Statute / Public Law 119-101
21st Century ROAD to Housing Act
Not a summary of the Act. The Act, read against its own text. Every finding below carries a quote that appears word for word in the enrolled bill, in the section it claims to be in, checked by a program rather than asserted by a reader.
- 1,957verified findings
- 12titles
- 59sections
- 331dated obligations
- 169provisions that mislead
Enrolled bill held in three formats. Chain head 963e1613dab51a5acac96bfd.
Download the same file,
hash it, compare.
The dates this Act sets
331 findings carry a date. These are the ones still ahead, nearest first. Counted from 2026-08-12, the day this page was built. The full set is in the explorer below.
- in 28 days
Not later than 60 days after the date of enactment, meaning by September 9, 2026, the Secretary shall notify each eligible recipient of its housing growth improvement rate and whether that rate is above, at, or below the median for all eligible recipients other than extremely high-growth recipients.
- in 28 days
As part of the notification, the Secretary shall share guidance, including resources developed by HUD, on best practices and recommendations for policies to reduce regulatory barriers to housing and increase housing supply.
- in 28 days
Within 60 days of enactment HUD must notify each eligible CDBG recipient of its housing growth improvement rate and whether it is above, at, or below the national median.
- in 2 months
Subsection (c) states that the amendment made by this subsection shall take effect on October 1, 2026, but subsection (c) makes no amendment. The amendments are made by subsections (a) and (b), so the referent of the October 1, 2026 date is ambiguous on the face of the text.
- in 2 months
Notwithstanding any other provision of law, not later than October 1 of each year, each receiver or Federal monitor currently appointed to oversee a covered PHA must provide a written assessment to House Financial Services and Senate Banking. Title VIII contains no effective-date or phase-in provision, so the first…
- in 2 months
For fiscal year 2027 and each fiscal year thereafter, civil penalties assessed under this section shall be transferred to and available to HUD, but only to the extent and in the amounts provided in advance in appropriations Acts. Federal fiscal year 2027 begins 2026-10-01.
- in 2 months
Not later than October 1 of each year every receiver or federal monitor overseeing a covered public housing agency must report to the House Financial Services and Senate Banking committees.
- in 2 months
The effective date clause says the amendment made by "this subsection" takes effect October 1, 2026, but subsection (c) makes no amendment; the amendments are in subsections (a) and (b).
- in 2 months
Notwithstanding any other provision of law or regulation, a recipient may request a waiver of the section 415(b) expenditure limit for amounts provided for each of fiscal years 2027 through 2030.
- in 2 months
Notwithstanding any other provision of law, each receiver or Federal monitor currently appointed over a covered public housing agency must provide a written assessment to the House Financial Services and Senate Banking Committees not later than October 1 of each year.
Every one of these also appears on the gate calendar, alongside the dates every other program we track is running against, and on the entity atlas next to the agency that owes it.
What reading the text found
Findings are classed by what they are, not by where they sit. The first class is the one a summary cannot produce: a provision whose operative text does not match its own heading.
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gotcha 169
A provision that does not do what its heading says. The class of finding a summary structurally cannot carry.
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deadline 89
A date the Act itself sets.
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mandate 143
A duty the Act imposes, in shall or must.
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rulemaking 51
A hook where an agency is directed or permitted to write rules.
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sunset 35
An authority that expires.
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threshold 123
A number that changes what applies.
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dollar 30
A figure written into the law.
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exception 121
A carve-out from a rule stated elsewhere.
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loophole 33
A gap the text leaves open.
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discretion 57
Where the Act says may rather than shall.
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opportunity 51
A place the Act creates something to compete for.
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study 73
A report or study the Act commissions.
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reporting 122
A recurring reporting obligation.
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eligibility 47
Who or what qualifies.
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definition 101
A defined term that controls meaning.
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formula 26
An allocation or calculation method.
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provision 237
A substantive operative provision.
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agency assignment 12
Which agency owns the duty.
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penalty 20
A consequence for non-compliance.
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date 17
The Act, title by title
The spine is parsed out of the enrolled bill's own table of contents, so every title and section is named exactly as the statute names it.
Title I, Opportunities for Housing
7 sections · 115 findings
Title II, Building More in America
13 sections · 342 findings
Title III, Manufactured Housing for America
4 sections · 114 findings
Title IV, Accessing the American Dream
5 sections · 121 findings
Title V, Program Reform
5 sections · 370 findings
Title VI, Veterans and Housing
3 sections · 68 findings
Title VII, Oversight and Accountability
4 sections · 63 findings
Title VIII, Accountability, Coordination, Studies and Reporting
5 sections · 84 findings
Title IX, Strengthening Community Banks
9 sections · 154 findings
Title X, Home-Ownership for Main Street America
1 sections · 92 findings
Title XI, Central Bank Digital Currency
1 sections · 26 findings
Title XII, Miscellaneous
2 sections · 8 findings
Read the findings against the text
1,557 findings, each with the quote it rests on. Search them, filter by section or class, and open the statute at the exact span.
About 1.2 MB, fetched only when you ask for it so the page itself stays light.
Why a finding here means something
- 1
A drafting agent reads the enrolled bill and extracts claims, each carrying a verbatim quote.
- 2
An independent adversarial agent re-reads the bill and tries to refute every claim.
- 3
A deterministic pass re-derives the check: each quote is whitespace-normalized and must appear verbatim in the normalized statute, and must sit inside the span of the section the claim cites. Anything failing either test is discarded no matter how confident the agents were.
The section-locality check is what catches a real quote pinned to the wrong section, the error class that once put CDBG-DR at Sec. 501 in a client document. Section spans come from the Act's own table of contents, not a heading scan, so amendatory text inserting foreign sections does not create phantom sections.
Questions
- What does verified mean on this page?
- Three stages, and only the third is mechanical. An agent reads the enrolled bill and extracts a claim with a verbatim quote. A second, independent agent tries to refute it. Then a deterministic pass re-derives the check: the quote must appear word for word in the normalized statute, and it must sit inside the span of the section the claim cites. Anything failing either test is discarded no matter how confident the agents were.
- Why does the section check matter as much as the quote check?
- Because a real quote pinned to the wrong section is the error that survives review. It reads correctly and it is wrong. That exact failure once put the disaster recovery provision at Section 501 in a client document when it is Section 504, and Section 501 is an unrelated reauthorization. Section spans are derived from the Act's own table of contents rather than a heading scan, so amendatory text that inserts foreign section numbers does not create phantom sections.
- What is a gotcha?
- A provision that does not do what its heading says. These are the findings a summary structurally cannot carry, because a summary paraphrases the heading. Reading the enacted text against itself is the only way to surface them.
- Can I check the seal myself?
- Yes, and that is the point. The enrolled bill is held in three formats with a SHA3-256 over the raw bytes. Download the same file from the Government Publishing Office, hash it, and compare. The claim corpus carries its own chain head over every sealed record.
- Is this legal advice?
- No. It is the text of the law with every assertion traced to the span it came from. What a provision requires of a specific organization is a question for that organization's counsel.
Name the statute. We read it the same way.
This is one Act, read to the byte. The method is the product, and it runs on whichever law your work turns on.