Overview of the 21st Century ROAD to Housing Act (2026)


The 21st Century ROAD to Housing Act (H.R. 6644) became law on July 11, 2026, after passing Congress on June 23. It is one of the largest federal housing‑supply packages in decades and includes more than 40 sections across 12 titles

The major new U.S. housing law in 2026 is the 21st Century ROAD to Housing Act, enacted July 11, 2026, which expands housing supply, limits large institutional home purchases, streamlines voucher inspections, and promotes affordable construction.

Overview of the 21st Century ROAD to Housing Act (2026)

The 21st Century ROAD to Housing Act (H.R. 6644) became law on July 11, 2026, after passing Congress on June 23. It is one of the largest federal housing‑supply packages in decades and includes more than 40 sections across 12 titles.

Key Federal Provisions

  • Increasing Housing Supply:
    Reduces regulatory barriers, encourages zoning reform, and incentivizes local governments to allow more housing construction. 
  • Institutional Investor Restrictions:
    Limits purchases of new single‑family homes by large institutional investors owning 350+ homes, with exceptions for build‑to‑rent. 
  • Voucher Inspection Streamlining:
    Allows units already inspected under LIHTC, HOME, or USDA programs to satisfy Housing Choice Voucher inspections, reducing delays. 
  • Whole‑Home Repair Pilot:
    Grants and forgivable loans for repairs and modifications for homeowners and landlords. 
  • Small‑Dollar Mortgage Expansion:
    FHA pilot for mortgages ≤100,000 USD and CFPB review of lending rules to improve access in lower‑cost markets. 
  • Manufactured & Modular Housing Reforms:
    Removes permanent chassis requirement, updates financing limits, and expands modular housing financing. 
  • CDBG Flexibility:
    Allows CDBG funds to support new affordable housing construction and ties some funding to local production performance. 

House Amendment Differences (May 2026)

The House amendment to the Act introduced several changes:

  • Removed six sections (e.g., lifting RAD cap, permanent CDBG‑DR authorization).
  • Restored 18 sections from the Housing for the 21st Century Act, including new PHA oversight rules.
  • Modified institutional investor restrictions by removing the seven‑year forced divestiture requirement.
  • Added a requirement for CDBG grantees to publish databases of undeveloped public land.

Related Legislation: Housing for the 21st Century Act (2026)

Passed by the House in February 2026, this act overlaps heavily with the ROAD Act and includes:

  • Land‑use policy guidelines and best practices.
  • Streamlined environmental review processes.
  • Adjusted FHA multifamily loan limits.
  • GAO study on workforce housing.

State‑Level Housing Reforms in 2026

States also advanced significant housing reforms:

Arizona (2026)

  • SB1431: Prohibits cities from requiring HOAs or aesthetic standards for single‑family homes; prevents permit delays based on such requirements.
  • SB1787: Codifies Sheetz v. El Dorado by requiring individualized determinations of exactions (vetoed April 7, 2026).

California (2026)

  • AB1070: Studies shifting missing‑middle housing to residential building code.
  • AB1294: Creates uniform permit applications and prevents incomplete‑permit classifications.
  • SB1014 & SB1116: Streamline urban infill townhome production and infrastructure requirement disclosures.

Summary

The year 2026 saw sweeping federal and state housing reforms centered on expanding supply, reducing regulatory barriers, limiting institutional investor dominance, and improving affordability.

Sources: housingaffordabilityinstitute.org , CNBC , Congress.gov , bipartisanpolicy.org , narpm.org , copilot

The IRS Quietly Changed 5 Rules for Retirees in 2026


Story by Adam Palasciano

 Contribution limits for 401(k)s and similar retirement accounts are increasing

The IRS raised employee contribution limits for 401(k)s, 403(b)s, governmental 457 plans, and the federal Thrift Savings Plan to $24,500 for 2026, up from $23,500 in 2025. Workers age 50 and older can make catch-up contributions of $8,000, up from $7,500 in 2025, bringing their total annual contribution limit to $32,500.

In addition, participants ages 60 through 63 may qualify for an even higher catch-up limit of $11,250 instead of $8,000, under SECURE 2.0 rules. These higher limits can help older workers accelerate savings in the final years before retirement.

Maximum contributions for IRAs will also increase

IRA contribution limits rise to $7,500 for 2026, compared with $7,000 in 2025. The catch-up contribution for individuals age 50 and older increases to $1,100, up from $1,000 in 2025.

This adjustment reflects inflation indexing introduced under SECURE 2.0 rules. While IRAs have lower limits than workplace plans, the increase still expands tax-advantaged saving opportunities for retirees and late-career workers.

New paper statement requirements

Starting in 2026, defined contribution (DC) retirement plans must provide participants with at least one paper statement per year unless electronic delivery is explicitly chosen. Meanwhile, defined benefit (DB) plans must issue paper statements at least once every three years.The rule aims to ensure participants receive clear, accessible information about their retirement balances. For retirees, paper statements may improve oversight and reduce the risk of missed account changes.

SS COLA will increase benefits

Social Security and Supplemental Security Income benefits will rise by 2.8% in 2026 thanks to the annual cost-of-living adjustment (COLA). This change means increased monthly payments for roughly 71 million Social Security recipients and 7.5 million SSI recipients next year. Increased benefits can modestly improve retirement income. However, they may also increase taxable income for some households, which can make retirement account withdrawals and tax planning very important.

The standard deduction is going up

For tax year 2026, the standard deduction increases to $32,200 for married couples filing jointly and surviving spouses, up from $31,500 in 2025. Single filers and those married filing separately will see the deduction rise to $16,100, up from $15,750 in 2025, while heads of household receive a $24,150 deduction, up from $23,625 in 2025.

A higher standard deduction could reduce taxable retirement income for filers who do not itemize. This change may also affect how retirees sequence withdrawals from taxable, tax-deferred, and Roth accounts.

How these updates could influence withdrawal timing

IRS adjustments in 2026 may subtly affect when retirees choose to withdraw from different types of accounts, and changes to contribution limits may shift taxable income from year to year.

Reviewing withdrawal timing across taxable, tax-deferred, and Roth accounts can help maintain flexibility. Even small adjustments may reduce tax drag over a long retirement horizon.

Bottom line

The IRS changes taking effect in 2026 touch nearly every stage of retirement — from final contribution years to benefit collection and tax reporting. Higher limits, updated deductions, and benefit adjustments can subtly shift how retirement income is taxed and managed.

Understanding how these rules work together can help retirees align withdrawals, savings, and timing decisions more effectively within a long-term retirement plan.

More from FinanceBuzz Money

USDA~ FSN ~ FDA ~ July 2026 -Recalls – Food Safety Alerts – Previous Month & last day of prior month update


** USDA and Foodborne illness when ordering takeout or home delivery foods … usda.gov

** CDC, FDA say Cyclospora outbreak more widespread that originally thought

The CDC and FDA are tracking at least two major outbreaks of infections from the Cyclospora parasite with a combined number of confirmed patients approaching 7,000. The first outbreak,

By Coral Beach 

** FDA continues special enforcement of import laws against seafood, mushrooms

The Food and Drug Administration uses import alerts to enforce U.S. food safety regulations for food from foreign countries. The agency updates and modifies the alerts as needed. Recent

By News Desk 

** “Negligible” microbial risk from Dutch meat firm’s products

The health risk posed by meat processed by a company under investigation in the Netherlands is “negligible,” according to an assessment. The Netherlands Food and Consumer Product Safety Authority (NVWA)

By Joe Whitworth 

**

** Midwest Poultry Services. L.P. Recalls Shell Eggs Due to Possible Salmonella Enteritidis Contamination. Midwest Poultry Services, L.P. is voluntarily recalling 1,589,577 dozen white shell eggs and brown cage-free shell eggs produced in Texas because they have the potential to be contaminated with Salmonella Enteritidis.

** On July 17, 2026, Taylor Farms de Mexico, announced that they are voluntarily removing all iceberg lettuce sourced from central Mexico from the U.S. market. On July 17, Taylor Farms initiated a recall, which includes Marketside-brand product available at Walmart described as “Iceberg Salad 12-oz or 24-oz” and “Shredded Lettuce 8-oz or 16-oz” with Best if Used By dates of 7/18/2026 to 8/3/2026 and July 18 to Aug 3, 2026, respectively. A complete list of other recalled products distributed to food service customers is included in the recall notice. More information will be provided as it becomes available. 

** Taher, Inc. The U.S. Department of Agriculture’s Food Safety and Inspection Service (FSIS) is issuing a public health alert for ready-to-eat chicken Caesar wrap products due to concerns that the product may be contaminated with Listeria monocytogenes ( Lm). A recall~Impacted Products

8.7-oz. clear plastic wrapped packages of “FRESH SEASONS Kitchen Chicken Caesar Wrap” with “Sell By:6/24/2026” printed on the back label above the ingredients.

** PT Organics Limited Recalls Select Pumpkin Tree Peter Rabbit Organics Banana & Strawberry Fruit Puree Pouches Due to the Potential for Soft Plastic to Enter the Finished Product.

Barcode: 8 15367 01078 0

  • Lane number – identified by the number ‘4’ printed on the rear right-hand side seam

** Unique Pharmaceutical Laboratories (A Div. of J. B. Chemicals & Pharmaceuticals Ltd.) Issues Voluntary Nationwide Recall of Cetirizine Hydrochloride Tablets USP 5 mg Due to Potential Cross-Contamination with Ranitidine. July 18th, 2026 – Panoli, Gujarat, Unique Pharmaceutical Laboratories (A Div. of J. B. Chemicals & Pharmaceuticals Ltd.) is voluntarily recalling four lots of Cetirizine Hydrochloride Tablets USP 5 mg to the consumer level due to cross-contamination with Ranitidine. Consumers with general or medical inquiries regarding this recall can contact Rising Pharma Holdings Inc. at: Phone number: 1-844-874-7464 8:00 a.m. to 5:00 p.m. (EST), (Monday-Friday) or e-mail addresspv@risingpharma.com or qa@risingpharma.com. Complete and submit the Report Onlinewww.fda.gov/medwatch/report.htm . The product is used as an Antihistamine and is packaged in HDPE Bottle pack of 100 tablets (NDC: 16571-401-10) Lot Numbers – GY825029, GY825030, GY825031, GY825032

** Relay Peak Research LLC Recalls Zen Principle® Moringa Capsules Because of Possible Health Risk. he product was distributed nationwide from December 2025 through July 2026, sold to consumers online primarily through Amazon.com and the company’s website, zenprinciple.com. Additionally, one unit was sold on eBay and one unit on Etsy.

The recalled product is Zen Principle® brand Moringa Capsules, 180 capsules packaged in a plastic bottle. The lot number (Lot A6FF4) and Best By date (11/2028) are printed on the bottom of the bottle. The product is offered as a 1-pack (180 capsules; Amazon code/FNSKU X000ZJJ4FT) and as a 2-pack (twin pack, 360 capsules; Amazon code/FNSKU X00159YJXP). No other products are impacted.

No illnesses have been reported to date. Consumers who purchased Zen Principle® Moringa Capsules, Lot A6FF4, are urged to stop using the product and dispose of it. Consumers do not need to return the product to receive a full refund. To request a refund or ask any questions, consumers may contact the company at 775-451-6171 from 9 AM to 5 PM Pacific Time, or by email at info@zenprinciple.com.

** Taylor Fresh Foods Recalls Iceberg Lettuce from Central Mexico Because of Possible Health Risk Taylor Farms de Mexico of Guanajuato, Mexico is voluntarily removing all iceberg lettuce sourced from central Mexico from the U.S. market, because it has the potential to be contaminated with Cyclospora. Most people infected with Cyclospora develop diarrhea, with frequent bowel movements. Other common symptoms include loss of appetite, weight loss, stomach cramps/pain, bloating, increased gas, nausea, and fatigue. Vomiting, body aches, headache, and fever may be noted. Some people who are infected with Cyclospora do not have any symptoms. If not treated, the illness may lead to dehydration and severe complications that may require higher levels of care. The shredded iceberg product was distributed June 29th thru July 16th in AL, AR, CT, FL, GA, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NH, NJ, OH, OK, PA, SC, TN, TX, VA, and WI. This action was prompted by the multistate Cyclospora outbreak https://www.fda.gov/food/outbreaks-foodborne-illness/investigation-5-state-outbreakcyclospora-illnesses-iceberg-lettuce-july-2026. We are actively removing the implicated products. The company has stopped receiving product from the implicated lot, suspended distribution of the iceberg lettuce from Central Mexico, notified our customers, and we are continuing to work with the FDA, CDC, and state authorities.

** Lettuce at Taco Bell in 5 states confirmed as a source of diarrhea-causing parasite https://apnews.com/article/cyclospora-lettuce-taco-bell-cdc-fda-13d9e9ebdc46a4d05a58da2ae8e8d0de?utm_source=twitter&utm_medium=share

** Taylor Farms 07/17/26 12:44 PM PT

As a family-owned company, we are deeply concerned for those who became ill, their families, and the Americans whose trust in the safety of fresh produce has been shaken.

Based on information provided yesterday by the FDA, Taylor Farms de Mexico is voluntarily removing all iceberg lettuce sourced from central Mexico from the U.S. market.

** Clover Hill Dairy ~ June, Company expands cheese recall; Listeria outbreak traced to products
By News Desk foodsafetynews.com, the FDA and CDC, in collaboration with state and local partners, are investigating a multi-state, multi-year outbreak of Listeria monocytogenes infections linked to requeson, a soft cheese similar to ricotta, manufactured by Clover Hill Dairy LLC of Mechanicsville, MD. A distributor of Clover Hill Dairy requeson cheese has also initiated a recall. On June 5, Nelson & Isa Lacteos LLC of Bay Shore, NY, initiated a recall of 1-pound packages of requeson cheese sold in clear plastic clamshell containers to retail locations in New York from May 15 to May 28. The recalled cheese was likely repacked at the retail store locations, and labeling or coding of recalled cheese may vary based on location of purchase. A list of New York retail stores and locations that FDA has reason to believe received requeson cheese that was included in the recall by Nelson & Isa Lacteos LLC can be found in the recall announcement.

Clover Hill cheese was distributed from May 4 through May 30 in the following states: North Carolina, New York, Virginia, Maryland, New Jersey and Washington D.C. through bulk distributors, retail stores and directly to consumers.

Nelson & Isa Lacteos requeson products were sold at retail locations in New York from May 15 to May 28.

** Kao USA Voluntarily Recalls Some Lots of Oribe Serene Scalp Densifying Shampoo-The recall is limited to specific lots of the Oribe Serene Scalp Densifying Shampoo in8.5 oz and 33.8 oz sizes. Further investigation to confirm the scope of the issue is still ongoing.

Identifying the Affected Products:

  • Oribe Serene Scalp Densifying Shampoo (in 8.5 oz and 33.8 oz sizes), manufactured between February 21, 2026 and February 26, 2026, could be impacted.
  • The affected lot codes for the 8.5 oz size (UPC 840035231242) can be found onthe bottom of the bottle printed in black and begin with the prefix “YR”: o YR010556
  • The affected lot codes for the 33.8 oz size (UPC 840035231273) can be found onthe bottom of the bottle printed in black and begin with the prefix “YR”: o YR010566 o YR010576

To report any adverse events experienced with the use of this product, arrange for a replacement or for any questions, please contact the Kao Professional Hair Technical Hotline at 800-333-2442 or email oribecomplaints@kao.com.

** Voluntary Recall of Two Lots of PEDIGREE® Can High Protein Chopped Chicken & Duck Flavor Wet Dog Food Due to Potential Fraudulent Distribution of Product Which May Contain Foreign Material -How to Identify Impacted Products
This recall applies ONLY to the two lot codes of product below:

  • Product: PEDIGREE® Can High Protein Chopped Chicken & Duck Flavor 13.2oz for dogs
  • Lot codes: 613C3KKCFC & 613C1KKCFC
  • Safety Risk: Pieces of hard and sharp metal with plastic may be present and could cause harm if consumed.

If you believe you have purchased this product, do not feed it to animals, and contact PEDIGREE for a replacement product.

No other PEDIGREE or Mars Petcare US, Inc. products are affected or being recalled.Contact PEDIGREE Consumer Care to initiate a replacement or with any questions at 1-800-525-5273, Monday through Friday from 8:00 AM to 8:00 PM Central Standard Time (CDT), and Saturday and Sunday from 8:00AM to 4:00PM (CDT). You can also visit: https://www.pedigree.com/updateExternal Link Disclaimer.

** Frutas y Hortalizas del Sur S.A. Initiates Recall of Frozen GreenWise Organic IQF Blueberries Due to Potential E. coli O145 Contamination -Frutas y Hortalizas del Sur S.A., San Carlos, Chile is recalling frozen GreenWise Organic IQF Blueberries 10 oz. Because it may be contaminated with Escherichia coli O145:H28 (E. coli O145).

E. coli O145 is a Shiga toxin-producing E. coli (STEC) that can cause illness characterized by severe stomach cramps, diarrhea (which may be bloody), and vomiting. While most healthy individuals recover within a week, some infections may result in a serious complication known as hemolytic uremic syndrome (HUS), particularly in young children, older adults, and individuals with weakened immune systems.

The recalled product was shipped to Publix retail stores throughout 8 states including Alabama, Florida, Georgia, Kentucky, North Carolina, South Carolina, Tennessee, and Virginia. Consumers should check their freezers for the affected product.

The affected product lot is:

  • Product: Frozen GreenWise Organic IQF Blueberries
  • Package Size: 10 oz
  • Lot Code: 60401
  • Best By Date: February 9, 2028

No other lot codes or Best By dates are affected by this recall.

There have been reports of 12 confirmed cases of consumers experiencing stomach illness between May 11, 2026 and June 5, 2026 linked with E. coli O145:H28 infections –

Consumers or customers with questions regarding this recall may contact:

Info.foodsafety@comfrut.com or 336-899-5612

After receiving reports of consumers experiencing digestive illnesses and having consumed GreenWise frozen blueberries as part of their diet, Frutas y Hortalizas S.A. has decided to initiate the recall.

**FDA issues emergency use generic OTC drug treatment for New World ScrewWorm for dogs and cats https://www.fda.gov/news-events/press-announcements/fda-issues-emergency-use-authorization-generic-over-counter-drug-treat-new-world-screwworm-dogs-and

** USDA Launches Great American Cotton Plan

Secretary Brooke L. Rollins today announced the Great American Cotton Plan, a comprehensive USDA initiative to strengthen the cotton farm economy.

** Five Star brand oysters recalled in Canada because of Salmonella

Certain Five Star Shellfish Inc. brand oysters are being recalled in Canada because of contamination with Salmonella. The recall was triggered by Canadian Food Inspection Agency test results.  There have

By News Desk 

** TNVitamins expands recall of moringa powder products

Total Nutrition Inc. of Deer Park, NY, has expanded a recall to now include TNVitamins 100% Organic Moringa 1,200 mg Capsules and 100% Organic Moringa Powder following a supplier-

By News Desk 

** Concerns voiced after Listeria found in chicken supplied to hospitals; withdrawal initiated

Health officials in the United Kingdom have opened an investigation after Listeria was found in chicken supplied to hospitals. Chicken products imported by Foodbridge EU and Foodbridge UK from Brazil

By Joe Whitworth 

Americans with Disabilities Act (ADA) signed into law


On July 26, 1990, President George H.W. Bush signs the Americans with Disabilities Act (ADA), the most sweeping affirmation of rights for the disabled in American history at the time, into law.

As disability rights attorney Arlene Mayerson would later write, the story of the ADA began “when people with disabilities began to challenge societal barriers that excluded them from their communities, and when parents of children with disabilities began to fight against the exclusion and segregation of their children.” Activists explicitly compared their struggle to the Civil Rights movement, arguing that without federal requirements in place, the disabled faced discrimination both as patrons of public spaces and businesses and in seeking employment. In 1986, the National Council on Disability, an independent government agency, issued a report that reached the same conclusion, highlighting the many gaps in federal law that made full participation in society and equal opportunities for employment impossible for many disabled Americans.

Source: history.com for the complete article

1947 – U.S. President Truman signed The National Security Act. The act created the National Security Council, the Department of Defense, the Central Intelligence Agency and the Joint Chiefs of Staff.


A Look Back … The National Security Act of 1947
President Harry S. Truman signed the National Security Act of 1947 (P.L. 80-235, 61 Stat 496) on July 26, 1947.

The act – an intricate series of compromises – took well over a year to craft. It remained the charter of the U.S. national security establishment until significantly altered with the passage of the National Security Intelligence Reform and Terrorism Prevention Act of December 2004, which created the Office of the Director of National Intelligence.
This landmark legislation reorganized and modernized the US armed forces, foreign policy, and the Intelligence Community apparatus. It directed a major reorganization of the foreign policy and military establishments of the US government. And it created many of the institutions that US presidents would find useful when formulating and implementing foreign policy.

A Brief Overview of the Act
The act:
Established the National Security Council (NSC)
Merged the War and Navy departments into the National Military Establishment (NME) headed by the secretary of defense, and
Recognized the US Air Force as an independent service from the Army.
Initially each of the three service secretaries maintained quasi-cabinet status, but the act was amended on August 10, 1949 to formalize their subordination to the secretary of defense. At the same time the NME was renamed the Department of Defense.
In the intelligence field, the act ratified President Truman’s creation (in 1946) of the post of Director of Central Intelligence (DCI), and transformed the Central Intelligence Group into the statutory Central Intelligence Agency (CIA), the nation’s first peacetime intelligence agency.
Most of these provisions prompted sharp debates in the Executive Branch and Congress. Several compromises were struck in order for the act to win passage. These compromises would have far-reaching im

President Truman’s Goals:
Unify the Armed Services & Reform Intelligence
President Truman’s main goal in guiding this legislation through Congress was to modernize the nation’s “antiquated defense setup” by unifying the armed services under a civilian chief. Intelligence reform was a secondary goal, and the White House kept the bill’s passages on intelligence as brief as possible to ensure that its details did not hamper prospects for military unification. This tactic almost backfired.
When the president sent his bill forward in February 1947, the brevity of its intelligence provisions caused Congressional scrutiny. More than a few members of Congress read the bill with concerns about its proposed concentration of military power.
They also eventually debated almost every word of its bill’s intelligence section. Some members argued that the DCI and the new CIA could become a menace to civil liberties–an “American Gestapo.” Administration witnesses alleviated this concern by reminding Congress that the Agency’s authorized mission would be foreign intelligence.

The Act Establishes the Role for CIA
When lawmakers finished editing the section on intelligence, however, the language managed to summarize and ratify most of the crucial arrangements already made by the Truman administration. The National Security Act would:
authorize a Central Intelligence Agency (but leave the powers and duties of the Agency’s head for a separate bill to enumerate);
that CIA would be an independent agency under the supervision of the NSC;
that CIA would conduct both analysis and clandestine activities, but would have no policymaking role and no law enforcement powers;
and, finally, that the DCI would be confirmed by the Senate and could be either a civilian or an officer on detail from his home service.
The legislation gave America something new; no other nation had structured its foreign intelligence establishment in quite the same way.
The CIA would be an independent, central agency, overseeing strategic analysis and coordinating clandestine activities abroad. It would not be a controlling agency. The CIA would both rival and complement the efforts of the departmental intelligence organizations. This prescription of coordination without control guaranteed competition as the CIA and the departmental agencies pursued common targets, but it also fostered a healthy exchange of views and abilities.
What the act did not do, however, was almost as important as what it did. It helped ensure that American intelligence remained a loose confederation of agencies lacking strong direction from either civilian or military decisionmakers. President Truman had endorsed the Army and Navy view that “every department required its own intelligence.” The National Security Act left this concession intact. Only later would the Defense Intelligence Agency be created to coordinate military intelligence.

Separation Between Foreign & Domestic Intelligence
The act also made a crucial concession to members concerned about threats to civil liberties. It drew a bright line between foreign and domestic intelligence and assigning these realms, in effect, to the CIA and the Federal Bureau of Investigation, respectively. The CIA, furthermore, would have no “police, subpoena, or law enforcement powers,” according to the act.

The importance of the National Security Act cannot be overstated. It was a central document in U.S. Cold War policy and reflected the nation’s acceptance of its position as a world leader.

Historical Document
Posted: Jul 31, 2008 10:37 AM
Last Updated: Apr 30, 2013 12:06 PM

Applications for the Intelligence Community.

 

Cia.gov