I have something called the Credit Access and Inclusion Act that allows for more information to be added to the system voluntarily.

the use of objective standards is so critically important, and I see this move across the country that somehow we are going to make the lives, specifically of minorities, better by eliminating objective standards in everything

Accessing credit, accessing the American Dream through home ownership is more realistic based on your creditworthiness.

If you are not including the rent payment, if you are not including beyond credit card payments, the utility payments, the phone bill, the mobile phone bills, there are other ways for us to make sure.

Accessing credit, accessing the American Dream through home ownership is more realistic based on your creditworthiness.

I think we are seeing that in part from the FHFA Director Thompson, who is departing from risk-based pricing on individual loans purchased by the GSEs.

The Economic Innovation Group, the University of California Berkeley, as well as the Treasury Department have shown that the Opportunity Zone investment has been heavily concentrated in our Nation's poorest communities.

I think about the fact that New York City, their housing authority, one of America's largest housing authorities, we see that 1 in 5 public housing residents remain in its programs for more than 40 years.

I am grateful to recognize Martha Ruthven for her service for the Second Congressional District of South Carolina. Martha has been an invaluable team member for nearly 9 years, dedicated to constituent service. Moving from North Carolina…

Despite this extra spending or perhaps because of it, housing costs have certainly skyrocketed since 2020.

I think about the fact that New York City, their housing authority, one of America's largest housing authorities, we see that 1 in 5 public housing residents remain in its programs for more than 40 years.

Thank you very much, and thank you for joining the fentanyl bill that we all should focus on as it relates to stopping fentanyl from killing 70,000 more Americans, as we see our southern border unsafe, unsecure, and wide open.

Despite this extra spending or perhaps because of it, housing costs have certainly skyrocketed since 2020.

The Economic Innovation Group, the University of California Berkeley, as well as the Treasury Department have shown that the Opportunity Zone investment has been heavily concentrated in our Nation's poorest communities.

Inflation, yes, under the Biden administration.

Inflation, yes, under the Biden administration.

his ROAD to Housing Act is a great framework to offer, you know, ideas that are going to move this conversation forward on housing.

Thank you very much, and thank you for joining the fentanyl bill that we all should focus on as it relates to stopping fentanyl from killing 70,000 more Americans, as we see our southern border unsafe, unsecure, and wide open.