119-HR-5878 DC Insider Procedural Viability Check

H.R. 5878 — HOME Reform Act of 2025: procedural snapshot and score

Context: Republicans control the White House, House, and Senate; Senate Banking is chaired by Tim Scott, and the House Financial Services (HFS) gavel sits with French Hill. The bill was introduced Oct 31, 2025 and sent to HFS; status: Introduced, 1 cosponsor. Composite viability score: 3/5. [7]U.S. Senate — U.S. Senate Party Division — 119th Congress[8]U.S. Senate Committee — Senate Banking, Housing, and Urban Affairs — Leadership…[3]U.S. House (Minority Site) — House Financial Services Committee membership (119…[1]Library of Congress — H.R.5878 — 119th Congress (2025–2026) | Congress.gov

• Chamber control and gatekeepers: GOP House (Speaker Mike Johnson), GOP Senate (53 R); Senate Majority Leader is John Thune; Senate Banking Chair Tim Scott; HFS Chair French Hill. [9]Associated Press — 119th Congress: Mike Johnson narrowly re‑elected Speaker | A…[7]U.S. Senate — U.S. Senate Party Division — 119th Congress[10]Wikipedia — 119th United States Congress — leadership summary | Wikipedia[8]U.S. Senate Committee — Senate Banking, Housing, and Urban Affairs — Leadership…[3]U.S. House (Minority Site) — House Financial Services Committee membership (119…
• Vehicle reality: stand‑alone authorizing bill; best chance is to hitch to a must‑pass THUD/omnibus or to the Senate’s bipartisan housing package emerging from Banking. [11]Library of Congress — Appropriations Status Table: FY2026 | Congress.gov[6]Washington Post — How Tim Scott and Elizabeth Warren agreed on a sweeping housi…
• Calendar reality: government shutdown since Oct 1 is consuming floor time; NDAA is in conference after a 77–20 Senate passage, further crowding the lane. [4]Reuters — Federal shutdown could cost US economy up to $14 billion | Reuters[5]Library of Congress — S.2296 FY2026 NDAA — Senate actions | Congress.gov[12]U.S. Senate (Member site) — Graham on Senate passage of FY26 NDAA | Sen. Lindse…
• House committee dynamics favor movement (sponsor chairs Housing & Insurance Subcommittee; bipartisan lead with Cleaver). Senate will demand trims on NEPA/BABA/Section 3 language. [2]Independent Community Bankers of America — House Financial Services names subco…[3]U.S. House (Minority Site) — House Financial Services Committee membership (119…

Rubric evaluation

Scores reflect power, procedure, and calendar in the 119th Congress.

• Chamber of Origin — Score: 3/5. House GOP bill with bipartisan lead (Flood–Cleaver). Good HFS posture; Senate interest exists via a bipartisan housing push, but no identified Senate companion to this text. [1]Library of Congress — H.R.5878 — 119th Congress (2025–2026) | Congress.gov[6]Washington Post — How Tim Scott and Elizabeth Warren agreed on a sweeping housi…
• Vehicle Type — Score: 3/5. As a stand‑alone authorizing bill, it’s a tough lift; as a rider to THUD/omnibus, prospects improve, especially post‑shutdown. [11]Library of Congress — Appropriations Status Table: FY2026 | Congress.gov
• Senate Threshold — Score: 2/5. Not reconciliation‑eligible; needs 60 for cloture if stand‑alone. Bipartisan Senate housing work helps, but not enough absent packaging. [6]Washington Post — How Tim Scott and Elizabeth Warren agreed on a sweeping housi…
• Committee Path — Score: 4/5. Sponsor (Flood) chairs HFS Housing & Insurance; full committee chaired by French Hill; Dem cosponsor Cleaver sits on HFS. Senate Banking is active on housing; Chair Scott, RM Warren. [2]Independent Community Bankers of America — House Financial Services names subco…[3]U.S. House (Minority Site) — House Financial Services Committee membership (119…[8]U.S. Senate Committee — Senate Banking, Housing, and Urban Affairs — Leadership…
• Must‑Pass Potential — Score: 3/5. THUD reported in both chambers but not enacted; viable as part of a post‑shutdown minibus/omnibus or as pieces dropped into the Senate package. [11]Library of Congress — Appropriations Status Table: FY2026 | Congress.gov[6]Washington Post — How Tim Scott and Elizabeth Warren agreed on a sweeping housi…
• Budget Scorekeeping — Score: 3/5. No CBO score posted; largely authorizing/streamlining changes to a discretionary block grant, so limited direct budget effects likely. [1]Library of Congress — H.R.5878 — 119th Congress (2025–2026) | Congress.gov
• Calendar Math — Score: 2/5. Shutdown has stalled the agenda; NDAA conference and year‑end collisions crowd out oxygen, pushing realistic action into a reopening deal or early 2026. [4]Reuters — Federal shutdown could cost US economy up to $14 billion | Reuters[5]Library of Congress — S.2296 FY2026 NDAA — Senate actions | Congress.gov

Power dynamics and leverage points

Where the juice is — and isn’t.

• House: HFS is well‑positioned to mark up given the chair/subchair alignment; leadership will prefer to bank language as a rider rather than burn floor days. [3]U.S. House (Minority Site) — House Financial Services Committee membership (119…
• Senate: Banking’s bipartisan housing framework is the natural docking station; expect pushback on statutory NEPA categorical exemptions and BABA/Section 3 carve‑outs unless narrowed or sunsetted. [6]Washington Post — How Tim Scott and Elizabeth Warren agreed on a sweeping housi…
• Negotiation signal: an earlier Flood vehicle (H.R. 5798) would have fully exempted HOME from BABA; stakeholders flagged that. The current effort (H.R. 5878) proceeds with a slimmer construct and bipartisan cover—suggesting active calibration toward what the Senate can swallow. [13]Library of Congress — H.R.5798 — HOME Reform Act of 2025 (text) | Congress.gov[14]National Council of State Housing Agencies — Flood, Cleaver Introduce HOME Refo…[1]Library of Congress — H.R.5878 — 119th Congress (2025–2026) | Congress.gov

Procedural forecast (near term)

Most likely path over the next 6–10 weeks.

1. House HFS discussion draft → Subcommittee/Full Committee markups to create a packageable title for THUD or a shutdown‑ending omnibus. [3]U.S. House (Minority Site) — House Financial Services Committee membership (119…[11]Library of Congress — Appropriations Status Table: FY2026 | Congress.gov
2. Parallel Senate Banking negotiations to slot agreeable pieces into the bipartisan housing package; any NEPA/BABA/Section 3 changes likely narrowed, limited to small projects, or accompanied by oversight language. [6]Washington Post — How Tim Scott and Elizabeth Warren agreed on a sweeping housi…
3. If a December NDAA/appropriations logjam persists, expect deferral into early 2026, with revived momentum once a funding deal frees floor time. [4]Reuters — Federal shutdown could cost US economy up to $14 billion | Reuters

Bill facts and status

What’s officially on the board.

Bill number / title

H.R. 5878 — HOME Reform Act of 2025

Sponsor(s)

Rep. Mike Flood [R‑NE] (lead); Rep. Emanuel Cleaver [D‑MO] (original cosponsor) [1]Library of Congress — H.R.5878 — 119th Congress (2025–2026) | Congress.gov

Committee of referral

House Financial Services (HFS) [1]Library of Congress — H.R.5878 — 119th Congress (2025–2026) | Congress.gov

Latest action

Referred to HFS (10/31/2025) [1]Library of Congress — H.R.5878 — 119th Congress (2025–2026) | Congress.gov

Companion

None listed as of Nov 4, 2025 [1]Library of Congress — H.R.5878 — 119th Congress (2025–2026) | Congress.gov

CBO score

No estimate posted [1]Library of Congress — H.R.5878 — 119th Congress (2025–2026) | Congress.gov

• Appropriations context: FY26 THUD reported by both committees; not enacted; CR failures led to an Oct 1 shutdown that remains unresolved as of early November. [11]Library of Congress — Appropriations Status Table: FY2026 | Congress.gov[15]The Guardian — US government shuts down after Senate fails to advance funding b…
• Other must‑pass competing for floor: FY26 NDAA passed Senate 77–20; in conference with House. [5]Library of Congress — S.2296 FY2026 NDAA — Senate actions | Congress.gov[12]U.S. Senate (Member site) — Graham on Senate passage of FY26 NDAA | Sen. Lindse…