---
title: "ROAD to Housing Act"
identifier: "118-S-5027"
congress: 118
bill_number: 5027
bill_type: "S"
version_code: "is"
version_type: "Introduced in Senate"
bill_url: "https://chamberzero.com/congresses/118/bills/s/5027"
source: "https://www.congress.gov/bill/118th-congress/senate-bill/5027"
site: "Chamber Zero"
site_url: "https://chamberzero.com"
rendered_at: "2026-06-04T01:44:16.066Z"
---
## SEC. 1 Short title; table of contents.

[Read Section 1 →](/congresses/118/bills/s/5027/sections/1-section-one.md)

# TITLE I — Improving financial literacy

## SEC. 101 Reforms to housing counseling and financial literacy programs.

[Read Section 101 →](/congresses/118/bills/s/5027/sections/TI-101.md)

# TITLE II — Increasing access to housing

## SEC. 201 Rental assistance demonstration program.

[Read Section 201 →](/congresses/118/bills/s/5027/sections/TII-201.md)

## SEC. 202 Creating incentives for small dollar loan originators.

[Read Section 202 →](/congresses/118/bills/s/5027/sections/TII-202.md)

## SEC. 203 Small dollar mortgage points and fees.

[Read Section 203 →](/congresses/118/bills/s/5027/sections/TII-203.md)

# TITLE III — Regulatory flexibility

## SEC. 301 Authorization of Moving to Work Program.

[Read Section 301 →](/congresses/118/bills/s/5027/sections/TIII-301.md)

## SEC. 302 Improving self-sufficiency of families in HUD-subsidized housing.

[Read Section 302 →](/congresses/118/bills/s/5027/sections/TIII-302.md)

## SEC. 303 Updating the definition of manufactured home.

[Read Section 303 →](/congresses/118/bills/s/5027/sections/TIII-303.md)

# TITLE IV — Serving the most vulnerable

## SEC. 401 Incentivizing local solutions to homelessness.

[Read Section 401 →](/congresses/118/bills/s/5027/sections/TIV-401.md)

# TITLE V — Promoting opportunity

## SEC. 501 Increasing housing in opportunity zones.

[Read Section 501 →](/congresses/118/bills/s/5027/sections/TV-501.md)

# TITLE VI — Good governance

## SEC. 601 Requiring annual testimony and oversight from housing regulators.

[Read Section 601 →](/congresses/118/bills/s/5027/sections/TVI-601.md)

## SEC. 602 FHA reporting requirements on safety and soundness.

[Read Section 602 →](/congresses/118/bills/s/5027/sections/TVI-602.md)

## SEC. 603 United States Interagency Council on Homelessness.

[Read Section 603 →](/congresses/118/bills/s/5027/sections/TVI-603.md)

## SEC. 604 Neighborhood Reinvestment Corporation oversight.

[Read Section 604 →](/congresses/118/bills/s/5027/sections/TVI-604.md)