I 
119TH CONGRESS 
1ST SESSION H. R. 6270 
To conduct a review of Federal Housing Administration construction financing 
programs, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
NOVEMBER 21, 2025 
Mrs. MCCLAIN (for herself and Mr. LYNCH) introduced the following bill; 
which was referred to the Committee on Financial Services 
A BILL 
To conduct a review of Federal Housing Administration 
construction financing programs, and for other purposes. 
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 ‘‘Modular Housing Pro-
duction Act’’. 
SEC. 2. DEFINITIONS. 
In this Act: 
(1) MANUFACTURED HOME.—The term ‘‘manu-
factured home’’ has the meaning given the term in 
section 603 of the National Manufactured Housing 
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Construction and Safety Standards Act of 1974 (42 
U.S.C. 5402). 
(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. 
SEC. 3. FHA CONSTRUCTION FINANCING PROGRAMS. 
(a) IN GENERAL.—The Secretary shall conduct a re-
view of Federal Housing Administration construction fi-
nancing programs to identify barriers to the use of mod-
ular home methods. 
(b) REQUIREMENTS.—In conducting the review 
under subsection (a), the Secretary shall— 
(1) identify and evaluate regulatory and pro-
grammatic features that restrict participation in 
construction financing programs by modular home 
developers, including construction draw schedules; 
and 
(2) identify administrative measures authorized 
under section 525 of the National Housing Act (12 
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U.S.C. 1735f–3) to facilitate program utilization by 
modular home developers. 
(c) REPORT.—Not later than 1 year after the date 
of enactment of this Act, the Secretary shall publish a re-
port that describes the results of the review conducted 
under subsection (a), which shall include a description of 
programmatic and policy changes that the Secretary rec-
ommends to reduce or eliminate identified barriers to the 
use of modular home methods in Federal Housing Admin-
istration construction financing programs. 
(d) RULEMAKING.— 
(1) IN
GENERAL.—Not later than 120 days 
after the date on which the Secretary publishes the 
report under subsection (c), the Secretary shall ini-
tiate a rulemaking to examine an alternative draw 
schedule for construction financing loans provided to 
modular and manufactured home developers, which 
shall include the ability for interested stakeholders 
to provide robust public comment. 
(2) DETERMINATION.—Following the period for 
public comment under paragraph (1), the Secretary 
shall— 
(A) issue a final rule regarding an alter-
native draw schedule described in paragraph 
(1); or 
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(B) provide an explanation as to why the 
rule shall not become final. 
SEC. 4. STANDARDIZED UNIFORM COMMERCIAL CODE FOR 
MODULAR HOMES. 
(a) AWARD.—The Secretary may award a grant to 
study the design and feasibility of a standardized uniform 
commercial code for modular homes, which shall evalu-
ate— 
(1) the utility of a standardized coding system 
for serializing and securing modules, streamlining 
design and construction, and improving modular 
home innovation; and 
(2) a means to coordinate a standardized code 
with financing incentives. 
(b) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated such funds as may be nec-
essary to carry out subsection (a). 
Æ 
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