Creates a HUD pilot program that lets up to 25 selected entities open interest-bearing escrow accounts for families receiving Section 8 or Section 9 rental assistance. Escrow deposits will equal the rent increase caused by earned-income gains; families can withdraw funds under specified conditions. The Department of Housing and Urban Development must run a competition to select participants, notify families with an opt-out option, study outcomes, and is authorized $5,000,000 for FY2026 for technical assistance and evaluation.