘(ii) may take into account the organi-
zation’s or entity’s aggregate counselor per-
formance under paragraph (7)(B). 
‘‘(7) CONSIDERATIONS.— 
‘‘(A) 
COVERED
MORTGAGE
LOAN
DE-
FINED.—In this paragraph, the term ‘covered 
mortgage loan’ means any loan which is secured 
by a first or subordinate lien on residential real 
property (including individual units of con-
dominiums and cooperatives) designed prin-
cipally for the occupancy of between 1 and 4 
families that is— 
‘‘(i) insured by the Federal Housing 
Administration under title II of the Na-
tional Housing Act (12 U.S.C. 1707 et seq.); 
or 
‘‘(ii) guaranteed under section 184 or 
184A of the Housing and Community De-
velopment Act of 1992 (12 U.S.C. 1715z– 
13a, 1715z–13b). 
‘‘(B) COMPARISON.—For each counselor em-
ployed by an organization receiving assistance 
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under this section for pre-purchase housing coun-
seling, the Secretary may consider the perform-
ance of the counselor compared to the default 
rate of all counseled borrowers of a covered mort-
gage loan in comparable markets and such other 
factors as the Secretary determines appropriate 
to further the purposes of this section. 
‘‘(8) CERTIFICATION.—If, based on the compari-
son required under paragraph (7)(B), the Secretary 
determines that a counselor lacks competence to pro-
vide counseling in the areas described in subsection 
(e)(2) and such action will not create a significant 
loss of capacity for housing counseling services in the 
service area, the Secretary may— 
‘‘(A) require continued education coupled 
with successful completion of a probationary pe-
riod; 
‘‘(B) require retesting if the counselor con-
tinues to demonstrate a lack of competence under 
paragraph (7)(B); and 
‘‘(C) suspend an individual certification if 
a counselor fails to demonstrate competence after 
not fewer than 2 retesting opportunities under 
subparagraph (B).’’; 
(3) in subsection (i)— 
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(A) by redesignating paragraph (3) as 
paragraph (4); and 
(B) by inserting after paragraph (2) the fol-
lowing: 
‘‘(3) TERMINATION OF ASSISTANCE.— 
‘‘(A) IN
GENERAL.—The Secretary may 
deny renewal of covered assistance to an organi-
zation or entity receiving covered assistance if 
the Secretary determines that the organization or 
entity, or the individual through which the orga-
nization or entity provides counseling, is not in 
compliance with program requirements— 
‘‘(i) based on the performance review 
described in subsection (e)(6); and 
‘‘(ii) in accordance with existing regu-
lations issued by the Secretary. 
‘‘(B) NOTICE.—The Secretary shall give an 
organization or entity receiving covered assist-
ance not less than 60 days prior written notice 
of any denial of renewal under this paragraph, 
and the determination of renewal shall not be fi-
nalized until the end of that notice period. 
‘‘(C) INFORMAL CONFERENCE.—If requested 
in writing by the organization or entity within 
the notice period described in subparagraph (B), 
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the organization or entity shall be entitled to an 
informal conference with the Deputy Assistant 
Secretary of Housing Counseling on behalf of the 
Secretary at which the organization or entity 
may present for consideration specific factors 
that the organization or entity believes were be-
yond the control of the organization or entity 
and that caused the failure to comply with pro-
gram requirements, such as a lack of lender or 
servicer coordination or communication with 
housing counseling agencies and individual 
counselors.’’; and 
(4) by adding at the end the following: 
‘‘(j) OFFERING FORECLOSURE MITIGATION COUN-
SELING.— 
‘‘(1) COVERED MORTGAGE LOAN DEFINED.—In 
this subsection, the term ‘covered mortgage loan’ 
means any loan which is secured by a first or subor-
dinate lien on residential real property (including in-
dividual units of condominiums and housing coopera-
tives) or stock or membership in a cooperative owner-
ship housing corporation designed principally for the 
occupancy of between 1 and 4 families that is— 
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‘‘(A) insured by the Federal Housing Ad-
ministration under title II of the National Hous-
ing Act (12 U.S.C. 1707 et seq.); 
‘‘(B) guaranteed under section 184 or 184A 
of the Housing and Community Development Act 
of 1992 (12 U.S.C. 1715z–13a, 1715z–13b); 
‘‘(C) made, guaranteed, or insured by the 
Department of Veterans Affairs; or 
‘‘(D) made, guaranteed, or insured by the 
Department of Agriculture. 
‘‘(2) OPPORTUNITY
FOR
BORROWERS.—A bor-
rower with respect to a covered mortgage loan who is 
30 days or more delinquent on payments for the cov-
ered mortgage loan shall be given an opportunity to 
participate in available housing counseling. 
‘‘(3) COST.—If the requirements of sections 
202(a)(3) and 205(f) of the National Housing Act (12 
U.S.C. 1708(a)(3), 1711(f)) are met, the fair market 
rate cost of counseling for delinquent borrowers de-
scribed in paragraph (2) with respect to a covered 
mortgage loan described in paragraph (1)(A) shall be 
paid for by the Mutual Mortgage Insurance Fund, as 
authorized under section 203(r)(4) of the National 
Housing Act (12 U.S.C. 1709(r)(4)).’’. 
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SEC. 406. ESTABLISHMENT OF EVICTION HELPLINE. 
(a) IN GENERAL.—The Secretary of Housing and 
Urban Development shall, not later than 1 year after the 
date of the enactment of this Act— 
(1) establish a hotline to provide tenants of cov-
ered federally assisted rental dwelling units with 
counseling, resources, and referrals to available assist-
ance relating to eviction-related matters; and 
(2) provide information about such hotline to 
tenants of covered federally assisted rental dwelling 
units by publishing information about such hotline in 
common areas of each federally assisted rental dwell-
ings and through other means determined appropriate 
by the Secretary. 
(b) DEFINITIONS.—In this section: 
(1) ASSISTANCE.—The term ‘‘assistance’’ means 
any grant, loan, subsidy, contract, cooperative agree-
ment, or other form of financial assistance, but such 
term does not include the insurance or guarantee of 
a loan, mortgage, or pool of loans or mortgages. 
(2) COVERED
FEDERALLY
ASSISTED
RENTAL 
DWELLING
UNIT.—The term ‘‘covered federally as-
sisted rental dwelling unit’’ means a residential 
dwelling unit— 
(A) that is made available for rental; and 
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(B)(i) for which assistance is provided, or 
that is part of a housing project for which assist-
ance is provided, under any program adminis-
tered by the Secretary of Housing and Urban 
Development, including— 
(I) the public housing program under 
the United States Housing Act of 1937 (42 
U.S.C. 1437 et seq.); 
(II) the program for rental assistance 
under section 8 of the United States Hous-
ing Act of 1937 (42 U.S.C. 1437f); 
(III) the HOME Investment Partner-
ships program under title II of the Cran-
ston-Gonzalez National Affordable Housing 
Act (42 U.S.C. 12721 et seq.); 
(IV) title IV of the McKinney-Vento 
Homeless Assistance Act (42 U.S.C. 11360 
et seq.); 
(V) the Housing Trust Fund program 
under section 1338 of the Housing and 
Community Development Act of 1992 (12 
U.S.C. 4568); 
(VI) the program for supportive hous-
ing for the elderly under section 202 of the 
Housing Act of 1959 (12 U.S.C. 1701q); 
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(VII) the program for supportive hous-
ing for persons with disabilities under sec-
tion 811 of the Cranston-Gonzalez National 
Affordable Housing Act (42 U.S.C. 8013); 
(VIII) the AIDS Housing Opportuni-
ties program under subtitle D of title VIII 
of the Cranston-Gonzalez National Afford-
able Housing Act (42 U.S.C. 12901 et seq.); 
(IX) the program for Native American 
housing under the Native American Hous-
ing Assistance and Self-Determination Act 
of 1996 (25 U.S.C. 4101 et seq.); and 
(X) the program for housing assistance 
for Native Hawaiians under title VIII of 
the Native American Housing Assistance 
and Self-Determination Act of 1996 (25 
U.S.C. 4221 et seq.); or 
(ii) that is a property, or is on or in a 
property, that has a federally backed mortgage 
loan or federally backed multifamily mortgage 
loan, as such terms are defined in section 
4024(a) of the CARES Act (15 U.S.C. 9058(a)). 
SEC. 407. TEMPERATURE SENSOR PILOT PROGRAM. 
(a) IN GENERAL.—The Secretary of Housing and 
Urban Development shall establish a temperature sensor 3- 
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year pilot program to provide grants to public housing 
agencies and owners of covered federally assisted rental 
dwelling units to acquire, install, and test the efficacy of 
approved temperature sensors in residential dwelling units 
to ensure such units remain in compliance with tempera-
ture requirements. 
(b) ELIGIBILITY.— 
(1) IN GENERAL.—The Secretary shall, not later 
than 180 days after the date of the enactment of this 
Act, establish eligibility criteria for public housing 
agencies and owners of covered federally assisted rent-
al dwelling units to participate in the pilot program 
established pursuant to subsection (a). 
(2) CRITERIA.—In establishing the eligibility 
criteria described in paragraph (1), the Secretary 
shall ensure— 
(A) the pilot program includes a diverse 
range of participants that represent different ge-
ographic regions, climate regions, unit sizes, and 
types of housing; and 
(B) that the functionality of an approved 
temperature sensor will be installed and tested 
using amounts awarded under this section, in-
cluding internet connectivity requirements. 
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(c) INSTALLATION.—Each public housing agency or 
owner of a covered federally assisted rental dwelling unit 
that acquires 1 or more approved temperature sensors under 
this section shall, after receiving written permission from 
the resident of a dwelling unit, install such temperature 
sensor and monitor the data from such temperature sensor. 
(d) COLLECTION OF COMPLAINT RECORDS.— 
(1) IN GENERAL.—Each public housing agency 
or owner of a covered federally assisted rental dwell-
ing unit that installs 1 or more approved temperature 
sensors under this section shall collect and retain in-
formation about temperature-related complaints and 
violations. 
(2) DEFINITIONS.—The Secretary shall, not later 
than 180 days after the date of the enactment of this 
Act, define the terms ‘‘temperature-related com-
plaints’’ and ‘‘temperature-related violations’’ for the 
purposes of this section. 
(e) DATA COLLECTION.— 
(1) IN GENERAL.—Data collected from tempera-
ture sensors acquired and installed by public housing 
agencies and owners of covered federally assisted rent-
al dwelling units under this section shall be retained 
until the Secretary notifies the public housing agency 
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123 
or owner that the pilot program and the evaluation 
of the pilot program are complete. 
(2) PERSONALLY IDENTIFIABLE INFORMATION.— 
The Secretary shall, not later than 180 days after the 
date of the enactment of this Act, establish standards 
for the protection of personally identifiably informa-
tion collected during the pilot program by public 
housing agencies, owners of federally assisted rental 
dwelling units, and the Secretary. 
(f) PILOT PROGRAM EVALUATION.— 
(1) INTERIM EVALUATION.—Not later than 12 
months after the establishment of the pilot program 
under this section, the Secretary shall publicly pub-
lish and submit to the Congress a report that— 
(A) examines the number of temperature-re-
lated complaints and violations in federally as-
sisted rental dwelling units with temperature 
sensors, disaggregated by temperature sensor 
technology and climate region— 
(i) that occurred before the installation 
of such sensor, if known; and 
(ii) that occurred after the installation 
of such sensor; and 
(B) identifies any barriers to full utility of 
temperature 
sensor 
capabilities, 
including 
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broadband internet access and tenant participa-
tion. 
(2) FINAL
EVALUATION.—Not later than 36 
months after the conclusion of the pilot program es-
tablished by the Secretary under this section, the Sec-
retary shall publicly publish and submit to the Con-
gress a report that— 
(A) examines the number of temperature-re-
lated complaints and violations in federally as-
sisted rental dwelling units with temperature 
sensors, disaggregated by temperature sensor 
technology and climate region— 
(i) that occurred before the installation 
of such sensor; and 
(ii) that occurred after the installation 
of such sensor; 
(B) identifies any barriers to full utility of 
temperature 
sensor 
capabilities, 
including 
broadband internet access and tenant participa-
tion; and 
(C) compares the utility of various tempera-
ture sensor technologies based on— 
(i) climate zones; 
(ii) cost; 
(iii) features; and 
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(iv) any other factors identified by the 
Secretary. 
(g) DEFINITIONS.—For the purposes of this section: 
(1) APPROVED
TEMPERATURE
SENSOR.—The 
term ‘‘approved temperature sensor’’ means an inter-
net capable temperature reporting device able to 
measure ambient air temperature to the tenth degree 
Fahrenheit and Celsius selected from a list of such de-
vices approved in advance by the Secretary. 
(2) ASSISTANCE.—The term ‘‘assistance’’ means 
any grant, loan, subsidy, contract, cooperative agree-
ment, or other form of financial assistance, but such 
term does not include the insurance or guarantee of 
a loan, mortgage, or pool of loans or mortgages. 
(3) COVERED
FEDERALLY
ASSISTED
RENTAL 
DWELLING
UNIT.—The term ‘‘covered federally as-
sisted rental dwelling unit’’ means a residential 
dwelling unit that is made available for rental and 
for which assistance is provided, or that is part of a 
housing project for which assistance is provided, 
under— 
(A) the program for project-based rental as-
sistance under section 8 of the United States 
Housing Act of 1937 (42 U.S.C. 1437f); 
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(B) the public housing program under the 
United States Housing Act of 1937 (42 U.S.C. 
1437 et seq.); 
(C) the program for supportive housing for 
the elderly under section 202 of the Housing Act 
of 1959 (12 U.S.C. 1701q); or 
(D) the program for supportive housing for 
persons with disabilities under section 811 of the 
Cranston-Gonzalez National Affordable Housing 
Act (42 U.S.C. 8013). 
(4) OWNER.—The term ‘‘owner’’ means— 
(A) with respect to the program for project- 
based rental assistance under section 8 of the 
United States Housing Act of 1937 (42 U.S.C. 
1437f), any private person or entity, including 
a cooperative, an agency of the Federal Govern-
ment, or a public housing agency, having the 
legal right to lease or sublease dwelling units; 
(B) with respect to the public housing pro-
gram under the United States Housing Act of 
1937 (42 U.S.C. 1437 et seq.), a public housing 
agency or an owner entity of public housing 
units as defined in section 905.108 of title 24, 
Code of Federal Regulations; 
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(C) with respect to the program for sup-
portive housing for the elderly under section 202 
of the Housing Act of 1959 (12 U.S.C. 1701q), 
a private nonprofit organization as defined 
under section 202(k)(4) of the Housing Act of 
1959; and 
(D) with respect to the program for sup-
portive housing for persons with disabilities 
under section 811 of the Cranston-Gonzalez Na-
tional Affordable Housing Act (42 U.S.C. 8013), 
a private nonprofit organization as defined 
under section 811(k)(5) of the Cranston-Gonzalez 
National Affordable Housing Act. 
SEC. 408. GAO STUDIES. 
(a) REPORT TO CONGRESS.—Not later than 1 year 
after the date of the enactment of this Act, the Comptroller 
General of the United States shall carry out a study and 
submit to the Congress a report that identifies options to 
remove barriers and improve housing for persons who are 
elderly or disabled, including any potential impacts of pro-
viding capital advances for— 
(1) the program for supportive housing for the 
elderly under section 202 of the Housing Act of 1959 
(12 U.S.C. 1701q); and 
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(2) the program for supportive housing for per-
sons with disabilities under section 811 of the Cran-
ston-Gonzalez National Affordable Housing Act (42 
U.S.C. 8013). 
(b) GAO STUDY TO DETERMINE PROXIMITY OF HOUS-
ING TO SUPERFUND SITES.—Not later than 1 year after 
the date of the enactment of this section, the Comptroller 
General of the United States shall carry out a study and 
submit to the Congress a report that identifies how many 
residential dwelling units, and how many dwelling units 
that are a part of public housing (as such term is defined 
in section 3(b) of the United States Housing Act of 1937 
(42 U.S.C. 1437a(b))), are located less than 1 mile from 
a site that is included on the National Priorities List estab-
lished pursuant to section 105 of the Comprehensive Envi-
ronmental Response, Compensation, and Liability Act of 
1980 (42 U.S.C. 9605). 
(c) REPORT TO CONGRESS.—Not later than 1 year 
after the date of the enactment of this Act, the Comptroller 
General of the United States shall carry out a study and 
submit to the Committee on Financial Services of the House 
of Representatives and the Committee on Banking, Hous-
ing, and Urban Affairs of the Senate a report that— 
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(1) establishes a comprehensive definition of resi-
dential heirs property, or family land inherited with-
out a will or legal documentation of ownership; 
(2) examines the occurrence of and consequences 
to owners of residential heirs property, and provides 
an estimate regarding the number of current residen-
tial heirs properties; 
(3) describes the objectives and requirements of 
the Uniform Partition of Heirs Property Act as ap-
proved by the National Conference of Commissioners 
on Uniform State Laws in 2010; 
(4) details the various resources that may be 
available to the owners of residential heirs properties, 
including housing counseling, legal services, and fi-
nancial assistance to resolve residential heirs property 
title issues from the Federal Government, nonprofits, 
and institutes of higher education; and 
(5) makes recommendations with respect to how 
to reduce the number of residential heirs properties, 
including— 
(A) by incentivizing States and other juris-
dictions which enact or adopt the Uniform Par-
tition of Heirs Property Act or similar such re-
forms; 
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130 
(B) by awarding grants to States and other 
jurisdictions to assist residents of such States 
and jurisdictions to establish and document 
property ownership rights or settle a decedent’s 
estate; 
(C) by awarding grants to entities which 
provide housing counseling, legal assistance, and 
financial assistance to homeowners and their 
heirs relating to title clearing and home reten-
tion efforts of heirs’ property and which target 
services to low- and moderate-income persons or 
provide services in neighborhoods that have a 
high concentration of low- and moderate-income 
persons; and 
(D) by conducting other activities that as-
sist individuals to clear title with respect to 
heirs’ property and with general estate planning. 
TITLE 
V—ENHANCING 
OVER-
SIGHT 
OF 
HOUSING 
PRO-
VIDERS 
SEC. 501. REQUIREMENT TO TESTIFY. 
Section 7 of the Department of Housing and Urban 
Development Act (42 U.S.C. 3535) is amended by adding 
at the end the following new subsection: 
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131 
‘‘(u) ANNUAL TESTIMONY.—The Secretary shall ap-
pear before the Committee on Financial Services of the 
House of Representatives and the Committee on Banking, 
Housing, and Urban Affairs of the Senate at an annual 
hearing and present testimony regarding the operations of 
the Department during the preceding year, including— 
‘‘(1) the current programs and operations of the 
Department; 
‘‘(2) the physical condition of all public housing 
and other housing assisted by the Department; 
‘‘(3) the financial health of the mortgage insur-
ance funds of the Federal Housing Agency; 
‘‘(4) oversight by the Department of grantees and 
subgrantees for purposes of preventing waste, fraud, 
and abuse; 
‘‘(5) the progress made by the Federal Govern-
ment in ending the affordable housing and homeless-
ness crises; 
‘‘(6) the capacity of the Department to deliver on 
its statutory mission; and 
‘‘(7) other ongoing activities of the Department, 
as appropriate.’’. 
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132 
SEC. 502. IMPROVING PUBLIC HOUSING AGENCY ACCOUNT-
ABILITY. 
(a) IN GENERAL.—The Secretary shall require each 
covered public housing agency to provide a notice each year 
to the Secretary that— 
(1) indicates that if a receiver or Federal mon-
itor remains appointed for the covered public housing 
agency as of October 1 of the calendar year to which 
such notice relates; 
(2) provides the date on which the receiver or 
Federal monitor was first appointed and the projected 
date, if known, the appointment of the receiver or 
Federal monitor will be terminated; and 
(3) identifies the current receiver or Federal 
monitor appointed to oversee the public housing agen-
cy. 
(b) FEDERAL
MONITOR
AND
RECEIVER
TRANS-
PARENCY.— 
(1) Notwithstanding any other provision of law, 
not later than October 1 of each year, each receiver 
or Federal monitor that is currently appointed to 
oversee a covered public housing agency shall provide 
to the Committee on Financial Services of the House 
of Representatives and the Committee on Banking, 
Housing, and Urban Affairs of the Senate a written 
assessment that— 
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133 
(A) describes the management and oversight 
activities of the receiver or Federal monitor for 
the covered public housing agency; 
(B) identifies the significant factors that led 
to the appointment of the receiver or Federal 
monitor for the covered public housing agency; 
(C) identifies the factors that remain unre-
solved at the covered public housing agency that 
have led to the continued oversight of the receiver 
or Federal monitor; and 
(D) includes a timeline developed by the re-
ceiver or Federal monitor that projects when the 
factors identified under subparagraphs (B) and 
(C) will be resolved. 
(2) In addition to the written assessment re-
quired in paragraph (1), upon written request by the 
Committee on Financial Services of the House of Rep-
resentatives or the Committee on Banking, Housing, 
and Urban Affairs of the Senate, each receiver or Fed-
eral monitor appointed to oversee a covered public 
housing agency shall promptly furnish additional or 
supplemental information requested by the Committee 
on Financial Services of the House of Representatives 
or the Committee on Banking, Housing, and Urban 
Affairs of the Senate with respect to the covered pub-
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134 
lic housing agency which such receiver or Federal 
monitor is appointed to oversee, including presenting 
testimony upon request. 
(c) DISCLOSURE REQUIRED.—The Secretary shall, not 
later than 1 year after the date of the enactment of this 
section, require each covered public housing agency to pub-
licly disclose, on the website of the covered public housing 
agency, with respect to each contract entered into by such 
covered public housing agency in the preceding year, the 
following information: 
(1) All material information about the contract, 
including the goods and service provided. 
(2) The identity of the vendor selected to receive 
the contract. 
(3) The date of the solicitation of the contract. 
(4) The relevant information pertaining to the 
bids and quotes solicited for the contract. 
(5) The name of the official who solicited the 
contract. 
(d) INSPECTOR GENERAL REVIEW.—Not later than 
180 days after receiving a written request from the Com-
mittee on Financial Services of the House of Representa-
tives or the Committee on Banking, Housing, and Urban 
Affairs of the Senate, the inspector general shall provide to 
the requesting committee an analysis of— 
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135 
(1) the status of any covered public housing 
agency’s compliance with any agreements entered into 
between the covered public housing agency and the 
Department of Housing and Urban Development, in-
cluding specific areas of deficiency and progress to-
ward compliance; 
(2) a review of actions taken by the receiver or 
Federal monitor appointed to oversee a covered public 
housing agency and any private sector housing devel-
opment partners pursuant to such agreement, includ-
ing any gaps in oversight by the receiver or Federal 
monitor; 
(3) an assessment of the physical conditions of 
housing provided by the covered public housing agen-
cy, including the status of the covered public housing 
agency’s compliance with relevant health and safety 
requirements; 
(4) an examination of any allegations of waste, 
fraud, abuse or violations of Federal law committed 
by employees or contractors of the covered public 
housing agency; 
(5) any additional pertinent information, as de-
termined necessary and appropriate by the inspector 
general; and 
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136 
(6) any recommendations of the inspector gen-
eral that relate to how to improve the compliance of 
the covered public housing agency with any agree-
ments entered into with the Department of Housing 
and Urban Development or enhance the oversight of 
the receiver or Federal monitor over such covered pub-
lic housing agency. 
(e) DEFINITIONS.— 
(1) COVERED
PUBLIC
HOUSING
AGENCY.—The 
term ‘‘covered public housing agency’’ means a public 
housing agency (as such term is defined in section 
3(b) of the United States Housing Act of 1937 (42 
U.S.C. 1437a(b))) for which an administrative or ju-
dicial receiver or Federal monitor was appointed. 
(2) INSPECTOR GENERAL.—The term ‘‘inspector 
general’’ means the inspector general of the Depart-
ment of Housing and Urban Development. 
(3) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
Amend the title so as to read: ‘‘A bill to increase the 
supply of housing in America, and for other purposes.’’. 
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Union Calendar No. 392 
119TH CONGRESS 
2D SESSION 
H. R. 6644 
[Report No. 119–457, Part I] 
A BILL 
A bill to increase the supply of housing in America, 
and for other purposes. 
JANUARY 15, 2026 
Reported from the Committee on Financial Services with 
amendments 
JANUARY 15, 2026 
Committee on Veterans’ Affairs discharged; committed to 
the Committee of the Whole House on the State of the 
Union and ordered to be printed 
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