SECTION 1. Short Title; Table of Contents.
Sec. 1. Short title; table of contents.
TITLE I—OPPORTUNITIES FOR HOUSING
Sec. 101. Reforms to housing counseling and financial literacy programs.
Sec. 102. Federal guidelines for point-access block buildings.
Sec. 103. Exemption on construction or modification of residential housing located on an infill site.
Sec. 104. Database of publicly owned land.
Sec. 105. FHA Small-Dollar Mortgages.
Sec. 106. Temperature Sensor Pilot Program.
Sec. 107. Housing supply frameworks.
TITLE II—BUILDING MORE IN AMERICA
Sec. 201. Increasing housing in opportunity zones.
Sec. 202. Whole-Home Repairs Act.
Sec. 203. Community Investment and Prosperity Act.
Sec. 204. Addition of affordable housing construction as an eligible activity.
Sec. 205. Better Use of Intergovernmental and Local Development (BUILD) Housing Act.
Sec. 206. Unlocking Housing Supply Through Streamlined and Modernized Reviews Act.
Sec. 207. Grants for planning and implementation associated with affordable housing.
Sec. 208. Innovation Fund.
Sec. 209. Accelerating Home Building Act.
Sec. 210. Revitalizing Empty Structures Into Desirable Environments (RESIDE) Act.
Sec. 211. Housing Affordability Act.
Sec. 212. Rental Assistance Demonstration Program.
Sec. 213. Build Now Act.
TITLE III—MANUFACTURED HOUSING FOR AMERICA
Sec. 301. Housing Supply Expansion Act.
Sec. 302. Modular Housing Production Act.
Sec. 303. Property Improvement and Manufactured Housing Loan Modernization Act.
Sec. 304. PRICE Act.
TITLE IV—ACCESSING THE AMERICAN DREAM
Sec. 401. Creating incentives for small-dollar loan originators.
Sec. 402. Small-dollar mortgage points and fees.
Sec. 403. Appraisal Industry Improvement Act.
Sec. 404. Helping More Families Save Act.
Sec. 405. Choice in Affordable Housing Act.
TITLE V—PROGRAM REFORM
Sec. 501. HOME Investment Partnerships Reauthorization and Reform Act.
Sec. 502. Rural Housing Service Reform Act.
Sec. 503. Incentivizing local solutions to homelessness.
Sec. 504. Reforming Disaster Recovery Act.
Sec. 505. New Moving to Work cohort.
TITLE VI—VETERANS AND HOUSING
Sec. 601. Military Service Question.
Sec. 602. Housing Unhoused Disabled Veterans Act.
Sec. 603. Veterans Affairs Loan Informed Disclosure (VALID) Act.
TITLE VII—OVERSIGHT AND ACCOUNTABILITY
Sec. 701. Requiring annual testimony and oversight from housing regulators.
Sec. 702. FHA reporting requirements on safety and soundness.
Sec. 703. United States Interagency Council on Homelessness oversight.
Sec. 704. Appraisal Modernization Act.
TITLE VIII—ACCOUNTABILITY, COORDINATION, STUDIES, AND REPORTING
Sec. 801. HUD–USDA–VA Interagency Coordination Act.
Sec. 802. Streamlining Rural Housing Act.
Sec. 803. Improving self-sufficiency of families in HUD-subsidized housing.
Sec. 804. GAO studies.
Sec. 805. Improving public housing agency accountability.
TITLE IX—STRENGTHENING COMMUNITY BANKS’ ROLE IN HOUSING
Sec. 901. Community bank deposit access.
Sec. 902. Keeping deposits local.
Sec. 903. Tailored regulatory updates for supervisory testing.
Sec. 904. Credit union board modernization.
Sec. 905. Systemic risk authority transparency.
Sec. 906. Advancing the mentor-protégé program for small financial institutions.
Sec. 907. American access to banking.
Sec. 908. Promoting new bank formation.
Sec. 909. Rural depositories revitalization study.
TITLE X—HOME-OWNERSHIP FOR MAIN STREET AMERICA
Sec. 1001. Homes are for people, not corporations.
TITLE XI—CENTRAL BANK DIGITAL CURRENCY
Sec. 1101. Central bank digital currency.
TITLE XII—MISCELLANEOUS
Sec. 1201. Severability.
Sec. 1202. No additional funds authorized.