Disaster Housing Reform for American Families Act
Housing Survivors of Major Disasters ActThis bill lowers the eligibility criteria for Federal Emergency Management Agency (FEMA) Individuals and Households Program (IHP) housing assistance, including for IHP permanent housing construction, and requires FEMA to consider evidence of constructive ownership of a residence when determining eligibility for IHP home repair or home replacement assistance. Specifically, the bill lowers the level of damage required for certain IHP housing assistance eligibility, so the residence must merely be damaged by a major disaster instead of rendered uninhabitable. Also, under current law, FEMA is authorized to provide assistance for permanent housing construction where (1) no alternative housing resources are available; and (2) other types of temporary housing assistance are unavailable, infeasible, or not cost-effective. The bill authorizes IHP permanent housing construction where FEMA determines such assistance is a cost-effective alternative to other housing solutions, including temporary housing costs.Additionally, the bill requires FEMA to consider an individual or household’s claim of constructive (i.e., implied) ownership, where evidence supports its existence is more likely than not, when determining eligibility for IHP financial assistance for home repair or replacement for a residence without documented ownership rights. FEMA must consider all evidence provided when determining whether constructive ownership more likely than not exists, and the bill lists examples of evidence. If FEMA determines the evidence is insufficient, FEMA may require a signed declarative statement describing the constructive ownership. FEMA may not require notarization of the statement.
Promoting Resilient Buildings Act
Restoring Access to Mountain Homes Act
Support Neighborhoods Offset Winter Damage Act of 2025 or the SNOW Act of 2025This bill authorizes Federal Emergency Management Agency (FEMA) grant funding for winter storm hazard mitigation and requires FEMA rulemaking to expand assistance for winter storms. It also increases the federal cost share for various FEMA grants, for any hazard type, in rural or disadvantaged areas.The bill specifically authorizes the use of grant funding under the Hazard Mitigation Grant Program (HMGP) and Building Resilient Infrastructure and Communities program to reduce the risk of future damage in areas affected by winter storms, such as by acquiring snow removal equipment. Also, under current FEMA policy, in determining eligibility and recommending a presidential major disaster declaration for a snowstorm, FEMA’s considerations include whether data shows record (or near record) snowfall and whether estimated statewide costs meet applicable thresholds. The bill requires FEMA to create regulations waiving these eligibility requirements for a major disaster declaration for a snowstorm in certain circumstances. FEMA must also create regulations to provide certain assistance for winter storms, including for debris removal and specified infrastructure, as well as individual and emergency assistance when the state determines the storm exceeds state and local capacity. In addition, for any hazard type, the bill requires FEMA to increase the federal cost share from 75% to 90% for certain assistance provided in rural or disadvantaged areas. It also authorizes an increased HMGP federal cost share amount from 75% to 90% for assistance in rural or disadvantaged areas.
Graduate Opportunity and Affordable Loans ActThis bill limits federal student loan borrowing for graduate and professional students.Specifically, the bill terminates the ability of a graduate or professional student to receive a Direct PLUS Loan. Institutions of higher education (IHEs) must notify their prospective and enrolled graduate and professional students that Direct PLUS Loans terminate on June 30, 2025.Additionally, the bill establishes the aggregate loan limit for Direct Unsubsidized Loans as $65,000 for a graduate student (in addition to the amount borrowed for undergraduate education) and $130,000 for a professional student (in addition to the amount borrowed for undergraduate education).The bill allows IHEs to set lower loan limits.
Disaster Assistance Simplification Act
REPLACE Act Replacing Essential Passports and Licenses After Certain Emergencies Act