# 119-hr-6228: Unlocking Affordable Housing Act

119-hr-6228, Unlocking Affordable Housing Act, is a 119th Congress bill sponsored by Rep. Scholten, Hillary J. [D-MI-3] (D-MI); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6228
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6228
- Congress: 119
- Title: Unlocking Affordable Housing Act
- Status: introduced
- Introduced: 2025-11-20
- Sponsor: Rep. Scholten, Hillary J. [D-MI-3] (D-MI)
- Cosponsors: 7
- Policy area: Transportation and Public Works
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Aligning federal transportation credit rules with HUD housing standards.** This bill would direct the Secretary of Transportation, in consultation with the Department of Housing and Urban Development, to set creditworthiness standards for residential and mixed-use projects seeking TIFIA and RRIF financing. It would build a housing-aware framework that lets housing components be evaluated differently from pure transportation projects. The Impact: - Developers and homebuilders: Residential and mixed-use developers would face HUD-aligned credit tests to qualify for TIFIA and RRIF loans, and may not always need the usual two investment-grade ratings. - State and local project sponsors: Sponsors would see eligibility and financing decisions reference the new standards, while lines of credit would generally still require two investment-grade ratings except for projects with residential development. - HUD and housing policy: HUD would formally consult on and help align TIFIA and RRIF credit rules with existing HUD program requirements. - Investors and lenders: Rating-letter rules and when investment-grade thresholds apply would change for projects that include residential components.

## Cosponsors (7)

- Rep. Bresnahan, Robert P. [R-PA-8] (R-PA), 2025-11-20T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-11-20T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2025-12-04T00:00:00.000Z
- Rep. Horsford, Steven [D-NV-4] (D-NV), 2025-12-11T00:00:00.000Z
- Rep. Garcia, Robert [D-CA-42] (D-CA), 2025-12-16T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-02-02T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2026-03-04T00:00:00.000Z

## Provisions PRIA read

- Transportation loan deadline removed and clarified: benefit, low. If enacted, it would remove a September 30, 2026 deadline in a TIFIA eligibility clause. It would also clarify which TIFIA rules apply to each project. Both changes would take effect 180 days after enactment.
- New credit rules for housing projects: mixed, medium. If enacted, most TIFIA lines of credit would need investment-grade ratings from two agencies. For projects with housing, DOT could accept other proof of credit strength after consulting HUD. RRIF projects with housing would use the same HUD-aligned approach. DOT and HUD would need to issue rules wi…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6900: American Affordability Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-1065: Protect Our Letter Carriers Act of 2025

## Sources
- [119-hr-6228 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6228)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-6900: American Affordability Act of 2025](https://policyrisk.com/legislation/119-hr-6900)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-1065: Protect Our Letter Carriers Act of 2025](https://policyrisk.com/legislation/119-hr-1065)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6228 (as of 2026-04-21).