Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment.

Bill Number: H.Res. 1299
Origin Chamber: House
Congress: 119th Congress, Session 2
Policy Area: Housing and Community Development
Status: Passed House
Latest Action: 2026-05-20: Motion to reconsider laid on the table Agreed to without objection.
Last Updated: 2026-06-18T15:50:50Z

AI-Generated Summary

Summary of H. Res. 1299 (119th Congress) – 21st Century ROAD to Housing Act

Purpose of the Legislation This resolution adopts the Senate amendment to H.R. 6644 with a House amendment, enacting the "21st Century ROAD to Housing Act." The Act aims to increase housing supply and affordability, reform existing housing programs, support homeownership, modernize manufactured and modular housing, protect veterans and disabled individuals, strengthen community banks, limit certain institutional purchases of single-family homes, and impose a temporary prohibition on central bank digital currency (CBDC) issuance.

Key Provisions Outlined

Title I (Opportunities for Housing): Reforms housing counseling programs, establishes federal guidelines and grants for point-access block buildings, exempts certain infill residential projects from environmental reviews, creates a database of publicly owned land, launches a pilot for FHA small-dollar mortgages and temperature sensors in assisted housing, and requires guidelines on state/local zoning frameworks.
Title II (Building More in America): Prioritizes housing grants in opportunity zones, creates a whole-home repairs pilot program, expands public welfare investment limits and CDBG-eligible activities to include new affordable housing construction, streamlines environmental reviews (including NEPA), provides grants for housing planning and innovation, accelerates home building through prereviewed designs, and updates FHA mortgage limits.
Title III (Manufactured Housing for America): Expands the definition of manufactured homes to include those without a permanent chassis, requires state certifications for parity in treatment, modernizes FHA loan limits for manufactured and modular homes, and authorizes studies on offsite construction.
Title IV (Accessing the American Dream): Creates incentives and reporting on small-dollar mortgage originators, evaluates points-and-fees thresholds, improves appraisal standards and workforce grants, establishes an escrow expansion pilot for HUD-assisted families, and allows certain inspections to satisfy requirements for tenant-based assistance.
Title V (Program Reform): Reauthorizes and reforms the HOME Investment Partnerships program, reforms Rural Housing Service programs (including preservation, vouchers, and loan extensions), and authorizes waivers for homelessness funding caps.
Title VI (Veterans and Housing): Requires a military service disclosure on loan applications and excludes certain VA disability benefits from income calculations for supported housing programs.
Title VII (Oversight and Accountability): Requires annual testimony by the HUD Secretary, monthly FHA capital ratio reports, USICH oversight enhancements, and appraisal modernization measures.
Title VIII (Accountability, Coordination, Studies, and Reporting): Mandates interagency coordination among HUD, USDA, and VA; streamlines rural housing processes; requires studies on self-sufficiency, workforce housing, elderly/disabled housing, and heirs' property; and enhances public housing agency transparency.
Title IX (Strengthening Community Banks' Role in Housing): Provides exceptions for custodial deposits, adjusts reciprocal deposit limits, raises examination thresholds, modernizes credit union boards, enhances systemic risk transparency, creates a least-cost exception for resolutions, limits certain failing-bank acquisitions by large banks, establishes mentor-protégé and de novo formation programs, and reduces the Federal Reserve surplus fund.
Title X (Home-Ownership for Main Street America): Prohibits large institutional investors from purchasing single-family homes (with exceptions for new construction, renovations, build-to-rent, and certain loss-mitigation activities), establishes a renter outreach resource, and requires studies on institutional ownership.
Title XI (Central Bank Digital Currency): Prohibits the Federal Reserve from issuing a CBDC or substantially similar digital asset (with limited exceptions) until December 31, 2030.
Title XII (Miscellaneous): Includes severability and no-additional-funds provisions.

Significant Changes to Existing Law Introduced

Amends the National Housing Act, Housing Act of 1949, Cranston-Gonzalez National Affordable Housing Act, McKinney-Vento Homeless Assistance Act, Federal Deposit Insurance Act, Bank Holding Company Act of 1956, and other statutes.
Updates loan limits, environmental review procedures (including new categorical exclusions and interagency coordination), zoning guidelines, appraisal requirements, and deposit insurance rules.
Introduces new pilots, grant programs, and reporting mandates while expanding eligible activities under CDBG and HOME.
Temporarily restricts CBDC issuance absent congressional authorization.
Modifies income calculations, inspection rules, and institutional investment thresholds.

Potential Impacts on Government Agencies, Citizens, or International Relations

Government agencies: Increases responsibilities for HUD, USDA Rural Housing Service, VA, Federal Reserve, FDIC, and state regulators through new reporting, coordination, pilots, and oversight duties; streamlines some environmental and inspection processes.
Citizens: Aims to expand housing supply and affordability, improve access for low- and moderate-income households, veterans, and disabled individuals, support small-dollar lending and home repairs, and enhance renter protections and transparency.
International relations: Encourages coordination with the International Code Council on building standards but includes a rule of construction preserving state and local codes.

Main Stakeholders Affected

Homebuyers, renters, homeowners, and low-income families.
Veterans, disabled individuals, and unhoused populations.
Public housing agencies, community development organizations, and housing counselors.
Community banks, credit unions, and small financial institutions.
Large institutional investors in single-family homes.
Federal agencies (HUD, USDA, VA, Federal Reserve, FDIC) and state/local governments.
Appraisal industry professionals and manufactured/modular housing developers.

Notable Legal, Constitutional, or Political Implications

Expands use of waivers and streamlined reviews under NEPA and related statutes while maintaining fair housing, labor, and environmental protections.
Introduces new exceptions to concentration limits and least-cost resolution rules in banking law.
Includes severability clause and explicit rules of construction to preserve state/local authority.
Requires extensive studies, reports, and congressional testimony, potentially affecting future legislative and regulatory actions.

This summary was generated by AI and may contain inaccuracies. Refer to the official source document for the authoritative text.

Sponsor

Rep. Hill, J. French [R-AR-2]

Cosponsors (1)

Rep. Waters, Maxine [D-CA-43]

Recent Actions

2026-05-20: Motion to reconsider laid on the table Agreed to without objection.
2026-05-20: 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). (Roll call 176)
2026-05-20: 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). (Roll call 176)
2026-05-20: Considered as unfinished business.
2026-05-19: 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.
2026-05-19: DEBATE - The House proceeded with forty minutes of debate on H. Res. 1299.
2026-05-19: Considered under suspension of the rules. (consideration: CR H3588-3624; text: CR H3588-3619)
2026-05-19: Mr. Hill (AR) moved to suspend the rules and agree to the resolution.
2026-05-19: Referred to the House Committee on Rules.
2026-05-19: Submitted in House

Bill Versions

Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment. — issued 2026-05-20 — PDF (289 pages)
Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment. — issued 2026-05-19 — PDF (311 pages)