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S 4182
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FARM Home Loans Act of 2026

To amend the Farm Credit Act of 1971 to modify rural housing financing under that Act.

Introduced Mar 24, 2026

Latest action (Mar 24, 2026) Read twice and referred to the Committee on Agriculture, Nutrition, and Forestry.

Referred to
Agriculture, Nutrition, and Forestry Committee
Policy area
Agriculture and Food
Issues
Housing

Summary
  • Amends the Farm Credit Act of 1971 to allow accessory dwelling units to be financed as part of rural home loans.
  • Increases a threshold in rural housing financing from 2,500 to 10,000.

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)
4 cosponsors

Actions (2)
  1. Mar 24, 2026 Read twice and referred to the Committee on Agriculture, Nutrition, and Forestry. · senate
  2. Mar 24, 2026 Introduced in Senate

Text versions (1)
  • Introduced in Senate · Mar 24, 2026

Only one text version is on file, so there’s no earlier version to compare against yet.

Full text

IN THE SENATE OF THE UNITED STATES

March 24, 2026

Mr. Welch (for himself, Mr. Justice, Mr. Schiff, and Mrs. Hyde-Smith) introduced the following bill; which was read twice and referred to the Committee on Agriculture, Nutrition, and Forestry

A BILL

To amend the Farm Credit Act of 1971 to modify rural housing financing under that Act.

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 “Fostering the Availability in Rural Markets of Home Loans Act of 2026” or the “FARM Home Loans Act of 2026”.

SEC. 2. RURAL HOUSING FINANCING.

Section 1.11(b) of the Farm Credit Act of 1971 (12 U.S.C. 2019(b)) is amended—

(1) in paragraph (2), by striking “appurtenances” and inserting “appurtenances, including accessory dwelling units,”; and

(2) in paragraph (3), by striking “2,500” and inserting “10,000”. <all>

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