Expands housing supply and affordability through a wide range of changes to federal housing programs, including financial counseling, zoning guidance, manufactured and modular homes, rural housing loans, disaster recovery grants, homelessness programs, veterans' home loan disclosures, and oversight requirements for housing agencies.

• Requires HUD to publish guidelines on state and local zoning reforms and creates grant programs for localities that increase housing supply
• Requires states to certify that manufactured homes without permanent chassis are treated under state law, and creates grants and studies for modular and manufactured housing
• Creates a Long-Term Disaster Recovery Fund and a Community Development Block Grant disaster recovery program for catastrophic major disasters
• Requires FHA and VA loan disclosures and a military service question on the Uniform Residential Loan Application, and adds annual testimony requirements for housing regulators

• Banking, Housing, and Urban Affairs Committee (Senate)

Housing and Community Development