Bills · HR 7221
IN COMMITTEE· 119TH CONGRESS
House BillHR 7221Finance and Financial Sector
Stopping Wall Street From Competing With Main Street Homebuyers Act
INTRO JAN 22· LAST ACTION JAN 22
READING
2MIN
COSPONSORS
0
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenThis bill matters because it directly addresses a growing concern about housing affordability and the role of institutional investors in the single-family housing market. Many people believe that large funds buying up homes has driven up prices and made it harder for individuals and families to afford a house.
If this bill becomes law, it could reduce competition in the housing market for individual buyers and potentially help stabilize or lower home prices over time as large funds are forced to sell their properties. If it doesn't pass, large investment funds would likely continue to be active buyers in the single-family home market, potentially continuing the trends of increased competition and rising prices for prospective homeowners.
KEY PROVISIONS
4AI-extractedPROVISION 01
Prohibits covered funds from purchasing single-family homes 90 days after the bill becomes law.
This provision immediately stops new acquisitions by large investment entities, directly reducing competition for individual buyers.
PROVISION 02
Requires covered funds to sell off all existing single-family homes within 10 years, divesting at least 10% annually.
This ensures that current institutional holdings are returned to the market for individual buyers over time, changing the long-term ownership landscape.
PROVISION 03
Defines a 'covered fund' as a registered investment company, REIT, or private fund with over $500 million in assets or significant past home purchases.
This definition is crucial as it clarifies exactly which types of large financial entities are subject to the new restrictions.
PROVISION 04
Defines a 'single family home' as a residential structure or mobile home containing one family housing unit.
This establishes clear boundaries for the types of properties targeted by the bill's restrictions.
SPONSORSHIP
1 + 0
R· Florida
YRS IN OFFICE
3
BILLS LED
40
ACTION TIMELINE
2 EVENTSJAN 22
Introduced in House
JAN 22
Referred to the House Committee on Financial Services.
BILL INFO
TypeHouse Bill
NumberHR 7221
Congress119th
StatusIn Committee
IntroducedJan 22, 2026
Last actionJan 22, 2026
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IN COMMITTEE· 119TH CONGRESS · FINANCIAL SERVICES COMMITTEE · INTRODUCED JAN 22, 2026
House BillHR 7221Finance and Financial Sector
Stopping Wall Street From Competing With Main Street Homebuyers Act
INTRODUCED JAN 22, 2026· LAST ACTION JAN 22, 2026
PASSAGE CHANCES
—%
READING
2 min
COSPONSORS
0
COMPLEXITY
Moderate
