Housing Policy: The new 21st Century ROAD to Housing Act became law July 11, aiming to boost housing supply and cut regulatory barriers, but experts say any affordability impact in South Florida will hinge on local implementation and whether Congress funds new programs. Foreclosures: ATTOM reports 227,548 U.S. properties filed for foreclosure in the first half of 2026, up 21% year over year; Florida also leads by foreclosure filing rate (0.27% of housing units). Local Housing Development: St. Petersburg launched “Yes in God’s Backyard,” a program that helps religious property owners pursue affordable housing with faster permitting support via the Florida Housing Coalition. HOA Pressure: A Jacksonville influencer says an HOA is trying to evict her from her late father’s 55+ home, with neighbors facing a proposed $155,000 legal bill. Storm Readiness: A low-pressure system off Florida’s Gulf coast is expected to bring heavy rain this weekend into next week, underscoring ongoing hurricane-season preparedness. Data Centers & Land Use: Opponents plan protests Saturday in at least 125 locations nationwide against rapid data center expansion, citing power costs, water diversion, and pollution concerns. Insurance Costs: A federal change for Fannie Mae/Freddie Mac-backed loans will allow actual cash value roof coverage instead of replacement cost value, potentially lowering premiums but shifting tradeoffs for homeowners after hail.