Sec. 1. Short title; table of contents
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This Act may be cited as the . Housing for the 21st Century Act The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. Title I—Building Smarter for the 21st Century Sec. 101. Housing Supply Frameworks. Sec. 102. Accelerating home building grant program. Sec. 103. Federal guidelines for point-access block buildings. Sec. 104. Unlocking Housing Supply Through Streamlined and Modernized Reviews. Sec. 105. Federal Housing Agency Application of Environmental Reviews.
Sec. 106. Multifamily loan limits. Sec. 107. GAO study on workforce housing. Title II—Modernizing Local Development and Rural Housing Programs Sec. 201. HOME Reform. Sec. 202. Community Development Fund Amendments. Sec. 203. Grants for planning and implementation associated with affordable housing. Sec. 204. Rural housing service program improvements. Sec. 205. Choice in Affordable Housing. Title III—Expanding Manufactured and Affordable Housing Finance Opportunities Sec. 301.
Manufactured Housing Innovations. Sec. 302. FHA small-dollar mortgages. Sec. 303. Community investment and prosperity. Title IV—Protecting Borrowers and Assisted Families Sec. 401. Exclusion of certain disability benefits. Sec. 402. Military service question. Sec. 403. HUD–USDA–VA Interagency Coordination. Sec. 404. Family self-sufficiency escrow expansion pilot program. Sec. 405. Reforms to housing counseling and financial literacy programs. Sec. 406. Establishment of eviction helpline.
Sec. 407. Temperature Sensor pilot program. Sec. 408. GAO studies. Title V—Enhancing Oversight of Housing Providers Sec. 501. Requirement to testify. Sec. 502. Improving public housing agency accountability. Title VI—Strengthening Community Banks’ Role in Housing Sec. 601. Community Bank Deposit Access. Sec. 602. Keeping Deposits Local. Sec. 603. Supervisory Modifications for Appropriate Risk-based Testing. Sec. 604. Tailored Regulatory Updates for Supervisory Testing. Sec. 605.
Credit Union Board Modernization. Sec. 606. Systemic Risk Authority Transparency. Sec. 607. Least cost exception. Sec. 608. Failing Bank Acquisition Fairness. Sec. 609. Advancing the Mentor-Protégé Program for Small Financial Institutions. Sec. 610. American Access to Banking. Sec. 611. Promoting New Bank Formation. Sec. 612. Rural Depositories Revitalization Study. Sec. 613. Discretionary Surplus Fund.