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Bill > HR6644


US HR6644

US HR6644
21st Century ROAD to Housing Act


summary

Introduced
12/11/2025
In Committee
12/17/2025
Crossed Over
02/11/2026
Passed
Dead

Introduced Session

119th Congress

Bill Summary

concurrent resolution on the budget are designated by the Congress as being for an emergency requirement pursuant to section 4001(a)(1) of S. Con. Res. 14 (117th Congress), the concurrent resolution on the budget for fiscal year 2022, and to legislation establishing fiscal year 2026 budget enforcement in the House of Representatives. ‘‘(c) GRANTEE PLANS.— ‘‘(1) REQUIREMENT.—Not later than 90 days after the date on which the Secretary announces a grant allocation under this section, unless an extension is granted by the Secretary, the grantee shall submit to the Secretary a plan for approval describing— ‘‘(A) the activities the grantee will carry out with the grant under this section; ‘‘(B) the criteria of the grantee for awarding assistance and selecting activities; ‘‘(C) how the use of the grant under this section will address disaster relief, long-term recovery, restoration of housing and infrastructure, economic revitalization, and mitigation in the most impacted and distressed areas; † HR 6644 EAS ‘‘(D) how the use of the grant funds for mitigation is consistent with hazard mitigation plans submitted to the Federal Emergency Management Agency under section 322 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C. 5165); ‘‘(E) the estimated amount proposed to be used for activities that will benefit persons of low and moderate income; ‘‘(F) how the use of grant funds will repair and replace existing housing stock for vulnerable populations, including lowto moderate-income households; ‘‘(G) how the grantee will address the priorities described in paragraph (5); ‘‘(H) how uses of funds are proportional to unmet needs, as required under paragraph (6); ‘‘(I) for State grantees that plan to distribute grant amounts to units of general local government, a description of the method of distribution; and ‘‘(J) such other information as may be determined by the Secretary in regulation. ‘‘(2) PUBLIC CONSULTATION.—To permit public examination and appraisal of the plan described in † HR 6644 EAS paragraph (1), to enhance the public accountability of grantee, and to facilitate coordination of activities with different levels of government, when developing the plan or substantial amendments proposed to the plan required under paragraph (1), a grantee shall— ‘‘(A) publish the plan before adoption; ‘‘(B) provide citizens, affected units of general local government, and other interested parties with reasonable notice of, and opportunity to comment on, the plan, with a public comment period of not less than 14 days; ‘‘(C) consider comments received before submission to the Secretary; ‘‘(D) follow a citizen participation plan for disaster assistance adopted by the grantee that, at a minimum, provides for participation of residents of the most impacted and distressed area affected by the major disaster that resulted in the grant under this section and other considerations established by the Secretary; and ‘‘(E) undertake any consultation with interested parties as may be determined by the Secretary in regulation. ‘‘(3) APPROVAL.—The Secretary shall— † HR 6644 EAS ‘‘(A) by regulation, specify criteria for the approval, partial approval, or disapproval of a plan submitted under paragraph (1), including approval of substantial amendments to the plan; ‘‘(B) review a plan submitted under paragraph (1) upon receipt of the plan; ‘‘(C) allow a grantee to revise and resubmit a plan or substantial amendment to a plan under paragraph (1) that the Secretary disapproves; ‘‘(D) by regulation, specify criteria for when the grantee shall be required to provide the required revisions to a disapproved plan or substantial amendment under paragraph (1) for public comment prior to resubmission of the plan or substantial amendment to the Secretary; and ‘‘(E) approve, partially approve, or disapprove a plan or substantial amendment under paragraph (1) not later than 60 days after the date on which the plan or substantial amendment is received by the Secretary. ‘‘(4) LOW- AND MODERATE-INCOME OVERALL BENEFIT.— ‘‘(A) USE OF FUNDS.—Not less than 70 percent of a grant made under this section shall be † HR 6644 EAS used for activities that benefit persons of low and moderate income unless the Secretary— ‘‘(i) specifically finds that— ‘‘(I) there is compelling need to reduce the percentage for the grant; and ‘‘(II) the housing needs of lowand moderate-income persons have been addressed; and ‘‘(ii) issues a waiver and alternative requirement specific to the grant pursuant to subsection (i) to lower the percentage. ‘‘(B) REGULATIONS.—The Secretary shall, by regulation, establish protocols that reflect the required use of funds under subparagraph (A), including persons with extremely and very low incomes. ‘‘(5) PRIORITIZATION.—The grantee shall prioritize activities that— ‘‘(A) assist persons with extremely low-, low-, and moderate-incomes and other vulnerable populations to better recover from and withstand future disasters; ‘‘(B) address housing needs arising from a disaster, or those needs present prior to a dis- † HR 6644 EAS aster, including the needs of both renters and homeowners; ‘‘(C) prolong the life of housing and infrastructure; ‘‘(D) use cost-effective means of preventing harm to people and property and incorporate protective features and redundancies; and ‘‘(E) other measures that will assure the continuation of critical services during future disasters. ‘‘(6) PROPORTIONAL ALLOCATION.—For each specific disaster, a grantee under this section shall allocate grant funds proportional to unmet needs between housing activities for renters and homeowners, economic revitalization, and infrastructure unless the Secretary specifically finds that— ‘‘(A) there is a compelling need for a disproportional allocation among those unmet needs; and ‘‘(B) the disproportional allocation described in subparagraph (A) is not inconsistent with the requirements under paragraph (4). ‘‘(7) DISASTER RISK MITIGATION.— ‘‘(A) DEFINITION.—In this paragraph, the term ‘hazard-prone areas’— † HR 6644 EAS ‘‘(i) means areas identified by the Secretary, in consultation with the Administrator of the Federal Emergency Management Agency, at risk from natural hazards that threaten property damage or health, safety, and welfare, such as floods, wildfires (including Wildland-Urban Interface areas), earthquakes, lava inundation, tornados, and high winds; and ‘‘(ii) includes areas having special flood hazards as identified under the Flood Disaster Protection Act of 1973 (42 U.S.C. 4002 et seq.) or the National Flood Insurance Act of 1968 (42 U.S.C. 4001 et seq.). ‘‘(B) HAZARD-PRONE AREAS.—The Secretary, in consultation with the Administrator of the Federal Emergency Management Agency, shall establish minimum construction standards, insurance purchase requirements, and other requirements for the use of grant funds in hazardprone areas. ‘‘(C) SPECIAL FLOOD HAZARDS.— ‘‘(i) IN GENERAL.—For the areas described in subparagraph (A)(ii), the insurance purchase requirements established † HR 6644 EAS under subparagraph (B) shall meet or exceed the requirements under section 102(a) of the Flood Disaster Protection Act of 1973 (42 U.S.C. 4012a(a)). ‘‘(ii) TREATMENT AS FINANCIAL AS- SISTANCE.—All grants under this section shall be treated as financial assistance for purposes of section 3(a)(3) of the Flood Disaster Protection Act of (42 U.S.C. 4003(a)(3)). ‘‘(D) CONSIDERATION OF FUTURE RISKS.— The Secretary may consider future risks to protecting property and health, safety, and general welfare, and the likelihood of those risks, when making the determination of or modification to hazard-prone areas under this paragraph. ‘‘(8) RELOCATION.— ‘‘(A) IN GENERAL.—The Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970 (42 U.S.C. 4601 et seq.) shall apply to activities assisted under this section to the extent determined by the Secretary in regulation, or as provided in waivers or alternative requirements authorized in accordance with subsection (i). † HR 6644 EAS ‘‘(B) POLICY.—Each grantee under this section shall establish a relocation assistance policy that— ‘‘(i) minimizes displacement and describes the benefits available to persons displaced as a direct result of acquisition, rehabilitation, or demolition in connection with an activity that is assisted by a grant under this section; and ‘‘(ii) includes any appeal rights or other requirements that the Secretary establishes by regulation. ‘‘(d) CERTIFICATIONS.—Any grant under this section shall be made only if the grantee certifies to the satisfaction of the Secretary that— ‘‘(1) the grantee is in full compliance with the requirements under subsection (c)(2); ‘‘(2) for grants other than grants to Indian tribes, the grant will be conducted and administered in conformity with the Civil Rights Act of 1964 (42 U.S.C. 2000a et seq.) and the Fair Housing Act (42 U.S.C. 3601 et seq.); ‘‘(3) the projected use of funds has been developed so as to give maximum feasible priority to activities that will benefit recipients described in subsection † HR 6644 EAS (c)(4)(A) and activities described in subsection (c)(5), and may also include activities that are designed to aid in the prevention or elimination of slum and blight to support disaster recovery, meet other community development needs having a particular urgency because existing conditions pose a serious and immediate threat to the health or welfare of the community where other financial resources are not available to meet such needs, and alleviate future threats to human populations, critical natural resources, and property that an analysis of hazards shows are likely to result from natural disasters in the future; ‘‘(4) the grant funds shall principally benefit persons of lowand moderate-income as described in subsection (c)(4)(A); ‘‘(5) for grants other than grants to Indian tribes, within 24 months of receiving a grant or at the time of its 3- or 5-year update, whichever is sooner, the grantee will review and make modifications to its non-disaster housing and community development plans and strategies required by subsections (c) and (m) of section 104 to reflect the disaster recovery needs identified by the grantee and consistency with the plan under subsection (c)(1); † HR 6644 EAS ‘‘(6) the grantee will not attempt to recover any capital costs of public improvements assisted in whole or part under this section by assessing any amount against properties owned and occupied by persons of low and moderate income, including any fee charged or assessment made as a condition of obtaining access to such public improvements, unless— ‘‘(A) funds received under this section are used to pay the proportion of such fee or assessment that relates to the capital costs of such public improvements that are financed from revenue sources other than under this chapter; or ‘‘(B) for purposes of assessing any amount against properties owned and occupied by persons of moderate income, the grantee certifies to the Secretary that the grantee lacks sufficient funds received under this section to comply with the requirements of subparagraph (A); ‘‘(7) the grantee will comply with the other provisions of this title that apply to assistance under this section and with other applicable laws; ‘‘(8) the grantee will follow a relocation assistance policy that includes any minimum requirements identified by the Secretary; and † HR 6644 EAS ‘‘(9) the grantee will adhere to construction standards, insurance purchase requirements, and other requirements for development in hazard-prone areas described in subsection (c)(7). ‘‘(e) PERFORMANCE REVIEWS AND REPORTING.— ‘‘(1) IN GENERAL.—The Secretary shall, on not less frequently than an annual basis until the closeout of a particular grant allocation, make such reviews and audits as may be necessary or appropriate to determine whether a grantee under this section has— ‘‘(A) carried out activities using grant funds in a timely manner; ‘‘(B) met the performance targets established by paragraph (2); ‘‘(C) carried out activities using grant funds in accordance with the requirements of this section, the other provisions of this title that apply to assistance under this section, and other applicable laws; and ‘‘(D) a continuing capacity to carry out activities in a timely manner. ‘‘(2) PERFORMANCE TARGETS.—The Secretary shall develop and make publicly available critical performance targets for review, which shall include spending thresholds for each year from the date on † HR 6644 EAS which funds are obligated by the Secretary to the grantee until such time all funds have been expended. ‘‘(3) FAILURE TO MEET TARGETS.— ‘‘(A) SUSPENSION.—If a grantee under this section fails to meet 1 or more critical performance targets under paragraph (2), the Secretary may temporarily suspend the grant. ‘‘(B) PERFORMANCE IMPROVEMENT PLAN.— If the Secretary suspends a grant under subparagraph (A), the Secretary shall provide to the grantee a performance improvement plan with the specific requirements needed to lift the suspension within a defined time period. ‘‘(C) REPORT.—If a grantee fails to meet the spending thresholds established under paragraph (2), the grantee shall submit to the Secretary, the appropriate committees of Congress, and each member of Congress who represents a district or State of the grantee a written report identifying technical capacity, funding, or other Federal or State impediments affecting the ability of the grantee to meet the spending thresholds. ‘‘(4) COLLECTION OF INFORMATION AND REPORT- ING.— † HR 6644 EAS ‘‘(A) REQUIREMENT TO REPORT.—A grantee under this section shall provide to the Secretary such information as the Secretary may determine necessary for adequate oversight of the grant program under this section. ‘‘(B) PUBLIC AVAILABILITY.—Subject to subparagraph (D), the Secretary shall make information submitted under subparagraph (A) available to the public and to the Inspector General for the Department of Housing and Urban Development. ‘‘(C) SUMMARY STATUS REPORTS.—To increase transparency and accountability of the grant program under this section, the Secretary shall, on not less frequently than an annual basis, post on a public facing dashboard summary status reports for all active grants under this section that includes— ‘‘(i) the status of funds by activity; ‘‘(ii) the percentages of funds allocated and expended to benefit lowand moderateincome communities; ‘‘(iii) performance targets, spending thresholds, and accomplishments; and † HR 6644 EAS ‘‘(iv) other information the Secretary determines to be relevant for transparency. ‘‘(D) CONSIDERATIONS.—In carrying out this paragraph, the Secretary shall take such actions as may be necessary to ensure that personally identifiable information regarding applicants for assistance provided from funds made available under this section is not made publicly available. ‘‘(E) RESEARCH PARTNERSHIPS.— ‘‘(i) IN GENERAL.—The Secretary may, upon a formal request from researchers, make disaggregated information available to the requestor that is specific and relevant to the research being conducted, and for the purposes of researching program impact and efficacy. ‘‘(ii) PRIVACY PROTECTIONS.—In making information available under clause (i), the Secretary shall protect personally identifiable information as required under section 552a of title 5, United States Code (commonly known as the ‘Privacy Act of 1974’). ‘‘(f) ELIGIBLE ACTIVITIES.— † HR 6644 EAS ‘‘(1) IN GENERAL.—Activities assisted under this section— ‘‘(A) may include activities permitted under section 105 or other activities permitted by the Secretary by waiver or alternative requirement pursuant to subsection (i); and ‘‘(B) shall be related to disaster relief, longterm recovery, restoration of housing and infrastructure, economic revitalization, and mitigation in the most impacted and distressed areas resulting from the major disaster for which the grant was awarded. ‘‘(2) PROHIBITION.—Grant funds under this section may not be used for costs reimbursable by, or for which funds have been made available by, the Federal Emergency Management Agency or the United States Army Corps of Engineers. ‘‘(3) ADMINISTRATIVE COSTS, TECHNICAL AS- SISTANCE AND PLANNING.— ‘‘(A) IN GENERAL.—The Secretary shall establish in regulation the maximum grant amounts a grantee may use for administrative costs, technical assistance, and planning activities, taking into consideration size of grant, complexity of recovery, and other factors as deter- † HR 6644 EAS mined by the Secretary, but not to exceed 8 percent for administration and 20 percent in total. ‘‘(B) AVAILABILITY.—Amounts available for administrative costs for a grant under this section shall be available for eligible administrative costs of the grantee for any grant made under this section, without regard to a particular disaster. ‘‘(C) SUPPLEMENTAL PLAN.— ‘‘(i) IN GENERAL.—Grantees may submit to the Secretary an optional supplemental plan to the grantee plan required under this title specifically for administrative costs, which shall include a description of the use of all grant funds for administrative costs, including for any eligible preaward program administrative costs, and how such uses will prepare the grantee to more effectively and expeditiously administer funds provided under the full plan. ‘‘(ii) USE OF FUNDS.—If a supplemental plan is approved under clause (i), a grantee may draw down the aforementioned administrative funds before the full grantee plan is approved. † HR 6644 EAS ‘‘(iii) WAIVERS.—In carrying out this subparagraph, the Secretary may include any waivers or alternative requirements in accordance with subsection (i). ‘‘(4) PROGRAM INCOME.—Notwithstanding any other provision of law, any grantee under this section may retain program income that is realized from grants made by the Secretary under this section if the grantee agrees that the grantee will utilize the program income in accordance with the requirements for grants under this section, except that the Secretary may— ‘‘(A) by regulation, exclude from consideration as program income any amounts determined to be so small that compliance with this paragraph creates an unreasonable administrative burden on the grantee; or ‘‘(B) permit the grantee to transfer remaining program income to the other grants of the grantee under this title upon closeout of the grant. ‘‘(5) PROHIBITION ON USE OF ASSISTANCE FOR EMPLOYMENT RELOCATION ACTIVITIES.— ‘‘(A) IN GENERAL.—Grants under this section may not be used to assist directly in the re- † HR 6644 EAS location of any industrial or commercial plant, facility, or operation, from one area to another area, if the relocation is likely to result in a significant loss of employment in the labor market area from which the relocation occurs. ‘‘(B) APPLICABILITY.—The prohibition under subparagraph (A) shall not apply to a business that was operating in the disaster-declared labor market area before the incident date of the applicable disaster and has since moved, in whole or in part, from the affected area to another State or to a labor market area within the same State to continue business. ‘‘(6) REQUIREMENTS.—Grants under this section are subject to the requirements of this section, the other provisions of this title that apply to assistance under this section, and other applicable laws, unless modified by waivers or alternative requirements in accordance with subsection (i). ‘‘(g) ENVIRONMENTAL REVIEW.— ‘‘(1) ADOPTION.—A recipient of funds provided under this section that uses the funds to supplement Federal assistance provided under section 203, 402, 403, 404, 406, 407, 408(c)(4), 428, or 502 of the Robert T. Stafford Disaster Relief and Emergency Assist- † HR 6644 EAS ance Act (42 U.S.C. 5170a, 5170b, 5170c, 5172, 5173, 5174(c)(4), 5189f, 5192) may adopt, without review or public comment, any environmental review, approval, or permit performed by a Federal agency, and such adoption shall satisfy the responsibilities of the recipient with respect to such environmental review, approval, or permit under section 104(g)(1), so long as the actions covered by the existing environmental review, approval, or permit and the actions proposed for these supplemental funds are substantially the same. ‘‘(2) APPROVAL OF RELEASE OF FUNDS.—Notwithstanding section 104(g)(2), the Secretary or a State may, upon receipt of a request for release of funds and certification, immediately approve the release of funds for an activity or project to be assisted under this section if the recipient has adopted an environmental review, approval, or permit under paragraph (1) or the activity or project is categorically excluded from review under the National Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.). ‘‘(3) UNITS OF GENERAL LOCAL GOVERNMENT.— The provisions of section 104(g)(4) shall apply to assistance under this section that a State distributes to a unit of general local government. † HR 6644 EAS ‘‘(h) FINANCIAL CONTROLS AND PROCEDURES.— ‘‘(1) IN GENERAL.—The Secretary shall develop requirements and procedures to demonstrate that a grantee under this section— ‘‘(A) has adequate financial controls and procurement processes; ‘‘(B) has adequate procedures to detect and prevent fraud, waste, abuse, and duplication of benefit; and ‘‘(C) maintains a comprehensive and publicly accessible website. ‘‘(2) CERTIFICATION.—Before making a grant under this section, the Secretary shall certify that the grantee has in place proficient processes and procedures to comply with the requirements developed under paragraph (1), as determined by the Secretary. ‘‘(3) COMPLIANCE BEFORE ALLOCATION.—The Secretary may permit a State, unit of general local government, or Indian tribe to demonstrate compliance with the requirements for adequate financial controls developed under paragraph (1) before a disaster occurs and before receiving an allocation for a grant under this section. ‘‘(4) DUPLICATION OF BENEFITS.— † HR 6644 EAS ‘‘(A) IN GENERAL.—Funds made available under this section shall be used in accordance with section 312 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C. 5155) and such rules as may be prescribed under such section 312. ‘‘(B) PENALTIES.—In any case in which the use of grant funds under this section results in a prohibited duplication of benefits, the grantee shall— ‘‘(i) apply an amount equal to the identified duplication to any allowable costs of the award consistent with actual, immediate cash requirement; ‘‘(ii) remit any excess amounts to the Secretary to be credited to the obligated, undisbursed balance of the grant consistent with requirements on Federal payments applicable to such grantee; and ‘‘(iii) if excess amounts under clause (ii) are identified after the period of performance or after the closeout of the award, remit such amounts to the Secretary to be credited to the Fund. † HR 6644 EAS ‘‘(C) FAILURE TO COMPLY.—Any grantee provided funds under this section or from prior appropriations Acts under the heading ‘Community Development Fund’ for purposes related to major disasters that fails to comply with section 312 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C. 5155) or fails to satisfy penalties to

AI Summary

This bill, the 21st Century ROAD to Housing Act, aims to increase the supply of housing in America by addressing various aspects of housing affordability, production, and access. Key provisions include reforms to housing counseling and financial literacy programs to improve consumer understanding, incentives for building more housing through initiatives like the Rental Assistance Demonstration program and support for Opportunity Zones, and the "Whole-Home Repairs Act" to help eligible homeowners and landlords with essential home repairs. The bill also seeks to modernize manufactured housing standards, create incentives for small dollar mortgage originators, and improve appraisal processes. Furthermore, it reforms disaster recovery programs by establishing a Long-Term Disaster Recovery Fund, reauthorizes and reforms the HOME Investment Partnerships program, and addresses rural housing issues. The legislation also includes provisions for veterans' housing, enhances oversight of housing regulators, and mandates studies on housing affordability, elderly and disabled housing, and the impact of large institutional investors on the housing market. Finally, it includes a prohibition on certain purchases of single-family homes by large institutional investors and a provision regarding central bank digital currency.

Committee Categories

Business and Industry

Sponsors (32)

Last Action

Message on Senate action sent to the House. (on 03/16/2026)

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