Bill · H.R. 4957· House(119-HR-4957)
Rural Housing Service Reform Act of 2025
- Introduced
- 8/12/2025
- Last activity
- 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.
- Sponsored by
- Zachary Nunn
- Cosponsors
- - 6 - 6
- 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
Would households on low incomes be better off under this?+9
Directly targets very low-income applicants for housing grants and preserves affordable rental units.
Would people in rural areas be better off under this?+9
The entire bill is dedicated to improving housing, funding, and community development in rural areas.
Does this make housing cost less?+9
Establishes permanent programs for preserving multifamily rental housing and expands rural housing vouchers.
The opposite
Does this reduce what the federal government spends?-2
The bill increases spending for staffing, technology updates, and community grants.
Does this reduce what the federal government owes?-1
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. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+9Good For Rural Residents+9Good For Farmers+7Good For Native Americans+6Good For Middle Aged+5Good For Retirees+5Good For Seniors+5Good For African Americans+4Good For Asian Americans+4Good For Business Owners+4Good For Children+4Good For Hispanic Americans+4Good For White Americans+4Good For Women+4Good For Young Adults+4Good For Immigrants+3Good For Men+3Good For Middle Class Households+3
- Social Issues And Justice
- Improves Affordable Housing+9Improves Poverty Reduction+6Reduces Homelessness+5Improves Childcare Affordability+4Improves Racial Equity+3
- Economy And Finance
- Improves Small Business Support+4Improves Consumer Protection+3Improves Economic Growth+3Increases Job Creation+2Reduces Government Spending-2Reduces National Debt-1
- Governance And Ideology
- Improves Government Transparency+4Improves Due Process+3Increases Federal Power+2
- Environment Energy And Infrastructure
- Improves Rural Development+8
- 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
One bill 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