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S 2489
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Modular Housing Production Act

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

Introduced Jul 28, 2025

Latest action (Jul 28, 2025) Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Referred to
Banking, Housing, and Urban Affairs Committee
Policy area
Finance and Financial Sector
Issues
Economy & TaxesHousing

Summary

This bill requires the Secretary of Housing and Urban Development to review Federal Housing Administration construction financing programs to identify barriers to modular home development. Within one year, HUD must publish a report describing regulatory, programmatic, and administrative barriers and recommending policy changes to reduce them. Within 120 days of the report, HUD must initiate a rulemaking process to establish alternative draw schedules for modular and manufactured home developers. The bill also authorizes grants to study a standardized coding system for modular homes.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)
1 cosponsor

Actions (2)
  1. Jul 28, 2025 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
  2. Jul 28, 2025 Introduced in Senate

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • S 1299 — Housing Supply Frameworks Act · Introduced Apr 3, 2025 · Cong. 119 71%
  • S 934 — American Housing and Economic Mobility Act of 2025 · Introduced Mar 11, 2025 · Cong. 119 70%
  • S 2416 — Identifying Regulatory Barriers to Housing Supply Act · Introduced Jul 23, 2025 · Cong. 119 70%
  • HR 6270 — Modular Housing Production Act · Introduced Nov 21, 2025 · Cong. 119 69%
  • S 2390 — Unlocking Housing Supply Through Streamlined and Modernized Reviews Act · Introduced Jul 23, 2025 · Cong. 119 69%
  • HR 4266 — Housing for US Act · Introduced Jun 30, 2025 · Cong. 119 68%

Full text

IN THE SENATE OF THE UNITED STATES

July 28, 2025

Ms. Warren (for herself and Mr. Banks) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs

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). <all>

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