Housing Affordability Act
Latest action (Apr 30, 2025) — Read twice and on Banking, Housing, and Urban Affairs.
What it does
Congressional Research Service, Apr 30, 2025This bill increases the Federal Housing Administration’s (FHA's) multifamily housing loan limits for mortgage insurance and requires the use of a more specific inflation index for these limits.
Specifically, the bill increases the loan limits to qualify for FHA mortgage insurance for rental housing, cooperative housing, rehabilitation and neighborhood conservation housing, housing for moderate income and displaced families, housing for elderly persons, and condominiums, and it requires these limits to be indexed to the Price Deflator Index of Multifamily Residential Units Under Construction released by the Bureau of the Census. Currently, these limits are indexed to the Consumer Price Index for All Urban Consumers.
Face Value
as introducedHow much of this bill its name accounts for.
- Every bill starts at100
- Nothing counted against it: one area of law, and short enough that length doesn't register.
Face Value measures reach, not honesty. A big bill can be accurately named, and a low score is not an accusation — it means the contents reach further than any short title could describe. Count it yourself ↗ How this is worked out
Who lobbied on this
4 organizationsThese organizations told Congress, in their own quarterly disclosures, that they were lobbying on this bill.
- Commercial Real Estate Finance Councilno position stated
“…Issues related to H.R. 6132/S. 1527 - Housing Affordability…” filing ↗
- National Apartment Associationno position stated
“…S.1527 - Housing Affordability…” filing ↗
- National Association of Realtorsno position stated
“…H.R. 7282 Freeing Residential Affordable Markets from Excess Regulation (FRAMER) Act H.R. 7402 Unlocking Homeownership Act H.R. 7185 Home Savings Act S. 1527 Housing Affordability Act H.R. 5601 Faith in Housing Act Rental Housing Issues S.470/H.R. 1078 - Respect State Housing Laws Act VA Housing…” filing ↗
- National Multifamily Housing Councilno position stated
“…Housing Affordability Act, all provisions (S. 1527 / H.R. 6132). Families First Housing Act, all provisions (H.R. 6962). Accelerating Home Building Act of 2025, all provisions (S. 2361).…” filing ↗
Most filings say only that an organization lobbied on a bill, not which side it took — where that's the case we say so rather than guessing. Quotes are verbatim from the filing. How this is built.
Discussion
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