The United States is in a full-blown housing crisis — and Congress just passed the most significant bipartisan housing legislation in a generation: The 21st Century ROAD to Housing Act cleared the Senate 89-10, co-sponsored by Elizabeth Warren and Tim Scott. So why won’t it fix the problem? In this episode, we break down exactly what the bill does, what it deliberately leaves out, and why the structural forces driving housing unaffordability in America—rising mortgage rates, institutional investors, zoning failures, generational wealth inequality, and decades of racial exclusion—are largely untouched by any legislation currently on the table. From the redlining of Levittown and Stuyvesant Town to the 2008 financial crisis and the asset inflation chasm it created, we trace how homeownership became both the engine of the American Dream and the mechanism of its denial. We also look at what actually works, like how Vienna’s social housing model has kept half a city affordably housed for over a century, and ask the question no one in Washington wants to answer: short of a depression, what does it actually take to make housing affordable again? Resources National Mortgage Professional: What’s The Rookie Home Buying Age? Not 40, New Analysis Shows HUD: The 2024 Annual Homelessness Assessment Report (AHAR) to Congress National Low Income Housing Coalition Harvard Joint Center for Housing Studies: The State of the Nation's Housing 2025 Congress: H.R.6644 - 119th Congress (2025-2026): 21st Century ROAD to Housing Act The White House: Stopping Wall Street from Competing with Main Street Homebuyers U.S. Census Bureau: Housing Vacancies and Homeownership (HVS) Q4 2025 Enterprise Community Partners: Four Key Findings from the 2025 State of the Nation's Housing Report National Low Income Housing Coalition: The Gap: A Shortage of Affordable Homes 2025 U.S. Department of Housing and Urban Development: FHA Loan Production Report June 2025 Bipartisan Policy Center: What's in the 21st Century ROAD to Housing Act NPR: Senate Passes Bipartisan Housing Bill Targeting Large Investors National Mortgage Professional: What's the Rookie Home Buying Age? Not 40, New Analysis Shows National Association of Realtors: 2024 Profile of Home Buyers and Sellers Gravel Institute: How Socialists Solved the Housing Crisis Book Love Richard Rothstein: The Color of Law: A Forgotten History of How Our Government Segregated America Mehrsa Baradaran: The Color of Money: Black Banks and the Racial Wealth Gap UNFTR Resources Episode: The Economics of Racism. Video: The Economics of Racism. Episode: Housing in America. Video: Congress Just Passed a Housing Bill That Changes Nothing. -- If you like #UNFTR, please leave us a rating and review on Apple Podcasts and Spotify: unftr.com/rate and follow us on Facebook, Bluesky, and Instagram at @UNFTRpod. Visit us online at unftr.com. Become a member at unftr.com/memberships. Buy yourself some Unf*cking Coffee at shop.unftr.com. Visit our bookshop.org page at bookshop.org/shop/UNFTRpod to find the full UNFTR book list, and find book recommendations from our Unf*ckers at bookshop.org/lists/unf-cker-book-recommendations. Access the UNFTR Musicless feed by following the instructions at unftr.com/accessibility.Support the show: https://www.unftr.com/membershipsSee omnystudio.com/listener for privacy information.