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H.R. 5105

BillFederalHouseIn Committee
UNLOCK Act
About This Bill
Committee
Latest Action · September 3, 2025
Referred to the House Committee on Financial Services.
Congress
119th (2025–2027)
Introduced
September 3, 2025
Cosponsors (13)
6D 7R
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Summary

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The UNLOCK Act amends federal housing law to expand funding eligibility for new residential housing construction. Specifically, it allows metropolitan cities, urban counties, states, local governments, and tribal entities that receive certain federal housing funds to use those dollars for constructing new homes for low- and moderate-income residents, either independently or in partnership with nonprofit organizations. The bill essentially broadens what communities can spend their existing federal housing assistance on by adding new home construction as an eligible use. The legislation affects local governments and tribal nations receiving federal housing grants under the Housing and Community Development Act, as well as low- and moderate-income households seeking affordable housing. No new funding amounts or specific timelines are established in the bill text provided; rather, it modifies how already-allocated federal housing funds can be spent.

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