R48922 — Comparison of Selected Versions of H.R. 6644

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. On May 15, 2026, a revised version of H.R. 6644 intended to be sent back to the Senate was released by the Chairman of the House Financial Services Committee. That draft text would include some elements from the Senate-passed version, some elements from the original House version, and some modified elements. According to the House Majority Leader, it is expected to be considered on the House floor the week of May 18. This report compares the Housing for the 21st Century Act (H.R. 6644 as passed by the House); the 21st Century ROAD to Housing Act (H.R. 6644 as amended in the Senate); and the revised draft House version of the 21st Century ROAD to Housing Act. All three bills address similar housing policy topics, with some substantive differences. Several sections in the original 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 original House bill. The revised draft House bill would remove some sections from the Senate bill and add back some sections from the original House bill that were not included in the Senate bill. Other sections correspond between the bills, addressing the same topic. In some sections, the texts of the 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 original House bill, the Senate bill, and the draft revised House 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.

Curated by CRS — every bill listed in this report's relatedMaterials. Edge type cited_in_report, gold confidence.

• HR 6644 — 21st Century ROAD to Housing Act · 119th Cong
• S 2651 — ROAD to Housing Act of 2025 · 119th Cong
• S 2296 — National Defense Authorization Act for Fiscal Year 2026 · 119th Cong