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H.R. 7221

BillFederalHouseIn Committee
Stopping Wall Street From Competing With Main Street Homebuyers Act
About This Bill
Committee
Latest Action · January 22, 2026
Referred to the House Committee on Financial Services.
Congress
119th (2025–2027)
Introduced
January 22, 2026
Cosponsors (0)
None
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Summary

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This bill prevents large investment firms and Wall Street funds from buying single-family homes, aiming to reduce corporate competition with everyday homebuyers. The law applies to investment companies, real estate investment trusts, and private funds with more than $500 million in assets, as well as any fund that owns 100 or more single-family homes or purchases more than five homes within a 30-day period. Large funds would be prohibited from purchasing new single-family homes starting 90 days after the law takes effect, and those currently holding such properties would have 10 years to sell them, divesting at least 10 percent annually. The legislation contains no specific federal funding requirements, as it primarily restricts investment activity rather than creating new government programs. The bill targets the growing trend of institutional investors purchasing residential properties, which advocates argue has driven up home prices and reduced housing availability for traditional homebuyers.

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