My colleagues and I are seeking tangible, quality reforms to reduce the regulatory burdens on new construction, modernize HUD capabilities, and allow banks more freedom to lend.
Support legislation that reduces regulatory burdens on new housing construction, modernizes HUD capabilities, and gives banks more freedom to lend in order to make housing more affordable.
Occurrences
It is my hope that Speaker Johnson will go to conference to ensure a final product emerges that benefits the American people.
Evidence
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Rep. Barry Loudermilk said the House Committee on Financial Services passed three of his bills, including the Respect State Housing Laws Act (H.R. 1078). He said the bill addresses a CARES Act eviction-notice drafting error that left a 30-day notice requirement in place permanently, and that the measure would help property owners deal with the issue.
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Loudermilk announced he reintroduced the Respect State Housing Laws Act in the 119th Congress. The release says the legislation would restore balance to rental housing operations and help ensure providers can continue to provide stable, affordable housing options for American families.
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The committee’s hearing summary says Loudermilk questioned witnesses about the impact of regulations on public housing authorities and stated that regulations divert personnel away from productive work into compliance.
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Loudermilk said his legislation passed out of committee and would reduce the compliance burden for banks and credit unions by sixty to eighty percent.
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The page lists multiple FY 2026 community infrastructure requests, but no direct indication of housing-regulatory reform, HUD modernization, or banking-rule legislation being enacted.
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The member’s current office page states he serves in the 119th Congress and is a member of the House Financial Services Committee.
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The House Clerk records Roll Call 224 on H.R. 6644 as passed, 358-32, and lists Barry Loudermilk of Georgia voting Yea.
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GovInfo publishes H.R. 6644 as Public Law 119-101, approved July 11, 2026. The enacted text includes housing supply, HUD program reform, streamlined reviews, and a title strengthening community banks' role in housing.
Assessments
The promised outcome was to support legislation reducing housing regulatory burdens, modernizing HUD-related capabilities, and expanding bank lending flexibility for housing affordability. H.R. 6644 became Public Law 119-101 on July 11, 2026, during Loudermilk's 119th Congress service, and the evidence says it included housing supply, HUD reform, streamlined reviews, and community-bank housing provisions. The House roll call also records Loudermilk voting Yea on final passage, with additional evidence of related committee and sponsorship activity. This is enough for full delivery in the same federal term.
Evidence shows Loudermilk took concrete same-term action aligned with parts of the promise, especially sponsoring and advancing housing-regulatory and bank-regulatory relief legislation in committee. He reintroduced the Respect State Housing Laws Act and later said it passed out of committee, which supports the housing-regulatory-burden portion. He also said separate legislation to reduce compliance burdens for banks and credit unions passed out of committee, supporting the lending-freedom portion. However, the record provided does not show enactment into law, does not show clear delivery on modernizing HUD capabilities, and overall falls short of full fulfillment of the broad affordability promise. Because there is meaningful legislative advancement but not completed delivery, the best judgment is partial rather than delivered or never.