Jump to Content
close
close
ABA: The American Bankers Association
Letter to Congress & Regulators

Letter to Congress on the Housing for the 21st Century Act

  • Published February 9, 2026

Download

Dear Speaker Johnson and Minority Leader Jeffries:

The American Bankers Association (ABA) writes today to commend Chairman French Hill, Ranking Member Maxine Waters, and the members of the House Financial Services Committee for their leadership in advancing H.R. 6644, the Housing for the 21st Century Act. ABA applauds policy initiatives that create equitable, sustainable, and affordable housing opportunities, both homeownership and rental, in all communities. In addition, we appreciate the inclusion of provisions that will ensure that America’s banking industry continues to play a leading role in the meeting housing needs across the country. We value the Committee’s attention in Titles I through V to advancing policies to expand the supply of housing, including streamlining regulatory requirements, modernizing existing housing programs, and enhancing affordable housing finance options. In particular, ABA supports the following housing provisions:

Expanding Housing Inventory and Affordability

Section 301. Manufactured Housing Innovations, which eliminates the permanent chassis requirement for manufactured homes and establishes the Dept. of Housing and Urban Development (HUD) as the primary authority for construction and safety standards for manufactured homes, including standards related to a manufactured home’s construction, design, energy efficiency, and performance.

Section 302. FHA Small Dollar Mortgages, which directs HUD to propose a pilot program to expand access to Federal Housing Administration-backed small dollar mortgages. This section would increase homeownership equity and address lending gaps for lower-cost homes across the country.

Download the letter to read the full text.

In Depth

Related Products

Our Experts

Blake Earley

Blake Earley

Senior Vice President, Congressional Relations & BankPAC

Contact Blake

Related to This