New Federal Law Enacted to Increase Affordable Housing Supply

The "21st Century ROAD to Housing Act" (P.L. 119-101) became law on July 11, 2026, representing significant federal housing legislation. This bipartisan act, combining Senate and House provisions, includes 60 measures across 12 titles designed to address the nation's affordable housing shortage. Key provisions involve reforms to housing counseling, incentives for FHA small dollar mortgages, and new grant programs to stimulate construction and innovation.