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H.R.10103 / 119th Congress

Stable Homes Act

Referred to the House Committee on Financial Services.

Official summary

No official summary is available in the imported record yet.

Who introduced it

Rep. Scanlon, Mary Gay [D-PA-5] · D–PA

Committees

  • Financial Services Committee
7 cosponsorship records, including any withdrawals

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

  1. Referred to the House Committee on Financial Services.

  2. Introduced in House

  3. Introduced in House

Bill text & related measures

Text links open the official source. We also preserved the text version used in the PlainBill explanation below.

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Oct 6, 2026. Consult Congress.gov for the current record.

Explore the bill from different angles

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Neutral evidence review

Objective

Analyze H.R.10103 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Fairness and public impact

Progressive lens

Examine H.R.10103 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

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Institutions and government scope

Conservative lens

Examine H.R.10103 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

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Individual rights and government power

Liberty lens

Examine H.R.10103 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

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Read the proposal in plain language

AI-generated · Source-checked by AI · Oct 22, 2026

Based on the full Introduced in House · 2026-08-13 text. This explanation has not received human editorial review. This overview describes the proposal’s major provisions; it does not establish what its real-world effects would be.

What it would do

The bill would create a pilot grant program for local governments to help landlords and tenants resolve disputes before an eviction case is filed, and authorize funding subject to appropriations. If a tenant chose to participate, both sides would have to take part in good faith for at least 30 days before formal eviction proceedings. Programs would include rental assistance or connections to it, mediation, and housing counselors. An exception would apply to evictions needed to prevent an imminent threat of physical harm.

Check the sources
the Secretary of Housing and Urban Development (hereafter referred to as the Secretary) shall establish a pilot program to provide grants to eligible entities to fund the establishment or expansion of pre-filing eviction diversion programs.
Official bill text · Introduced in House · 2026-08-13
To be eligible for a grant under this section, an entity shall be a unit of general local government.
Official bill text · Introduced in House · 2026-08-13
There is authorized to be appropriated to the Secretary to carry out this section $300,000,000 for each of fiscal years 2026 through 2030.
Official bill text · Introduced in House · 2026-08-13
A requirement that if the tenant chooses to participate in the eviction diversion program, that landlords and tenants participate in the program, in good faith, for a minimum of 30 days before the landlord initiates any formal eviction proceedings.
Official bill text · Introduced in House · 2026-08-13
Dispute resolution procedures between the landlord and tenant with respect to a potential eviction, including— (A) direct rental assistance or the connection to rental assistance; (B) mediation services; (C) assigning a housing counselor to the tenant;
Official bill text · Introduced in House · 2026-08-13
An exception to participation in the program for evictions necessary to prevent an imminent threat of physical harm.
Official bill text · Introduced in House · 2026-08-13

How it would work

The Secretary of Housing and Urban Development would have to establish the pilot within one year after enactment. Only units of general local government would be eligible for grants, which they would have to use to establish or expand eviction diversion programs.

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Not later than 1 year after the date of the enactment of this section, the Secretary of Housing and Urban Development (hereafter referred to as the Secretary) shall establish a pilot program to provide grants to eligible entities to fund the establishment or expansion of pre-filing eviction diversion programs.
Official bill text · Introduced in House · 2026-08-13
(b) Eligibility To be eligible for a grant under this section, an entity shall be a unit of general local government. (c) Use of funds An eligible entity that is awarded a grant under this section shall use such grant amounts to establish or expand an eviction diversion program.
Official bill text · Introduced in House · 2026-08-13

For residential rental housing covered by these programs, landlords would have to give tenants written notice of their participation rights and how to exercise them, both by hand delivery and by mail with proof of mailing. The notice would explain that participation does not waive legal rights, including trial before a judge and jury if the dispute remains unresolved.

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the term eviction diversion program means a program that includes the following attributes with respect to residential rental housing within the jurisdiction of the unit of general local government:
Official bill text · Introduced in House · 2026-08-13
A requirement that landlords notify tenants in writing, by hand delivery and by mail with proof of mailing, of the tenant’s right to engage in an eviction diversion program and how to exercise such rights. The notice shall explain that opting to participate in an eviction diversion program does not waive any of the tenant’s legal rights, including the right to go to trial before a judge and jury if the diversion program is unsuccessful in resolving the dispute.
Official bill text · Introduced in House · 2026-08-13

A tenant's choice to participate would require both the landlord and tenant to participate in good faith for at least 30 days before the landlord starts formal eviction proceedings.

Check the source
A requirement that if the tenant chooses to participate in the eviction diversion program, that landlords and tenants participate in the program, in good faith, for a minimum of 30 days before the landlord initiates any formal eviction proceedings.
Official bill text · Introduced in House · 2026-08-13

Programs would have to include direct rental assistance or connections to rental assistance, mediation services, a housing counselor assigned to the tenant, and other assistance to help resolve the dispute.

Check the source
Dispute resolution procedures between the landlord and tenant with respect to a potential eviction, including— (A) direct rental assistance or the connection to rental assistance; (B) mediation services; (C) assigning a housing counselor to the tenant; and (D) any other assistance to facilitate dispute resolution between the landlord and tenant.
Official bill text · Introduced in House · 2026-08-13

Programs would have to exempt evictions necessary to prevent an imminent threat of physical harm from the participation requirement.

Check the source
An exception to participation in the program for evictions necessary to prevent an imminent threat of physical harm.
Official bill text · Introduced in House · 2026-08-13

If a landlord failed to comply with a program requirement, the tenant would be able to raise that failure as a defense in a related eviction court case. The text does not make that defense an automatic guarantee against eviction.

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In the case that the landlord does not comply with any requirement of the program, the ability of the tenant to assert such noncompliance as a defense in any related eviction court proceeding.
Official bill text · Introduced in House · 2026-08-13

When a landlord had a lawyer, a tenant with income at or below 200 percent of the federal poverty line would have a right to a lawyer at no cost before the diversion process could occur.

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In the case that the landlord is represented by legal counsel, the tenant has a right to counsel at no cost if their income is equal to or less than 200 percent of the Federal poverty line before the diversion process can occur.
Official bill text · Introduced in House · 2026-08-13

The Secretary could provide technical assistance to grant recipients, including model landlord notice forms intended to make notices accessible to tenants. This assistance would be permitted, rather than required.

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The Secretary may provide technical assistance to eligible entities that are awarded a grant under this section, including by issuing model forms to standardize a landlord notice to a tenant with respect to a tenant’s right to engage in an eviction diversion program to ensure accessibility by tenants.
Official bill text · Introduced in House · 2026-08-13

Grant recipients would have to report to the Secretary within one year after enactment and annually until the pilot ends. Reports would cover case counts, average cost per case, landlord types, percentages of landlords and tenants represented by counsel, and aggregated tenant demographic data on income range, age, race and ethnicity, and urban, suburban, and rural residence. The Secretary could require additional information.

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Not later than 1 year after the date of the enactment of this section, and annually thereafter until the date described in subsection (f), an eligible entity that is awarded grant under this section shall submit to the Secretary a report that includes— (A) the number of eviction diversion program cases filed; (B) the average cost for each case; (C) the types of landlords in each case; (D) the percentage of landlords and tenants represented by legal counsel in each case; (E) the aggregated demographic data of tenants participating in the eviction diversion program, including data on income range, age, racial and ethnic identity, and urban, suburban, and rural residency; and (F) any other information as the Secretary may require.
Official bill text · Introduced in House · 2026-08-13

Within three months after receiving annual reports, the Secretary would have to send a summary to the House Financial Services Committee and the Senate Banking, Housing, and Urban Affairs Committee. The department's Inspector General would have to assess the pilot's implementation and operation at least twice between enactment and termination to ensure fair and legitimate use of the program.

Check the sources
Not later than 3 months after receiving the annual reports under paragraph (1), the Secretary shall submit to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate a report that summarizes such reports.
Official bill text · Introduced in House · 2026-08-13
Not less frequently than twice between the date of the enactment of this section and the termination date described in subsection (f), the Inspector General of the Department of Housing and Urban Development shall complete an assessment of the implementation and operation of the pilot program under this section, to ensure the fair and legitimate use of such program.
Official bill text · Introduced in House · 2026-08-13

The pilot would end on December 31, 2030. The bill would authorize $300 million for each fiscal year from 2026 through 2030; the authorization would not itself appropriate the money.

Check the source
(f) Duration and expiration The pilot program under this section shall terminate on December 31, 2030. (g) Authorization of appropriations There is authorized to be appropriated to the Secretary to carry out this section $300,000,000 for each of fiscal years 2026 through 2030.
Official bill text · Introduced in House · 2026-08-13

What the record shows

The supplied official-actions snapshot, updated October 6, 2026, records introduction in the House and referral to the House Committee on Financial Services on August 13, 2026.

Check the source
Source snapshot updated 2026-10-06T08:05:34Z. 2026-08-13: Referred to the House Committee on Financial Services. 2026-08-13: Introduced in House
Official legislative record · 2026-10-06T08:05:34Z

Riders & Targeted Benefits

Reviewed version: Introduced in House · 2026-08-13. These findings describe provisions and who may benefit; they are not judgments of waste, corruption, or motive.

This review covers the supplied bill text. “None identified” does not rule out provisions in later versions or accompanying reports and disclosures.

Riders

Provisions outside the bill’s main subject, or policy changes attached to appropriations.

None identified in the reviewed text

No unrelated provision or policy rider was identified after reviewing the complete supplied introduced text. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials.

Earmarks

Spending directed to particular recipients or places outside ordinary competitive or formula-based allocation.

None identified in the reviewed text

No earmark was identified after reviewing the complete supplied introduced text. This conclusion is limited to that version; it does not establish formal earmark status or absence in other versions or accompanying materials.

Other targeted benefits

Narrow exceptions, exemptions, or preferential treatment that warrant a closer look.

None identified in the reviewed text

No materially narrow preferential carve-out was identified after reviewing the complete supplied introduced text. Conditional eligibility for assistance to intended program beneficiaries or participant protections does not alone warrant a finding under the supplied definition. This conclusion is limited to that version and does not establish absence in other versions or accompanying materials.

What this analysis cannot establish

  • The supplied full text is the introduced House version. Its provisions are proposals, not evidence of enacted law. The October 6, 2026 actions snapshot does not establish subsequent action or enactment; missing entries do not prove that the bill never advanced or became law.
  • The text does not specify grant award amounts, an allocation formula, or selection criteria among eligible local governments. The source bundle does not establish that funds were appropriated or grants awarded.
  • No member funding requests, earmark disclosures, committee reports, conference materials, or amendment attachment history are supplied. Those omissions limit conclusions about formal earmark status and provisions in other versions.

Full text preserved for this analysis. Legislative record snapshot: Oct 6, 2026. How PlainBill uses AI