Limit USDA Single Family Housing Guaranteed Loan restrictions so they cannot bar guaranteed loans because the borrower uses the home for noncommercial home-based operations such as child care, product sales, or craft production.

April McClain Delaney · Maryland · Democratic

policy impact 0.54 specificity 0.91 extraction confidence 96%

Commitment kind: unknown. Promised action: not established. Promised outcome: not established. Deadline: unknown; not assumed expired.

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Occurrences

The Secretary may not restrict guaranteed loans under this section on the basis that loan funds are used for home-based operations that do not require specific commercial real estate features, including child care, product sales, or craft production.

Offered an amendment to prevent USDA from denying guaranteed home loans because the borrower runs certain low-overhead home-based businesses.

BILLS-119-78-M001232-Amdt-78.pdf
primary · other · model gpt-5.4-mini

Evidence

legacy_unverified · Source version not recorded · locator unknown

The current eCFR text for 7 CFR 3555.102 says a USDA guarantee will not be issued if loan funds are used for income-producing land or buildings, or for buildings designed to accommodate a business or income-producing enterprise. The page states Title 7 is up to date as of 8/12/2026 and was last amended 8/03/2026.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): Current codified USDA SFH Guaranteed Loan rules still contain the restrictions without the promised home-based-operations exception, so the restriction change is not yet delivered as of the latest eCFR update available near the lookback window.

unresolved same_term

eCFR: 7 CFR 3555.102 -- Loan restrictions
secondary · model gpt-5.5 · confidence 93%

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legacy_unverified · Source version not recorded · locator unknown

USDA Rural Housing Service issued a proposed rule, docket RHS-26-SFH-0100, RIN 0575-AD45, to amend the SFHGLP regulation. It proposed clarifying that borrowers can finance properties with features designed for home-based operations with non-commercial real estate features, including childcare, product sales, or craft production. Comments were due June 1, 2026.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): USDA has taken a concrete rulemaking step that closely matches the promised change, but it was only a proposed rule, not a final codified restriction change.

partial same_term

Federal Register: Single Family Housing Guaranteed Loan Program--Income Producing Accessory Dwelling Unit (ADU) Provisions
secondary · model gpt-5.5 · confidence 95%

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Assessments

Public state: unverified As of unknown · legacy_unverified · . Original AI recommendation (not independently established): partial. same_term

The promised restriction change has not been fully delivered because current 7 CFR 3555.102 still bars guarantees for income-producing land/buildings and buildings designed for business or income-producing enterprises, with no codified exception for noncommercial home-based operations. USDA did issue a same-term proposed rule in March 2026 that closely tracks the promised change by allowing financing for properties with non-commercial home-based operation features such as childcare, product sales, or craft production. Because that rule is still proposed rather than final, and the evidence does not show McClain Delaney personally wrote, sponsored, or materially advanced it, this warrants partial credit rather than full delivery or an effort badge.

provider codex_cli · model gpt-5.5 · confidence 90%