GSIB Act of 2026

HR6644 — Housing for the 21st Century Act

*A federal push to increase housing supply by modernizing zoning and reforming housing programs.* The bill pairs model zoning guidelines and local planning pilots with HOME program changes and multiple HUD pilots to speed production and improve tenant supports. - Families and renters: HOME program rules harmonize income limits to 100% of area median income and raise homeownership eligibility to 110% AMI, expanding who can get help for rental and homebuying. Tenants in federally assisted housing gain new supports such as an eviction helpline and pilots for escrow accounts and internet-connected temperature sensors to track habitability. - Local governments and planners: HUD must publish model zoning guidelines within 3 years and recipients must report on land-use policy adoption. The bill funds pattern-book grants and planning/implementation pilots so jurisdictions can adopt pre-approved designs and streamline permitting. - Builders and manufactured housing sector: The law lets manufactured homes be built without a permanent chassis and requires new federal standards plus state certification within 1 year to ensure parity in financing, titling, and installation.

HR2038 — American Housing and Economic Mobility Act of 2025

A multi-title bill that centers on expanding affordable housing through major federal funding while strengthening tenant protections and tightening mortgage and bank rules. It boosts construction and preservation programs and forces stronger loss-mitigation and resale rules in the mortgage market. - Families and first-time homebuyers get direct help through a new Down Payment Assistance Fund offering grants up to 3.5% of value and targeted appraisal-gap and negative-equity grants with $5.0 billion authorized for FY2025. These programs target buyers up to 120% of area median income and higher in some high-cost areas. - Renters and tenants gain more legal protections and eviction safeguards as Local Housing Innovation Grants fund access to counsel, just-cause eviction rules, eviction-mitigation measures, and other tenant protections. Local grants are funded at $2.0 billion per year for FY2025–FY2029. - Borrowers facing non-performing or REO sales face stronger loss-mitigation and notice rules. At least 75% of FHA single-family REO sales and 90% of foreclosed properties are directed to owner-occupants or community partners or preserved as affordable for 15 years. - Lenders, servicers, and secondary-market enterprises face new certification, reporting, and liability rules. False certifications can trigger recovery, private suits, and transfer revocations. Enterprises must publish loss-mitigation formulas and FHFA will regulate bulk and non-performing loan sales. - Banks and nonbank mortgage originators face a reworked Community Reinvestment Act with broader evaluation, new data-collection and public reporting requirements, climate-related adjustments, and possible penalties for sustained poor ratings. The bill authorizes large new federal spending including HTF $48.0 billion per year (FY2025–FY2034), CMF $3.0 billion per year (FY2025–FY2034), a $70.0 billion Public Housing Capital Fund for FY2025, MCHEF $4.0 billion for FY2025, Local Housing Innovation Grants $2.0 billion per year (FY2025–FY2029), and other specified appropriations, thereby increasing federal outlays.

HR3971 — Domestic Workers Bill of Rights Act

Extending workplace rights to domestic workers. The bill would set enforceable labor standards for household workers, add overtime and live‑in protections, require written agreements, create a Domestic Employee Standards Board, and push Medicaid rules to cover home care workers.

HR3069 — Medicare for All Act

This bill would create a national health insurance program called "Medicare for All" to provide universal, comprehensive health coverage for every U.S. resident. It sets the benefit package, bans cost‑sharing for covered care, negotiates drug and device prices, and phases existing federal coverage into the new system during a multi‑year transition. - Families and children: Covers maternity care, pediatric services, mental health, prescription drugs, dental, vision, and more with no out‑of‑pocket costs for covered items. Children under 19 become eligible one year after enactment. - Older adults and people with disabilities: Establishes an entitlement to medically necessary long‑term services and supports in home and community settings, prioritizes independence and supports activities of daily living, and removes the 24‑month Medicare waiting period for people with disabilities. - Providers and the health system: Creates regional offices, pays institutional providers with negotiated quarterly global budgets and individual clinicians via a national fee schedule, restricts private contracting for covered services for two years, and gives the Secretary authority to negotiate prices and, if needed, license manufacture of drugs.

HR1354 — Justice for All Act of 2025

This bill would expand private enforcement of civil rights by creating a unified disparate-impact standard across federal anti‑discrimination laws. It also strengthens remedies, bans predispute arbitration for many disputes, and tightens employer and government‑actor liability so victims can sue more effectively. - Families and renters: Adds “sex” and a broad "source of income" definition to the Fair Housing Act, requires relief for failures to permit reasonable accommodations and accessible design, and protects against intimidation in housing cases. - Workers and employees: Bans predispute arbitration agreements and joint‑action waivers for employment disputes and imposes strict vicarious employer liability by removing common employer defenses. - People with disabilities and program users: Expands relief under the Rehabilitation Act and the Americans with Disabilities Act for reasonable accommodations, modifications, accessible design, and allows attorney and expert fees in settlements. - People stopped by police: Prohibits profiling by law enforcement, lets individuals sue agencies or officers in state or federal court, and allows prevailing plaintiffs to recover attorney and expert fees. - Plaintiffs and civil‑rights lawyers: Codifies private intentional‑discrimination and disparate‑impact claims across statutes, and authorizes compensatory and punitive damages plus attorney’s fees for prevailing or aggrieved parties while barring punitive damages only against government entities.

HRES1058 — Recognizing that it is the duty of the Federal Government to develop and implement a Transgender Bill of Rights to protect and codify the rights of transgender and nonbinary people under the law and ensure their access to medical care, shelter, safety, and economic security.

A federal "Transgender Bill of Rights" to codify and protect the rights of transgender and nonbinary people. It aims to lock in access to medical care, legal identity, housing, employment, and safety across federal laws and programs. - Families and youth gain protections for gender-affirming care and against harmful practices. The resolution would prohibit health-care discrimination, remove unnecessary government limits on care, protect supportive parents, ban conversion practices, and push for more trained providers and telehealth access. - Workers, renters, and borrowers would see clearer federal civil-rights coverage. It calls for amending Title VII, the Fair Housing Act, and the Equal Credit Opportunity Act to bar discrimination based on gender identity and sex characteristics. - Legal identity, military service, and safety measures would be eased. The resolution directs simpler federal document changes including self-attestation and an "X" marker, requires TRICARE and the Department of Veterans Affairs to cover gender-affirming care, improves detention and asylum protections, and creates a Justice Department liaison plus funding for enforcement. It also asks federal surveys to collect voluntary gender identity data and centers transgender-led policy input. The resolution directs agencies to rewrite rules and expand enforcement to protect transgender and nonbinary people across health, civil rights, and public safety.