21st Century ROAD to Housing Act

Open the source documents

Earlier bill text · Enrolled bill text · Public law and enactment record

Follow this bill’s recorded passage votes

Compare provisions

9 paired provisions contain wording changes. Other matched provisions may have changed headings, numbers, or locations.

1. Wording changed

   EarlierSec. 1 · Short title; table of contents

   EnrolledSec. 1 · Short title; table of contents

   Paired by same section number and heading

   Show changed passages

   Earlier excerpt

   …) Short title This Act may be cited as the Housing for the 21st Century Act. (b) Table of contents…

   Enrolled excerpt

   …) Short title This Act may be cited as the 21st Century ROAD to Housing Act. (b)…

   Earlier excerpt

   …may be cited as the Housing for the 21st Century Act. (b) Table of contents The table…

   Enrolled excerpt

   …title This Act may be cited as the 21st Century ROAD to Housing Act. (b) Table of contents The table…

   Earlier excerpt

   …. 1. Short title; table of contents.Title I—Building Smarter for the 21st CenturySec. 101…

   Enrolled excerpt

   …. 1. Short title; table of contents. TITLE I—Opportunities for Housing Sec. 101. Reforms…

2. Wording changed · Number or location changed

   EarlierSec. 405 · Reforms to housing counseling and financial literacy programsIV Protecting Borrowers and Assisted Families

   EnrolledSec. 101 · Reforms to housing counseling and financial literacy programsI Opportunities for Housing

   Paired by unique heading

   Show changed passages

   Earlier excerpt

   (a) In general Section 106 of the Housing and Urban Development Act of…

   Enrolled excerpt

   Section 106 of the Housing and Urban Development Act of…

   Earlier excerpt

   …adding at the end the following: (6) Performance review The Secretary— (A) may conduct periodic on-site…

   Enrolled excerpt

   …adding at the end the following: (6) Reviews The Secretary— (A) may conduct periodic reviews…

   Earlier excerpt

   …review The Secretary— (A) may conduct periodic on-site reviews; and (B) shall conduct performance reviews…

   Enrolled excerpt

   …Reviews The Secretary— (A) may conduct periodic reviews; and (B) shall conduct performance reviews…

3. Wording changed · Number or location changed

   EarlierSec. 103 · Federal guidelines for point-access block buildingsI Building Smarter for the 21st Century

   EnrolledSec. 102 · Federal guidelines for point-access block buildingsI Opportunities for Housing

   Paired by unique heading

   Show changed passages

   Earlier excerpt

   …the guidelines under subsection (a), the Secretary shall consider— (1) fire safety considerations,…

   Enrolled excerpt

   …the guidelines under subsection (a), the Secretary of Housing and Urban Development shall consider— (1) fire safety considerations,…

   Earlier excerpt

   …cities in the United States; (5) examples single-stair codes used in relevant international standards; (6…

   Enrolled excerpt

   …cities in the United States; (5) examples of single-stair codes used in relevant international standards; (6…

   Earlier excerpt

   …active safety features. (c) Coordination with the International Code Council The Secretary shall coordinate with the International Code Council to…

   Enrolled excerpt

   …active safety features. (c) Coordination with the international code council The Secretary of Housing and Urban Development shall coordinate with…

4. Wording changed · Number or location changed

   EarlierSec. 407 · Temperature Sensor Pilot ProgramIV Protecting Borrowers and Assisted Families

   EnrolledSec. 106 · Temperature Sensor Pilot ProgramI Opportunities for Housing

   Paired by unique heading

   Show changed passages

   Earlier excerpt

   …of Housing and Urban Development shall establish a temperature sensor 3-year pilot program to provide grants to public housing agencies and…

   Enrolled excerpt

   …of Housing and Urban Development shall establish a temperature sensor pilot program to provide grants to public housing agencies and…

   Earlier excerpt

   …and owners of covered federally assisted rental dwelling units to install and test the efficacy of temperature sensors in residential…

   Enrolled excerpt

   …and owners of covered federally assisted rental dwelling units to acquire, install, and test the efficacy of approved temperature sensors…

   Earlier excerpt

   …owners of covered federally assisted rental dwelling units to install and test the efficacy of temperature sensors in residential dwelling…

   Enrolled excerpt

   …covered federally assisted rental dwelling units to acquire, install, and test the efficacy of approved temperature sensors in residential…

5. Wording changed · Heading changed · Number or location changed

   EarlierSec. 101 · Housing Supply FrameworksI Building Smarter for the 21st Century

   EnrolledSec. 107 · Housing supply frameworksI Opportunities for Housing

   Paired by unique heading

   Show changed passages

   Earlier excerpt

   …monthly income of the household. (2) Assistant Secretary The term Assistant Secretary means the Assistant Secretary for Policy…

   Enrolled excerpt

   …monthly income of the household. (2) Assistant secretary The term Assistant Secretary means the Assistant Secretary for Policy…

   Earlier excerpt

   …and guiding related policies and programs. (b) GUIDELINES ON STATE AND LOCAL ZONING FRAMEWORKS (1) In general Not later than 3 years…

   Enrolled excerpt

   …and guiding related policies and programs. (b) Guidelines on state and local zoning frameworks (1) In general Not later than 3 years…

   Earlier excerpt

   …affordable and market-rate housing developers, manufactured housing developers, and other business interests; (iii) community engagement…

   Enrolled excerpt

   …affordable and market-rate housing developers, manufactured housing developers, cooperative housing developers, and other business interests; (iii) community engagement…

6. Wording changed · Heading changed · Number or location changed

   EarlierSec. 102 · Accelerating home building grant programI Building Smarter for the 21st Century

   EnrolledSec. 209 · Accelerating Home Building ActII Building More in America

   Paired by strong text similarity

   Show changed passages

   Earlier excerpt

   …development on small parcels in previously established areas for replacement by new or refurbished housing that utilizes existing utilities and infrastructure…

   Enrolled excerpt

   …development on small parcels in previously established areas for replacement with new or refurbished housing that utilizes existing utilities and infrastructure…

   Earlier excerpt

   …levels of affordability in the community. (7) Pre-reviewed designs The term pre-reviewed designs, also known as pattern…

   Enrolled excerpt

   …levels of affordability in the community. (7) Prereviewed designs The term prereviewed designs, also known as pattern…

   Earlier excerpt

   …the community. (7) Pre-reviewed designs The term pre-reviewed designs, also known as pattern books, means sets…

   Enrolled excerpt

   …the community. (7) Prereviewed designs The term prereviewed designs, also known as pattern books, means sets…

7. Wording changed · Heading changed · Number or location changed

   EarlierSec. 106 · Multifamily loan limitsI Building Smarter for the 21st Century

   EnrolledSec. 211 · Housing Affordability ActII Building More in America

   Paired by strong text similarity

   Show changed passages

   Earlier excerpt

   …the end and inserting the following: , commencing on January 1, 2026. The adjustment of the Dollar Amounts…

   Enrolled excerpt

   …the end and inserting the following: , commencing on July 1, 2025. The adjustment of the Dollar Amounts…

   Earlier excerpt

   …inserting the following: , commencing on January 1, 2026. The adjustment of the Dollar Amounts shall be calculated…

   Enrolled excerpt

   …inserting the following: , commencing on July 1, 2025. The adjustment of the Dollar Amounts shall be calculated…

   Earlier excerpt

   …the year in which the adjustment is made, or calculated by the Secretary using an alternative indicator after publishing information…

   Enrolled excerpt

   …the year in which the adjustment is made, or by the Secretary using an alternative indicator after publishing information…

8. Wording changed · Heading changed · Number or location changed

   EarlierSec. 402 · Military service questionIV Protecting Borrowers and Assisted Families

   EnrolledSec. 601 · Military Service QuestionVI Veterans and Housing

   Paired by unique heading

   Show changed passages

   Earlier excerpt

   …regulation or order, require each enterprise to include a disclaimer below the military service question on the form known as…

   Enrolled excerpt

   …regulation or order, require each enterprise to include a disclosure below the military service question, which shall be above…

   Earlier excerpt

   …enterprise to include a disclaimer below the military service question on the form known as the Uniform Residential Loan Application…

   Enrolled excerpt

   …enterprise to include a disclosure below the military service question, which shall be above the signature line, on the form known as the Uniform Residential Loan Application…

   Earlier excerpt

   …the United States shall conduct a study and submit to the Congress a report on whether or not less than 80…

   Enrolled excerpt

   …the United States shall conduct a study and submit to Congress a report on whether or not less than 80…

9. Wording changed · Heading changed · Number or location changed

   EarlierSec. 501 · Requirement to testifyV Enhancing Oversight of Housing Providers

   EnrolledSec. 701 · Requiring annual testimony and oversight from housing regulatorsVII Oversight and Accountability

   Paired by strong text similarity

   Show changed passages

   Earlier excerpt

   …) is amended by adding at the end the following new subsection: (u) Annual testimony The Secretary shall appear…

   Enrolled excerpt

   …) is amended by adding at the end the following: (u) Annual testimony The Secretary shall appear…

   Earlier excerpt

   …Annual testimony The Secretary shall appear before the Committee on Financial Services of the House of Representatives and the Committee…

   Enrolled excerpt

   …Annual testimony The Secretary shall appear before the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives at an annual…

   Earlier excerpt

   …the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate at an annual hearing and present testimony regarding the operations…

   Enrolled excerpt

   …the Committee on Financial Services of the House of Representatives at an annual hearing and present testimony regarding the operations…

Earlier provisions without a confident pair · 19

These provisions are listed in their source order. Some may correspond to differently worded or reorganized provisions in the other version.

1. Sec. 104 · Unlocking Housing Supply Through Streamlined and Modernized ReviewsI Building Smarter for the 21st Century

   (a) NEPA streamlining for HUD housing-Related activities (1) In general The Secretary of Housing and Urban Development shall,…

2. Sec. 105 · Federal Housing Agency Application of Environmental ReviewsI Building Smarter for the 21st Century

   (a) In general Not later than 180 days after the date of enactment of this Act, the Secretary…

3. Sec. 107 · GAO studiesI Building Smarter for the 21st Century

   (a) Workforce housing study (1) In general Not later than 1 year after the date of the enactment…

4. Sec. 201 · HOME ReformII Modernizing Local Development and Rural Housing Programs

   (a) In general Section 104 of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12704) is amended— (1)…

5. Sec. 202 · Community Development Fund AmendmentsII Modernizing Local Development and Rural Housing Programs

   (a) Identifying Regulatory Barriers to Housing Supply Section 104 of the Housing and Community Development Act of 1974…

6. Sec. 203 · Planning and implementation grants for affordable housingII Modernizing Local Development and Rural Housing Programs

   (a) Planning grants Not later than 1 year after the date of the enactment if this section, the…

7. Sec. 204 · Rural housing service program improvementsII Modernizing Local Development and Rural Housing Programs

   (a) In general Section 504(a) of the Housing Act of 1949 (42 U.S.C. 1474(a)) is amended— (1) in…

8. Sec. 205 · Choice in Affordable HousingII Modernizing Local Development and Rural Housing Programs

   (a) Pre-Approval of units Section 8(o)(8)(A) of the United States Housing Act of 1937 (42 U.S.C. 1437f(o)(8)(A)) is…

9. Sec. 301 · Manufactured Housing InnovationsIII Expanding Manufactured and Affordable Housing Finance Opportunities

   (a) In general Section 603(6) of the National Manufactured Housing Construction and Safety Standards Act of 1974 (42…

10. Sec. 302 · FHA small-dollar mortgages studyIII Expanding Manufactured and Affordable Housing Finance Opportunities

    (a) In general Not later than 1 year after the date of the enactment of this section, the…

11. Sec. 401 · Exclusion of certain disability benefitsIV Protecting Borrowers and Assisted Families

    (a) In general Section 3(b)(4)(B) of the United States Housing Act of 1937 (42 U.S.C. 1437a(b)(4)(B)) is amended—…

12. Sec. 403 · HUD–USDA–VA Interagency CoordinationIV Protecting Borrowers and Assisted Families

    (a) Memorandum of understanding Not later than 180 days after the date of enactment of this Act, the…

13. Sec. 404 · Family self-sufficiency escrow expansion pilot programIV Protecting Borrowers and Assisted Families

    Title I of the of the United States Housing Act of 1937 (42 U.S.C. 1437 et seq.) is…

14. Sec. 406 · Establishment of eviction helplineIV Protecting Borrowers and Assisted Families

    (a) In general The Secretary of Housing and Urban Development shall, not later than 1 year after the…

15. Sec. 408 · GAO studiesIV Protecting Borrowers and Assisted Families

    (a) Report to Congress Not later than 1 year after the date of the enactment of this act,…

16. Sec. 502 · Disclosure requiredV Enhancing Oversight of Housing Providers

    The Secretary of Housing and Urban Development shall, not later than 1 year after the date of the…

17. Sec. 503 · Investigation and report to CongressV Enhancing Oversight of Housing Providers

    (a) Investigation The Inspector General of the Department of Housing and Urban Development shall conduct an investigation of…

18. Sec. 504 · Federal monitor and receiver testimonyV Enhancing Oversight of Housing Providers

    Not later than October 1 of each year, any Federal monitor or receiver that has provided oversight of…

19. Sec. 505 · Annual testimonyV Enhancing Oversight of Housing Providers

    Section 203(a) of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11313(a)) is amended— (1) in paragraph (12) by…

Enrolled provisions without a confident pair · 51

These provisions are listed in their source order. Some may correspond to differently worded or reorganized provisions in the other version.

1. Sec. 103 · Exemption on construction or modification of residential housing located on an infill siteI Opportunities for Housing

   (a) Exemption In providing assistance under section 501, 502, 504, 515, 533, or 538 of the Housing Act…

2. Sec. 104 · Database of publicly owned landI Opportunities for Housing

   (a) In general Section 104(b) of the Housing and Community Development Act of 1974 (42 U.S.C. 5304(b)) is…

3. Sec. 105 · FHA Small-Dollar MortgagesI Opportunities for Housing

   (a) In general Not later than 1 year after the date of the enactment of this section, the…

4. Sec. 201 · Increasing housing in opportunity zonesII Building More in America

   (a) Covered grant defined In this section, the term covered grant means any competitive grant relating to the…

5. Sec. 202 · Whole-Home Repairs ActII Building More in America

   (a) Definitions In this section: (1) Affordable unit The term affordable unit means a unit for which the…

6. Sec. 203 · Community Investment and Prosperity ActII Building More in America

   (a) Revised Statutes The paragraph designated as the Eleventh of section 5136 of the Revised Statutes of the…

7. Sec. 204 · Addition of affordable housing construction as an eligible activityII Building More in America

   (a) Eligible activity Section 105(a) of the Housing and Community Development Act of 1974 (42 U.S.C. 5305(a)), as…

8. Sec. 205 · Better Use of Intergovernmental and Local Development (BUILD) Housing ActII Building More in America

   (a) Designation of environmental review procedure The Department of Housing and Urban Development Act (42 U.S.C. 3531 et…

9. Sec. 206 · Unlocking Housing Supply Through Streamlined and Modernized Reviews ActII Building More in America

   (a) Definitions In this section: (1) Infill project The term infill project means a project that— (A) occurs…

10. Sec. 207 · Grants for planning and implementation associated with affordable housingII Building More in America

    (a) Definitions In this section: (1) Eligible entity The term eligible entity means— (A) a State, insular area,…

11. Sec. 208 · Innovation FundII Building More in America

    (a) Definitions In this section: (1) Attainable housing The term attainable housing means housing that serves households earning…

12. Sec. 210 · Revitalizing Empty Structures Into Desirable Environments (RESIDE) ActII Building More in America

    (a) In general Subtitle A of title II of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12741…

13. Sec. 212 · Rental Assistance Demonstration ProgramII Building More in America

    The language under the heading Rental Assistance Demonstration in the Department of Housing and Urban Development Appropriations Act,…

14. Sec. 213 · Build Now ActII Building More in America

    (a) Definitions In this section: (1) Covered recipient The term covered recipient means a metropolitan city or urban…

15. Sec. 301 · Housing Supply Expansion ActIII Manufactured Housing for America

    (a) In general Section 603(6) of the National Manufactured Housing Construction and Safety Standards Act of 1974 (42…

16. Sec. 302 · Modular Housing Production ActIII Manufactured Housing for America

    (a) Definitions In this section: (1) Manufactured home The term manufactured home has the meaning given the term…

17. Sec. 303 · Property Improvement and Manufactured Housing Loan Modernization ActIII Manufactured Housing for America

    (a) National Housing Act amendments (1) In general Section 2 of the National Housing Act (12 U.S.C. 1703)…

18. Sec. 304 · PRICE ActIII Manufactured Housing for America

    (a) In general Title I of the Housing and Community Development Act of 1974 (42 U.S.C. 5301 et…

19. Sec. 401 · Creating incentives for small-dollar loan originatorsIV Accessing the American Dream

    (a) Definitions In this section: (1) Director The term Director means the Director of the Bureau of Consumer…

20. Sec. 402 · Small-dollar mortgage points and feesIV Accessing the American Dream

    (a) Small-dollar mortgage defined In this section, the term small-dollar mortgage means a mortgage with an original principal…

21. Sec. 403 · Appraisal Industry Improvement ActIV Accessing the American Dream

    (a) Appraisal standards (1) Certification or licensing (A) In general Section 202(g)(5) of the National Housing Act (12…

22. Sec. 404 · Helping More Families Save ActIV Accessing the American Dream

    Section 23 of the United States Housing Act of 1937 (42 U.S.C. 1437u) is amended by adding at…

23. Sec. 405 · Choice in Affordable Housing ActIV Accessing the American Dream

    (a) Satisfaction of inspection requirements through participation in other housing programs Section 8(o)(8) of the United States Housing…

24. Sec. 501 · HOME Investment Partnerships Reauthorization and Reform ActV Program Reform

    (a) Authorization Section 205 of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12724) is amended to read…

25. Sec. 502 · Rural Housing Service Reform ActV Program Reform

    (a) Application of multifamily mortgage foreclosure procedures to multifamily mortgages held by the Secretary of Agriculture and preservation…

26. Sec. 503 · Incentivizing local solutions to homelessnessV Program Reform

    Section 414 of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11373) is amended by adding at the end…

27. Sec. 504 · Reforming Disaster Recovery ActV Program Reform

    (a) Definitions In this section: (1) Department The term Department means the Department of Housing and Urban Development.…

28. Sec. 505 · New Moving to Work cohortV Program Reform

    (a) Definitions In this section: (1) Moving to Work demonstration The term Moving to Work demonstration means the…

29. Sec. 602 · Housing Unhoused Disabled Veterans ActVI Veterans and Housing

    (a) Exclusion of certain disability benefits Section 3(b)(4)(B) of the United States Housing Act of 1937 (42 U.S.C.…

30. Sec. 603 · Veterans Affairs Loan Informed Disclosure (VALID) ActVI Veterans and Housing

    (a) FHA informed consumer choice disclosure (1) Inclusion of information relating to VA loans Subparagraph (A) of section…

31. Sec. 702 · FHA reporting requirements on safety and soundnessVII Oversight and Accountability

    Section 202(a) of the National Housing Act (12 U.S.C. 1708(a)) is amended by adding at the end the…

32. Sec. 703 · United States Interagency Council on Homelessness oversightVII Oversight and Accountability

    Section 203(a) of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11313(a)) is amended— (1) in paragraph (1)— (A)…

33. Sec. 704 · Appraisal Modernization ActVII Oversight and Accountability

    (a) Reconsideration of value (1) Federally backed mortgage loan defined In this subsection, the term federally backed mortgage…

34. Sec. 801 · HUD–USDA–VA Interagency Coordination ActVIII Accountability, Coordination, Studies, and Reporting

    (a) Memorandum of understanding The Secretary of Housing and Urban Development, the Secretary of Agriculture, and the Secretary…

35. Sec. 802 · Streamlining Rural Housing ActVIII Accountability, Coordination, Studies, and Reporting

    (a) In general Not later than 180 days after the date of enactment of this Act, the Secretary…

36. Sec. 803 · Improving self-sufficiency of families in HUD-subsidized housingVIII Accountability, Coordination, Studies, and Reporting

    (a) In general (1) Study Subject to subsection (b), the Secretary of Housing and Urban Development shall conduct…

37. Sec. 804 · GAO studiesVIII Accountability, Coordination, Studies, and Reporting

    (a) Workforce housing study (1) Middle-income household defined In this subsection, the term middle-income household means a household…

38. Sec. 805 · Improving public housing agency accountabilityVIII Accountability, Coordination, Studies, and Reporting

    (a) Definitions In this section: (1) Covered public housing agency The term covered public housing agency means a…

39. Sec. 901 · Community bank deposit accessIX Strengthening Community Banks’ Role in Housing

    (a) In general Section 29 of the Federal Deposit Insurance Act (12 U.S.C. 1831f) is amended by adding…

40. Sec. 902 · Keeping deposits localIX Strengthening Community Banks’ Role in Housing

    (a) Amount of reciprocal deposits that are not considered to be funds obtained by or through a deposit…

41. Sec. 903 · Tailored regulatory updates for supervisory testingIX Strengthening Community Banks’ Role in Housing

    Section 10(d) of the Federal Deposit Insurance Act (12 U.S.C. 1820(d)) is amended— (1) in paragraph (4)(A), by…

42. Sec. 904 · Credit union board modernizationIX Strengthening Community Banks’ Role in Housing

    Section 113 of the Federal Credit Union Act (12 U.S.C. 1761b) is amended— (1) by striking monthly each…

43. Sec. 905 · Systemic risk authority transparencyIX Strengthening Community Banks’ Role in Housing

    (a) GAO review Section 13(c)(4)(G)(iv) of the Federal Deposit Insurance Act (12 U.S.C. 1823(c)(4)(G)(iv)) is amended to read…

44. Sec. 906 · Advancing the mentor-protégé program for small financial institutionsIX Strengthening Community Banks’ Role in Housing

    Section 308 of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (12 U.S.C. 1463 note) is…

45. Sec. 907 · American access to bankingIX Strengthening Community Banks’ Role in Housing

    (a) Streamlining application process and review of capital raising by de novo regulated institutions (1) In general Each…

46. Sec. 908 · Promoting new bank formationIX Strengthening Community Banks’ Role in Housing

    (a) Pilot phase-in of capital standards The Federal banking agencies may issue rules that provide for a 2-year…

47. Sec. 909 · Rural depositories revitalization studyIX Strengthening Community Banks’ Role in Housing

    (a) Study The Federal banking agencies shall, jointly, carry out a study— (1) to identify methods to improve…

48. Sec. 1001 · Homes are for people, not corporationsX Home-ownership for Main Street America

    (a) Definitions In this section: (1) Consumer reporting agency The term consumer reporting agency has the meaning given…

49. Sec. 1101 · Central bank digital currencyXI Central bank digital currency

    The Federal Reserve Act (12 U.S.C. 221 et seq.) is amended by inserting after section 16 (12 U.S.C.…

50. Sec. 1201 · SeverabilityXII Miscellaneous

    If any provision of this Act, or the application thereof to any person or circumstance, is held invalid,…

51. Sec. 1202 · No additional funds authorizedXII Miscellaneous

    No additional funds are authorized to be appropriated to carry out the requirements of this Act or any…