Congress·In Committee·H.R. 7221

Congress Proposes Ban on Large Investment Firms Buying Single-Family Homes to Help Individual Buyers

Stopping Wall Street From Competing With Main Street Homebuyers Act

Legislative Progress

House

Senate

President

Law

This bill would stop large investment companies and hedge funds from buying single-family houses and mobile homes. The goal is to reduce competition for regular people and families trying to buy a home.
The rules apply to 'covered funds,' which are big financial groups that manage more than $500 million in assets or already own more than 100 homes. These companies would be banned from buying any new houses starting 90 days after the bill passes.
Companies that already own houses would be forced to sell them all over a 10-year period. They would have to sell at least 10% of their housing stock every year until they no longer own any single-family units.
By stopping Wall Street from outbidding families and forcing them to sell current holdings, the bill aims to lower housing prices and increase the number of homes available for individual buyers.
While this could help first-time homebuyers, it may also lead to fewer rental options for people who cannot afford to buy, as many of these corporate-owned homes are currently used as rentals.

HousingEconomy Finance

Who is affectedScoreImpactCertaintyScopeDurationSentiment

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

StateScoreImpactCertaintyScopeDurationSentiment

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

2 milestones2 actions

Jan 22, 2026House

Referred to the House Committee on Financial Services.

Jan 22, 2026

Introduced in House

news_articleCenter

Trump's Housing Market Investor Ban Hits a Wall in Congress

Document Type

Congressional Bill

Official Title

Stopping Wall Street From Competing With Main Street Homebuyers Act

Bill NumberHR 7221

Congress119th Congress

ChamberHouse of Representatives

Latest ActionReferred to the House Committee on Financial Services.

Congress.gov

Official legislative information

Analysis generated by AI. Always verify with official sources.