HR7221-119

In Committee

Stopping Wall Street From Competing With Main Street Homebuyers Act

119th Congress Introduced Jan 22, 2026

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

This bill, Stopping Wall Street From Competing With Main Street Homebuyers Act, changes federal law or congressional policy affecting homeowners, renters, builders, and housing agencies. The main policy domain is Housing, Finance, Social Welfare.

Who Benefits and How

homeowners, renters, builders, and housing agencies may benefit from new authority, funding, eligibility, regulatory clarity, or reduced risk created by the bill.

Who Bears the Burden and How

federal implementing agencies, homeowners, renters, builders, and housing agencies may take on implementation duties, reporting obligations, compliance costs, or oversight responsibilities.

Key Provisions

  • Section HAB6A88F9B9F04952BADE3364493956FB: 1. Short title This Act may be cited as the Stopping Wall Street From Competing With Main Street Homebuyers Act.
  • Section H8ACF2EBC926F4BF69459B91DEC1F0549: 2. Restrictions on purchasing single family homes The Investment Company Act of 1940 (15 U.S.C. 80a–1 et seq.) is amended by inserting after section 12 the...
  • Section HEDDC111690804C2EAEDEA64CD279B64B: 12A. Restrictions on purchasing single family homes Beginning on the date that is 90 days after the date of the enactment of this section, a covered fund may...

Evidence Chain:

This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.

At a Glance

What This Bill Does

This bill, Stopping Wall Street From Competing With Main Street Homebuyers Act, changes federal law or congressional policy affecting homeowners, renters, builders, and housing agencies.

Key Policy Areas

Housing, Finance, Social Welfare

Primary Purpose

This bill, Stopping Wall Street From Competing With Main Street Homebuyers Act, changes federal law or congressional policy affecting homeowners, renters, builders, and housing agencies.

Policy Domains

Housing Finance Social Welfare

Whole bill

Identified Gains
  • homeowners, renters, builders, and housing agencies
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: ih
homeowners, renters, builders, and housing agencies: ,
Identified Costs
  • federal implementing agencies
  • homeowners, renters, builders, and housing agencies
Model: codex-gpt-5 | Version: bill_summary_v2 | Source: ih
federal implementing agencies: ,
homeowners, renters, builders, and housing agencies: ,

Legislative Progress

In Committee
Introduced Committee Passed
Jan 22, 2026

Referred to the House Committee on Financial Services.

Jan 22, 2026

Introduced in House

Jan 22, 2026

Mrs. Luna introduced the following bill; which was referred to …

Impact analysis is available but no clear stakeholder effects identified. View clause-level analysis →

Bill Structure & Actor Mappings

Who is "The Secretary" in each section?

Domains
Housing Finance Social Welfare
Actor Mappings
"federal_implementing_agencies"
→ Federal agencies assigned duties by the bill

Key Definitions

Terms defined in this bill

2 terms
"covered fund" §H8ACF2EBC926F4BF69459B91DEC1F0549

a registered investment company, real estate investment trust, or private fund— with more than $500,000,000 in assets under management

"covered fund" §HEDDC111690804C2EAEDEA64CD279B64B

a registered investment company, real estate investment trust, or private fund— with more than $500,000,000 in assets under management

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