GovTrack June 21

[Mike SP]

Update on Activity in Congress and the White House

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21st Century Road to Housing Act

By Amy West (June 19, 2026)

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The House was out this week. The few votes the Senate held largely were for administration nominees. But they did make progress on a large housing bill that’s been bouncing back and forth between chambers for a while now.

The current name of the bill is H.R. 6644: 21st Century ROAD to Housing Act. The version on our website is not the one that the Senate will vote on next week. The latest, and possibly last version is still only on the Senate Banking Committee’s website.

The progress in the Senate came in two forms, one unofficial, the other official. Unofficially, representatives of the House, the Senate and the White House worked out text that everyone felt would pass the respective chambers and wouldn’t get vetoed. Officially, the Senate passed a motion for cloture (aka ending debate so they can get to voting on the actual bill) 84-8.

The current version is 381 pages long. Shorter than some of the monster bills Congress has passed, but no slouch and, with one exception, focused on a single topic, namely increasing housing supply.

The bill’s titles, e.g. chapters, are:

• TITLE I—OPPORTUNITIES FOR HOUSING
• TITLE II—BUILDING MORE IN AMERICA
• TITLE III—MANUFACTURED HOUSING FOR AMERICA
• TITLE IV—ACCESSING THE AMERICAN DREAM
• TITLE V—PROGRAM REFORM
• TITLE VI—VETERANS AND HOUSING
• TITLE VII—OVERSIGHT AND ACCOUNTABILITY
• TITLE VIII—ACCOUNTABILITY, COORDINATION, STUDIES, AND REPORTING
• TITLE IX—STRENGTHENING COMMUNITY BANKS’ ROLE IN HOUSING
• TITLE X—HOME-OWNERSHIP FOR MAIN STREET AMERICA
• TITLE XI—CENTRAL BANK DIGITAL CURRENCY

Out of these, you can see that the effort to increase housing supply is approached from multiple directions: limiting or creating exceptions to regulations that slow building, increasing manufactured housing, housing for veterans, easing regulations on community banks and providing some limits on corporations owning homes. And, presumably because it won’t pass the House otherwise, an unrelated ban on a central bank digital currency until 2030.

We are not housing industry experts and cannot provide a summary of the bill ourselves. However, we can point you to some good sources to think about it from different perspectives. We certainly found them useful.

1. Bipartisan Policy Center gets into each title to summarize what their individual sections are intended to achieve. It’s based on the version that last passed the House though. So, for the changes since May 20, these additional links are very helpful.
2. Multifamily Dive is an industry newsletter that discusses the latest changes overall.
3. National Association of Counties discusses the latest version from the perspective of state and local governments focusing on disaster programs and zoning.
4. U.S. Green Building Council covers which efficiency provisions survived to the latest version and which did not.
5. Legis1 discusses the political aspects, but also notes that the bill’s reach, should it become law, will be limited by state and local rules.
6. The Defiant / Converge is a pro-crypto newsletter that provides detail and context with respect to other legislation passed by this Congress for the central bank digital currency ban.
7. The Hill notes that the basic objection by a small number of Republican representatives to a central bank digital currency is that it would amount to surveillance.

Maybe by this time next week, we’ll know if this bill has become a law!

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