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The biggest housing bill in decades will become law this week. The 21st Century Road to Housing Act is a comprehensive, that seeks to address the country’s housing shortage. From encouraging new construction to cutting burdensome regulations and easing rules for manufactured housing, much of the ROAD to Housing Act aligns with the national movement to fix the supply crisis by building more homes faster. 

But the law also tackles an often-overlooked aspect of this crisis: the financing systems that lock millions of families out of affordable homes that already exist. The legislation’s small-dollar mortgage and home repair provisions seek to increase the supply, financing and quality of this critical housing stock. 

Join The Future of Land and Housing program online on July 22, 2026 from 12:00–1:00 p.m. ET for a discussion of how the ROAD Act could unlock millions of existing affordable homes nationwide, and what needs to happen next for the promise of the ROAD Act to become reality. We’ll begin by previewing a soon to be released ¹ú²úÊÓƵ and Craig J. Richardson Economic Consulting, LLC report, commissioned by the U.S. Department of Housing and Urban Development, that explores supply, financing and quality solutions for increasing access to small-dollar homes (several of which intersect with provisions in the ROAD Act).