New law reforms housing programs but provides no money for them.
H.R. 6644 — 21st Century ROAD to Housing Act · Filed by J. Hill (R-AR) · 31 cosponsors · Introduced Dec 11, 2025 · Signed
Your members of Congress
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What it does
The law changes how HUD helps people learn about housing. It sets rules for apartment buildings with one stairway. It lets rural areas build homes without certain environmental checks. It starts a test program for small mortgages. It gives money to fix homes for low-income owners and renters. It tells states and cities how to change zoning rules to allow more housing.
Who it affects
Low-income homeowners and renters benefit from repair grants and housing counseling. Small landlords can get loans to fix rental homes. Communities with few homes available get guidance on zoning changes. Housing counseling agencies, nonprofits, and contractors do the work.
One thing to notice
The law creates new programs but does not give them money. Future spending depends on Congress approving funds later. The small-dollar mortgage test ends after four years and cannot restart.
From the analysis of the bill text, linked under Primary records below.
Where it stands
31 cosponsors: 16 Democrats, 15 Republicans.
- Dec 11, 2025 — Introduced · Congress.gov: “Introduced in House”
- Dec 11, 2025 — Referred to House Committee on Veterans' Affairs and House Committee on Financial Services · Congress.gov: “Referred to the Committee on Financial Services, and in addition to the Committee on Veterans' Affairs, for a…”
- Dec 16, 2025 — Markup held in committee · Congress.gov: “Committee Consideration and Mark-up Session Held”
- Dec 17, 2025 — Reported out of committee · Congress.gov: “Ordered to be Reported (Amended) by the Yeas and Nays: 50 - 1”
- Feb 9, 2026 — Passed the House · Congress.gov: “On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required)…”
- Feb 9, 2026 — Floor vote scheduled · Congress.gov: “Mr. Hill (AR) moved to suspend the rules and pass the bill, as amended”
- Mar 12, 2026 — Passed both chambers · Congress.gov: “Passed Senate with an amendment by Yea-Nay Vote. 89 - 10. Record Vote Number: 53”
- Jun 29, 2026 — Sent to president · Congress.gov: “Presented to President”
- Jul 11, 2026 — Signed into law · Congress.gov: “Became Public Law No: 119-101”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
227 groups reported lobbying about this bill. They filed 273 reports from Dec 2025 to Jun 2026.
Those reports show $118,819,942 in lobbying spending. Each report lists about 6 bills. So that money was not all for this bill.
More groups named this bill than 100% of bills with any report.
J. Hill, who sponsored the bill, received $1,609,189 from PACs for the 2026 election.
- Chamber of Commerce of the U.S.A. — $54,660,000 in 3 reports
- National Association of Realtors — $14,580,000 in 1 report
- American Bankers Association — $5,210,000 in 2 reports
- Koch Government Affairs, LLC — $2,760,000 in 1 report
- National Multifamily Housing Council Inc — $2,330,000 in 1 report
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- HUD — The federal agency that handles housing and community development.
- zoning — Local rules that say what types of buildings can go in each area.
- mortgage — A loan to buy a home, paid back over many years.
- lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
- PACs — Groups that collect money and give it to candidates for office.
- sponsored — To sponsor a bill is to introduce it in Congress and put your name on it.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (50,094 characters) on Mar 21, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,778 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 22, 2026 · page rendered 2026-11-01.
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