US Congress Approves 21st Century ROAD to Housing Act

The U.S. House of Representatives and Senate have passed the bipartisan 21st Century ROAD to Housing Act (H.R. 6644), marking the first major housing legislation in nearly four decades. The bill aims to increase the nation’s housing supply by targeting restrictive zoning and land‑use policies, offering grants and forgivable loans for home repairs, raising FHA‑insured multifamily loan limits, streamlining NEPA reviews for small projects, and strengthening community banks to expand housing credit.

NAHB Chairman Bill Owens said, "The 21st Century ROAD to Housing Act will help expand the nation’s housing supply by reducing regulatory barriers and encouraging local governments to reform zoning and land‑use policies that have limited home building." President Trump indicated he would sign the legislation once the SAVE America Act passes the Senate.

Key provisions include rewarding communities that adopt supply‑expanding policies, a pilot program for home‑repair assistance, inflation‑indexed loan limits, faster environmental reviews for infill housing, and enhanced access to credit for community banks.