Housing

HR 7185, the Home Savings Act, allows individuals to exclude from taxable income certain retirement plan distributions used for down payments or closing costs when buying a principal residence. It applies to defined contribution plans (like 401(k)s), IRAs, annuity plans, and 457(b) plans, covering the individual or their eligible relatives (spouse, children, grandchildren, or ancestors). The exclusion is limited to distributions made after 2025 but expires for distributions after December 31, 2030. This policy change directly affects homebuyers using retirement savings for home purchases, reducing their taxable income for those specific expenses.

Justice for All Act of 2025 This bill prohibits discrimination based on sex, sexual orientation, gender identity, or race-related characteristics in schools, businesses, federally funded programs, and other settings. It also provides statutory authority for and expands the types of civil actions that may be brought for violations. For example, the bill expands provisions under the Civil Rights Act of 1964 so as to (1) prohibit federally funded programs from discriminating based on sex or religion; and (2) prohibit public accommodations, including stores and transit services, from discriminating based on sex. The bill defines sex to include sex stereotypes, pregnancy, childbirth, sexual orientation, gender identity, and sex characteristics. It also expands the definition of race to include traits that have been historically associated with race (e.g., natural hair textures). The expanded definitions apply to the Civil Rights Act of 1964, the Fair Housing Act (discrimination in public and private housing), and Title IX of the Education Amendments of 1972 (discrimination based on sex in federally funded educational programs). Further, the bill provides statutory authority for disparate impact or intentional discrimination claims under the aforementioned acts, as well as the Age Discrimination Act of 1975 (discrimination based on age by federally funded programs) and the Rehabilitation Act of 1973 (discrimination based on disability by federally funded programs). The bill also includes other provisions that address (1) profiling by law enforcement officers, (2) employer liability with respect to civil rights violations, (3) predispute arbitration agreements in civil rights cases, and (4) governmental immunity in suits involving constitutional violations.

The AID Youth Employment Act creates federal grant programs to support summer and year-round employment for youth aged 14-24, with special focus on marginalized youth including those who are homeless, in foster care, or involved in the justice system. The bill allocates $1.8 billion for summer employment programs and $2.4 billion for year-round programs, requiring eligible entities to form partnerships with educational agencies, workforce development organizations, and community partners. It establishes performance metrics to track employment rates, education enrollment, and credential attainment for participants, with specific requirements that 20% of summer funding support rural areas and 5% support tribal areas. The law includes special provisions for tribal communities and requires annual evaluations to ensure program quality and effectiveness.

This bill provides housing loans and education assistance to Black World War II veterans who were denied GI Bill benefits due to racial discrimination, or to their surviving spouses, children, or direct descendants. To qualify, applicants must certify they were denied benefits on racial grounds under the original 1944 GI Bill and apply within five years of the law's enactment. The Department of Veterans Affairs must implement these provisions within 90 days and report to Congress on participation and program costs. It specifically addresses documented historical discrimination where Black veterans were steered toward vocational training instead of college, with only 6% earning degrees compared to 19% of White veterans.

Fair Access to Co-ops for Veterans Act of 2025 This bill revives and makes permanent the authority of the Department of Veterans Affairs (VA) home loan guarantee program to guarantee loans for a veteran’s purchase of stock or membership in a cooperative housing corporation (i.e., co-op) for the purpose of entitling the veteran to occupy a single family residential unit. For purposes of the administration of such loans, the bill establishes a fee rate of the usual fee plus 3.25% of the total amount of the loan, treats such cooperative housing units as residential property for purposes of imposing restrictions and liabilities, and guarantees up to 25% of the amount of the loan for loans exceeding $144,000.  Additionally, the bill requires the VA to advertise the availability of loan guarantees for cooperative housing unit loans, including by issuing guidance and notifying eligible veterans.

The Homebuilders Corps Act of 2026 expands workforce training in residential construction trades like carpentry and plumbing through the Job Corps program. It creates a $5,000 grant program for construction firms that hire and retain Job Corps graduates for 12 consecutive months, requiring verification via payroll records. The bill also mandates updating construction curricula every 24 months to include new technologies and facilitates partnerships between trade associations and Job Corps for apprenticeships. Funded by $200 million in fiscal year 2026 appropriations, it directly affects Job Corps trainees, residential construction employers, and workforce development programs.

This bill creates a new federal tax credit for low-to-moderate income homeowners to offset energy costs. It allows a 75% credit for energy expenses (heating/cooling) exceeding 3% of a taxpayer’s modified adjusted gross income, capped at $1,500 annually ($3,000 for joint filers), and only applies to principal residences. The credit is available to individuals with modified AGI under $75,000 ($150,000 for joint returns), beginning in 2025 and expiring after 2027. It directly affects eligible homeowners facing high energy bills relative to their income, without altering other tax provisions.

The Financial Empowerment and Protection Act requires service providers like utilities, internet companies, landlords, and mortgage lenders to allow consenting adults living together to open joint accounts for managing their services and bills. Both adults must agree to the account, which must be in both names, and providers must share all account information and online access with both parties upon request. The bill also prohibits housing providers from charging fees for early lease termination when a tenant is a victim of domestic violence, dating violence, sexual assault, or stalking. Individuals harmed by a provider’s failure to comply can seek up to $1,000 in damages per violation.

HR 1094, the Amateur Radio Emergency Preparedness Act, prevents private restrictions (such as those in homeowners associations) from blocking amateur radio operators from installing and maintaining antennas for emergency communications. The bill directly affects over 770,000 licensed amateur radio operators in the U.S. who face such restrictions on their residential property. Key provisions include overriding unreasonable restrictions, requiring reasonable safety and building code compliance for allowed rules, setting a 45-day approval period for antenna installations (with deemed approval if not acted on), and exempting small antennas (under 1 meter, flagpoles ≤43 feet, or minimal wire antennas) from prior approval. This ensures amateur radio operators can quickly establish emergency communication systems without unnecessary delays or costs during crises.

HRES 1028 is a non-binding House resolution expressing the House's position that the U.S. must address billionaire economic and political influence. It calls for halting corporate tax breaks and subsidies, increasing taxes on the wealthy and corporations, and redirecting funds toward public services like healthcare, housing, and climate initiatives. As a resolution, it does not create new laws but states the House's view that concentrated wealth undermines democracy and requires policy changes to prioritize working people. It specifically references actions like breaking up corporate monopolies and expanding union support as part of this vision.