Saving the American Dream Act

This bill requires five federal agencies (Housing and Urban Development, Agriculture, Veterans Affairs, Treasury, and the Federal Housing Finance Agency) to coordinate housing data sharing and jointly propose policy solutions. Within one year of enactment, the agencies must establish a shared agreement and submit a report to Congress addressing mortgage costs, housing construction barriers, local regulations, insurance availability, down payment assistance, and disaster resilience. The report will outline specific proposals to improve housing affordability and market efficiency. This is a procedural bill focused on interagency coordination, not direct policy changes or benefits for homeowners.