H.R. 6270

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6270 Introduced in House (IH)]

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119th CONGRESS
1st Session
H. R. 6270

To conduct a review of Federal Housing Administration construction 
financing programs, and for other purposes.

_______________________________________________________________________

IN THE HOUSE OF REPRESENTATIVES

November 21, 2025

Mrs. McClain (for herself and Mr. Lynch) introduced the following bill; 
which was referred to the Committee on Financial Services

_______________________________________________________________________

A BILL

To conduct a review of Federal Housing Administration construction 
financing programs, and for other purposes.

Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ``Modular Housing Production Act''.

SEC. 2. DEFINITIONS.

In this Act:
(1) Manufactured home.--The term ``manufactured home'' has 
the meaning given the term in section 603 of the National 
Manufactured Housing Construction and Safety Standards Act of 
1974 (42 U.S.C. 5402).
(2) Modular home.--The term ``modular home'' means a home 
that is constructed in a factory in 1 or more modules, each of 
which meet applicable State and local building codes of the 
area in which the home will be located, and that are 
transported to the home building site, installed on 
foundations, and completed.
(3) Secretary.--The term ``Secretary'' means the Secretary 
of Housing and Urban Development.

SEC. 3. FHA CONSTRUCTION FINANCING PROGRAMS.

(a) In General.--The Secretary shall conduct a review of Federal 
Housing Administration construction financing programs to identify 
barriers to the use of modular home methods.
(b) Requirements.--In conducting the review under subsection (a), 
the Secretary shall--
(1) identify and evaluate regulatory and programmatic 
features that restrict participation in construction financing 
programs by modular home developers, including construction 
draw schedules; and
(2) identify administrative measures authorized under 
section 525 of the National Housing Act (12 U.S.C. 1735f-3) to 
facilitate program utilization by modular home developers.
(c) Report.--Not later than 1 year after the date of enactment of 
this Act, the Secretary shall publish a report that describes the 
results of the review conducted under subsection (a), which shall 
include a description of programmatic and policy changes that the 
Secretary recommends to reduce or eliminate identified barriers to the 
use of modular home methods in Federal Housing Administration 
construction financing programs.
(d) Rulemaking.--
(1) In general.--Not later than 120 days after the date on 
which the Secretary publishes the report under subsection (c), 
the Secretary shall initiate a rulemaking to examine an 
alternative draw schedule for construction financing loans 
provided to modular and manufactured home developers, which 
shall include the ability for interested stakeholders to 
provide robust public comment.
(2) Determination.--Following the period for public comment 
under paragraph (1), the Secretary shall--
(A) issue a final rule regarding an alternative 
draw schedule described in paragraph (1); or
(B) provide an explanation as to why the rule shall 
not become final.

SEC. 4. STANDARDIZED UNIFORM COMMERCIAL CODE FOR MODULAR HOMES.

(a) Award.--The Secretary may award a grant to study the design and 
feasibility of a standardized uniform commercial code for modular 
homes, which shall evaluate--
(1) the utility of a standardized coding system for 
serializing and securing modules, streamlining design and 
construction, and improving modular home innovation; and
(2) a means to coordinate a standardized code with 
financing incentives.
(b) Authorization of Appropriations.--There is authorized to be 
appropriated such funds as may be necessary to carry out subsection 
(a).
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