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HR 5105
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UNLOCK Act

To amend the Housing and Community Development Act of 1974 to expand new home construction, and for other purposes.

Introduced Sep 3, 2025

Latest action (Sep 3, 2025) Referred to the House Committee on Financial Services.

Issues
Criminal Justice

Summary

This bill amends the Housing and Community Development Act of 1974 to add construction of new residential housing for low- and moderate-income persons as an allowable use of federal community development funds. Cities, counties, states, local governments, insular areas, and tribal entities that receive these funds may use them for new home construction, either independently or in partnership with nonprofit organizations. The expansion allows for more flexibility in how communities can use federal housing assistance to address housing needs.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)

Money behind the sponsor

Top reported contributors to Sam T. Liccardo’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.

  • STANFORD UNIVERSITY $63,375
  • GOOGLE $61,175
  • COTCHETT, PITRE & MCCARTHY, LLP $41,675
  • BROADCOM INC. $40,000
  • META $37,900

Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Sam T. Liccardo → · Outside spending →

Actions (2)

  1. Sep 3, 2025 Referred to the House Committee on Financial Services. · house
  2. Sep 3, 2025 Introduced in House

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

Text versions (1)

  • Introduced in House · Sep 3, 2025

Only one text version is on file, so there’s no earlier version to compare against yet.

Full text

IN THE HOUSE OF REPRESENTATIVES

September 3, 2025

Mr. Liccardo (for himself, Mr. Flood, Mr. Fields, and Ms. Salazar) introduced the following bill; which was referred to the Committee on Financial Services

A BILL

To amend the Housing and Community Development Act of 1974 to expand new home construction, and for other purposes.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the “Unleashing Needed Local Options to Construct and Keep Housing Act” or the “UNLOCK Act”.

SEC. 2. AMENDMENTS TO THE HOUSING AND COMMUNITY DEVELOPMENT ACT OF 1974.

Section 105(a) of the Housing and Community Development Act of 1974 (42 U.S.C. 5305(a)) is amended—

(1) in paragraph (25)(D), by striking “and” at the end;

(2) in paragraph (26), by striking the period at the end and inserting “; and”; and

(3) by inserting at the end the following:

“(27) in the case of any metropolitan city or urban county, State, unit of general local government, insular area, or tribal entity that receives amounts under section 106, for the construction of new residential housing for low- and moderate-income persons, with or without the assistance from a neighborhood-based nonprofit organization, or other private or public nonprofit organization.”. <all>

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