This legislation will help reform housing programs, cut through unnecessary barriers that are slowing the development of affordable and innovative housing, including modular homes, and strengthen protections for renters and communities nationwide.
Committee Democrats will help reform housing programs, cut through unnecessary barriers slowing the development of affordable and innovative housing, including modular homes, and strengthen protections for renters and communities nationwide.
Occurrences
Congress must ensure that Fannie and Freddie meet their mission to provide liquidity, sustainability, and affordability to all housing markets in the U.S., and at all times.
Evidence
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This legislation will help reform housing programs, cut through unnecessary barriers that are slowing the development of affordable and innovative housing, including modular homes, and strengthen protections for renters and communities nationwide.
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The 21st Century ROAD to Housing Act ... passed the full U.S. House ... This bill delivers on our promise to reduce restrictive regulations, increase the housing supply, limit institutional investing in the housing market, and drive down the price of homes nationwide.
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The House version restores bipartisan provisions, including 5 led by Democratic Members, to support thousands of community financial institutions...
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...we have reached a new bipartisan agreement to pass an improved version of the ‘21st Century ROAD to Housing Act’... “This updated bill restores key provisions to hold institutional investors accountable and protect renters, while expanding access to affordable housing opportunities for families across the country.”
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The House has an historic opportunity to pass an improved, bipartisan housing package... our Housing bill is the most comprehensive housing reform bill in a generation... making those critical improvements to restore the legislation to its intent to address the housing crisis.
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Section 202(c) Add H.R. 6774: FHA Small Dollar Mortgages (Waters) ... would require FHA to establish a pilot program to increase access to small-dollar mortgages under $100,000 by providing grants to homebuyers, incentives to lenders, and outreach to promote the program.
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...incorporates 25 housing provisions introduced by House Democrats that broaden access to homeownership, including for manufactured housing and small-dollar mortgages... and strengthen the development of affordable homes for families in both rural and urban communities.
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H.R. 6644 - Housing for the 21st Century Act... passed the House by a recorded vote of 390-9.
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The House amendment text includes manufactured-housing and modular-housing provisions, HOME program reforms, and renter/tenant protections tied to the 21st Century ROAD to Housing Act.
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Waters linked the bill to housing-program reform, fewer barriers to affordable and innovative housing including modular homes, and stronger renter/community protections.
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The House passed the amended 21st Century ROAD to Housing Act by a 396-13 vote and urged the Senate to move the bill forward.
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After House passage, more than 250 groups backed the amendment; supporters highlighted manufactured/modular housing, renter support, and housing-program reforms while still urging Senate action.
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GovInfo lists H.R. 6644 as Public Law 119-101, the 21st Century ROAD to Housing Act, with Date Approved July 11, 2026 and the full title "An act to increase the supply of housing in America, and for other purposes."
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The House Financial Services Committee Democrats said Waters, the committee's top Democrat, issued a statement after the 21st Century ROAD to Housing Act became law. Waters said she worked to forge the legislation with Chairman Hill and Senators Warren and Scott, building on legislation championed by House Democrats; the statement says the law includes provisions to build affordable housing, lower rental costs, modernize federal housing programs, prioritize families over corporate landlords, and increase tenant protections.
Assessments
The promised housing-program reforms, affordable and modular housing barriers, and renter/community protections were included in the 21st Century ROAD to Housing Act, which became Public Law 119-101 on July 11, 2026. Evidence also ties Waters and Committee Democrats directly to negotiating and advancing the package while Waters remained in office, so the outcome counts as delivered in the same federal term.
Maxine Waters received meaningful credit here because, in federal office as House Financial Services ranking member, she materially helped shape and advance the 21st Century ROAD to Housing Act and related amendment text. The House passed the package in May 2026, and the bill language and committee statements closely matched the promise on reforming housing programs, reducing barriers to affordable and modular housing, and strengthening renter and community protections. But the record provided shows House passage and momentum, not final enactment into law or nationwide implementation, with supporters still urging Senate action afterward. That makes the promise partially fulfilled in the same term, not fully delivered.
The evidence shows Waters and Committee Democrats materially advanced a major housing reform package whose stated provisions closely mirror the promise: reforming housing programs, reducing barriers to affordable and innovative housing including modular/manufactured housing, and strengthening renter and community protections. Waters helped negotiate, advocate for, and include Democratic provisions in the 21st Century ROAD to Housing Act, and the package passed the House during the same term. However, the record provided does not show final enactment into law or completed implementation nationwide. Because there was substantial legislative progress and clear candidate contribution but not full delivery of the promised outcome, the best judgment is partial.