The Mortgage Bankers Association (MBA) is calling on the U.S. House of Representatives to pass the Housing for the 21st Century Act as the bipartisan legislation heads to the floor for a vote on Monday.
In a letter sent to House members Friday, the MBA reiterated its full support of the bill, which aims to increase housing supply and affordability. The trade group specifically championed the legislation’s provisions to modernize Federal Housing Administration multifamily loan limits, improve rural housing programs and streamline environmental reviews, noting these proposals are critical to addressing the nation’s housing supply crisis.
The MBA asserts in its letter to lawmakers that the bill will address the nation’s housing supply shortage and affordability challenges. By focusing on regulatory bottlenecks and updating outdated federal policies, the association argues the legislation will unlock private capital and facilitate the construction of much-needed rental and owner-occupied housing.
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The bill, H.R. 6644, which was introduced by Rep. Maxine Waters, D-Calif., and sponsored by Rep. French Hill, R-Ark., has been supported by other House members on both sides of the aisle. The legislation seeks to tackle the root causes of the housing affordability crisis in America, targeting zoning barriers and antiquated federal processes that have stifled development.
The House is considering the measure under a mechanism called “suspension of the rules,” a procedural tactic that streamlines consideration of noncontroversial legislation to permit its potentially swifter passage. While this allows for expedited consideration and limits debate, it sets a higher bar for passage, requiring a two-thirds majority vote rather than a simple majority.
If passed by the House, the bill would move to the Senate, where its bipartisan nature could offer a viable path to landing on President Donald Trump’s desk for his signature later this year.



