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119-s-2489119th CongressWALLET

Modular Housing Production Act

Sponsored By: Senator Warren, Elizabeth [D-MA]

Introduced

Summary

Expand modular housing in FHA construction financing. This bill would require HUD to review FHA construction financing to find and reduce barriers to modular and manufactured home methods, pursue rulemaking on alternative draw schedules, and fund a study on standardizing modular components.

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  • Households and buyers: Could see more financing options for factory-built homes if HUD adopts the recommended changes, potentially increasing access to lower-cost housing options.
  • Modular home developers and manufacturers: Would get a targeted review of FHA construction programs to identify obstacles such as construction draw schedules. HUD must publish a report within 1 year and begin rulemaking within 120 days after that report.
  • Lenders and FHA program managers: Would face proposed administrative and program changes authorized under the National Housing Act to make FHA construction loans easier to use for modular projects.
  • Industry and innovation: A grant-funded study would evaluate a standardized commercial code and module serialization to streamline design, construction, and financing coordination.

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 2 benefits, 0 costs, 0 mixed.

Review and rules for modular home loans

If enacted, the Department of Housing and Urban Development (HUD) would review FHA construction financing programs to find rules that make it hard to use modular home methods. HUD would have to publish a report within 1 year after enactment. Within 120 days after that report, HUD would start rulemaking to consider an alternative construction loan draw schedule for modular and manufactured home builders. The public could give robust comment, and HUD must either issue a final rule or explain why it will not.

Standard code study for modular homes

If enacted, HUD would be allowed to award a grant to study a standardized commercial code for modular home parts and modules. The study would look at serializing and securing modules, streamlining design and construction, and how a code could link to financing incentives. The bill would authorize whatever money is needed to run the study.

Sponsors & CoSponsors

Sponsor

Warren, Elizabeth [D-MA]

MA • D

Cosponsors

  • Sen. Banks, Jim [R-IN]

    IN • R

    Sponsored 7/28/2025

Roll Call Votes

No roll call votes available for this bill.

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