I 
119TH CONGRESS 
1ST SESSION H. R. 6337 
To increase the supply of affordable housing in America. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 1, 2025 
Mrs. MCCLAIN (for herself and Mr. HIMES) introduced the following bill; 
which was referred to the Committee on Financial Services, and in addi-
tion to the Committees on Transportation and Infrastructure, Veterans’ 
Affairs, Appropriations, Agriculture, Energy and Commerce, the Budget, 
and Oversight and Government Reform, for a period to be subsequently 
determined by the Speaker, in each case for consideration of such provi-
sions as fall within the jurisdiction of the committee concerned 
A BILL 
To increase the supply of affordable housing in America. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Renewing Opportunity 
in the American Dream to Housing Act of 2025’’ or the 
‘‘ROAD to Housing Act of 2025’’. 
SEC. 2. TABLE OF CONTENTS. 
The table of contents for this Act is as follows: 
Sec. 1. Short title. 
Sec. 2. Table of contents. 
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TITLE I—IMPROVING FINANCIAL LITERACY 
Sec. 101. Reforms to housing counseling and financial literacy programs. 
TITLE II—BUILDING MORE IN AMERICA 
Sec. 201. Rental assistance demonstration program. 
Sec. 202. Increasing housing in opportunity zones. 
Sec. 203. Housing Supply Frameworks Act. 
Sec. 204. Whole-Home Repairs Act. 
Sec. 205. Community Investment and Prosperity Act. 
Sec. 206. Build Now Act. 
Sec. 207. Better Use of Intergovernmental and Local Development (BUILD) 
Housing Act. 
Sec. 208. Unlocking Housing Supply Through Streamlined and Modernized Re-
views Act. 
Sec. 209. Innovation Fund. 
Sec. 210. Accelerating Home Building Act. 
Sec. 211. Build More Housing Near Transit Act. 
Sec. 212. Revitalizing Empty Structures Into Desirable Environments (RE-
SIDE) Act. 
Sec. 213. Housing Affordability Act. 
TITLE III—MANUFACTURED HOUSING FOR AMERICA 
Sec. 301. Housing Supply Expansion Act. 
Sec. 302. Modular Housing Production Act. 
Sec. 303. Property Improvement and Manufactured Housing Loan Moderniza-
tion Act. 
Sec. 304. Price Act. 
TITLE IV—ACCESSING THE AMERICAN DREAM 
Sec. 401. Creating incentives for small dollar loan originators. 
Sec. 402. Small dollar mortgage points and fees. 
Sec. 403. Appraisal Industry Improvement Act. 
Sec. 404. Helping More Families Save Act. 
Sec. 405. Choice in Affordable Housing Act. 
TITLE V—PROGRAM REFORM 
Sec. 501. Reforming Disaster Recovery Act. 
Sec. 502. HOME Investment Partnerships Reauthorization and Improvement 
Act. 
Sec. 503. Rural Housing Service Reform Act. 
Sec. 504. New Moving to Work cohort. 
Sec. 505. Reducing Homelessness Through Program Reform Act. 
Sec. 506. Incentivizing local solutions to homelessness. 
TITLE VI—VETERANS AND HOUSING 
Sec. 601. VA Home Loan Awareness Act. 
Sec. 602. Veterans Affairs Loan Informed Disclosure (VALID) Act. 
Sec. 603. Housing Unhoused Disabled Veterans Act. 
TITLE VII—OVERSIGHT AND ACCOUNTABILITY 
Sec. 701. Requiring annual testimony and oversight from housing regulators. 
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Sec. 702. FHA reporting requirements on safety and soundness. 
Sec. 703. United States Interagency Council on Homelessness oversight. 
Sec. 704. NeighborWorks Accountability Act. 
Sec. 705. Appraisal Modernization Act. 
TITLE VIII—COORDINATION, STUDIES, AND REPORTING 
Sec. 801. HUD-USDA-VA Interagency Coordination Act. 
Sec. 802. Streamlining Rural Housing Act. 
Sec. 803. Improving self-sufficiency of families in HUD-subsidized housing. 
TITLE I—IMPROVING FINANCIAL 
LITERACY 
SEC. 101. 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 
‘‘foreclosure rates’’ and inserting ‘‘that the recipi-
ents are geographically diverse and include organiza-
tions 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 on-site reviews; 
and 
‘‘(B) shall conduct performance reviews of 
all participating agencies that— 
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‘‘(i) consists of a review of the partici-
pating agency’s compliance with all pro-
gram requirements; and 
‘‘(ii) may take into account the agen-
cy’s 
aggregate 
counselor 
performance 
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 
employed by an organization receiving assist-
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ance under this section for pre-purchase hous-
ing counseling, the Secretary may consider the 
performance of the counselor compared to the 
default rate of all counseled borrowers of a cov-
ered mortgage loan in comparable markets and 
such other factors as the Secretary determines 
appropriate to further the purposes of this sec-
tion. 
‘‘(8) CERTIFICATION.—If, based on the com-
parison required under paragraph (7)(B), the Sec-
retary determines that a counselor lacks competence 
to provide counseling in the areas described in sub-
section (e)(2) and such action will not create a sig-
nificant loss of capacity for housing counseling serv-
ices 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) permanently suspend an individual 
certification if a counselor fails to demonstrate 
competence after not fewer than 2 retesting op-
portunities under subparagraph (B).’’; 
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(3) in subsection (i)— 
(A) by redesignating paragraph (3) as 
paragraph (4); and 
(B) by inserting after paragraph (2) the 
following: 
‘‘(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 
organization 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 regulations 
issued by the Secretary. 
‘‘(B) NOTICE.—The Secretary shall give 
an organization or entity receiving covered as-
sistance not less than 60 days prior written no-
tice of any denial of renewal under this para-
graph, and the determination of renewal shall 
not be finalized until the end of that notice pe-
riod. 
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‘‘(C) INFORMAL
CONFERENCE.—If re-
quested in writing by the organization or entity 
within the notice period described in subpara-
graph (B), the organization or entity shall be 
entitled to an informal conference with the Dep-
uty Assistant Secretary of Housing Counseling 
on behalf of the Secretary at which the organi-
zation or entity may present for consideration 
of specific factors that the organization or enti-
ty believes were beyond the control of the orga-
nization or entity and that caused the failure to 
comply with program requirements, such as a 
lack of lender or servicer coordination or com-
munication 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) or stock or member-
ship in a cooperative ownership housing corporation 
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designed principally for the occupancy of between 1 
and 4 families that is— 
‘‘(A) insured by the Federal Housing Ad-
ministration under title II of the National 
Housing Act (12 U.S.C. 1707 et seq.); 
‘‘(B) guaranteed under section 184 or 
184A of the Housing and Community Develop-
ment 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 
covered 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 bor-
rowers described in paragraph (2) with respect to a 
covered mortgage loan described in paragraph 
(1)(A) shall be paid for by the Mutual Mortgage In-
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surance Fund, as authorized under section 203(r)(4) 
of 
the 
National 
Housing 
Act 
(12 
U.S.C. 
1709(r)(4)).’’. 
TITLE II—BUILDING MORE IN 
AMERICA 
SEC. 201. RENTAL ASSISTANCE DEMONSTRATION PRO-
GRAM. 
The language under the heading ‘‘RENTAL ASSIST-
ANCE DEMONSTRATION’’ in the Department of Housing 
and Urban Development Appropriations Act, 2012 (Public 
Law 112–55; 125 Stat. 673) is amended— 
(1) in the second proviso, by striking ‘‘until 
September 30, 2029’’ and inserting ‘‘for fiscal year 
2012 and each fiscal year thereafter’’; 
(2) by striking the fourth proviso; 
(3) in the twentieth proviso, as so designated 
before the date of enactment of this Act, by striking 
‘‘or other means:’’ and inserting ‘‘or other means, 
including the adoption of a mandatory tenant lease 
and management plan addendum for a property with 
assistance converted, if not otherwise covered by an-
other program, under this demonstration:’’ 
(4) by striking the twenty-second proviso, as so 
designated before the date of enactment of this Act; 
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(5) in the twenty-seventh, thirtieth, thirty-first, 
thirty-second, thirty-third, and thirty-forth provisos, 
as so designated before the date of enactment of this 
Act, by striking ‘‘Second Component’’ each place the 
term appears and inserting ‘‘First Component’’; and 
(6) by striking ‘‘vouchers to project-based 
vouchers.’’ and inserting ‘‘vouchers to project-based 
vouchers: Provided further, That the Secretary shall 
annually assess and publish findings regarding the 
impact of the conversion of assistance under the 
First Component of the demonstration with respect 
to the preservation and improvement of public hous-
ing, the amount of private sector leveraging result-
ing from such conversion transactions, the preva-
lence of pre-conversion residents remaining in or re-
turning to the property following conversion, and the 
effect of such conversion on tenants, including the 
impact of such conversion on the rights maintained 
by tenants as enumerated in regulations and other 
documents conferring rights upon tenants as devel-
oped by the Secretary, and other matters the Sec-
retary may determine appropriate: Provided further, 
That the Secretary may take remediative action or 
impose civil money penalties or other administrative 
sanctions for material violations of a requirement 
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under the demonstration: Provided further, That 
nothing in the matter under this heading shall be 
construed to diminish, impair, or otherwise affect 
the rights of property owners or tenants as enumer-
ated in current law and regulations: Provided fur-
ther, That all property owner rights, including those 
related to ownership, management, and contractual 
obligations, shall continue to apply and be respected 
following a Rental Assistance Demonstration Pro-
gram conversion: Provided further, That all tenant 
protections and rights established in current law and 
regulations shall remain fully in effect for properties 
converted under the Rental Assistance Demonstra-
tion Program.’’. 
SEC. 202. INCREASING HOUSING IN OPPORTUNITY ZONES. 
(a) COVERED GRANT DEFINED.—In this section, the 
term ‘‘covered grant’’ means any competitive grant relat-
ing to the construction, modification, rehabilitation, or 
preservation of housing, as determined by the Secretary 
of Housing and Urban Development. 
(b) PRIORITY.—When awarding a covered grant, the 
Secretary of Housing and Urban Development may give 
additional weight to applicants located in, or that pri-
marily serve, a community that has been designated as 
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a qualified opportunity zone under section 1400Z–1 of the 
Internal Revenue Code of 1986. 
SEC. 203. HOUSING SUPPLY FRAMEWORKS ACT. 
(a) FINDINGS.—Congress finds the following: 
(1) The United States is facing a housing sup-
ply shortage. This housing supply shortage has re-
sulted in a record number of cost-burdened house-
holds across regions and spanning the large and 
small cities, towns, and coastal and rural commu-
nities of the United States. 
(2) Several factors contribute to the under-
supply of housing in the United States, particularly 
workforce housing, including rising costs of con-
struction, a shortage of labor, supply chain disrup-
tions, and a lack of reliable funding sources. 
(3) Regulatory barriers at the State and local 
levels, such as zoning and land use regulations, also 
inhibit the creation of new housing to meet local and 
regional housing needs. 
(4) State and local governments are proactively 
exploring solutions for reforming regulatory barriers, 
but additional resources, data, and models can help 
adequately address these challenges. 
(5) While land use regulation is the responsi-
bility of State and local governments, there is Fed-
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eral support for necessary reforms, and there is an 
opportunity for the Federal Government to provide 
support and assistance to State and local govern-
ments that wish to undertake necessary reforms in 
a manner that fits their communities’ needs. 
(6) Therefore, zoning ordinances or systems of 
land use regulation that have the intent or effect of 
restricting housing opportunities based on economic 
status or income without interests that are substan-
tial, legitimate, nondiscriminatory and that outweigh 
the regional need for housing are contrary to the re-
gional and national interest. 
(b) 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 
Policy Development and Research of the Depart-
ment 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. 
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(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 legisla-
tion or State agency and department procedures, or 
such legislation or procedures in an insular area of 
the United States, enabling local planning and zon-
ing authorities and establishing and guiding related 
policies and programs. 
(c) GUIDELINES
ON STATE
AND LOCAL ZONING 
FRAMEWORKS.— 
(1) ESTABLISHMENT.—Not later than 3 years 
after the date of enactment of this Act, the Assist-
ant Secretary shall publish documents outlining 
guidelines and best practices to support production 
of adequate housing to meet the needs of commu-
nities and provide housing opportunities for individ-
uals at every income level across communities with 
respect to— 
(A) State zoning frameworks; and 
(B) local zoning frameworks. 
(2) CONSULTATION; PUBLIC COMMENT.—Dur-
ing the 2-year period beginning on the date of enact-
ment of this Act, in developing the guidelines and 
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best practices required under paragraph (1), the As-
sistant Secretary shall— 
(A) publish draft guidelines in the Federal 
Register for public comment; and 
(B) establish a task force for the purpose 
of providing consultation to draft guidelines 
published under subparagraph (A), the mem-
bers of which shall include— 
(i) planners and architects; 
(ii) housing developers, including af-
fordable and market-rate housing devel-
opers, manufactured housing developers, 
and other business interests; 
(iii) community engagement experts 
and community members impacted by zon-
ing decisions; 
(iv) public housing authorities and 
transit authorities; 
(v) members of local zoning and plan-
ning boards and local and regional trans-
portation planning organizations; 
(vi) State officials responsible for 
housing or land use, including members of 
State zoning boards of appeals; 
(vii) academic researchers; and 
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(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 
department procedures; 
(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; 
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(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 re-
view processes; 
(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 re-
duced minimum lot sizes near existing or 
planned public transit stations; 
(x) potential reforms to strengthen 
the public engagement process; 
(xi) reforms to protest petition stat-
utes; 
(xii) the standardization, reduction, or 
elimination of impact fees; 
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(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 ex-
isting residents; 
(xvi) with respect to State zoning 
frameworks— 
(I) State model codes for direct-
ing local reforms, including mecha-
nisms 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 
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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 afford-
able housing; and 
(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 dis-
position of land owned by local gov-
ernments for affordable housing devel-
opment; 
(IV) differentiations between best 
practices for rural, suburban, and 
urban communities, and communities 
with different levels of density or pop-
ulation distribution; and 
(V) streamlining of local environ-
mental review policies; and 
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(xviii) other land use measures that 
promote access to new housing opportuni-
ties 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 
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; 
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(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 
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 
preserve 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 Secretary. 
(d) ABOLISHMENT OF THE REGULATORY BARRIERS 
CLEARINGHOUSE.— 
(1) IN
GENERAL.—The Regulatory Barriers 
Clearinghouse established pursuant to section 1205 
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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. 
(e) REPORTING.— 
(1) INITIAL REPORT.—Not later than 5 years 
after the date on which the Assistant Secretary pub-
lishes the guidelines and best practices for State and 
local zoning frameworks, the Assistant Secretary 
shall submit to Congress a report describing— 
(A) the States that have adopted rec-
ommendations from the guidelines and best 
practices, pursuant to subsection (c); 
(B) a summary of the localities that have 
adopted recommendations from the guidelines 
and best practices, pursuant to subsection (c); 
(C) a list of States that adopted a State 
zoning framework; 
(D) a summary of the modifications that 
each State has made in their State zoning 
framework; 
(E) a general summary of the types of up-
dates localities have made to their local zoning 
framework; 
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(F) of the States that have adopted a 
State zoning framework or recommendations 
from the guidelines and best practices, the ef-
fect of such adoptions; and 
(G) a summary of recommendations that 
were routinely not adopted by States or by lo-
calities. 
(2) MONITORING.—Two years after the date 
which the Assistant Secretary submits to Congress 
the initial report required under paragraph (1), and 
biennially thereafter, the Secretary shall— 
(A) publish a report that— 
(i) provides the latest information re-
garding the information described in sub-
paragraphs (A) through (G) of that para-
graph; 
(ii) identifies, to the greatest extent 
practicable, the adoption rates by States 
and localities of each guideline and best 
practice established under subsection (c); 
(iii) requests and establishes a public 
comment period on the guidelines and best 
practices established under subsection (c) 
that are routinely not adopted or adopted 
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at significantly lower rates by States and 
localities; and 
(iv) includes other relevant informa-
tion and criteria, as determined by the 
Secretary; and 
(B) review and consider all public feedback 
to the report required under subparagraph (A) 
for the purpose of improving the guidelines or 
best practices under subsection (c) to further 
achieve the zoning goals stated in subsection 
(a). 
(f) GAO REPORT ON HOUSING SUPPLY.—Not later 
than 1 year after the date of enactment of this Act, the 
Comptroller General of the United States shall submit to 
the Committee on Banking, Housing, and Urban Affairs 
of the Senate and the Committee on Financial Services 
of the House of Representatives a report that investigates 
barriers to housing supply, which shall include an assess-
ment of— 
(1) the current state of— 
(A) the rental and homeowner housing 
supply shortage; 
(B) geographic patterns of that shortage; 
(C) shortages in housing at various levels 
of affordability; and 
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(D) shortages in housing appropriate for 
seniors, families with children, and people with 
disabilities; 
(2) the key drivers of the shortages described in 
paragraph (1); 
(3) regulatory, administrative, or procedural 
barriers that exist in Federal housing programs that 
inhibit housing development, and policy actions that 
can be taken to address those barriers; 
(4) the extent to which jurisdictions have suc-
cessfully implemented zoning or other policy reforms 
to increase housing production and supply; and 
(5) opportunities for increasing coordination be-
tween the Department of Housing and Urban Devel-
opment, the Federal Housing Finance Agency, the 
Department of Agriculture, the Department of the 
Treasury, and other agencies to address housing 
supply. 
(g) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to the Secretary to carry 
out this section such sums as may be necessary for each 
of fiscal years 2026 through 2030. 
(h) RULE OF CONSTRUCTION.—Nothing in this sec-
tion may be construed to permit the Department of Hous-
ing and Urban Development to take an adverse action 
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against or fail to provide otherwise offered actions or serv-
ices for any State or locality if the State or locality de-
clines to adopt a guideline or best practice under sub-
section (c). 
SEC. 204. WHOLE-HOME REPAIRS ACT. 
(a) DEFINITIONS.—In this section: 
(1) AFFORDABLE UNIT.—The term ‘‘affordable 
unit’’ means a unit for which the monthly rental 
payment is not more than 30 percent of the gross 
income of an individual earning at or below 80 per-
cent of the area median income, as defined by the 
Secretary. 
(2) ASSISTED UNIT.—The term ‘‘assisted unit’’ 
means a unit that undergoes repair or rehabilitation 
work through a whole-home repairs program admin-
istered by an implementing organization under this 
section. 
(3) ELIGIBLE HOMEOWNER.—The term ‘‘eligi-
ble homeowner’’ means a homeowner— 
(A) with a household income that— 
(i) is not more than 80 percent of the 
area median income; or 
(ii) meets the income eligibility re-
quirements for receiving assistance or ben-
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efits under a specified program, as defined 
in paragraph (11); and 
(B) who is— 
(i) an owner of record as evidenced by 
a publicly recorded deed and occupies the 
home on which repairs are to be conducted 
as their principal residence; 
(ii) an owner-occupant of the manu-
factured home on which repairs are to be 
conducted; or 
(iii) an owner who can demonstrate an 
ownership interest in the property on 
which repairs are to be conducted, includ-
ing a person who has inherited an interest 
in that property. 
(4) ELIGIBLE LANDLORD.—The term ‘‘eligible 
landlord’’ means an individual— 
(A) who owns, as determined by the rel-
evant implementing organization, fewer than 10 
eligible rental properties, with a majority of af-
fordable units and not more than 50 total units, 
operated as primary residences in which a ma-
jority ownership interest is held by the indi-
vidual, the spouse of the individual, or the de-
pendent children of the individual, or any close-
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ly held legal entity controlled by the individual, 
the spouse of the individual, or the dependent 
children of the individual, either individually or 
collectively; and 
(B) who agrees to the provisions described 
in subsection (b)(3). 
(5) ELIGIBLE RENTAL PROPERTY.—The term 
‘‘eligible rental property’’ means a residential prop-
erty that— 
(A) is leased, or offered exclusively for 
lease, as a primary residence by an eligible 
landlord; and 
(B) includes affordable units. 
(6) FORGIVABLE LOAN.—The term ‘‘forgivable 
loan’’ means a loan— 
(A) made to an eligible landlord; 
(B) that is secured by a lien recorded 
against a residential property; and 
(C) that may be forgiven by the imple-
menting organization not later than the date 
that is 3 years after the completion of the re-
pairs if the eligible landlord has maintained 
compliance with the loan agreement described 
in subsection (b)(3). 
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(7) IMPLEMENTING ORGANIZATION.—The term 
‘‘implementing organization’’— 
(A) means a unit of general local govern-
ment or a State that— 
(i) will administer a whole-home re-
pairs program through an agency, depart-
ment, or other entity; or 
(ii) enter into agreements with 1 or 
more local governments, municipal authori-
ties, other governmental authorities, in-
cluding a tribally designated housing enti-
ty, or qualified nonprofit organizations, to 
administer a whole-home repairs program 
as a subrecipient; and 
(B) does not include a redundant entity in 
a jurisdiction already served by a grantee under 
subsection (b). 
(8) INDIAN TRIBE.—The term ‘‘Indian tribe’’ 
has the meaning given the term in section 4 of the 
Native American Housing Assistance and Self-De-
termination Act of 1996 (25 U.S.C. 4103). 
(9) QUALIFIED NONPROFIT.—The term ‘‘quali-
fied nonprofit’’ means a nonprofit organization 
that— 
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(A) has received funding, as a recipient or 
subrecipient, through— 
(i) the Community Development Block 
Grant program under title I of the Hous-
ing and Community Development Act of 
1974 (42 U.S.C. 5301 et seq.); 
(ii) the HOME Investment Partner-
ships program under subtitle A of title II 
of the Cranston-Gonzalez National Afford-
able Housing Act (42 U.S.C. 12741 et 
seq.); 
(iii) the Lead-Based Paint Hazard 
Reduction grant program under section 
1011 of the Residential Lead-Based Paint 
Hazard Reduction Act of 1992 (42 U.S.C. 
4852) or a grant under the Healthy 
Homes Initiative administered by the Sec-
retary pursuant to sections 501 and 502 of 
the Housing and Urban Development Act 
of 1970 (12 U.S.C. 1701z–1, 1701z–2); 
(iv) the Self-Help and Assisted Home-
ownership Opportunity program authorized 
under section 11 of the Housing Oppor-
tunity Program Extension Act of 1996 (42 
U.S.C. 12805 note); 
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(v) a rural housing program under 
title V of the Housing Act of 1949 (42 
U.S.C. 1471 et seq.); or 
(vi) the Neighborhood Reinvestment 
Corporation established under the Neigh-
borhood Reinvestment Corporation Act (42 
U.S.C. 8101 et seq.); 
(B) has coordinated, performed, or other-
wise been engaged in weatherization, lead reme-
diation, or home-repair work for not less than 
2 years; 
(C) has been certified by the Environ-
mental Protection Agency, or by a State au-
thorized by the Environmental Protection Agen-
cy to administer a certification program, as— 
(i) eligible to carry out activities 
under the lead renovation, repair and 
painting program; or 
(ii) a Home Certification Organization 
under the Energy Star program estab-
lished by section 324A of the Energy Pol-
icy and Conservation Act (42 U.S.C. 
6294a) or the WaterSense program under 
section 324B of that Act (42 U.S.C. 
6294b), or recognized or otherwise ap-
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proved by the Environmental Protection 
Agency as a Home Certification Organiza-
tion under either of those programs; or 
(D) is a community development financial 
institution, as defined in section 103 of the 
Community Development Banking and Finan-
cial Institutions Act of 1994 (12 U.S.C. 4702). 
(10) 
SECRETARY.—The 
term 
‘‘Secretary’’ 
means the Secretary of Housing and Urban Develop-
ment. 
(11) SPECIFIED
PROGRAM.—For purposes of 
paragraph (3)(A)(ii), the term ‘‘specified program’’ 
means any of the following: 
(A) The Medicaid program established 
under title XIX of the Social Security Act (42 
U.S.C. 1396 et seq.). 
(B) The State Children’s Health Insurance 
Program established under title XXI of the So-
cial Security Act (42 U.S.C. 1397aa et seq.). 
(C) The supplemental security income ben-
efits program established under title XVI of the 
Social Security Act (42 U.S.C. 1381 et seq.). 
(D) The supplemental nutrition assistance 
program established under the Food and Nutri-
tion Act of 2008 (7 U.S.C. 2011 et seq.). 
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(E) The temporary assistance for needy 
families program established under part A of 
title IV of the Social Security Act (42 U.S.C. 
601 et seq.). 
(12) STATE.—The term ‘‘State’’ means— 
(A) each State of the United States; 
(B) the District of Columbia; 
(C) the Commonwealth of Puerto Rico; 
(D) any territory or possession of the 
United States; and 
(E) an Indian tribe. 
(13) TRIBALLY
DESIGNATED
HOUSING
ENTI-
TY.—The term ‘‘tribally designated housing entity’’ 
has the meaning given the term in section 4 of the 
Native American Housing Assistance and Self-De-
termination Act of 1996 (25 U.S.C. 4103). 
(14) 
WHOLE-HOME
REPAIRS.—The 
term 
‘‘whole-home repairs’’ means modifications, repairs, 
or updates to homeowner or renter-occupied units to 
address— 
(A) physical and sensory accessibility for 
individuals with disabilities and older adults, 
such as bathroom and kitchen modifications, in-
stallation of grab bars and handrails, guards 
and guardrails, lifting devices, ramp additions 
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or repairs, sidewalk addition or repair, or door-
way or hallway widening; 
(B) habitability and safety concerns, such 
as repairs needed to ensure residential units are 
fit for human habitation and free from defective 
conditions or health and safety hazards; or 
(C) energy and water efficiency, resilience, 
and weatherization. 
(b) PILOT PROGRAM.— 
(1) ESTABLISHMENT.—Not later than 1 year 
after the date of enactment of this Act, the Sec-
retary shall establish a pilot program to provide 
grants to implementing organizations to administer 
a whole-home repairs program for eligible home-
owners and eligible landlords. 
(2) USE OF FUNDS.—An implementing organi-
zation that receives a grant under this subsection— 
(A) shall provide grants to eligible home-
owners to implement whole-home repairs not 
covered by other Federal home repair programs 
and up to a maximum amount per unit, which 
maximum amount should— 
(i) reflect local construction costs and 
the level of repairs needed in each unit; 
and 
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(ii) be calculated and approved by the 
Secretary; 
(B) shall provide loans, which may be for-
givable, to eligible landlords to implement 
whole-home repairs not covered by other Fed-
eral home repair programs for individual afford-
able units, public and common use areas within 
the property, and common structural elements 
up to a maximum amount per unit, area, or ele-
ment, as applicable, which maximum amount 
should— 
(i) reflect local construction costs; and 
(ii) be calculated and approved by the 
Secretary; 
(C) shall evaluate, or provide assistance to 
eligible homeowners and eligible landlords to 
evaluate, whole-home repair program funds pro-
vided under this subsection with Federal, State, 
and local home repair programs to provide the 
greatest benefit to the greatest number of eligi-
ble landlords and eligible homeowners and avoid 
duplication of benefits and redundancies; 
(D) shall ensure that— 
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(i) all repairs funded or facilitated 
through an award under this subsection 
have been completed; 
(ii) if repairs are not completed and 
the plan for whole-home repairs is not up-
dated to reflect the new scope of work, 
that the loan or grant is repaid on a pro-
rated basis based on completed work; and 
(iii) any unused grant or loan balance 
is returned to the implementing organiza-
tion, and is reused by the implementing or-
ganization for a new whole-home repair 
grant or loan under this subsection; 
(E) may use not more than 5 percent of 
the awarded funds to carry out related func-
tions, including workforce training for home re-
pair professions, which shall be related to ef-
forts to increase the number of home repairs 
performed and approved by the Secretary; 
(F) may use not more than 10 percent of 
the awarded funds for administrative expenses; 
and 
(G) shall comply with Federal accessibility 
requirements and standards under applicable 
Federal fair housing and civil rights laws and 
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regulations, including section 504 of the Reha-
bilitation Act of 1973 (29 U.S.C. 794). 
(3) LOAN AGREEMENT.—In a loan agreement 
with an eligible landlord under this subsection, an 
implementing organization shall include provisions 
establishing that the eligible landlord shall, for each 
eligible rental property for which a loan is used to 
fund repairs under this subsection— 
(A) comply with Federal accessibility re-
quirements and standards under applicable 
Federal fair housing and civil rights laws and 
regulations, including section 504 of the Reha-
bilitation Act of 1973 (29 U.S.C. 794); and 
(B)(i) if the landlord is renting the as-
sisted units available in the eligible rental prop-
erty to tenants receiving tenant-based rental as-
sistance under section 8(o) of the United States 
Housing Act of 1937 (42 U.S.C. 1437f(o)), 
under another tenant-based rental assistance 
program administered by the Secretary or the 
Secretary of Agriculture, or under a tenant- 
based rental subsidy provided by a State or 
local government, comply with the program re-
quirements under the relevant tenant-based 
rental assistance program; or 
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(ii) if the eligible landlord is not renting to 
tenants receiving rental-based assistance as de-
scribed in clause (i)— 
(I)(aa) offer to extend the lease of 
current tenants on current terms, other 
than the terms described in subclause (iv) 
for not less than 3 years beginning after 
the completion of the repairs, unless the 
lease is terminated due to failure to pay 
rent, performance of an illegal act within 
the rental unit, or a violation of an obliga-
tion of tenancy that the tenants failed to 
correct after notice; and 
(bb) if the tenant of an assisted unit 
moves out of the assisted unit at any point 
in the 3-year period following the loan 
agreement, maintain the unit as an afford-
able unit for the remainder of the 3-year 
period; 
(II) provide documentation verifying 
that the property, upon completion of ap-
proved renovations, has met all applicable 
State and local housing and building codes; 
(III) attest that the landlord has no 
known serious violations of renter protec-
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tions that have resulted in fines, penalties, 
or judgments during the preceding 10 
years; and 
(IV) cap annual rent increases for 
each assisted unit at 5 percent of base rent 
or inflation, whichever is lower, for not less 
than 3 years beginning after the comple-
tion of the repairs. 
(4) APPLICATION.— 
(A) IN GENERAL.—An implementing orga-
nization desiring an award under this sub-
section shall submit to the Secretary an applica-
tion that includes— 
(i) the geographic scope of the whole- 
home repairs program to be administered 
by the implementing organization, includ-
ing the plan to address need in any rural, 
suburban, or urban area within a jurisdic-
tion; 
(ii) a plan for selecting subrecipients, 
if applicable; 
(iii) how the implementing organiza-
tion plans to execute the coordination of 
Federal, State, and local home repair pro-
grams, including programs administered by 
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the Department of Energy or the Depart-
ment of Agriculture, to increase efficiency 
and reduce redundancy; 
(iv) available data on the need for af-
fordable and quality housing within the ge-
ographic scope of the whole-home repairs 
program, and any plans to preserve afford-
ability through the term of the award; 
(v) how the implementing organization 
plans to process and verify applications for 
grants from eligible homeowners and appli-
cations for loans from eligible landlords; 
and 
(vi) such other information as the 
Secretary requires to determine the ability 
of an applicant to carry out a program 
under this subsection. 
(B) CONSIDERATIONS.—In making awards 
under this subsection, the Secretary shall— 
(i) with respect to applications sub-
mitted by States other than the District of 
Columbia and the territories of the United 
States, prioritize those applications with a 
demonstrated plan to— 
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(I) make a good faith effort to 
implement the pilot program in every 
jurisdiction; and 
(II) 
provide 
non-metropolitan 
areas, or subrecipients serving non- 
metropolitan areas if applicable, with 
a share of total funds commensurate 
to their population; 
(ii) aim to select applicants so that 
the awardees collectively span diverse geog-
raphies, with an intent to understand the 
impact of the pilot program under this 
subsection in urban, suburban, rural, and 
Tribal settings; and 
(iii) not disqualify implementing orga-
nizations that were awarded grants under 
the pilot program in prior application cy-
cles. 
(5) PROGRAM
INFORMATION.—The Secretary 
shall make available to grant recipients under this 
subsection information regarding existing Federal 
programs for which grant recipients may coordinate 
or provide assistance in coordinating applications for 
those programs in accordance with paragraph 
(2)(C). 
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(6) GRANT NUMBER.—In each year in which an 
award is made under this subsection, the Secretary 
shall award assistance to— 
(A) not less than 2, and not more than 10, 
implementing 
organizations, 
as 
application 
numbers and funding permit; and 
(B) not more than 1 implementing organi-
zation in any State. 
(7) LOANS
THAT
ARE
NOT
FORGIVEN.—If a 
loan made by an implementing organization under 
paragraph (2)(B) is not forgiven, the loan repay-
ment funds shall be reused by the implementing or-
ganization for a new whole-home repair grant or 
loan under this subsection. 
(8) SUPPLEMENT, NOT
SUPPLANT.—Amounts 
awarded under this subsection to implementing orga-
nizations shall supplement, not supplant, other Fed-
eral, State, and local funds made available to those 
entities. 
(9) STREAMLINING
PROGRAM
DELIVERY
AND 
ENSURING EFFICIENCY.—To the extent possible, in 
carrying out the pilot program under this subsection, 
the Secretary shall— 
(A) endeavor to improve efficiency of serv-
ice delivery, as well as the experience of and im-
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pact on the taxpayer, by encouraging pro-
grammatic collaboration and information shar-
ing across Federal, State, and local programs 
for home repair or improvement, including pro-
grams administered by the Department of the 
Agriculture; and 
(B) enhance collaboration and cross-agency 
streamlining efforts that reduce the burdens of 
multiple income verification processes and ap-
plications on the eligible homeowner, the eligible 
landlord, the implementing organization, and 
the Federal Government, including by estab-
lishing assistance application procedures for in-
come eligibility under this subsection that rec-
ognize income eligibility determinations for as-
sistance using any of the criteria under sub-
section (a)(3)(A) that have been used for assist-
ance applications during the 1-year period pre-
ceding the date on which an eligible homeowner 
or eligible landlord applies for assistance under 
this subsection. 
(10) REPORTING REQUIREMENTS.— 
(A) ANNUAL
REPORT.—An implementing 
organization that receives a grant under this 
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subsection shall submit to the Secretary an an-
nual report on initial funding that includes— 
(i) the number of units served, includ-
ing reporting on both homeownership and 
rental units, as well as accessible units; 
(ii) the average cost per unit for 
modifications or repairs and the nature of 
those modifications or repairs, including 
reporting on accessibility and both home-
ownership and rental units; 
(iii) the number of applications re-
ceived, served, denied, or not completed, 
disaggregated by geographic area; 
(iv) the aggregated demographic data 
of grant recipients, which may include data 
on income range, urban, suburban, and 
rural residency, age, and racial and ethnic 
identity; 
(v) the aggregated demographic data 
of loan recipients, which may include data 
on income range, urban, suburban, and 
rural residency, age, and racial and ethnic 
identity; 
(vi) an affirmation that the implemen-
tation organization has complied with the 
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applicable regulations, including compli-
ance with Federal accessibility require-
ments; 
(vii) in the first year of receiving a 
grant, and as certified in subsequent re-
ports, a comprehensive plan to prevent 
waste, fraud, and abuse in the administra-
tion of the pilot program, which shall in-
clude, at a minimum— 
(I) a policy enacted and enforced 
by the implementing organization to 
monitor ongoing expenditures under 
this subsection and ensure compliance 
with applicable regulations; 
(II) a policy enacted and en-
forced by the implementing organiza-
tion to detect and deter fraudulent ac-
tivity, including fraud occurring in in-
dividual projects and patterns of 
fraud by parties involved in the ex-
penditure of funds under this sub-
section; 
(III) a statement setting forth 
any violations detected by the imple-
menting organization during the pre-
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vious calendar year, including details 
about steps taken to achieve compli-
ance and any remedial measures; and 
(IV) a certification by the chief 
executive or most senior compliance 
officer of the organization that the or-
ganization maintains sufficient staff 
and resources to effectively carry out 
the above-mentioned policies; and 
(viii) such other information as the 
Secretary may require. 
(B) REPORTING
REQUIREMENT
ALIGN-
MENT.—To limit the costs of implementing the 
pilot program under this subsection, the Sec-
retary shall endeavor, to the extent possible, to 
structure reporting requirements such that they 
align with the data reporting requirements in 
place for funding streams that implementing or-
ganizations are likely to use in partnership with 
funding from this subsection, including the re-
porting requirements under— 
(i) the Community Development Block 
Grant program under title I of the Hous-
ing and Community Development Act of 
1974 (42 U.S.C. 5301 et seq.); 
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(ii) the HOME Investment Partner-
ships program under subtitle A of title II 
of the Cranston-Gonzalez National Afford-
able Housing Act (42 U.S.C. 12741 et 
seq.); 
(iii) the Weatherization Assistance 
Program for low-income persons estab-
lished under part A of title IV of the En-
ergy Conservation and Production Act (42 
U.S.C. 6861 et seq.); and 
(iv) the Native American Housing As-
sistance and Self-Determination Act of 
1996 (25 U.S.C. 4101 et seq.). 
(C) PILOT PROGRAM PERIOD REPORTS.— 
Not less frequently than twice during the period 
in which the pilot program established under 
this subsection operates, the Office of Inspector 
General of the Department of Housing and 
Urban Development shall complete an assess-
ment of the implementation of measures to en-
sure the fair and legitimate use of the pilot pro-
gram. 
(D) SUMMARY
TO
CONGRESS.—The Sec-
retary shall submit to the Committee on Bank-
ing, Housing, and Urban Affairs of the Senate 
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and the Committee on Financial Services of the 
House of Representatives an annual report pro-
viding a summary of the data provided under 
subparagraphs (A) and (C) during the 1-year 
period preceding the report and all data pre-
viously provided under those subparagraphs. 
(11) FUNDING.—The Secretary— 
(A) is authorized to use up to $30,000,000 
of funds made available as provided in appro-
priations Acts for programs administered by the 
Office of Lead Hazard Control and Healthy 
Homes to carry out the pilot program under 
this subsection; and 
(B) shall submit to the Committee on Ap-
propriations and the Committee on Banking, 
Housing, and Urban Affairs of the Senate and 
the Committee on Appropriations and the Com-
mittee on Financial Services of the House of 
Representatives a report on the appropriations 
accounts from which the Secretary will derive 
the funding under subparagraph (A). 
(12) 
ENVIRONMENTAL
REVIEW.—A 
grant 
under this subsection shall be— 
(A) treated as assistance for a special 
project for purposes of section 305(c) of the 
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Multifamily Housing Property Disposition Re-
form Act of 1994 (42 U.S.C. 3547); and 
(B) subject to the regulations promulgated 
by the Secretary to implement such section. 
(13) TERMINATION.—The pilot program estab-
lished under this subsection shall terminate on Octo-
ber 1, 2031. 
SEC. 205. COMMUNITY INVESTMENT AND PROSPERITY ACT. 
(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 the term ap-
pears and inserting ‘‘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 the term ap-
pears and inserting ‘‘20’’. 
SEC. 206. BUILD NOW ACT. 
(a) DEFINITIONS.—In this section: 
(1) COVERED RECIPIENT.—The term ‘‘covered 
recipient’’ means a metropolitan city or urban coun-
ty, as those terms are defined in section 102 of the 
Housing and Community Development Act of 1974 
(42 U.S.C. 5302), that receives funds under section 
106. 
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(2) CURRENT
ANNUAL
GROWTH
RATE.—The 
term ‘‘current annual growth rate’’, with respect to 
an eligible recipient and a fiscal year, means the av-
erage annual percentage increase in the number of 
housing units in the jurisdiction of the eligible re-
cipient, as calculated by the Secretary, during the 
period— 
(A) beginning with the third quarter of the 
sixth preceding fiscal year; and 
(B) ending with the third quarter of the 
preceding fiscal year. 
(3) ELIGIBLE RECIPIENT.—The term ‘‘eligible 
recipient’’ means any covered recipient unless— 
(A)(i) the median Small Area Fair Market 
Rent in the jurisdiction of the covered recipient 
is at or below the 60th percentile of median 
Small Area Fair Market Rents in the jurisdic-
tions of all covered recipients; and 
(ii) the median home value in the jurisdic-
tion of the covered recipient is below the me-
dian home value for the United States; 
(B) the annual natural rental vacancy rate 
in the jurisdiction of the covered recipient is 
greater than the national annual natural rental 
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vacancy rate for the most recent year available, 
as published by the Bureau of the Census; 
(C) during the 1-year period preceding the 
date on which the Secretary allocates funds 
under section 106, the jurisdiction of the cov-
ered recipient has been the subject of a major 
disaster or emergency declaration under section 
401 or 501, respectively, of the Robert T. Staf-
ford Disaster Relief and Emergency Assistance 
Act (42 U.S.C. 5170, 5191); or 
(D) the covered recipient lacks the legal 
authority to enact or update zoning and permit-
ting ordinances. 
(4) EXTREMELY
HIGH-GROWTH
RECIPIENT.— 
The term ‘‘extremely high-growth recipient’’ means 
an eligible recipient for which the current annual 
growth rate is at or above 4 percent. 
(5) HOUSING GROWTH IMPROVEMENT RATE.— 
The term ‘‘housing growth improvement rate’’, with 
respect to an eligible recipient and a fiscal year, 
means the quotient of— 
(A) the current annual growth rate of the 
eligible recipient; and 
(B) the prior annual growth rate of the eli-
gible recipient. 
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(6) PRIOR ANNUAL GROWTH RATE.—The term 
‘‘prior annual growth rate’’, with respect to an eligi-
ble recipient and a fiscal year, means the average 
annual percentage increase in the number of housing 
units in the jurisdiction of the eligible recipient, as 
calculated by the Secretary, during the period— 
(A) beginning with the third quarter of the 
11th preceding fiscal year; and 
(B) ending with the third quarter of the 
sixth preceding fiscal year. 
(7) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
(8) SECTION
106.—The term ‘‘section 106’’ 
means section 106 of the Housing and Community 
Development Act of 1974 (42 U.S.C. 5306). 
(b) ADJUSTMENTS TO COMMUNITY DEVELOPMENT 
BLOCK GRANT ALLOCATIONS.— 
(1) IN GENERAL.—In allocating amounts to an 
eligible recipient under section 106 for a fiscal year, 
the Secretary shall adjust the allocation based on 
the housing growth improvement rate of the eligible 
recipient, in accordance with paragraph (2) of this 
subsection. 
(2) ADJUSTMENTS.— 
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(A) 
HOUSING
GROWTH
IMPROVEMENT 
RATE
AT
OR
ABOVE
MEDIAN; 
EXTREMELY 
HIGH-GROWTH RECIPIENTS.— 
(i) IN GENERAL.—If, with respect to a 
fiscal year for which the allocation under 
section 106 is being determined, the hous-
ing growth improvement rate for an eligi-
ble recipient is at or above the median 
housing growth improvement rate for all 
eligible recipients other than extremely 
high-growth recipients, or if an eligible re-
cipient is an extremely high-growth recipi-
ent, the Secretary shall allocate to the eli-
gible recipient for that fiscal year, in addi-
tion to the amount that would otherwise be 
allocated to the eligible recipient under sec-
tion 106, a bonus amount, as determined 
under clause (ii) of this subparagraph. 
(ii) BONUS
AMOUNT.—For purposes 
of clause (i), the bonus amount for an eli-
gible recipient for a fiscal year shall be 
equal to the product of— 
(I) the aggregate amount by 
which allocations to eligible recipients 
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are decreased under subparagraph (B) 
for that fiscal year; and 
(II) the quotient of— 
(aa) the number of housing 
units, as of the third quarter of 
the preceding fiscal year, in the 
jurisdiction of the eligible recipi-
ent, as calculated by the Sec-
retary; and 
(bb) the number of housing 
units, as of the third quarter of 
the preceding fiscal year, in the 
jurisdictions of all eligible recipi-
ents that receive a bonus amount 
under this paragraph, as cal-
culated by the Secretary. 
(B) HOUSING
GROWTH
IMPROVEMENT 
RATE BELOW MEDIAN.—If, with respect to a 
fiscal year for which the allocation under sec-
tion 106 is being determined, the housing 
growth improvement rate for an eligible recipi-
ent is below the median housing growth im-
provement rate for all eligible recipients other 
than high-growth outliers, the Secretary shall 
decrease the amount that would otherwise be al-
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located to the eligible recipient under section 
106 for that fiscal year by 10 percent. 
(c) CALCULATION OF HOUSING UNITS.— 
(1) HOUSING AND URBAN DEVELOPMENT RE-
QUIREMENTS.—In calculating the number of housing 
units in the jurisdiction of an eligible recipient under 
any provision of this section, the Secretary shall— 
(A) use the Current Address Count Listing 
Files and other data products, as needed, of the 
Bureau of the Census tabulated from the Mas-
ter Address File; and 
(B) make calculations at the block level, 
using boundaries that reflect the most current 
boundaries. 
(2) CENSUS BUREAU AND POSTAL SERVICE RE-
QUIREMENTS.—The Bureau of the Census and the 
United States Postal Service shall provide any rel-
evant data to the Secretary upon request to assist 
the Secretary in making a calculation described in 
paragraph (1). 
(3) ADJUSTMENT OF CALCULATION PERIODS.— 
The Secretary may adjust the calculation periods 
under subparagraphs (A) and (B) of subsection 
(a)(2), subparagraphs (A) and (B) of subsection 
(a)(6), and items (aa) and (bb) of subsection 
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(b)(2)(A)(ii)(II) by not more than 2 months to 
achieve alignment with the data provided by the Bu-
reau of the Census. 
(d) ANNUAL REPORT
ON HOUSING GROWTH IM-
PROVEMENT RATE.—Before allocating funds under sec-
tion 106 for a fiscal year, the Secretary shall publish a 
report that— 
(1) includes the housing growth improvement 
rate for each eligible recipient; and 
(2) lists, for the most recent fiscal year for 
which allocations were made under section 106— 
(A) the eligible recipients that received a 
bonus amount under subsection (b)(2)(A); and 
(B) the eligible recipients for which the al-
location under section 106 was decreased under 
subsection (b)(2)(B) of this section. 
(e) NOTIFICATION; IMPLEMENTATION DATES.— 
(1) NOTIFICATION.— 
(A) IN GENERAL.—Not later than 60 days 
after the date of enactment of this Act, the Sec-
retary shall notify each eligible recipient of the 
recipient’s housing growth improvement rate 
and whether that housing growth improvement 
rate is above, at, or below the median housing 
growth improvement rate for all eligible recipi-
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ents other than extremely high-growth recipi-
ents. 
(B) GUIDANCE.—As part of the notifica-
tion under subparagraph (A), the Secretary 
shall share guidance, including resources devel-
oped by the Department of Housing and Urban 
Development, on best practices and rec-
ommendations on policies to reduce regulatory 
barriers to housing and increase housing sup-
ply. 
(2) IMPLEMENTATION DATES.—Subsection (b) 
shall take effect beginning with the second full fiscal 
year after the date of enactment of this Act and re-
main in effect through fiscal year 2042. 
SEC. 207. BETTER USE OF INTERGOVERNMENTAL AND 
LOCAL 
DEVELOPMENT 
(BUILD) 
HOUSING 
ACT. 
(a) DESIGNATION
OF
ENVIRONMENTAL
REVIEW 
PROCEDURE.—The Department of Housing and 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-
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view, decision making, and action pursuant to the Na-
tional Environmental Policy Act of 1969 (42 U.S.C. 4321 
et seq.), and other provisions of law that further the pur-
poses 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 Disposition 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.’’. 
(b) TRIBAL ASSUMPTION OF ENVIRONMENTAL RE-
VIEW OBLIGATIONS.—Section 305(c) of the Multifamily 
Housing Property Disposition Reform Act of 1994 (42 
U.S.C. 3547) is amended— 
(1) by striking ‘‘State or unit of general local 
government’’ each place it appears and inserting 
‘‘State, Indian tribe, or unit of general local govern-
ment’’; 
(2) in paragraph (1)(C), in the heading, by 
striking ‘‘STATE OR UNIT OF GENERAL LOCAL GOV-
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ERNMENT’’ and inserting ‘‘STATE, INDIAN TRIBE, OR 
UNIT OF GENERAL LOCAL GOVERNMENT’’; and 
(3) 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 As-
sistance and Self-Determination Act of 1996 (25 
U.S.C. 4103(13)(B)).’’. 
SEC. 
208. 
UNLOCKING 
HOUSING 
SUPPLY 
THROUGH 
STREAMLINED AND MODERNIZED REVIEWS 
ACT. 
(a) DEFINITIONS.—In this section: 
(1) INFILL PROJECT.—The term ‘‘infill project’’ 
means a project that— 
(A) occurs 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 sub-
stantially surrounded by residential or commer-
cial development; 
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(D) will repurpose a vacant or underuti-
lized parcel of land, or a dilapidated or aban-
doned structure; and 
(E) will serve a residential or commercial 
purpose. 
(2) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
(b) NEPA STREAMLINING FOR HUD HOUSING-RE-
LATED ACTIVITIES.— 
(1) IN GENERAL.—The Secretary shall, in ac-
cordance with section 553 of title 5, United States 
Code, and section 103 of the National Environ-
mental Policy Act of 1969 (42 U.S.C. 4333), expand 
and reclassify housing-related activities under the 
necessary administrative regulations as follows: 
(A) The following housing-related activities 
shall be subject to regulations equivalent or 
substantially similar to the regulations entitled 
‘‘exempt activities’’ as set forth in section 58.34 
of title 24, Code of Federal Regulations, as in 
effect on January 1, 2025: 
(i) Tenant-based rental assistance. 
(ii) 
Supportive 
services, 
including 
health care, housing services, permanent 
housing placement, day care, nutritional 
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services, short-term payments for rent, 
mortgage, 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. 
(v) Activities to assist homebuyers to 
purchase existing dwelling units or dwell-
ing units under construction, including 
closing costs and down payment assistance, 
interest rate buydowns, and similar activi-
ties that result in the transfer of title. 
(vi) Affordable housing pre-develop-
ment costs related to obtaining site op-
tions, project financing, administrative 
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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 utili-
ties required under applicable law. 
(B) The following housing-related activities 
shall be subject to regulations equivalent or 
substantially similar to the regulations entitled, 
(i) ‘‘categorical exclusions not subject to section 
58.5’’ and (ii) ‘‘categorical exclusions not sub-
ject to the Federal laws and authorities cited in 
sections 50.4’’ in section 58.35(b) and section 
50.19, respectively of title 24, Code of Federal 
Regulations, as in effect on January 1, 2025, if 
such activities do not materially alter environ-
mental conditions and do not materially exceed 
the original scope of the project: 
(i) Acquisition, repair, improvement, 
reconstruction, or rehabilitation of public 
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facilities and improvements (other than 
buildings) if the facilities and improve-
ments are in place and will be retained in 
the same use without change in size or ca-
pacity of more than 20 percent, including 
replacement of water or sewer lines, recon-
struction of curbs and sidewalks, and re-
paving of streets. 
(ii) Rehabilitation of 1-to-4 unit resi-
dential buildings, and existing housing-re-
lated infrastructure, such as repairs or re-
habilitation of existing wells, septics, or 
utility lines that connect to that housing. 
(iii) New construction, development, 
demolition, acquisition, or disposition on 
up to 4 scattered site existing dwelling 
units where there is a maximum of 4 units 
on any 1 site. 
(iv) Acquisitions (including leasing) or 
disposition of, or equity loans on an exist-
ing structure, or acquisition (including 
leasing) of vacant land if the structure or 
land acquired, financed, or disposed of will 
be retained for the same use. 
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(C) The following housing-related activities 
shall be subject to regulations equivalent or 
substantially 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 sec-
tions 50.4’’ in section 58.35(a) and section 
50.20, respectively, of title 24, Code of Federal 
Regulations, as in effect on January 1, 2025, if 
such activities do not materially alter environ-
mental conditions and do not materially exceed 
the original scope of the project: 
(i) Acquisitions of open space or resi-
dential property, where such property will 
be retained for the same use or will be con-
verted to open space to help residents relo-
cate out of an area designated as a high- 
risk area by the Secretary. 
(ii) Conversion of existing office build-
ings into residential development, subject 
to— 
(I) a maximum number of units 
to be determined by the Secretary; 
and 
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(II) a limitation on the change in 
building size of not more than 20 per-
cent. 
(iii) New construction, development, 
demolition, acquisition, or disposition on 5 
to 15 dwelling units where there is a max-
imum of fifteen units on any 1 site. The 
units can be 15 1-unit buildings or 1 15- 
unit building, or any combination in be-
tween. 
(iv) New construction, development, 
demolition, acquisition, or disposition 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 determined by the Secretary. 
(v) Rehabilitation of buildings and im-
provements 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 development 
of residential housing units. 
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(vii) The voluntary acquisition of 
properties— 
(I) located in a— 
(aa) floodway; 
(bb) floodplain; or 
(cc) other area, clearly delin-
eated by the grantee; and 
(II) that have been impacted by a 
predictable environmental threat to 
the safety and well-being of program 
beneficiaries caused or exacerbated by 
a federally declared disaster. 
(c) REPORT.—The Secretary shall submit to the 
Committee on Banking, Housing, and Urban Affairs of 
the Senate and the Committee on Financial Services of 
the House of Representatives an annual report during the 
5-year period beginning on the date that is 2 years after 
the date of enactment of this Act that provides a summary 
of findings of reductions in review times and administra-
tive cost reduction, with a particular focus on the afford-
able housing sector, as a result of the actions set forth 
in this section, and any recommendations of the Secretary 
for future congressional action with respect to revising 
categorical exclusions or exemptions under title 24, Code 
of Federal Regulations. 
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SEC. 209. INNOVATION FUND. 
(a) DEFINITIONS.—In this section: 
(1) ATTAINABLE HOUSING.—The term ‘‘attain-
able housing’’ means housing that— 
(A) serves— 
(i) a majority of households with in-
come not greater than 80 percent of area 
median income; and 
(ii) households with income not great-
er than 100 percent of area median in-
come; or 
(B) serves— 
(i) a majority of households with in-
come not greater than 60 percent of area 
median income; and 
(ii) households with income not great-
er than 120 percent of area median in-
come. 
(2) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’ means— 
(A) a metropolitan city or urban county, as 
those terms are defined in section 102 of the 
Housing and Community Development Act of 
1974 (42 U.S.C. 5302), that has demonstrated 
an objective improvement in housing supply 
growth, as determined by the Secretary, whose 
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methodology for determining such growth is 
published in the Federal Register to allow for 
public comment not less than 90 days before 
the date on which the notice of funding oppor-
tunity is made available; or 
(B) a unit of general local government or 
Indian tribe, as those terms are defined in sec-
tion 102 of the Housing and Community Devel-
opment Act of 1974 (42 U.S.C. 5302), that has 
demonstrated an objective improvement in 
housing supply growth, as determined by the 
Secretary, whose methodology for determining 
such improvement is published in the Federal 
Register to allow for public comment not less 
than 90 days before the date on which the no-
tice of funding opportunity is made available. 
(3) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
(b) ESTABLISHMENT OF A GRANT PROGRAM.— 
(1) ESTABLISHMENT.—Not later than 1 year 
after the date of enactment of this Act, the Sec-
retary shall establish a program to award grants on 
a competitive basis to eligible entities that have in-
creased their local housing supply. 
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(2) LIST
OF
ELIGIBLE
ENTITIES.—The Sec-
retary shall make a list of eligible entities publicly 
available on the website of the Department of Hous-
ing and Urban Development. 
(3) ELIGIBLE PURPOSES.—An eligible entity re-
ceiving a grant under this section may use funds 
to— 
(A) carry out any of the activities de-
scribed in section 105 of the Housing and Com-
munity Development Act of 1974 (42 U.S.C. 
5305); 
(B) carry out any of the activities per-
mitted under the Local and Regional Project 
Assistance Program established under section 
6702 of title 49, United States Code; 
(C) serve as matching funds under a State 
revolving fund program related to a clean water 
or drinking water program administered by the 
Environmental Protection Agency in which the 
eligible entity is the grantee under that pro-
gram, unless otherwise determined by the Sec-
retary; and 
(D) carry out initiatives of the eligible enti-
ty that facilitate the expansion of the supply of 
attainable housing and that supplement initia-
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tives the eligible entity has carried out, or is in 
the process of carrying out, as specified in the 
application submitted under paragraph (4). 
(4) APPLICATION.— 
(A) IN GENERAL.—An eligible entity seek-
ing a grant under this section shall submit to 
the Secretary an application that provides— 
(i) a description of each purpose for 
which the eligible entity will use the grant, 
and an attestation that the grant will be 
used only for 1 or more eligible purposes 
described in paragraph (3); 
(ii) data on characteristics of in-
creased housing supply during the 3-year 
period ending on the date on which the ap-
plication is submitted, which may include 
whether such housing— 
(I) serves households at a range 
of income levels; and 
(II) has improved the quality and 
affordability of housing in the juris-
diction of the eligible entity; 
(iii) a description of how each eligible 
purpose described in clause (i) may ad-
dress a community need or advance an ob-
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jective, or an aspect of an objective, in-
cluded in the comprehensive housing af-
fordability strategy and community devel-
opment plan of the eligible entity under 
part 91 of title 24, Code of Federal Regu-
lations, or any successor regulation (com-
monly referred to as a ‘‘consolidated 
plan’’); and 
(iv) a description of how the eligible 
entity has carried out, or is in the process 
of carrying out, initiatives that facilitate 
the expansion of the supply of housing. 
(B) INITIATIVES.—Initiatives that meet 
the criteria described in paragraph (3)(D) in-
clude— 
(i) increasing by-right uses, including 
duplex, triplex, quadplex, and multifamily 
buildings, in areas of opportunity; 
(ii) revising or eliminating off-street 
parking requirements to reduce the cost of 
housing production; 
(iii) revising minimum lot size require-
ments, floor area ratio requirements, set- 
back requirements, building heights, and 
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bans or limits on construction to allow for 
denser and more affordable development; 
(iv) instituting incentives to promote 
dense development; 
(v) passing zoning overlays or other 
ordinances that enable the development of 
mixed-income housing; 
(vi) streamlining regulatory require-
ments and shortening processes, increasing 
code enforcement and permitting capacity, 
reforming zoning codes, or other initiatives 
that reduce barriers to increasing housing 
supply and affordability; 
(vii) eliminating restrictions against 
accessory dwelling units and expanding 
their by-right use; 
(viii) using local tax incentives or pub-
lic financing to promote development of at-
tainable housing; 
(ix) streamlining environmental regu-
lations; 
(x) eliminating unnecessary manufac-
tured-housing regulations and restrictions; 
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(xi) minimizing the impact of over-
burdensome energy and water efficiency 
standards on housing costs; and 
(xii) other activities that reduce cost 
of construction, as determined by the Sec-
retary. 
(5) GRANTS.— 
(A) IN
GENERAL.—The Secretary shall 
make not fewer than 25 grants on an annual 
basis (unless amounts appropriated to provide 
grant amounts consistent with subsection (b) 
are insufficient, in which case fewer grants may 
be awarded), with strong consideration of dif-
ferent geographical areas and a relatively even 
spread of rural, suburban, and urban commu-
nities. 
(B) LIMITATIONS ON AWARDS.—No grant 
awarded under this paragraph may be— 
(i) more than $10,000,000; or 
(ii) less than $250,000. 
(C) PRIORITY.—When awarding grants 
under this paragraph, the Secretary shall give 
priority to an eligible entity that has— 
(i) demonstrated the use of innovative 
policies, interventions, or programs for in-
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creasing housing supply, including adop-
tion of any of the frameworks developed 
under section 203; and 
(ii) demonstrated a marked improve-
ment in housing supply growth. 
(c) RULES OF CONSTRUCTION.—Nothing in this sec-
tion shall be construed— 
(1) to authorize the Secretary to mandate, su-
persede, or preempt any local zoning or land use pol-
icy; or 
(2) to affect the requirements of section 
105(c)(1) of the Cranston-Gonzalez National Afford-
able Housing Act (42 U.S.C. 12705(c)(1)). 
(d) AUTHORIZATION OF APPROPRIATIONS.— 
(1) IN GENERAL.—There is authorized to be 
appropriated to carry out this section $200,000,000 
for each of fiscal years 2027 through 2031. 
(2) ADJUSTMENT.—The amount authorized to 
be appropriated under paragraph (1) shall be ad-
justed for inflation based on the Consumer Price 
Index. 
SEC. 210. ACCELERATING HOME BUILDING ACT. 
(a) DEFINITIONS.—In this section: 
(1) AFFORDABLE HOUSING.—The term ‘‘afford-
able housing’’ means housing for which the total 
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monthly housing cost payment is not more than 30 
percent of the monthly household income for a 
household earning not more than 80 percent of the 
area median income. 
(2) COVERED STRUCTURE.—The term ‘‘covered 
structure’’ means— 
(A) a low-rise or mid-rise structure with 
not more than 25 dwelling units; and 
(B) includes— 
(i) an accessory dwelling unit; 
(ii) infill development; 
(iii) a duplex; 
(iv) a triplex; 
(v) a fourplex; 
(vi) a cottage court; 
(vii) a courtyard building; 
(viii) a townhouse; 
(ix) a multiplex; and 
(x) any other structure with not less 
than 2 dwelling units that the Secretary 
considers 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 
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Community Development Act of 1974 (42 
U.S.C. 5302(a)); 
(B) a municipal membership organization; 
and 
(C) an Indian tribe, as defined in section 
102(a) of the Housing and Community Devel-
opment Act of 1974 (42 U.S.C. 5302(a)). 
(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 
Regulations, or any successor regulation. 
(5) INFILL
DEVELOPMENT.—The term ‘‘infill 
development’’ means residential development on 
small parcels in previously established areas for re-
placement by new or refurbished housing that uti-
lizes existing utilities and infrastructure. 
(6) 
MIXED-INCOME
HOUSING.—The 
term 
‘‘mixed-income housing’’ means a housing develop-
ment that is comprised of housing units that pro-
mote differing levels of affordability in the commu-
nity. 
(7) PRE-REVIEWED DESIGNS.—The term ‘‘pre- 
reviewed designs’’, also known as pattern books, 
means sets of construction plans that are assessed 
and approved by localities for compliance with local 
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building and permitting standards to streamline and 
expedite approval pathways for housing construction. 
(8) RURAL
AREA.—The term ‘‘rural area’’ 
means any area other than a city or town that has 
a population of less than 50,000 inhabitants. 
(9) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
(b) AUTHORITY.—The Secretary may award grants 
to eligible entities to select pre-reviewed designs of covered 
structures of mixed-income housing for use in the jurisdic-
tion of the eligible entity. 
(c) CONSIDERATIONS.—In reviewing applications 
submitted by eligible entities for a grant under this sec-
tion, the Secretary shall consider— 
(1) the need for affordable housing by the eligi-
ble entity; 
(2) the presence of high opportunity areas in 
the jurisdiction of 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. 
(d) SET-ASIDE FOR RURAL AREAS.—Of the amount 
made available in each fiscal year for grants under this 
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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) REPORTS.—The Secretary shall require eligible 
entities receiving grants under this section to report on— 
(1) the impacts of the activities carried out 
using the grant amounts in improving the produc-
tion and supply of affordable housing; 
(2) the pre-reviewed designs selected using the 
grant amounts in their communities; 
(3) the number of permits issued for housing 
development utilizing pre-reviewed designs; and 
(4) the number of housing units produced in 
developments utilizing the pre-reviewed designs. 
(f) AVAILABILITY OF INFORMATION.—The Secretary 
shall— 
(1) to the extent possible, encourage localities 
to make publicly available through a website infor-
mation on the pre-reviewed designs selected and sub-
mitted to the Secretary by eligible entities receiving 
grants under this section, including information on 
the benefits of use of those designs; and 
(2) collect, identify, and disseminate best prac-
tices regarding such designs and make such informa-
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tion publicly available on the website of the Depart-
ment of Housing and Urban Development. 
(g) DESIGN ADOPTION AND REPAYMENT.—The Sec-
retary may require an eligible entity to return to the Sec-
retary any grant funds received under this section if the 
selected pre-reviewed designs submitted under this section 
have not been adopted during the 5-year period following 
receipt of the grant, unless that period is extended by the 
Secretary. 
(h) AUTHORIZATION OF APPROPRIATIONS.— 
(1) IN GENERAL.—There is authorized to be 
appropriated to the Secretary such sums as are nec-
essary to carry out this section. 
(2) TECHNICAL
ASSISTANCE.—The Secretary 
may set aside not more than 5 percent of amounts 
appropriated under paragraph (1) in a fiscal year to 
provide technical assistance to grant recipients 
under this section and pre-grant technical assistance 
for prospective applicants. 
SEC. 211. BUILD MORE HOUSING NEAR TRANSIT ACT. 
Section 5309 of title 49, United States Code, is 
amended— 
(1) in subsection (a)— 
(A) by redesignating paragraph (6) as 
paragraph (7); and 
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(B) by inserting after paragraph (5) the 
following: 
‘‘(6) PRO-HOUSING
POLICY.—The term ‘pro- 
housing policy’— 
‘‘(A) means any adopted State or local pol-
icy that will remove regulatory barriers to the 
construction or preservation of housing units, 
including affordable housing units; and 
‘‘(B) shall include any adopted State or 
local policy that— 
‘‘(i) reduces or eliminates parking 
minimums; 
‘‘(ii) establishes a by-right approval 
process for housing under which land use 
development approval is limited to deter-
mining that the development meets objec-
tive zoning and design standards that— 
‘‘(I) involve no subjective judg-
ment by a public official; 
‘‘(II) are uniformly verifiable by 
reference to an external and uniform 
benchmark or criterion available to 
both the land use developer and the 
public official prior to submission; and 
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‘‘(III) include only such stand-
ards as are published and adopted by 
ordinance or resolution by a jurisdic-
tion before submission of a develop-
ment application; 
‘‘(iii) reduces or eliminates minimum 
lot sizes; 
‘‘(iv) eliminates or raises residential 
property height limits or increases the 
number of dwelling units permitted to be 
constructed under a by-right approval 
process; or 
‘‘(v) carries out other policies as de-
termined by the Secretary, in consultation 
with the Secretary of Housing and Urban 
Development.’’; 
(2) in subsection (g)(2), by adding at the end 
the following: 
‘‘(D) ELIGIBILITY
FOR
ADJUSTMENT
OF 
RATING FOR PROJECT JUSTIFICATION CRITERIA 
FOR
PRO-HOUSING
POLICIES; 
CONSIDER-
ATIONS.—In evaluating and rating a project as 
a whole for project justification under subpara-
graph (A), the Secretary— 
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‘‘(i) may increase 1 point on the 5- 
point scale (high, medium-high, medium, 
medium-low, or low) the rating of a project 
if the applicant submits documented evi-
dence of pro-housing policies for areas ac-
cessible to transit facilities along the 
project route; and 
‘‘(ii) should consider whether the pro- 
housing policies documented by the appli-
cant will result, through new production 
and preservation, in an amount of housing 
units, including housing units affordable 
below the area median income, that is ap-
propriate to expected housing demand in 
the project area. 
‘‘(E) CONSULTATION.—In developing the 
evaluation process that could lead to the in-
creased 
rating 
described 
in 
subparagraph 
(D)(i), the Secretary shall consult with the Sec-
retary of Housing and Urban Development.’’; 
(3) in subsection (h)(6), by adding at the end 
the following: 
‘‘(C) ELIGIBILITY
FOR
ADJUSTMENT
OF 
RATING FOR PROJECT JUSTIFICATION CRITERIA 
FOR
PRO-HOUSING
POLICIES; 
CONSIDER-
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ATIONS.—In evaluating and rating the benefits 
of a project under subparagraph (A), the Sec-
retary— 
‘‘(i) may increase the rating of a 
project if the applicant submits docu-
mented evidence of pro-housing policies for 
areas accessible to transit facilities along 
the project route; and 
‘‘(ii) should consider whether the pro- 
housing policies documented by the appli-
cant will result, through new production 
and preservation, in an amount of housing 
units, including housing units affordable 
below the area median income, that is ap-
propriate to expected housing demand in 
the project area. 
‘‘(D) CONSULTATION.—In developing the 
evaluation process that could lead to the in-
creased rating described in subparagraph (C)(i), 
the Secretary shall consult with the Secretary 
of Housing and Urban Development.’’; and 
(4) in subsection (o)— 
(A) in paragraph (1)— 
(i) in subparagraph (B), by striking 
‘‘and’’ at the end; 
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(ii) in subparagraph (C), by striking 
the period at the end and inserting ‘‘; 
and’’; and 
(iii) by adding at the end the fol-
lowing: 
‘‘(D) information concerning projects for 
which the applicant submitted pro-housing poli-
cies under subsection (g)(2)(D) or subsection 
(h)(6) and received an adjustment of rating for 
project justification.’’. 
SEC. 212. REVITALIZING EMPTY STRUCTURES INTO DESIR-
ABLE ENVIRONMENTS (RESIDE) ACT. 
(a) DEFINITIONS.—In this section: 
(1) ATTAINABLE HOUSING.—The term ‘‘attain-
able housing’’ means housing that— 
(A) serves households earning not more 
than 100 percent of the area median income, if 
a majority of the housing units are affordable 
to households earning not more than 80 percent 
of the area median income; or 
(B) serves households earning not more 
than 120 percent of the area median income, if 
the majority of the housing units are affordable 
to households earning not more than 60 percent 
of the area median income. 
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(2) CONVERTED
HOUSING
UNIT.—The term 
‘‘converted housing unit’’ means a housing unit that 
is created using a covered grant. 
(3) COVERED
GRANT.—The term ‘‘covered 
grant’’ means a grant awarded under the Pilot Pro-
gram. 
(4) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’ means a participating jurisdiction, as defined in 
section 104 of the Cranston-Gonzalez National Af-
fordable Housing Act (42 U.S.C. 12704). 
(5) HOME INVESTMENT PARTNERSHIPS PRO-
GRAM.—The term ‘‘HOME Investment Partnerships 
Program’’ means the program under subtitle A of 
title II of the Cranston-Gonzalez National Afford-
able Housing Act (42 U.S.C. 12741 et seq.). 
(6) PILOT
PROGRAM.—The term ‘‘Pilot Pro-
gram’’ means the Blighted Building to Housing 
Conversion Program carried out under subsection 
(b). 
(7) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
(8) VACANT AND ABANDONED BUILDING.—The 
term ‘‘vacant and abandoned building’’ means a 
property— 
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(A) that was constructed for use as a 
warehouse, factory, mall, strip mall, or hotel, or 
for another industrial or commercial use; and 
(B)(i) with respect to which— 
(I) a code enforcement inspection has 
determined that the property is not safe; 
and 
(II) not less than 90 days have 
elapsed since the owner was notified of the 
deficiencies in the property and the owner 
has taken no corrective action; or 
(ii) that is subject to a court-ordered re-
ceivership or nuisance abatement related to 
abandonment pursuant to State or local law or 
otherwise meets the definition of an abandoned 
property under State law. 
(b) GRANT PROGRAM.—For each of fiscal years 2027 
through 2031, if the amounts made available to carry out 
the HOME Investment Partnerships Program exceed 
$1,350,000,000, the Secretary may use not more than 
$100,000,000 of the excess amounts to carry out a pilot 
program, to be known as the ‘‘Blighted Building to Hous-
ing Conversion Program’’, under which the Secretary 
awards grants on a competitive basis to eligible entities 
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to convert vacant and abandoned buildings into attainable 
housing. 
(c) AMOUNT OF GRANT.— 
(1) IN
GENERAL.—For any fiscal year for 
which $100,000,000 is available to carry out the 
Pilot Program pursuant to subsection (b), the 
amount of a covered grant shall be not less than 
$1,000,000 and not more than $10,000,000. 
(2) FISCAL YEARS WITH LOWER FUNDING.— 
For 
any 
fiscal 
year 
for 
which 
less 
than 
$100,000,000 is available to carry out the Pilot Pro-
gram pursuant to subsection (b), the Secretary shall 
seek to maximize the number of covered grants 
awarded. 
(d) RELATION TO HOME INVESTMENT PARTNER-
SHIPS
PROGRAM
FORMULA
ALLOCATION.—A covered 
grant awarded to an eligible entity shall be in addition 
to, and shall not affect, the formula allocation for the eligi-
ble entity under the HOME Investment Partnerships Pro-
gram. 
(e) PRIORITY.—In awarding covered grants, the Sec-
retary shall give priority to an eligible entity that— 
(1) will use the covered grant in a community 
that is experiencing economic distress; 
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(2) will use the covered grant in a qualified op-
portunity zone (as defined in section 1400Z–1(a) of 
the Internal Revenue Code of 1986); 
(3) will use the covered grant to construct hous-
ing that will serve a need identified in the com-
prehensive housing affordability strategy and com-
munity development plan of the eligible entity under 
part 91 of title 24, Code of Federal Regulations, or 
any successor regulation (commonly referred to as a 
‘‘consolidated plan’’); or 
(4) has enacted ordinances to reduce regulatory 
barriers to conversion of vacant and abandoned 
buildings to housing, which shall not include any al-
teration of an ordinance that governs safety and 
habitability. 
(f) USE OF FUNDS.—An eligible entity may use a 
covered grant for— 
(1) property acquisition; 
(2) demolition; 
(3) health hazard remediation; 
(4) site preparation; 
(5) construction, renovation, or rehabilitation; 
or 
(6) the establishment, maintenance, or expan-
sion of community land trusts. 
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(g) APPLICABILITY
OF HOME REQUIREMENTS.— 
The requirements for rental, sale, and resale of housing 
under the HOME Investment Partnerships Program shall 
apply to rental, sale, and resale of converted housing units 
under the Pilot Program. 
(h) WAIVER AUTHORITY.—In administering covered 
grants, the Secretary may waive, or specify alternative re-
quirements for, any statute or regulation that the Sec-
retary administers in connection with the obligation by the 
Secretary or the use by eligible entities of covered grant 
funds (except for requirements related to fair housing, 
nondiscrimination, labor standards, or the environment) 
if the Secretary makes a public finding that good cause 
exists for the waiver or alternative requirement. 
(i) STUDY; REPORT.—Not later than 180 days after 
the termination of the Pilot Program, the Secretary shall 
study and submit a report to Congress on the impact of 
the Pilot Program on— 
(1) improving the tax base of local commu-
nities; 
(2) increasing access to affordable housing, es-
pecially for elderly individuals, disabled individuals, 
and veterans; 
(3) increasing homeownership; and 
(4) removing blight. 
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SEC. 213. HOUSING AFFORDABILITY ACT. 
(a) MULTIFAMILY LOAN LIMIT STUDY.—The Com-
missioner of the Federal Housing Administration, in con-
sultation with the Secretary of the Department of Housing 
and Urban Development, shall conduct a study to assess— 
(1) whether current multifamily loan limits for 
each multifamily mortgage insurance program are 
set at appropriate amounts, including to cover the 
cost of land and construction; 
(2) whether the Commissioner has sufficient au-
thority to set loan limits for each multifamily mort-
gage insurance program at appropriate amounts, in-
cluding to cover the cost of land and construction; 
and 
(3) the potential impacts of altering the calcula-
tion of annual adjustments under section 206A of 
the National Housing Act (12 U.S.C. 1712a) using 
the percentage change in the Consumer Price Index 
for All Urban Consumers to instead use the percent-
age change in the Price Deflator Index of Multi-
family Residential Units Under Construction re-
leased by the Bureau of the Census from March of 
the previous year to March of the year in which the 
adjustment is made, or a combination thereof, in-
cluding— 
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(A) the impact on the General Insurance 
and Special Risk Insurance Fund; 
(B) the availability of multifamily purchase 
and construction lending; 
(C) the impact on prices, including rental 
prices, within the multifamily housing market; 
and 
(D) the impact on housing supply. 
(b) REPORT.—The Commissioner of the Federal 
Housing Administration shall submit a report to Congress 
within 180 days of enactment of this Act summarizing its 
findings under the study in subsection (a). 
(c) RULEMAKING.—The Secretary of Housing and 
Urban Development may, in consultation with the Com-
missioner of the Federal Housing Administration, conduct 
notice and comment rulemaking to increase multifamily 
loan limits in a manner that would not exceed the fol-
lowing: 
(1) With respect to insurance under section 207 
of the National Housing Act (12 U.S.C. 1713)— 
(A) for projects that do not consist of ele-
vator-type structures— 
(i) $83,655 per family unit without a 
bedroom; 
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(ii) $92,664 per family unit with one 
bedroom; 
(iii) $110,682 per family unit with 
two bedrooms; 
(iv) $136,422 per family unit with 
three bedrooms; and 
(v) $154,440 per family unit with four 
or more bedrooms; and 
(B) for projects that consist of elevator- 
type structures— 
(i) $96,525 per family unit without a 
bedroom; 
(ii) $108,108 per family unit with one 
bedroom; 
(iii) $132,561 per family unit with 
two bedrooms; 
(iv) $166,023 per family unit with 
three bedrooms; and 
(v) $187,721.50 per family unit with 
four or more bedrooms. 
(2) With respect to insurance under section 213 
of the National Housing Act (12 U.S.C. 1715e)— 
(A) for projects that do not consist of ele-
vator-type structures— 
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(i) $90,665.50 per family unit without 
a bedroom; 
(ii) $104,524 per family unit with one 
bedroom; 
(iii) $126,060 per family unit with 
two bedrooms; 
(iv) $161,354.50 per family unit with 
three bedrooms; and 
(v) $179,757.50 per family unit with 
four or more bedrooms; and 
(B) for projects that consist of elevator- 
type structures— 
(i) $96,525 per family unit without a 
bedroom; 
(ii) $109,362 per family unit with one 
bedroom; 
(iii) $132,981 per family unit with 
two bedrooms; 
(iv) $172,033.50 per family unit with 
three bedrooms; and 
(v) $188,839 per family unit with four 
or more bedrooms. 
(3) With respect to insurance under section 220 
of the National Housing Act (12 U.S.C. 1715k)— 
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(A) for projects that do not consist of ele-
vator-type structures— 
(i) $83,655 per family unit without a 
bedroom; 
(ii) $92,664 per family unit with one 
bedroom; 
(iii) $110,682 per family unit with 
two bedrooms; 
(iv) $136,422 per family unit with 
three bedrooms; and 
(v) $154,440 per family unit with four 
or more bedrooms; and 
(B) for projects that consist of elevator- 
type structures— 
(i) $96,525 per family unit without a 
bedroom; 
(ii) $108,108 per family unit with one 
bedroom; 
(iii) $132,561 per family unit with 
two bedrooms; 
(iv) $161,023 per family unit with 
three bedrooms; and 
(v) $187,721.50 per family unit with 
four or more bedrooms. 
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(4) With respect to insurance under section 221 
of the National Housing Act (12 U.S.C. 1715l)— 
(A) for projects that do not consist of ele-
vator-type structures— 
(i) $83,254.50 per family unit without 
a bedroom; 
(ii) $94,498.50 per family unit with 
one bedroom; 
(iii) $114,224 per family unit with 
two bedrooms; 
(iv) $143,372 per family unit with 
three bedrooms; and 
(v) $162,461 per family unit with four 
or more bedrooms; and 
(B) for projects that consist of elevator- 
type structures— 
(i) $89,927 per family unit without a 
bedroom; 
(ii) $103,090 per family unit with one 
bedroom; 
(iii) $125,354 per family unit with 
two bedrooms; 
(iv) $162,162 per family unit with 
three bedrooms; and 
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(v) $178,008.50 per family unit with 
four or more bedrooms. 
(5) With respect to insurance under section 231 
of the National Housing Act (12 U.S.C. 1715v)— 
(A) for projects that do not consist of ele-
vator-type structures— 
(i) $83,254.50 per family unit without 
a bedroom; 
(ii) $94,498.50 per family unit with 
one bedroom; 
(iii) $114,224 per family unit with 
two bedrooms; 
(iv) $143,372 per family unit with 
three bedrooms; and 
(v) $162,461 per family unit with four 
or more bedrooms; and 
(B) for projects that consist of elevator- 
type structures— 
(i) $89,927 per family unit without a 
bedroom; 
(ii) $103,090 per family unit with one 
bedroom; 
(iii) $125,354 per family unit with 
two bedrooms; 
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(iv) $162,162 per family unit with 
three bedrooms; and 
(v) $178,008.50 per family unit with 
four or more bedrooms. 
(6) With respect to insurance under section 234 
of the National Housing Act (12 U.S.C. 1715y)— 
(A) for projects that do not consist of ele-
vator-type structures— 
(i) $92,505.50 per family unit without 
a bedroom; 
(ii) $106,658 per family unit with one 
bedroom; 
(iii) $128,631.50 per family unit with 
two bedrooms; 
(iv) $164,648 per family unit with 
three bedrooms; and 
(v) $183,425 per family unit with four 
or more bedrooms; and 
(B) for projects that consist of elevator- 
type structures— 
(i) $97,350 per family unit without a 
bedroom; 
(ii) $111,593 per family unit with one 
bedroom; 
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(iii) $135,696 per family unit with 
two bedrooms; 
(iv) $175,544.50 per family unit with 
three bedrooms; and 
(v) $192,693.50 per family unit with 
four or more bedrooms. 
(d) RULE OF CONSTRUCTION.—Nothing in this sec-
tion or the amendment made by this section shall be con-
strued 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 index-
ing. 
TITLE III—MANUFACTURED 
HOUSING FOR AMERICA 
SEC. 301. HOUSING SUPPLY EXPANSION ACT. 
(a) IN GENERAL.—Section 603(6) of the National 
Manufactured Housing Construction and Safety Stand-
ards Act of 1974 (42 U.S.C. 5402(6)) is amended by 
striking ‘‘on a permanent chassis’’ and inserting ‘‘with or 
without a permanent chassis’’. 
(b) MANUFACTURED HOME CERTIFICATIONS.—Sec-
tion 604 of the National Manufactured Housing Construc-
tion and Safety Standards Act of 1974 (42 U.S.C. 5403) 
is amended by adding at the end the following: 
‘‘(i) MANUFACTURED HOME CERTIFICATIONS.— 
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‘‘(1) IN GENERAL.— 
‘‘(A) INITIAL CERTIFICATION.—Subject to 
subparagraph (B), not later than 1 year after 
the date of enactment of the Renewing Oppor-
tunity in the American Dream to Housing Act 
of 2025, a State shall submit to the Secretary 
an initial certification that the laws and regula-
tions of the State— 
‘‘(i) treat any manufactured home in 
parity with a manufactured home (as de-
fined 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 
manufactured home built on a permanent 
chassis, including with respect to financ-
ing, title, insurance, manufacture, sale, 
taxes, transportation, installation, and 
other areas as the Secretary determines, 
after consultation with and approval by the 
consensus committee, are necessary to give 
effect to the purpose of this section. 
‘‘(B) 
STATE
PLAN
SUBMISSION.—Any 
State plan submitted under subparagraph (C) 
shall contain the required State certification 
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100 
under subparagraph (A) and, if contained 
therein, no additional or State certification 
under subparagraph (A) or paragraph (3). 
‘‘(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 the Renewing Opportunity in the American 
Dream to Housing Act of 2025. 
‘‘(D) LATE CERTIFICATION.— 
‘‘(i) NO WAIVER.—The Secretary may 
not waive the prohibition described in 
paragraph (5)(B) with respect to a certifi-
cation submitted after the deadline under 
subparagraph (A) or paragraph (3) unless 
the Secretary approves the late certifi-
cation. 
‘‘(ii) 
RULE
OF
CONSTRUCTION.— 
Nothing in this subsection shall be con-
strued to prevent a State from submitting 
the initial certification required under sub-
paragraph (A) after the required deadline 
under that subparagraph. 
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101 
‘‘(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 necessary to ensure the veracity of the certifi-
cation required under paragraph (1)(A), including, 
as necessary, 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 regula-
tions. 
‘‘(3) ANNUAL
RECERTIFICATION.—Not later 
than a date to be determined by the Secretary each 
year, a State shall submit to the Secretary an addi-
tional 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 does not 
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102 
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 
submission of initial and subsequent certifications 
required 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 
without 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 the Renewing Opportunity in 
the American Dream to Housing Act of 
2025. 
‘‘(B) 
BUILDING, 
INSTALLATION, 
AND 
SALE.—If a State does not submit a certifi-
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103 
cation under paragraph (1)(A) or (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 
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 
Secretary shall prohibit the manufacture, 
installation, or sale of a covered manufac-
tured home within the State.’’. 
(c) OTHER FEDERAL LAWS REGULATING MANUFAC-
TURED HOMES.—The Secretary of Housing and Urban 
Development may coordinate with the heads of other Fed-
eral agencies to ensure that Federal agencies treat a man-
ufactured home (as defined in Federal laws and regula-
tions other than section 603 of the National Manufactured 
Housing Construction and Safety Standards Act of 1974 
(42 U.S.C. 5402)) in the same manner as a manufactured 
home (as defined in section 603 of the National Manufac-
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104 
tured Housing Construction and Safety Standards Act of 
1974 (42 U.S.C. 5402), as amended by this Act). 
(d) 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; 
(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).’’. 
(e) PREEMPTION.—Nothing in this section or the 
amendments made by this section shall be construed as 
limiting the scope of Federal preemption under section 
604(d) of the National Manufactured Housing Construc-
tion and Safety Standards Act of 1974 (42 U.S.C. 
5403(d)). 
SEC. 302. MODULAR HOUSING PRODUCTION ACT. 
(a) DEFINITIONS.—In this section: 
(1) MANUFACTURED HOME.—The term ‘‘manu-
factured home’’ has the meaning given the term in 
section 603 of the National Manufactured Housing 
Construction and Safety Standards Act of 1974 (42 
U.S.C. 5402). 
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(2) MODULAR
HOME.—The term ‘‘modular 
home’’ means a home that is constructed in a fac-
tory in 1 or more modules, each of which meet appli-
cable State and local building codes of the area in 
which the home will be located, and that are trans-
ported to the home building site, installed on foun-
dations, and completed. 
(3) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
(b) FHA CONSTRUCTION FINANCING PROGRAMS.— 
(1) IN GENERAL.—The Secretary shall conduct 
a review of Federal Housing Administration con-
struction financing programs to identify barriers to 
the use of modular home methods. 
(2) REQUIREMENTS.—In conducting the review 
under paragraph (1), the Secretary shall— 
(A) identify and evaluate regulatory and 
programmatic features that restrict participa-
tion in construction financing programs by 
modular home developers, including construc-
tion draw schedules; and 
(B) identify administrative measures au-
thorized under section 525 of the National 
Housing Act (12 U.S.C. 1735f–3) to facilitate 
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106 
program utilization by modular home devel-
opers. 
(3) REPORT.—Not later than 1 year after the 
date of enactment of this Act, the Secretary shall 
publish a report that describes the results of the re-
view conducted under paragraph (1), which shall in-
clude a description of programmatic and policy 
changes that the Secretary recommends to reduce or 
eliminate identified barriers to the use of modular 
home methods in Federal Housing Administration 
construction financing programs. 
(4) RULEMAKING.— 
(A) IN
GENERAL.—Not later than 120 
days after the date on which the Secretary pub-
lishes the report under paragraph (3), the Sec-
retary shall initiate a rulemaking to examine an 
alternative draw schedule for construction fi-
nancing loans provided to modular and manu-
factured home developers, which shall include 
the ability for interested stakeholders to provide 
robust public comment. 
(B) DETERMINATION.—Following the pe-
riod for public comment under subparagraph 
(A), the Secretary shall— 
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107 
(i) issue a final rule regarding an al-
ternative draw schedule described in sub-
paragraph (A); or 
(ii) provide an explanation as to why 
the rule shall not become final. 
(c) STANDARDIZED UNIFORM COMMERCIAL CODE 
FOR MODULAR HOMES.— 
(1) AWARD.—The Secretary may award a grant 
to study the design and feasibility of a standardized 
uniform commercial code for modular homes, which 
shall evaluate— 
(A) the utility of a standardized coding 
system for serializing and securing modules, 
streamlining design and construction, and im-
proving modular home innovation; and 
(B) a means to coordinate a standardized 
code with financing incentives. 
(2) AUTHORIZATION
OF
APPROPRIATIONS.— 
There is authorized to be appropriated such funds as 
may be necessary to carry out paragraph (1). 
SEC. 303. PROPERTY IMPROVEMENT AND MANUFACTURED 
HOUSING LOAN MODERNIZATION ACT. 
(a) NATIONAL HOUSING ACT AMENDMENTS.— 
(1) IN GENERAL.—Section 2 of the National 
Housing Act (12 U.S.C. 1703) is amended— 
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(A) in subsection (a), by inserting ‘‘con-
struction of additional or accessory dwelling 
units, as defined by the Secretary,’’ after ‘‘en-
ergy conserving improvements,’’; and 
(B) in subsection (b)— 
(i) in paragraph (1)— 
(I) by striking subparagraph (A) 
and inserting the following: 
‘‘(A) $75,000 if made for the purpose of financ-
ing alterations, repairs, and improvements upon or 
in connection with an existing single-family struc-
ture, including a manufactured home;’’; 
(II) in subparagraph (B)— 
(aa) by striking ‘‘$60,000’’ 
and inserting ‘‘$150,000’’; 
(bb) by striking ‘‘$12,000’’ 
and inserting ‘‘$37,500’’; and 
(cc) by striking ‘‘an apart-
ment house or’’; 
(III) by striking subparagraphs 
(C) and (D) and inserting the fol-
lowing: 
‘‘(C)(i) $106,405 if made for the purpose of fi-
nancing the purchase of a single-section manufac-
tured home; and 
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109 
‘‘(ii) $195,322 if made for the purpose of fi-
nancing the purchase of a multi-section manufac-
tured home; 
‘‘(D)(i) $149,782 if made for the purpose of fi-
nancing the purchase of a single-section manufac-
tured home and a suitably developed lot on which to 
place the home; and 
‘‘(ii) $238,699 if made for the purpose of fi-
nancing the purchase of a multi-section manufac-
tured home and a suitably developed lot on which to 
place the home;’’; 
(IV) in subparagraph (E)— 
(aa) by striking ‘‘$23,226’’ 
and inserting ‘‘$43,377’’; and 
(bb) by striking the period 
at the end and inserting a semi-
colon; 
(V) in subparagraph (F), by 
striking ‘‘and’’ at the end; 
(VI) in subparagraph (G), by 
striking the period at the end and in-
serting ‘‘; and’’; and 
(VII) by inserting after subpara-
graph (G) the following: 
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110 
‘‘(H) such principal amount as the Secretary 
may prescribe if made for the purpose of financing 
the construction of an accessory dwelling unit.’’; 
(ii) in the matter immediately pre-
ceding paragraph (2)— 
(I) by striking ‘‘regulation’’ and 
inserting ‘‘notice’’; 
(II) by striking ‘‘increase’’ and 
inserting ‘‘set’’; 
(III) by striking ‘‘(A)(ii), (C), 
(D), and (E)’’ and inserting ‘‘(A) 
through (H)’’; 
(IV) by inserting ‘‘, or as nec-
essary to achieve the goals of the Fed-
eral Housing Administration, periodi-
cally reset the dollar amount limita-
tions in subparagraphs (A) through 
(H) based on justification and meth-
odology set forth in advance by regu-
lation’’ before the period at the end; 
and 
(V) by adjusting the margins ap-
propriately; 
(iii) in paragraph (3), by striking ‘‘ex-
ceeds—’’ and all that follows through the 
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111 
period at the end and inserting ‘‘exceeds 
such period of time as determined by the 
Secretary, not to exceed 30 years.’’; 
(iv) by striking paragraph (9) and in-
serting the following: 
‘‘(9) ANNUAL INDEXING OF CERTAIN DOLLAR 
AMOUNT LIMITATIONS.—The Secretary shall develop 
or choose 1 or more methods of indexing in order to 
annually set the loan limits established in paragraph 
(1), based on data the Secretary determines is ap-
propriate for purposes of this section.’’; and 
(v) in paragraph (11), by striking 
‘‘lease—’’ and all that follows through the 
period at the end and inserting ‘‘lease 
meets the terms and conditions established 
by the Secretary’’. 
(2) DEADLINE FOR DEVELOPMENT OR CHOICE 
OF NEW INDEX; INTERIM INDEX.— 
(A) DEADLINE
FOR
DEVELOPMENT
OR 
CHOICE OF NEW INDEX.—Not later than 1 year 
after the date of enactment of this Act, the Sec-
retary of Housing and Urban Development 
shall develop or choose 1 or more methods of 
indexing as required under section 2(b)(9) of 
the 
National 
Housing 
Act 
(12 
U.S.C. 
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112 
1703(b)(9)), as amended by paragraph (1) of 
this subsection. 
(B) INTERIM INDEX.—During the period 
beginning on the date of enactment of this Act 
and ending on the date on which the Secretary 
of Housing and Urban Development develops or 
chooses 1 or more methods of indexing as re-
quired under section 2(b)(9) of the National 
Housing Act (12 U.S.C. 1703(b)(9)), as 
amended by paragraph (1) of this subsection, 
the method of indexing established by the Sec-
retary under that subsection before the date of 
enactment of this Act shall apply. 
(b) HUD STUDY OF OFF-SITE CONSTRUCTION.— 
(1) DEFINITIONS.—In this subsection: 
(A) OFF-SITE CONSTRUCTION HOUSING.— 
The term ‘‘off-site construction housing’’ in-
cludes 
manufactured 
homes 
and 
modular 
homes. 
(B) MANUFACTURED
HOME.—The term 
‘‘manufactured home’’ means any home con-
structed in accordance with the construction 
and safety standards established under the Na-
tional Manufactured Housing Construction and 
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Safety Standards Act of 1974 (42 U.S.C. 5401 
et seq.). 
(C) MODULAR HOME.—The term ‘‘modular 
home’’ means a home that is constructed in a 
factory in 1 or more modules, each of which 
meet applicable State and local building codes 
of the area in which the home will be located, 
and that are transported to the home building 
site, installed on foundations, and completed. 
(2) STUDY.—The Secretary of Housing and 
Urban Development shall conduct a study and sub-
mit to Congress a report on the cost effectiveness of 
off-site construction housing, that includes— 
(A) an analysis of the advantages of the 
impact of centralization in a factory and trans-
portation to a construction site on cost, preci-
sion, and materials waste; 
(B) the extent to which off-site construc-
tion housing meets housing quality standards 
under the National Standards for the Physical 
Inspection of Real Estate, or other standards as 
the Secretary may prescribe, compared to the 
extent for site-built homes, for such standards; 
(C) the expected replacement and mainte-
nance costs over the first 40 years of life of off- 
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site construction homes compared to those costs 
for site-built homes; and 
(D) opportunities for use beyond single- 
family housing, such as applications in acces-
sory dwelling units, two- to four-unit housing, 
and large multifamily housing. 
SEC. 304. PRICE ACT. 
Title I of the Housing and Community Development 
Act of 1974 (42 U.S.C. 5301 et seq.) is amended— 
(1) in section 105(a) (42 U.S.C. 5305(a)), in 
the matter preceding paragraph (1), by striking 
‘‘Activities’’ and inserting ‘‘Unless otherwise author-
ized under section 123, activities’’; and 
(2) by adding at the end the following: 
‘‘SEC. 123. PRESERVATION AND REINVESTMENT FOR COM-
MUNITY ENHANCEMENT. 
‘‘(a) DEFINITIONS.—In this section: 
‘‘(1) COMMUNITY DEVELOPMENT FINANCIAL IN-
STITUTION.—The term ‘community development fi-
nancial institution’ means an institution that has 
been certified as a community development financial 
institution (as defined in section 103 of the Riegle 
Community Development and Regulatory Improve-
ment Act of 1994 (12 U.S.C. 4702)) by the Sec-
retary of the Treasury. 
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‘‘(2) ELIGIBLE MANUFACTURED HOUSING COM-
MUNITY.—The term ‘eligible manufactured housing 
community’ means a manufactured housing commu-
nity that— 
‘‘(A) is affordable to low- and moderate-in-
come persons, as determined by the Secretary, 
but not more than 120 percent of the area me-
dian income; and 
‘‘(B)(i) is owned by the residents of the 
manufactured housing community through a 
resident-controlled entity such as a resident- 
owned cooperative; or 
‘‘(ii) will be maintained as such a commu-
nity, and remain affordable for low- and mod-
erate-income persons, to the maximum extent 
practicable and for the longest period feasible. 
‘‘(3) ELIGIBLE RECIPIENT.—The term ‘eligible 
recipient’ means— 
‘‘(A) an eligible manufactured housing 
community; 
‘‘(B) a unit of general local government; 
‘‘(C) a housing authority; 
‘‘(D) a resident-owned community; 
‘‘(E) a resident-owned cooperative; 
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‘‘(F) a nonprofit entity with housing exper-
tise or a consortia of such entities; 
‘‘(G) a community development financial 
institution; 
‘‘(H) an Indian tribe; 
‘‘(I) a tribally designated housing entity; 
‘‘(J) a State; or 
‘‘(K) any other entity that is— 
‘‘(i) an owner-operator of an eligible 
manufactured housing community; and 
‘‘(ii) working with an eligible manu-
factured housing community. 
‘‘(4) INDIAN TRIBE.—The term ‘Indian tribe’ 
has the meaning given the term ‘Indian tribe’ in sec-
tion 4 of the Native American Housing Assistance 
and Self-Determination Act of 1996 (25 U.S.C. 
4103). 
‘‘(5) MANUFACTURED HOUSING COMMUNITY.— 
The 
term 
‘manufactured 
housing 
community’ 
means— 
‘‘(A) any community, court, park, or other 
land under unified ownership developed and ac-
commodating or equipped to accommodate the 
placement of manufactured homes, where— 
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117 
‘‘(i) spaces within such community are 
or will be primarily used for residential oc-
cupancy; 
‘‘(ii) all homes within the community 
are used for permanent occupancy; and 
‘‘(iii) a majority of such occupied 
spaces within the community are occupied 
by manufactured homes, which may in-
clude homes constructed prior to enact-
ment of the Manufactured Home Construc-
tion and Safety Standards; or 
‘‘(B) any community that meets the defini-
tion of manufactured housing community used 
for programs similar to the program under this 
section. 
‘‘(6) RESIDENT HEALTH, SAFETY, AND ACCES-
SIBILITY
ACTIVITIES.—The term ‘resident health, 
safety, and accessibility activities’ means the recon-
struction, repair, or replacement of manufactured 
housing and manufactured housing communities 
to— 
‘‘(A) protect the health and safety of resi-
dents; 
‘‘(B) address weatherization and reduce 
utility costs; or 
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118 
‘‘(C) address accessibility needs for resi-
dents with disabilities. 
‘‘(7) TRIBALLY
DESIGNATED
HOUSING
ENTI-
TY.—The term ‘tribally designated housing entity’ 
has the meaning given the term in section 4 of the 
Native American Housing Assistance and Self-De-
termination Act of 1996 (25 U.S.C. 4103). 
‘‘(b) ESTABLISHMENT.—The Secretary shall, by no-
tice, carry out a competitive grant program to award 
funds to eligible recipients to carry out eligible projects 
for development of or improvements in eligible manufac-
tured housing communities. 
‘‘(c) ELIGIBLE PROJECTS.— 
‘‘(1) IN
GENERAL.—Amounts from grants 
under this section may be used for— 
‘‘(A) community infrastructure, facilities, 
utilities, and other land improvements in or 
serving an eligible manufactured housing com-
munity; 
‘‘(B) reconstruction or repair existing 
housing within an eligible manufactured hous-
ing community; 
‘‘(C) replacement of homes within an eligi-
ble manufactured housing community; 
‘‘(D) planning; 
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119 
‘‘(E) resident health, safety, and accessi-
bility activities in homes in an eligible manufac-
tured housing community; 
‘‘(F) land and site acquisition and infra-
structure for expansion or construction of an el-
igible manufactured housing community; 
‘‘(G) resident and community services, in-
cluding relocation assistance, eviction preven-
tion, and down payment assistance; and 
‘‘(H) any other activity that— 
‘‘(i) is approved by the Secretary con-
sistent with the requirements under this 
section; 
‘‘(ii) improves the overall living condi-
tions of an eligible manufactured housing 
community, which may include the addi-
tion or enhancement of shared spaces such 
as community centers, recreational areas, 
or other facilities that support resident 
well-being and community engagement; 
and 
‘‘(iii) is necessary to protect the 
health and safety of the residents of the el-
igible manufactured housing community 
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120 
and the long-term affordability and sus-
tainability of the community. 
‘‘(2) REPLACEMENT.—For purposes of sub-
paragraphs (B) and (C) of paragraph (1), grants 
under this section— 
‘‘(A) may not be used for rehabilitation or 
modernization of units that were built before 
June 15, 1976; and 
‘‘(B) may only be used for disposition and 
replacement of units described in subparagraph 
(A), provided that any replacement housing 
complies with the Manufactured Home Con-
struction and Safety Standards or is another al-
lowed home, as determined by the Secretary. 
‘‘(d) PRIORITY.—In awarding grants under this sec-
tion, the Secretary shall prioritize applicants that will 
carry out activities that primarily benefit low- and mod-
erate-income residents and preserve long-term housing af-
fordability for residents of eligible manufactured housing 
communities. 
‘‘(e) WAIVERS.—The Secretary may waive or specify 
alternative requirements for any provision of law or regu-
lation that the Secretary administers in connection with 
use of amounts made available under this section other 
than requirements related to fair housing, nondiscrimina-
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121 
tion, labor standards, and the environment, upon a finding 
that the waiver or alternative requirement is not incon-
sistent with the overall purposes of this section and that 
the waiver or alternative requirement is necessary to facili-
tate the use of amounts made available under this section. 
‘‘(f) IMPLEMENTATION.— 
‘‘(1) IN GENERAL.—Any grant made under this 
section shall be made pursuant to criteria for selec-
tion of recipients of such grants that the Secretary 
shall by regulation establish and publish together 
with any notification of availability of amounts 
under this section. 
‘‘(2) SET
ASIDE
OF
GRANT
AMOUNTS.—The 
Secretary may set aside amounts provided under 
this section for grants to Indian tribes and tribally 
designated housing entities. 
‘‘(g) AUTHORIZATION OF APPROPRIATIONS.—There 
is authorized to be appropriated to the Secretary such 
sums as may be necessary to carry out this section.’’. 
TITLE IV—ACCESSING THE 
AMERICAN DREAM 
SEC. 401. CREATING INCENTIVES FOR SMALL DOLLAR 
LOAN ORIGINATORS. 
(a) DEFINITIONS.—In this section: 
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(1) DIRECTOR.—The term ‘‘Director’’ means 
the Director of the Bureau of Consumer Financial 
Protection. 
(2) SMALL
DOLLAR
MORTGAGE.—The term 
‘‘small dollar mortgage’’ means a mortgage loan 
having an original principal obligation of not more 
than $100,000 that is— 
(A) secured by real property designed for 
the occupancy of between 1 and 4 families; and 
(B)(i) insured by the Federal Housing Ad-
ministration under title II of the National 
Housing Act (12 U.S.C. 1707 et seq.); 
(ii) made, guaranteed, or insured by the 
Department of Veterans Affairs; 
(iii) made, guaranteed, or insured by the 
Department of Agriculture; or 
(iv) eligible to be purchased or securitized 
by the Federal Home Loan Mortgage Corpora-
tion or the Federal National Mortgage Associa-
tion. 
(b) REQUIREMENT REGARDING LOAN ORIGINATOR 
COMPENSATION PRACTICES.—Not later than 270 days 
after the date of enactment of this Act, the Director shall 
submit to the Committee on Banking, Housing, and 
Urban Affairs of the Senate and the Committee on Finan-
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123 
cial Services of the House of Representatives a report on 
loan originator compensation practices throughout the res-
idential mortgage market, including the relative frequency 
of loan originators being compensated— 
(1) with a salary; 
(2) with a commission reflecting a fixed per-
centage of the amount of credit extended; 
(3) with a commission based on a factor other 
than a fixed percentage of the amount of credit ex-
tended; 
(4) with a combination of salary and commis-
sion; 
(5) on a loan volume basis; 
(6) with a commission reflecting a percentage of 
the amount of credit extended, for which a minimum 
or maximum compensation amount is set; and 
(7) by any other mechanism that the Director 
may find to be a practice for compensating mortgage 
loan originators, including any mechanism that pro-
vides a loan originator with compensation in such a 
way that the loan originator does not necessarily re-
ceive a lower level of compensation for originating a 
small dollar mortgage than the loan originator would 
receive for originating a mortgage loan that is not 
a small dollar mortgage. 
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(c) CONTENTS.—The report required under sub-
section (b) shall include— 
(1) data and other analysis regarding the effect 
of the approaches to loan originator compensation 
described in subsection (b) on the availability of 
small dollar mortgage loans; and 
(2) analysis and discussion regarding other po-
tential barriers to small dollar mortgage lending. 
(d) RULEMAKING.—Following the issuance of the re-
port required under subsection (b), the Director may issue 
regulations to clarify the forms of compensation a lender 
may use to compensate a loan originator that— 
(1) are permissible pursuant to section 129B(c) 
of the Truth in Lending Act (15 U.S.C. 1639b(c)); 
and 
(2) would result in the loan originator receiving 
compensation for originating a small dollar mortgage 
that is not less than the compensation the loan origi-
nator would receive for originating a mortgage loan 
that is not a small dollar mortgage. 
SEC. 402. SMALL DOLLAR MORTGAGE POINTS AND FEES. 
(a) SMALL DOLLAR MORTGAGE DEFINED.—In this 
section, the term ‘‘small dollar mortgage’’ means a mort-
gage with an original principal obligation of less than 
$100,000. 
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(b) AMENDMENTS.— 
(1) IN
GENERAL.—Not later than 270 days 
after the date of enactment of this Act, the Director 
of the Bureau of Consumer Financial Protection, in 
consultation with the Secretary of Housing and 
Urban Development and the Director of the Federal 
Housing Finance Agency, shall evaluate the impact 
of the existing thresholds under section 1026.43 of 
title 12, Code of Federal Regulations, on small dol-
lar mortgage originations. 
(2) RULEMAKING.—Following the evaluation re-
quired under paragraph (1), the Director of the Bu-
reau of Consumer Financial Protection may initiate 
rulemaking to amend the limitations with respect to 
points and fees under section 1026.43 of title 12, 
Code of Federal Regulations, or any successor regu-
lation, to encourage additional lending for small dol-
lar mortgages. 
SEC. 403. APPRAISAL INDUSTRY IMPROVEMENT ACT. 
(a) APPRAISAL STANDARDS.— 
(1) CERTIFICATION OR LICENSING.— 
(A) IN
GENERAL.—Section 202(g)(5) of 
the 
National 
Housing 
Act 
(12 
U.S.C. 
1708(g)(5)) is amended— 
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126 
(i) by moving the paragraph two ems 
to the left; and 
(ii) by striking subparagraphs (A) and 
(B) and inserting the following: 
‘‘(A) be certified or licensed by the State in 
which the property to be appraised is located, except 
that a Federal employee who has as their primary 
duty conducting appraisal-related activities and who 
chooses to become a State-licensed or certified real 
estate appraiser need only to be licensed or certified 
in 1 State or territory to perform appraisals on 
mortgages insured by the Federal Housing Adminis-
tration in all States and territories; 
‘‘(B) meet the requirements under the com-
petency rule set forth in the Uniform Standards of 
Professional Appraisal Practice before accepting an 
assignment; and 
‘‘(C) have demonstrated verifiable education in 
the appraisal requirements established by the Fed-
eral Housing Administration under this subsection, 
which shall include the completion of a course or 
seminar that educates appraisers on those appraisal 
requirements, which shall be provided by— 
‘‘(i) the Federal Housing Administration; 
or 
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127 
‘‘(ii) a third party, so long as the course is 
approved by the Secretary or a State appraiser 
certifying or licensing agency.’’. 
(B) APPLICATION.—Subparagraph (C) of 
section 202(g)(5) of the National Housing Act 
(12 U.S.C. 1708(g)(5)), as added by subpara-
graph (A), shall not apply with respect to any 
certified appraiser approved by the Federal 
Housing Administration to conduct appraisals 
on property securing a mortgage to be insured 
by the Federal Housing Administration on or 
before the effective date under paragraph 
(3)(C). 
(2) COMPLIANCE WITH VERIFIABLE EDUCATION 
AND COMPETENCY REQUIREMENTS.—On and after 
the effective date under paragraph (3)(C), no ap-
praiser may conduct an appraisal on a property se-
curing a mortgage to be insured by the Federal 
Housing Administration unless— 
(A) the appraiser is in compliance with the 
requirements under subparagraphs (A) and (B) 
of section 202(g)(5) of such Act (12 U.S.C. 
1708(g)(5)), as amended by paragraph (1); and 
(B) if the appraiser was not approved by 
the Federal Housing Administration to conduct 
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128 
appraisals on mortgages insured by the Federal 
Housing Administration before the date on 
which the mortgagee letter or guidance take ef-
fect under paragraph (3)(C), the appraiser is in 
compliance with subparagraph (C) of such sec-
tion 202(g)(5). 
(3) IMPLEMENTATION.—Not later than the 240 
days after the date of enactment of this Act, the 
Secretary of Housing and Urban Development shall 
issue a mortgagee letter or guidance that shall— 
(A) implement the amendments made by 
paragraph (1); 
(B) clearly set forth all of the specific re-
quirements under section 202(g)(5) of the Na-
tional Housing Act (12 U.S.C. 1708(g)(5)), as 
amended by paragraph (1), for approval to con-
duct appraisals on property secured by a mort-
gage to be insured by the Federal Housing Ad-
ministration, which shall include— 
(i) providing that, before the effective 
date of the mortgagee letter or guidance, 
compliance with the requirements under 
subparagraphs (A), (B), and (C) of such 
section 202(g)(5), as amended by para-
graph (1), shall be considered to fulfill the 
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129 
requirements under such subparagraphs; 
and 
(ii) providing a method for appraisers 
to demonstrate such prior compliance; and 
(C) take effect not later than the date that 
is 180 days after the date on which the Sec-
retary issues the mortgagee letter or guidance. 
(b) ANNUAL REGISTRY FEES FOR APPRAISAL MAN-
AGEMENT COMPANIES.—Section 1109(a) of the Financial 
Institutions Reform, Recovery, and Enforcement Act of 
1989 (12 U.S.C. 3338(a)) is amended, in the matter fol-
lowing clause (ii) of paragraph (4)(B), by adding at the 
end the following: ‘‘Subject to the approval of the Council, 
the Appraisal Subcommittee may adjust fees established 
under clause (i) or (ii) to carry out its functions under 
this Act.’’. 
(c) STATE CREDENTIALED TRAINEES.— 
(1) MAINTENANCE ON NATIONAL REGISTRY.— 
Section 1103(a) of the Financial Institutions Re-
form, Recovery, and Enforcement Act of 1989 (12 
U.S.C. 3332(a)) is amended— 
(A) in paragraph (3)— 
(i) 
by 
inserting 
‘‘and 
State 
credentialed trainee appraisers’’ after ‘‘li-
censed appraisers’’; and 
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130 
(ii) by striking ‘‘and’’ at the end; 
(B) by striking paragraph (4); 
(C) by redesignating paragraphs (5) and 
(6) as paragraphs (4) and (5), respectively; and 
(D) in paragraph (4), as so redesignated— 
(i) by striking ‘‘year. The report shall 
also detail’’ and inserting ‘‘year, details’’; 
(ii) by striking ‘‘provide’’ and insert-
ing ‘‘provides’’; and 
(iii) by striking the period at the end 
and inserting ‘‘; and’’. 
(2) ANNUAL REGISTRY FEES.— 
(A) IN GENERAL.—Section 1109 of the Fi-
nancial Institutions Reform, Recovery, and En-
forcement Act of 1989 (12 U.S.C. 3338) is 
amended— 
(i) in the section heading, by striking 
‘‘OR
LICENSED’’ and inserting ‘‘, LI-
CENSED, AND CREDENTIALED TRAIN-
EE’’; and 
(ii) in subsection (a)— 
(I) in paragraph (1), by inserting 
‘‘, and in the case of a State with a 
supervisory or trainee program, a ros-
ter listing individuals who have re-
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131 
ceived a State trainee credential’’ 
after ‘‘this title’’; and 
(II) by striking paragraph (2) 
and inserting the following: 
‘‘(2) transmit reports on the issuance and re-
newal of licenses, certifications, credentials, sanc-
tions, and disciplinary actions, including license, cre-
dential, and certification revocations, on a timely 
basis to the national registry of the Appraisal Sub-
committee;’’. 
(B) RULE OF CONSTRUCTION.—Nothing in 
the amendments made by subparagraph (A) 
shall require a State to establish or operate a 
program for State credentialed trainee apprais-
ers, as defined in paragraph (12) of section 
1121 of the Financial Institutions Reform, Re-
covery, and Enforcement Act of 1989, as added 
by paragraph (4) of this subsection. 
(3) TRANSACTIONS REQUIRING THE SERVICES 
OF A STATE CERTIFIED APPRAISER.—Section 1113 
of the Financial Institutions Reform, Recovery, and 
Enforcement Act of 1989 (12 U.S.C. 3342) is 
amended— 
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132 
(A) by striking ‘‘In determining’’ and in-
serting ‘‘(a) IN GENERAL.—In determining’’; 
and 
(B) by adding at the end the following: 
‘‘(b) USE OF STATE CREDENTIALED TRAINEE AP-
PRAISERS.—In performing an appraisal under this sec-
tion, a State certified appraiser may use the assistance 
of a State credentialed trainee appraiser or an unlicensed 
trainee appraiser, except that a State certified appraiser 
assisted by a trainee shall be liable for final work.’’. 
(4) DEFINITION.—Section 1121 of the Finan-
cial Institutions Reform, Recovery, and Enforcement 
Act of 1989 (12 U.S.C. 3350) is amended by adding 
at the end the following: 
‘‘(12) STATE
CREDENTIALED
TRAINEE
AP-
PRAISER.—The term ‘State credentialed trainee ap-
praiser’ means an individual who— 
‘‘(A) meets the minimum criteria estab-
lished by the Appraiser Qualification Board for 
a trainee appraiser credential; and 
‘‘(B) is credentialed by a State appraiser 
certifying and licensing agency.’’. 
(d) GRANTS FOR WORKFORCE AND TRAINING.—Sec-
tion 1109(b) of the Financial Institutions Reform, Recov-
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133 
ery, and Enforcement Act of 1989 (12 U.S.C. 3338(b)) 
is amended— 
(1) in paragraph (5)(B), by striking ‘‘and’’ at 
the end; 
(2) in paragraph (6), by striking the period at 
the end and inserting ‘‘; and’’; and 
(3) by adding at the end the following: 
‘‘(7) to make grants to State appraiser certi-
fying and licensing agencies, nonprofit organizations, 
and institutions of higher education to support the 
carrying out of education and training activities or 
other activities related to addressing appraiser in-
dustry workforce needs, including recruiting and re-
taining workforce talent, such as through scholar-
ship assistance and career pipeline development.’’. 
(e) APPRAISAL SUBCOMMITTEE.—Section 1011 of 
the Federal Financial Institutions Examination Council 
Act of 1978 (12 U.S.C. 3310) is amended, in the first 
sentence, by inserting ‘‘the Department of Veterans Af-
fairs, the Rural Housing Service of the Department of Ag-
riculture, the Department of Housing and Urban Develop-
ment,’’ after ‘‘Financial Protection,’’. 
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SEC. 404. HELPING MORE FAMILIES SAVE ACT. 
Section 23 of the United States Housing Act of 1937 
(42 U.S.C. 1437u) is amended by adding at the end the 
following: 
‘‘(p) ESCROW EXPANSION PILOT PROGRAM.— 
‘‘(1) DEFINITIONS.—In this subsection: 
‘‘(A) COVERED FAMILY.—The term ‘cov-
ered family’ means a family that receives assist-
ance under section 8 or 9 of this Act and is en-
rolled in the pilot program. 
‘‘(B) ELIGIBLE ENTITY.—The term ‘eligi-
ble entity’ means an entity described in sub-
section (c)(2). 
‘‘(C) PILOT
PROGRAM.—The term ‘pilot 
program’ means the pilot program established 
under paragraph (2). 
‘‘(D) 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 regula-
tion. 
‘‘(2) ESTABLISHMENT.—The Secretary shall es-
tablish a pilot program under which the Secretary 
shall select not more than 25 eligible entities to es-
tablish and manage escrow accounts for not more 
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than 5,000 covered families, in accordance with this 
subsection. 
‘‘(3) ESCROW ACCOUNTS.— 
‘‘(A) IN GENERAL.—An eligible entity se-
lected to participate in the pilot program— 
‘‘(i) shall establish an interest-bearing 
escrow 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 at-
tributable to increases in earned income by 
the covered families during the participa-
tion of each covered family in the pilot pro-
gram; and 
‘‘(ii) notwithstanding any other provi-
sion of law, may use funds it controls 
under section 8 or 9 for purposes of mak-
ing the escrow deposit for covered families 
assisted under, or residing in units assisted 
under, section 8 or 9, respectively, pro-
vided such funds are offset by the increase 
in the amount of rent paid by the covered 
family. 
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‘‘(B) INCOME LIMITATION.—An eligible en-
tity may not escrow any amounts for any cov-
ered family whose adjusted income exceeds 80 
percent of the area median income at the time 
of enrollment. 
‘‘(C) WITHDRAWALS.—A covered family 
shall be able to withdraw funds, including inter-
est earned, from an escrow account established 
by an eligible entity under the pilot program— 
‘‘(i) after the covered family ceases to 
receive welfare assistance; and 
‘‘(ii)(I) not earlier than the date that 
is 5 years after the date on which the eligi-
ble entity establishes the escrow account 
under this subsection; 
‘‘(II) not later than the date that is 7 
years after the date on which the eligible 
entity establishes the escrow account under 
this subsection, if the covered family choos-
es to continue to participate in the pilot 
program after the date that is 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 
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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-suffi-
ciency goal as approved by the eligible enti-
ty; or 
‘‘(V) under other circumstances in 
which the Secretary determines an exemp-
tion for good cause is warranted. 
‘‘(D) 
INTERIM
RECERTIFICATION.—For 
purposes of the pilot program, a covered family 
may recertify the income of the covered family 
multiple times per year, as determined by the 
Secretary, and not fewer than once per year. 
‘‘(E) CONTRACT
OR
PLAN.—A covered 
family is not required to complete a standard 
contract of participation or an individual train-
ing and services plan in order to participate in 
the pilot program. 
‘‘(4) EFFECT
OF
INCREASES
IN
FAMILY
IN-
COME.—Any increase in the earned income of a cov-
ered family during the enrollment of the family in 
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the pilot program may not be considered as income 
or a resource for purposes of eligibility of the family 
for other benefits, or amount of benefits payable to 
the family, under any program administered by the 
Secretary. 
‘‘(5) APPLICATION.— 
‘‘(A) IN
GENERAL.—An eligible entity 
seeking to participate in the pilot program shall 
submit to the Secretary an application— 
‘‘(i) at such time, in such manner, 
and containing such information as the 
Secretary may require by notice; and 
‘‘(ii) that includes the number of pro-
posed covered families to be served by the 
eligible entity under this subsection. 
‘‘(B) GEOGRAPHIC
AND
ENTITY
VARI-
ETY.—The Secretary shall ensure that eligible 
entities selected to participate in the pilot pro-
gram— 
‘‘(i) are located across various States 
and in both urban and rural areas; and 
‘‘(ii) vary by size and type, including 
both public housing agencies and private 
owners of projects receiving project-based 
rental assistance under section 8. 
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‘‘(6) NOTIFICATION AND OPT-OUT.—An eligible 
entity participating in the pilot program shall— 
‘‘(A) notify covered families of their enroll-
ment in the pilot program; 
‘‘(B) provide covered families with a de-
tailed description of the pilot program, includ-
ing how the pilot program will impact their rent 
and finances; 
‘‘(C) inform covered families that the fami-
lies cannot simultaneously participate in the 
pilot program and the Family Self-Sufficiency 
program under this section; and 
‘‘(D) provide covered families with the abil-
ity to elect not to participate in the pilot pro-
gram— 
‘‘(i) not less than 2 weeks before the 
date on which the escrow account is estab-
lished under paragraph (3); and 
‘‘(ii) at any point during the duration 
of the pilot program. 
‘‘(7) MAXIMUM
RENTS.—During the term of 
participation by a covered family in the pilot pro-
gram, the amount of rent paid by the covered family 
shall be calculated under the rental provisions of sec-
tion 3 or 8(o), as applicable. 
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‘‘(8) PILOT PROGRAM TIMELINE.— 
‘‘(A) AWARDS.—Not later than 18 months 
after the date of enactment of this subsection, 
the Secretary shall select the eligible entities to 
participate in the pilot program. 
‘‘(B) ESTABLISHMENT AND TERM OF AC-
COUNTS.—An eligible entity selected to partici-
pate in the pilot program shall— 
‘‘(i) not later than 6 months after se-
lection, establish escrow accounts under 
paragraph (3) for covered families; and 
‘‘(ii) 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 escrow 
account is established. 
‘‘(9) NONPARTICIPATION AND HOUSING ASSIST-
ANCE.— 
‘‘(A) IN GENERAL.—Assistance under sec-
tion 8 or 9 for a family that elects not to par-
ticipate in the pilot program shall not be de-
layed or denied by reason of such election. 
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‘‘(B) NO TERMINATION.—Housing assist-
ance may not be terminated as a consequence 
of participating, or not participating, in the 
pilot program under this subsection for any pe-
riod of time. 
‘‘(10) STUDY.—Not later than 8 years after the 
date the Secretary selects eligible entities to partici-
pate in the pilot program under this subsection, the 
Secretary shall conduct a study and 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 a report on out-
comes for covered families under 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 individual incomes. 
‘‘(11) WAIVERS.—To allow selected eligible en-
tities to effectively administer the pilot program and 
make the required escrow account deposits under 
this subsection, the Secretary may waive require-
ments under this section. 
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‘‘(12) TERMINATION.—The pilot program under 
this subsection shall terminate on the date that is 10 
years after the date of enactment of this subsection. 
‘‘(13) AUTHORIZATION OF APPROPRIATIONS.— 
‘‘(A) IN GENERAL.—There is authorized to 
be appropriated to the Secretary for fiscal year 
2026 such sums as may be necessary— 
‘‘(i) for technical assistance related to 
implementation of the pilot program; and 
‘‘(ii) to carry out an evaluation of the 
pilot program under paragraph (10). 
‘‘(B) AVAILABILITY.—Any amounts appro-
priated under this subsection shall remain avail-
able until expended.’’. 
SEC. 405. CHOICE IN AFFORDABLE HOUSING ACT. 
(a) 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)), as amended by sec-
tion 101(a) of the Housing Opportunity Through Mod-
ernization Act of 2016 (Public Law 114–201; 130 Stat. 
783), is amended by adding at the end the following: 
‘‘(I) SATISFACTION
OF
INSPECTION
RE-
QUIREMENTS
THROUGH
PARTICIPATION
IN 
OTHER HOUSING PROGRAMS.— 
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‘‘(i) 
LOW-INCOME
HOUSING
TAX 
CREDIT-FINANCED
BUILDINGS.—A dwell-
ing unit shall be deemed to meet the in-
spection requirements under this para-
graph 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 
(I) during the preceding 12-month pe-
riod; and 
‘‘(III) the applicable public hous-
ing agency is able to obtain the re-
sults of the inspection described in 
subclause (II). 
‘‘(ii) HOME
INVESTMENT
PARTNER-
SHIPS
PROGRAM.—A dwelling shall be 
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deemed to meet the inspection require-
ments under this paragraph if— 
‘‘(I) the dwelling unit is assisted 
under the HOME Investment Part-
nerships Program under title II of the 
Cranston-Gonzalez National Afford-
able Housing Act (42 U.S.C. 12721 et 
seq.); 
‘‘(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 re-
sults of the inspection described in 
subclause (II). 
‘‘(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; 
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‘‘(II) the dwelling unit was phys-
ically inspected and passed inspection 
in connection with the assistance de-
scribed in subclause (I) during the 
preceding 12-month period; and 
‘‘(III) the applicable public hous-
ing agency is able to obtain the re-
sults 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 inspection of a unit. 
‘‘(v) 
RULE
OF
CONSTRUCTION.— 
Nothing in clause (i), (ii), (iii), or (iv) shall 
be construed to affect the operation of a 
housing program described in, or author-
ized under a provision of law described in, 
that clause.’’. 
(b) PRE-APPROVAL OF UNITS.—Section 8(o)(8)(A) 
of the United States Housing Act of 1937 (42 U.S.C. 
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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 
assistance payment contract with a 
public 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-
lected by a tenant assisted under this 
subsection. 
‘‘(III) EFFECT.—An inspection 
conducted under subclause (II) that 
determines that the dwelling unit 
meets the housing quality standards 
under subparagraph (B) shall satisfy 
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this subparagraph and subparagraph 
(C) if the new landlord enters into a 
lease agreement with a tenant assisted 
under this subsection not later than 
60 days after the date of the inspec-
tion. 
‘‘(IV) INFORMATION WHEN FAM-
ILY
IS
SELECTED.—When a public 
housing agency selects a family to 
participate in the tenant-based assist-
ance program under this subsection, 
the public housing agency shall in-
clude in the information provided to 
the family a list of dwelling units that 
have been inspected under subclause 
(II) and determined to meet the hous-
ing quality standards under subpara-
graph (B).’’. 
TITLE V—PROGRAM REFORM 
SEC. 501. REFORMING DISASTER RECOVERY ACT. 
(a) DEFINITIONS.—In this section: 
(1) DEPARTMENT.—The term ‘‘Department’’ 
means the Department of Housing and Urban De-
velopment. 
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(2) FUND.—The term ‘‘Fund’’ means the 
Long-Term Disaster Recovery Fund established 
under subsection (c). 
(3) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
(b) DUTIES OF THE DEPARTMENT OF HOUSING AND 
URBAN DEVELOPMENT.— 
(1) IN GENERAL.—The offices and officers of 
the Department shall be responsible for— 
(A) leading and coordinating the disaster- 
related responsibilities of the Department under 
the National Response Framework, the Na-
tional Disaster Recovery Framework, and the 
National Mitigation Framework; 
(B) coordinating and administering pro-
grams, policies, and activities of the Depart-
ment related to disaster relief, long-term recov-
ery, resiliency, and mitigation, including dis-
aster recovery assistance under title I of the 
Housing and Community Development Act of 
1974 (42 U.S.C. 5301 et seq.); 
(C) supporting disaster-impacted commu-
nities as those communities specifically assess, 
plan for, and address the housing stock and 
housing needs in the transition from emergency 
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shelters and interim housing to permanent 
housing of those displaced, especially among 
vulnerable populations and extremely low-, low- 
, and moderate-income households; 
(D) collaborating with the Federal Emer-
gency Management Agency and the Small Busi-
ness Administration and across the Department 
to align disaster-related regulations and poli-
cies, including incorporation of consensus-based 
codes and standards and insurance purchase re-
quirements, and ensuring coordination and re-
ducing duplication among other Federal dis-
aster recovery programs; 
(E) promoting best practices in mitigation 
and resilient land use planning; 
(F) coordinating technical assistance, in-
cluding mitigation, resiliency, and recovery 
training and information on all relevant legal 
and regulatory requirements, to entities that re-
ceive disaster recovery assistance under title I 
of the Housing and Community Development 
Act of 1974 (42 U.S.C. 5301 et seq.) that dem-
onstrate capacity constraints; and 
(G) supporting State, Tribal, and local 
governments in developing, coordinating, and 
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maintaining their capacity for disaster resilience 
and recovery and developing pre-disaster recov-
ery and hazard mitigation plans, in coordina-
tion with the Federal Emergency Management 
Agency and other Federal agencies. 
(2) ESTABLISHMENT OF THE OFFICE OF DIS-
ASTER MANAGEMENT AND RESILIENCY.—Section 4 
of the Department of Housing and Urban Develop-
ment Act (42 U.S.C. 3533) is amended by adding at 
the end the following: 
‘‘(i) OFFICE OF DISASTER MANAGEMENT AND RE-
SILIENCY.— 
‘‘(1) ESTABLISHMENT.—There is established, 
in the Office of the Secretary, the Office of Disaster 
Management and Resiliency. 
‘‘(2) DUTIES.—The Office of Disaster Manage-
ment and Resiliency shall— 
‘‘(A) be responsible for oversight and co-
ordination of all departmental disaster pre-
paredness and response responsibilities; and 
‘‘(B) coordinate with the Federal Emer-
gency Management Agency, the Small Business 
Administration, and the Office of Community 
Planning and Development and other offices of 
the Department in supporting recovery and re-
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silience activities to provide a comprehensive 
approach in working with communities.’’. 
(c) LONG-TERM DISASTER RECOVERY FUND.— 
(1) ESTABLISHMENT.—There is established in 
the Treasury of the United States an account to be 
known as the Long-Term Disaster Recovery Fund. 
(2) DEPOSITS, TRANSFERS, AND CREDIT.— 
(A) IN GENERAL.—The Fund shall consist 
of amounts appropriated, transferred, and cred-
ited to the Fund. 
(B) TRANSFERS.—The following may be 
transferred to the Fund: 
(i) Amounts made available through 
section 106(c)(4) of the Housing and Com-
munity Development Act of 1974 (42 
U.S.C. 5306(c)(4)) as a result of actions 
taken under section 104(e), 111, or 124(j) 
of such Act. 
(ii) Any unobligated balances available 
until expended remaining or subsequently 
recaptured from amounts appropriated for 
any disaster and related purposes under 
the heading ‘‘Community Development 
Fund’’ in any Act prior to the establish-
ment of the Fund. 
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(C) USE
OF
TRANSFERRED
AMOUNTS.— 
Amounts transferred to the Fund shall be used 
for the eligible uses described in paragraph (3). 
(3) ELIGIBLE USES OF FUND.— 
(A) IN GENERAL.—Amounts in the Fund 
shall be available— 
(i) to provide assistance in the form of 
grants under section 124 of the Housing 
and Community Development Act of 1974, 
as added by subsection (d); and 
(ii) for activities of the Department 
that support the provision of such assist-
ance, including necessary salaries and ex-
penses, information technology, and capac-
ity building, technical assistance, and pre- 
disaster readiness. 
(B) SET ASIDE.—Of each amount appro-
priated for or transferred to the Fund, 3 per-
cent shall be made available for activities de-
scribed in subparagraph (A)(ii), which shall be 
in addition to other amounts made available for 
those activities. 
(C) TRANSFER OF FUNDS.—With respect 
to amounts made available for use in accord-
ance with subparagraph (B)— 
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(i) amounts may be transferred to the 
account under the heading for ‘‘Program 
Offices—Salaries and Expenses—Commu-
nity Planning and Development’’, or any 
successor account, for the Department to 
carry out activities described in paragraph 
(1)(B); and 
(ii) amounts may be used for the ac-
tivities described in subparagraph (A)(ii) 
and for the administrative costs of admin-
istering any funds appropriated to the De-
partment under the heading ‘‘Community 
Planning and Development—Community 
Development Fund’’ for any major disaster 
declared under section 401 of the Robert 
T. Stafford Disaster Relief and Emergency 
Assistance Act (42 U.S.C. 5170) in any 
Act before the establishment of the Fund. 
(D) INSPECTOR GENERAL.— 
(i) IN GENERAL.—Not less than one- 
tenth of 1 percent of each series of awards 
the Secretary makes from the Fund shall 
be transferred to the account under the 
heading ‘‘Office of Inspector General’’ for 
the Department of Housing and Urban 
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Development to support audit activities 
and to investigate grantee noncompliance 
with program requirements and waste, 
fraud, and abuse as a result of appropria-
tions made available through the Fund. 
(ii) AVAILABILITY.—Funding under 
clause (i) shall not be made available to 
the Office of Inspector General until 90 
days after the date on which the grantee 
plan or supplemental plan for the grantee 
is approved by the Secretary under sub-
section (c) or (f)(3)(C) of section 124 of 
the Housing and Community Development 
Act of 1974, as added by subsection (d), is 
approved by the Secretary. 
(4) INTERCHANGEABILITY OF PRIOR ADMINIS-
TRATIVE AMOUNTS.—Any amounts appropriated in 
any Act prior to the establishment of the Fund and 
transferred to the account under the heading ‘‘Pro-
gram Offices—Salaries and Expenses—Community 
Planning and Development’’, or any predecessor ac-
count, for the Department for the costs of admin-
istering funds appropriated to the Department under 
the heading ‘‘Community Planning and Develop-
ment—Community Development Fund’’ for any 
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major disaster declared under section 401 of the 
Robert T. Stafford Disaster Relief and Emergency 
Assistance Act (42 U.S.C. 5170) shall be available 
for the costs of administering any such funds pro-
vided by any prior or future Act, notwithstanding 
the purposes for which those amounts were appro-
priated and in addition to any amount provided for 
the same purposes in other appropriations Acts. 
(5) AVAILABILITY OF AMOUNTS.—Amounts ap-
propriated, transferred, and credited to the Fund 
shall remain available until expended. 
(6) FORMULA ALLOCATION.—Use of amounts 
in the Fund for grants shall be made by formula al-
location in accordance with the requirements of sec-
tion 124(a) of the Housing and Community Develop-
ment Act of 1974, as added by subsection (d). 
(7) AUTHORIZATION
OF
APPROPRIATIONS.— 
There are authorized to be appropriated to the Fund 
such sums as may be necessary to respond to cur-
rent or future major disasters declared under section 
401 of the Robert T. Stafford Disaster Relief and 
Emergency Assistance Act (42 U.S.C. 5179) for 
grants under section 124 of the Housing and Com-
munity Development Act of 1974, as added by sub-
section (d). 
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(d) ESTABLISHMENT OF CDBG DISASTER RECOV-
ERY PROGRAM.—Title I of the Housing and Community 
Development Act of 1974 (42 U.S.C. 5301 et seq.), as 
amended by this Act, is amended— 
(1) in section 102(a) (42 U.S.C. 5302(a))— 
(A) in paragraph (20)— 
(i) by redesignating subparagraph (B) 
as subparagraph (C); 
(ii) in subparagraph (C), as so redes-
ignated, by inserting ‘‘or (B)’’ after ‘‘sub-
paragraph (A)’’; and 
(iii) by inserting after subparagraph 
(A) the following: 
‘‘(B) The term ‘persons of extremely low in-
come’ means families and individuals whose income 
levels do not exceed household income levels deter-
mined by the Secretary under section 3(b)(2) of the 
United States Housing Act of 1937 (42 U.S.C. 
1437a(b)(2)(C)), except that the Secretary may pro-
vide alternative definitions for the Commonwealth of 
Puerto Rico, Guam, the Commonwealth of the 
Northern Mariana Islands, the United States Virgin 
Islands, and American Samoa.’’; and 
(B) by adding at the end the following: 
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‘‘(25) The term ‘major disaster’ has the mean-
ing given the term in section 102 of the Robert T. 
Stafford Disaster Relief and Emergency Assistance 
Act (42 U.S.C. 5122).’’; 
(2) 
in 
section 
106(c)(4) 
(42 
U.S.C. 
5306(c)(4))— 
(A) in subparagraph (A)— 
(i) by striking ‘‘declared by the Presi-
dent under the Robert T. Stafford Disaster 
Relief and Emergency Assistance Act’’; 
(ii) inserting ‘‘States for use in non-
entitlement areas and to’’ before ‘‘metro-
politan cities’’; and 
(iii) inserting ‘‘major’’ after ‘‘affected 
by the’’; 
(B) in subparagraph (C)— 
(i) by striking ‘‘metropolitan city or’’ 
and inserting ‘‘State, metropolitan city, 
or’’; 
(ii) by striking ‘‘city or county’’ and 
inserting ‘‘State, city, or county’’; and 
(iii) by inserting ‘‘major’’ before ‘‘dis-
aster’’; 
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501(c) of the Renewing Opportunity in the Amer-
ican Dream to Housing Act of 2025 (hereinafter re-
ferred to as the ‘Fund’) for necessary expenses for 
activities authorized under subsection (f)(1) related 
to disaster relief, long-term recovery, restoration of 
housing and infrastructure, economic revitalization, 
and mitigation in the most impacted and distressed 
areas resulting from a catastrophic major disaster. 
‘‘(2) GRANT AWARDS.—Grants shall be awarded 
under this section to States, units of general local 
government, and Indian tribes based on capacity and 
the concentration of damage, as determined by the 
Secretary, to support the efficient and effective ad-
ministration of funds. 
‘‘(3) 
SECTION
106
ALLOCATIONS.—Grants 
under this section shall not be considered relevant to 
the formula allocations made pursuant to section 
106. 
‘‘(4) FEDERAL REGISTER NOTICE.— 
‘‘(A) IN
GENERAL.—Not later than 30 
days after the date of enactment of this section, 
the Secretary shall issue a notice in the Federal 
Register containing the latest formula allocation 
methodologies used to determine the total esti-
mate of unmet needs related to housing, eco-
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nomic revitalization, and infrastructure in the 
most impacted and distressed areas resulting 
from a catastrophic major disaster. 
‘‘(B) PUBLIC COMMENT.—If the Secretary 
has not already requested public comment on 
the formula described in the notice required by 
subparagraph (A), the Secretary shall solicit 
public comments on— 
‘‘(i) the methodologies described in 
subparagraph (A) and seek alternative 
methods for formula allocation within a 
similar total amount of funding; 
‘‘(ii) the impact of formula methodolo-
gies on rural areas and Tribal areas; 
‘‘(iii) adjustments to improve tar-
geting to the most serious needs; 
‘‘(iv) objective criteria for grantee ca-
pacity and concentration of damage to in-
form grantee determinations and minimum 
allocation thresholds; and 
‘‘(v) research and data to inform an 
additional amount to be provided for miti-
gation depending on type of disaster, which 
shall be up to 18 percent of the total esti-
mate of unmet needs. 
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‘‘(5) REGULATIONS.— 
‘‘(A) IN GENERAL.—The Secretary shall, 
by regulation, establish a formula to allocate as-
sistance from the Fund to the most impacted 
and distressed areas resulting from a cata-
strophic major disaster. 
‘‘(B) FORMULA REQUIREMENTS.—The for-
mula established under subparagraph (A) 
shall— 
‘‘(i) set forth criteria to determine 
that a major disaster is catastrophic, which 
criteria shall consider the presence of a 
high concentration of damaged housing or 
businesses that individual, State, Tribal, 
and local resources could not reasonably be 
expected to address without additional 
Federal assistance or other nationally en-
compassing data that the Secretary deter-
mines are adequate to assess relative im-
pact and distress across geographic areas; 
‘‘(ii) include a methodology for identi-
fying most impacted and distressed areas, 
which shall consider unmet serious needs 
related to housing, economic revitalization, 
and infrastructure; 
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‘‘(iii) include an allocation calculation 
that considers the unmet serious needs re-
sulting from the catastrophic major dis-
aster and an additional amount up to 18 
percent for activities to reduce risks of loss 
resulting from other natural disasters in 
the most impacted and distressed area, pri-
marily for the benefit of low- and mod-
erate-income persons, with particular focus 
on activities that reduce repetitive loss of 
property and critical infrastructure; and 
‘‘(iv) establish objective criteria for 
periodic review and updates to the formula 
to reflect changes in available data. 
‘‘(C) 
MINIMUM
ALLOCATION
THRESH-
OLD.—The Secretary shall, by regulation, es-
tablish a minimum allocation threshold. 
‘‘(D) INTERIM
ALLOCATION.—Until such 
time that the Secretary issues final regulations 
under this paragraph, the Secretary shall— 
‘‘(i) allocate assistance from the Fund 
using the formula allocation methodology 
published in accordance with paragraph 
(4); and 
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‘‘(ii) include an additional amount for 
mitigation of up to 18 percent of the total 
estimate of unmet need. 
‘‘(6) ALLOCATION OF FUNDS.— 
‘‘(A) IN GENERAL.—The Secretary shall— 
‘‘(i) except as provided in clause (ii), 
not later than 90 days after the President 
declares a major disaster, use best avail-
able data to determine whether the major 
disaster is catastrophic and qualifies for 
assistance under the formula described in 
paragraph (4) or (5), unless data is insuf-
ficient to make this determination; and 
‘‘(ii) if the best available data is insuf-
ficient to make the determination required 
under clause (i) within the 90-day period 
described in that clause, the Secretary 
shall determine whether the major disaster 
qualifies when sufficient data becomes 
available, but in no case shall the Sec-
retary make the determination later than 
120 days after the declaration of the major 
disaster. 
‘‘(B) ANNOUNCEMENT OF ALLOCATION.— 
If amounts are available in the Fund at the 
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164 
time the Secretary determines that the major 
disaster is catastrophic and qualifies for assist-
ance under the formula described in paragraph 
(4) or (5), the Secretary shall immediately an-
nounce an allocation for a grant under this sec-
tion. 
‘‘(C) ADDITIONAL
AMOUNTS.—If addi-
tional amounts are appropriated to the Fund 
after amounts are allocated under subpara-
graph (B), the Secretary shall announce an al-
location or additional allocation (if a prior allo-
cation under subparagraph (B) was less than 
the formula calculation) within 15 days of any 
such appropriation. 
‘‘(7) PRELIMINARY FUNDING.— 
‘‘(A) IN GENERAL.—To speed recovery, the 
Secretary is authorized to allocate and award 
preliminary grants from the Fund before mak-
ing a determination under paragraph (6)(A) if 
the Secretary projects, based on a preliminary 
assessment of impact and distress, that a major 
disaster is catastrophic and would likely qualify 
for funding under the formula described in 
paragraph (4) or (5). 
‘‘(B) AMOUNT.— 
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‘‘(i) MAXIMUM.—The Secretary may 
award preliminary funding under subpara-
graph (A) in an amount that is not more 
than $5,000,000. 
‘‘(ii) SLIDING SCALE.—The Secretary 
shall, by regulation, establish a sliding 
scale for preliminary funding awarded 
under subparagraph (A) based on the size 
of the preliminary assessment of impact 
and distress. 
‘‘(C) USE OF FUNDS.—The uses of pre-
liminary funding awarded under subparagraph 
(A) shall be limited to eligible activities that— 
‘‘(i) in the determination of the Sec-
retary, will support faster recovery, im-
prove the ability of the grantee to assess 
unmet recovery needs, plan for the preven-
tion of improper payments, and reduce 
fraud, waste, and abuse; and 
‘‘(ii) may include evaluating the in-
terim housing, permanent housing, and 
supportive service needs of the disaster im-
pacted community, with special attention 
to vulnerable populations, such as homeless 
and low- to moderate-income households, 
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166 
to inform the grantee action plan required 
under subsection (c). 
‘‘(D) CONSIDERATION OF FUNDING.—Pre-
liminary funding awarded under subparagraph 
(A)— 
‘‘(i) is not subject to the certification 
requirements of subsection (h)(1); and 
‘‘(ii) shall not be considered when cal-
culating the amount of the grant used for 
administrative costs, technical assistance, 
and planning activities that are subject to 
the requirements under subsection (f)(2). 
‘‘(E) WAIVER.—To expedite the use of 
preliminary funding for activities described in 
this paragraph, the Secretary may waive or 
specify alternative requirements to the require-
ments of this section in accordance with sub-
section (i). 
‘‘(F) AMENDED AWARD.— 
‘‘(i) IN GENERAL.—An award for pre-
liminary funding under subparagraph (A) 
may be amended to add any subsequent 
amount awarded because of a determina-
tion by the Secretary that a major disaster 
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is catastrophic and qualifies for assistance 
under the formula. 
‘‘(ii) 
APPLICABILITY.—Notwith-
standing subparagraph (D), amounts pro-
vided by an amendment under clause (i) 
are subject to the requirements under sub-
sections (f)(1) and (h)(1) and other re-
quirements on grant funds under this sec-
tion. 
‘‘(G) TECHNICAL
ASSISTANCE.—Concur-
rent with the allocation of any preliminary 
funding awarded under this paragraph, the Sec-
retary shall assign or provide technical assist-
ance to the recipient of the grant. 
‘‘(b) INTERCHANGEABILITY.— 
‘‘(1) IN GENERAL.—The Secretary is authorized 
to approve the use of grants under this section to be 
used interchangeably and without limitation for the 
same activities in the most impacted and distressed 
areas resulting from a declaration of another cata-
strophic major disaster that qualifies for assistance 
under the formula established under paragraph (4) 
or (5) of subsection (a) or a major disaster for 
which the Secretary allocated funds made available 
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under the heading ‘Community Development Fund’ 
in any Act prior to the establishment of the Fund. 
‘‘(2) REQUIREMENTS.—The Secretary shall es-
tablish requirements to expedite the use of grants 
under this section for the purpose described in para-
graph (1). 
‘‘(3) 
EMERGENCY
DESIGNATION.—Amounts 
repurposed pursuant to this subsection that were 
previously designated by Congress as an emergency 
requirement pursuant to the Balanced Budget and 
Emergency Deficit Control Act of 1985 or a concur-
rent resolution on the budget are designated by the 
Congress as being for an emergency requirement 
pursuant to section 4001(a)(1) of S. Con. Res. 14 
(117th Congress), the concurrent resolution on the 
budget for fiscal year 2022, and to legislation estab-
lishing fiscal year 2026 budget enforcement in the 
House of Representatives. 
‘‘(c) GRANTEE PLANS.— 
‘‘(1) REQUIREMENT.—Not later than 90 days 
after the date on which the Secretary announces a 
grant allocation under this section, unless an exten-
sion is granted by the Secretary, the grantee shall 
submit to the Secretary a plan for approval describ-
ing— 
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‘‘(A) the activities the grantee will carry 
out with the grant under this section; 
‘‘(B) the criteria of the grantee for award-
ing assistance and selecting activities; 
‘‘(C) how the use of the grant under this 
section will address disaster relief, long-term re-
covery, restoration of housing and infrastruc-
ture, economic revitalization, and mitigation in 
the most impacted and distressed areas; 
‘‘(D) how the use of the grant funds for 
mitigation is consistent with hazard mitigation 
plans submitted to the Federal Emergency 
Management Agency under section 322 of the 
Robert T. Stafford Disaster Relief and Emer-
gency Assistance Act (42 U.S.C. 5165); 
‘‘(E) the estimated amount proposed to be 
used for activities that will benefit persons of 
low and moderate income; 
‘‘(F) how the use of grant funds will repair 
and replace existing housing stock for vulner-
able populations, including low- to moderate-in-
come households; 
‘‘(G) how the grantee will address the pri-
orities described in paragraph (5); 
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‘‘(H) how uses of funds are proportional to 
unmet needs, as required under paragraph (6); 
‘‘(I) for State grantees that plan to dis-
tribute grant amounts to units of general local 
government, a description of the method of dis-
tribution; and 
‘‘(J) such other information as may be de-
termined by the Secretary in regulation. 
‘‘(2) PUBLIC CONSULTATION.—To permit pub-
lic examination and appraisal of the plan described 
in paragraph (1), to enhance the public account-
ability of grantee, and to facilitate coordination of 
activities with different levels of government, when 
developing the plan or substantial amendments pro-
posed to the plan required under paragraph (1), a 
grantee shall— 
‘‘(A) publish the plan before adoption; 
‘‘(B) provide citizens, affected units of 
general local government, and other interested 
parties with reasonable notice of, and oppor-
tunity to comment on, the plan, with a public 
comment period of not less than 14 days; 
‘‘(C) consider comments received before 
submission to the Secretary; 
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‘‘(D) follow a citizen participation plan for 
disaster assistance adopted by the grantee that, 
at a minimum, provides for participation of 
residents of the most impacted and distressed 
area affected by the major disaster that re-
sulted in the grant under this section and other 
considerations established by the Secretary; and 
‘‘(E) undertake any consultation with in-
terested parties as may be determined by the 
Secretary in regulation. 
‘‘(3) APPROVAL.—The Secretary shall— 
‘‘(A) by regulation, specify criteria for the 
approval, partial approval, or disapproval of a 
plan submitted under paragraph (1), including 
approval of substantial amendments to the 
plan; 
‘‘(B) review a plan submitted under para-
graph (1) upon receipt of the plan; 
‘‘(C) allow a grantee to revise and resub-
mit a plan or substantial amendment to a plan 
under paragraph (1) that the Secretary dis-
approves; 
‘‘(D) by regulation, specify criteria for 
when the grantee shall be required to provide 
the required revisions to a disapproved plan or 
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substantial amendment under paragraph (1) for 
public comment prior to resubmission of the 
plan or substantial amendment to the Sec-
retary; and 
‘‘(E) approve, partially approve, or dis-
approve a plan or substantial amendment under 
paragraph (1) not later than 60 days after the 
date on which the plan or substantial amend-
ment is received by the Secretary. 
‘‘(4) LOW- AND
MODERATE-INCOME
OVERALL 
BENEFIT.— 
‘‘(A) USE OF FUNDS.—Not less than 70 
percent of a grant made under this section shall 
be used for activities that benefit persons of low 
and moderate income unless the Secretary— 
‘‘(i) specifically finds that— 
‘‘(I) there is compelling need to 
reduce the percentage for the grant; 
and 
‘‘(II) the housing needs of low- 
and moderate-income persons have 
been addressed; and 
‘‘(ii) issues a waiver and alternative 
requirement specific to the grant pursuant 
to subsection (i) to lower the percentage. 
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173 
‘‘(B) REGULATIONS.—The Secretary shall, 
by regulation, establish protocols that reflect 
the required use of funds under subparagraph 
(A), including persons with extremely and very 
low incomes. 
‘‘(5) 
PRIORITIZATION.—The 
grantee 
shall 
prioritize activities that— 
‘‘(A) assist persons with extremely low-, 
low-, and moderate-incomes and other vulner-
able populations to better recover from and 
withstand future disasters; 
‘‘(B) address housing needs arising from a 
disaster, or those needs present prior to a dis-
aster, including the needs of both renters and 
homeowners; 
‘‘(C) prolong the life of housing and infra-
structure; 
‘‘(D) use cost-effective means of preventing 
harm to people and property and incorporate 
protective features and redundancies; and 
‘‘(E) other measures that will assure the 
continuation of critical services during future 
disasters. 
‘‘(6) PROPORTIONAL
ALLOCATION.—For each 
specific disaster, a grantee under this section shall 
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allocate grant funds proportional to unmet needs be-
tween housing activities for renters and homeowners, 
economic revitalization, and infrastructure unless the 
Secretary specifically finds that— 
‘‘(A) there is a compelling need for a dis-
proportional allocation among those unmet 
needs; and 
‘‘(B) the disproportional allocation de-
scribed in subparagraph (A) is not inconsistent 
with the requirements under paragraph (4). 
‘‘(7) DISASTER RISK MITIGATION.— 
‘‘(A) DEFINITION.—In this paragraph, the 
term ‘hazard-prone areas’— 
‘‘(i) means areas identified by the 
Secretary, in consultation with the Admin-
istrator of the Federal Emergency Man-
agement Agency, at risk from natural haz-
ards that threaten property damage or 
health, safety, and welfare, such as floods, 
wildfires (including Wildland-Urban Inter-
face areas), earthquakes, lava inundation, 
tornados, and high winds; and 
‘‘(ii) includes areas having special 
flood hazards as identified under the Flood 
Disaster Protection Act of 1973 (42 
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