Congress·In Committee·H.R. 5387

Saving the American Dream Act

Housing Policy: Interagency Coordination and Reporting

Oct 1, 2025·View on Congress.gov·Read full text

Next up: A house committeeNo action in 9 months

This bill is currently in the early stages of the legislative process and is being reviewed by a subcommittee. It was recently sent to the House Committee on Financial Services and the Committee on Veterans Affairs for further study. The bill is actively moving through the system as it waits for these groups to finish their initial work.

Legislative Progress

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Senate

President

Law

Could go either way

The bill has broad bipartisan support and focuses on coordination rather than controversial spending, but many bills still fail to move past the committee stage.

Key Points

This bill requires five major government agencies to work together on housing issues. These include the departments of Housing and Urban Development, Agriculture, Veterans Affairs, Treasury, and the Federal Housing Finance Agency.
The agencies must sign an agreement within one year to share research and market data. This is intended to help the government make better decisions about housing based on facts and evidence.
The group must write a report for Congress with ideas on how to lower the costs of getting a mortgage. They will look for ways to make the rules for different loan programs more similar to save homebuyers money.
The report will also cover ways to build more homes and lower construction costs. It will look at local rules that make it hard to build and ways to make insurance more affordable and available.
Finally, the agencies will suggest ways to help people with down payments and make sure housing is better protected from natural disasters.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.

Milestones

3 milestones3 actions

Oct 1, 2025House

Referred to the Subcommittee on Economic Opportunity.

Sent to a congressional committee for expert review. The committee decides whether this bill moves forward.

Sep 16, 2025House

Referred to the Committee on Financial Services, and in addition to the Committee on Veterans' Affairs, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

Sent to a congressional committee for expert review. The committee decides whether this bill moves forward.

Sep 16, 2025

Introduced in House

The bill was officially filed and given a number. It now enters the legislative queue.

No votes, news coverage, or related bills recorded for this bill yet.