The "21st Century ROAD to Housing Act" aims to reform housing and homeownership by boosting supply, enhancing access to affordable housing, and facilitating small-dollar mortgages. Noteworthy provisions include reforms to housing counseling, point-access block residential buildings, and strengthening community banks' role in housing. It also targets veterans' housing, digital currency, and program reform. The bill also focuses on whole-home repair programs, updating standards for manufactured homes, and expediting environmental reviews for housing projects, with a focus on affordable housing. It also sets up pilot programs for home repairs, modular housing, and converting abandoned buildings to housing. Additionally, the bill amends various acts, impacting housing, homelessness assistance, and financial regulations.