Track bills, resolutions, and amendments moving through Congress
Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act of 2026
The bill increases and protects benefits for veterans and expands home‑loan access for reservists while preserving near‑term fee and limit stability, but it raises federal costs, creates some long‑term uncertainty about indexing and limits, and shifts administrative and cost burdens onto new loan users and program administrators.
Tribal Trust Land Homeownership Act of 2025
The bill standardizes definitions, enforces deadlines, digitizes communications, and creates oversight to speed and clarify mortgage processing on Indian trust land—benefiting borrowers, tribes, and lenders—while imposing administrative and technology costs, potential procedural rigidity, privacy risks, and the danger that strict deadlines or under-resourced enforcement could produce errors or bottlenecks.
VSAFE Act of 2025
The bill keeps veterans' benefits flowing and creates a centralized, better-resourced VA fraud-response pathway in the near term, but does so without new staffing, raises privacy and complexity risks, and leaves the program time-limited unless Congress acts again.
Servicemember Residence Protection Act
The bill protects deployed servicemembers' property rights and provides timely guidance to manage vacant homes, while imposing modest administrative costs and creating potential delays for adverse-possession claimants and risk of quickly produced (and later revised) guidance.
Homebuyers Privacy Protection Act
The bill gives mortgage applicants stronger control and greater privacy over prescreened credit reports and creates a government study of text-message trigger leads, but it raises compliance and operational costs for lenders and consumer-reporting agencies (which may be passed to consumers) and could narrow the number of prescreened mortgage offers available to some borrowers.
Property Improvement and Manufactured Housing Loan Modernization Act of 2025
The bill expands FHA-backed financing and mandates study of factory-built housing to improve affordability and housing supply, while increasing HUD discretion and potential taxpayer risk and creating some implementation and local-acceptance challenges.
American Housing and Economic Mobility Act of 2025
The bill directs substantial federal funding and new rules to expand affordable, accessible, and fair housing and to increase banking/community accountability — trading off higher federal spending, increased construction and compliance costs, and greater regulatory and tax burdens that could slow some private investment and create administrative challenges.
SAFE Banking Act of 2026
The bill substantially expands banking, payment, and mortgage access for state‑sanctioned cannabis and hemp markets and increases regulatory clarity, at the cost of higher compliance burdens, privacy/surveillance trade‑offs, persistent federal–state legal tensions, and some increased taxpayer or financial‑stability exposure.
Servicemember Residence Protection Act of 2026
The bill protects servicemembers' homeownership and clarifies leasing/tenant rights while providing quick VA guidance, but it can delay final resolution of property claims for others, doesn't eliminate the need for litigation in some disputes, and imposes a near-term administrative burden on agencies.
Home Equity Lending Integrity Act
The bill extends federal TILA protections and regulatory clarity to home-equity investment products—improving consumer remedies and predictability—while risking higher compliance and litigation costs and reduced product availability that could raise prices or limit options for some homeowners.
Volunteer First Responder Housing Act
The bill provides tangible financial and housing benefits and a standardized verification path to support and reward volunteer first responders, but does so with eligibility rules that may exclude many volunteers and with administrative and fiscal costs that could shift burdens to taxpayers and local/federal implementers.
Homeowners’ Escrow Savings Act
The bill gives homeowners modest, more predictable financial benefits and preserves stronger state protections by requiring monthly interest credits and clearer escrow estimates, at the expense of increased compliance and technology costs for servicers that may be passed back to borrowers.
VA Appraisal Modernization Act
The bill aims to speed and improve VA home-loan appraisals by raising pay for appraisers and increasing transparency, but it does so at the cost of higher and potentially growing program expenditures, market unpredictability for providers, and short-term administrative strain.
American Homeownership Act
The bill shifts tax benefits away from large/institutional owners and toward HOME rental production and homebuyer grants while strengthening antitrust oversight—boosting funding and protections for lower‑income renters and some buyers but increasing taxes on big owners, adding compliance burdens, and risking reduced private investment and higher rents in some markets.
More Homes on the Market Act
The bill gives many homeowners — especially middle‑class sellers and seniors — larger, inflation‑protected capital‑gain exclusions that cut taxes, at the cost of reduced federal revenue, distributional bias toward existing homeowners over renters, and some transition/administrative complexity.
Federal Worker Mortgage Forbearance Act
The bill protects covered federal employees and eligible contractors from foreclosure and credit harm during a funding lapse by mandating 90-day forbearances and reporting protections, but it creates compliance and financial burdens for servicers, raises retroactive legal complexity, and introduces criminal-liability risks for applicants.
Federal Employees Civil Relief Act
The bill offers broad, legally enforceable short‑term financial and procedural protections for federal workers and contractors during shutdowns—shielding pay, benefits, housing, and debt obligations—while shifting costs, administrative burdens, and litigation risk onto creditors, insurers, courts, and ultimately taxpayers.
Uplifting First-Time Homebuyers Act of 2025
The bill makes it easier and cheaper for first-time homebuyers to tap IRA savings for down payments (up to $50,000), trading off reduced long-term retirement savings for individuals and modest federal revenue and administrative costs.
VA Extenders Act of 2025
The bill avoids immediate gaps by extending a wide range of VA health, housing, oversight, and loan authorities through 2026, but does so largely through short‑term extensions and revenue/administrative measures that shift costs to veterans and delay permanent reforms.
HOME Act of 2025
The bill increases federal monitoring, reporting, and enforcement capacity to curb investor-driven price manipulation and discriminatory screening—providing renters and underserved communities more protection and market transparency—while raising privacy, compliance, and short-term market‑liquidity risks and adding federal costs.
ROAD to Housing Act of 2025
This bill aims to accelerate housing production, preserve affordable units, and strengthen disaster recovery and program oversight—benefiting renters, low-income households, rural areas, and veterans—but does so by increasing federal spending and administrative complexity while raising privacy, environmental, tenant‑mobility, and provider‑incentive risks that could produce uneven local impacts.
21st Century Mortgage Act of 2025
The bill lets crypto holders use qualifying digital assets to qualify for mortgages and creates clearer custody rules and oversight, but it increases exposure to crypto volatility and adds compliance costs that could raise risks and costs for borrowers, lenders, and taxpayers.
First-Time Homebuyer Tax Credit Act of 2025
The bill makes homeownership materially more affordable for targeted first‑time buyers via a refundable, transferable credit, but it raises federal costs, limits eligibility to certain financing, and creates potential recapture and compliance risks for buyers and lenders.
Appraisal Modernization Act
The bill trades greater transparency, regulatory access, and consumer recourse to detect and correct discriminatory or inaccurate appraisals against heightened privacy risks, added costs and compliance burdens for lenders and agencies, and potential implementation delays.
VALID Act of 2025
The bill improves identification of veterans and awareness of VA mortgage options—helping target benefits and inform borrowers—while imposing modest compliance costs, privacy risks, possible borrower confusion from wording, and a tight implementation timeline.
Veterans Housing Stability Act of 2025
The bill helps veterans avoid foreclosure by allowing the VA to buy portions of unpaid principal and offer interest-free repayment, but it increases federal fiscal exposure, limits judicial review, and creates potential collection and compliance risks for veterans and lenders.
Housing Affordability Act
Raising FHA multifamily loan caps and requiring HUD to publish adjusted amounts may increase rental housing supply and financing transparency, but risks higher rents for tenants, greater taxpayer exposure, and added administrative burdens.
Manufactured Housing Tenant’s Bill of Rights Act of 2025
The bill strengthens tenant protections and improves mortgage access for manufactured-home residents while relying on incentives and agency reallocation — but it also creates compliance costs, potential rent pass-throughs, risks to housing supply, and implementation strains that could delay or blunt its benefits.
GREEN Appraisals Act of 2025
The bill makes property energy information more accessible and ensures energy reports are considered (benefiting buyers, homeowners, and efficiency markets) while imposing compliance, training, and administrative costs that may raise fees, slow processing, and introduce short-term valuation uncertainty.
Delivering Priority Legislation Act
The bill expands supports for small businesses, youth outdoor access, national-security capabilities, consumer relief (hearing aids, mortgage assumption), and election integrity, but it raises federal spending and taxpayer exposure, concentrates certain procedural powers, creates privacy and administrative risks, and shifts costs or burdens onto agencies, employers, and some households.
