The 21st Century ROAD to Housing Act aims to increase housing supply and affordability across the United States. It introduces various grants, pilot programs, and regulatory reforms for housing counseling, manufactured and modular housing, and zoning frameworks. The bill also establishes programs for home repairs, disaster recovery assistance, and veteran housing support. Additionally, it places restrictions on purchases of single-family homes by large institutional investors and prohibits the Federal Reserve from issuing a central bank digital currency. Finally, the legislation includes provisions regarding community bank deposits, appraisal standards, and congressional oversight.