The UNLOCK Housing Act aims to amend the Housing and Community Development Act of 1974, specifically by expanding the permissible uses of federal housing funds. Its core purpose is to facilitate new home construction for low- and moderate-income persons across various jurisdictions. The bill modifies Section 105(a) of the Act, which governs eligible activities for Community Development Block Grant (CDBG) funds. It adds a new provision that explicitly allows recipients, including metropolitan cities, states, and Indian tribes, to utilize their CDBG allocations for the direct construction of new residential housing . This provision seeks to increase the supply of affordable housing by enabling a broader application of these federal grants.