ROAD Act Deadline & Rulemaking Tracker
The Act orders federal agencies to issue guidelines, launch pilots, and report to Congress on fixed clocks. Dates below are calculated from enactment on July 11, 2026; where the statute names a calendar date we use it directly. We update this page as agencies act.
Dated deadlines
| Date | Agency | What must happen | Section |
|---|---|---|---|
| Jul 1, 2025 | HUD/FHA | Annual inflation indexing of FHA multifamily loan limits commences (July 1, 2025) | § 211 |
| Aug 10, 2026 | HUD | Publish a Federal Register notice with the latest formula allocation methodologies for unmet disaster needs (30 days after enactment) | § 504 |
| Sep 9, 2026 | HUD | HUD notifies each eligible recipient of its housing growth improvement rate and shares best-practices guidance (60 days after enactment) | § 213 |
| Oct 1, 2026 | HUD | CDBG grantee database requirement takes effect (October 1, 2026) | § 104 |
| Oct 9, 2026 | USDA | Report to Congress on the timeliness of Section 502 and 504 loan application decisions, then annually until all determinations are made within 90 days (90 days after enactment, and annually thereafter) | § 502 |
| Jan 7, 2027 | HUD | Establish eligibility criteria for the pilot (180 days after enactment) | § 106 |
| Jan 7, 2027 | HUD | Define 'temperature-related complaints' and 'temperature-related violations' (180 days after enactment) | § 106 |
| Jan 7, 2027 | HUD | Establish standards protecting personally identifiable information (180 days after enactment) | § 106 |
| Jan 7, 2027 | HUD | Complete a review of how Build America, Buy America requirements apply to HOME-assisted activities (180 days after enactment) | § 501 |
| Jan 7, 2027 | USDA | Publish advance notice of proposed rulemaking and consult stakeholders for the housing preservation and revitalization program (180 days after enactment) | § 502 |
| Jan 7, 2027 | HUD | Submit a comprehensive report to Congress on all Moving to Work cohorts, including tenant and agency outcome data, then annually (180 days after enactment, and annually thereafter) | § 505 |
| Jan 7, 2027 | HUD, USDA, VA | Joint report to Congress on interagency collaboration and laws that hinder housing construction (180 days after enactment) | § 801 |
| Jan 7, 2027 | HUD, USDA | HUD and USDA enter into a memorandum of understanding on streamlining environmental reviews and inspections (180 days after enactment) | § 802 |
| Jan 7, 2027 | N/A (self-executing statutory prohibition) | Prohibition on purchases by large institutional investors takes effect (180 days after enactment) | § 1001-a |
| Jan 7, 2027 | Department of Housing and Urban Development | Establish the renter outreach resource (toll-free number and public website) (180 days after enactment) | § 1001-e |
| Jan 7, 2027 | N/A (obligation on large institutional investors, filed with HUD) | First annual notification of large-investor status and home inventory to HUD (180 days after enactment) | § 1001-f |
| Jan 7, 2027 | N/A | Purchase prohibition and enforcement provisions take effect (180 days after enactment) | § 1001-i |
| Jan 11, 2027 | USDA | Study and publicly report to Congress on Section 521 rental assistance subsidies and their recapture (6 months after enactment) | § 502 |
| Jan 11, 2027 | HUD | Issue proposed rules for the disaster recovery program (with a 90-day public comment period), after consulting FEMA and SBA (6 months after enactment) | § 504 |
| Jan 11, 2027 | FHFA | FHFA Director must require the enterprises to add the VA loan disclosure to the Uniform Residential Loan Application (6 months after enactment) | § 601 |
| Jan 11, 2027 | FHFA | FHFA Director must require the enterprises to add the military service question (Yes / No / Prefer Not To Answer) above the signature line of the Uniform Residential Loan Application (6 months after enactment) | § 603 |
| Jan 11, 2027 | FHFA | FHFA Director must issue a rule to carry out the amendments made by this section (6 months after enactment) | § 603 |
| Jan 11, 2027 | FDIC | Report to Congress on the reciprocal deposits study (6 months after enactment) | § 902 |
| Mar 8, 2027 | HUD | Issue mortgagee letter or guidance implementing the new FHA appraiser certification, competency, and education requirements (240 days after enactment) | § 403 |
| Mar 8, 2027 | GAO | GAO submits a public report to Congress on the feasibility of a public appraisal database (240 days after enactment) | § 704 |
| Apr 7, 2027 | CFPB | Submit report to Congress on loan originator compensation practices and barriers to small-dollar mortgage lending (270 days after enactment) | § 401 |
| Apr 7, 2027 | CFPB | Evaluate the impact of points-and-fees thresholds under 12 CFR 1026.43 on small-dollar mortgage originations (270 days after enactment) | § 402 |
| Apr 7, 2027 | HUD | Report to House Financial Services and Senate Banking Committees on the Buy America review and guidance (270 days after enactment) | § 501 |
| Jul 11, 2027 | HUD | Window for HUD/FHA to establish the small-dollar mortgage pilot (permissive) (1 year after enactment) | § 105 |
| Jul 11, 2027 | HUD | HUD establishes the planning grant program (1 year after enactment) | § 207 |
| Jul 11, 2027 | HUD | HUD establishes the Innovation Fund grant program (1 year after enactment) | § 208 |
| Jul 11, 2027 | State governments / HUD | States submit initial certification that they treat chassis-less manufactured homes in parity with traditional manufactured homes (1 year after enactment (2 years for states with biennial legislatures)) | § 301 |
| Jul 11, 2027 | HUD | Adopt minimum energy efficiency standards for manufactured homes (1 year after enactment) | § 301 |
| Jul 11, 2027 | HUD | Publish report on barriers to modular home methods in FHA construction financing programs (1 year after enactment) | § 302 |
| Jul 11, 2027 | HUD | Develop or choose one or more methods for annually indexing FHA Title I loan limits (existing method applies in the interim) (1 year after enactment) | § 303 |
| Jul 11, 2027 | HUD | Complete study and report to Congress on the cost-effectiveness of offsite construction housing versus site-built homes (1 year after enactment) | § 303 |
| Jul 11, 2027 | HUD | Issue rules implementing the new authority to use HOME funds for infrastructure improvements (1 year after enactment) | § 501 |
| Jul 11, 2027 | HUD | Issue rules implementing the new environmental review exemptions and streamlining provisions (1 year after enactment) | § 501 |
| Jul 11, 2027 | USDA | Publish an interim final rule for the housing preservation and revitalization program (1 year after enactment) | § 502 |
| Jul 11, 2027 | GAO | Report to Congress on Rural Housing Service technology, including modernization cost and staffing estimates (1 year after enactment) | § 502 |
| Jul 11, 2027 | HUD | Issue final regulations for the new CDBG Disaster Recovery program (section 124) (1 year after enactment) | § 504 |
| Jul 11, 2027 | HUD, USDA | Report to Congress with legislative, regulatory, or administrative recommendations (1 year after enactment) | § 802 |
| Jul 11, 2027 | HUD | Report initial findings of the work-requirements study to Congress (1 year after enactment) | § 803 |
| Jul 11, 2027 | GAO | Workforce housing study and report to Congress (1 year after enactment) | § 804 |
| Jul 11, 2027 | GAO | Study and report on housing for elderly or disabled persons (1 year after enactment) | § 804 |
| Jul 11, 2027 | GAO | Study and report on dwelling units within 1 mile of Superfund National Priorities List sites (1 year after enactment) | § 804 |
| Jul 11, 2027 | GAO | Study and report on residential heirs' property (1 year after enactment) | § 804 |
| Jul 11, 2027 | HUD | Covered public housing agencies begin publicly disclosing contract details on their websites (1 year after enactment) | § 805 |
| Jul 11, 2027 | Federal financial institutions regulatory agencies | First annual report to Congress on streamlining actions and capital-raising recommendations (published on agency websites; repeated annually for 5 years) (1 year after enactment) | § 907 |
| Jul 11, 2027 | Federal financial institutions regulatory agencies | Publish information and directions on requesting or serving as a de novo mentor (1 year after enactment) | § 907 |
| Jul 11, 2027 | Federal banking agencies | Joint report to Congress on causes of low de novo bank formation and ways to promote new banks (1 year after enactment) | § 908 |
| Jul 11, 2027 | Federal Reserve, OCC, and FDIC | Joint report to Congress on the rural depository institutions study (1 year after enactment) | § 909 |
| Jul 11, 2027 | NCUA | Report to Congress on the rural credit unions study (1 year after enactment) | § 909 |
| Jan 11, 2028 | HUD | Issue point-access block building guidelines and model code language (18 months after enactment) | § 102 |
| Jan 11, 2028 | GAO | GAO must study and report to Congress on whether at least 80 percent of lenders using the form have included the required disclaimer (18 months after enactment) | § 601 |
| Jul 11, 2028 | HUD | Publish draft guidelines for public comment and convene task force (within 2 years after enactment) | § 107 |
| Jul 11, 2028 | OCC and Federal Reserve | OCC and Federal Reserve each report to Congress on banks' public welfare investments over the prior two years (2 years after enactment, and every 2 years thereafter) | § 203 |
| Jul 11, 2028 | HUD | HUD submits annual report to Congress on reductions in review times and administrative costs (annually for 5 years, beginning 2 years after enactment) | § 206 |
| Jul 11, 2028 | USDA | Issue regulations establishing a process for adjusting rural development voucher amounts after interim or annual reviews (2 years after enactment) | § 502 |
| Jul 11, 2028 | Federal financial institutions regulatory agencies | Submit state and stakeholder engagement plans to Congress (then every 5 years) (2 years after enactment) | § 907 |
| Jul 11, 2028 | N/A | Window closes for excepted purchases from investors not covered by the section (exception I) (2 years after the effective date (i.e., 2 years after the date 180 days post-enactment)) | § 1001-c |
| Jul 11, 2029 | HUD | Authority to newly establish a small-dollar mortgage pilot expires (3 years after enactment) | § 105 |
| Jul 11, 2029 | HUD | Pilot program terminates (3 years after enactment) | § 106 |
| Jul 11, 2029 | HUD | Publish final zoning framework guidelines and best practices (3 years after enactment) | § 107 |
| Jul 11, 2029 | FHA | FHA Commissioner reports study findings on multifamily loan limits to Congress (3 years after enactment) | § 211 |
| Jul 11, 2029 | HUD | The new CDBG Disaster Recovery program terminates (3 years after enactment) | § 504 |
| Dec 31, 2030 | Federal Reserve | CBDC prohibition ceases to be effective (sunset) (December 31, 2030) | § 1101 |
| Jul 11, 2031 | USDA | Report to Congress on the effects of the environmental review exemption (5 years after enactment) | § 103 |
| Jul 11, 2031 | HUD | Program terminates (5 years after enactment) | § 207 |
| Oct 1, 2031 | HUD | Whole-home repairs pilot program terminates (October 1, 2031) | § 202 |
| Dec 31, 2031 | Federal banking agencies | Joint report to Congress on the pilot program's impact on new bank formation (December 31, 2031) | § 908 |
| Jul 11, 2033 | HUD | Pilot grant program for point-access block buildings terminates (7 years after enactment) | § 102 |
| Jul 11, 2033 | HUD | Program terminates (7 years after enactment) | § 208 |
| Jul 11, 2033 | HUD | PRICE grant program terminates (sunset) (7 years after enactment) | § 304 |
| Jul 11, 2036 | HUD | Pilot program terminates (sunset) (10 years after enactment) | § 404 |
Conditional & recurring requirements
These clocks start when a program is established or run on a recurring schedule, so they don't have a fixed calendar date yet.
| Date | Agency | What must happen | Section |
|---|---|---|---|
| — | HUD | First annual report to Congress on pilot outcomes (1 year after pilot establishment) | § 105 |
| — | HUD | Pilot program terminates (4 years after establishment) | § 105 |
| — | HUD | Publish interim evaluation report to Congress (12 months after pilot establishment) | § 106 |
| — | HUD | Publish final evaluation report to Congress (36 months after pilot conclusion) | § 106 |
| — | HUD | Report to Congress on state and local adoption of the guidelines (5 years after final guidelines are published) | § 107 |
| — | HUD | Grantees submit annual reports on units served, costs, applications, demographics, and anti-fraud compliance (annually while receiving grant funds) | § 202 |
| — | HUD Office of Inspector General | HUD Inspector General assesses safeguards against misuse of the pilot program (at least twice during the life of the pilot program) | § 202 |
| — | HUD | HUD submits annual summary of program data to Senate Banking and House Financial Services Committees (annually) | § 202 |
| — | HUD | New construction authority applies only to funds appropriated after enactment (upon enactment (prospective funds only)) | § 204 |
| — | HUD | HUD publishes housing-supply-growth methodology in the Federal Register for public comment (at least 90 days before each notice of funding opportunity) | § 208 |
| — | HUD | Authorized appropriations of $200,000,000 per year (fiscal years 2027 through 2031) | § 208 |
| — | HUD | HUD may require repayment if selected prereviewed designs are not adopted (5 years after receipt of the grant (extendable by HUD)) | § 209 |
| — | HUD | Pilot program operates (fiscal years 2027 through 2031) | § 210 |
| — | HUD | HUD studies and reports to Congress on the pilot's impact on tax base, affordable housing access, homeownership, and blight (180 days after the pilot program terminates) | § 210 |
| — | HUD | HUD annually assesses and publishes findings on RAD conversions' effects on public housing preservation, private leveraging, and tenants (annually) | § 212 |
| — | HUD | CDBG allocation adjustments (bonuses and 10 percent reductions) take effect (third full fiscal year after enactment, remaining in effect through fiscal year 2043) | § 213 |
| — | HUD | HUD publishes annual report listing each recipient's housing growth improvement rate and prior-year bonuses and reductions (annually, before allocating CDBG funds each fiscal year) | § 213 |
| — | State governments / HUD | States submit annual recertification confirming continued parity treatment (annually, by a date HUD sets) | § 301 |
| — | HUD | Update manufactured home energy efficiency standards (at least once every 3 years after initial adoption) | § 301 |
| — | HUD | Initiate rulemaking on an alternative construction-loan draw schedule for modular and manufactured home developers (120 days after the report is published) | § 302 |
| — | HUD | Issue a final rule on the alternative draw schedule or explain why it will not become final (after the public comment period) | § 302 |
| — | HUD | Mortgagee letter or guidance takes effect (No later than 180 days after HUD issues it) | § 403 |
| — | HUD | Select eligible entities to participate in the pilot (1 year after the pilot program is established) | § 404 |
| — | HUD | Selected entities establish escrow accounts for enrolled families (6 months after selection) | § 404 |
| — | HUD | Study and report to Congress on family outcomes under the pilot (10 years after entities are selected) | § 404 |
| — | HUD | Issue updated guidance clarifying Build America, Buy America application to HOME (90 days after completing the review) | § 501 |
| — | USDA | Submit and publish an annual report on the health of all rural housing programs, including loan performance and property risk ratings (annually) | § 502 |
| — | HUD | Approve or deny each spending-cap waiver request (60 days after receiving the request) | § 503 |
| — | HUD | Waiver authority applies to grant funds for fiscal years 2027 through 2030 (fiscal years 2027-2030) | § 503 |
| — | HUD | Determine whether each major disaster is catastrophic and qualifies for funding (90 days after the disaster declaration (no later than 120 days if data is insufficient)) | § 504 |
| — | HUD | Approve, partially approve, or disapprove each grantee action plan (60 days after receiving the plan) | § 504 |
| — | HUD | Grantees must spend grant funds (6 years after obligation (extendable up to 4 more years, or 6 for mitigation)) | § 504 |
| — | HUD | Keep Moving to Work research products, reports, and agency plans publicly available online (at least 5 years) | § 505 |
| — | HUD | HUD Secretary testifies before the Senate Banking and House Financial Services Committees on department operations (annually) | § 701 |
| — | HUD | Report to Congress on the FHA insurance fund's capital ratio (monthly) | § 702 |
| — | HUD | Notify Congress if the FHA fund falls below its required capital ratio (as soon as practicable after it occurs) | § 702 |
| — | U.S. Interagency Council on Homelessness | Report to the President and Congress on the status of the federal plan to end homelessness and any modifications (annually) | § 703 |
| — | U.S. Interagency Council on Homelessness | Testify before Congress if requested (annually) | § 703 |
| — | Congress | Senate Banking and House Financial Services Committees each hold a hearing on the GAO report's findings (upon completion of the GAO report) | § 704 |
| — | USDA, VA, FHA, and FHFA | Implement and maintain requirements that lenders have a consumer reconsideration-of-value process for federally backed mortgages (no explicit deadline stated) | § 704 |
| — | HUD, USDA, VA | Publish the report in the Federal Register for 30 days of public comment before submission (Before report submission) | § 801 |
| — | HUD (receivers/federal monitors) | Receivers and federal monitors submit written assessments to House and Senate committees (October 1 of each year) | § 805 |
| — | HUD Inspector General | Inspector General analysis provided to a requesting congressional committee (180 days after receiving a written committee request) | § 805 |
| — | GAO | First GAO review and report to Congress on a systemic risk determination (60 days after each determination, and again 180 days thereafter) | § 905 |
| — | Federal banking agencies | Federal banking agency report to Congress disclosing exam records and supervisory failures for the failed bank (90 days after each determination, and again 210 days thereafter (extendable by 60 days with notice to Congress)) | § 905 |
| — | Treasury | Hold outreach events promoting program participation (at least once a year) | § 906 |
| — | Treasury | Report to Congress on program participation and outreach events (annually (no fixed statutory start date)) | § 906 |
| — | N/A (obligation on large institutional investors) | Large investors update renter-dispute contact information after any change (Within 30 days of the change) | § 1001-e |
| — | Department of Housing and Urban Development | Annual public report to Congress on renter disputes (March 31 of each year) | § 1001-e |
| — | N/A (obligation on large institutional investors, filed with HUD) | Recurring annual notification of status and inventory (December 31 of each year thereafter) | § 1001-f |
| — | Department of the Treasury / Department of Housing and Urban Development | Civil penalty proceeds begin transferring to HUD for the HOME program and first-time homebuyer grants (Fiscal year 2027 and each fiscal year thereafter (subject to appropriations)) | § 1001-g |
| — | Government Accountability Office | First GAO report on investor ownership impacts and the section's effectiveness (2 years after the prohibition takes effect) | § 1001-h |
| — | Government Accountability Office | Second GAO report (10 years after the prohibition takes effect) | § 1001-h |
| — | Department of Housing and Urban Development | First HUD report on the investor definition, financial impacts, and legislative recommendations (2 years after the prohibition takes effect) | § 1001-h |
| — | Department of Housing and Urban Development | Second HUD report (10 years after the prohibition takes effect) | § 1001-h |
| — | N/A | Purchase prohibition and enforcement provisions are repealed (sunset) (15 years after the effective date) | § 1001-i |
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