Bill targets housing costs with zoning and loan reforms
Signed into lawH.R. 6644Latest action
Sponsor: J. French Hill · Representative · AR
AIDecoded by AI · checked against the recordRead the official text
Official title: 21st Century ROAD to Housing Act
119th Congress
Topics: Housing
Introduced:
Read the official bill on Congress.govIn plain words
The plain-language version comes first. The official text is always the reference.
HR 6644 uses dozens of separate measures to try to increase housing supply and lower costs for buyers, renters, and builders across the U.S.
55-second read · 5 questions answered below
What does this do?
This bill tackles housing from many angles at once. It creates pilot programs for small mortgages and temperature sensors in rental units, funds home repairs, supports affordable housing construction, and pushes local governments to reform zoning rules. It also addresses manufactured housing, veteran homelessness, and banking rules for lenders.
Who does it affect?
The bill affects homebuyers, renters, low-income households, landlords, homebuilders, community banks, credit unions, local governments, and federal housing agencies. Veterans experiencing homelessness and people at risk of foreclosure are also specifically addressed.
Why does it matter?
If passed, more types of lenders could offer home loans and more land could be converted into housing, which would change how much housing is available in many communities. Local governments would receive federal guidance on zoning changes, which could affect what kinds of homes are allowed to be built.
What does it cost, and who pays?
- Funds home repair grants
- Supports affordable housing
- No dollar amounts specified
AI-drafted summary. Check it against the official text before you act on it.
Read the official bill on Congress.govNo call to make
This is law.
Where does it stand?
- IntroducedDec 11, 2025
- House committee
- House vote
- Senate
- The president's desk
Right now: the president signed it. It's law.Now law
Latest action: — Became Public Law No: 119-101.
Recorded votes
Roll-call votes recorded since January 3, 2025.
House · · Roll call 224
As recorded
- Question
- On Motion to and Concur in Senate Adt to House Adt to Senate Adt
- Result:
- Passed
- 358
- Nay
- 32
- 0
- 41
Republicans 166 yes, 32 no, 20 not voting · Democrats 191 yes, 21 not voting · Independent 1 yes
Official recordHow members voted
The official record lists how each member voted.Official record
Senate · · Roll call 182
As recorded
- Question
- On the Motion (Motion to Concur in the House Amendment to the Senate Amendment to H.R. 6644 with an Amendment (SA 5823))
- Result:
- Motion Agreed to
- 85
- Nay
- 5
- 0
- 10
Republicans 42 yes, 5 no, 6 not voting · Democrats 41 yes, 4 not voting · Independents 2 yes
Official recordHow members voted
The official record lists how each member voted.Official record
Senate · · Roll call 180
As recorded
- Question
- On the Motion H.R. 6644
- Result:
- Cloture Motion Agreed to
- 84
- Nay
- 8
- 0
- 8
Republicans 43 yes, 8 no, 2 not voting · Democrats 39 yes, 6 not voting · Independents 2 yes
Official recordHow members voted
The official record lists how each member voted.Official record
8 earlier votes
Senate · · Roll call 175
As recorded
- Question
- On the H.R. 6644
- Result:
- Motion to Proceed Agreed to
- 87
- Nay
- 8
- 0
- 5
Republicans 43 yes, 8 no, 2 not voting · Democrats 43 yes, 2 not voting · Independents 1 yes, 1 not voting
Official recordHow members voted
The official record lists how each member voted.Official record
Senate · · Roll call 53
As recorded
- Question
- On Passage of the Bill H.R. 6644
- Result:
- Bill Passed
- 89
- Nay
- 10
- 0
- 1
Republicans 43 yes, 9 no, 1 not voting · Democrats 44 yes, 1 no · Independents 2 yes
Official recordHow members voted
The official record lists how each member voted.Official record
Senate · · Roll call 52
As recorded
- Question
- On the Motion H.R. 6644
- Result:
- Cloture Motion Agreed to
- 82
- Nay
- 11
- 1
- 6
Republicans 39 yes, 10 no, 4 not voting · Democrats 41 yes, 1 no, 1 present, 2 not voting · Independents 2 yes
Official recordHow members voted
The official record lists how each member voted.Official record
Senate · · Roll call 51
As recorded
- Question
- On the Amendment S.Amdt. 4308 to H.R. 6644 (No short title on file)
- Result:
- Amendment Agreed to
- 84
- Nay
- 10
- 1
- 5
Republicans 40 yes, 9 no, 4 not voting · Democrats 42 yes, 1 no, 1 present, 1 not voting · Independents 2 yes
Official recordHow members voted
The official record lists how each member voted.Official record
Senate · · Roll call 50
As recorded
- Question
- On the Motion S.Amdt. 4308 to H.R. 6644 (No short title on file)
- Result:
- Cloture Motion Agreed to
- 89
- Nay
- 9
- 1
- 1
Republicans 46 yes, 7 no · Democrats 41 yes, 2 no, 1 present, 1 not voting · Independents 2 yes
Official recordHow members voted
The official record lists how each member voted.Official record
Senate · · Roll call 45
As recorded
- Question
- On the H.R. 6644
- Result:
- Motion to Proceed Agreed to
- 90
- Nay
- 8
- 1
- 1
Republicans 46 yes, 6 no, 1 not voting · Democrats 42 yes, 2 no, 1 present · Independents 2 yes
Official recordHow members voted
The official record lists how each member voted.Official record
Senate · · Roll call 44
As recorded
- Question
- On H.R. 6644
- Result:
- Cloture on the Motion to Proceed Agreed to
- 84
- Nay
- 6
- 1
- 9
Republicans 44 yes, 4 no, 5 not voting · Democrats 38 yes, 2 no, 1 present, 4 not voting · Independents 2 yes
Official recordHow members voted
The official record lists how each member voted.Official record
House · · Roll call 57
As recorded
- Question
- On Motion to and Pass, as Amended
- Result:
- Passed
- 390
- Nay
- 9
- 0
- 33
Republicans 192 yes, 8 no, 18 not voting · Democrats 198 yes, 1 no, 15 not voting
Official recordHow members voted
The official record lists how each member voted.Official record