Sponsors (2)
Introduced December 1, 2025 by Lisa C. McClain · Last progress December 1, 2025
The bill directs substantial new federal support and regulatory reforms to accelerate housing production, disaster recovery, and targeted assistance for low‑income and rural communities while increasing federal spending, administrative requirements, privacy risks, and programmatic/legal uncertainties that could shift resources away from some persistently needy places or cause unintended local impacts.
Low- and moderate-income households, renters, and homeowners in disaster zones will get dedicated, long-term recovery funding, prioritized assistance (70% to LMI), and a new HUD Office to coordinate faster, more sustained rebuilds.
A range of reforms (permanent RAD authority, zoning guidance, NEPA streamlining, pre-reviewed design grants, HOME funding flexibility, and other incentives) aims to speed housing production, preserve and rehabilitate affordable units, and expand housing supply.
Homeowners facing delinquency get stronger foreclosure-mitigation counseling access — including paid counseling under FHA conditions and improved counselor quality oversight — increasing chances to avoid foreclosure.
Creating new long-term recovery funds, an Office of Disaster Management, open-ended HOME and HOME-like authorizations, and other program expansions could raise federal spending or redirect prior appropriations, increasing costs for taxpayers.
Making RAD authority open-ended and enabling broad conversions risks loss of deeply affordable public housing and tenant displacement if tenant protections and implementation details are insufficient, creating housing instability for low-income renters.
Expanded data-sharing (FEMA/SBA to HUD, HUD to grantees), broader privacy waivers, and increased use of integrated data/AI raise substantial privacy and rights risks for disaster survivors and other vulnerable populations if safeguards fail.
Based on analysis of 29 sections of legislative text.
Reorganizes federal housing policy: tightens counselor oversight, ties CDBG funding to housing growth, creates a long-term disaster recovery fund/program, updates FHA/CFPB authorities, and sets new state rules for manufactured homes.
Directs wide-ranging changes to federal housing programs and disaster recovery. It strengthens oversight of HUD housing-counseling programs, requires foreclosure-mitigation counseling for delinquent borrowers and authorizes payment for that counseling under FHA in certain cases; changes how Community Development Block Grant (CDBG) formula funds are allocated using local housing growth metrics; and creates a new Long-Term Disaster Recovery Fund and a separate CDBG disaster-recovery program to speed long-run recovery and mitigation after catastrophic disasters. Also updates FHA multifamily loan-limit authority and directs studies of loan rules, expands manufactured-housing coverage (including new state certification rules), requires CFPB study and possible rules to promote small-dollar mortgage lending, imposes new reporting and congressional testimony requirements for HUD and major federal mortgage programs, and establishes several interagency coordination, data-sharing, and demonstration initiatives (including rural and veteran-focused provisions). Many program rules, reporting deadlines, and regulatory authorities are added or changed across multiple agencies.