The Housing Price Transparency Act requires landlords and property managers who use algorithms to set rental prices to clearly disclose this practice to tenants. The Federal Trade Commission is authorized to enforce these rules by treating violations as unfair or deceptive acts, while state attorneys general may also bring civil actions on behalf of their residents if federal enforcement is not pending. Individuals injured by non-compliance can file private lawsuits in federal court to seek injunctions and recover damages of at least $10,000 per violation or actual monetary losses, whichever is greater.
The Stable Homes Act directs the Department of Housing and Urban Development to launch a five-year pilot program that provides $300 million annually in grants to local governments for establishing or expanding eviction diversion programs. These programs require landlords to notify tenants of their right to participate in dispute resolution before filing formal eviction proceedings, mandating at least 30 days of good-faith negotiation involving services such as mediation, housing counseling, and rental assistance. The legislation ensures that low-income tenants have access to free legal counsel if their landlord is represented by an attorney, while allowing landlords to bypass the program only in cases involving an imminent threat of physical harm. Local governments receiving these grants must submit annual reports detailing case outcomes, costs, and tenant demographics to Congress through 2030.
The Native American Housing Assistance and Self-Determination Modernization Act of 2026 reauthorizes federal housing assistance for Indian tribes and Native Hawaiians through fiscal year 2033 while expanding eligibility to include families with incomes up to 120 percent of the area median. The bill grants tribes greater autonomy by allowing them to set their own rent, procurement, and environmental review policies, and it streamlines regulatory processes by consolidating environmental reviews and exempting certain small-scale projects from specific federal requirements. Additionally, the legislation establishes new grant programs for homeless American Indians, Alaska Natives, and Native Hawaiians, creates a rental assistance program for homeless Indian veterans, and extends leasehold interests on trust lands to 99 years to improve financing options.
The MAIL Act allows unhoused or housing-unstable individuals with low incomes who receive specific federal assistance to rent free post office boxes. To qualify, eligible people must submit proof of their status, such as enrollment in Medicaid or participation in food assistance programs, to their local postmaster. The law requires the United States Postal Service to issue regulations for this program within a year and authorizes the agency to buy and maintain the necessary boxes. To cover the cost of lost rental fees and the expense of providing these boxes, the bill directs Congress to appropriate funds to the Postal Service annually. The Postmaster General must also submit an implementation plan within six months and provide progress reports every five years to Congress.
The Build Homes, Not Hate Act of 2026 directs the Federal Emergency Management Agency to create a grant program aimed at reducing homelessness by funding new and existing housing units, emergency shelters, and support services for individuals and families. The legislation appropriates $70 billion for these efforts, allocating at least $54 billion for housing construction and rehabilitation, while reserving $14 billion for direct services like rental assistance, behavioral health support, and job training. Funds may be used for various housing solutions, including modular homes and converting vacant buildings, with a preference for areas experiencing high rates of unsheltered homelessness or rising rent costs. A specific provision prohibits the use of any funds from this program for immigration enforcement, detention, or border wall construction. Additionally, the bill permanently rescinds $70 billion previously designated for U.S. Immigration and Customs Enforcement to finance this new housing initiative.
The Housing Opportunities and Preservation Enhancement Act of 2026 provides specific tax incentives to encourage the rehabilitation and long-term preservation of low-income rental housing. It defines "qualified property" as buildings that have been in service for over 15 years, are owned by specific non-profit or government entities, and maintain restrictions ensuring at least 70% of units are occupied by low-income tenants. To qualify, these buildings must undergo significant rehabilitation spending within a 24-month period, a fact that must be certified by an independent accountant. The bill grants these properties exemptions from various tax rules, including passive activity limitations and profit motive requirements, while also allowing for accelerated depreciation over 15 years. Additionally, it clarifies how gains are calculated upon sale and ensures that certain capital grants used for construction do not reduce the property's tax basis.
The DASH Act establishes a new federal rental voucher program specifically for individuals and families experiencing homelessness or at risk of homelessness, providing 250,000 vouchers in 2026 and expanding to 400,000 annually thereafter. This initiative requires public housing agencies to partner with local service providers to offer supportive services such as healthcare, job training, and case management while prohibiting conditions related to sobriety or criminal history for most applicants. The bill also expands rural housing assistance by increasing funding for loans and grants aimed at preserving affordable rental housing for farm laborers and low-income residents in non-metropolitan areas. Additionally, the legislation introduces new tax credits to encourage the construction of affordable housing, including a renters credit for low-income households, a middle-income housing credit, and a neighborhood homes credit for distressed communities.
The Freedom to Build Act creates a voluntary designation for local governments that adopt specific reforms to reduce barriers to housing construction. To qualify, a locality must either implement at least three reforms in each of three categories - such as allowing modern building methods, setting strict permit timelines, and eliminating rent control - or demonstrate sustained growth in its housing supply relative to local affordability. The Department of Housing and Urban Development will maintain a public list of these designated areas and review the required reforms every five years. Localities that lose their designation due to reversing reforms or failing supply targets receive a 180-day grace period to correct the issue before revocation. Additionally, the bill directs the Department to prioritize these designated communities when awarding competitive federal grants for housing and community development projects.
The Grad Student Affordable Housing Act of 2026 directs the Department of Housing and Urban Development to create a program offering rental assistance vouchers to graduate students. To qualify, students must be enrolled in graduate programs and meet specific income limits, which are set at $40,000 for dependents or independent individuals and $80,000 for families, with provisions for cost-of-living adjustments. Selected students receive vouchers that cover 80 percent of the fair market rental cost for their chosen housing. The bill requires students to apply through the Secretary of Housing and Urban Development within one year of the law's enactment.
This bill requires mortgage lenders to consider alternative credit information, such as rental payments and bank statements, when evaluating applicants who request it. It specifically targets individuals who lack a traditional credit history with major reporting agencies, a group that disproportionately includes low-income consumers, younger people, and people of color. Under the new rules, lenders must treat this permissioned data with the same weight as standard credit reports if the applicant authorizes its use and confirms it better reflects their financial standing. The legislation also mandates that underwriting systems be updated to automatically identify and include this data, while creditors must provide clear notices in eight common languages explaining the applicant's rights.
