J. Hill (R-AR)
Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment.
A Republican resolution with 1 Democratic cosponsor · See the cosponsor
Last activity — Motion to reconsider laid on the table Agreed to without objection.
Adopted
The chamber formally agreed to it, and for a resolution that is the finish line: what it says is now officially the chamber's position, rule or tribute.
Nothing more is needed. A resolution is how a chamber speaks for itself or sets its own rules, so adopting it is what puts it into effect. It is not a law, so there is nothing for the President to sign.
Its path through Congress
- Introduced
- Adopted by the House 396–13
A House resolution is the House speaking for itself: stating a position, honouring someone, or setting its own rules. Adopting it is the whole process. Once the House agrees to it, it is officially the House's word; it is not a law, so the Senate and the President have no part in it.
What this bill would do
The 21st Century ROAD to Housing Act is a legislative proposal focused on expanding housing opportunities through reforms and pilot programs. It includes provisions to improve housing counseling, establish guidelines for point-access block buildings, and exempt certain infill site construction from specific environmental studies. The bill also creates pilot programs for small-dollar mortgages, temperature sensors in rental units, and whole-home repairs. Additionally, it aims to increase housing supply by updating zoning frameworks, streamlining environmental reviews, and promoting manufactured and modular housing. The Act contains several provisions intended to increase the accessibility and affordability of residential properties across the United States. It introduces changes to the financial sector, such as rules for community bank deposits and a prohibition on large institutional investors purchasing single-family homes.
Yes· 3 of 41
- Scored +7
Does this make housing cost less?
The Act comprehensively targets housing affordability by reforming housing programs, increasing supply, and restricting large institutional buyers.
- Scored +5
Would households on low incomes be better off under this?
Programs like escrow expansion, housing counseling, and whole-home repairs directly assist low-income households.
- Scored +5
Would veterans be better off under this, taking everything together?
Dedicated provisions protect unhoused disabled veterans and improve VA housing loan processes.
The opposite
- Scored -1
Would people with substantial wealth be better off under this?
Restrictions on large institutional investors purchasing single-family homes moderately impact corporate investment strategies.
- Scored -1
Would the very wealthiest people be better off under this?
Corporate investor restrictions limit large-scale acquisition of single-family residential assets.
- Scored -1
Would billionaires be better off under this?
Large institutional investors face strict prohibitions on purchasing single-family residential homes.
What Congress actually voted on
One recorded vote has been taken on this bill.
- The House: a fast-track vote, needing two-thirds to pass The House sets aside its normal procedure to move quickly: no amendments, little debate, and a two-thirds bar instead of a simple majority. It is used for measures expected to be uncontroversial, so a bill that fails here failed despite broad expectations that it would not. Passed 396 yes · 13 no
05/20/2026 · Roll call 176 · recorded as “On Motion to Suspend the Rules and Agree”
Who it would affect, and how
Potential Positive Impacts for People
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Improved Housing Counseling Quality: The bill allows for performance reviews of counseling organizations to ensure they comply with program requirements, which could lead to more competent services for borrowers (Section 101).
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Increased Housing Supply via Point-Access Buildings: The creation of guidelines for point-access block buildings and competitive grants for pilot projects aims to facilitate the permitting of these structures to increase housing supply (Section 102).
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Streamlined Construction on Infill Sites: By exempting certain residential construction or modifications on infill sites from specific environmental studies, the bill seeks to reduce review times and administrative costs (Section 103).
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Enhanced Access to Small-Dollar Mortgages: The establishment of a pilot program to incentivize small-dollar mortgages could help people access financing for properties with a principal balance of $100,000 or less (Section 105). Additionally, the bill requires studies into loan originator compensation and mortgage thresholds to address barriers to small-dollar lending (Section 401 and 402).
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Improved Temperature Monitoring in Rentals: A pilot program to provide grants for temperature sensors could help ensure federally assisted rental units comply with temperature requirements (Section 106).
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Support for Home Repairs: The Whole-Home Repairs Act provides grants for homeowners to address accessibility, safety, and energy efficiency needs (Section 202).
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Increased Affordability through Pilot Programs: The RESIDE Act establishes a pilot program to convert vacant and abandoned buildings into attainable housing (Section 210).
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Expanded Housing Options through Offsite Construction: A study into the cost-effectiveness of manufactured and modular homes could reveal advantages in cost, precision, and waste reduction (Section (b)(2)(A)).
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Streamlined Appraiser Licensing: An appraiser who chooses to become a State-licensed or certified real estate appraiser would only need to be licensed in one State or territory to perform FHA-insured mortgages in all States and territories (Section 403(a)(1)(A)).
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Financial Security via Escrow Pilot Program: The Escrow Expansion Pilot Program allows covered families to establish interest-bearing accounts to save funds resulting from increases in earned income (Section 404(3)(A)).
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Preservation of Rural Rental Housing: The Housing Preservation and Revitalization Program allows for the restructuring of loans to ensure projects have sufficient resources to remain safe and affordable (Section 502(c)).
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Increased Flexibility for Low-Income Families: The HOME Investment Partnerships Program is updated to include families with incomes up to 100 percent of the area median income (Section 501(c)(1)).
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Support for Military Families: The bill allows for the suspension of income qualifications for military members facing deployment or permanent change of station (Section 501(c)(2)(A)).
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Protection for Homeowners in Rural Areas: The Rural Community Development Initiative provides grants to improve housing, community facilities, and economic development (Section 502(b)).
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Increased Housing Availability for Individuals: By prohibiting large institutional investors from purchasing single-family homes, the bill aims to expand the supply of homes available for individual purchase (Section 1001(b)(1)).
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Support for Renters: The establishment of a renter outreach resource provides a way for renters to notify Federal agencies about disputes regarding their residential properties (Section 1001(c)(1)).
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Empowerment of Small Financial Institutions: The Financial Agent Mentor-protege Program allows small institutions to prepare to perform as financial agents or improve their capacity to serve customers (Section 908(a)(1)).
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Streamlined Process for New Banks: The bill seeks to streamline the application process for de novo regulated institutions and provides a caseworker to act as a primary point of contact (Section 909(a)(1) and (b)(1)).
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Assistance to Homebuyers via Penalties: Civil penalties collected from large institutional investors violating the home purchase prohibition may be used to fund the HOME Investment Partnerships program for things like downpayments and closing costs (Section 1001(d)(2)).
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Improved Oversight of Public Housing: The Inspector General is required to provide analysis on the status of compliance, physical conditions, and any allegations of waste, fraud, or abuse within covered public housing agencies (Section (d)(1)-(4)).
Potential Negative Impacts for People
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Potential Loss of Counseling Capacity: The Secretary has the authority to suspend individual certifications for counselors deemed to lack competence, which could impact the availability of services if it creates a significant loss of capacity (Section 101).
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Restrictions on Loan Renewals: Organizations receiving assistance may face the denial of renewal if they are found to be out of compliance with program requirements (Section 101).
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Mandatory Rent Caps for Landlords: Under the Whole-Home Repairs Act, landlords receiving loans must agree to cap annual rent increases at 5 percent of base rent or the rate of inflation, whichever is lower, for at least three years (Section s 202).
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Requirement to Offer Lease Extensions: Landlords receiving loans through the whole-home repairs program must offer to extend the leases of current tenants on current terms for at least three years (Section 202).
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Increased Burdens on Appraisers: The bill establishes new requirements for verifiable education and competency that must be met before conducting FHA-insured appraisals (Section 403(a)(1)(C)).
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Limitations on Escrow Withdrawals: Under the Escrow Expansion Pilot Program, families may be restricted from withdrawing funds for up to five years unless specific criteria are met (Section 404(3)(C)).
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Potential Risks in Public Appraisal Databases: The creation of a public appraisal database carries potential risks associated with consumer privacy and the safety and soundness of the industry (Section s 704(b)(2)(C)).
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Strict Requirements for Participation in Rural Housing: The Rural Community Development Initiative requires eligible intermediaries to provide matching funds of at least the amount of the grant (Section 502(d)(2)).
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Market Disruptions: The Secretary of the Treasury is authorized to issue regulations to minimize potential market disruptions that could arise from the prohibition on large institutional investors purchasing single-family homes (Section 1001(b)(4)(A)(i)).
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Interest Rate Limits: The bill imposes restrictions on the interest rates that covered insured depository institutions may pay on certain custodial deposits if they are not well capitalized (Section 901(b)).
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Restrictions on Digital Assets: The legislation prohibits the Federal Reserve from issuing a central bank digital currency, except for specific private, permissionless dollar-denominated currencies (Section 1101(b)).
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? — Programs like escrow expansion, housing counseling, and whole-home repairs directly assist low-income households. Would veterans be better off under this, taking everything together? — Dedicated provisions protect unhoused disabled veterans and improve VA housing loan processes. Would middle-income households be better off under this? — Measures to curb institutional investor purchases of single-family homes reduce competition for middle-class homebuyers. Would people with disabilities be better off under this? — Whole-home repairs act provides grants for accessibility modifications like ramps and grab bars. Would people in rural areas be better off under this? — Rural Housing Service reforms and targeted rural programs significantly benefit rural housing availability. Would people over 65 be better off under this? — Whole-home repair grants and accessibility modifications specifically benefit older adults aging in place. Would children be better off under this? — Expanded affordable housing options and home repairs provide stable living environments for families with children. Would farmers be better off under this? — Rural housing service reforms and agricultural housing provisions support rural communities and farmers. Would Native Americans be better off under this? — Tribal set-asides and specific provisions for tribal housing entities improve housing development in Native communities. Would retired people be better off under this? — Home repair grants and support for older adult modifications assist retirees living on fixed incomes. Would people in cities be better off under this? — Provisions targeting infill development and urban housing supply help alleviate urban housing crunches. Would people in their twenties and thirties be better off under this? — Increased housing supply and small-dollar mortgage programs assist young adults trying to enter the housing market. Would Black Americans be better off under this? — Targeted homeownership initiatives and housing supply provisions can help address racial homeownership disparities. Would business owners be better off under this? — Streamlined review processes and support for community banks benefit small business and community financial institutions. Would Hispanic Americans be better off under this? — Expanded housing counseling and small-dollar mortgage programs support minority homeownership. Would people in middle age be better off under this? — General improvements in housing availability and mortgage access benefit middle-aged households. Would women be better off under this? — Affordable housing and family support programs provide broad benefits for single mothers and households. Would Asian Americans be better off under this? — General improvements in housing access benefit diverse communities. Would immigrants be better off under this? — Access to housing counseling and consumer protections apply broadly to residents. Would LGBTQ people be better off under this? — General antidiscrimination and fair housing compliance requirements protect LGBTQ individuals. Would men be better off under this? — General housing supply improvements benefit all demographic groups. Would students be better off under this? — General housing affordability measures assist students transitioning to independent living. Would union members be better off under this? — Labor standards applied to certain infrastructure improvements protect construction workers. Would white Americans be better off under this? — General housing market reforms benefit prospective homebuyers broadly. Would billionaires be better off under this? — Large institutional investors face strict prohibitions on purchasing single-family residential homes. Would people with substantial wealth be better off under this? — Restrictions on large institutional investors purchasing single-family homes moderately impact corporate investment strategies. Would the very wealthiest people be better off under this? — Corporate investor restrictions limit large-scale acquisition of single-family residential assets.
- Social Issues And Justice
- Does this make housing cost less? — The Act comprehensively targets housing affordability by reforming housing programs, increasing supply, and restricting large institutional buyers. Is this likely to reduce homelessness? — The legislation includes specific provisions and oversight mechanisms aimed at addressing homelessness and supporting unhoused veterans. Does this expand the rights of people with disabilities? — Specific home repair and housing provisions benefit individuals with disabilities and older adults by improving accessibility. Is this likely to lift people out of poverty? — Escrow expansion and self-sufficiency pilot programs help low-income households build savings and reduce poverty.
- Economy And Finance
- Does this make it easier to run a small business? — The legislation includes provisions strengthening community banks and expanding deposit access, which supports small financial institutions. Does this give people more protection from unfair business practices? — Enhanced disclosures and renter outreach resources provide moderate new protections for consumers and tenants. Is this likely to create jobs? — The bill includes provisions for workforce training and community development that can moderately boost job creation in housing and construction sectors. Is this likely to grow the economy? — Streamlining housing regulations and supporting community banks may provide modest localized economic stimulus.
- Environment Energy And Infrastructure
- Does this invest in rural communities? — The bill includes specific reforms and support programs targeting rural housing services and rural depositories. Does this repair or build roads and bridges? — Certain housing grant programs allow for necessary infrastructure improvements related to community development. Does this better protect public land such as parks and forests? — Database requirements for publicly owned land improve transparency and land utilization. Does this put more money into wind, solar and other renewable power? — Home repair provisions support energy efficiency improvements. Does this cut the pollution that drives climate change? — Whole-home repair programs encourage energy and water efficiency upgrades in residential properties.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — Enhanced reporting requirements and congressional testimony mandates for housing regulators improve government transparency. Does this protect people from being watched or searched? — The prohibition on issuing a central bank digital currency is intended to protect individual privacy in financial transactions. Does this give the federal government more power? — The bill establishes new federal reporting requirements and pilot programs for housing regulators.
- National Security And Foreign Policy
- Does this increase the pay, pensions or support veterans receive? — The bill includes dedicated provisions improving housing access and excluding certain disability benefits for unhoused veterans.
- 5/20/2026
- Motion to reconsider laid on the table Agreed to without objection.
- Passed/agreed to in House: On motion to suspend the rules and agree to the resolution Agreed to by the Yeas and Nays: (2/3 required): 396 - 13 (Roll no. 176).
- On motion to suspend the rules and agree to the resolution Agreed to by the Yeas and Nays: (2/3 required): 396 - 13 (Roll no. 176).
- Considered as unfinished business.
- 5/19/2026
- Submitted in House
- Referred to the House Committee on Rules.
- At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
- DEBATE - The House proceeded with forty minutes of debate on H. Res. 1299.
- Considered under suspension of the rules. (consideration: CR H3588-3624; text: CR H3588-3619)
- Mr. Hill (AR) moved to suspend the rules and agree to the resolution.
- 1 Cosponsor added.
4 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.
Maxine WatersDemocrat · California