crs_reports: R48922

Congressional Research Service reports with summaries, authors, and topic classifications.

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R48922 Comparison of House- and Senate-Passed Versions of H.R. 6644 2026-04-27T04:00:00Z 2026-05-01T12:24:31Z Active Reports Henry G. Watson, Katie Jones, Maggie McCarty, Andrew P. Scott, Darryl E. Getter   Each chamber of Congress has considered and approved a multifaceted housing bill in the 119th Congress: On August 1, 2025, the Senate Banking Committee reported the Renewing Opportunity in the American Dream (ROAD) to Housing Act of 2025 (S. 2651). On October 9, 2025, a version of that bill passed the Senate as an amendment to the National Defense Authorization Act for Fiscal Year 2026 (S. 2296). On January 15, 2026, the House Financial Services Committee reported a separate housing bill, the Housing for the 21st Century Act (H.R. 6644). A revised version was passed by the House on February 9, 2026. On March 12, 2026, the Senate passed a substitute amendment to H.R. 6644 under the short title of the 21st Century ROAD to Housing Act. The Senate’s amended version included several provisions from the ROAD to Housing Act of 2025. This report compares the latter two bills: the House-passed Housing for the 21st Century Act (H.R. 6644 as passed by the House) and the Senate-passed 21st Century ROAD to Housing Act (H.R. 6644 as amended in the Senate). The House-passed Housing for the 21st Century Act and the Senate-passed 21st Century ROAD to Housing Act address similar housing policy topics, with some substantive differences. Several sections in the House bill have no corresponding section in the Senate bill. There are also several sections in the Senate bill that have no corresponding section in the House bill. Other sections correspond between the House and Senate bills, addressing the same topic. In some sections, the texts of the two bills are identical or have only technical changes; in other sections, they have substantive differences. The tables in this report provide a side-by-side comparison of the House bill and the Senate bill, ordered according to the following major topics: Housing Finance and Homeownership, Manufactured and Modular Housing, State and Local Land Use, Environmental Review, Community Planning and Development Program Reforms, Rental Housing Assistance Program Reforms, Other Program Reforms, New Housing and Community Development Grants, Studies and Oversight, Banking and Offsets, Institutional Investors, and Central Bank Digital Currencies. https://www.congress.gov/crs_external_products/R/PDF/R48922/R48922.2.pdf https://www.congress.gov/crs_external_products/R/HTML/R48922.html

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