If you've been priced out of buying a home or watch your rent climb every lease renewal, Congress just sent a signal. The Senate voted 85-5 Monday to pass the 21st Century Road to Housing Act — a rare bipartisan mega-bill that pairs housing relief with a ban on the Federal Reserve creating a central bank digital currency through 2030.

• What's proposed: Republican-backed zoning deregulation to speed up new construction, plus Democrat-pushed limits...