The Housing Tariff Exclusion Act addresses the nation's severe housing affordability crisis by creating a process to exempt home construction materials from tariffs, which currently add billions to building costs. The bill directs the Secretary of Commerce to establish a streamlined system allowing U.S. builders and construction associations to request tariff exclusions on critical homebuilding products or materials with insufficient domestic supply, with decisions required within 15 to 60 days depending on request type. The law covers key construction materials including lumber, plywood, engineered wood products, and flat glass, and allows companies to seek refunds on tariffs already paid if exclusions are granted retroactively, up to 180 days after approval. Results of all exclusion requests must be published online and reported to Congress quarterly. The tariff exclusion authority expires on October 1, 2029, though any previously granted exclusions remain in effect beyond that date.