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                     119TH CONGRESS                                       REPT.119-457
                        2d Session   J HOUSE   OF  REPRESENTATIVES            Part 1









                                HOUSING FOR THE 21ST CENTURY ACT




                     JANUARY 15, 2026.-Committed to the Committee of the Whole House on the State
                                       of the Union and ordered to be printed




                      Mr. HILL  of Arkansas, from the Committee   on Financial Services,
                                           submitted  the following



                                              REPORT


                                                together with


                                            ADDITIONAL VIEWS

                                            [To accompany H.R. 6644]

                       The  Committee  on  Financial Services, to whom  was  referred the
                     bill (H.R. 6644) a bill to increase the supply of housing in America,
                     and for other purposes, having  considered  the same,  reports favor-
                     ably thereon  with  amendments and recommends that the bill as
                     amended  do pass.

                                                  CONTENTS
                                                                                      Page
                     Purpose and Sum m ary  ...........................................................................................  35
                     Background and Need for  Legislation  ....................................................................  35
                     Com m ittee  Consideration  .......................................................................................  41
                     R elated  H earings  .....................................................................................................  46
                     C om m ittee  V otes  ......................................................................................................  47
                     Com m ittee  Oversight  Findings  ...............................................................................  50
                     Perform ance  Goals  and  Objectives  ........................................................................  50
                     Com m ittee  Cost  Estim ate  .......................................................................................  50
                     New Budget Authority and CBO Cost Estimate ..................................................  50
                     Unfunded M andates Statem  ent  ..............................................................................  50
                     Earm ark Statem ent  ................................................................................................  51
                     Federal Advisory Committee Act Statement .........................................................  51
                     Applicability  to  the  Legislative  Branch  .................................................................  51
                     Duplication of Federal Program   s  ...........................................................................  51
                     Section-by-Section Analysis of the Legislation    .....................................................  51
                     Changes in Existing Law Made by the Bill, as Reported ................. 56
                     Documents Included by Unanimous Consent ........................................................ 286
                     C om m ittee  Letters  ...................................................................................................  355
                     A dditional  V iew s  ......................................................................................................  357
                        69-006