H.R. 6269 – Modular Housing Production Act

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Updated December 17, 2025 at 8:11 AM UTC

The Modular Housing Production Act directs the Secretary of Housing and Urban Development to examine Federal Housing Administration (FHA) construction financing programs for obstacles that prevent developers from using modular home construction. Within a year the Secretary must publish a report with recommendations, and within 120 days after the report must start rulemaking on an alternative loan draw schedule for modular and manufactured home projects. The bill also allows HUD to fund a study on creating a standardized uniform commercial code for modular homes. The measures aim to make modular housing more affordable and accessible for builders and homebuyers.

Key Provisions

HUD must conduct a review of FHA construction financing programs to identify regulatory and program features that limit modular home developers, such as construction draw schedules.
Within one year, HUD must issue a report describing the review results and recommending policy changes to reduce or eliminate identified barriers.
Within 120 days after the report, HUD must begin rulemaking on an alternative loan draw schedule for modular and manufactured home developers, include a public comment period, and then either finalize the rule or explain why it will not be adopted.
HUD may award a grant to study the design and feasibility of a standardized uniform commercial code for modular homes, evaluating benefits for serialization, construction efficiency, and financing incentives, with appropriations authorized as needed.

Legislative Activity

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1 earlier action

HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

Financial Services Committee

November 21, 2025

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HouseIntro Referral

Introduced in House

November 21, 2025

HouseIntro Referral

Referred to the House Committee on Financial Services.

Financial Services Committee

November 21, 2025

Bill Text

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Introduced in HouseIssued November 21, 2025

I

119th CONGRESS

1st Session

H. R. 6269

IN THE HOUSE OF REPRESENTATIVES

November 21, 2025

Mr. Lynch (for himself and Mrs. McClain) introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To require the Secretary of Housing and Urban Development to conduct a review of Federal Housing Administration construction financing programs to identify barriers to the use of modular home methods, and for other purposes.

1.

Short title

This Act may be cited as the Modular Housing Production Act.

2.

Modular Housing Production Act

(a)

Definitions

In this Act:

(1)

Manufactured home

The term manufactured home has the meaning given the term in section 603 of the National Manufactured Housing Construction and Safety Standards Act of 1974 (42 U.S.C. 5402).

(2)

Modular home

The term modular home means a home that is constructed in a factory in 1 or more modules, each of which meet applicable State and local building codes of the area in which the home will be located, and that are transported to the home building site, installed on foundations, and completed.

(3)

Secretary

The term Secretary means the Secretary of Housing and Urban Development.

(b)

FHA construction financing programs

(1)

In general

The Secretary shall conduct a review of Federal Housing Administration construction financing programs to identify barriers to the use of modular home methods.

(2)

Requirements

In conducting the review under paragraph (1), the Secretary shall—

(A)

identify and evaluate regulatory and programmatic features that restrict participation in construction financing programs by modular home developers, including construction draw schedules; and

(B)

identify administrative measures authorized under section 525 of the National Housing Act (12 U.S.C. 1735f–3) to facilitate program utilization by modular home developers.

(3)

Report

Not later than 1 year after the date of enactment of this Act, the Secretary shall publish a report that describes the results of the review conducted under paragraph (1), which shall include a description of programmatic and policy changes that the Secretary recommends to reduce or eliminate identified barriers to the use of modular home methods in Federal Housing Administration construction financing programs.

(4)

Rulemaking

(A)

In general

Not later than 120 days after the date on which the Secretary publishes the report under paragraph (3), the Secretary shall initiate a rulemaking to examine an alternative draw schedule for construction financing loans provided to modular and manufactured home developers, which shall include the ability for interested stakeholders to provide robust public comment.

(B)

Determination

Following the period for public comment under subparagraph (A), the Secretary shall—

(i)

issue a final rule regarding an alternative draw schedule described in subparagraph (A); or

(ii)

provide an explanation as to why the rule shall not become final.

(c)

Standardized uniform commercial code for modular homes

(1)

Award

The Secretary may award a grant to study the design and feasibility of a standardized uniform commercial code for modular homes, which shall evaluate—

(A)

the utility of a standardized coding system for serializing and securing modules, streamlining design and construction, and improving modular home innovation; and

(B)

a means to coordinate a standardized code with financing incentives.

(2)

Authorization of appropriations

There is authorized to be appropriated such funds as may be necessary to carry out paragraph (1).