H.R. 6644In committeeHousing
Bill targets housing costs with zoning and loan reforms
Data as of July 11, 2026
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
Decoded
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
Where does it stand?
- Introduced
- House committee — You are here
- House vote
- Senate
- President's desk
Right now: a House committee is reviewing it. If the Senate changes it, it goes back to the House before reaching the President.
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Official title
21st Century ROAD to Housing Act
- Introduced:
- December 11, 2025
- Latest action:
- March 16, 2026
Message on Senate action sent to the House.
Read the official bill on Congress.govMake the call
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