A Republican bill with 21 Democratic cosponsors · See all 41 cosponsors
Last activity — Read twice and referred to the Committee on Finance.
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 Affordable Housing Credit Improvement Act of 2025 updates and expands the low-income housing credit. It increases the money states get for these projects and changes who can qualify to live in the housing. The bill provides extra support for veterans, victims of domestic abuse, and people in rural or Native American areas. It also updates rules for building owners regarding casualty losses and project costs. Finally, it renames the "low-income" housing credit to the "affordable" housing credit.
Yes· 3 of 37
- Scored +10
Would households on low incomes be better off under this?
Directly increases funding and accessibility for low-income and extremely low-income housing.
- Scored +10
Does this make housing cost less?
The core purpose of the bill is to expand and improve the affordable housing tax credit.
- Scored +9
Would Native Americans be better off under this?
Explicitly includes Indian areas as difficult development areas and requires state agencies to consider tribal needs.
The opposite
- Scored -2
Does this reduce what the federal government owes?
Increasing tax credit allocations typically reduces immediate federal tax revenue.
Who it would affect, and how
Potential Positive Impacts for People
- Increased Funding for States: Section 101 increases the per capita and minimum amounts for state allocations, which can lead to more affordable housing projects.
- Protections for Abuse Victims: Section 205 prohibits landlords from refusing to lease to or evicting tenants based on criminal activity related to domestic violence, dating violence, sexual assault, or stalking if the tenant is a victim.
- Expanded Student Eligibility: Section 203 allows certain students (such as veterans, people with disabilities, or victims of human trafficking) to qualify for low-income units even if they are full-time students under age 24.
- Support for Extremely Low-Income Households: Section 307 increases the available tax credit for projects that designate 20 percent or more of their units for households at or below 30 percent of area median gross income or the Federal poverty line.
- Assistance for Native American and Rural Areas: Sections 401, 402, and 501 improve the ability of Native American and rural areas to be designated as "difficult development areas" and require states to consider the housing needs of tribal members.
- Veteran Recognition: Section 206 ensures veterans of the Armed Forces are treated as members of a specified group under Federal programs for public use requirements.
Potential Negative Impacts for People
- Tighter Bond Financing Requirements: Section 313 lowers the requirement for certain bond-financed obligations from 50 percent to 25 percent, which changes the financial rules for building projects.
- Increased Cost Oversight: Section 312 requires the reasonableness of development costs to be reviewed, which may add more scrutiny or administrative hurdles to project approval.
- Restriction on Foreclosures: Section 310 limits the ability to use planned foreclosures to terminate certain periods, which could impact how properties are transferred.
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 increases funding and accessibility for low-income and extremely low-income housing. Would Native Americans be better off under this? — Explicitly includes Indian areas as difficult development areas and requires state agencies to consider tribal needs. Would people in rural areas be better off under this? — Explicitly designates rural areas as difficult development areas to spur housing growth. Would students be better off under this? — Expands the ability of qualifying students to occupy low-income housing units. Would veterans be better off under this, taking everything together? — Explicitly ensures veterans are treated as a specified group and expands their eligibility for low-income units. Would people with disabilities be better off under this? — Removes student barriers for people with disabilities to access affordable housing. Would people in cities be better off under this? — Increases credits for projects in qualified census tracts and urban areas. Would women be better off under this? — Provides specific legal protections for victims of domestic violence, sexual assault, and stalking. Would people in their twenties and thirties be better off under this? — Expands eligibility for students under 24, including those who are victims of trafficking or homeless. Would Black Americans be better off under this? — Focuses on poverty reduction and removing discriminatory land use policies which historically impact this group. Would business owners be better off under this? — Provides significant tax credits for housing developers and owners. Would Hispanic Americans be better off under this? — Focuses on poverty reduction and removing discriminatory land use policies which historically impact this group. Would retired people be better off under this? — Increases the overall supply of rent-restricted housing. Would Asian Americans be better off under this? — General increase in affordable housing availability. Would LGBTQ people be better off under this? — General increase in affordable housing availability. Would men be better off under this? — General increase in affordable housing availability. Would people in middle age be better off under this? — Increases general availability of affordable housing units. Would people over 65 be better off under this? — Increases overall affordable housing stock, which benefits low-income seniors. Would white Americans be better off under this? — General increase in affordable housing availability. Would billionaires be better off under this? — Tax credits provide incentives for high-net-worth real estate investors. Would children be better off under this? — Increased affordable housing supply benefits families with children. Would people with substantial wealth be better off under this? — Tax credits provide incentives for high-net-worth real estate investors. Would the very wealthiest people be better off under this? — Tax credits provide incentives for high-net-worth real estate investors. Would union members be better off under this? — Increased construction activity generally benefits skilled trades and union workers. Would middle-income households be better off under this? — Indirect benefits from improved housing market stability.
- Social Issues And Justice
- Does this make housing cost less? — The core purpose of the bill is to expand and improve the affordable housing tax credit. Is this likely to reduce homelessness? — Expanded housing credits and student eligibility for homeless youth directly target housing instability. Is this likely to lift people out of poverty? — Increases credits for projects serving extremely low-income households (30% AMI or below). Does this narrow racial gaps in how people are treated? — Specific provisions targeting Native American areas and an emphasis on removing discriminatory land use policies improve racial equity. Does this expand the rights of people with disabilities? — Allows students with disabilities to qualify for low-income housing units.
- Environment Energy And Infrastructure
- Does this invest in rural communities? — Designates rural areas as difficult development areas to encourage housing construction. Does this improve help for people hit by a disaster? — Provides tax credit protections for buildings suffering casualty losses from Federally declared disasters.
- Economy And Finance
- Is this likely to create jobs? — Increased funding for affordable housing projects typically stimulates construction and development jobs. Is this likely to grow the economy? — Investment in housing infrastructure supports local economic stability and growth. Does this make it easier to run a small business? — Real estate developers and contractors benefit from expanded tax credits for housing projects. Does this reduce what the federal government owes? — Increasing tax credit allocations typically reduces immediate federal tax revenue.
- National Security And Foreign Policy
- Does this increase the pay, pensions or support veterans receive? — Specifically clarifies that veterans are a specified group for public use requirements and allows them better access to low-income units.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — Expresses a sense of Congress to increase data sharing and transparency of the housing credit program.
- 6/10/2025
- 2 Cosponsors added.
- 5/22/2025
- 2 Cosponsors added.
- 5/14/2025
- 2 Cosponsors added.
- 5/13/2025
- 2 Cosponsors added.
- 5/8/2025
- 2 Cosponsors added.
- 5/7/2025
- 2 Cosponsors added.
- 4/29/2025
- Read twice and referred to the Committee on Finance.
- 29 Cosponsors added.
- Introduced in Senate
3 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.
John BoozmanRepublican · Arkansas
Marsha BlackburnRepublican · Tennessee
Michael BennetDemocrat · Colorado
Ted BuddRepublican · North Carolina
Maria CantwellDemocrat · Washington
Susan CollinsRepublican · Maine
Shelley CapitoRepublican · West Virginia
Bill CassidyRepublican · Louisiana
Kevin CramerRepublican · North Dakota
Catherine Cortez MastoDemocrat · Nevada
John FettermanDemocrat · Pennsylvania
Kirsten GillibrandDemocrat · New York
John HickenlooperDemocrat · Colorado
Mazie HironoDemocrat · Hawaii
John HoevenRepublican · North Dakota
Maggie HassanDemocrat · New Hampshire
Cindy Hyde-SmithRepublican · Mississippi
Jon HustedRepublican · Ohio
James JusticeRepublican · West Virginia
Amy KlobucharDemocrat · Minnesota
Timothy KaineDemocrat · Virginia
Ben LujánDemocrat · New Mexico
Jerry MoranRepublican · Kansas
Patty MurrayDemocrat · Washington
Lisa MurkowskiRepublican · Alaska
Roger MarshallRepublican · Kansas
David McCormickRepublican · Pennsylvania
Mike RoundsRepublican · South Dakota
Jacky RosenDemocrat · Nevada
Pete RickettsRepublican · Nebraska
Charles SchumerDemocrat · New York
Jeanne ShaheenDemocrat · New Hampshire
Dan SullivanRepublican · Alaska
Tina SmithDemocrat · Minnesota
Thomas TillisRepublican · North Carolina
Roger WickerRepublican · Mississippi
Ron WydenDemocrat · Oregon
Raphael WarnockDemocrat · Georgia
Peter WelchDemocrat · Vermont
Sheldon WhitehouseDemocrat · Rhode Island
Mark WarnerDemocrat · Virginia