H.R. 6644: 21st Century ROAD to Housing Act
Plain-language summary
The 21st Century ROAD to Housing Act is a legislative package aimed at increasing the national housing supply and expanding access to mortgage lending. The bill incorporates numerous provisions, including several community banking measures designed to facilitate local housing construction and mortgage financing. It also mandates government studies on barriers to affordable housing for specific demographics and addresses issues related to residential property management and environmental proximity. The legislation was enacted into law on July 11, 2026.
Potential impact: The act primarily affects prospective homebuyers, community banks, and housing developers by altering lending regulations and market participation rules. It is intended to increase the overall availability of housing stock and provide additional support for borrowers facing financial delinquency.
Sponsored
Bill Highlights
- Restricts large institutional investors from purchasing single-family residential homes
- Incorporates nine community banking bills to expand local lending for housing construction and mortgages
- Requires the Government Accountability Office (GAO) to study obstacles to affordable housing for middle-income households
- Mandates a GAO study on barriers to supportive housing for older adults and individuals with disabilities
- Requires an assessment of residential housing units located within one mile of a Superfund hazardous waste site
- Establishes requirements for providing opportunities to borrowers who are 30 days or more delinquent on covered mortgage loans
How might this affect me?
See how this legislation might affect you, personalized based on your profile and the legislators you follow.
Positions on this bill
No recorded votes yet.