Housing

The Securing Agriculture's Workforce Act of 2026 modernizes the H-2A visa program by transferring administrative authority to the Department of Homeland Security and introducing a unified online platform to streamline applications for employers and workers. Key provisions include establishing new housing standards with mandatory inspections, creating a system for staggered worker entry and exit, and allowing workers to transfer between employers without losing their status. The bill also defines specific job classifications for wage calculations, expands the scope of covered agricultural activities, and provides legal protections for employers who document the employment of workers seeking visa status. Additionally, it requires agencies to develop a heat illness prevention plan and allows for contract termination due to natural disasters.

The Volunteer First Responder Housing Act expands housing benefits for unpaid firefighters and other first responders who have served for at least two years. Under this bill, eligible volunteers can receive an $18,000 reduction in their income when applying for USDA single-family housing loans and qualify for discounted home prices through government sales programs. To access these advantages, volunteers must submit a verification letter from their employer confirming their service history and certification status. The law defines specific criteria for who counts as a qualified volunteer, requiring continuous service and adherence to minimum activity standards set by the employer.

The Sanctuary City Elimination Act defines "sanctuary jurisdictions" as states or local areas that restrict cooperation with federal immigration authorities, such as refusing to share immigration data or honor detention requests. If a jurisdiction is classified as a sanctuary, the bill prohibits it from receiving various federal grants, including funding for education, environmental protection, economic development, and community housing projects. The legislation also provides a legal mechanism allowing state attorneys general to sue in federal court to recover these funds if a sanctuary jurisdiction releases an immigrant who subsequently commits a crime in another state. Additionally, the bill grants local law enforcement the authority to act as federal agents when complying with immigration detainers and offers them immunity from liability in lawsuits related to those actions.

This bill modernizes housing assistance programs for Native American tribes and Native Hawaiians by streamlining environmental reviews, extending funding authorization through 2032, and expanding loan guarantee options. Key provisions include consolidating environmental review requirements to reduce paperwork for tribes, allowing 99-year leasehold interests on trust lands for housing, and creating new rental assistance specifically for homeless or at-risk Native American veterans. The legislation also clarifies rent rules, waives certain housing counseling certifications for tribal entities, exempts tribal housing projects from some federal civil rights and Buy America requirements, and establishes a direct loan guarantee process for tribal housing projects.

This bill amends the Community Development Banking and Financial Institutions Act of 1994 to require the Treasury Secretary to testify annually before Congress about the Fund's operations. It also strengthens the CDFI Bond Guarantee Program by adjusting guarantee limits and extending the program's authorization period. Additionally, the bill expands capital assistance options for community development financial institutions and creates a new lending program specifically for Native community development financial institutions to support homeownership in Tribal and Native communities.

S 3616, the Expanding Access to Lending Options Act, amends the Federal Credit Union Act to allow federal credit unions to offer loans with terms up to 20 years (previously capped at 15 years), subject to regulatory approval by the National Credit Union Administration. The bill also clarifies that properties used as collateral must be the principal residence of a credit union member. This change directly affects federal credit unions and their members by potentially expanding loan options for longer-term financing. The amendment modifies existing lending rules without creating new programs or altering eligibility criteria beyond the term length and residence requirement.

Tribal Trust Land Homeownership Act of 2025 This bill sets forth requirements for the processing of a proposed residential leasehold mortgage, business leasehold mortgage, land mortgage, or right-of-way document by the Bureau of Indian Affairs (BIA). The BIA must notify lenders upon receipt of such documentation, perform a preliminary review of such documents not later than 10 days after receipt, and approve or disapprove of such documents within 20 or 30 days, depending on the type of application. Additionally, the bill sets forth requirements for the BIA regarding (1) response times for the completion of certified title status reports, (2) notification of delays in processing, and (3) the form of notices and delivery of certain reports. The bill also provides relevant federal agencies and Indian tribes with read-only access to the Trust Asset and Accounting Management System maintained by the BIA. The Government Accountability Office must report on digitizing documents for the purpose of streamlining and expediting the completion of mortgage packages for residential mortgages on Indian land. Finally, the bill establishes within the BIA's Division of Real Estate Services the position of Realty Ombudsman.

S 1635, the Appraisal Industry Improvement Act, requires appraisers working on mortgages insured by the Federal Housing Administration (FHA) to be certified or licensed by the state where the property is located (with exceptions for federal employees). It mandates that appraisers complete specific training on FHA requirements and meet competency standards before conducting FHA-related appraisals. The bill also creates a new "State credentialed trainee appraiser" category, allowing states to establish trainee programs, and adds a $20 annual fee for trainees on the national registry. These changes apply specifically to FHA-insured mortgages and affect appraisers, state licensing agencies, and appraisal management companies.

# Summary of Proposed FEMA Reform Legislation (FEMA Act of 2025) This comprehensive legislative document proposes significant reforms to the Robert T. Stafford Disaster Relief and Emergency Assistance Act, with four main sections addressing: ## 1. Disaster Assistance Reforms - **Expanded eligibility** for assistance, including clarifying that absence of a fixed address doesn't disqualify individuals from sheltering assistance - **Improved rental assistance** with consideration of local post-disaster rent increases - **Direct assistance** for those unable to use financial assistance, with no requirement to show other assistance can cover costs (except insurance) - **Enhanced notices** for applicants, including documentation of denial decisions - **Clarification of displacement assistance** eligibility, stating insurance shouldn't be considered a duplication of benefits ## 2. Mitigation Program Enhancements - **Preapproved project mitigation plans** requiring states to develop plans with peer review processes - **Improved allocation of funds** with formulas prioritizing vulnerable communities, high-risk areas, and rural/economically distressed communities - **Resilient buildings** requirements for housing retrofits using the latest building codes - **Streamlined application processes** for hazard mitigation funds across multiple programs - **Study on mitigation benefits** to evaluate cost savings and effectiveness ## 3. Transparency and Accountability Measures - **Public dashboards** for both individual assistance (431) and public assistance (432) showing application status, approvals, denials, and funding - **Transparency requirements** for disaster declarations with detailed justifications for approvals/denials - **GAO studies** on numerous topics including: - Identity theft in disaster assistance (409) - Insurance utilization for public assistance facilities (410) - Wildfire management plans (411) - Effectiveness of alerting systems (412) - Cost savings of repair/rebuilding reforms (415) - **Prohibition on political discrimination** in assistance distribution ## 4. Workforce and Operational Improvements - **Study on workforce retention** in noncontiguous communities - **Pilot program** for preliminary damage assessments in remote communities - **Fast-moving disasters working group** to develop best practices for rapid response The legislation focuses on improving efficiency, transparency, and effectiveness of disaster relief programs while prioritizing vulnerable populations and communities with higher risk of disasters. It also emphasizes data-driven decision making through required studies and reports to continuously improve disaster management policies.

This bill permanently extends the New Markets Tax Credit (NMTC) program, which incentivizes private investment in low-income communities. It modifies the tax code to keep the credit available beyond 2025 (replacing "2020 through 2025" with "2020 and each calendar year thereafter") and adds automatic annual inflation adjustments to the credit amount starting in 2026. The bill also provides tax relief by allowing NMTC credits to offset the alternative minimum tax, specifically for investments made after December 2024. This directly affects community development financial institutions (CDFIs) and investors who fund projects in designated low-income areas.