House Likely to Negotiate on Housing Bill

March 24, 2026

As we have been covering, the House of Representatives has yet to act on the Senate-passed 21st Century ROAD to Housing Act (H.R. 6644) that contains significant limitations on single-family rental (SFR) and build-to-rent (BTR). 

Why it matters: The legislation passed the Senate 89-9 and is supported by the White House, but would limit institutional investment in housing and require new BTR properties to be sold to consumers within seven years. 

What they’re saying: On Monday, Rep. Maxine Waters (D-CA), the lead Democrat on the House Financial Services Committee, officially called for a conference committee to negotiate changes to the Senate bill.

…we need to address stakeholder concerns that have been raised since passage in the Senate, especially about whether the bill now curtails the construction of new homes and creates other unintended consequences. Given these changes, we must reconcile the House and Senate versions to produce the strongest possible housing legislation for our communities at home.

Waters’ statement echoes committee Chairman French Hill’s (R-AR) call for negotiations, as well as Speaker Mike Johnson and Majority Leader Steve Scalise. 

  • In addition to the concerns impacting supply, House members also have concerns with other aspects of the Senate legislation, including a temporary ban on central bank digital currency. 
  • Waters’ letter also lists Democratic priorities in the House-passed version that were not in the final Senate bill.

The big picture: CREFC and other real estate industry groups have been raising alarms with section 901 of the bill, which would impose significant federal limitations on institutional investment in offering single-family homes for rent. 

  • Click here for additional background on the SFR/BTR issue. 
  • Beyond the SFR issues, a drafting error in section 213 related to HUD’s Federal Housing Administration (FHA) income thresholds on multifamily housing construction would have the effect of lowering eligible income levels rather than raising levels as intended by the original legislation. 
  • Senate Banking Committee Chairman Tim Scott (R-SC) and Ranking Member Elizabeth Warren (D-MA) remain opposed to any changes. Majority Leader John Thune (R-SD) acknowledged that the chambers may need to negotiate or go to a conference committee to enact the bill.

The bottom line: Bipartisan alignment with the House Financial Services Committee leadership is a positive development in the effort to amend H.R. 6644 to limit its potential negative impacts on creating more housing. 

  • As Congress will be out through mid-April, negotiations on the bill will likely extend the time horizon on passing housing legislation. 
  • Momentum on the effort may diminish as lawmakers draw closer to the midterm elections and confront other priorities such as government funding. 

Contact David McCarthy (dmccarthy@crefc.org) with questions.

Contact  

David McCarthy
Managing Director,
Chief Lobbyist, Head of Legislative Affairs
202.448.0855
dmccarthy@crefc.org
The information provided herein is general in nature and for educational purposes only. CRE Finance Council makes no representations as to the accuracy, completeness, timeliness, validity, usefulness, or suitability of the information provided. The information should not be relied upon or interpreted as legal, financial, tax, accounting, investment, commercial or other advice, and CRE Finance Council disclaims all liability for any such reliance. © 2026 CRE Finance Council. All rights reserved.

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