[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[S. 2651 Reported in Senate (RS)]
<DOC>
Calendar No. 143
119th CONGRESS
1st Session
S. 2651
To increase the supply of affordable housing in America.
_______________________________________________________________________
IN THE SENATE OF THE UNITED STATES
August 1, 2025
Mr. Scott of South Carolina, from the Committee on Banking, Housing,
and Urban Affairs, reported the following original bill; which was read
twice and placed on the calendar
_______________________________________________________________________
A BILL
To increase the supply of affordable housing in America.
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,

cfc4f3c34c29fc60abe187ab47cd0cf055edd6b02ddc8d39690746761871eb38

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''.

e221bf1c14a68a4f53337cdbb2497a25e2b119b727803616dcb0d9d9c0a418a6

The table of contents for this Act is as follows:

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0a6ff1bb188b05e95a26ae2c03e65914c4e861a77eeb2aa1dedecbb35dfc8739

TITLE I

-IMPROVING FINANCIAL LITERACY

6ae88f884841fe4d7eba6d5eb92d661b615a441d538b1b2ce678016f316da318

TITLE II

-BUILDING MORE IN AMERICA

843867b0670e1f474406d6a92c508ada95ce009ecd9994379bc06a43964554af

34e2c7ab4e082fa55ca033522af78083f90bb698530f281461fb4e3bc3698572

e92e627f019878723c435dd622c0cc0288c8aaf011711515c1caa6176362c5f1

TITLE III

-MANUFACTURED HOUSING FOR AMERICA

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TITLE V

-PROGRAM REFORM

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TITLE VII

-OVERSIGHT AND ACCOUNTABILITY

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TITLE VIII

-COORDINATION, STUDIES, AND REPORTING

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 ``adequate
distribution'' and all that follows through ``foreclosure
rates'' and inserting ``that the recipients are geographically
diverse and include organizations that serve urban or rural
areas'';
(2) in subsection (e), by adding at the end the following:
``(6) Performance review.--The Secretary--
``(A) may conduct periodic on-site reviews; and
``(B) shall conduct performance reviews of all
participating agencies that--
``(i) consists of a review of the
participating agency's compliance with all
program requirements; and
``(ii) may take into account the agency's
aggregate counselor performance under paragraph
(7)(B).
``(7) Considerations.--
``(A) Covered mortgage loan defined.--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 condominiums and cooperatives) designed principally
for the occupancy of between 1 and 4 families that is--
``(i) insured by the Federal Housing
Administration under title II of the National
Housing Act (12 U.S.C. 1707 et seq.); or
``(ii) guaranteed under section 184 or 184A
of the Housing and Community Development Act of
1992 (12 U.S.C. 1715z-13a, 1715z-13b).
``(B) Comparison.--For each counselor employed by
an organization receiving assistance under this section
for pre-purchase housing counseling, the Secretary may
consider the performance of the counselor compared to
the default rate of all counseled borrowers of a
covered mortgage loan in comparable markets and such
other factors as the Secretary determines appropriate
to further the purposes of this section.
``(8) Certification.--If, based on the comparison required
under paragraph (7)(B), the Secretary determines that a
counselor lacks competence to provide counseling in the areas
described in subsection (e)(2) and such action will not create
a significant loss of capacity for housing counseling services
in the service area, the Secretary may--
``(A) require continued education coupled with
successful completion of a probationary period;
``(B) require retesting if the counselor continues
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
opportunities under subparagraph (B).'';
(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 organization 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 assistance not
less than 60 days prior written notice of any denial of
renewal under this paragraph, and the determination of
renewal shall not be finalized until the end of that
notice period.
``(C) Informal conference.--If requested in writing
by the organization or entity within the notice period
described in subparagraph (B), the organization or
entity shall be entitled to an informal conference with
the Deputy Assistant Secretary of Housing Counseling on
behalf of the Secretary at which the organization or
entity may present for consideration of specific
factors that the organization or entity believes were
beyond the control of the organization or entity and
that caused the failure to comply with program
requirements, such as a lack of lender or servicer
coordination or communication with housing counseling
agencies and individual counselors.''; and
(4) by adding at the end the following:
``(j) Offering Foreclosure Mitigation Counseling.--
``(1) Covered mortgage loan defined.--In this subsection,
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 condominiums) or stock
or membership in a cooperative ownership housing corporation
designed principally for the occupancy of between 1 and 4
families that is--
``(A) insured by the Federal Housing Administration
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 Development Act of 1992 (12
U.S.C. 1715z-13a, 1715z-13b);
``(C) made, guaranteed, or insured by the
Department of Veterans Affairs; or
``(D) made, guaranteed, or insured by the
Department of Agriculture.
``(2) Opportunity for borrowers.--A borrower 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 borrowers described in paragraph (2) with respect to
a covered mortgage loan described in paragraph (1)(A) shall be
paid for by the Mutual Mortgage Insurance Fund, as authorized
under section 203(r)(4) of the National Housing Act (12 U.S.C.
1709(r)(4)).''.

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The language under the heading ``Rental Assistance 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
another program, under this demonstration:''
(4) by striking the twenty-second proviso, as so designated
before the date of enactment of this Act;
(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 housing, the amount
of private sector leveraging resulting from such conversion
transactions, the prevalence of pre-conversion residents
remaining in or returning 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 developed by the Secretary, and other
matters the Secretary 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 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
enumerated in current law and regulations: Provided further,
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 Program 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 Demonstration Program.''.

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(a) Covered Grant Defined.--In this section, the term ``covered
grant'' means any competitive grant relating 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 primarily serve, a community that has been
designated as a qualified opportunity zone under section 1400Z-1 of the
Internal Revenue Code of 1986.

7187fabc8f4b2c85010401c7641f3283b5b00e60940836f07f8079f01a01f8ca

(a) Findings.--Congress finds the following:
(1) The United States is facing a housing supply shortage.
This housing supply shortage has resulted in a record number of
cost-burdened households across regions and spanning the large
and small cities, towns, and coastal and rural communities of
the United States.
(2) Several factors contribute to the undersupply of
housing in the United States, particularly workforce housing,
including rising costs of construction, a shortage of labor,
supply chain disruptions, 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 responsibility of
State and local governments, there is Federal support for
necessary reforms, and there is an opportunity for the Federal
Government to provide support and assistance to State and local
governments 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 substantial, legitimate,
nondiscriminatory and that outweigh the regional need for
housing are contrary to the regional and national interest.
(b) Definitions.--In this section:
(1) Affordable housing.--The term ``affordable 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 ``Assistant Secretary''
means the Assistant Secretary for Policy Development and
Research of the Department of Housing and Urban Development.
(3) Local zoning framework.--The term ``local zoning
framework'' means the local zoning codes and other ordinances,
procedures, and policies governing zoning and land-use at the
local level.
(4) Secretary.--The term ``Secretary'' means the Secretary
of Housing and Urban Development.
(5) State zoning framework.--The term ``State zoning
framework'' means the State legislation or State agency and
department procedures, or such legislation or procedures in an
insular area of the United States, enabling local planning and
zoning 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 Assistant Secretary shall publish
documents outlining guidelines and best practices to support
production of adequate housing to meet the needs of communities
and provide housing opportunities for individuals at every
income level across communities with respect to--
(A) State zoning frameworks; and
(B) local zoning frameworks.
(2) Consultation; public comment.--During the 2-year period
beginning on the date of enactment of this Act, in developing
the guidelines and best practices required under paragraph (1),
the Assistant Secretary shall--
(A) publish draft guidelines 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 members of which shall
include--
(i) planners and architects;
(ii) housing developers, including
affordable and market-rate housing developers,
manufactured housing developers, and other
business interests;
(iii) community engagement experts and
community members impacted by zoning decisions;
(iv) public housing authorities and transit
authorities;
(v) members of local zoning and planning
boards and local and regional transportation
planning organizations;
(vi) State officials responsible for
housing or land use, including members of State
zoning boards of appeals;
(vii) academic researchers; and
(viii) home builders.
(3) Contents.--The guidelines and best practices required
under paragraph (1) shall--
(A) with respect to State zoning frameworks,
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 minimum lot sizes and set-
back requirements;
(iii) the elimination of restrictions
against accessory dwelling units;
(iv) increasing by-right uses, including
duplex, triplex, or quadplex buildings, across
cities or metropolitan areas;
(v) mechanisms, including proximity to
transit, to determine the appropriate scope for
rezoning and ensure development that does not
disproportionately burden residents of
economically distressed areas;
(vi) provisions regarding review of by-
right development proposals to streamline
review and reduce uncertainty, including--
(I) nondiscretionary, ministerial
review; and
(II) entitlement and design review
processes;
(vii) the reduction of obstacles,
regulatory 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 mechanisms
to encourage adoption;
(ix) provisions to encourage transit-
oriented development, including increased
permissible units per structure and reduced
minimum lot sizes near existing or planned
public transit stations;
(x) potential reforms to strengthen the
public engagement process;
(xi) reforms to protest petition statutes;
(xii) the standardization, reduction, or
elimination of impact fees;
(xiii) cost effective and appropriate
building codes;
(xiv) models for community benefit
agreements;
(xv) mechanisms to preserve affordability,
limit disruption of low-income communities, and
prevent displacement of existing residents;
(xvi) with respect to State zoning
frameworks--
(I) State model codes for directing
local reforms, including mechanisms to
encourage adoption;
(II) a model for a State zoning
appeals process, which would--
(aa) create a process for
developers or builders
requesting a variance,
conditional use, special
permit, zoning district change,
similar discretionary permit,
or otherwise petitioning a
local zoning or planning board
for a project including a
State-defined amount of
affordable housing to appeal a
rejection to a State body or
regional body empowered by the
State; and
(bb) establish
qualifications for communities
to be exempted from the appeals
process based on their
available stock of affordable
housing; and
(III) streamlining of State
environmental review policies;
(xvii) with respect to local zoning
frameworks--
(I) the simplification and
standardization of existing zoning
codes;
(II) maximum review timelines;
(III) best practices for the
disposition of land owned by local
governments for affordable housing
development;
(IV) differentiations between best
practices for rural, suburban, and
urban communities, and communities with
different levels of density or
population distribution; and
(V) streamlining of local
environmental review policies; and
(xviii) other land use measures that
promote access to new housing opportunities
identified by the Secretary; and
(C) consider--
(i) the effects of adopting any
recommendation on eligibility for Federal
discretionary grants and tax credits for the
purpose of housing or community development;
(ii) coordination between infrastructure
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
attainable to extremely low-, low-, and
moderate-income residents;
(v) a range of affordability for
homeownership;
(vi) accountability measures;
(vii) the long-term cost to residents and
businesses if more housing is not constructed;
(viii) barriers to individuals seeking to
access affordable housing in growing
communities 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 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 publishes 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 recommendations
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 updates
localities have made to their local zoning framework;
(F) of the States that have adopted a State zoning
framework or recommendations from the guidelines and
best practices, the effect of such adoptions; and
(G) a summary of recommendations that were
routinely not adopted by States or by localities.
(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
regarding the information described in
subparagraphs (A) through (G) of that
paragraph;
(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 at
significantly lower rates by States and
localities; and
(iv) includes other relevant information
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 assessment 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
(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 successfully
implemented zoning or other policy reforms to increase housing
production and supply; and
(5) opportunities for increasing coordination between the
Department of Housing and Urban Development, 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 section may be construed
to permit the Department of Housing and Urban Development to take an
adverse action against or fail to provide otherwise offered actions or
services for any State or locality if the State or locality declines to
adopt a guideline or best practice under subsection (c).

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cdff826378bbf5b81c7524fa5296a9d9991e1b16b645e4703704912aba3553e8

(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 appears 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 appears and inserting ``20''.

7a85f1a5958b666e17c95ab839b470931e0042d3180d72da80f7e349b18d357c

(a) Definitions.--In this section:
(1) Covered recipient.--The term ``covered recipient''
means 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 receives funds under section
106.
(2) Current annual growth rate.--The term ``current annual
growth rate'', with respect to an eligible 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 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 jurisdictions of all covered
recipients; and
(ii) the median home value in the jurisdiction of
the covered recipient is below the median 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 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 covered recipient has been the
subject of a major disaster or emergency declaration
under section 401 or 501, respectively, of the Robert
T. Stafford 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 permitting 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 eligible
recipient.
(6) Prior annual growth rate.--The term ``prior annual
growth rate'', with respect to an eligible 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.--
(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 housing
growth improvement rate for an eligible
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 recipient is an
extremely high-growth recipient, the Secretary
shall allocate to the eligible recipient for
that fiscal year, in addition to the amount
that would otherwise be allocated to the
eligible recipient under section 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 eligible recipient
for a fiscal year shall be equal to the product
of--
(I) the aggregate amount by which
allocations to eligible recipients 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 recipient, as
calculated by the Secretary;
and
(bb) the number of housing
units, as of the third quarter
of the preceding fiscal year,
in the jurisdictions of all
eligible recipients that
receive a bonus amount under
this paragraph, as calculated
by the Secretary.
(B) Housing growth improvement rate below median.--
If, with respect to a fiscal year for which the
allocation under section 106 is being determined, the
housing growth improvement rate for an eligible
recipient is below the median housing growth
improvement rate for all eligible recipients other than
high-growth outliers, the Secretary shall decrease the
amount that would otherwise be allocated to the
eligible recipient under section 106 for that fiscal
year by 10 percent.
(c) Calculation of Housing Units.--
(1) Housing and urban development requirements.--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 Master Address File; and
(B) make calculations at the block level, using
boundaries that reflect the most current boundaries.
(2) Census bureau and postal service requirements.--The
Bureau of the Census and the United States Postal Service shall
provide any relevant 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 (b)(2)(A)(ii)(II)
by not more than 2 months to achieve alignment with the data
provided by the Bureau of the Census.
(d) Annual Report on Housing Growth Improvement Rate.--Before
allocating funds under section 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
allocation 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 Secretary 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 recipients other than extremely high-growth
recipients.
(B) Guidance.--As part of the notification under
subparagraph (A), the Secretary shall share guidance,
including resources developed by the Department of
Housing and Urban Development, on best practices and
recommendations on policies to reduce regulatory
barriers to housing and increase housing supply.
(2) Implementation dates.--Subsection (b) shall take effect
beginning with the second full fiscal year after the date of
enactment of this Act and remain in effect through fiscal year
2042.

478dfe1751ec8bf18c6b4716b3ab2fca745b32fa0938d82c22ba9efacb27316a

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 PROCEDURE.
``(a) In General.--Except as provided in subsection (b), the
Secretary may, for purposes of environmental review, decision making,
and action pursuant to the National Environmental Policy Act of 1969
(42 U.S.C. 4321 et seq.), and other provisions of law that further the
purposes of such Act, designate the treatment of assistance
administered by the Secretary as funds for a special project for
purposes of section 305(c) of the Multifamily Housing Property
Disposition Reform Act of 1994 (42 U.S.C. 3547).
``(b) Exception.--The designation described in subsection (a) shall
not apply to assistance for which a procedure 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 further the purposes of such Act, is otherwise specified in
law.''.
(b) Tribal Assumption of Environmental Review 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 government'';
(2) in paragraph (1)(C), in the heading, by striking
``State or unit of general local government'' and inserting
``State, indian tribe, or unit of general local government'';
and
(3) by adding at the end the following:
``(5) Definition of indian tribe.--For purposes of this
subsection, the term `Indian tribe' means a federally
recognized tribe, as defined in section 4(13)(B) of the Native
American Housing Assistance and Self-Determination Act of 1996
(25 U.S.C. 4103(13)(B)).''.

06cf3942819cc7a0d7bd9eb9ab0bc3389e29eb1edd37b7eb9079f0ce37036d6f

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 utilities and
public services as required under applicable law;
(C) is located on a site of previously disturbed
land of not more than 5 acres and substantially
surrounded by residential or commercial development;
(D) will repurpose a vacant or underutilized parcel
of land, or a dilapidated or abandoned 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-related Activities.--
(1) In general.--The Secretary shall, in accordance with
section 553 of title 5, United States Code, and section 103 of
the National Environmental 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 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
maintenance, security, operation, utilities,
furnishings, equipment, supplies, staff
training, and recruitment and other incidental
costs.
(iv) Economic development activities,
including equipment purchases, inventory
financing, interest subsidies, operating
expenses, and similar costs not associated with
construction or expansion of existing
operations.
(v) Activities to assist homebuyers to
purchase existing dwelling units or dwelling
units under construction, including closing
costs and down payment assistance, interest
rate buydowns, and similar activities that
result in the transfer of title.
(vi) Affordable housing pre-development
costs related to obtaining site options,
project financing, administrative costs and
fees for loan commitment, zoning approvals, and
other related activities that do not have a
physical impact.
(vii) Approval of supplemental assistance,
including insurance or guarantee, to a project
previously approved by the Secretary.
(viii) Emergency homeowner or renter
assistance for HVAC, hot water heaters, and
other necessary uses of existing utilities
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 subject 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 environmental conditions and do not materially
exceed the original scope of the project:
(i) Acquisition, repair, improvement,
reconstruction, or rehabilitation of public
facilities and improvements (other than
buildings) if the facilities and improvements
are in place and will be retained in the same
use without change in size or capacity of more
than 20 percent, including replacement of water
or sewer lines, reconstruction of curbs and
sidewalks, and repaving of streets.
(ii) Rehabilitation of 1-to-4 unit
residential buildings, and existing housing-
related infrastructure, such as repairs or
rehabilitation of existing 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 existing
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.
(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 sections 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
environmental conditions and do not materially exceed
the original scope of the project:
(i) Acquisitions of open space or
residential property, where such property will
be retained for the same use or will be
converted to open space to help residents
relocate out of an area designated as a high-
risk area by the Secretary.
(ii) Conversion of existing office
buildings into residential development, subject
to--
(I) a maximum number of units to be
determined by the Secretary; and
(II) a limitation on the change in
building size of not more than 20
percent.
(iii) New construction, development,
demolition, acquisition, or disposition on 5 to
15 dwelling units where there is a maximum of
fifteen units on any 1 site. The units can be
15 1-unit buildings or 1 15-unit building, or
any combination in between.
(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
improvements in the case of a building for
residential use with 5 to 15 units, if the
density is not increased beyond 15 units and
the land use is not changed.
(vi) Infill projects consisting of new
construction, rehabilitation, or development of
residential housing units.
(vii) The voluntary acquisition of
properties--
(I) located in a--
(aa) floodway;
(bb) floodplain; or
(cc) other area, clearly
delineated 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 administrative cost reduction, with a
particular focus on the affordable 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.

9e62a5d205c24ad4eee0ae801cd0ec8f5c4eae0d18cd6d4c56bebf1606f4cfba

(a) Definitions.--In this section:
(1) Attainable housing.--The term ``attainable housing''
means housing that--
(A) serves--
(i) a majority of households with income
not greater than 80 percent of area median
income; and
(ii) households with income not greater
than 100 percent of area median income; or
(B) serves--
(i) a majority of households with income
not greater than 60 percent of area median
income; and
(ii) households with income not greater
than 120 percent of area median income.
(2) Eligible entity.--The term ``eligible entity'' 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 methodology for determining such growth is
published in the Federal Register to allow for public
comment not less than 90 days before date on which the
notice of funding opportunity is made available; or
(B) a unit of general local government or Indian
tribe, 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 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 notice 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 Secretary shall establish a program
to award grants on a competitive basis to eligible entities
that have increased their local housing supply.
(2) List of eligible entities.--The Secretary shall make a
list of eligible entities publicly available on the website of
the Department of Housing and Urban Development.
(3) Eligible purposes.--An eligible entity receiving a
grant under this section may use funds to--
(A) carry out any of the activities described in
section 105 of the Housing and Community Development
Act of 1974 (42 U.S.C. 5305);
(B) carry out any of the activities permitted 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 program, unless otherwise determined by the
Secretary; and
(D) carry out initiatives of the eligible entity
that facilitate the expansion of the supply of
attainable housing and that supplement initiatives 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 seeking 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 increased
housing supply during the 3-year period ending
on the date on which the application 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
jurisdiction of the eligible entity;
(iii) a description of how each eligible
purpose described in clause (i) may address a
community need or advance an objective, or an
aspect of an objective, included in the
comprehensive housing affordability strategy
and community 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''); 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) include--
(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
requirements, floor area ratio requirements,
set-back requirements, building heights, and
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 requirements
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 public
financing to promote development of attainable
housing;
(ix) streamlining environmental
regulations;
(x) eliminating unnecessary manufactured-
housing regulations and restrictions;
(xi) minimizing the impact of
overburdensome energy and water efficiency
standards on housing costs; and
(xii) other activities that reduce cost of
construction, as determined by the Secretary.
(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
different geographical areas and a relatively even
spread of rural, suburban, and urban communities.
(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
increasing housing supply, including adoption
of any of the frameworks developed under
section 203; and
(ii) demonstrated a marked improvement in
housing supply growth.
(c) Rules of Construction.--Nothing in this section shall be
construed--
(1) to authorize the Secretary to mandate, supersede, or
preempt any local zoning or land use policy; or
(2) to affect the requirements of section 105(c)(1) of the
Cranston-Gonzalez National Affordable 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 adjusted for inflation based on
the Consumer Price Index.

2ed3144ae2751b6b3805ac7792ad71d4c6658d8348117f1163db27db55caf409

(a) Definitions.--In this section:
(1) Affordable housing.--The term ``affordable housing''
means housing for which the total 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 entity'' means--
(A) a unit of general local government, as defined
in section 102(a) of the Housing and Community
Development Act of 1974 (42 U.S.C. 5302(a));
(B) a municipal membership organization; and
(C) an Indian tribe, as defined in section 102(a)
of the Housing and Community Development 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 replacement by new or refurbished housing
that utilizes existing utilities and infrastructure.
(6) Mixed-income housing.--The term ``mixed-income
housing'' means a housing development that is comprised of
housing units that promote differing levels of affordability in
the community.
(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 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 jurisdiction of the eligible entity.
(c) Considerations.--In reviewing applications submitted by
eligible entities for a grant under this section, the Secretary shall
consider--
(1) the need for affordable housing by the eligible 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 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 production 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 information on the pre-
reviewed designs selected and submitted 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 practices
regarding such designs and make such information publicly
available on the website of the Department of Housing and Urban
Development.
(g) Design Adoption and Repayment.--The Secretary may require an
eligible entity to return to the Secretary 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 necessary 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.

19324c3dec46c0385f60648cc093f33c909b1bba639e78a39df33c726671aa4e

Section 5309 of title 49, United States Code, is amended--
(1) in subsection (a)--
(A) by redesignating paragraph (6) as paragraph
(7); and
(B) by inserting after paragraph (5) the following:
``(6) Pro-housing policy.--The term `pro-housing policy'--
``(A) means any adopted State or local policy 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 determining
that the development meets objective zoning and
design standards that--
``(I) involve no subjective
judgment 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
``(III) include only such standards
as are published and adopted by
ordinance or resolution by a
jurisdiction before submission of a
development 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
determined 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; considerations.--In evaluating and rating a
project as a whole for project justification under
subparagraph (A), the Secretary--
``(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 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 applicant
will result, through new production and
preservation, in an amount of housing units,
including housing units affordable below the
area median income, that is appropriate to
expected housing demand in the project area.
``(E) Consultation.--In developing the evaluation
process that could lead to the increased rating
described in subparagraph (D)(i), the Secretary shall
consult with the Secretary 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; considerations.--In evaluating and rating the
benefits of a project under subparagraph (A), the
Secretary--
``(i) may increase the rating of a project
if the applicant submits documented 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 applicant
will result, through new production and
preservation, in an amount of housing units,
including housing units affordable below the
area median income, that is appropriate to
expected housing demand in the project area.
``(D) Consultation.--In developing the evaluation
process that could lead to the increased 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;
(ii) in subparagraph (C), by striking the
period at the end and inserting ``; and''; and
(iii) by adding at the end the following:
``(D) information concerning projects for which the
applicant submitted pro-housing policies under
subsection (g)(2)(D) or subsection (h)(6) and received
an adjustment of rating for project justification.''.

b53da32557594aecdbe95fab5b11edbeac26b91187bfe8037b226c540e4cb1d0

(RESIDE) ACT.
(a) Definitions.--In this section:
(1) Attainable housing.--The term ``attainable 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.
(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 Program.
(4) Eligible entity.--The term ``eligible entity'' means a
participating jurisdiction, as defined in section 104 of the
Cranston-Gonzalez National Affordable Housing Act (42 U.S.C.
12704).
(5) HOME investment partnerships program.--The term ``HOME
Investment Partnerships Program'' means the program under
subtitle A of title II of the Cranston-Gonzalez National
Affordable Housing Act (42 U.S.C. 12741 et seq.).
(6) Pilot program.--The term ``Pilot Program'' 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--
(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
receivership 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 Housing Conversion
Program'', under which the Secretary awards grants on a competitive
basis to eligible entities 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 Program pursuant to subsection (b), the Secretary shall
seek to maximize the number of covered grants awarded.
(d) Relation to HOME Investment Partnerships 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
eligible entity under the HOME Investment Partnerships Program.
(e) Priority.--In awarding covered grants, the Secretary shall give
priority to an eligible entity that--
(1) will use the covered grant in a community that is
experiencing economic distress;
(2) will use the covered grant in a qualified opportunity
zone (as defined in section 1400Z-1(a) of the Internal Revenue
Code of 1986);
(3) will use the covered grant to construct housing that
will serve a need identified in the comprehensive housing
affordability strategy and community 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 alteration 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 expansion of
community land trusts.
(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 requirements for, any
statute or regulation that the Secretary 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 communities;
(2) increasing access to affordable housing, especially for
elderly individuals, disabled individuals, and veterans;
(3) increasing homeownership; and
(4) removing blight.

7aca9dae55f2698b7d109acdad2174a46b48833c5fc246aa024d9f1430445dd7

(a) Multifamily Loan Limit Study.--The Commissioner of the Federal
Housing Administration, in consultation 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 authority to
set loan limits for each multifamily mortgage insurance program
at appropriate amounts, including to cover the cost of land and
construction;
(3) the potential impacts of altering the calculation 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
percentage change in the Price Deflator Index of Multifamily
Residential Units Under Construction released 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,
including--
(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 Commissioner of the Federal Housing
Administration, conduct notice and comment rulemaking to increase
multifamily loan limits in a manner that would not exceed the
following:
(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 elevator-
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) $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 elevator-
type structures--
(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)--
(A) for projects that do not consist of elevator-
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.
(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 elevator-
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
(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 elevator-
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
(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 elevator-
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;
(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 section or the amendment
made by this section shall be construed to limit the authority of the
Secretary of Housing and Urban Development to revise the statutory
exceptions for high-cost percentage and high-cost areas annual
indexing.

d414450fd05ced2d78b4f24bb6c5a9f7de94f8d74c32d7ae18d79677f7775ea1

(a) In General.--Section 603(6) of the National Manufactured
Housing Construction and Safety Standards Act of 1974 (42 U.S.C.
5402(6)) is amended by striking ``on a permanent chassis'' and
inserting ``with or without a permanent chassis''.
(b) Manufactured Home Certifications.--Section 604 of the National
Manufactured Housing Construction and Safety Standards Act of 1974 (42
U.S.C. 5403) is amended by adding at the end the following:
``(i) Manufactured Home Certifications.--
``(1) In general.--
``(A) Initial certification.--Subject to
subparagraph (B), not later than 1 year after the date
of enactment of the Renewing Opportunity in the
American Dream to Housing Act of 2025, a State shall
submit to the Secretary an initial certification that
the laws and regulations of the State--
``(i) treat any manufactured home in parity
with a manufactured home (as defined and
regulated by the State); and
``(ii) subject a manufactured home without
a permanent chassis to the same laws and
regulations of the State as a manufactured home
built on a permanent chassis, including with
respect to financing, 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 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 biennially, the deadline
for the submission of the initial 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 certification
submitted after the deadline under subparagraph
(A) or paragraph (3) unless the Secretary
approves the late certification.
``(ii) Rule of construction.--Nothing in
this subsection shall be construed to prevent a
State from submitting the initial certification
required under subparagraph (A) after the
required deadline under that subparagraph.
``(2) Form of state certification not presented in a state
plan.--The initial certification required under paragraph
(1)(A), if not submitted with a State plan under paragraph
(1)(B), shall contain, in a form prescribed by the Secretary,
an attestation by an official that the State has taken the
steps necessary to ensure the veracity of the certification
required under paragraph (1)(A), including, as necessary, by--
``(A) amending the definition of `manufactured
home' in the laws and regulations of the State; and
``(B) directing State agencies to amend the
definition of `manufactured home' in regulations.
``(3) Annual recertification.--Not later than a date to be
determined by the Secretary each year, a State shall submit to
the Secretary an additional certification that--
``(A) confirms the accuracy of the initial
certification submitted under subparagraph (A) or (B)
of paragraph (1); and
``(B) certifies that any new laws or regulations
enacted or adopted by the State since the date of the
previous certification does not change the veracity of
the initial certification submitted under paragraph
(1)(A).
``(4) List.--The Secretary shall publish and maintain in
the Federal Register and on the website of the Department of
Housing and Urban Development 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
enactment 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 certification 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 prohibit
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 manufactured home within
the State.''.
(c) Other Federal Laws Regulating Manufactured Homes.--The
Secretary of Housing and Urban Development may coordinate with the
heads of other Federal agencies to ensure that Federal agencies treat a
manufactured home (as defined in Federal laws and regulations 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
Manufactured 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 National 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
Construction and Safety Standards Act of 1974 (42 U.S.C. 5403(d)).

b4957fc7dd389e746d792a80bc640ad3e28b75be7c9aa841f9a1484dfe955d48

(a) Definitions.--In this section:
(1) Manufactured home.--The term ``manufactured 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).
(2) 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.
(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 construction 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 participation in
construction financing programs by modular home
developers, including construction draw schedules; and
(B) identify administrative measures authorized
under section 525 of the National Housing Act (12
U.S.C. 1735f-3) to facilitate program utilization by
modular home developers.
(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 review conducted under
paragraph (1), which shall include 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 publishes the report under
paragraph (3), the Secretary shall initiate 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.
(B) Determination.--Following the period for public
comment under subparagraph (A), the Secretary shall--
(i) issue a final rule regarding an
alternative draw schedule described in
subparagraph (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 improving 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).

eea6e139bdfc9b1ffbf8859c3fd4418fa7890894b275342af5820c07bb092c61

MODERNIZATION ACT.
(a) National Housing Act Amendments.--
(1) In general.--Section 2 of the National Housing Act (12
U.S.C. 1703) is amended--
(A) in subsection (a), by inserting ``construction
of additional or accessory dwelling units, as defined
by the Secretary,'' after ``energy 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 financing
alterations, repairs and improvements upon or in connection
with an existing single-family structure, 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
apartment house or'';
(III) by striking subparagraphs (C)
and (D) and inserting the following:
``(C)(i) $106,405 if made for the purpose of financing the
purchase of a single-section manufactured home; and
``(ii) $195,322 if made for the purpose of financing the
purchase of a multi-section manufactured home;
``(D)(i) $149,782 if made for the purpose of financing the
purchase of a single-section manufactured home and a suitably
developed lot on which to place the home; and
``(ii) $238,699 if made for the purpose of financing the
purchase of a multi-section manufactured 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
semicolon;
(V) in subparagraph (F), by
striking ``and'' at the end;
(VI) in subparagraph (G), by
striking the period at the end and
inserting ``; and''; and
(VII) by inserting after
subparagraph (G) the following:
``(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 preceding
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
necessary to achieve the goals of the
Federal Housing Administration,
periodically reset the dollar amount
limitations in subparagraphs (A)
through (H) based on justification and
methodology set forth in advance by
regulation'' before the period at the
end; and
(V) by adjusting the margins
appropriately;
(iii) in paragraph (3), by striking
``exceeds--'' and all that follows through the
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
inserting 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 appropriate 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 Secretary 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. 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 required 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 Secretary 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'' includes manufactured homes
and modular homes.
(B) Manufactured home.--The term ``manufactured
home'' means any home constructed in accordance with
the construction and safety standards established under
the National Manufactured Housing Construction and
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 submit 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 transportation to a
construction site on cost, precision, and materials
waste;
(B) the extent to which off-site construction
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 maintenance costs
over the first 40 years of life of off-site
construction homes compared to those costs for site-
built homes; and
(D) opportunities for use beyond single-family
housing, such as applications in accessory dwelling
units, two- to four-unit housing, and large multifamily
housing.

7e721c211b0f80203925efccb5c520c76166b6f2f055db309f8c7494309bbc13

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 authorized under section 123,
activities''; and
(2) by adding at the end the following:
``SEC. 123. PRESERVATION AND REINVESTMENT FOR COMMUNITY ENHANCEMENT.
``(a) Definitions.--In this section:
``(1) Community development financial institution.--The
term `community development financial 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 Improvement Act of 1994
(12 U.S.C. 4702)) by the Secretary of the Treasury.
``(2) Eligible manufactured housing community.--The term
`eligible manufactured housing community' means a manufactured
housing community that--
``(A) is affordable to low- and moderate-income
persons, as determined by the Secretary, but not more
than 120 percent of the area median 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 community, and
remain affordable for low- and moderate-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;
``(F) a nonprofit entity with housing expertise 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
manufactured housing community.
``(4) Indian tribe.--The term `Indian tribe' has the
meaning given the term `Indian tribe' in section 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 accommodating or
equipped to accommodate the placement of manufactured
homes, where--
``(i) spaces within such community are or
will be primarily used for residential
occupancy;
``(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 include homes
constructed prior to enactment of the
Manufactured Home Construction and Safety
Standards; or
``(B) any community that meets the definition of
manufactured housing community used for programs
similar to the program under this section.
``(6) Resident health, safety, and accessibility
activities.--The term `resident health, safety, and
accessibility activities' means the reconstruction, repair, or
replacement of manufactured housing and manufactured housing
communities to--
``(A) protect the health and safety of residents;
``(B) address weatherization and reduce utility
costs; or
``(C) address accessibility needs for residents
with disabilities.
``(7) Tribally designated housing entity.--The term
`tribally designated housing entity' has the meaning given the
term in section 4 of the Native American Housing Assistance and
Self-Determination Act of 1996 (25 U.S.C. 4103).
``(b) Establishment.--The Secretary shall, by notice, carry out a
competitive grant program to award funds to eligible recipients to
carry out eligible projects for development of or improvements in
eligible manufactured 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 community;
``(B) reconstruction or repair existing housing
within an eligible manufactured housing community;
``(C) replacement of homes within an eligible
manufactured housing community;
``(D) planning;
``(E) resident health, safety, and accessibility
activities in homes in an eligible manufactured housing
community;
``(F) land and site acquisition and infrastructure
for expansion or construction of an eligible
manufactured housing community;
``(G) resident and community services, including
relocation assistance, eviction prevention, and down
payment assistance; and
``(H) any other activity that--
``(i) is approved by the Secretary
consistent with the requirements under this
section;
``(ii) improves the overall living
conditions of an eligible manufactured housing
community, which may include the addition 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 eligible
manufactured housing community and the long-
term affordability and sustainability of the
community.
``(2) Replacement.--For purposes of subparagraphs (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 Construction and Safety Standards or
is another allowed home, as determined by the
Secretary.
``(d) Priority.--In awarding grants under this section, the
Secretary shall prioritize applicants that will carry out activities
that primarily benefit low- and moderate-income residents and preserve
long-term housing affordability for residents of eligible manufactured
housing communities.
``(e) Waivers.--The Secretary may waive or specify alternative
requirements for any provision of law or regulation that the Secretary
administers in connection with use of amounts made available under this
section other than requirements related to fair housing,
nondiscrimination, labor standards, and the environment, upon a finding
that the waiver or alternative requirement is not inconsistent with the
overall purposes of this section and that the waiver or alternative
requirement is necessary to facilitate 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 selection 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.''.

694027c4bdc9c31deb3e5d0dca712ac28e0e8abd30b05d295584081c71b729c1

(a) Definitions.--In this section:
(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
Administration 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 Corporation or the Federal
National Mortgage Association.
(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 Financial Services of the
House of Representatives a report on loan originator compensation
practices throughout the residential mortgage market, including the
relative frequency of loan originators being compensated--
(1) with a salary;
(2) with a commission reflecting a fixed percentage of the
amount of credit extended;
(3) with a commission based on a factor other than a fixed
percentage of the amount of credit extended;
(4) with a combination of salary and commission;
(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 provides a loan originator with
compensation in such a way that the loan originator does not
necessarily receive 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.
(c) Contents.--The report required under subsection (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 potential
barriers to small dollar mortgage lending.
(d) Rulemaking.--Following the issuance of the report 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 originator would
receive for originating a mortgage loan that is not a small
dollar mortgage.

128208e00b3c8ec36188cb994a92cc5eeba36df1c719f6eabf5a5d65685a4a7b

TITLE IV

-ACCESSING THE AMERICAN DREAM

(a) Small Dollar Mortgage Defined.--In this section, the term
``small dollar mortgage'' means a mortgage with an original principal
obligation of less than $100,000.
(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 dollar mortgage originations.
(2) Rulemaking.--Following the evaluation required under
paragraph (1), the Director of the Bureau 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 regulation,
to encourage additional lending for small dollar mortgages.

f7167795931867f2095e268b3590ea63d8dfc58059f0c4df8407ff30020432a7

(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--
(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 Administration in all
States and territories;
``(B) meet the requirements under the competency 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 Federal 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
``(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 subparagraph (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 appraiser may conduct an appraisal on a property
securing 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 appraisals on
mortgages insured by the Federal Housing Administration
before the date on which the mortgagee letter or
guidance take effect under paragraph (3)(C), the
appraiser is in compliance with subparagraph (C) of
such section 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
requirements under section 202(g)(5) of the National
Housing Act (12 U.S.C. 1708(g)(5)), as amended by
paragraph (1), for approval to conduct appraisals on
property secured by a mortgage to be insured by the
Federal Housing Administration, 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 paragraph (1), shall
be considered to fulfill the 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 Secretary issues the
mortgagee letter or guidance.
(b) Annual Registry Fees for Appraisal Management 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
following 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 Reform, 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 ``licensed
appraisers''; and
(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 inserting
``provides''; and
(iii) by striking the period at the end and
inserting ``; and''.
(2) Annual registry fees.--
(A) In general.--Section 1109 of the Financial
Institutions Reform, Recovery, and Enforcement Act of
1989 (12 U.S.C. 3338) is amended--
(i) in the section heading, by striking
``or licensed'' and inserting ``, licensed, and
credentialed trainee''; 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
roster listing individuals who have
received a State trainee credential''
after ``this title''; and
(II) by striking paragraph (2) and
inserting the following:
``(2) transmit reports on the issuance and renewal of
licenses, certifications, credentials, sanctions, and
disciplinary actions, including license, credential, and
certification revocations, on a timely basis to the national
registry of the Appraisal Subcommittee;''.
(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 appraisers, as defined in
paragraph (12) of section 1121 of the Financial
Institutions Reform, Recovery, 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--
(A) by striking ``In determining'' and inserting
``(a) In General.--In determining''; and
(B) by adding at the end the following:
``(b) Use of State Credentialed Trainee Appraisers.--In performing
an appraisal under this section, 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 Financial 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 appraiser.--The term
`State credentialed trainee appraiser' means an individual
who--
``(A) meets the minimum criteria established 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.--Section 1109(b) of the
Financial Institutions Reform, Recovery, 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 certifying 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 industry workforce needs, including
recruiting and retaining workforce talent, such as through
scholarship 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 Affairs, the Rural Housing Service of the Department of
Agriculture, the Department of Housing and Urban Development,'' after
``Financial Protection,''.

830ae49686e5eeb3ef7dc345f97c4febc6a7096774a3788676e742b1fb99c660

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 `covered family'
means a family that receives assistance under section 8
or 9 of this Act and is enrolled in the pilot program.
``(B) Eligible entity.--The term `eligible entity'
means an entity described in subsection (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 regulation.
``(2) Establishment.--The Secretary shall establish a pilot
program under which the Secretary shall select not more than 25
eligible entities to establish and manage escrow accounts for
not more than 5,000 covered families, in accordance with this
subsection.
``(3) Escrow accounts.--
``(A) In general.--An eligible entity selected 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 attributable to
increases in earned income by the covered
families during the participation of each
covered family in the pilot program; and
``(ii) notwithstanding any other provision
of law, may use funds it controls under section
8 or 9 for purposes of making the escrow
deposit for covered families assisted under, or
residing in units assisted under, section 8 or
9, respectively, provided such funds are offset
by the increase in the amount of rent paid by
the covered family.
``(B) Income limitation.--An eligible entity may
not escrow any amounts for any covered 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 interest 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 eligible
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 chooses
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
section 8 or 9, if such date is earlier than 5
years after the date on which the eligible
entity establishes the escrow account;
``(IV) earlier than 5 years after the date
on which the eligible entity establishes the
escrow account, if the covered family is using
the funds to advance a self-sufficiency goal as
approved by the eligible entity; or
``(V) under other circumstances in which
the Secretary determines an exemption 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 training and services
plan in order to participate in the pilot program.
``(4) Effect of increases in family income.--Any increase
in the earned income of a covered family during the enrollment
of the family in 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 proposed
covered families to be served by the eligible
entity under this subsection.
``(B) Geographic and entity variety.--The Secretary
shall ensure that eligible entities selected to
participate in the pilot program--
``(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.
``(6) Notification and opt-out.--An eligible entity
participating in the pilot program shall--
``(A) notify covered families of their enrollment
in the pilot program;
``(B) provide covered families with a detailed
description of the pilot program, including how the
pilot program will impact their rent and finances;
``(C) inform covered families that the families
cannot simultaneously participate in the pilot program
and the Family Self-Sufficiency program under this
section; and
``(D) provide covered families with the ability to
elect not to participate in the pilot program--
``(i) not less than 2 weeks before the date
on which the escrow account is established
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 program, the amount of rent paid by
the covered family shall be calculated under the rental
provisions of section 3 or 8(o), as applicable.
``(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 accounts.--An
eligible entity selected to participate in the pilot
program shall--
``(i) not later than 6 months after
selection, 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 assistance.--
``(A) In general.--Assistance under section 8 or 9
for a family that elects not to participate in the
pilot program shall not be delayed or denied by reason
of such election.
``(B) No termination.--Housing assistance may not
be terminated as a consequence of participating, or not
participating, in the pilot program under this
subsection for any period of time.
``(10) Study.--Not later than 8 years after the date the
Secretary selects eligible entities to participate 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
Services of the House of Representatives a report on outcomes
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 entities to
effectively administer the pilot program and make the required
escrow account deposits under this subsection, the Secretary
may waive requirements under this section.
``(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 appropriated under
this subsection shall remain available until
expended.''.

3e4194ecd898a04f65ea75e69d0fd3d49acd5f9aa59d39ca47dfa6c50d1ed039

(a) Satisfaction of Inspection Requirements Through Participation
in Other Housing Programs.--Section 8(o)(8) of the United States
Housing Act of 1937 (42 U.S.C. 1437f(o)(8)), as amended by section
101(a) of the Housing Opportunity Through Modernization Act of 2016
(Public Law 114-201; 130 Stat. 783), is amended by adding at the end
the following:
``(I) Satisfaction of inspection requirements
through participation in other housing programs.--
``(i) Low-income housing tax credit-
financed buildings.--A dwelling unit shall be
deemed to meet the inspection requirements
under this paragraph if--
``(I) the dwelling unit is in a
building, the acquisition,
rehabilitation, or construction of
which was financed 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 financing;
``(II) the dwelling unit was
physically inspected and passed
inspection as part of the low-income
housing tax credit program described in
subclause (I) during the preceding 12-
month period; and
``(III) the applicable public
housing agency is able to obtain the
results of the inspection described in
subclause (II).
``(ii) Home investment partnerships
program.--A dwelling shall be deemed to meet
the inspection requirements under this
paragraph if--
``(I) the dwelling unit is assisted
under the HOME Investment Partnerships
Program under title II of the Cranston-
Gonzalez National Affordable Housing
Act (42 U.S.C. 12721 et seq.);
``(II) the dwelling unit was
physically inspected and passed
inspection as part of the program
described in subclause (I) during the
preceding 12-month period; and
``(III) the applicable public
housing agency is able to obtain the
results of the inspection described in
subclause (II).
``(iii) Rural housing service.--A dwelling
unit shall be deemed to meet the inspection
requirements under this paragraph if--
``(I) the dwelling unit is assisted
by the Rural Housing Service of the
Department of Agriculture;
``(II) the dwelling unit was
physically inspected and passed
inspection in connection with the
assistance described in subclause (I)
during the preceding 12-month period;
and
``(III) the applicable public
housing agency is able to obtain the
results of the inspection described in
subclause (II).
``(iv) Remote or video inspections.--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 authorized 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. 1437f(o)(8)(A)) is amended by adding at
the end the following:
``(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
subsection for any dwelling unit.
``(II) Early inspection.--Upon the
request of a new landlord, a public
housing agency may inspect the dwelling
unit owned by the new landlord to
determine whether the unit meets the
housing quality standards under
subparagraph (B) before the unit is
selected 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 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 inspection.
``(IV) Information when family is
selected.--When a public housing agency
selects a family to participate in the
tenant-based assistance program under
this subsection, the public housing
agency shall include in the information
provided to the family a list of
dwelling units that have been inspected
under subclause (II) and determined to
meet the housing quality standards
under subparagraph (B).''.

a11979457cc7bf082d4fe495557ddc0e7052bf02be0d79f82a13e5d94687cb68

81e26d6a7ca4acc03e215000dedcdd7a7cb3ff13eb6c7f2a7f0b5f4b48a3ea37

ACT.
(a) Authorization.--Section 205 of the Cranston-Gonzalez National
Affordable Housing Act (42 U.S.C. 12724) is amended to read as follows:
``SEC. 205. AUTHORIZATION OF PROGRAM.
``The HOME Investment Partnerships Program under subtitle A is
hereby authorized. There is authorized such sums as may be necessary to
carry out subtitle A.''.
(b) Increase in Program Administration Resources.--Subtitle A of
title II of the Cranston-Gonzalez National Affordable Housing Act (42
U.S.C. 12741 et seq.) is amended--
(1) in section 212(c) (42 U.S.C. 12742(c)), by striking
``10 percent'' and inserting ``15 percent''; and
(2) in section 220(b) (42 U.S.C. 12750(b))--
(A) by striking ``Recognition.--'' and all that
follows through ``A contribution'' and inserting the
following: ``Recognition.--A contribution''; and
(B) by striking paragraph (2).
(c) Modification of Jurisdictions Eligible for Reallocations.--
Section 217(d)(3) of the Cranston-Gonzalez National Affordable Housing
Act (42 U.S.C. 12747(d)(3)) is amended by striking ``Limitation.--
Unless otherwise specified'' and inserting the following:
"Limitations.-- ``
``(A) Removal of participating jurisdictions from
reallocation.--The Secretary may, upon a finding that
such jurisdiction has failed to meet or comply with the
requirements of this title, remove a participating
jurisdiction from participation in reallocations of
funds made available under this title.
``(B) Reallocation to same type of entity.--Unless
otherwise specified''.
(d) Amendments to Qualification as Affordable Housing.--Section 215
of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C.
12745) is amended--
(1) in subsection (a)--
(A) in paragraph (1)(E), by striking all that
follows ``purposes of this Act,'' and inserting the
following: ``except upon a foreclosure by a lender (or
upon other transfer in lieu of foreclosure) if such
action--
``(i) recognizes any contractual or legal
rights of public agencies, nonprofit sponsors,
or others to take actions that would avoid
termination of low-income affordability in the
case of foreclosure or transfer in lieu of
foreclosure; and
``(ii) is not for the purpose of avoiding
low-income affordability restrictions, as
determined by the Secretary; and''; and
(B) by adding at the end the following:
``(7) Small-scale housing.--
``(A) Definition.--In this paragraph, the term
`small-scale housing' means housing with not more than
4 rental units.
``(B) Alternative requirements.--Small-scale
housing shall qualify as affordable housing under this
title if--
``(i) the housing bears rents that comply
with paragraph (1)(A);
``(ii) each unit is occupied by a household
that qualifies as a low-income family;
``(iii) the housing complies with paragraph
(1)(D);
``(iv) the housing meets the requirements
under paragraph (1)(E); and
``(v) the participating jurisdiction
monitors ongoing compliance of the housing with
requirements of this title in a manner
consistent with the purposes of section 226(b),
as determined by the Secretary.''; and
(2) in subsection (b)(1), by inserting ``(defined as the
amount borrowed by the homebuyer to purchase the home, or
estimated value after rehabilitation, which may be adjusted to
account for the limits on future value imposed by the resale
restriction)'' after ``purchase price''.
(e) Elimination of Commitment Deadline.--
(1) In general.--Section 218 of the Cranston-Gonzalez
National Affordable Housing Act (42 U.S.C. 12748) is amended--
(A) by striking subsection (g); and
(B) by redesignating subsection (h) as subsection
(g).
(2) Conforming amendment.--Section 218(c) of the Cranston-
Gonzalez National Affordable Housing Act (42 U.S.C. 12748(c))
is amended--
(A) in paragraph (1), by adding ``and'' at the end;
(B) by striking paragraph (2);
(C) by redesignating paragraph (3) as paragraph
(2); and
(D) in paragraph (2), as so redesignated, by
striking ``section 224'' and inserting ``section 223''.
(f) Reform of Homeownership Resale Restrictions.--Section 215 of
the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C.
12745), as amended by this section, is amended--
(1) in subsection (b)--
(A) in paragraph (2), by redesignating
subparagraphs (A), (B), and (C) as clauses (i), (ii),
and (iii), respectively, and adjusting the margins
accordingly;
(B) by striking paragraph (3);
(C) by redesignating paragraphs (1), (2), and (4)
as subparagraphs (A), (B), and (D), respectively, and
adjusting the margins accordingly;
(D) by inserting after subparagraph (B), as so
redesignated, the following:
``(C) is subject to restrictions that are
established by the participating jurisdiction and
determined by the Secretary to be appropriate,
including with respect to the useful life of the
property, to--
``(i) require that any subsequent purchase
of the property be--
``(I) only by a person who meets
the qualifications specified under
subparagraph (B); and
``(II) at a price that is
determined by a formula or method
established by the participating
jurisdiction that provides the owner
with a reasonable return on investment,
which may include a percentage of the
cost of any improvements; or
``(ii) recapture the investment provided
under this title in order to assist other
persons in accordance with the requirements of
this title, except where there are no net
proceeds or where the net proceeds are
insufficient to repay the full amount of the
assistance; and'';
(E) by striking ``Housing that is for
homeownership'' and inserting the following:
``(1) Qualification.--Housing that is for homeownership'';
and
(F) by adding at the end the following:
``(2) Purchase by community land trust.--Notwithstanding
subparagraph (C)(i) of paragraph (1) and under terms determined
by the Secretary, the Secretary may permit a participating
jurisdiction to allow a community land trust that used
assistance provided under this subtitle for the development of
housing that meets the criteria under paragraph (1), to acquire
the housing--
``(A) in accordance with the terms of the
preemptive purchase option, lease, covenant on the
land, or other similar legal instrument of the
community land trust when the terms and rights in the
preemptive purchase option, lease, covenant, or legal
instrument are and remain subject to the requirements
of this title;
``(B) when the purchase is for--
``(i) the purpose of--
``(I) entering into the chain of
title;
``(II) enabling a purchase by a
person who meets the qualifications
specified under paragraph (1)(B) and is
on a waitlist maintained by the
community land trust, subject to
enforcement by the participating
jurisdiction of all applicable
requirements of this subtitle, as
determined by the Secretary;
``(III) performing necessary
rehabilitation and improvements; or
``(IV) adding a subsidy to preserve
affordability, which may be from
Federal or non-Federal sources; or
``(ii) another purpose determined
appropriate by the Secretary; and
``(C) if, within a reasonable period of time after
the applicable purpose under subparagraph (B) of this
paragraph is fulfilled, as determined by the Secretary,
the housing is then sold to a person who meets the
qualifications specified under paragraph (1)(B).
``(3) Suspension or waiver of requirements for military
members.--A participating jurisdiction, in accordance with
terms established by the Secretary, may suspend or waive a
requirement under paragraph (1)(B) with respect to housing that
otherwise meets the criteria under paragraph (1) if the owner
of the housing--
``(A) is a member of a regular component of the
armed forces or a member of the National Guard on full-
time National Guard duty, active Guard and Reserve
duty, or inactive-duty training (as those terms are
defined in section 101(d) of title 10, United States
Code); and
``(B) has received--
``(i) temporary duty orders to deploy with
a military unit or military orders to deploy as
an individual acting in support of a military
operation, to a location that is not within a
reasonable distance from the housing, as
determined by the Secretary, for a period of
not less than 90 days; or
``(ii) orders for a permanent change of
station.
``(4) Suspension or waiver of requirements for heir or
beneficiary of deceased owner.--Notwithstanding subparagraph
(C) of paragraph (1), housing that meets the criteria under
that paragraph prior to the death of an owner may continue to
qualify as affordable housing if--
``(A) the housing is the principal residence of an
heir or beneficiary of the deceased owner, as defined
by the Secretary; and
``(B) the heir or beneficiary, in accordance with
terms established by the Secretary, assumes the duties
and obligations of the deceased owner with respect to
funds provided under this title.''.
(g) Home Property Inspections.--Section 226(b) of the Cranston-
Gonzalez National Affordable Housing Act (42 U.S.C. 12756(b)) is
amended--
(1) by striking ``Each participating jurisdiction'' and
inserting the following:
``(1) In general.--Each participating jurisdiction''; and
(2) by striking ``Such review shall include'' and all that
follows and inserting the following:
``(2) On-site inspections.--
``(A) Inspections by units of general local
government.--A review conducted under paragraph (1) by
a participating jurisdiction that is a unit of general
local government shall include an on-site inspection to
determine compliance with housing codes and other
applicable regulations.
``(B) Inspections by states.--A review conducted
under paragraph (1) by a participating jurisdiction
that is a State shall include an on-site inspection to
determine compliance with a national standard as
determined by the Secretary.
``(3) Inclusion in performance report and publication.--A
participating jurisdiction shall include in the performance
report of the participating jurisdiction submitted to the
Secretary under section 108(a), and make available to the
public, the results of each review conducted under paragraph
(1).''.
(h) Revisions to Strengthen Enforcement and Penalties for
Noncompliance.--Section 223 of the Cranston-Gonzalez National
Affordable Housing Act (42 U.S.C. 12753) is amended--
(1) in the heading, by striking ``penalties for misuse of
funds'' and inserting ``program enforcement and penalties for
noncompliance'';
(2) in the matter preceding paragraph (1), by inserting
after ``any provision of this subtitle'' the following: ``,
including any provision applicable throughout the period
required by section 215(a)(1)(E) and applicable regulations,'';
(3) in paragraph (2), by striking ``or'' at the end;
(4) in paragraph (3), by striking the period at the end and
inserting ``; or''; and
(5) by adding at the end the following:
``(4) reduce payments to the participating jurisdiction
under this subtitle by an amount equal to the amount of such
payments which were not expended in accordance with this
title.''.
(i) Tenant and Participant Protections for Small-scale Affordable
Housing.--Section 225 of the Cranston-Gonzalez National Affordable
Housing Act (42 U.S.C. 12755) is amended by adding at the end the
following:
``(e) Tenant Selection for Small-scale Housing.--Paragraphs (2)
through (4) of subsection (d) shall not apply to the owner of small-
scale housing (as defined in section 215(a)(7)).''.
(j) Modification of Rules Related to Community Housing Development
Organizations.--
(1) Definitions of community housing development
organization and community land trust.--
(A) In general.--Section 104 of the Cranston-
Gonzalez National Affordable Housing Act (42 U.S.C.
12704) is amended--
(i) in paragraph (6)(B)--
(I) by striking ``significant'';
and
(II) by striking ``and otherwise''
and inserting ``or as otherwise
determined acceptable by the
Secretary''; and
(ii) by adding at the end the following:
``(26) The term `community land trust' means a nonprofit
entity or a State or local government or instrumentality
thereof that--
``(A) is not managed by, or an affiliate of, a for-
profit organization;
``(B) has as a primary purpose acquiring,
developing, or holding land to provide housing that is
permanently affordable to low- and moderate-income
persons, and monitors properties to ensure
affordability is preserved;
``(C) provides housing described in subparagraph
(B) using a ground lease, deed covenant, or other
similar legally enforceable measure, as determined by
the Secretary, that--
``(i) keeps the housing affordable to low-
and moderate-income persons for not less than
30 years; and
``(ii) enables low- and moderate-income
persons to rent or purchase the housing for
homeownership; and
``(D) maintains preemptive purchase options to
purchase the property so the housing remains affordable
to low-and moderate-income persons.''.
(B) Elimination of existing definition of community
land trust.--Section 233 of the Cranston-Gonzalez
National Affordable Housing Act (42 U.S.C. 12773) is
amended by striking subsection (f).
(2) Set-aside for community housing development
organizations.--Section 231 of the Cranston-Gonzalez National
Affordable Housing Act (42 U.S.C. 12771) is amended--
(A) in subsection (a), by striking ``to be
developed, sponsored, or owned by community housing
development organizations'' and inserting ``when a
community housing development organization materially
participates in the ownership or development of such
housing, as determined by the Secretary'';
(B) by striking subsection (b) and inserting the
following:
``(b) Recapture and Reuse.--If any funds reserved under subsection
(a) remain uninvested for a period of 24 months, then the Secretary
shall make such funds available to the participating jurisdiction for
any eligible activities under this title without regard to whether a
community housing development organization materially participates in
the use of the funds.''; and
(C) by striking subsection (c).
(k) Technical Corrections.--The Cranston-Gonzalez National
Affordable Housing Act (42 U.S.C. 12701 et seq.) is amended--
(1) in section 104 (42 U.S.C. 12704)--
(A) by redesignating paragraph (23) (relating to
the definition of the term ``to demonstrate to the
Secretary'') as paragraph (22); and
(B) by redesignating paragraph (24) (relating to
the definition of the term ``insular area'', as added
by section 2(2) of Public Law 102-230) as paragraph
(23);
(2) in section 105(b) (42 U.S.C. 12705(b))--
(A) in paragraph (7), by striking ``Stewart B.
McKinney Homeless Assistance Act'' and inserting
``McKinney-Vento Homeless Assistance Act''; and
(B) in paragraph (8), by striking ``subparagraphs''
and inserting ``paragraphs'';
(3) in section 106 (42 U.S.C. 12706), by striking ``Stewart
B. McKinney Homeless Assistance Act'' and inserting ``McKinney-
Vento Homeless Assistance Act'';
(4) in section 108(a)(1) (42 U.S.C. 12708(a)(1)), by
striking ``section 105(b)(15)'' and inserting ``section
105(b)(18)'';
(5) in section 212 (42 U.S.C. 12742)--
(A) in subsection (a)--
(i) in paragraph (3)(A)(ii), by inserting
``United States'' before ``Housing Act''; and
(ii) by redesignating paragraph (5) as
paragraph (4);
(B) in subsection (d)(5), by inserting ``United
States'' before ``Housing Act''; and
(C) in subsection (e)(1)--
(i) by striking ``section 221(d)(3)(ii)''
and inserting ``section 221(d)(4)''; and
(ii) by striking ``not to exceed 140
percent'' and inserting ``as determined by the
Secretary'';
(6) in section 215(a)(6)(B) (42 U.S.C. 20 12745(a)(6)(B)),
by striking ``grand children'' and inserting ``grandchildren'';
(7) in section 217 (42 U.S.C. 12747)--
(A) in subsection (a)--
(i) in paragraph (1), by striking ``(3)''
and inserting ``(2)'';
(ii) by striking paragraph (3), as added by
section 211(a)(2)(D) of the Housing and
Community Development Act of 1992 (Public Law
102-550; 106 Stat. 3756); and
(iii) by redesignating the remaining
paragraph (3), as added by the matter under the
heading ``home investment partnerships
program'' under the heading ``Housing
Programs'' in title II of the Departments of
Veterans Affairs and Housing and Urban
Development, and Independent Agencies
Appropriations Act, 1993 (Public Law 102-389;
106 Stat. 1581), as paragraph (2); and
(B) in subsection (b)--
(i) in paragraph (1)--
(I) in the first sentence of
subparagraph (A)--
(aa) by striking ``in
regulation'' and inserting ``,
by regulation,''; and
(bb) by striking ``eligible
jurisdiction'' and inserting
``eligible jurisdictions''; and
(II) in subparagraph (F)--
(aa) in the first
sentence--
(AA) in clause (i),
by striking
``Subcommittee on
Housing and Urban
Affairs'' and inserting
``Subcommittee on
Housing,
Transportation, and
Community
Development''; and
(BB) in clause
(ii), by striking
``Subcommittee on
Housing and Community
Development of the
Committee on Banking,
Finance and Urban
Affairs'' and inserting
``Subcommittee on
Housing and Insurance
of the Committee on
Financial Services'';
and
(bb) in the second
sentence, by striking ``the
Committee on Banking, Finance
and Urban Affairs of the House
of Representatives'' and
inserting ``the Committee on
Financial Services of the House
of Representatives'';
(ii) in paragraph (2)(B), by striking
``$500,000'' each place that term appears and
inserting ``$750,000'';
(iii) in paragraph (3)--
(I) by striking ``$500,000'' each
place that term appears and inserting
``$750,000''; and
(II) by striking ``, except as
provided in paragraph (4)''; and
(iv) by striking paragraph (4);
(8) in section 220(c) (42 U.S.C. 12750(c))--
(A) in paragraph (3), by striking ``Secretary'' and
all that follows and inserting ``Secretary;'';
(B) in paragraph (4), by striking ``under this
title'' and all that follows and inserting ``under this
title;''; and
(C) by redesignating paragraphs (6), (7), and (8)
as paragraphs (5), (6), and (7), respectively;
(9) in section 225(d)(4)(B) (42 U.S.C. 12755(d)(4)(B)), by
striking ``for'' the first place that term appears; and
(10) in section 283 (42 U.S.C. 12833)--
(A) in subsection (a), by striking ``Banking,
Finance and Urban Affairs'' and inserting ``Financial
Services''; and
(B) in subsection (b), by striking ``General
Accounting Office'' each place that term appears and
inserting ``Government Accountability Office''.

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b2e6f5c91f34b495fd4831374cbdd1b1f0b8dc9f95176c1a4dc95f91347f01cf

(a) Definitions.--In this section:
(1) Moving to work demonstration.--The term ``Moving to
Work demonstration'' means the Moving to Work demonstration
authorized under section 204 of the Departments of Veterans
Affairs and Housing and Urban Development, and Independent
Agencies Appropriations Act, 1996 (42 U.S.C. 1437f note).
(2) Secretary.--The term ``Secretary'' means the Secretary
of Housing and Urban Development.
(b) Authorization of Additional Public Housing Agencies.--
(1) In general.--After the completion of the initial report
required under subsection (h)(2), the Secretary may add up to
an additional 25 public housing agencies that are designated as
high performing agencies under the Public Housing Assessment
System or the Section 8 Management Assessment Program to
participate in a new cohort as part of the Moving to Work
demonstration.
(2) Name.--The new cohort authorized under paragraph (1)
shall be entitled the ``Economic Opportunity and Pathways to
Independence Cohort''.
(c) Waiver Authority.--
(1) In general.--Subject to paragraph (2), the authority of
the Secretary to grant waivers to agencies admitted to the
Moving to Work demonstration under this section or to designate
policy changes as part of a cohort design under this section
shall be limited to the waivers codified as of January 2025 in
Appendix I of the document of the Department of Housing and
Urban Development entitled ``Operations Notice for the
Expansion of the Moving to Work Demonstration Program'' (FR-
5994-N-05) published in the Federal Register on August 28,
2020, as amended by the notice entitled ``Operations Notice for
Expansion of the Moving to Work Demonstration Program Technical
Revisions'' (FR-5994-N-06) published in the Federal Register on
March 20, 2025.
(2) Exceptions.--Under paragraph (1), the Secretary may not
grant waivers 1c, 1d, 1e, 1f, 1k, 1l, 1o, 1p, 1q, 6, 7, 9a, 9h,
or 12 in the document described in paragraph (1), including
modifications of or safe harbor requirement waivers for such
waivers.
(3) Policy options.--In carrying out the Moving to Work
demonstration cohort established under this section, the
Secretary may consider policy options to provide opt-out
savings or escrow accounts and report positive rental payments
to consumer reporting agencies (as defined in section 603 of
the Fair Credit Reporting Act (15 U.S.C. 1681a)) with resident
consent.
(d) Funding and Use of Funds.--
(1) In general.--Public housing agencies in the cohort
authorized under this section may expend not more than 5
percent of the amounts those public housing agencies receive in
any fiscal year for housing assistance payments under section
8(o) of the United States Housing Act of 1937 (42 U.S.C.
1437f(o)) for purposes other than such housing assistance
payments.
(2) Other uses.--Such other uses of amounts described in
paragraph (1) shall comply with all other applicable
requirements.
(3) Formula.--
(A) Renewal.--The amount of funding public housing
agencies receive for renewal of housing assistance
payments under section 8(o) of the United States
Housing Act of 1937 (42 U.S.C. 1437f(o)) shall be
determined according to the same funding formula
applicable to public housing agencies that do not
participate in the Moving to Work demonstration, except
that the Secretary shall provide public housing
agencies funding to renew any funds expended under this
subsection, with an adjustment for inflation.
(B) Administrative fees.--The amount of funding
public housing agencies receive for administrative fees
under section 8(q) of the United States Housing Act of
1937 (42 U.S.C. 1437f(q)), public housing operating
subsidies under section 9(e) of the United States
Housing Act of 1937 (42 U.S.C. 1437g(e)), and public
housing capital funding under section 9(d) of the
United States Housing Act of 1937 (42 U.S.C. 1437g(d))
shall be determined according to the same funding
formula applicable to public housing agencies that do
not participate in the Moving to Work demonstration.
(e) Selection Requirements.--The Secretary shall select public
housing agencies designated under this section through a competitive
process, as determined by the Secretary, with the following parameters:
(1) No public housing agency shall be granted this
designation under this section that administers more than
27,000 aggregate housing vouchers and public housing units.
(2) Of the public housing agencies selected under this
section, not more than 10 shall administer 1,000 or fewer
aggregate housing vouchers and public housing units, not more
than 6 shall administer between 1,001 and 6,000 aggregate
housing vouchers and public housing units, and not more than 4
shall administer between 6,001 and 27,000 aggregate housing
vouchers and public housing units.
(3) Selection of public housing agencies under this section
shall be based on ensuring the geographic diversity of Moving
to Work demonstration public housing agencies.
(4) Within the requirements under paragraphs (1) through
(3), the Secretary shall prioritize selecting public housing
agencies that serve families with children and youth aging out
of foster care at a rate above the national average.
(f) Requirements for Selected Public Housing Agencies.--Consistent
with section 204(c)(3) of the Departments of Veterans Affairs and
Housing and Urban Development, and Independent Agencies Appropriations
Act, 1996 (42 U.S.C. 1437f note), public housing agencies selected for
the Moving to Work demonstration under this section shall--
(1) ensure that not less than 75 percent of the families
assisted are very low-income families, as defined in section
3(b)(2)(B) of the United States Housing Act of 1937 (42 U.S.C.
1437a(b)(2)(B));
(2) establish a reasonable rent policy, which shall be
designed to encourage employment and self-sufficiency by
participating families, consistent with the purpose of the
Moving to Work demonstration, such as by excluding some or all
of a family's earned income for purposes of determining rent;
(3) continue to assist substantially the same total number
of eligible low-income families as would have been served had
the amounts not been combined;
(4) maintain a comparable mix of families (by family size)
as would have been provided had the amounts not been used under
the Moving to Work demonstration; and
(5) assure that housing assisted under the Moving to Work
demonstration meets housing quality standards established or
approved by the Secretary.
(g) Noncompliance.--
(1) In general.--If the Secretary finds that a public
housing agency participating in the cohort authorized under
this section is not in compliance with the requirements under
this section, the Secretary shall make a determination of
noncompliance.
(2) Compliance.--Upon making a determination under
paragraph (1), the Secretary shall develop a process to bring
the public housing agency into compliance.
(3) Removal.--If a public housing agency cannot be brought
into compliance under the process developed under paragraph
(2), the Secretary shall remove the participating public
housing agency from the cohort and replace it with a similarly
qualified public housing agency currently not in the cohort
chosen in the manner described in subsection (e).
(4) Notification.--Upon removing a public housing agency
under paragraph (3), the Secretary shall immediately 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) a notification of the removal; and
(B) a report on the active steps the Secretary is
taking to replace the public housing agency with a new
public housing agency.
(h) Comprehensive Moving to Work Reporting and Oversight
Requirements.--
(1) Cohort research.--
(A) In general.--The Secretary shall continue
ongoing research investigations commenced as part of
the assessment of the cohorts established under section
239 of the Department of Housing and Urban Development
Appropriations Act, 2016 (42 U.S.C. 1437f note; Public
Law 114-113), make public all products completed as
part of those investigations, and keep such products
online for at least 5 years.
(B) Coordination.--The Secretary shall coordinate
with the advisory committee established under section
239 of the Department of Housing and Urban Development
Appropriations Act, 2016 (42 U.S.C. 1437f note; Public
Law 114-113) to establish a research program to
evaluate the outcomes and efficacy of the following for
all Moving to Work demonstration agencies designated
under the authority under such section and this
section:
(i) The waivers granted to each cohort and
whether those waivers accomplish the goals of
achieving greater cost effectiveness and
administrative capacity, incentivizing families
to become economically self-sufficient, and
increasing housing choice.
(ii) The additional flexibilities granted
to individual public housing agencies under
each cohort.
(iii) How the flexibilities described in
clause (ii) were used for local, non-
traditional activities.
(2) Comprehensive reporting requirement.--Not later than
180 days after the date of enactment of this Act, and annually
thereafter, 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
a report that contains the following for each Moving to Work
demonstration cohort under section 204 of the Departments of
Veterans Affairs and Housing and Urban Development, and
Independent Agencies Appropriations Act, 1996 (42 U.S.C. 1437f
note), section 239 of the Department of Housing and Urban
Development Appropriations Act, 2016 (42 U.S.C. 1437f note;
Public Law 114-113), and this section:
(A) The annual administrative plans of each Moving
to Work demonstration public housing agency.
(B) Assessments of longitudinal data, including
data on units, households, and outcomes, which shall be
evaluated to compare changes in the following trends
before and after Moving to Work demonstration
designation:
(i) Impacts on tenants based on the
following, disaggregated by the public housing
program and the housing choice voucher program:
(I) Eviction rates.
(II) Hardship policy usage.
(III) Share of rent covered by a
household.
(IV) Turnover, including the number
of household moves with or without
continued assistance.
(V) Reasons for exit from the
program.
(VI) The number and characteristics
of households served, including
households with a non-elderly family
member with a disability, 3 or more
minors, homelessness status at the time
of admission, and average and median
income as a percent of area median
income.
(ii) Impacts on public housing agency
operations based on the following:
(I) The number of units, broken
down by type.
(II) The size, including the number
of bedrooms per unit, accessibility,
affordability, and quality of units.
(III) The length of each waitlist
maintained and average wait times.
(IV) Changes in capital backlog
needs and surplus fund and reserve
levels.
(V) The number of public housing
units undergoing a conversion under the
rental assistance demonstration program
authorized under the Department of
Housing and Urban Development
Appropriations Act, 2012 (Public Law
112-55; 125 Stat. 673) or demolition or
disposition projects under section 18
of the United States Housing Act of
1937 (42 U.S.C. 1437p), including the
number of units lost and the location
of any replacement housing resulting
from demolition or disposition.
(VI) The share of project-based
vouchers compared to tenant-based
vouchers.
(VII) The following annual housing
choice voucher data:
(aa) Voucher unit
utilization rates.
(bb) Voucher budget
utilization rates.
(cc) Annualized voucher
success rate.
(dd) Demographic
composition of households
issued vouchers compared to
utilized vouchers.
(ee) Average time to lease-
up.
(ff) Average cost per
voucher.
(gg) Average cost per
landlord incentive.
(hh) Ratio of the
proportion of voucher
households living in
concentrated low-income areas
to the proportion of renter-
occupied units in concentrated
low-income areas.
(ii) Characteristics of
census tracts where voucher
recipients reside.
(VIII) How the public housing
agency met each of the statutory
requirements in section 204(c)(3) of
the Departments of Veterans Affairs and
Housing and Urban Development, and
Independent Agencies Appropriations
Act, 1996 (42 U.S.C. 1437f note).
(iii) Impacts on public housing staffing
and capacity, including the average public
housing agency operating, administrative, and
housing assistance payment expenditures per
household per month.
(C) Legislative recommendations for flexibilities
that could be expanded to all public housing agencies
and how each flexibility enhances housing choice,
affordability, and administrative capacity and
efficiency for public housing agencies.
(3) Public availability.--
(A) In general.--The Secretary shall maintain all
reports submitted pursuant to this section in a manner
that is publicly available, accessible, and searchable
on the website of the Department of Housing and Urban
Development for not less than 5 years.
(B) Other information.--
(i) In general.--Annually, the Secretary
shall make the annual plan of the Moving to
Work demonstration, the Section 8
administrative plan, and the admission and
continued occupancy policy publicly available
in 1 location on the website of the Department
of Housing and Urban Development for not less
than 5 years.
(ii) Database.--The Secretary may establish
a searchable database on the website of the
Department of Housing and Urban Development to
track the types of flexibilities into which
Moving to Work demonstration public housing
agencies have opted or for which a waiver was
approved by the Secretary, disaggregated by
year such flexibilities were adopted or
approved.

a631ed510e556743b239247435644603c6a001b75050a7ade63cbdf01505298b

(a) Definitions.--In this section:
(1) Appropriate congressional committees.--The term
``appropriate congressional committees'' means--
(A) the Committee on Banking, Housing, and Urban
Affairs of the Senate; and
(B) the Committee on Financial Services of the
House of Representatives.
(2) At risk of homelessness.--The term ``at risk of
homelessness'' has the meaning given the term in section 401 of
the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11360).
(3) Department.--The term ``Department'' means the
Department of Housing and Urban Development.
(4) Homeless.--The term ``homeless'' has the meaning given
the term in section 103 of the McKinney-Vento Homeless
Assistance Act (42 U.S.C. 11302).
(5) Public housing agency.--The term ``public housing
agency'' has the meaning given the term in section 3(b) of the
United States Housing Act of 1937 (42 U.S.C. 1437a(b)).
(6) Secretary.--The term ``Secretary'', except as otherwise
provided, means the Secretary of Housing and Urban Development.
(b) Administrative Costs for the Emergency Solutions Grants
Program.--Section 418 of the McKinney-Vento Homeless Assistance Act (42
U.S.C. 11378) is amended by striking ``7.5 percent'' and inserting ``10
percent''.
(c) Amendments to the Continuum of Care Program.--
(1) In general.--Subtitle C of title IV of the McKinney-
Vento Homeless Assistance Act (42 U.S.C. 11381 et seq.) is
amended--
(A) in section 402(g) (42 U.S.C. 11360a(g))--
(i) by redesignating paragraph (2) as
paragraph (3); and
(ii) by inserting after paragraph (1) the
following:
``(2) Time limit on designation.--The Secretary--
``(A) shall accept applications for designation as
a unified funding agency annually or biennially, which
designation shall be effective for not more than 2
years; and
``(B) may, on an annual or biennial basis, renew
any designation under subparagraph (A).'';
(B) in section 422 (42 U.S.C. 11382)--
(i) in subsection (b)--
(I) by striking ``The Secretary''
and inserting the following:
``(1) In general.--Except as provided in paragraph (2), the
Secretary''; and
(II) by adding at the end the
following:
``(2) 2-year notification.--Subject to the availability of
appropriations, the Secretary may issue a notification of
funding availability for grants awarded under this subtitle
that provides funding for 2 successive fiscal years, which
shall--
``(A) award funds for the second year of projects,
including adjustments under subsection (f), unless the
project is underperforming, as determined by the
collaborative applicant, and the collaborative
applicant applies to replace the project with a new
project; and
``(B) include--
``(i) the method for applying for and
awarding projects to replace underperforming
projects in year 2;
``(ii) the method for applying for and
awarding renewals of expiring grants for
projects that were not eligible for renewal in
the first fiscal year;
``(iii) the method for allocating any
amounts in the second fiscal year that are in
excess of the amount needed to fund the second
fiscal year of all grants awarded in the first
fiscal year;
``(iv) the method of applying for and
awarding grants, which are 1-year transition
grants awarded by the Secretary to project
sponsors for activities under this subtitle to
transition from 1 eligible activity to another
eligible activity if the recipient--
``(I) has the consent of the
continuum of care; and
``(II) meets standards determined
by the Secretary;
``(C) announce by notice the award of second fiscal
year funding and awards for new and renewal projects;
and
``(D) identify the process by which the Secretary
may approve replacement of a collaborative applicant
that is not a unified funding agency to receive the
award in the second fiscal year.'';
(ii) in subsection (c)(2)--
(I) by striking ``(A) In general.--
Except as provided in subparagraph (B),
the Secretary'' and inserting ``The
Secretary''; and
(II) by striking subparagraph (B);
and
(iii) in subsection (e), by striking ``1
year'' and inserting ``2 years'';
(C) in section 423(a) (42 U.S.C. 11383)--
(i) in paragraph (4), in the third
sentence--
(I) by striking ``, at the
discretion of the applicant and the
project sponsor,''; and
(II) by inserting ``not more than''
before ``15 years'';
(ii) in paragraph (7), in the matter
preceding subparagraph (A), by inserting
``payment of not more than 6 months of arrears
for rent and utility expenses,'' after ``moving
costs,''; and
(iii) in paragraph (10), by striking ``3
percent'' and inserting ``the greater of either
$70,000 or 5 percent'';
(D) in section 425 (42 U.S.C. 11385), by adding at
the end the following:
``(f) Adjustment of Costs.--Not later than 1 year after the date of
enactment of this subsection, and on a biennial basis thereafter, the
Comptroller General of the United States--
``(1) shall study the hiring, retention, and compensation
levels of the workforce providing the services described in
subsection (c), including executive directors, case managers,
and frontline staff, and examine whether low compensation is
undermining program effectiveness;
``(2) shall submit to the appropriate congressional
committees a report on any findings, and to the Secretary any
recommendations, as the Comptroller General considers
appropriate regarding funding levels for the cost of the
supportive services and the staffing to provide the services
described in subsection (c); and
``(3) in carrying out the study under paragraph (1), may
reference the Consumer Price Index or other similar surveys.'';
(E) in section 426 (42 U.S.C. 11386), by adding at
the end the following:
``(h) Inspections.--When complying with inspection requirements for
a housing unit provided to a homeless individual or family using
assistance under this subtitle, the Secretary may allow a grantee to--
``(1) conduct a pre-inspection not more than 60 days before
leasing the unit;
``(2) if the unit is located in a rural or small area,
conduct a remote or video inspection of a unit; and
``(3) allow the unit to be leased prior to completion of an
inspection if the unit passed an alternative Federal inspection
within the preceding 12-month period, so long as the unit is
inspected not later than 15 days after the start of the
lease.''; and
(F) in section 430 (42 U.S.C. 11386d), by adding at
the end the following:
``(d) Costs Paid by Program Income.--With respect to grant amounts
awarded under this subtitle, costs paid by the program income of a
grant recipient may count toward the contributions required under
subsection (a) if the costs--
``(1) are eligible expenses under this subtitle;
``(2) meet standards determined by the Secretary; and
``(3) supplement activities carried out by the recipient
under this subtitle.''.
(2) Other modifications.--
(A) Definitions.--In this paragraph--
(i) the terms ``collaborative applicant''
and ``eligible entity'' have the meanings given
those terms in section 401 of the McKinney-
Vento Homeless Assistance Act (42 U.S.C.
11360); and
(ii) the terms ``Indian tribe'' and
``tribally designated housing entity'' have the
meanings given those terms in section 4 of the
Native American Housing Assistance and Self-
Determination Act of 1996 (25 U.S.C. 4103).
(B) Nonapplication of civil rights laws.--With
respect to the funds made available for the Continuum
of Care program authorized under subtitle C of title IV
of the McKinney-Vento Homeless Assistance Act (42
U.S.C. 11381 et seq.) under the heading ``Homeless
Assistance Grants'' in the Department of Housing and
Urban Development Appropriations Act, 2021 (Public Law
116-260) and under section 231 of the Department of
Housing and Urban Development Appropriations Act, 2020
(42 U.S.C. 11364a), title VI of the Civil Rights Act of
1964 (42 U.S.C. 2000d et seq.) and title VIII of the
Civil Rights Act of 1968 (42 U.S.C. 3601 et seq.) shall
not apply to applications by or awards for projects to
be carried out--
(i) on or off reservation or trust lands
for awards made to Indian tribes or tribally
designated housing entities; or
(ii) on reservation or trust lands for
awards made to eligible entities.
(C) Certification.--With respect to funds made
available for the Continuum of Care program authorized
under subtitle C of title IV of the McKinney-Vento
Homeless Assistance Act (42 U.S.C. 11381 et seq.) under
the heading ``Homeless Assistance Grants'' under
section 231 of the Department of Housing and Urban
Development Appropriations Act, 2020 (42 U.S.C.
11364a)--
(i) applications for projects to be carried
out on reservations or trust land shall contain
a certification of consistency with an approved
Indian housing plan developed under section 102
of the Native American Housing Assistance and
Self-Determination Act (25 U.S.C. 4112),
notwithstanding section 106 of the Cranston-
Gonzalez National Affordable Housing Act (42
U.S.C. 12706) and section 403 of the McKinney-
Vento Homeless Assistance Act (42 U.S.C.
11361);
(ii) Indian tribes and tribally designated
housing entities that are recipients of awards
for projects on reservations or trust land
shall certify that they are following an
approved housing plan developed under section
102 of the Native American Housing Assistance
and Self-Determination Act (25 U.S.C. 4112);
and
(iii) a collaborative applicant for a
Continuum of Care whose geographic area
includes only reservation and trust land is not
required to meet the requirement in section
402(f)(2) of the McKinney-Vento Homeless
Assistance Act (42 U.S.C. 11360a(f)(2)).
(d) Amendments to the Housing Choice Voucher Program.--Section
8(o)(5) of the United States Housing Act of 1937 (42 U.S.C.
1437f(o)(5)) is amended by adding at the end the following:
``(C) Exceptions.--Notwithstanding subparagraph
(A)--
``(i) a public housing agency may accept a
third party income calculation and verification
of family income for purposes of this
subsection if--
``(I) the calculation and
verification was completed for
determination of income eligibility for
a Federal program or service during the
preceding 12-month period; and
``(II) there has been no change in
income or family composition since the
calculation and verification under
clause (i); and
``(ii) when using prior year income under
section 3(a)(7)(B), a public housing agency
shall use the income of the family as
determined by the agency or owner for the prior
calendar year or another 12-month period ending
during the preceding 12 months, taking into
consideration any redetermination of income
between the start of such prior calendar year
or other 12-month period and the date of the
annual review.'';
(e) Improving Coordination Between Health Care Systems and
Supportive Services.--Not later than 180 days after the date of
enactment of this Act, the Secretary of Health and Human Services and
the Secretary shall seek to enter into an agreement with the National
Academies of Sciences, Engineering, and Medicine to conduct and submit
to the appropriate congressional committees an evidence-based,
nonpartisan analysis that--
(1) reviews the research on linkages between access to
affordable health care and homelessness and analyzes the effect
of greater coordination and partnerships between health care
organizations, mental health and substance use disorder and
substance use disorder service providers, and housing service
providers, including possible cost-savings from providing
greater access to health services, recovery housing, or
housing-related supportive services for individuals
experiencing chronic homelessness and other types of
homelessness; and
(2) includes policy and program recommendations for
improving access to health care and housing, health care and
housing outcomes, possible cost-savings and efficiencies, and
best practices.
(f) Demonstration Authority.--
(1) In general.--Subtitle A of title IV of the McKinney-
Vento Homeless Assistance Act (42 U.S.C. 11360 et seq.) is
amended by adding at the end the following:
``SEC. 409. DEMONSTRATION AUTHORITY.
``(a) Definitions.--In this section:
``(1) Appropriate congressional committees.--The term
`appropriate congressional committees' means--
``(A) the Committee on Banking, Housing, and Urban
Affairs of the Senate; and
``(B) the Committee on Financial Services of the
House of Representatives.
``(2) Health care organization.--The term `health care
organization' means an entity providing medical or mental and
behavioral health care, including--
``(A) a hospital (as defined in section 1861(e) of
the Social Security Act (42 U.S.C. 1395x(e)));
``(B) a Federally-qualified health center (as
defined in section 1905(l)(2) of the Social Security
Act (42 U.S.C. 1396d(l)(2))) or another community
health center eligible to receive a grant under section
330 of the Public Health Service Act (42 U.S.C. 254b);
and
``(C) a licensed or certified provider of evidence-
based substance use disorder services or mental health
services providing such services pursuant to funding
under a block grant for substance use prevention,
treatment, and recovery services or a block grant for
community mental health services under subpart II or
subpart I, respectively, of part B of title XIX of the
Public Health Service Act (42 U.S.C. 300x et seq.).
``(3) Housing provider.--The term `housing provider' means
an entity, including a grant recipient under subtitle B or C of
this title, a public housing agency (as defined in section 3 of
the United States Housing Act of 1937 (42 U.S.C. 1437a)), or a
federally funded organization or a nonprofit organization, that
administers a program to provide housing services to
individuals experiencing or at risk of homelessness, including
rapid re-housing, transitional housing, housing choice
vouchers, and housing-related supportive services.
``(b) Authority.--The Secretary may establish demonstration
projects or partnerships that involve collaboration between housing
providers and healthcare organizations to provide housing-related
supportive services, including--
``(1) assistance in coordinating data systems in a manner
that is compliant with the Health Insurance Portability and
Accountability Act (Public Law 104-191); and
``(2) projects or partnerships that are aimed at serving
individuals--
``(A) who are homeless, chronically homeless, or at
risk of homelessness; and
``(B) with--
``(i) a high-use of emergency services or
emergency departments;
``(ii) chronic disabilities, including
physical health or mental health conditions;
``(iii) substance use disorders;
``(iv) serious mental illness; or
``(v) other severe service needs.
``(c) Report.--Not later than 2 years after the date of enactment
of this Act, and every 4 years thereafter, the Secretary shall submit
to the appropriate congressional committees a report on each
demonstration project or partnership established under this section.''.
(2) Technical and conforming amendment.--The table of
contents in section 101(b) of the McKinney-Vento Homeless
Assistance Act (42 U.S.C. 11301 note) is amended by inserting
after the item relating to section 408 the following:
``Sec. 409. Demonstration authority.''.
(g) Streamlining Coordinated Entry.--
(1) Audit by the comptroller general.--Not later than 1
year after the date of enactment of this Act, the Comptroller
General of the United States shall--
(A) conduct a multi-community evaluation of the
operations of coordinated assessment systems by the
Continuum of Care Program under subtitle C of title IV
of the McKinney-Vento Homeless Assistance Act (42
U.S.C. 11381 et seq.) program to examine the
efficiency, accuracy, and outcomes of those operations;
and
(B) submit to the appropriate congressional
committees on any findings and to the Secretary on any
recommendations, as the Comptroller General considers
appropriate, for a more effective and efficient
coordinated entry process.
(2) Assessments.--Not later than 2 years after the date of
enactment of this Act, the Secretary shall--
(A) evaluate the coordinated assessment processes
under the Continuum of Care Program under subtitle C of
title IV of the McKinney-Vento Homeless Assistance Act
(42 U.S.C. 11381 et seq.), which shall include--
(i) a request for information from
continuums of care about coordinated entry
tools, processes, barriers, documentation
barriers, and necessary guidance;
(ii) incorporation of findings from
relevant reports and demonstrations of the
Department, including the report described in
paragraph (1); and
(iii) consultation with organizations with
expertise in providing health care to people
experiencing homelessness on best practices in
assessment tools for prioritizing resources and
characterizing chronic homelessness and people
experiencing homelessness with high-service
needs;
(B) issue an updated notice, which shall include
guidance--
(i) on effective assessment processes that
remove barriers, streamline access, allow for
coordination with public housing agencies,
include trauma-informed data collection
practices, improve accuracy, address needs for
underserved groups, and successfully rehouse
homeless individuals;
(ii) that includes all key populations and
subpopulations, including consideration for
age, family status, health status, or other
factors, access points, prioritization, and
programs and systems serving individuals
experiencing homelessness; and
(iii) that allows for local flexibility and
tailoring based on the needs and resources
within the specific community; and
(C) establish a timely, periodic procedure to
request feedback on coordinated assessment and update
the guidance, which may include conducting a request
for information not less frequently than once every 5
years.
(h) Improving Targeted Data Collection, Funding, and
Coordination.--The Secretary shall--
(1) issue not less than 1 request for information on--
(A) improving data collection, including through
the use of the Homeless Management Information System
or other data systems;
(B) coordination and use of data between housing
and homelessness providers and physical, mental, and
behavioral health organizations, substance use
treatment providers, and the Department of Veterans
Affairs for implementation of programs to provide
services for people experiencing or at risk of
homelessness, including the chronically homeless; and
(C) the potential benefits and risks of using
artificial intelligence models for the purpose of
improving program coordination and effectiveness and
assessing the effectiveness of interventions to house
individuals experiencing or at risk of homelessness,
including by sub-populations;
(2) consider providing incentives to improve data
collection, enhance the use of the Homeless Management
Information System, implement community information exchanges,
and strengthen the coordination of data from physical, mental,
and behavioral health organizations with housing and
homelessness providers, in order to target resources for
housing, outreach, homelessness prevention, and housing-related
supportive services for homeless individuals, or chronically
homeless individuals; and
(3) coordinate with the Secretary of the Department of
Veterans Affairs to improve coordination between data systems
for vouchers provided under section 8(o)(19) of the United
States Housing Act of 1937 (42 U.S.C. 1437f(o)(19)), the
Homeless Management Information System, and any other
applicable homeless program supported by the Department of
Veterans Affairs.
(i) Rule of Construction.-- Nothing in this section or the
amendments made by this section shall be construed to limit the
authority of the Secretary to provide flexibility under housing laws in
effect as of the date of enactment of this Act. The flexibilities and
waivers authorized under this section and the amendments made by this
section shall not replace or result in the termination of other
flexibilities and waivers that the Secretary is authorized to exercise.

77898566d826553262e863b0697b9c6d0ba134e5716cc4c5b92f2d73309cbaad

Section 414 of the McKinney-Vento Homeless Assistance Act (42
U.S.C. 11373) is amended by adding at the end the following:
``(f) Funding Cap Waiver Authority.--
``(1) In general.--Notwithstanding any other provision of
law or regulation, a recipient may request a waiver of the
spending cap established pursuant to section 415(b) for amounts
provided between fiscal years 2026 through 2029.
``(2) Waiver request.--
``(A) In general.--A recipient seeking a waiver
described in paragraph (1) shall submit to the
Secretary a waiver request that includes not more than
the following:
``(i) A demonstration of local needs and
circumstances that necessitate a waiver.
``(ii) A detailed plan for how the
recipient intends to use funds.
``(iii) A justification for how the
proposed use of funds supports the most recent
Consolidated Annual Performance and Evaluation
Report of the recipient.
``(iv) Any public input solicited under
subparagraph (B)(ii).
``(B) Notification.--Each recipient shall--
``(i) notify all subrecipients, including
local continuums of care, of the availability
of waivers under this subsection; and
``(ii) prior to the submission of a waiver
request under subparagraph (A)), solicit public
input regarding the potential need for and
proposed uses of such waiver.
``(C) Approval; publication.--The Secretary shall--
``(i) make all waiver requests submitted
under subparagraph (A) publicly available on
the website of the Department of Housing and
Urban Development;
``(ii) not later than 60 days after the
date on which the Secretary receives a waiver
request under subparagraph (A), approve or deny
the request; and
``(iii) deny any waiver submitted under
subparagraph (A) by a recipient that relocates
or threaten to relocates individuals or their
property without providing emergency shelter,
rapid rehousing, transitional housing,
permanent supportive housing, or other
permanent housing options.
``(3) Revocation.--
``(A) In general.--A waiver approved under this
subsection shall remain in effect for each of fiscal
years 2026 through 2029 unless the recipient notifies
the Secretary in writing that the recipient wishes to
revoke the waiver.
``(B) Notification.--If a recipient revokes a
waiver under subparagraph (A), the recipient shall
solicit input from subrecipients regarding the
revocation and provide a justification for the
revocation.
``(C) Publication.--The Secretary shall publish any
revocation of a waiver under subparagraph (A) and the
justification of the recipient for the waiver on the
website of the Department of Housing and Urban
Development.''.

ab751a57b938721279ce5c0c0d4e341a80577442f6c4ce81cd26f30a416b8454

(a) In General.--Subpart A of part 2 of the Federal Housing
Enterprises Financial Safety and Soundness Act of 1992 (12 U.S.C. 4541
et seq.) is amended by adding at the end the following:
``SEC. 1329. UNIFORM RESIDENTIAL LOAN APPLICATION.
``Not later than 6 months after the date of enactment of this
section, the Director shall, by regulation or order, require each
enterprise to include a disclaimer below the military service question
on the form known as the Uniform Residential Loan Application stating,
`If yes, you may qualify for a VA Home Loan. Consult your lender
regarding eligibility.'.''.
(b) GAO Study.--Not later than 18 months after the date of
enactment of this Act, the Comptroller General of the United States
shall conduct a study and submit to Congress a report on whether not
less than 80 percent of lenders using the Uniform Residential Loan
Application have included on that form the disclaimer required under
section 1329 of the Federal Housing Enterprises Financial Safety and
Soundness Act of 1992, as added by subsection (a).

d0f360ce06f545d673e1020f59cdb09738f02ab68f5ef8fb1b1c58f02195c163

TITLE VI

-VETERANS AND HOUSING

(a) FHA Informed Consumer Choice Disclosure.--
(1) Inclusion of information relating to va loans.--
Subparagraph (A) of section 203(f)(2) of the National Housing
Act (12 U.S.C. 1709(f)(2)(A)) is amended--
(A) by inserting ``(i)'' after ``loan-to-value
ratio''; and
(B) by inserting before the semicolon the
following: ``, and (ii) in connection with a loan
guaranteed or insured under chapter 37 of title 38,
United States Code, assuming prevailing interest
rates''.
(2) Rule of construction.--Nothing in the amendments made
by paragraph (1) shall be construed to require an original
lender to determine whether a prospective borrower is eligible
for any loan included in the notice required under section
203(f) of the National Housing Act (12 U.S.C. 1709(f)).
(b) Military Service Question.--
(1) In general.--Subpart A of part 2 of subtitle A of the
Federal Housing Enterprises Financial Safety and Soundness Act
of 1992 (12 U.S.C. 4541 et seq.), as amended by section 601(a)
of this Act, is amended by adding at the end the following:
``SEC. 1330. UNIFORM RESIDENTIAL LOAN APPLICATION.
``Not later than 6 months after the date of enactment of this
section, the Director shall require each enterprise to--
``(1) include a military service question on the form known
as the Uniform Residential Loan Application; and
``(2) position the question described in paragraph (1)
above the signature line of the Uniform Residential Loan
Application.''.
(2) Rulemaking.--Not later than 6 months after the date of
enactment of this Act, the Director of the Federal Housing
Finance Agency shall issue a rule to carry out the amendment
made by this section.

bf4cafc6a731bc6e41af4ace7b71d48adeb811594f476ac5f3b0da2cf5f8dac7

(a) Exclusion of Certain Disability Benefits.--Section 3(b)(4)(B)
of the United States Housing Act of 1937 (42 U.S.C. 1437a(b)(4)(B)) is
amended--
(1) by redesignating clauses (iv) and (v) as clauses (vi)
and (vii), respectively; and
(2) by inserting after clause (iii) the following:
``(iv) for the purpose of determining
income eligibility with respect to the
supported housing program under section
8(o)(19), any disability benefits received
under chapter 11 or chapter 15 of title 38,
United States Code, received by a veteran,
except that this exclusion shall not apply to
the income in the definition of adjusted
income;
``(v) for the purpose of determining income
eligibility with respect to any household
receiving rental assistance under the supported
housing program under section 8(o)(19) as it
relates to eligibility for other types of
housing assistance, any disability benefits
received under chapter 11 or chapter 15 of
title 38, United States Code, received by a
veteran, except that this exclusion shall not
apply to income in the definition of adjusted
income;''.
(b) Treatment of Certain Disability Benefits.--
(1) In general.--When determining the eligibility of a
veteran to rent a residential dwelling unit constructed on
Department property on or after the date of the enactment of
this Act, for which assistance is provided as part of a housing
assistance program administered by the Secretary, the Secretary
shall exclude from income any disability benefits received
under chapter 11 or chapter 15 of title 38, United States Code
by such person.
(2) Definitions.--In this subsection:
(A) Secretary.--The term ``Secretary'' means the
Secretary of Housing and Urban Development.
(B) Department property.--The term ``Department
property'' has the meaning given the term in section
901 of title 38, United States Code.

d785016d4108747b9a802496f517c6891e73186fc0467de1f7778b3aedaecd61

REGULATORS.
(a) HUD Programs.--The Department of Housing and Urban Development
Act (42 U.S.C. 3531 et seq.) is amended by adding at the end the
following:
``SEC. 15. ANNUAL TESTIMONY.
``The Secretary shall, on an annual basis, testify before the
Committee on Banking, Housing, and Urban Affairs of the Senate and the
Committee on Financial Services of the House of Representatives on the
status of all programs carried out by the Department, at the request of
the relevant committee.''.
(b) Government Guaranteed or Insured Mortgages.--On an annual
basis, the following individuals shall testify before the appropriate
committees of Congress with respect to mortgage loans made, guaranteed,
or insured by the Federal Government:
(1) The President of the Government National Mortgage
Association.
(2) The Federal Housing Commissioner.
(3) The Administrator of the Rural Housing Service.
(4) The Executive Director of the Loan Guaranty Service of
the Department of Veterans Affairs.
(5) The Director of the Federal Housing Finance Agency.
(c) Mortgagee Review Board.--Section 202(c)(8) of the National
Housing Act (12 U.S.C. 1708(c)(8)) is amended--
(1) by striking ``, in consultation with the Federal
Housing Administration Advisory Board,''; and
(2) by inserting ``and to Congress'' after ``the
Secretary''.

0c98a7fb8f10954c734c9f94f5626e94466599e6993075227ea4040be98737ec

(a) Monthly Reporting on Mutual Mortgage Insurance Fund Capital
Ratio.--Section 202(a) of the National Housing Act (12 U.S.C. 1708(a))
is amended by adding at the end the following:
``(8) Other required reporting.--The Secretary shall--
``(A) submit to Congress monthly reports on the
capital ratio required under section 205(f)(2); and
``(B) notify Congress as soon as practicable after
the Fund falls below the capital ratio required under
section 205(f)(2).''.
(b) Annual Independent Actuarial Study.--Section 202(a)(4) of the
National Housing Act (12 U.S.C. 1708(a)(4)) is amended--
(1) by striking ``The Secretary'' and inserting the
following:
``(A) Definition.--In this paragraph, the term
`first-time homebuyer' means a borrower for whom no
consumer report (as defined in section 603 of the Fair
Credit Reporting Act (15 U.S.C. 1681a)) indicates that
the borrower has or had a loan with a consumer purpose
that is secured by a 1- to 4-unit residential real
property.
``(B) Study and report.--The Secretary''; and
(2) in subparagraph (B), as so designated, by striking
``also'' and inserting ``detail how many loans were originated
in each census tract to first-time homebuyers, as well as''.
(c) Annual Report.--Section 203(w)(2) of the National Housing Act
(12 U.S.C. 1709(w)(2)) is amended by inserting ``and first-time
homebuyers (as defined in section 202(a)(4)(A))'' after ``minority
borrowers''.
(d) GAO Study on Sustainable Homeownership.--Not later than 180
days after the date of enactment of this Act, the Comptroller General
of the United States shall conduct a study and submit to Congress a
report on--
(1) the value for the Federal Housing Administration of
defining what is sustainable homeownership in a way that
considers borrower default, refinancing of a mortgage that is
not insured by the Federal Housing Administration, the
Department of Veterans Affairs, or Rural Housing Service,
paying off a mortgage loan and transitioning back to renting,
and other factors that demonstrate whether insurance provided
under title II of the National Housing Act (12 U.S.C. 1707 et
seq.) has successfully served a borrower, including for first-
time homebuyers for whom no consumer report (as defined in
section 603 of the Fair Credit Reporting Act (15 U.S.C. 1681a))
indicates that the borrower has or had a loan with a consumer
purpose that is secured by a 1- to 4-unit residential real
property; and
(2) the feasibility of the Federal Housing Administration
developing a scorecard using the metrics described in paragraph
(1) to measure borrower performance and reporting the scorecard
data to Congress.

f14eb51157b32175fa3ad19a277102cb916163cbe17c1f077b682d1fa2fd41ef

Section 203(a) of the McKinney-Vento Homeless Assistance Act (42
U.S.C. 11313(a)) is amended--
(1) in paragraph (1)--
(A) by striking ``Homeless Emergency Assistance and
Rapid Transition to Housing Act of 2009'' and inserting
``Renewing Opportunity in the American Dream to Housing
Act''; and
(B) by striking ``update such plan annually'' and
inserting the following: "submit to the President and
Congress a report every year thereafter that includes--
``
``(A) the status of completion of the plan; and
``(B) any modifications that were made to the plan
and the reasons for those modifications;'';
(2) by redesignating paragraphs (10) through (13) as
paragraphs (11) through (14), respectively;
(3) by redesignating the second paragraph (9) (relating to
collecting and disseminating information) as paragraph (10);
(4) in paragraph (13), as so redesignated, by striking
``and'' at the end;
(5) in paragraph (14), as so redesignated, by striking the
period at the end and inserting ``; and
(6) by adding at the end the following:
``(15) testify annually before Congress.''.

019134ad5c8bc95cb39bae2f388a0c8cd2a14776ef5d8a9b605b737873605f7a

(a) In General.--Section 415(a)(1)(A) of title 5, United States
Code, is amended by inserting ``the Neighborhood Reinvestment
Corporation,'' after ``the Postal Regulatory Commission,''.
(b) Duties and Audits.--The Neighborhood Reinvestment Corporation
Act (42 U.S.C. 8101 et seq.) is amended--
(1) in section 606 (42 U.S.C. 8105), by adding at the end
the following:
``(e)(1) There is authorized to be appropriated to the Office of
Inspector General of the corporation established under section 415 of
title 5, United States Code, such sums as may be necessary to carry out
this Act.
``(2) There shall not be transferred to the Office of Inspector
General of the corporation any program operating responsibilities of
the corporation, including the organizational assessments work and
grantee oversight function of the corporation.''.
(c) Independent Audit.--Section 607 of the Neighborhood
Reinvestment Corporation Act (42 U.S.C. 8106) is amended by striking
subsection (b) and inserting following:
``(b)(1) The accounts of the corporation shall be audited annually
by an independent external auditor.
``(2) Notwithstanding any other audit work performed by the Office
of Inspector General of the corporation, the audits required under
paragraph (1) shall be conducted in accordance with generally accepted
auditing standards by independent certified public accountants who are
certified by a regulatory authority of the jurisdiction in which the
audit is undertaken.''.

f46bdff593e146fc53f414ad712d050362920f0e315c4aa966d554c4521a7ff0

(a) Reconsideration of Value.--
(1) In general.--Section 129E of the Truth In Lending Act
(15 U.S.C. 1639e) is amended--
(A) by redesignating subsections (j) and (k) as
subsections (k) and (l), respectively; and
(B) by inserting after subsection (i) the
following:
``(j) Consumer Right to Reconsideration of Value or Subsequent
Appraisal.--
``(1) Definitions.--In this section:
``(A) Unacceptable appraisal practice.--The term
`unacceptable appraisal practice' means an appraisal
report that--
``(i) uses unsupported or subjective terms
to assess or rate the property without
providing a foundation for analysis and
contextual information;
``(ii) uses inaccurate or incomplete data
about the subject property, the neighborhood,
the market area, or any comparable property;
``(iii) includes references, statements or
comparisons about crime rates or crime
statistics, whether objective or subjective;
``(iv) relies in the appraisal analysis on
comparable properties that were not personally
inspected by the appraiser when required by the
appraisal's scope of work;
``(v) relies in the appraisal analysis on
inappropriate comparable properties;
``(vi) fails to use comparable properties
that are more similar, or nearer, to the
subject property without adequate explanation;
``(vii) uses comparable property data
provided by any interested party to the
transaction without verification by a
disinterested party;
``(viii) uses inappropriate adjustments for
differences between the subject property and
the comparable properties that do not reflect
the market's reaction to such differences; or
``(ix) fails to make proper adjustments,
including time adjustments for differences
between the subject property and the comparable
properties when necessary.
``(B) Unsupported.--The term `unsupported' means,
with respect to an appraisal report or an appraiser's
opinion of value, that the appraisal report or the
opinion of value is not supported by relevant evidence
and logic.
``(2) Review.--In connection with a consumer credit
transaction secured by a consumer's principal dwelling, a
creditor shall have a review and resolution procedure for a
consumer-initiated reconsideration of value or subsequent
appraisal that complies with the following requirements:
``(A) The creditor shall complete its own appraisal
review before delivering the appraisal to the consumer.
``(B) The creditor shall have policies and
procedures that provide the consumer with a process to
submit 1 request for a reconsideration of value and
subsequent appraisal prior to the loan closing or
within 60 calendar days of denial of a credit
application if the consumer believes the appraisal
report may be unsupported, may be deficient due to an
unacceptable appraisal practice, or may reflect
discrimination.
``(C) At the time of application and upon delivery
of the appraisal report to the consumer, the creditor
shall provide a written disclosure to the consumer
describing the process for requesting a reconsideration
of value or subsequent appraisal, which written
disclosure shall include a standardized format for the
consumer to submit the request for a reconsideration of
value, including--
``(i) the name of the borrower;
``(ii) the property address;
``(iii) the effective date of the
appraisal;
``(iv) the appraiser's name;
``(v) the date of the request;
``(vi) a description of why the consumer
believes the appraisal report may be
unsupported, may be deficient due to an
unacceptable appraisal practice, or may reflect
discrimination;
``(vii) any additional information, data,
including not more than 5 alternative
comparable properties and the related data
sources that the consumer would like the
appraiser to consider; and
``(viii) an explanation of why the new
information, data, or comparable properties
support the reconsideration of value.
``(D) The creditor shall obtain the necessary
information from the consumer if the consumer's request
for reconsideration of value or subsequent appraisal is
unclear or requires more information.
``(E) The creditor shall have a standardized format
to communicate the reconsideration of value to the
appraiser, which format shall include--
``(i) the name of the borrower;
``(ii) the property address;
``(iii) the effective date of the
appraisal;
``(iv) the appraiser's name;
``(v) the date of the request;
``(vi) a description of any area of the
appraisal report that may be unsupported, may
be deficient due to an unacceptable appraisal
practice, or may reflect discrimination;
``(vii) any additional information, data,
including not more than 5 alternative
comparable properties and the related data
sources that the consumer would like the
appraiser to consider;
``(viii) an explanation of why the new
information, data, or comparable properties
support the reconsideration of value;
``(ix) a definition of turn-time
expectations for the appraiser to communicate
the reconsideration of value results back to
the creditor;
``(x) instructions for delivering the
reconsideration of value response as part of a
revised appraisal report that includes
commentary on conclusions regardless of the
outcome; and
``(xi) a reference for appraisers on how to
correct minor appraisal issues or non-material
errors not related to the reconsideration of
value process.
``(3) Subsequent appraisal and referral.--
``(A) In general.--If the creditor identifies
material deficiencies in the appraisal report that are
not corrected or addressed by the appraiser upon
request of the creditor, including through a consumer-
initiated reconsideration of value, or if there is
evidence of unsupported or unacceptable appraisal
practices, the creditor shall--
``(i) at the request of the consumer, order
a subsequent appraisal at the creditor's own
expense; and
``(ii) forward the appraisal report and the
creditor's summary of findings to the
appropriate appraisal licensing agency or
regulatory board.
``(B) Discrimination.--If the creditor has reason
to believe that an appraisal report reflects
discrimination, the creditor shall--
``(i) order a subsequent appraisal, at the
creditor's own expense;
``(ii) forward the appraisal report and the
creditor's summary of findings to the
appropriate local, State, or Federal
enforcement agency; and
``(iii) upon a final determination of
discrimination by the appropriate local, State,
or Federal enforcement agency, receive a
reimbursement from the appraiser covering the
cost of the subsequent appraisal ordered by the
creditor.
``(C) Definition.--
``(i) In general.--Except as provided in
clause (ii), in this paragraph, the term
`reason to believe' means that the creditor has
reviewed the applicable law and available
evidence and determined that a potential
violation of Federal or state
antidiscrimination law exists. The available
evidence may include the appraisal report, loan
files, written communications, credible
observations by persons with direct knowledge,
statistical analysis, and the appraiser's
response to the request for a reconsideration
of value.
``(ii) Exception.--The term `reason to
believe' does not mean that there is a final
legal determination of discrimination.
``(4) Document retention.--The creditor shall retain all
documentation and written communications related to the request
for reconsideration of value or subsequent appraisal in the
loan file during the 7-year period beginning on the date on
which the consumer submitted the credit application.
``(5) Rule of construction.--This subsection is consistent
with the exceptions to the appraiser independence requirements
found in subsection (c). Nothing in this subsection shall be
construed to require a creditor to submit a reconsideration of
value to the original appraiser before ordering a subsequent
appraisal from a subsequent appraiser.''.
(2) Rules and interpretative guidelines.--Section 129E(g)
of the Truth in Lending Act (15 U.S.C. 1639e(g)) is amended--
(A) in paragraph (1), by striking ``paragraph (2),
the Board'' and inserting ``paragraphs (2) and (3), the
Bureau''; and
(B) by adding at the end the following:
``(3) Final rule.--Not later than 1 year after the date of
enactment of this paragraph, the Federal Housing Finance Agency
shall issue a final rule after notice and comment and issue
such guidance as may be necessary to carry out and enforce
subsection (j).''.
(b) Public Appraisal Database.----
(1) Covered agencies defined.--The term ``covered
agencies'' means--
(A) the Federal Housing Finance Agency, on behalf
of the Federal National Mortgage Association and the
Federal Home Loan Mortgage Corporation;
(B) the Department of Housing and Urban
Development, including the Federal Housing
Administration;
(C) the Department of Agriculture; and
(D) the Department of Veterans Affairs.
(2) Feasibility report.--No later than 240 days after the
date of enactment of this Act, the Comptroller General of the
United States shall issue a public report to Congress assessing
the feasibility of creating a publicly available appraisal
database that consists of a searchable and downloadable
appraisal-level public use file that consolidates appraisal
data held or aggregated by covered agencies, which shall
include--
(A) the costs and benefits associated with
establishing and maintaining the public database;
(B) the benefits and risks associated with either
the Federal Housing Finance Agency or the Bureau of
Consumer Financial Protection being responsible for the
public database and whether there is another Federal
agency best suited for implementing and administering
such database;
(C) any safety and soundness, antitrust, or
consumer privacy-related risks associated with making
certain appraisal data factors publicly available,
including whether-
(i) there are any existing legal
requirements, including under the Home Mortgage
Disclosure Act of 1974 (12 U.S.C. 2801 et seq.)
and section 552 of title 5, United States Code
(commonly known as the ``Freedom of Information
Act''), or additional actions Federal agencies
could take to mitigate such risks, such as
modifying or aggregating data, or eliminating
personally identifiable information; and
(ii) there are any data factors that, if
made public, may violate conduct, ethics, or
other professional standards as they relate to
appraisals and appraisal or valuation
professionals;
(D) the feasibility of consolidating or matching
appraisal data held by covered agencies with
corresponding data that is required and made public
under the Home Mortgage Disclosure Act of 1974 (12
U.S.C. 2801 et seq.);
(E) whether the publication of any appraisal data
factors may pose unfair business advantages within the
valuation industry;
(F) the feasibility of including all valuation data
held by covered agencies, including data produced by
automated valuation models;
(G) the feasibility and benefits of making the full
appraisal dataset, including any modified fields,
available to--
(i) Federal agencies, including for
purposes related to enforcement and supervision
responsibilities;
(ii) relevant State licensing, supervision,
and enforcement agencies and State attorneys
general;
(iii) approved researchers, including
academics and nonprofit organizations that, in
connection with their mission, work to ensure
the fairness and consistency of home
valuations, including appraisals; and
(iv) any other entities identified by the
Comptroller General as having a compelling use
for disaggregated data;
(H) what appraisal data is already available in the
public domain; and
(I) the feasibility of incorporating legacy data
held by covered agencies during the period beginning on
January 1, 2017 and ending on the date of enactment of
this Act, and whether there are specific data points
not easily consolidated or matched, as described in
subparagraph (D), with more recent data.
(3) Purpose.--The database described in paragraph (2) shall
be used to provide the public, the Federal Government, and
State governments with residential real estate appraisal data
to help determine whether financial institutions, appraisal
management companies, appraisers, valuation technologies, such
as automated valuation models, and other valuation
professionals are serving the housing market in a manner that
is efficient and consistent for all mortgage loan applicants,
borrowers, and communities.
(4) Consultation.--As part of the information used in the
report required under paragraph (2), the Comptroller General of
the United States shall conduct interviews with--
(A) relevant Federal agencies;
(B) relevant State licensing, supervision, and
enforcement agencies and State attorneys general;
(C) appraisers and other home valuation industry
professionals;
(D) mortgage lending institutions;
(E) fair housing and fair lending experts; and
(F) any other relevant stakeholders as determined
by the Comptroller General.
(5) Hearing.--Upon the completion of the report under
paragraph (2), the Committee on Banking, Housing, and Urban
Affairs of the Senate and the Committee on Financial Services
of the House of Representatives shall each hold a hearing on
the findings of the report and the feasibility of establishing
a public appraisal-level appraisal database.

a40c19ff848bd5321c7b73fce79c306dcff261ef6a71d6eb3eb538a8f81fc974

(a) Memorandum of Understanding.--The Secretary of Housing and
Urban Development, the Secretary of Agriculture, and the Secretary of
Veterans Affairs shall establish a memorandum of understanding, or
other appropriate interagency agreement, to share relevant housing-
related research and market data that facilitates evidence-based
policymaking.
(b) Interagency Report.--
(1) Report.--Not later than 180 days after the date of
enactment of this Act, the Secretary of Housing and Urban
Development, the Secretary of Agriculture, and the Secretary of
Veterans Affairs shall jointly submit to the Committee on
Banking, Housing, and Urban Affairs of the Senate and the
Committee on Finance of the House of Representatives a report
containing--
(A) a description of opportunities for increased
collaboration between the Secretary of Housing and
Urban Development, the Secretary of Agriculture, and
the Secretary of Veterans Affairs to reduce
inefficiencies in housing programs;
(B) a list of Federal laws and regulations that
adversely affect the availability and affordability of
new construction of assisted housing and single family
and multifamily residential housing subject to
mortgages insured under title II of the National
Housing Act (12 U.S.C. 1707 et seq.), insured,
guaranteed, or made by the Secretary of Agriculture
under title V of the Housing Act of 1949 (42 U.S.C.
1471 et seq.), or insured, guaranteed, or made by the
Secretary of Veterans Affairs under chapter 37 of title
38, United States Code; and
(C) recommendations for Congress regarding the
Federal laws and regulations described in subparagraph
(B).
(2) Publication.--The report required under paragraph (1)
shall, prior to submission under that subsection, be published
in the Federal Register and open for comment for a period of 30
days.

e2c1b6b4ca7343a7d7c106918438fe3a666015343cf931b27d35bd2d7d7f949e

(a) In General.--Not later than 180 days after the date of
enactment of this Act, the Secretary of Housing and Urban Development
and the Secretary of Agriculture shall enter into a memorandum of
understanding to--
(1) evaluate categorical exclusions under the environmental
review process for housing projects funded by amounts from the
Department of the Housing and Urban Development and the
Department of Agriculture;
(2) develop a process to designate a lead agency and
streamline adoption of Environmental Impact Statements and
Environmental Assessments approved by the other Department to
construct housing projects funded by both agencies;
(3) maintain compliance with environmental regulations
under part 58 of title 24, Code of Federal Regulations, as in
effect on January 1, 2025, except as required to amend, add, or
remove categorical exclusions identified under sections 58.35
of title 24, Code of Federal Regulations, through standard
rulemaking procedures; and
(4) evaluate the feasibility of a joint physical inspection
process for housing projects funded by amounts from the
Department of the Housing and Urban Development and the
Department of Agriculture.
(b) Advisory Working Group.--
(1) In general.--Not later than 180 days after the date of
enactment of this Act, the Secretary of Housing and Urban
Development and the Secretary of Agriculture shall establish an
advisory working group for the purpose of consulting on the
memorandum of understanding entered into under subsection (a).
(2) Members.--The advisory working group established under
paragraph (1) shall consist of representatives of--
(A) affordable housing nonprofit organizations;
(B) State housing agencies;
(C) nonprofit and for-profit home builders and
housing developers;
(D) property management companies;
(E) public housing agencies;
(F) residents in housing assisted by the Department
of Housing and Urban Development or the Department of
Agriculture and representatives of those residents; and
(G) housing contract administrators.
(c) Report.--Not later than 1 year after the date of enactment of
this Act, the Secretary of Housing and Urban Development and the
Secretary of Agriculture 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 includes
recommendations for legislative, regulatory, or administrative
actions--
(1) to improve the efficiency and effectiveness of housing
projects funded by amounts from the Department of the Housing
and Urban Development and the Department of Agriculture; and
(2) that do not materially, with respect to residents of
housing projects described in paragraph (1)--
(A) reduce the safety of those residents;
(B) shift long-term costs onto those residents; or
(C) undermine the environmental standards of those
residents.

c8c5c56bbfa3ed2118dc9e7b4d5fe4bcd97e77823f1bb6cb179a7577379164e5

HOUSING.
(a) In General.--
(1) Study.--Subject to subsection (b), the Secretary of
Housing and Urban Development shall conduct a study on the
implementation of work requirements implemented prior to the
date of enactment of this Act by public housing agencies
described in paragraph (4) participating in the Moving to Work
demonstration authorized under section 204 of the Departments
of Veterans Affairs and Housing and Urban Development, and
Independent Agencies Appropriations Act, 1996 (42 U.S.C. 1437f
note).
(2) Scope.--The study required under paragraph (1) shall--
(A) consider the short-, medium-, and long-term
benefits and challenges of work requirements on public
housing agencies described in paragraph (4) and on
program participants who are subject to such
requirements, including the effects work requirements
have on homelessness rates, poverty rates, asset
building, earnings growth, job attainment and
retention, and public housing agencies' administrative
capacity; and
(B) include quantitative and qualitative evidence,
including interviews with program participants
described in subparagraph (A) and their respective
resident councils.
(3) Report.--Not later than 180 days after the date of
enactment of this Act, the Secretary shall report the initial
findings of the study required under paragraph (1) to the
Committee on Banking, Housing, and Urban Affairs of the Senate
and the Committee on Financial Services of the House of
Representatives.
(4) Public housing agencies described.--The public housing
agencies described in this paragraph are public housing
agencies that, as part of an application to participate in the
program under section 204 of the Departments of Veterans
Affairs and Housing and Urban Development, and Independent
Agencies Appropriations Act, 1996 (42 U.S.C. 1437f note),
submit a proposal identifying work requirements as an
innovative proposal.
(b) Determination.--The requirement under subsection (a) shall
apply if the Secretary of Housing and Urban Development determines
that--
(1) there are a sufficient number of public housing
agencies described in subsection (a)(4) such that the Secretary
of Housing and Urban Development can rigorously evaluate the
impact of the implementation of work requirements described in
that subsection; and
(2) the study would not negatively impact low-income
families receiving assistance through a public housing agency
described in subsection (a)(4).
Calendar No. 143
119th CONGRESS
1st Session
S. 2651
_______________________________________________________________________
A BILL
To increase the supply of affordable housing in America.
_______________________________________________________________________
August 1, 2025
Read twice and placed on the calendar

8525579c27eed097e20d629a689f0c7a7fa0db99b976965d0a00114ab6e275a8

S. 2651 — ROAD to Housing Act of 2025

Other Sections