American Housing and Economic Mobility Act of 2025

This bill tries to make housing more affordable and available by giving grants to state, local, and tribal governments to remove barriers to building affordable housing, help people who owe more than their homes are worth, support affordable rental housing, and assist lower-income, first-time homebuyers in purchasing a home. It also requires financial regulators to check how well banks and other financial institutions are serving the lending needs of their communities, especially people who are underserved. The bill expands fair housing protections so that people cannot be discriminated against based on things like sexual orientation, gender identity, marital status, source of income, or veteran status. Finally, it makes changes to the estate tax — the tax on wealth passed down after someone dies — by increasing tax rates, reducing how much can be passed on tax-free, and adding extra taxes on high-income estates and trusts.

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