H.R. 6644

119th Congress

Enacted

21st Century ROAD to Housing Act

Sponsored byRepublican:Rep. Hill, J. French [R-AR-2]AR· Introduced 11 December 2025
Open on Congress.gov

31

Cosponsors

69

Actions

104

Amendments

2

Committees

—

Since introduced

Introduced
Committee
Passed Chamber
Passed Both
Enacted
Step 4 of 0
Latest action

Became Public Law No: 119-101.

11 July 2026·1 week ago

Summary

Reported to House · Updated 9 February 2026

Housing for the 21st Century Act

This bill revises federal housing programs, including by expanding available financing for affordable housing and providing grants for planning and community development activities.

For example, the bill increases the statutory maximum loan limits for mortgage insurance programs administered by the Federal Housing Administration for multifamily homes and requires the use of a more specific inflation index for such loans.

The bill also increases the maximum eligible income for the Department of Housing and Urban Development's (HUD's) HOME Investment Partnerships Program (grants to states and localities to support housing for low-income households) and establishes a grant program to assist regional, state, and local entities with strategies to support affordable housing.

In addition, the bill

  • exempts certain housing-related activities from the environmental review process, including certain construction, improvement, or rehabilitation of residential buildings;
  • excludes veterans' disability benefits from being considered as income for purposes of determining eligibility for the Veterans Affairs Supportive Housing (VASH) program;
  • establishes a pilot program to provide grants to public housing agencies (PHAs) and other owners of federally assisted housing to test the efficacy of temperature sensors to support compliance with temperature requirements;
  • eliminates the requirement that manufactured homes must be constructed with a permanent chassis; and
  • authorizes HUD to conduct performance reviews of organizations that provide housing counseling services.

The bill also expands oversight of HUD and PHAs, such as by requiring PHAs to post information about contracts on their websites.

For more information about this bill, see CRS Report R48849. 

Timeline

69 actions

  1. Sent to Archivist of the United States unsigned.

    11 July 2026 · President

  2. Sent to Archivist of the United States unsigned.

    11 July 2026 · President

  3. Became Public Law No: 119-101.

    11 July 2026 · BecameLaw

  4. Presented to President.

    29 June 2026 · President

  5. Presented to President.

    29 June 2026 · Floor

  6. Presented to President.

    29 June 2026 · President

  7. Presented to President.

    29 June 2026 · Floor

  8. Presented to President.

    29 June 2026 · President

  9. DEBATE - The House proceeded with forty minutes of debate on the motion to suspend the rules and agree to the Senate amendment to the House amendment to the Senate amendment.

    23 June 2026 · Floor

  10. At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.

    23 June 2026 · ResolvingDifferences

  11. Resolving differences -- House actions: On motion that the House suspend the rules and agree to the Senate amendment to the House amendment to the Senate amendment Agreed to by the Yeas and Nays: (2/3 required): 358 - 32 (Roll no. 224).

    23 June 2026 · NotUsed

  12. Mr. Hill (AR) moved that the House suspend the rules and agree to the Senate amendment to the House amendment to the Senate amendment. (consideration: CR H4151-4193)

    23 June 2026 · ResolvingDifferences

  13. On motion that the House suspend the rules and agree to the Senate amendment to the House amendment to the Senate amendment Agreed to by the Yeas and Nays: (2/3 required): 358 - 32 (Roll no. 224).

    23 June 2026 · ResolvingDifferences

  14. Mr. Hill (AR) moved that the House suspend the rules and agree to the Senate amendment to the House amendment to the Senate amendment.

    23 June 2026 · ResolvingDifferences

  15. Mr. Hill (AR) moved that the House suspend the rules and agree to the Senate amendment to the House amendment to the Senate amendment. (consideration: CR H4151-4193)

    23 June 2026 · ResolvingDifferences

  16. Message on Senate action sent to the House.

    23 June 2026 · Floor

  17. Message on Senate action sent to the House.

    23 June 2026 · Floor

  18. Message on Senate action sent to the House.

    23 June 2026 · Floor

  19. Message on Senate action sent to the House.

    23 June 2026 · Floor

  20. Motion to reconsider laid on the table Agreed to without objection.

    23 June 2026 · Floor

49 earlier actionsView all on Congress.gov

Sponsorship

31 cosponsors

Sponsor

Republican:Rep. Hill, J. French [R-AR-2]AR

Cosponsors

  • Democrat1652%
  • Republican1548%

Classification

Policy area

Housing and Community Development

Legislative subjects

Administrative law and regulatory proceduresAdvisory bodiesCongressional oversightData collection, sharing, protectionDepartment of Housing and Urban DevelopmentDisability assistanceEnvironmental assessment, monitoring, researchGovernment information and archivesGovernment studies and investigationsHousing and community development fundingHousing finance and home ownershipHousing industry and standards

Committees

2

  • Financial Services Committee

    House · Standing

    • Referred To11 Dec 2025
    • Markup By16 Dec 2025
    • Markup By17 Dec 2025
    • Reported By15 Jan 2026

  • Veterans' Affairs Committee

    House · Standing

    • Referred To11 Dec 2025
    • Discharged From15 Jan 2026

Reports

Cosponsor momentum

Cumulative over time

Cosponsors grew from 3 on 11 December 2025 to 31 on 15 January 2026.

Market relevance

AI-inferred

Impact via Regulation

Sectors

↑ Finance↑ Real Estate↑ Industrials↑ Cryptocurrency

Tickers

↑ RKT↑ UWMC↑ PFSI↑ FNF↑ FAF↑ DHI↑ LEN↑ PHM↑ CVCO↑ SKY↑ COIN↓ JPM↓ BAC↓ WFC↓ C↓ INVH↓ AMH

This bill introduces significant regulatory changes aimed at increasing housing supply and affordability, streamlining financial processes, and altering market dynamics for financial institutions and real estate investors. Key provisions include expanding FHA mortgage access and limits, reducing environmental review burdens for housing projects, modernizing manufactured housing regulations, and easing regulatory compliance for community banks. Conversely, it imposes restrictions on large institutional investors purchasing single-family homes and makes it harder for large banks to acquire failing institutions. The prohibition on a Federal Reserve-issued Central Bank Digital Currency (CBDC) also impacts the cryptocurrency and traditional finance sectors by removing a potential competitor.

Amendments

104

  • SAMDT 5824Withdrawn

    To improve the bill.

    22 June 2026

  • SAMDT 5823Agreed

    In the nature of a substitute.

    22 June 2026

  • SAMDT 5827Unknown

    To improve the bill.

    18 June 2026

  • SAMDT 5826Unknown

    To improve the bill.

    18 June 2026

  • SAMDT 5825Unknown

    To improve the bill.

    18 June 2026

  • SAMDT 5831Proposed

    18 June 2026

  • SAMDT 5830Proposed

    18 June 2026

  • SAMDT 5839Proposed

    18 June 2026

  • SAMDT 5838Proposed

    18 June 2026

  • SAMDT 4308Agreed

    In the nature of a substitute.

    11 March 2026

  • SAMDT 4311Agreed

    To improve the bill.

    11 March 2026

  • SAMDT 4310Agreed

    To improve the bill.

    11 March 2026

  • SAMDT 4312Unknown

    To improve the bill.

    11 March 2026

  • SAMDT 4307Agreed

    To require the Comptroller General of the United States to submit to Congress studies on workforce housing, housing for persons who are elderly or disabled, proximity of housing to Superfund sites, and residential heirs property.

    11 March 2026

  • SAMDT 4315Unknown

    To improve the bill.

    10 March 2026

  • SAMDT 4397Proposed

    11 March 2026

  • SAMDT 4398Proposed

    11 March 2026

  • SAMDT 4314Unknown

    To improve the bill.

    10 March 2026

  • SAMDT 4313Unknown

    To improve the bill.

    10 March 2026

  • SAMDT 4394Proposed

    10 March 2026

  • SAMDT 4390Proposed

    10 March 2026

  • SAMDT 4388Proposed

    10 March 2026

  • SAMDT 4389Proposed

    10 March 2026

  • SAMDT 4391Proposed

    10 March 2026

  • SAMDT 4395Proposed

    10 March 2026

79 more amendmentsView all on Congress.gov
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