H.R. 6644, the "21st Century ROAD to Housing Act," would make multiple changes to federal housing regulations and programs. Among other provisions, it would ban large institutional investors from owning residential properties for more than seven years, permanently reauthorize the Community Development Block Grant Disaster Recovery Program, create multiple new federal grant programs, and prohibit the creation of a central bank digital currency (CBDC) through December 31, 2030.

The Senate passed H.R. 6644 on March 12, 2026 by a vote of 89 to 10 (Roll Call 53). We have assigned pluses to the nays because the Constitution does not authorize the federal government to regulate or spend money on housing. To truly restore affordable housing, Congress must eliminate every existing federal agency, regulation, and program. Additionally, Representative Warren Davidson (R-Ohio) described the four-year CBDC ban as merely "a pre-launch development period" that would fail to actually stop its creation.