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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 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. Four are published in full below, and the section index says where the rest of them sit.

  • 1,957verified findings
  • 12titles
  • 59sections
  • 331dated obligations
  • 169provisions that mislead
Held and sealed

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. The dates themselves are in the enrolled bill and anyone can read them. What each one actually obliges, and of whom, is the read. Three are below in full. Counted from 2026-10-05, the day this page was built.

  1. 26 days ago

    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.

    Sec. 213(e)(1)(A) deadline

  2. 26 days ago

    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.

    Sec. 213(e)(1)(B) mandate

  3. 26 days ago

    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.

    Sec. 213(e)(1) deadline

The next gates after those, dates and sections only.

  1. in 4 days Sec. 502(s)(2)(A) reporting
  2. in 4 days Sec. 502 (eligibility determination timeliness) reporting
  3. in 3 months Sec. 106(b)(1) deadline

328 further dated obligations are held and not published, each with the section that owes it and what it owes. Ask for the full read, or see the same dates against every other program we track on the gate calendar.

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.

  • gotcha 169

    A provision that does not do what its heading says. The class of finding a summary structurally cannot carry.

  • deadline 89

    A date the Act itself sets.

  • mandate 143

    A duty the Act imposes, in shall or must.

  • rulemaking 51

    A hook where an agency is directed or permitted to write rules.

  • sunset 35

    An authority that expires.

  • threshold 123

    A number that changes what applies.

  • dollar 30

    A figure written into the law.

  • exception 121

    A carve-out from a rule stated elsewhere.

  • loophole 33

    A gap the text leaves open.

  • discretion 57

    Where the Act says may rather than shall.

  • opportunity 51

    A place the Act creates something to compete for.

  • study 73

    A report or study the Act commissions.

  • reporting 122

    A recurring reporting obligation.

  • eligibility 47

    Who or what qualifies.

  • definition 101

    A defined term that controls meaning.

  • formula 26

    An allocation or calculation method.

  • provision 237

    A substantive operative provision.

  • agency assignment 12

    Which agency owns the duty.

  • penalty 20

    A consequence for non-compliance.

  • date 17

    A date the text fixes that is not itself a deadline.

Four findings, in full

One per class, from three different titles. Each carries the statement, the quote it rests on, and what it costs a reader who gets it wrong. This is what all 1,957 of them look like.

  1. Sec. 601 gotcha

    Section 601 is headed Military Service Question but its operative text never requires the question. It requires only a disclosure positioned below a military service question. The provision that actually mandates the question is Sec. 603(b), whose subsection heading is also Military Service Question.

    The text says
    enterprise to include a disclosure below the military service question,

    What it costs you

    A reader who pulls Sec. 601 by its heading will conclude the Act mandates the veteran-status question and will scope a lender readiness engagement to the wrong section. Two provisions in the same title carry the same name and impose different duties, so any client memo needs a duty matrix keyed to…

  2. Sec. 504(f)(6)(B) loophole

    Notwithstanding the paragraph (6)(A) conditions, the Privacy Act at 5 U.S.C. 552a, or any other law, the Secretary is authorized to share data with grantees, HUD offices, technical assistance providers, and lenders, and those entities are authorized to use the data as described in the section, if a data sharing…

    The text says
    Data sharing agreement.--Notwithstanding clauses (i) and (ii) of subparagraph (A), section 552a of title 5, United States Code, or any other law, the Secretary is authorized to share data with an entity identified in paragraph (4)

    What it costs you

    This is the largest quiet grant of authority in Sec. 504. A bilateral contract substitutes for Privacy Act compliance, for the computer matching agreement, and for Federal Register notice, and the counterparties include private lenders and technical assistance contractors. For any firm serving as…

  3. Sec. 504(g) sunset

    The section 124 CDBG disaster recovery program terminates 3 years after enactment, which is 2029-07-11. This is not a permanent program.

    The text says
    (g) Sunset.--The program under section 124 of the Housing and Community Development Act of 1974, as added by subsection (d) shall terminate on the date that is 3 years after the date of enactment of this Act.

    What it costs you

    The draft claim set called this program permanently authorized in five separate places. It is not. Every engagement model, staffing plan, and multi-year fee projection built on permanence is wrong. A 6-year grantee expenditure clock under Sec. 124(j)(1) can outlive the program that created the…

  4. Sec. 208(e)(1) dollar

    There is authorized to be appropriated $200,000,000 for each of fiscal years 2027 through 2031, a five year total of $1,000,000,000.

    The text says
    (1) In general.--There is authorized to be appropriated to carry out this section $200,000,000 for each of fiscal years 2027 through 2031.

    What it costs you

    This is an authorization, not an appropriation, so not one dollar flows until an appropriations act provides it. FY2027 begins October 1, 2026, which means the first possible money predates the July 11, 2027 program stand-up deadline. Track the FY2027 THUD appropriations bill, because the line…

1,953 more are held and not published. The section index below says which sections they sit in and what class they are.

Every section, and what is in it

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. Against each one: how many findings it holds and what class they are. Search for the section your work turns on and see what the read found there.

59 sections, 1,557 findings indexed

Title I, Opportunities for Housing

7 sections · 115 findings

  • Sec. 101 Housing counseling and financial literacy reform gotcha 3 deadline 1 mandate 2 threshold 1 +6 more classes 21 findings
  • Sec. 102 Federal guidelines for point-access block buildings gotcha 2 deadline 1 mandate 1 sunset 2 +5 more classes 12 findings
  • Sec. 103 Exemption for construction on infill sites exception 3 loophole 1 reporting 2 definition 3 +1 more class 10 findings
  • Sec. 104 Database of publicly owned land gotcha 3 mandate 1 opportunity 1 eligibility 1 6 findings
  • Sec. 105 FHA small-dollar mortgages gotcha 1 sunset 4 threshold 1 discretion 2 +3 more classes 17 findings
  • Sec. 106 Temperature sensor pilot program gotcha 3 deadline 4 mandate 5 rulemaking 1 +8 more classes 25 findings
  • Sec. 107 Housing supply frameworks gotcha 2 deadline 3 mandate 1 rulemaking 2 +5 more classes 24 findings

Title II, Building More in America

13 sections · 342 findings

  • Sec. 201 Increasing housing in opportunity zones discretion 1 definition 1 provision 1 3 findings
  • Sec. 202 Whole-Home Repairs Act gotcha 4 mandate 9 sunset 2 threshold 10 +9 more classes 53 findings
  • Sec. 203 Community Investment and Prosperity Act (bank public-welfare cap) deadline 1 mandate 1 threshold 3 reporting 3 +1 more class 12 findings
  • Sec. 204 Affordable housing construction as an eligible CDBG activity gotcha 3 threshold 3 definition 1 provision 3 10 findings
  • Sec. 205 Better use of intergovernmental and local development gotcha 4 exception 2 loophole 1 discretion 3 +2 more classes 15 findings
  • Sec. 206 Streamlined environmental review gotcha 3 deadline 1 rulemaking 2 threshold 9 +7 more classes 44 findings
  • Sec. 207 Planning and implementation grants gotcha 2 deadline 3 sunset 5 threshold 1 +6 more classes 19 findings
  • Sec. 208 Housing Supply Innovation Fund (the money) gotcha 9 deadline 2 mandate 7 rulemaking 3 +10 more classes 62 findings
  • Sec. 209 Accelerating Home Building Act gotcha 3 mandate 2 threshold 2 exception 1 +7 more classes 22 findings
  • Sec. 210 Revitalizing empty structures (office-to-residential) threshold 1 exception 1 loophole 1 discretion 2 +4 more classes 11 findings
  • Sec. 211 Housing Affordability Act (FHA multifamily limits) gotcha 3 deadline 1 mandate 1 rulemaking 2 +8 more classes 35 findings
  • Sec. 212 Rental Assistance Demonstration (RAD) gotcha 2 mandate 3 sunset 3 threshold 2 +5 more classes 24 findings
  • Sec. 213 Build Now Act gotcha 4 deadline 2 mandate 2 sunset 1 +11 more classes 32 findings

Title III, Manufactured Housing for America

4 sections · 114 findings

  • Sec. 301 Housing Supply Expansion Act gotcha 2 deadline 5 mandate 5 rulemaking 3 +8 more classes 42 findings
  • Sec. 302 Modular Housing Production Act gotcha 1 deadline 1 mandate 1 rulemaking 1 +4 more classes 10 findings
  • Sec. 303 Property improvement and manufactured housing loans gotcha 2 deadline 1 mandate 3 rulemaking 1 +7 more classes 30 findings
  • Sec. 304 PRICE Act gotcha 3 mandate 1 rulemaking 1 sunset 2 +8 more classes 32 findings

Title IV, Accessing the American Dream

5 sections · 121 findings

  • Sec. 401 Incentives for small-dollar loan originators gotcha 3 deadline 1 threshold 1 study 1 +4 more classes 15 findings
  • Sec. 402 Small-dollar mortgage points and fees gotcha 6 deadline 1 threshold 1 definition 1 +1 more class 10 findings
  • Sec. 403 Appraisal Industry Improvement Act deadline 2 mandate 5 rulemaking 1 threshold 1 +8 more classes 37 findings
  • Sec. 404 Helping More Families Save Act gotcha 4 deadline 4 mandate 3 sunset 2 +7 more classes 38 findings
  • Sec. 405 Choice in Affordable Housing Act gotcha 1 deadline 1 mandate 1 threshold 3 +7 more classes 21 findings

Title V, Program Reform

5 sections · 370 findings

  • Sec. 501 HOME Investment Partnerships reauthorization and reform gotcha 12 deadline 6 mandate 5 rulemaking 6 +12 more classes 98 findings
  • Sec. 502 Rural Housing Service Reform Act gotcha 8 deadline 4 mandate 11 rulemaking 9 +14 more classes 101 findings
  • Sec. 503 Incentivizing local solutions to homelessness gotcha 1 deadline 2 mandate 3 sunset 1 +6 more classes 15 findings
  • Sec. 504 Reforming Disaster Recovery Act (CDBG-DR) gotcha 13 deadline 13 mandate 14 rulemaking 6 +13 more classes 114 findings
  • Sec. 505 New Moving to Work cohort gotcha 2 mandate 4 threshold 6 exception 4 +9 more classes 42 findings

Title VI, Veterans and Housing

3 sections · 68 findings

  • Sec. 601 Military service question gotcha 4 mandate 4 rulemaking 2 threshold 1 +2 more classes 17 findings
  • Sec. 602 Housing Unhoused Disabled Veterans Act gotcha 6 mandate 1 threshold 1 exception 3 +5 more classes 25 findings
  • Sec. 603 VA Loan Informed Disclosure (VALID) Act gotcha 5 deadline 2 mandate 6 rulemaking 3 +4 more classes 26 findings

Title VII, Oversight and Accountability

4 sections · 63 findings

  • Sec. 701 Annual testimony and oversight from housing regulators gotcha 2 mandate 2 discretion 1 reporting 6 +1 more class 12 findings
  • Sec. 702 FHA reporting on safety and soundness gotcha 2 mandate 1 reporting 4 provision 1 8 findings
  • Sec. 703 US Interagency Council on Homelessness gotcha 2 reporting 6 provision 5 13 findings
  • Sec. 704 Appraisal Modernization Act gotcha 3 deadline 1 mandate 6 loophole 1 +6 more classes 30 findings

Title VIII, Accountability, Coordination, Studies and Reporting

5 sections · 84 findings

  • Sec. 801 HUD-USDA-VA interagency coordination gotcha 1 deadline 1 mandate 1 rulemaking 2 +3 more classes 11 findings
  • Sec. 802 Streamlining rural housing gotcha 1 deadline 3 exception 2 study 1 +2 more classes 12 findings
  • Sec. 803 Self-sufficiency of families in HUD-subsidized housing deadline 1 mandate 1 threshold 2 loophole 1 +4 more classes 11 findings
  • Sec. 804 GAO studies gotcha 1 opportunity 5 study 9 reporting 4 +2 more classes 24 findings
  • Sec. 805 Public housing agency accountability deadline 3 mandate 7 discretion 1 reporting 8 +4 more classes 26 findings

Title IX, Strengthening Community Banks

9 sections · 154 findings

  • Sec. 901 Community bank deposit access gotcha 2 threshold 3 exception 1 eligibility 2 +3 more classes 16 findings
  • Sec. 902 Keeping deposits local deadline 1 threshold 4 opportunity 1 study 6 +3 more classes 18 findings
  • Sec. 903 Tailored regulatory updates for supervisory testing gotcha 1 threshold 3 4 findings
  • Sec. 904 Credit union board modernization gotcha 1 mandate 3 eligibility 1 definition 1 +1 more class 9 findings
  • Sec. 905 Systemic risk authority transparency deadline 2 mandate 2 threshold 1 exception 6 +4 more classes 31 findings
  • Sec. 906 Mentor-protege program for small financial institutions gotcha 3 mandate 2 rulemaking 2 threshold 2 +4 more classes 18 findings
  • Sec. 907 American Access to Banking deadline 4 mandate 5 rulemaking 1 discretion 1 +4 more classes 23 findings
  • Sec. 908 Promoting new bank formation gotcha 5 deadline 4 sunset 1 threshold 1 +7 more classes 25 findings
  • Sec. 909 Rural depositories revitalization study deadline 1 study 5 reporting 2 definition 2 10 findings

Title X, Home-Ownership for Main Street America

1 sections · 92 findings

  • Sec. 1001 Homes are for People, Not Corporations (institutional investor ban) gotcha 12 deadline 6 mandate 9 rulemaking 3 +13 more classes 92 findings

Title XI, Central Bank Digital Currency

1 sections · 26 findings

  • Sec. 1101 Central Bank Digital Currency prohibition gotcha 5 mandate 2 sunset 2 threshold 4 +5 more classes 26 findings

Title XII, Miscellaneous

2 sections · 8 findings

  • Sec. 1201 Severability gotcha 1 provision 3 4 findings
  • Sec. 1202 No additional funds authorized gotcha 3 provision 1 4 findings

Counts and classes are published. The findings themselves are not. Tell us which sections your work turns on and we will send the read for those, quotes and all.

Why a finding here means something

  1. 1

    A drafting agent reads the enrolled bill and extracts claims, each carrying a verbatim quote.

  2. 2

    An independent adversarial agent re-reads the bill and tries to refute every claim.

  3. 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.
Why are only four of the findings published?
Because the findings are the work. The counts, the classes, the section spine and the seal are all here, and they are enough to tell you whether the section your work turns on has been read and what class of trouble sits in it. What each finding says, the quote it rests on and what it costs to get it wrong go to the people we do the work for. Four are published in full so the standard is visible rather than asserted.
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.

Get the read, not the summary.

1,953 findings on this Act are held and not published, and the method runs on whichever law your work turns on. Tell us the statute and the sections that matter, and we send back the findings with the quote under each one.

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