To provide rental vouchers for the homeless, and for other purposes.
Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.
Summary
What This Bill Does
The End Homelessness Act creates a comprehensive approach to addressing housing affordability and homelessness in America. It expands Section 8 rental vouchers specifically for homeless individuals and families, authorizes billions in funding for affordable housing construction, and creates new tax credits to incentivize affordable housing development.
Who Benefits and How
Low-income renters and homeless individuals benefit from expanded Section 8 vouchers, new rental assistance programs, and a refundable renters credit that reduces their housing costs. First-time homebuyers can receive up to $15,000 in tax credits. Real estate developers receive substantial new tax incentives through the Middle-Income Housing Credit, Neighborhood Homes Credit, and enhanced Low-Income Housing Tax Credits, making affordable housing projects more financially viable. Rural communities benefit from increased funding for USDA housing programs and housing preservation initiatives.
Who Bears the Burden and How
Federal government and taxpayers bear the primary cost through authorized appropriations exceeding $10 billion per year for housing programs and forgone tax revenue from multiple new tax credits. Local governments face new zoning requirements and restrictions on exclusionary practices if they want to continue receiving HUD funding. Housing credit agencies must administer additional programs and reporting requirements.
Key Provisions
- Creates permanent rental voucher program for homeless individuals with $10B/year authorized for Housing Trust Fund
- Establishes new Renters Credit (Section 36C) providing tax credits to landlords who reduce rents for low-income tenants
- Creates Middle-Income Housing Tax Credit (Section 42A) for households earning 60-100% of area median income
- Introduces Neighborhood Homes Credit (Section 42B) to address the value gap in distressed communities
- Provides $15,000 refundable first-time homebuyer tax credit
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers.
At a Glance
What This Bill Does
Addresses the national housing crisis and homelessness by expanding rental assistance programs, creating new affordable housing tax credits, and providing funding for housing construction and preservation.
Key Policy Areas
Housing, Taxation, Social Services, Rural Development, Native American Affairs
Primary Purpose
Addresses the national housing crisis and homelessness by expanding rental assistance programs, creating new affordable housing tax credits, and providing funding for housing construction and preservation.
Policy Domains
Title II - Affordable Housing Tax Credits
Identified Gains
Contextual inference, no direct clause citation- Real estate developers
- Low-income housing investors
- Middle-income renters
- First-time homebuyers
- Distressed community residents
- Native American tribes
Contextual inference, no direct clause citation
Identified Costs
Contextual inference, no direct clause citation- Federal government (tax expenditures)
- State housing credit agencies
- IRS
Contextual inference, no direct clause citation
Title I, Subtitle A - Homelessness Prevention Programs
Identified Gains
Contextual inference, no direct clause citation- Homeless individuals and families
- Low-income renters
- Public housing agencies
- Nonprofit housing developers
- Modular construction companies
Contextual inference, no direct clause citation
Identified Costs
Contextual inference, no direct clause citation- Federal government (appropriations)
- Local governments (zoning requirements)
- State housing agencies (reporting)
Contextual inference, no direct clause citation
Title I, Subtitle B - Rural Housing Reinvestment
Identified Gains
Contextual inference, no direct clause citation- Rural renters
- Farm laborers
- Rural housing property owners
- Nonprofit rural housing developers
Contextual inference, no direct clause citation
Identified Costs
Contextual inference, no direct clause citation- USDA Rural Housing Service
- Federal government
Contextual inference, no direct clause citation
Sponsors
Legislative Progress
IntroducedMs. Hoyle of Oregon (for herself and Mr. Carbajal) introduced …
Stakeholder Effects
cui bono?How this legislation distributes effects. Mention counts reflect frequency, not effect magnitude.
Distressed community residents, Existing homeowners in distressed areas, Extremely low-income households
Indian tribes, Indian tribes and tribally designated housing entities, LIHTC property owners seeking early exit
Positive-direction: Indian tribes, Indian tribes and tribally designated housing entities, Landlords accepting Section 8 vouchers, Landlords of residential rental properties, Nonprofit housing developers, Nonprofit rural housing developers, Real estate partnerships owning rental properties, Residential real estate agents, Residential real estate industry, Rural multifamily property owners, S corporations in housing sector
Negative-direction: LIHTC property owners seeking early exit, Landlords receiving renters credit, Rural rental property owners
Housing credit agencies, Local governments and elected officials, Local governments and jurisdictions
Positive-direction: Public housing agencies, State housing agencies, USDA loan processing systems
Negative-direction: Housing credit agencies, Local governments and elected officials, Local governments and jurisdictions, State housing credit agencies, Treasury Department, USDA Rural Housing Service, USDA Secretary of Agriculture
Affordable housing developers, Affordable housing developers in Indian areas, Affordable housing developers in rural areas
Positive-direction: Affordable housing developers, Affordable housing developers in Indian areas, Affordable housing developers in rural areas, Affordable housing developers using bond financing, Affordable housing developers with supportive services, Developers of extremely low-income housing, Energy efficiency contractors, Home builders in distressed communities, Housing developers building multi-unit residences, Real estate developers, Real estate developers of middle-income housing, Rural housing developers
Negative-direction: Traditional construction companies
Homeless assistance grant recipients, Homeless assistance providers, Homeless individuals and families
Future LIHTC investors, Housing credit investors, Mortgage lenders
Positive-direction: Housing credit investors, Mortgage lenders
Negative-direction: Future LIHTC investors
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
- "the_secretary"
- → Secretary of Housing and Urban Development
- "the_secretary"
- → Secretary of Agriculture
- "the_secretary"
- → Secretary of the Treasury
- "housing_credit_agency"
- → State housing credit agency
Note: The Secretary refers to Secretary of HUD in Title I Subtitle A (sections 111-115) but Secretary of Agriculture in Title I Subtitle B (sections 121-127) and Secretary of Treasury in Title II (sections 201-215)
Key Definitions
Terms defined in this bill
Any individual or family experiencing homelessness or at risk of homelessness with income less than 50% of area median income
As defined in McKinney-Vento Act section 401(1), but with 50% substituted for 30% in income threshold
As defined in section 4(11) of NAHASDA (25 U.S.C. 4103(11))
Services promoting economic self-sufficiency and health, including childcare, job training, financial counseling, provided at no cost to tenants
The difference between the price to rehabilitate a home and its sale value in distressed communities
Living in place not meant for habitation, emergency shelter, transitional housing, or fleeing domestic violence
Building with retail/business at ground level and residential units above
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology