II 118th CONGRESS 2d Session S. 3905 IN THE SENATE OF THE UNITED STATES March 11, 2024 Mr. Reed (for himself and Ms. Lummis ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To amend title I of the National Housing Act to increase the loan limits and clarify that property improvement loans may be used for construction of accessory dwelling units.