crs_reports: R49354

Congressional Research Service reports with summaries, authors, and topic classifications.

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R49354 The 21st Century ROAD to Housing Act (P.L. 119-101) 2026-09-17T04:00:00Z 2026-09-19T11:23:15Z Active Reports Henry G. Watson, Katie Jones, Maggie McCarty   The 21st Century ROAD to Housing Act (P.L. 119-101) was enacted at a time of increasing concerns about the affordability of both rental housing and homeownership and the extent to which insufficient housing supply may be contributing to affordability pressures. Both the 118th and 119th Congresses held numerous hearings to explore these concerns. P.L. 119-101 represents a compromise between two bills that were separately introduced and considered in the House and Senate: the Renewing Opportunity in the American Dream to Housing Act of 2025 (S. 2651, also known as the ROAD to Housing Act of 2025); and the Housing for the 21st Century Act (H.R. 6644). Both of these bills included a number of sections that, in many cases, were similar or identical to standalone housing bills that had been introduced previously, often with bipartisan cosponsorship by members of the relevant authorizing committees. P.L. 119-101 was enacted on July 11, 2026, after passing with bipartisan support in both the Senate (85-5) and the House (358-32). The law contains 12 titles comprising 59 sections. It addresses a range of housing issues, including creating new incentives for permitting reform through community planning and development grants, addressing assisted housing inspection and environmental review procedures, removing the requirement that manufactured homes be built on a “permanent” chassis, and increasing Federal Housing Administration (FHA) multifamily loan limits. It authorizes or reauthorizes versions of several existing programs, including the HOME Investment Partnerships grant program, the Community Development Block Grant-Disaster Recovery (CDBG-DR) grant program, and a suite of rural multifamily housing preservation tools under the Multifamily Preservation and Revitalization demonstration. It also authorizes several new competitive grant programs and pilot programs, including an FHA Small Dollar Loan pilot, a Whole Home Repairs grant pilot, and a temperature sensor pilot for federally assisted housing. It revises several existing federal programs and permitting requirements, and requires a number of studies, reports, and best practice documents. The law also modifies certain banking regulations, bans large institutional investors from acquiring additional single-family homes, and prohibits the creation of a central bank digital currency. https://www.congress.gov/crs_external_products/R/PDF/R49354/R49354.1.pdf https://www.congress.gov/crs_external_products/R/HTML/R49354.html

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