Home  Image by Paul Brennan from Pixabay 

July 9, 2026 - The 21st Century ROAD to Housing Act (H.R. 6644) is on track to take effect July 10, as President Trump signaled he will not use his executive veto to block the sweeping bipartisan housing package.

While the president recently disrupted a scheduled White House signing ceremony to demand congressional action on the unrelated Safeguard American Voter Eligibility (SAVE) Act, he has since moderated his tone, calling the housing legislation “fine.”

Under federal law, the 381-page bill automatically passes after sitting on the president's desk unsigned for 10 days. The legislation secured overwhelming bipartisan supermajorities in late June (85-5 in the Senate and 358-32 in the House).

H.R. 6644 represents a major step forward in addressing our nation’s housing challenges by addressing housing affordability and supply challenges. It includes a variety of provisions designed to modernize existing federal housing programs, improve the effectiveness of affordable housing initiatives, and encourage greater housing production.

Aimed at expanding housing production to combat a nationwide deficit of over 4 million homes, key provisions include:

• Institutional Buying Bans: Prevents Wall Street firms and major corporate investors from purchasing single-family homes en masse.
• Zoning Overhauls: Establishes a $200 million grant pool to incentivize municipalities that remove restrictive zoning laws, while slashing Community Development Block Grant funding by 10% for localities that resist expansion.
• Expands Mortgage Access: Creates a HUD pilot program designed to increase the availability of small-dollar mortgages (under $100,000) and unlocks more private banking capital for local affordable housing.
  
  Source: California Association Of Realtors®