ROAD to Housing Act Becomes Law, Aims to Boost Supply and Curb Big Investors

Congress’s 21st Century ROAD to Housing Act automatically became law after President Trump neither signed nor vetoed it. The measure seeks to increase housing supply by reducing regulatory barriers, reforming zoning/land-use rules, broadening financing access, and restricting purchases by large institutional buyers of single-family homes (with exceptions). It also expands the federal definition of manufactured housing, and creates a four-year pilot to improve access to small mortgages (under $100,000) with lender subsidies and down‑payment/closing-cost grants. Experts say relief will be gradual since housing development depends on local costs, labor, and zoning, so benefits won’t appear overnight.