This bill requires the Department of Housing and Urban Development (HUD) to identify and analyze significant regulatory barriers to affordable housing in its annual reports to Congress. Specifically, it amends HUD's reporting requirements to include a discussion of what regulations, policies, or rules are making it harder to build and maintain affordable housing, along with potential solutions to reduce or eliminate those barriers. The legislation affects HUD and indirectly impacts housing developers, local governments, and individuals struggling to find affordable homes. There is no new funding or specific timeline mentioned in the bill—it simply mandates that HUD add this analysis to reports it already produces annually. This transparency measure aims to give Congress and the public better visibility into which regulatory obstacles are most significantly hampering affordable housing development.