Short title; table of contents

(a) Short title This Act may be cited as the Housing for the 21st Century ROAD to Housing Act. (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. Title I—Building Smarter for the 21st Century TITLE I—Improving Financial Literacy Sec. 101. Housing Supply Frameworks. Reforms to housing counseling and financial literacy programs. TITLE II—Building More in America Sec. 102. Accelerating home building grant 201. Rental assistance demonstration program. Sec. 103. Federal guidelines for point-access block buildings. 202. Increasing housing in opportunity zones. Sec. 104. 203. Whole-Home Repairs Act. Sec. 204. Community Investment and Prosperity Act. Sec. 205. Build Now Act. Sec. 206. Addition of affordable housing construction as an eligible activity. Sec. 207. Better Use of Intergovernmental and Local Development (BUILD) Housing Act. Sec. 208. Unlocking Housing Supply Through Streamlined and Modernized Reviews. Reviews Act. Sec. 105. Federal Housing Agency Application of Environmental Reviews. Sec. 106. Multifamily loan limits. Sec. 107. GAO study on workforce housing. Title II—Modernizing Local Development and Rural Housing Programs Sec. 201. HOME Reform. Sec. 202. Community Development Fund Amendments. Sec. 203. 209. Grants for planning and implementation associated with affordable housing. Sec. 204. Rural housing service program improvements. 210. Innovation Fund. Sec. 205. 211. Accelerating Home Building Act. Sec. 212. Revitalizing Empty Structures Into Desirable Environments (RESIDE) Act. Sec. 213. Housing Affordability Act. TITLE III—Manufactured Housing for America Sec. 301. Housing Supply Expansion Act. Sec. 302. Modular Housing Production Act. Sec. 303. Property Improvement and Manufactured Housing Loan Modernization Act. Sec. 304. Price Act. TITLE IV—Accessing the American Dream Sec. 401. Creating incentives for small dollar loan originators. Sec. 402. Small dollar mortgage points and fees. Sec. 403. Appraisal Industry Improvement Act. Sec. 404. Helping More Families Save Act. Sec. 405. Choice in Affordable Housing. Title III—Expanding Manufactured and Affordable Housing Finance Opportunities Sec. 301. Manufactured Housing Innovations. Sec. 302. FHA small-dollar mortgages. Sec. 303. Community investment and prosperity. Title IV—Protecting Borrowers and Assisted Families Sec. 401. Exclusion of certain disability benefits. Sec. 402. Military service question. Sec. 403. HUD–USDA–VA Interagency Coordination. Sec. 404. Family self-sufficiency escrow expansion pilot program. Sec. 405. Reforms to housing counseling and financial literacy programs. Sec. 406. Establishment of eviction helpline. Sec. 407. Temperature Sensor pilot program. Sec. 408. GAO studies. Title V—Enhancing Oversight of Housing Providers Act. TITLE V—Program Reform Sec. 501. Requirement to testify. Reforming Disaster Recovery Act. Sec. 502. Improving public housing agency accountability. Title VI—Strengthening Community Banks’ Role in HOME Investment Partnerships Reauthorization and Reform Act. Sec. 503. Rural Housing Service Reform Act. Sec. 504. New Moving to Work cohort. Sec. 505. Incentivizing local solutions to homelessness. TITLE VI—Veterans and Housing Sec. 601. Community Bank Deposit Access. VA Home Loan Awareness Act. Sec. 602. Keeping Deposits Local. Veterans Affairs Loan Informed Disclosure (VALID) Act. Sec. 603. Supervisory Modifications Housing Unhoused Disabled Veterans Act. TITLE VII—Oversight and Accountability Sec. 701. Requiring annual testimony and oversight from housing regulators. Sec. 702. FHA reporting requirements on safety and soundness. Sec. 703. United States Interagency Council on Homelessness oversight. Sec. 704. Appraisal Modernization Act. TITLE VIII—Coordination, Studies, and Reporting Sec. 801. HUD-USDA-VA Interagency Coordination Act. Sec. 802. Streamlining Rural Housing Act. Sec. 803. Improving self-sufficiency of families in HUD-subsidized housing. Sec. 804. GAO studies. TITLE IX—Homeownership for Appropriate Risk-based Testing. Main Street America Sec. 604. Tailored Regulatory Updates 901. Homes are for Supervisory Testing. people, not corporations. TITLE X—Central bank digital currency Sec. 605. Credit Union Board Modernization. 1001. Central bank digital currency. TITLE XI—Miscellaneous Sec. 606. Systemic Risk Authority Transparency. 1101. Severability. Sec. 607. Least cost exception. Sec. 608. Failing Bank Acquisition Fairness. Sec. 609. Advancing the Mentor-Protégé Program for Small Financial Institutions. Sec. 610. American Access to Banking. Sec. 611. Promoting New Bank Formation. Sec. 612. Rural Depositories Revitalization Study. Sec. 613. Discretionary Surplus Fund.1102. No additional funds authorized.