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Title page 1

Contents 3

Summary 2

Introduction 5

Version Differences 6

Summary of the Housing for the 21st Century Act (H.R. 6644) 6

Title I: Building Smarter for the 21st Century 6

Section 101. Housing Supply Frameworks 6

Section 102. Accelerating Home Building Grant Program 7

Section 103. Federal Guidelines for Point-Access Block Buildings 7

Section 104. Unlocking Housing Supply Through Streamlined and Modernized Reviews 8

Section 105. Federal Housing Agency Application of Environmental Reviews 11

Section 106. Multifamily Loan Limits 12

Section 107. GAO Study on Workforce Housing 12

Title II: Modernizing Local Development and Rural Housing Programs 13

Section 201. HOME Reform 13

Section 202. Community Development Fund Amendments 15

Section 203. Grants for Planning and Implementation Associated with Affordable Housing 16

Section 204. Rural Housing Service Program Improvements 16

Section 205. Choice in Affordable Housing 17

Title III: Expanding Manufactured and Affordable Housing Finance Opportunities 17

Section 301. Manufactured Housing Innovations 17

Section 302. FHA Small-Dollar Mortgages 18

Section 303. Community Investment and Prosperity 19

Title IV: Protecting Borrowers and Assisted Families 20

Section 401. Exclusion of Certain Disability Benefits 20

Section 402. Military Service Question 20

Section 403. HUD-USDA-VA Interagency Coordination 21

Section 404. Family Self-Sufficiency Escrow Expansion Pilot Program 21

Section 405. Reforms to Housing Counseling and Financial Literacy Programs 21

Section 406. Establishment of Eviction Helpline 22

Section 407. Temperature Sensor Pilot Program 22

Section 408. GAO Studies 22

Title V: Enhancing Oversight of Housing Providers 23

Section 501. Requirement to Testify 23

Section 502. Improving Public Housing Agency Accountability 23

Title VI: Strengthening Community Banks' Role in Housing 23

Section 601. Community Bank Deposit Access 23

Section 602. Keeping Deposits Local 24

Section 603. Supervisory Modifications for Appropriate Risk-Based Testing 25

Section 604. Tailored Regulatory Updates for Supervisory Testing 25

Section 605. Credit Union Modernization Act 26

Section 606. Systemic Risk Authority Transparency 26

Section 607. Least Cost Exception 27

Section 608. Failing Bank Acquisition Fairness 27

Section 609. Advancing the Mentor-Protege Program for Small Financial Institutions 28

Section 610. American Access to Banking 28

Section 611. Promoting New Bank Formation 29

Section 612. Rural Depositories Revitalization Study 29

Section 613. Discretionary Surplus Fund 29

Appendix. Comparison of the Housing for the 21st Century Act (H.R. 6644, as engrossed in the House) and the ROAD to Housing Act of 2025... 30

Author Information 39

Disclaimer 39

Appendix Tables 4

Table A-1. Side-by-Side Comparison of Provisions in the Housing for the 21st Century Act and the ROAD to Housing Act 31

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