# 119-s-2489: Modular Housing Production Act

119-s-2489, Modular Housing Production Act, is a 119th Congress bill sponsored by Sen. Warren, Elizabeth [D-MA] (D-MA); status introduced; PRIA reads it as touching household money (as of 2026-10-22).

- Canonical: https://policyrisk.com/legislation/119-s-2489
- As of: 2026-10-22
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2489
- Congress: 119
- Title: Modular Housing Production Act
- Status: introduced
- Introduced: 2025-07-28
- Sponsor: Sen. Warren, Elizabeth [D-MA] (D-MA)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-22

## 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. - 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.

## Cosponsors (1)

- Sen. Banks, Jim [R-IN] (R-IN), 2025-07-28T00:00:00.000Z

## Provisions PRIA read

- Review and rules for modular home loans: benefit, low. 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 rulema…
- Standard code study for modular homes: benefit, low. 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 w…

## Related bills

- 119-s-5071: Children's Safe Welcome Act of 2026
- 119-s-5022: Cannabis Administration and Opportunity Act
- 119-s-2819: Head Start for America's Children Act
- 119-s-1748: Kids Online Safety Act
- 119-s-1541: SHIPS for America Act of 2025
- 119-s-3990: PrEP Access and Coverage Act of 2026

## Sources
- [119-s-2489 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2489)

## Related
- [119-s-5071: Children's Safe Welcome Act of 2026](https://policyrisk.com/legislation/119-s-5071)
- [119-s-5022: Cannabis Administration and Opportunity Act](https://policyrisk.com/legislation/119-s-5022)
- [119-s-2819: Head Start for America's Children Act](https://policyrisk.com/legislation/119-s-2819)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-1541: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-s-1541)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2489 (as of 2026-10-22).