Bills · S 2489
IN COMMITTEE· 119TH CONGRESS
Senate BillS 2489Finance and Financial Sector
Modular Housing Production Act
INTRO JUL 28· LAST ACTION JUL 28
READING
3MIN
COSPONSORS
1
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed Senate
Passed House
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it targets a common issue in housing: affordability and supply. Factory-built homes, like modular and manufactured houses, can often be built more quickly and at a lower cost than traditional stick-built homes. However, current financing rules, particularly those from the FHA, sometimes create hurdles for developers who want to use these efficient construction methods.
If this bill becomes law and leads to changes in FHA financing, it could significantly boost the production of modular and manufactured homes. This could help address the shortage of affordable housing across the country, making it easier for more people to buy a home. Without this bill, these financing barriers might continue, potentially slowing down the adoption of more efficient construction techniques and keeping housing costs higher for many Americans.
KEY PROVISIONS
4AI-extractedPROVISION 01
Requires the Secretary of HUD to review FHA construction financing programs.
This initiates the process of identifying specific problems that hinder the use of modular home construction in federally-backed loans.
PROVISION 02
Mandates a report within one year describing the review's findings and recommending policy changes.
This ensures that the identified barriers and potential solutions are formally documented and made public, guiding future policy decisions.
PROVISION 03
Directs HUD to initiate rulemaking within 120 days of the report to examine alternative payment schedules for modular and manufactured home construction loans.
This could lead to practical changes in how builders receive payments, potentially making modular construction more financially viable.
PROVISION 04
Authorizes a grant to study the design and feasibility of a standardized uniform commercial code for modular homes.
This could streamline manufacturing, financing, and legal processes for modular homes, promoting innovation and efficiency in the industry.
SPONSORSHIP
1 + 1
D· Massachusetts
YRS IN OFFICE
13
BILLS LED
85
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 0 REP 1 IND 0
ACTION TIMELINE
2 EVENTSJUL 28
Introduced in Senate
JUL 28
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
BILL INFO
TypeSenate Bill
NumberS 2489
Congress119th
StatusIn Committee
IntroducedJul 28, 2025
Last actionJul 28, 2025
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IN COMMITTEE· 119TH CONGRESS · BANKING, HOUSING, AND URBAN AFFAIRS COMMITTEE · INTRODUCED JUL 28, 2025
Senate BillS 2489Finance and Financial Sector
Modular Housing Production Act
INTRODUCED JUL 28, 2025· LAST ACTION JUL 28, 2025
PASSAGE CHANCES
—%
READING
3 min
COSPONSORS
1
COMPLEXITY
Moderate
