Bill · H.R. 6644· House(119-HR-6644)
21st Century ROAD to Housing Act
- Introduced
- 12/11/2025
- Last activity
- 7/11/2026 — Became Public Law No: 119-101.
- Sponsored by
- J. Hill
- Cosponsors
- - 15 - 16
- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
What this bill would do
The 21st Century ROAD to Housing Act aims to increase housing supply and affordability across the United States. It introduces various grants, pilot programs, and regulatory reforms for housing counseling, manufactured and modular housing, and zoning frameworks. The bill also establishes programs for home repairs, disaster recovery assistance, and veteran housing support. Additionally, it places restrictions on purchases of single-family homes by large institutional investors and prohibits the Federal Reserve from issuing a central bank digital currency. Finally, the legislation includes provisions regarding community bank deposits, appraisal standards, and congressional oversight.
Yes· 3 of 51
Would households on low incomes be better off under this?+10
Extensive grants, vouchers, rent caps, and wealth-building pilots directly target low-income families.
Would veterans be better off under this, taking everything together?+10
Provides comprehensive new housing protections, disabled veteran benefits, and improved VA loan access.
Would people in rural areas be better off under this?+10
Extensive focus on rural housing preservation, USDA reforms, and rural credit union revitalization.
The opposite· 3 of 6
Would billionaires be better off under this?-8
Directly targets and restricts large-scale corporate ownership of single-family homes.
Would the very wealthiest people be better off under this?-7
Imposes severe penalties on large institutional investors regarding single-family home ownership.
Would people with substantial wealth be better off under this?-6
Restricts large institutional investors from purchasing and expanding single-family home portfolios.
What Congress actually voted on
9 recorded votes have been taken on this bill. 4 of them decided something; the rest moved it along.
- The House: a fast-track vote, needing two-thirds to passPassed 390–9
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.
02/09/2026 · Roll call 57 · recorded as “On Motion to Suspend the Rules and Pass, as Amended”
- The Senate: the vote on whether to pass the billBill Passed 89–10
This is the real decision in this chamber. Passing here sends the bill to the other chamber, which must pass it too before it can go to the President.
03/12/2026 · Roll call 53 · recorded as “On Passage of the Bill H.R. 6644”
- The Senate: a vote to accept the other chamber's changesMotion Agreed to 85–5
The House and Senate passed different versions. This votes on accepting the other chamber's wording, which is the last step before the bill goes to the President.
06/22/2026 · Roll call 182 · recorded as “On the Motion (Motion to Concur in the House Amendment to the Senate Amendment to H.R. 6644 with an Amendment (SA 5823))”
- The House: a fast-track vote, needing two-thirds to passPassed 358–32
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.
06/23/2026 · Roll call 224 · recorded as “On Motion to Suspend the Rules and Concur in Senate Adt to House Adt to Senate Adt”
Who it would affect, and how
Potential Positive Impacts for People
-
Housing Counseling and Foreclosure Mitigation (Section 101): Delinquent borrowers with covered mortgage loans will be given an opportunity to participate in housing counseling, with the fair market rate cost for FHA loans paid by the Mutual Mortgage Insurance Fund. This helps people facing financial hardship avoid foreclosure.
-
Whole-Home Repairs Program (Section 202): Establishes a pilot program providing grants to eligible homeowners and forgivable loans to eligible landlords to fund physical accessibility improvements, safety upgrades, and energy efficiency updates. This helps individuals, particularly older adults and persons with disabilities, remain safely in their homes.
-
Small-Dollar Mortgage Incentives and Relief (Section 105 & Title IV): Directs the FHA to establish a pilot program to increase access to small-dollar mortgages ($100,000 or less) by providing direct grants for down payments, closing costs, and appraisals. This makes homeownership more accessible for lower-income buyers.
-
Protection Against Corporate Buyouts (Section 1001): Prohibits large institutional investors who control 350 or more single-family homes from purchasing additional single-family homes. This reduces corporate competition and preserves housing inventory for individual homebuyers and families.
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+10Good For Rural Residents+10Good For Veterans+10Good For People With Disabilities+9Good For Native Americans+8Good For Retirees+8Good For Seniors+8Good For Urban Residents+8Good For Young Adults+8Good For African Americans+7Good For Farmers+7Good For Hispanic Americans+7Good For Middle Class Households+7Good For Asian Americans+6Good For Business Owners+6Good For Middle Aged+6Good For Students+6Good For Union Workers+6Good For Children+5Good For Immigrants+5Good For L G B T Q Community+5Good For Men+5Good For White Americans+5Good For Women+5Good For Billionaires-8Good For Ultra High Net Worth Individuals-7Good For High Net Worth Individuals-6
- Social Issues And Justice
- Improves Affordable Housing+10Improves Disability Rights+8Reduces Homelessness+8Improves Poverty Reduction+7Improves Racial Equity+6Improves Childcare Affordability+4
- Environment Energy And Infrastructure
- Improves Disaster Relief And F E M A+9Improves Rural Development+9Improves Public Land Management+6Improves Public Transit+5Improves Roads And Bridges+3Increases Renewable Energy Investment+3Reduces Carbon Emissions+3Improves Environmental Protections-3
- Economy And Finance
- Improves Small Business Support+7Improves Consumer Protection+6Improves Economic Growth+6Increases Job Creation+5Reduces Inflation+3Improves Fiscal Responsibility+2Reduces Government Spending-3Reduces National Debt-2
- Governance And Ideology
- Improves Government Transparency+8Improves Due Process+4Increases Federal Power+4Improves Interstate Commerce+3Improves Privacy Rights+3Increase States Rights+2
- National Security And Foreign Policy
- Improves Veterans Benefits+9
- Education And Technology
- Improves Data Privacy+5
- Public Law(7/12/2026)
The text as it became law
- Enrolled Bill
The final version, on its way to the President
The changes one chamber made to the other chamber’s version, as it passed them
The changes one chamber made to the other chamber’s version, as it passed them
The changes one chamber made to the other chamber’s version, as it passed them
| Updated | Bill | Title | Policy Area |
|---|---|---|---|
| 7 months ago | To require the Comptroller General of the United States to submit to Congress studies on workforce housing, housing for persons who are elderly or disabled, proximity of housing to Superfund sites, and residential heirs property. | ||
| 7 months ago | In the nature of a substitute. | ||
| 7 months ago | To improve the bill. | ||
| 7 months ago | To improve the bill. | ||
| 7 months ago | To improve the bill. | ||
| 7 months ago | To improve the bill. | ||
| 7 months ago | To improve the bill. | ||
| 7 months ago | To improve the bill. | ||
| 3 months ago | In the nature of a substitute. | ||
| 3 months ago | To improve the bill. |
- 7/11/2026
- Sent to Archivist of the United States unsigned.
- Became Public Law No: 119-101.
- 6/29/2026
- Presented to President.
- 6/23/2026
- Message on Senate action sent to the House.
- Resolving differences -- House actions: On motion that the House suspend the rules and agree to the Senate amendment to the House amendment to the Senate amendment Agreed to by the Yeas and Nays: (2/3 required): 358 - 32 (Roll no. 224). (text: CR H4151-4187)
- Motion to reconsider laid on the table Agreed to without objection.
- On motion that the House suspend the rules and agree to the Senate amendment to the House amendment to the Senate amendment Agreed to by the Yeas and Nays: (2/3 required): 358 - 32 (Roll no. 224). (text: CR H4151-4187)
- 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 the motion to suspend the rules and agree to the Senate amendment to the House amendment to the Senate amendment.
- Mr. Hill (AR) moved that the House suspend the rules and agree to the Senate amendment to the House amendment to the Senate amendment. (consideration: CR H4151-4193)
- 6/22/2026
- Considered by Senate (Message from the House considered). (consideration: CR S2977, S2982-2984)
- Resolving differences -- Senate actions: Senate concurred in the House amendment to the Senate amendment with an amendment (SA 5823) by Yea-Nay Vote. 85 - 5. Record Vote Number: 182.
- Senate concurred in the House amendment to the Senate amendment with an amendment (SA 5823) by Yea-Nay Vote. 85 - 5. Record Vote Number: 182.
- 6/18/2026
- Considered by Senate (Message from the House considered). (consideration: CR S2913-2917)
- Cloture on the motion to concur in the House amendment to the Senate amendment to H.R. 6644 with an amendment (SA 5823) invoked in Senate by Yea-Nay Vote. 84 - 8. Record Vote Number: 180.
- Motion by Senator Thune to refer to Senate Committee on Banking, Housing, and Urban Affairs the House message to accompany H.R. 6644 with instructions to report back forthwith with the following amendment (SA 5825) fell when cloture was invoked on the motion to concur in the House amendment to the Senate amendment to H.R. 6644 in Senate.
- 6/16/2026
- Motion to proceed to consideration of the House message to accompany H.R. 6644 agreed to in Senate by Yea-Nay Vote. 87 - 8. Record Vote Number: 175.
- Measure laid before Senate by motion. (consideration: CR S2813-2316)
- Motion by Senator Thune to concur in the House amendment to the Senate amendment to H.R. 6644 with an amendment (SA 5823) made in Senate.
- Cloture motion on the motion to concur in the House amendment to the Senate amendment to H.R. 6644 with an amendment (SA 5823) presented in Senate.
- Motion by Senator Thune to refer to Senate Committee on Banking, Housing, and Urban Affairs the House message to accompany H.R. 6644 with instructions to report back forthwith with the following amendment (SA5825) made in Senate.
- 6/2/2026
- Message on House action received in Senate and at desk: House amendment to Senate amendment.
- 5/20/2026
- Resolving differences -- House actions: House agreed to Senate amendment with amendment pursuant to H. Res. 1299
- House agreed to Senate amendment with amendment pursuant to H. Res. 1299 (consideration: CR H3643-3644)
- 3/16/2026
- Message on Senate action sent to the House.
- 3/12/2026
- Considered by Senate. (consideration: CR S1017, S1021-1024)
- Passed/agreed to in Senate: Passed Senate with an amendment by Yea-Nay Vote. 89 - 10. Record Vote Number: 53.
- Passed Senate with an amendment by Yea-Nay Vote. 89 - 10. Record Vote Number: 53.
- 3/11/2026
- Considered by Senate. (consideration: CR S969, S1004-1005)
- Cloture invoked in Senate by Yea-Nay Vote. 82 - 11. Record Vote Number: 52. (CR S1005)
- 3/10/2026
- Considered by Senate. (consideration: CR S943)
- Motion by Senator Thune to commit to Senate Committee on Banking, Housing, and Urban Affairs with instructions to report back forthwith with the following amendment (SA 4313) fell when cloture was invoked on amendment SA 4308 in Senate.
- 3/5/2026
- Considered by Senate. (consideration: CR S855-856)
- Cloture motion on the measure presented in Senate. (CR S877)
- 3/4/2026
- Motion to proceed to measure considered in Senate. (CR S769)
- Motion to proceed to consideration of measure agreed to in Senate by Yea-Nay Vote. 90 - 8. Record Vote Number: 45. (CR S773)
- Measure laid before Senate by motion. (consideration: CR S773-777)
- Motion by Senator Thune to commit to Senate Committee on Banking, Housing, and Urban Affairs with instructions to report back forthwith with the following amendment (SA 4313) made in Senate.
- 3/3/2026
- Motion to proceed to measure considered in Senate. (CR S741)
- 3/2/2026
- Motion to proceed to measure considered in Senate. (CR S719)
- Cloture on the motion to proceed to the measure invoked in Senate by Yea-Nay Vote. 84 - 6. Record Vote Number: 44. (CR S728)
- 2/26/2026
- Motion to proceed to consideration of measure made in Senate. (CR S692)
- Cloture motion on the motion to proceed to the measure presented in Senate. (CR S692)
- 2/24/2026
- Read the second time. Placed on Senate Legislative Calendar under General Orders. Calendar No. 343.
- 2/23/2026
- Read the first time. Placed on Senate Legislative Calendar under Read the First Time.
- 2/11/2026
- Received in the Senate.
- 2/9/2026
- The title of the measure was amended. Agreed to without objection.
- Motion to reconsider laid on the table Agreed to without objection.
- Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 390 - 9 (Roll no. 57). (text: CR H2050-2070)
- On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 390 - 9 (Roll no. 57). (text: CR H2050-2070)
- Considered as unfinished business. (consideration: CR H2082)
- 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.R. 6644.
- Considered under suspension of the rules. (consideration: CR H2050-2074)
- Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended.
- 1/15/2026
- Reported (Amended) by the Committee on Financial Services. H. Rept. 119-457, Part I.
- Committee on Veterans' Affairs discharged.
- Placed on the Union Calendar, Calendar No. 392.
- 27 Cosponsors added.
- 12/17/2025
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 1.
- 12/16/2025
- Committee Consideration and Mark-up Session Held
- 12/15/2025
- 1 Cosponsor added.
- 12/11/2025
- Referred to the Committee on Financial Services, and in addition to the Committee on Veterans' Affairs, 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.
- 3 Cosponsors added.
- Introduced in House
55 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.
- 119-HR-638: Housing Temperature Safety Act of 2025
- 119-HR-965: Housing Unhoused Disabled Veterans Act
- 119-HR-975: Credit Union Board Modernization Act
- 119-HR-2362: VA Home Loan Awareness Act of 2025
- 119-HR-3694: VALID Act of 2025
- 119-HR-3709: Advancing the Mentor-Protégé Program for Small Financial Institutions Act
- 119-HR-3716: Systemic Risk Authority Transparency Act
- 119-HR-3774: HUD Accountability Act of 2025
- 119-HR-4385: Helping More Families Save Act
- 119-HR-4477: PRICE Act
- 119-HR-4544: American Access to Banking Act
- 119-HR-4660: Unlocking Housing Supply Through Streamlined and Modernized Reviews Act
- 119-HR-4810: BUILD Housing Act
- 119-HR-5077: Strengthening Housing Supply Act of 2025
- 119-HR-5317: Community Bank Deposit Access Act of 2025
- 119-HR-5907: To authorize the Secretary of Housing and Urban Development to 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, and for other purposes.
- 119-HR-5990: Whole-Home Repairs Act of 2025
- 119-HR-6132: Housing Affordability Act
- 119-HR-6269: Modular Housing Production Act
- 119-HR-6293: Housing Supply Expansion Act of 2025
- 119-HR-6344: CAT Act
- 119-HR-6726: To amend the Housing and Urban Development Act of 1968 to provide reforms to housing counseling and financial literacy programs.
- 119-HR-6768: Housing Our Communities Act
- 119-HR-6772: Affordable Housing Through Common-Sense Standards Act
- 119-HR-6774: FHA Small-Dollar Mortgages Act
- 119-HR-6825: To require Federal monitors and receivers of public housing agencies to testify before the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate.
- 119-HR-7108: Improving Public Housing Agency Accountability Act
- 119-HR-7791: To authorize the Secretary of Housing and Urban Development to prioritize the award of certain housing grants to applicants located in, or serving, low-income communities.
- 119-HR-8291: Reforming Disaster Recovery Act
- 119-HR-8877: Improving Self-Sufficiency of Families in HUD-Subsidized Housing Act
- 119-HR-8878: Incentivizing Local Solutions to Homelessness Act
- 119-S-127: Whole-Home Repairs Act of 2025
- 119-S-138: VA Home Loan Awareness Act of 2025
- 119-S-522: Credit Union Board Modernization Act
- 119-S-885: Strategy and Investment in Rural Housing Preservation Act of 2025
- 119-S-943: PRICE Act
- 119-S-964: Property Improvement and Manufactured Housing Loan Modernization Act of 2025
- 119-S-970: Helping More Families Save Act
- 119-S-1260: Rural Housing Service Reform Act of 2025
- 119-S-1299: Housing Supply Frameworks Act
- 119-S-1415: Housing Unhoused Disabled Veterans Act
- 119-S-1527: Housing Affordability Act
- 119-S-1695: HUD-USDA-VA Interagency Coordination Act
- 119-S-1932: VALID Act of 2025
- 119-S-2361: Accelerating Home Building Act of 2025
- 119-S-2390: Unlocking Housing Supply Through Streamlined and Modernized Reviews Act
- 119-S-2391: BUILD Housing Act
- 119-S-2414: Housing Supply Expansion Act of 2025
- 119-S-2464: Community Investment and Prosperity Act
- 119-S-3830: TRUST Act of 2026
- 119-S-3901: HOME Expansion Act
- 119-S-3968: Housing for America’s Middle Class Act of 2026
- 119-S-4020: Housing Supply and Affordability Act
- 119-S-4517: Rural Depositories Revitalization Study Act
- 119-HRES-1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment.
Joyce BeattyDemocrat · Ohio
Janelle BynumDemocrat · Oregon
Emanuel CleaverDemocrat · Missouri
Monica De La CruzRepublican · Texas
Troy DowningRepublican · Montana
Cleo FieldsDemocrat · Louisiana
Mike FloodRepublican · Nebraska
Al GreenDemocrat · Texas
Sylvia GarciaDemocrat · Texas
Andrew GarbarinoRepublican · New York
Mike HaridopolosRepublican · Florida
Young KimRepublican · California
Michael LawlerRepublican · New York
Sam LiccardoDemocrat · California
Daniel MeuserRepublican · Pennsylvania
Jared MoskowitzDemocrat · Florida
Tim MooreRepublican · North Carolina
Zachary NunnRepublican · Iowa
Ayanna PressleyDemocrat · Massachusetts
Brittany PettersenDemocrat · Colorado
John RoseRepublican · Tennessee
Maria SalazarRepublican · Florida
Pete SessionsRepublican · Texas
Brad ShermanDemocrat · California
David ScottDemocrat · Georgia
Marlin StutzmanRepublican · Indiana
Bryan SteilRepublican · Wisconsin
Rashida TlaibDemocrat · Michigan
Ritchie TorresDemocrat · New York
Nydia VelázquezDemocrat · New York
Maxine WatersDemocrat · California