Zachary Nunn (R-IA)
Rural Housing Service Reform Act of 2025
A Republican bill with 6 Democratic cosponsors · See all 12 cosponsors
Last activity — Referred to the Committee on Financial Services, and in addition to the Committee on Agriculture, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
The Rural Housing Service Reform Act of 2025 aims to reform and update rural housing programs. The bill includes provisions to streamline mortgage foreclosure procedures and preserve rental assistance contracts. It establishes a permanent housing preservation and revitalization program for multifamily rental housing. Additionally, the act modifies loans and grants for farm housing and creates a rural community development initiative. The legislation also updates rural housing voucher amounts and eligibility requirements. Finally, it seeks to modernize technology and staffing within the Rural Housing Service.
Yes· 3 of 31
- Scored +9
Would households on low incomes be better off under this?
Directly targets very low-income applicants for housing grants and preserves affordable rental units.
- Scored +9
Would people in rural areas be better off under this?
The entire bill is dedicated to improving housing, funding, and community development in rural areas.
- Scored +9
Does this make housing cost less?
Establishes permanent programs for preserving multifamily rental housing and expands rural housing vouchers.
The opposite
- Scored -2
Does this reduce what the federal government spends?
The bill increases spending for staffing, technology updates, and community grants.
- Scored -1
Does this reduce what the federal government owes?
The bill authorizes additional appropriations for staffing and IT upgrades.
Who it would affect, and how
Potential Positive Impacts for People
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Preservation of Rental Assistance: The bill aims to maintain rental assistance payments attached to dwelling units during the mortgage foreclosure process (Section 101(b)).
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Housing Preservation and Revitalization: A new program is established to help preserve multifamily rental housing through loan restructuring, such as reducing interest or deferring payments (Section 201(c)).
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Tenant Protections: Property owners will be required to provide annual written notice to tenants regarding loan maturity and how to protect their right to reside in the housing (Section 201(b)).
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Increased Support for Farm Housing: The bill increases the amount of funds available for loans and grants for minor improvements to farm housing and buildings (Section 301).
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Community Development Grants: The creation of a Rural Community Development Initiative allows for grants to help develop housing, community facilities, and economic projects in rural areas (Section 401).
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Voucher Adjustments: The bill allows for the adjustment of rural development voucher amounts based on interim or annual reviews for changes in income or family composition (Section 601).
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Liability Relief for Borrowers: Original borrowers of Section 502 guaranteed loans will be relieved of liability upon the assumption of the loan by a new borrower (Section 802).
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Support for Home-Based Child Care: The bill excludes licensed, registered, or regulated child care providers from certain Department of Agriculture loan restrictions (Section 803).
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Accessory Dwelling Unit Opportunities: Loan guarantees are expanded to include accessory dwelling units, and rental income from these units can be used to qualify for loans (Section 901).
Potential Negative Impacts for People
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Loan Maturity Risks: Tenants are notified that their housing may face changes or issues upon the maturity of a loan (Section 201(b)).
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Income Restrictions: The bill requires annual recertification of family composition and income to ensure it does not exceed 80 percent of the area median income for voucher holders (Section 601(c)).
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Administrative Requirements: The establishment of the housing preservation program requires owners to obtain and record restrictive use agreements (Section 201(e)).
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would households on low incomes be better off under this? — Directly targets very low-income applicants for housing grants and preserves affordable rental units. Would people in rural areas be better off under this? — The entire bill is dedicated to improving housing, funding, and community development in rural areas. Would farmers be better off under this? — Increases funding for minor improvements to farm housing and buildings. Would Native Americans be better off under this? — Specifically authorizes grants for federally recognized Indian Tribes for community development. Would people in middle age be better off under this? — Provides loan modifications for homeowners and supports rural community development. Would retired people be better off under this? — Preserves affordable rental housing units that retirees often rely on. Would people over 65 be better off under this? — Protects affordable rental housing and vouchers which are often used by senior citizens in rural areas. Would Black Americans be better off under this? — Positive impact through increased affordable housing in rural communities. Would Asian Americans be better off under this? — Positive impact through increased affordable housing in rural communities. Would business owners be better off under this? — Specifically aids child care business owners and rural developers. Would children be better off under this? — Supports child care providers and improves the availability of safe affordable housing for families. Would Hispanic Americans be better off under this? — Positive impact through increased affordable housing and requirement for multilingual notices. Would white Americans be better off under this? — Positive impact through improved rural housing and community development. Would women be better off under this? — Positive impact through support for child care providers, a field predominantly staffed by women. Would people in their twenties and thirties be better off under this? — Increases accessibility to affordable rural housing and vouchers. Would immigrants be better off under this? — Requires translation of housing notices into other languages for non-English speakers. Would men be better off under this? — Positive impact through farm housing improvements. Would middle-income households be better off under this? — Improves general rural housing infrastructure and loan accessibility.
- Social Issues And Justice
- Does this make housing cost less? — Establishes permanent programs for preserving multifamily rental housing and expands rural housing vouchers. Is this likely to lift people out of poverty? — Increases grants for farm housing and improves accessibility to affordable housing for low-income residents. Is this likely to reduce homelessness? — By expanding affordable housing and voucher flexibility, the bill helps prevent rural homelessness. Does this make child care cost less? — Removes loan restrictions for registered and regulated child care providers. Does this narrow racial gaps in how people are treated? — Specifically provides grants to Indian Tribes and focuses on very low-income rural populations.
- Economy And Finance
- Does this make it easier to run a small business? — Removes loan restrictions for child care providers and supports rural intermediaries. Does this give people more protection from unfair business practices? — Requires plain-English notices to tenants regarding their housing rights and loan maturities. Is this likely to grow the economy? — Provides funding for rural community development and housing capacity. Is this likely to create jobs? — Investment in rural community development and housing revitalization may stimulate local construction and service jobs. Does this reduce what the federal government spends? — The bill increases spending for staffing, technology updates, and community grants. Does this reduce what the federal government owes? — The bill authorizes additional appropriations for staffing and IT upgrades.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — Mandates annual public reports on rural housing program health and loan performance. Does this protect the right to fair treatment by the courts? — Improves transparency and notification for tenants regarding loan maturities. Does this give the federal government more power? — Increases the role of the USDA Secretary in managing and restructuring rural housing loans.
- Environment Energy And Infrastructure
- Does this invest in rural communities? — Directly funds rural community development initiatives and improves rural housing infrastructure.
- 5/19/2026
- 1 Cosponsor added.
- 12/18/2025
- 2 Cosponsors added.
- 10/17/2025
- 2 Cosponsors added.
- 10/3/2025
- 2 Cosponsors added.
- 9/15/2025
- 2 Cosponsors added.
- 9/8/2025
- 2 Cosponsors added.
- 8/12/2025
- Referred to the Committee on Financial Services, and in addition to the Committee on Agriculture, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- 1 Cosponsor added.
- Introduced in House
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Emanuel CleaverDemocrat · Missouri
Donald DavisDemocrat · North Carolina
Michelle FischbachRepublican · Minnesota
Tracey MannRepublican · Kansas
Lisa McClainRepublican · Michigan
Mariannette Miller-MeeksRepublican · Iowa
Joe NeguseDemocrat · Colorado
Brittany PettersenDemocrat · Colorado
Josh RileyDemocrat · New York
Marlin StutzmanRepublican · Indiana
Pete StauberRepublican · Minnesota
Eugene VindmanDemocrat · Virginia