Housing

Expanding Head Start Eligibility Act of 2025

United States · United States Congress · 24 January 2025

Expanding Head Start Eligibility Act of 2025 This bill expands eligibility for Head Start programs to include the children of families eligible for specified public assistance programs.  Specifically, the bill expands Head Start eligibility to include the children of families that qualify for the Special Supplemental Nutrition Program for Women, Infants, and Children (WIC), the Food Distribution Program on Indian Reservations (FDPIR), and federal housing assistance (commonly known as Section 8). The bill also provides statutory authority for the eligibility of families that qualify for Temporary Assistance for Needy Families (TANF), Supplemental Security Income (SSI), and the Supplemental Nutrition Assistance Program (SNAP). Families that qualify for state-funded food assistance programs with eligibility standards identical or substantially similar to the standards for SNAP must also be eligible for Head Start. 

Build Housing with Care Act of 2025

United States · United States Congress · 23 January 2025

Vital Documents Access for Unaccompanied Homeless Youth Act of 2025

United States · United States Congress · 23 January 2025

Improving Federal Assistance to Families Act

United States · United States Congress · 23 January 2025

Improving Federal Assistance to Families Act This bill directs the Bureau of the Census to develop and publish a new regional poverty line index for each state, and requires the Department of Health and Human Services (HHS) to use the new index to determine eligibility for federal programs in certain circumstances.  Specifically, the bureau must develop and publish a new poverty line index, to be known as the Regionally Adjusted Poverty Line , that is measured separately for each state on an annual basis. The Regionally Adjusted Poverty Line must use new poverty thresholds calculated based on the most recent poverty thresholds and each state’s most recent regional price parity. (Poverty thresholds are specified dollar amounts used by the bureau to determine a household’s poverty status. Regional price parities are measurements of the differences in price levels between states and the national average, and are published by the Bureau of Economic Analysis.)   For each state, HHS must determine annually which poverty line index—the Regionally Adjusted Poverty Line or the current poverty line—results in a greater percentage of households falling below the poverty line. HHS must generally use the identified poverty line index for administrative purposes applicable to each state, including to determine residents’ financial eligibility for certain federal programs.    Finally, the Government Accountability Office must study and report to Congress on the Asset Limited, Income Constrained, Employed threshold, an alternate poverty measure that includes consideration of regional costs of necessities like housing, child care, taxes, and transportation. 

To amend the Internal Revenue Code of 1986 to establish a refundable tax credit for individuals for amounts paid for gas and electricity for primary residences.

United States · United States Congress · 22 January 2025

This bill establishes a refundable tax credit of up to $350 for qualified energy costs, subject to limitations. Under the bill, qualified energy costs are defined as amounts paid by an individual to (1) a utility for gas or electric service to a principal residence, or (2) a landlord for gas or electric service provided by a utility if such amounts are included in the rent for leased property used as the individual’s primary residence. The bill requires a landlord to report the portion of rent attributable to gas and electric service to the Internal Revenue Service and the tenant by the end of January each year. Under the bill, an individual with a modified adjusted gross income (MAGI) in excess of $200,000 (or $400,000 for a joint filer) may not claim the tax credit for qualified energy costs. Under the bill, MAGI is the taxpayer's adjusted gross income increased by amounts excluded from gross income for foreign housing costs; foreign earned income; and income sourced to or effectively connected with a trade or business in Puerto Rico, Guam, American Samoa, or the Northern Mariana Islands. Finally, the tax credit for qualified energy costs may not be claimed by an individual who may be claimed as a dependent by someone else or if another tax credit or tax deduction is claimed for the same costs.

Housing Temperature Safety Act of 2025

United States · United States Congress · 22 January 2025

Supporting Veteran Families in Need Act

United States · United States Congress · 21 January 2025

Supporting Veteran Families in Need Act This bill permanently extends authorization for the Supportive Services for Veteran Families program of the Department of Veterans Affairs, which provides supportive services to very low-income veterans (and their families) occupying or transitioning to permanent housing.

Treatment and Homelessness Housing Integration Act of 2025

United States · United States Congress · 21 January 2025

Student Empowerment Act

United States · United States Congress · 20 January 2025

Student Empowerment Act This bill expands the education-related expenses that may be paid for with tax-free distributions from a qualified tuition program (also known as a 529 plan) to include certain expenses related to elementary, secondary, and homeschool education. Under current law, distributions from a 529 plan are excluded from gross income if they are used to pay for qualified higher education expenses, which includes up to $10,000 (per year and per beneficiary) for tuition at an elementary or secondary public, private, or religious school. The bill expands the education-related expenses that may be paid for with tax-free distributions from a 529 plan to include tuition related to homeschooling and the following expenses related to elementary, secondary, and homeschool education: curriculum and curricular materials, books or other instructional materials, online educational materials, tutoring or educational classes outside the home, testing fees, fees for dual enrollment in an institution of higher education, and educational therapies for students with disabilities.

Disaster Housing Reform for American Families Act

United States · United States Congress · 16 January 2025

Disaster Housing Reform for American Families Act This bill requires the Federal Emergency Management Agency (FEMA) to establish a five-year pilot program under the Individuals and Households Program (IHP) through which FEMA contracts to provide factory-built housing to serve disaster survivors until the disaster declaration terminates and then be utilized for affordable housing. It also authorizes FEMA to provide IHP grants for closing costs associated with obtaining certain mortgages.  Specifically, FEMA must enter into a contract with a producer or seller of manufactured or modular homes to construct such housing as a type of temporary housing assistance under IHP. The bill requires the housing to meet specified criteria, including that it must be available within 90 days (unless extended to 120 days) after the disaster declaration, have no more than four units, and provide a minimum level of protection from natural hazards. The housing must conform to various specified standards, but the bill authorizes the Department of Housing and Urban Development to waive any such requirement for construction under the pilot program. Also, the bill requires FEMA to establish guidelines for transferring the housing to an affordable housing program after the termination of the relevant disaster declaration. However, the bill also authorizes it to become permanent housing after the declaration terminates. In addition, the bill authorizes FEMA to provide IHP grants to disaster-impacted individuals or households purchasing residential property for closing costs associated with obtaining a mortgage from a federal program providing affordable financing options.

Whole-Home Repairs Act of 2025

United States · United States Congress · 16 January 2025

Whole-Home Repairs Act of 2025 This bill establishes a pilot program through which the Department of Housing and Urban Development provides grants to state and local governments to support the ability of certain landlords and low- to moderate-income homeowners to make necessary modifications, repairs, or updates to their properties. State and local governments must use the funds they receive under the program to award grants to homeowners and loans to landlords to make changes that address issues such as accessibility, habitability, and energy efficiency.  A homeowner is eligible for a grant if the homeowner's household income (1) does not exceed 80% of the area median income, (2) does not exceed 200% of the federal poverty guidelines, or (3) meets the income eligibility criteria of another federal program that serves families of limited means. A landlord is eligible for a loan (which may be forgivable) if the landlord owns fewer than 10 rental properties that have a total of up to 50 units and that mostly consist of units that are affordable (i.e., affordable to a tenant with an income that does not exceed 80% of the area median income). The program terminates on October 1, 2030. 

VA Home Loan Awareness Act of 2025

United States · United States Congress · 16 January 2025

VA Home Loan Awareness Act of 2025 This bill requires mortgage lenders to include on the Uniform Residential Loan Application (i.e., Fannie Mae Form 1003 or Freddie Mac Form 65) a notification that applicants with military service may qualify for a Department of Veterans Affairs Home Loan. Not later than 18 months after the enactment of the bill, the Government Accountability Office must study and report on whether at least 80% of lenders using the loan application form have met this requirement.

Wildfire Insurance Coverage Study Act of 2025

United States · United States Congress · 16 January 2025

Wildfire Insurance Coverage Study Act of 2025 This bill requires reports regarding wildfire risk and damage. Specifically, the Government Accountability Office (GAO) must report on trends in wildfire declarations, mitigation practices, state and federal programs regarding wildfire risk, and the need for a national map of wildfire risks. The GAO must also report on (1) the availability and cost of wildfire insurance coverage for homes and commercial property, (2) state regulatory responses to increasing costs of coverage, and (3) impediments to private wildfire insurance coverage.

INCREASE Housing Affordability Act

United States · United States Congress · 16 January 2025

Housing Survivors of Major Disasters Act

United States · United States Congress · 15 January 2025

Housing Survivors of Major Disasters Act This bill expands eligibility for disaster housing assistance under the Federal Emergency Management Agency (FEMA) Individuals and Households Program (IHP) with respect to property damage, availability of housing resources, and constructive (i.e., implied) ownership.   Specifically, the bill lowers the level of damage required to be eligible for IHP housing assistance, so the residence must be damaged by a major disaster instead of rendered uninhabitable. Also, under current law, FEMA is authorized to provide IHP assistance for permanent housing construction where (1) no alternative housing resources are available; and (2) other types of temporary housing assistance are unavailable, infeasible, or not cost-effective. The bill authorizes IHP permanent housing construction where FEMA determines such assistance is a cost-effective alternative to other housing solutions, such as providing for temporary housing costs. Additionally, the bill requires FEMA to consider an individual's or household’s claim of constructive ownership, where evidence supports such ownership is more likely than not, when determining eligibility for IHP financial assistance for home repair or replacement for a residence without documented ownership rights. FEMA must consider all evidence provided (e.g., deeds, tax receipts, insurance documents) when determining whether constructive ownership more likely than not exists. If FEMA determines the evidence is insufficient, FEMA may require a signed declarative statement describing the constructive ownership.

Let's Get to Work Act of 2025

United States · United States Congress · 14 January 2025

Let's Get to Work Act of 2025 This bill modifies and expands work requirements under the Supplemental Nutrition Assistance Program (SNAP) and certain housing programs of the Department of Housing and Urban Development (HUD). Specifically, the bill expands the applicability of the work requirements for SNAP recipients who are able-bodied adults without dependents (ABAWDs). As background, SNAP recipients who are ABAWDs have work-related requirements in addition to the general SNAP work registration and employment and training requirements. The bill applies the work requirements for ABAWDs to adults who are not over 60 years old, whereas these requirements currently apply to adults who are not over 55 years old. Further, the ABAWD exemption for a parent or household member with responsibility for a dependent child is restricted under the bill to a dependent child under the age of six. Currently, the child must be under the age of 18.  The bill allows a member of a household with responsibility for a dependent child to participate in SNAP for up to 6 months (currently 3 months) over a 36-month period without meeting the ABAWD work requirements. The bill also includes an exception for an individual who (1) is responsible for a dependent individual, and (2) is married to and resides with an individual who complies with the SNAP work requirements. Additionally, the bill establishes work requirements for families residing in public housing by applying the SNAP work requirements for ABAWDs to the HUD public housing and tenant-based rental assistance (voucher) programs.

Drug Testing for Welfare Recipients Act

United States · United States Congress · 13 January 2025

Drug Testing for Welfare Recipients Act This bill requires states participating in the Temporary Assistance for Needy Families program, the Supplemental Nutrition Assistance Program, and specified public housing programs to subject applicants to substance abuse testing or screening and to deny benefits for individuals who test positive for a controlled substance. Specifically, states administering these programs must determine whether an adult applicant for benefits has been arrested for a drug-related offense within the past five years. Applicants who have been arrested for such an offense must be tested for at least one controlled substance and must test negative to receive benefits. Applicants who have not been arrested for such an offense must be screened (via an interview, questionnaire, or other instrument) for risk of substance abuse. Applicants determined to be at high risk for substance abuse must be tested for at least one controlled substance and must test negative to receive benefits. Applicants who are determined not to be at high risk do not have to undergo testing.  Applicants who test positive for a controlled substance at any point during this process are ineligible for benefits for one year, until they complete a treatment program, or until they test negative for the substance, whichever is later.  Family members and households of individuals disqualified from receiving benefits under these provisions may generally continue to receive support. States that fail to enforce these provisions are subject to reduced federal funding for these programs the following fiscal year. 

America First Act

United States · United States Congress · 9 January 2025

America First Act This bill limits the eligibility of certain non-U.S. nationals ( aliens under federal law) for various federal benefits and grants, makes permanent the child tax credit increase, and requires individuals to provide evidence of satisfactory immigration status prior to receiving specified benefits. The bill prohibits asylees, parolees, and individuals withheld from removal from receiving certain federal benefits, including Medicaid, Temporary Assistance for Needy Families, the Supplemental Nutritional Assistance Program (SNAP), and Supplemental Security Income. The bill further restricts on the basis of immigration status benefits under federal health programs such as Medicare, emergency disaster relief, housing assistance, food assistance, early childhood assistance, student aid, and Community Development Block Grants. The bill also makes permanent the increase in the child tax credit set to expire at the end of 2025. In addition, this tax credit and the earned income tax credit are not available to asylees, parolees, individuals granted temporary protected status, individuals withheld from removal, individuals granted deferred action for childhood arrivals (DACA) status, and non-U.S. nationals with employment-based immigrant visas. Federal aid is reduced for elementary and secondary education by 50% annually to jurisdictions that do not assist federal immigration enforcement actions (deemed sanctuary jurisdictions under the bill). The bill also removes statutory exemptions for Haitian entrants that allows such entrants to receive various aid. Certain benefits are prohibited, including Medicaid and SNAP, until an applicant’s satisfactory immigration status is proved. The bill prohibits tax-exempt 501(c)(3) charitable organizations from using federal funds to support certain non-U.S. nationals.

Low Income Housing for Defense Communities Act

United States · United States Congress · 9 January 2025

To cancel certain proposed changes to loan level price adjustments by the Federal National Mortgage Association and credit fees charged by the Federal Home Loan Mortgage Corporation.

United States · United States Congress · 9 January 2025

This bill prohibits the Federal Housing Finance Agency, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac) from implementing changes to the single-family home loan pricing framework for upfront fees on certain home loans, announced in January 2023. The changes revise the fee charts that provide percentage adjustments based on a borrower's credit score and other risk factors. Overall, these changes increase the percentage adjustments, with variations based on the particular risk profile of the loan.

Natural Disaster Recovery Program Act of 2025

United States · United States Congress · 9 January 2025

Natural Disaster Recovery Program Act of 2025 This bill establishes Federal Emergency Management Agency (FEMA) funding sources for unmet needs caused by major disasters, expands FEMA’s assistance for housing and home repair, and requires certain considerations in FEMA’s recommendations on presidential emergency/disaster declarations. The bill establishes the National Disaster Recovery Reserve Fund for FEMA to provide grants to states and Indian tribal governments for unmet need. The bill defines unmet need as any necessary expense for activities related to a declared major disaster, including disaster relief or resilience activities. In addition, the bill authorizes FEMA to set aside funding from the Disaster Relief Fund to provide grants to states and Indian tribal governments for unmet needs resulting from a declared disaster, including home repair, economic recovery measures, and other services assisting disaster victims.  Also, the bill makes the following changes regarding housing assistance: authorizes FEMA’s Individuals and Households Program (IHP) to provide home repair assistance directly to homeowners when there is a lack of available housing resources,  expands IHP home repair assistance for persons with disabilities,  extends the maximum duration of IHP’s direct housing assistance from 18 to 24 months, authorizes IHP permanent housing construction where FEMA considers it a cost-effective alternative, and  authorizes minor home repairs in the essential assistance federal agencies may provide following a disaster.  Additionally, the bill requires FEMA to give greater weight to local impacts, and events over the past five years, when making recommendations to the President regarding emergency or major disaster declarations.

HUD Transparency Act of 2025

United States · United States Congress · 7 January 2025

HUD Transparency Act of 2025 This bill requires the Office of Inspector General of the Department of Housing and Urban Development (HUD) to annually testify before Congress. Specifically, the office must testify regarding efforts to detect and prevent fraud, waste, and abuse; ability to conduct and supervise audits, investigations, and reviews; actions to identify opportunities for HUD programs to progress and succeed; recommendations to improve overall efficiency and public accountability; the extent to which HUD has resources sufficient to carry out its statutory mission; and  ongoing activities regarding any such additional work.

A resolution to constitute the majority party's membership on certain committees for the One Hundred Nineteenth Congress, or until their successors are chosen.

United States · United States Congress · 7 January 2025

This resolution establishes the majority party's membership on and designates chairs of the following committees: Agriculture, Nutrition, and Forestry Appropriations Armed Services Banking, Housing, and Urban Affairs Budget Commerce, Science, and Transportation Energy and Natural Resources Environment and Public Works Finance Foreign Relations Health, Education, Labor, and Pensions Homeland Security and Governmental Affairs Indian Affairs Rules and Administration Small Business and Entrepreneurship Veterans' Affairs Joint Economic Committee Select Committee on Ethics Select Committee on Intelligence Special Committee on Aging

A resolution to constitute the minority party's membership on certain committees for the One Hundred Nineteenth Congress, or until their successors are chosen.

United States · United States Congress · 7 January 2025

This resolution establishes the minority party's membership on the following Senate committees:  Agriculture, Nutrition, and Forestry; Appropriations; Armed Services; Banking, Housing, and Urban Affairs; Budget; Commerce, Science, and Transportation; Energy and Natural Resources; Environment and Public Works; Finance; Foreign Relations; Health, Education, Labor, and Pensions; Homeland Security and Governmental Affairs; Indian Affairs; Judiciary; Rules and Administration; Small Business and Entrepreneurship; Veterans' Affairs; Joint Economic Committee; Select Committee on Ethics; Select Committee on Intelligence; and Special Committee on Aging.

Disabled Veterans Housing Support Act

United States · United States Congress · 7 January 2025

Disabled Veterans Housing Support Act This bill excludes compensation received for a military service-connected disability from a veteran's income when determining eligibility for assistance under the Community Development Block Grant (CDBG) program. The CDBG program provides grants to urban communities for development activities focused on revitalizing neighborhoods, economic development, and providing improved community facilities and services. Additionally, the Government Accountability Office must report on how service-connected disability compensation is treated when determining eligibility for all programs administered by the Department of Housing and Urban Development. This includes identifying instances where the treatment of such compensation is inconsistent with the requirement under this bill.

HOUSE Act of 2025

United States · United States Congress · 3 January 2025

Helping Owners with Unaffordable Shoddy Edicts Act of 2025 or the HOUSE Act of 2025 This bill directs the Department of Housing and Urban Development (HUD) and the Department of Agriculture (USDA) to withdraw the final determination titled Adoption of Energy Efficiency Standards for New Construction of HUD- and USDA-Financed Housing and published on April 26, 2024. The determination adopted updated minimum energy efficiency standards for newly built homes (except manufactured housing) financed through certain HUD and USDA programs. Specifically, it adopted the (1) 2021 International Energy Conservation Code (IECC), which applies to single family homes and multifamily low-rise buildings up to three stories; and (2) 2019 American National Standards Institute/American Society of Heating, Refrigerating, and Air-Conditioning Engineers/Illuminating Electrical Society (ANSI/ASHRAE/IES) Standard 90.1, which applies to multifamily residential buildings with four or more stories. HUD and USDA must also revert to using the energy efficiency standards required before the determination. In addition, the bill prohibits HUD, USDA, and the Department of Veterans Affairs from taking actions or using federal funds to implement or enforce the determination or any substantially similar determination. It also prohibits the Federal Housing Finance Agency from finalizing, implementing, or enforcing a determination or rule relating to energy efficiency standards for single and multifamily housing. Finally, the bill prohibits HUD and USDA from adopting updates to the IECC or ANSI/ASHRAE/IES Standard 90.1 in certain circumstances unless at least 26 states have adopted codes or standards that meet or exceed the update's requirements.

Responsible Borrower Protection Act of 2025

United States · United States Congress · 3 January 2025

Responsible Borrower Protection Act of 2025 This bill prohibits the Federal Housing Finance Agency, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac) from implementing changes to the single-family home loan pricing framework for upfront fees on certain home loans, announced in January 2023. The changes revise the fee charts that provide percentage adjustments based on a borrower's credit score and other risk factors. Overall, these changes increase the percentage adjustments, with variations based on the particular risk profile of the loan.

Landlord Accountability Act of 2025

United States · United States Congress · 3 January 2025

Landlord Accountability Act of 2025 This bill prohibits housing discrimination based on income, provides protections to tenants of certain federally assisted housing, and establishes a low-income housing maintenance tax credit for eligible landlords. Specifically, the bill prohibits discrimination in rental housing and residential real estate transactions based on an individual's source of income and provides for penalties. Protected income sources include housing vouchers and rental assistance, rental and homeownership subsidies, Social Security and disability income assistance, and spousal and child support. Additionally, landlords are prohibited from taking or failing to take certain actions with the intent to make a unit ineligible to receive Department of Housing and Urban Development (HUD) assistance. Landlords that violate this prohibition are subject to penalties and may be sued by harmed tenants. The bill further prohibits property owners of certain multifamily housing projects from intentionally leaving a unit vacant for more than 60 days. Property owners that violate this prohibition are subject to penalties. The bill also provides protections to tenants of multifamily housing projects, which includes requiring HUD to increase the staffing level for the Multifamily Housing Complaint Line and create a Multifamily Housing Complaint Resolution Program. In addition, HUD may provide grants to develop, expand, and assist tenant harassment prevention programs. Finally, the bill establishes a tax credit for qualifying landlords that is equal to the landlord's annual low-income housing maintenance expenses. To qualify, a landlord must have addressed within 30 days any relevant complaints filed under the complaint resolution program.

Post-Disaster Assistance Online Accountability Act

United States · United States Congress · 3 January 2025

Post-Disaster Assistance Online Accountability Act This bill establishes a centralized location to publish information on disaster assistance provided by federal agencies. The Small Business Administration, the Department of Housing and Urban Development, and any agencies providing disaster assistance must make available to the public on a quarterly basis information regarding (1) the total amount of assistance provided by the agency; (2) the amount provided that was expended or obligated; and (3) all projects or activities for which assistance was expended, obligated, or used.

TCJA Permanency Act

United States · United States Congress · 3 January 2025

TCJA Permanency Act This bill makes permanent multiple federal tax provisions enacted in 2017 by the Tax Cuts and Jobs Act. The bill makes permanent the  individual tax rates of 10%, 12%, 22%, 24%, 32%, 35%, and 37%; increased standard deduction; personal exemption allowance repeal; exclusion from income of student loans discharged due to death or disability; qualified business income tax deduction (199A tax deduction); allowance of ABLE account contributions in excess of the annual gift tax exclusion amount; base estate and gift tax exclusion amount of $10 million (adjusted annually); and alternative minimum tax exemption and phaseout amounts for noncorporate taxpayers. The bill makes permanent the child tax credit amounts of $2,000 per child and $500 for dependents, the $200,000 phaseout threshold ($400,000 for joint filers), and the refundable portion of the tax credit.  The bill expands the expenses eligible for tax-free withdrawals from qualified tuition plans (529 plans) to include additional expenses associated with homeschool and elementary and secondary schools (e.g., instructional materials, tutoring, test and enrollment fees, and educational therapies).  The bill permanently eliminates certain miscellaneous itemized deductions and makes permanent the  state and local tax deduction limit of $10,000 ($5,000 for married individuals filing separately), mortgage interest tax deduction limit of $750,000 ($375,000 for married individuals filing separately), limit on the deduction of cash charitable contributions to 60% of a taxpayer’s adjusted gross income, and certain limits on casualty loss tax deductions.  The bill also permanently eliminates the exclusion from income for employer-reimbursed bicycle commuting expenses.

No Free Rent for Freeloaders Act of 2025

United States · United States Congress · 3 January 2025

No Free Rent for Freeloaders Act of 2025 This bill directs the Department of Housing and Urban Development (HUD), on an annual basis, to monitor the extent of noncompliance of public-housing tenants with certain community service and economic self-sufficiency requirements, determine the aggregate amount provided in federal subsidies for all public-housing dwelling units that were occupied by noncompliant tenants, and publish this amount in the Federal Register. In each fiscal year, the amount as determined and published for the preceding fiscal year must be rescinded from funds made available for HUD's Management and Administration account.

KAMALA Act

United States · United States Congress · 3 January 2025

Keeping Aid for Municipalities And Localities Accountable Act or the KAMALA Act This bill prohibits the use of Community Development Block Grant (CDBG) funding to assist non-U.S. nationals ( aliens under federal law) who are not lawfully admitted permanent residents. The CDBG program is administered by the Department of Housing and Urban Development (HUD) and provides states, local governments, and Indian tribes with funds for economic and community development. The bill also specifically prohibits HUD from making a CDBG grant to any state, local government, or Indian tribe that carries out a housing or community development program that assists such individuals. 

Housing Fairness Act of 2025

United States · United States Congress · 3 January 2025

Veterans, Women, Families with Children, Race, and Persons with Disabilities Housing Fairness Act of 2025 or the Housing Fairness Act of 2025 This bill expands efforts to detect and address housing discrimination. Specifically, the Department of Housing and Urban Development (HUD) must conduct a nationwide testing program to (1) detect and document differences in the treatment of prospective renters, homebuyers, or mortgage borrowers; (2) measure patterns of adverse treatment because of the race, color, religion, sex, familial status, disability status, or national origin of a renter, homebuyer, or borrower; and (3) measure the prevalence of such discriminatory practices across housing and mortgage lending markets. The bill also reauthorizes through FY2028 the Fair Housing Initiatives Program, which supports organizations that provide direct assistance to individuals who have been victims of housing discrimination. Additionally, HUD must implement a grant program to assist public and private nonprofit organizations in (1) conducting comprehensive studies on the causes or effects of housing discrimination and segregation, and (2) implementing pilot projects that test solutions to help prevent or alleviate housing discrimination and segregation.