Housing

HR 5975, the Appraisal Modernization Act, creates a formal process for home buyers to challenge mortgage appraisals they believe are flawed or discriminatory. It requires lenders to review consumer requests for reconsideration within 60 days, providing clear procedures for submitting evidence and requiring lenders to order a new appraisal at their expense if the original report has material flaws. The bill also mandates a 240-day feasibility study by the government to assess creating a public database consolidating appraisal data from major housing agencies like FHA and VA, aiming to improve transparency in home valuation practices. This legislation directly affects homebuyers, lenders, and appraisers by establishing new accountability standards for appraisal quality and access to valuation data.

This bill establishes a program to insure second mortgages (loans taken out after the primary mortgage) for financing accessory dwelling units (ADUs) on single-family properties. The Secretary of Housing and Urban Development must create the program within two years, setting loan limits (up to 30% of a standard mortgage amount or 100% of the property's after-construction value, with potential increases based on 50% of projected rental income) and requiring borrowers to own the property and apply for insurance. It also allows Fannie Mae and Freddie Mac to purchase and securitize these insured loans, unless the Federal Housing Finance Agency determines market risks require a prohibition. The program requires the Secretary to submit annual reports to Congress on its implementation starting one year after enactment.

This bill authorizes $30 million annually (2026-2030) to fund grants for partnerships between sexual assault programs and health/wellness providers, behavioral health programs, and disability services. It directly supports survivors of sexual assault - especially adult survivors of childhood abuse - by requiring grantees to develop trauma-informed, culturally relevant services like therapy, housing assistance, and care coordination. Eligible recipients include state/tribal coalitions, nonprofit rape crisis centers, and tribal organizations, which must use funds for specific activities including prevention, screening, and staff training while protecting survivor privacy. Grantees must report on program effectiveness, and the bill also updates existing law to explicitly include sexual assault in related provisions.

This bill creates a new $30 million annual Weatherization Readiness Fund (2026-2030) to help states fix structural defects in low-income homes before weatherization can be installed. It directly affects low-income households in states receiving Weatherization Assistance Program funds, by requiring states to use these funds to repair hazards that block weatherization work. The bill also raises the maximum per-unit cost limit for fully weatherized homes from $6,500 to $15,000 and adds flexibility for the Secretary to adjust costs based on market conditions. These changes aim to streamline the weatherization process and increase funding efficiency for eligible homes.

This bill requires the Department of Housing and Urban Development (HUD) to develop guidelines for states and local governments to reform zoning laws that limit housing supply. The guidelines would recommend specific changes like eliminating parking minimums, allowing more housing types (such as duplexes and accessory units), and streamlining approval processes for new projects. It directly affects state and local governments, housing developers, and communities facing housing shortages - addressing a 3.85 million home shortfall cited in the bill. HUD must report to Congress on which states and localities adopt these reforms and their impact on building permits.

HR 5830, the Guaranteed Income Pilot Program Act of 2025, would establish a 3-year pilot program providing monthly cash payments to 20,000 eligible low-income individuals aged 18-65. Participants would receive payments equal to the fair market rent for a 2-bedroom apartment in their ZIP code, paid monthly on the 15th, with these payments not counting as income for other federal benefits. The program, funded at $495 million annually for fiscal years 2026-2030, requires a study tracking impacts on participants' financial stability, health, housing, and other outcomes. The final report would assess the program’s feasibility for broader expansion.

This bill repeals federal energy efficiency standards for manufactured housing that were set to take effect in 2022. It specifically nullifies a Department of Energy rule published in May 2022, removing requirements for energy conservation in manufactured homes. The change directly affects manufacturers and buyers of manufactured housing by eliminating these new efficiency mandates. The bill does not establish new standards but removes existing ones from the Energy Independence and Security Act of 2007.

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 increases the federal tax credit for rehabilitating historic buildings. It raises the standard credit rate from 20% to 30% for qualifying small projects (with a $3.75 million expenditure cap) and further increases the cap to $5 million for projects in rural areas. The bill also allows taxpayers to transfer all or part of this credit to another taxpayer, creating a new market for the credit. These changes apply to properties placed in service after the bill's enactment date. The bill directly affects developers and owners of historic properties seeking tax incentives for rehabilitation projects.