UNLOCK Housing Act

The UNLOCK Housing Act (S 3169) updates federal housing law to expand eligibility for existing funding. It allows metropolitan cities, counties, states, local governments, insular areas, and tribes receiving Section 106 housing funds to build new residential housing for low- and moderate-income people. This change applies directly to jurisdictions already managing federal housing assistance programs. The bill adds this specific housing type as an approved use of funds, without requiring nonprofit partnerships, making it easier to develop affordable housing options.