Makes it illegal to charge unconscionably high sale prices or rents for single-family homes and rental units during a HUD-declared "affordable housing crisis," creates new HUD monitoring, enforcement, and data-collection units, requires multiple agency studies and reports on housing market manipulation and rental screening practices, and directs penalties to the Housing Trust Fund for very low- and extremely low-income housing. It also sets limits on concentrated purchases by single buyers or institutional investors, mandates rulemaking to protect renter rights for certain mortgage purchases by Government-Sponsored Enterprises, and funds a HUD investigation into market manipulation.