The Housing Oversight and Mitigating Exploitation Act of 2025, known as the HOME Act of 2025, aims to protect consumers from exorbitant housing costs during crises by preventing price gouging in the rental and home-buying markets. This legislation is designed to ensure that landlords and sellers do not exploit vulnerable consumers by charging excessively high prices when housing conditions worsen. The act includes a prohibition on high rental or sale prices during an affordable housing crisis, as determined by the Secretary of Housing and Urban Development.