U.S. House Housing Bill Limits Large Investors, Preserves Opportunity Zones, Bans Fed CBDC

The U.S. House of Representatives overwhelmingly approved the 21st Century ROAD to Housing Act (H.R. 6644), voting 396‑13. The legislation restricts entities that control 350 or more single‑family homes from acquiring additional units, imposing civil penalties of up to $1 million for violations, and streamlines permitting, zoning and manufactured‑home programs.

The amended bill also removes a Senate‑proposed 7‑year forced‑sale rule for build‑to‑rent homes, ensuring those properties can retain full Opportunity‑Zone tax treatment. Provisions expand affordable‑housing tools for veterans, rural areas and community‑development projects.

Embedded in the housing measure is a moratorium on the Federal Reserve issuing a central‑bank digital currency (CBDC) until Dec. 31 2023, with some lawmakers advocating a permanent ban. The bill now moves to the Senate for reconciliation before heading to the president’s desk for signature.