Home Accessibility Improvements Inclusion Act
- Sponsor
- Rep. Lawler, Michael [R-NY-17]
- Committees
- Financial Services Committee (primary)
- Last action
- Sep 24, 2026
Bottom line
The bill aims to make it easier for homeowners, particularly seniors and individuals with disabilities, to finance essential home accessibility modifications through FHA-insured mortgages, promoting independent living and aging-in-place.
What it actually does
This bill amends the National Housing Act to explicitly include accessibility improvements as eligible for the Federal Housing Administration's (FHA) Section 203(k) Rehabilitation Mortgage Insurance Program. It also mandates the Department of Housing and Urban Development (HUD) to update guidance, establish training for professionals, and report to Congress on the program's utilization for these improvements.
Proponents argue
Supporters argue that this legislation will significantly assist homeowners in affording necessary modifications like zero-step entrances and wider doorways, enabling them to live safely and independently in their homes for longer. They contend it leverages an existing, effective program to address a growing societal need without creating new bureaucratic structures.
Opponents contend
Critics might express concerns that expanding the scope of FHA-insured mortgages, even for beneficial purposes, could introduce new risks to the federal housing fund if not properly managed. Some may also question the administrative burden on HUD and the mortgage industry to implement new guidance and training, though strong opposition is unlikely given the bill's clear intent.
The bill is very short and clearly written, allowing for quick and complete comprehension of its provisions by any interested reader.
Section 2(a)
Expanding Rehabilitation Mortgage Insurance for Accessibility
This section amends the National Housing Act to explicitly state that the FHA's Section 203(k) Rehabilitation Mortgage Insurance Program can be used for 'accessibility improvements.' It provides examples such as zero-step entrances, wider doorways, lever handles, accessible main-level bathrooms, and reinforced walls for grab bars, and references recognized accessibility standards like the ICC A117.1 Standard.
Supporters argue
Supporters contend that explicitly including accessibility improvements removes any ambiguity, encouraging lenders to offer FHA 203(k) loans for these critical modifications. This will enable more people to improve their quality of life and remain in their homes, aligning with public health and social welfare goals.
Critics contend
No specific opposition is typically raised against explicitly defining eligible improvements within an existing program, especially when they address a clear societal need. Any potential concerns would likely revolve around the administrative burden or the specific standards chosen, rather than the core intent.
Tradeoffs
The primary tension involves balancing the desire to expand access to financing for accessibility with ensuring the financial soundness and integrity of the FHA program, particularly regarding the accurate valuation of specialized improvements.
Section 2(b)
Guidance, Training, and Reporting Requirements for HUD
This section mandates the Secretary of Housing and Urban Development (HUD) to take three specific actions within one year of the bill's enactment: update existing guidance for the Rehabilitation Mortgage Insurance Program to reflect the new accessibility inclusions, establish training programs for consultants and appraisers on how to appropriately value these improvements, and submit a report to Congress detailing the utilization of the program for accessibility improvements.