Housing (Housing Finance)

in committee · United States · House Jul 23, 2026

HR 9934: Housing BOOM Act

The Housing BOOM Act aims to increase the supply of affordable housing by significantly raising the state-level limit on Low-Income Housing Tax Credits and establishing new federal funding mechanisms, including a Middle Income Housing Construction Loan Fund and a Workforce Housing Block Grant Program. The bill directs billions in annual appropriations over five years to support rental construction for households earning between 60 and 120 percent of the area median income, while also increasing existing subsidies for homeless assistance, rural housing, and supportive housing for the elderly and persons with disabilities. To address tenant stability, the legislation creates a new Office of Eviction Prevention within the Department of Housing and Urban Development and authorizes grants to help convert unused government buildings and hotels into emergency shelters and affordable units. Additionally, the act establishes an Interagency Council on Housing Affordability to coordinate federal policy and requires prevailing wage standards for construction workers on federally assisted projects.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill explicitly directs billions in annual appropriations and establishes new federal funding mechanisms for housing construction.95% confidence ✓ HousingSupports HousingThe bill explicitly aims to increase affordable housing supply by raising tax credit limits and establishing new federal funding mechanisms for construction.98% confidence

Sub-Topics Affordable Housing Housing Finance Tenant Rights

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in committee · United States · House Sep 8, 2026

HR 10325: To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.

This bill increases the mandatory financial contributions from Federal Home Loan Banks to the Affordable Housing Program by extending a 15 percent net income requirement through 2025 and establishing it as the permanent rate for 2026 and beyond. The legislation directly affects the Federal Home Loan Banks, which are government-sponsored enterprises that provide funding to member banks and credit unions. A key provision ensures that these annual contributions will not fall below $100 million in any given year, regardless of the banks' net income fluctuations.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill mandates increased financial contributions from Federal Home Loan Banks to the Affordable Housing Program, directly increasing government funding for housing.75% confidence ✓ HousingSupports HousingThe bill explicitly increases mandatory funding for the Affordable Housing Program by raising Federal Home Loan Bank contributions.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · House Aug 27, 2026

HR 10168: Veterans Housing Opportunity Act

The Veterans Housing Opportunity Act establishes a five-year pilot program that allows the Department of Housing and Urban Development to identify public housing agencies that are not effectively using their HUD-VASH vouchers. If an agency is found to be chronically underutilizing these funds, the department may take back the unused voucher assistance and redistribute it to other agencies. These reallocated vouchers must then be provided to veterans who are currently homeless or at risk of becoming homeless. The bill requires the department to report on the program's efficiency and housing outcomes after three years, while ensuring that any veteran who receives a voucher under this pilot keeps it even if the pilot program ends.

Topics ✓ HousingSupports HousingBill reallocates unused HUD-VASH vouchers to homeless veterans, directly advancing housing stability and resource efficiency for a vulnerable population.95% confidence ✓ VeteransSupports VeteransThe bill aims to improve the efficiency of HUD-VASH vouchers to ensure they are provided to homeless veterans, directly advancing veteran housing services.95% confidence

Sub-Topics Homelessness Housing Finance Property Development Veteran Benefits Veteran Healthcare Veteran Housing

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in committee · United States · House Aug 13, 2026

HR 10096: Task Force on the Impact of the Affordable Housing Crisis Act of 2026

The Task Force on the Impact of the Affordable Housing Crisis Act of 2026 establishes a bipartisan, 18-member task force to study how a lack of affordable housing affects various aspects of life and government spending. The group will evaluate impacts on areas such as education, employment, health, and regional economic growth, while also quantifying the costs imposed on federal, state, and local programs due to housing shortages. Members will be appointed by congressional leadership within 180 days of enactment and must submit a final report with recommendations to Congress before the task force terminates two years after all members are appointed.

Topics ✓ HousingSupports HousingThe bill establishes a task force to study the affordable housing crisis and its impacts, advancing awareness and policy analysis for this topic.75% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · House Aug 13, 2026

HR 10084: First Time Homebuyer Debt Reduction Act

The First Time Homebuyer Debt Reduction Act directs the Federal Housing Finance Agency to require Fannie Mae and Freddie Mac to treat student loan payments made by third parties toward first-time buyers as financial concessions rather than sales incentives. This classification applies specifically to payments for newly constructed principal residences, allowing these contributions to be counted toward a buyer's down payment or closing costs without triggering penalties associated with seller financing. However, the bill limits this benefit by stipulating that any portion of the student loan payment exceeding $25,000 will still be classified as a sales concession.

Topics ✓ HousingSupports HousingThe bill facilitates first-time homebuying by allowing third-party student loan payments to count toward down payments, directly advancing affordable housing access.95% confidence

Sub-Topics Homeownership Housing Finance Mortgages

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in committee · United States · Senate Aug 7, 2026

S 5366: Affordable Housing Credit Carryback Act

The Affordable Housing Credit Carryback Act amends the Internal Revenue Code to allow taxpayers to claim a five-year carryback for unused low-income housing tax credits. This provision enables developers and investors who have not fully utilized their allocated credits in the current year to apply them against taxes owed in previous years. By extending this refund mechanism, the bill provides financial flexibility to entities involved in affordable housing projects, potentially accelerating the development of such units.

Topics ✗ Budget & TaxesOpposes Budget & TaxesThe bill creates a tax refund mechanism (carryback) for developers and investors, effectively reducing government tax revenue to subsidize private entities.75% confidence ✓ HousingSupports HousingThe bill facilitates affordable housing development by allowing carryback of unused low-income housing tax credits, providing financial flexibility to developers.95% confidence

Sub-Topics Tax Credits Affordable Housing Historic Preservation Housing Finance

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in committee · United States · House Aug 13, 2026

HR 10102: Data Center Community Reinvestment Act of 2026

The Data Center Community Reinvestment Act of 2026 imposes a federal excise tax of one cent per kilowatt-hour on electricity consumed by data centers with a peak power load exceeding one megawatt. The revenue generated from this tax is divided equally among five specific government funds: the Land and Water Conservation Fund, the Housing Trust Fund, the Hazardous Substance Superfund, the Highway Trust Fund, and a newly established Energy Technology Trust Fund. This legislation directly affects large-scale data center operators by adding a cost to their energy usage, while directing the collected funds toward infrastructure, environmental cleanup, housing, and energy technology initiatives.

Topics ✗ Budget & TaxesOpposes Budget & TaxesThe bill imposes a new federal excise tax on data centers, which is a direct increase in taxation rather than a reduction or relief.75% confidence ✓ HousingSupports HousingThe bill explicitly directs 20% of tax revenue to the Housing Trust Fund, which supports affordable housing development, thereby advancing the topic.75% confidence ✓ TransportationSupports TransportationThe bill directs one-fifth of tax revenue to the Highway Trust Fund, which directly funds transportation infrastructure projects.75% confidence

Sub-Topics Sales Tax Housing Finance Roads & Highways Transportation Funding

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in committee · United States · House Aug 6, 2026

HR 10053: Public Service Homeownership Assistance Act

The Public Service Homeownership Assistance Act would authorize the Department of Housing and Urban Development to provide downpayment assistance loans to federal, state, tribal, and local government employees starting in 2027. These loans, which range from $10,000 to $20,000, are strictly limited to covering downpayments or closing costs for the purchase of a residential property with one to four units. Recipients must occupy the home within 60 days and continue to live there at least half the year to maintain eligibility. Repayment of the loan is not required immediately but begins upon the sale of the home, a cash-out refinance, or if the employee stops occupying the property for more than six months in a given year.

Topics ✓ HousingSupports HousingThe bill authorizes HUD to provide downpayment assistance loans to government employees, directly funding homeownership and expanding access to residential property.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · House Aug 10, 2026

HR 10075: First-Time Homebuyer Affordability Act

The First-Time Homebuyer Affordability Act amends the Internal Revenue Code to exempt qualified mortgage bonds from the federal government's annual volume cap on tax-exempt securities. By removing this limit, the bill allows for a greater issuance of these specific bonds, which are typically used to finance home loans for first-time buyers. This change directly affects financial markets and lenders by enabling them to issue more tax-advantaged debt without being constrained by existing statutory limits. The provision applies to all obligations issued after the date of the Act's enactment.

Topics ✓ HousingSupports HousingThe bill explicitly aims to increase affordable housing by removing caps on tax-exempt bonds used to finance first-time homebuyer loans.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · United States · Senate Aug 6, 2026

S 5285: Visitable Inclusive Tax credits for Accessible Living (VITAL) Act

The VITAL Act increases federal low-income housing tax credit allocations to states starting in 2026, with amounts adjusted annually for inflation to expand the supply of affordable and disability-accessible housing. The bill provides a 50% boost to the tax credit value for new buildings where at least half of the units are designed to meet accessibility standards for people with disabilities and are located in areas with high walkability. To ensure these accessible units are actually built, the legislation requires states to allocate credits so that at least 40% of all new low-income housing units created over any three-year period meet these specific disability access criteria.

Topics ✓ HousingSupports HousingThe bill explicitly increases federal tax credit allocations to expand the supply of affordable and disability-accessible housing.95% confidence

Sub-Topics Affordable Housing Historic Preservation Housing Finance Tags People with Disabilities

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