Shelter Shorts—The Week in Community Development, April 20
NIMBYs, YIMBYs, PHIMBYs-Oh My! | Can Algorithms Make Equitable Cities? | Retail Segregation Takes a Toll | E.R. Visits and "Tough" Neighborhoods | Enough Innovation Already | More...
The Amazon Opportunity to Revitalize Urban Communities
It's not too late for cities competing to be the next home to Amazon to raise the issue of employer-assisted workforce housing.
Shelter Shorts—The Week in Community Development, April 6
Gentrification Is Bad For One's Health | Housing Teachers-At School | Protecting Space for Local Business | TOD Doesn't Have to Displace | Community Artists Win in Court | More . . .
Data Drives the Movement for Economic Justice
A government report concludes that residents of low- and moderate-income Census tracts have as much access to bank branches as residents in middle- and upper-income tracts in rural areas and large metropolitan areas. Yet access to bank services for low- and moderate-income consumers is still being lost. Why is that?
Ask Yourself: Who Do Anti-Rent Control Policies Serve?
Whenever you hear (or read) anti-rent control arguments, ask the question: who benefits from banning rent control? And who is hurt?
Dear Business School Professors: You’re Wrong, Rent Control Works
A university study on rent control makes three crucial mistakes in its assessment of the policy's effect on San Francisco's housing market. Housing advocacy organization Tenants Together sets the record straight on rent control's role, and who is actually to blame for the city's unaffordability.
CRA “Reform” Under Trump Threatens Communities of Color and the 99 Percent
Banks enjoy consumer and taxpayer-funded privileges, such as deposit insurance, and not too long ago, subsidized trillion-dollar bailouts. It’s not too much to insist that they invest a fair share of those dollars back into all of our communities.
What—and Who—Is a “Nuisance”?
Why are nuisance ordinances proliferating nationwide, and who is disproportionately affected?
The Important Deadline Coming Up for All Governors
States have a deadline to submit their Opportunity Zones nominations. What factors will be weighed in the decision process, and what will federal designation mean to distressed neighborhoods?
Could Gentrification Be Changing D.C. Schools for the Better?
While gentrification's benefits and drawbacks have been discussed at length, one aspect has been largely overlooked: its effect on neighborhood schools.
The Big Red Herring: The Home Mortgage Disclosure Act (HMDA) Will Help Predators Identify...
HMDA is the key to preventing predatory behavior, not the cause of it, so how can an economics professor from George Washington University claim that HMDA can facilitate large-scale identity theft?
Reshaping Housing Policy with a Health Lens
In Georgia, public health practitioners used a Health Impact Assessment to suggest changes to the allocation plan for Low-Income Housing Tax Credits. This is how they made it happen.
Duty to Serve: A Boon for Shared Equity Homeownership
Shared equity homeownership programs just had a big win.
Integration as a Means of Combating Inequality
Inequality is worsening in America. It is one of our most intractable problems that will ultimately slow down economic growth and more immediately increase...
Endangering Community Investment with Tax “Reform”
There wasn’t one Republican senator who was willing say tax reform aimed at growing our economy should augment, not diminish, community investment.
Say It Loud: Renters’ Rights are Civil Rights!
Private developers and public agencies are finally investing in neighborhoods near transit and jobs—where many low-income communities of color have lived for generations—and as a result, are being pushed out just as resources in their neighborhoods are increasing.
Would Trump’s CRA Reform Really “Do No Harm?”
NCRC examined every single Community Reinvestment Act evaluation for mid-size banks conducted during 2016.
In California, a Victorious “Fix” for Inclusionary Housing
It’s time for more states to do what it takes to pass enabling legislation for inclusionary housing, adding this valuable policy tool to the fight for more affordable housing opportunities.
Proposed Changes to the Mortgage Interest Deduction: Some Simple Facts
The discourse around proposed changes to the federal tax system, especially between talk show pundits and economists and politicians—each with their own allegiances—is devoid...
Integration—We’ve Been Doing It All Wrong
I recently had a revelation about the American approach to racial integration: We've been doing it all wrong, and it's had disastrous effects on African Americans.
In Detroit, the Fight for Community Benefits Begins Anew
For equitable development activists, Detroit’s Community Benefits Ordinance may seem like major progress. And it is—just not how they may imagine it to be.
Block by Block, the Renters Movement is Growing
“The string of victories in 2017 are a direct product of renters building power on the ground. Renters, faced with a historic housing crisis, are getting organized to change immediate conditions on the ground and build a movement to transform the way land and housing are treated in the country.”
Meltdown: The Financial Crisis, Consumer Protection, and the Road Forward
In 2010, the scattered enforcement of consumer protection and fair lending laws across several agencies would end. The CFPB would have broad oversight over banks and non-banks, and though not perfect, this model has produced some impressive results.
Four Simple Fixes for Mandatory Inclusionary Housing
For the past two years I’ve worked as a housing lottery project manager for a small affordable housing developer and have found that, in spite of De Blasio’s bold initiative, the program often fails to efficiently and adequately serve the very people for which it has been designed.
Newly-Suspended HUD Rule Would Have Expanded Access to Neighborhood Opportunity
After years-long notice and comment periods, a final rule on using small area Fair Market Rents to determine housing choice voucher payment levels was supposed to take effect. However, the Trump administration has recently announced a two-year suspension of the rule.
Poverty Is a Choice—Says The House Budget
Tax brackets, tax breaks, and just how much more rich the rich will become are all important details, no doubt, but among those details runs a single, shining, unifying message: Some people are worth investing in, and some are not.
Which Agencies Should Pay to End Family Homelessness?
When families have stable housing, the benefits are widespread. And perhaps that has been the problem.
A Policy Agenda for Manufactured Home Owners
In Minnesota, ten mobile home communities have closed in the past twenty-five years, and no new ones have opened. This uncertainty affects nearly 3 million Americans who are residents in the nation’s 50,000 manufactured housing communities. While most of these homeowners own their own homes, they rent the land, leaving them vulnerable to dramatic rent increases, arbitrary rules, and even eviction.
Despite Progress, States Have Work to do to Ensure Access to Affordable Rental Housing...
If expanding access to homeownership can reverse the trends of growing racial wealth inequality, why are we seeing so many states roll back the supports that make homeownership possible?
California Takes Historic Step Toward Affordable Housing for All
Amid a housing crisis in California, legislators last week approved a historic package of bills that will shape the future of housing policy in...
10 Ways to Talk About Inclusionary Housing, Differently
We need to talk about inclusionary housing in a different way that circumvents common misperceptions and creates a new narrative for policymakers in moderate markets and more conservative political climates. Here are 10 messages to help frame your conversations.
The Community Reinvestment Act at 40: A Careful Review of the Reviews
A review of HUD's Cityscape issue, which is devoted to reviews and studies of the Community Reinvestment Act at its 40th anniversary.
We Are All NIMBYs…Sometimes
If we built enough housing, we would still need subsidized housing for many people, but market prices would be low enough that most people could afford them. But we’ve chosen not to. And the reason we give for that choice, more than any other, is that we are trying to preserve or improve the character of our communities.
Defending DACA Is a Moral and Economic Imperative
President Donald Trump has decided to end the Obama-era program that grants work permits to undocumented immigrants. Over the course of its five-year history,...
In Spite of HUD, Fair Housing Process Can Help Communities
Last year, Philadelphia was one of the first cohorts to go through the AFFH process, a fair housing assessment mandated by HUD to discover...
Civil Rights Organizations on Hurricane Relief Efforts
Throughout what we know will be a long recovery over the coming weeks, months, and years, Shelterforce hopes to share the stories of the...
Sustainable for Whom? Large-Scale Sustainable Urban Development Projects and “Environmental Gentrification”
Absent a fundamentally new approach to redevelopment planning that places housing affordability at the center of the process, large-scale sustainable development projects are likely to become engines of what has been termed “environmental gentrification.”
If We Want the Arts in Baltimore, We Need Its Artists
Artists have left their mark on Station North and paved the way for an arts district, but the organically-developed communal live/work spaces that play such a vital role in helping make Baltimore an arts mecca are an endangered species.
After a Far Fall, Is Louisiana Becoming a Better Place for its Lower Income...
When the 2017 Prosperity Now Scorecard was published last month, it was no surprise that Louisiana ranked second-to-last among all 50 states and the District of Columbia, as it typically falls somewhere near the bottom. In many ways, the Scorecard confirmed what we already knew: that most Louisiana families, especially low-income families and families of color, are not faring well financially. What was surprising, however, was how far Louisiana had fallen.
The “Greeding Out” of Affordable Housing
There have been a number of stories in the papers over the last two months that, from my perspective, are connected. Unfortunately, their common denominator is the demise of affordable housing caused by the malignant neglect of government at all levels.
Administration’s Assault on Workers Continues in Congress
A proposed 20 percent reduction to the Department of Labor's overall budget would make working people less safe, and will discourage them from speaking up when abuses happen.
Trump Era a Time to Build Power, Not Buildings
This is a time that calls for us to start thinking a little less like an “industry” and more like a movement.
7 Policies to End Family Homelessness
Improving the well-being of homeless children and their families led Enterprise Community Partners, Citizens’ Committee for Children of New York, and New Destiny Housing to convene a Family Homelessness Task Force comprised of over 40 organizations.
The Silent Expansion of Fiscal Control Boards in the U.S.
The power and process of boards that take control of a city or territory's finances is becoming more generalized, although they affect local democracy, impose austerity measures without controls, and lack mechanisms to evaluate their efficiency.
A Jobs-Housing Fit
The Bay Area can benefit from a clearer framework for understanding what the housing needs of our region actually are and evaluating how housing production is meeting those needs. A Jobs-Housing Fit is that framework.
Trump’s Upside-Down Plan: Tax Cuts Come at the Expense of Working Families
This past Wednesday, President Donald Trump released a one-page outline of a tax plan that he says provides tax relief for the middle class, but in reality, the plan is basically a massive tax cut for the rich. Like the American Health Care Act, which actually was also a massive tax cut for the wealthy disguised as health care reform, this plan is also a massive tax cut for people who need it the least. This time, it is merely disguised as “tax relief” and “simplification.”
Preliminary HUD Budget Shows Carson Lied in His Confirmation Hearing Too
The Washington Post reported today that a preliminary HUD budget cuts $6 billion—eliminating Community Development Block Grants (CDBG) and...
Carson Confirmed. So About Those Other HUD Jobs…
Ben Carson has been confirmed as secretary of the U.S. Department of Housing and Urban Development (HUD) to the weak...
CFPB: Government for the People
Those of us who work in regulated industries, such as banking institutions and credit unions, often succumb to the...
Carson Tries to Please Everyone in Confirmation Hearing, Mostly Succeeds
Triage is in effect among those opposed to the incoming administration and the president-elect's cabinet picks. This morning’s Senate...
Time for a Job Guarantee
In various economic pundit conversations on Twitter, the new target of scorn is Universal Basic Income (UBI). Supporters of...
GOP Tax Plan Takes Mortgage Interest Deduction Unfairness Off the Charts
Let's raise the standard deduction and lower tax rates to give everyone a tax cut!
It should not surprise you that since this is a...
The Real Social Engineering Ben Carson Needs to Address
HUD is the nation’s primary enforcer of the Fair Housing Act. This is one obligation Ben Carson will assume...
How CRA Can Promote Integration in Gentrifying Neighborhoods
Gentrification—the process of neighborhood demographic and economic change in which middle- and upper-income people move into lower-income neighborhoods, increasing...
All the Fury Over CFPB Ignores Its Modest Mission
Ever since its creation, the Consumer Financial Protection Bureau (CFPB) has been the focus of heated controversy, with banks...
The Foreclosure King Ascends to Treasury
There is considerable unease in the housing and community development world about the future of federal policy, including support for vouchers, fair housing,...
No, Housing Policy Really Could Get Done Next Year
Housing didn’t feature prominently in the 2016 presidential campaigns, and while we might wish it had gotten more attention,...
Malign Neglect? Urban Policy in the Trump Era
To paraphrase physicist Niels Bohr, (or maybe it was Yogi Berra), “predicting is difficult, especially when it’s about the...
On Clinton, Obama, Trump, and the Failures of Liberal Urban Policy
In the closing days of the seemingly endless 2016 U.S. presidential campaign, it became increasingly clear to political observers...
Some HUD Secretary Possibilities Are Serious–Others Laughable
Attention has been rightly focused this past week on the fact that the...
Why Are Biased Banks Getting High CRA Marks from Regulators?
The Community Reinvestment Act (CRA) statute has a statement of purpose affirming that banks “are required by law to...
Fairness and The Financial System
Trying to bring fairness to financial transactions for everyday people has long been both an avocation and passion for...
The Costs of “Moving On”
In his recent New York Times op-ed, American Enterprise Institute president Arthur C. Brooks says declining mobility is a...
How to Make Housing Affordable for All the Working Poor
The headlines tell the story: “Half of all renters can’t afford the rent.” “Renters, get ready to take it...
Interview with HUD Secretary Julián Castro
Shelterforce got a chance to speak with Secretary Castro about some of the current ways in which he’s working to make HUD a force for good in people’s lives, and what steps there are left to be taken.
Why the Presidential Race Ignores Urban America
Despite overwhelming media coverage, the 2016 presidential race has ignored the housing and economic crises impacting urban America.
Neither Bernie Sanders nor Hillary Clinton has...
Public Benefits and Bank Mergers
Community organizations are generally aware that when a bank wants to acquire another bank, it must submit a merger...
Government on the Ropes—Nonprofits Step In
The loss of community development staff working at the City of Flint, Michigan, threatened the existence and continuity of...
How to Prevent the Next Mortgage Crisis
Yes, we need to finally achieve certainty in our housing finance system. But not the way most people are suggesting.
Unfriend Your Neighbor to Get a Loan?
Want to be that one person who bootstraps themselves out of poverty and makes it, against all odds? Not...
Harnessing Immigrant Entrepreneurship for Economic Growth
Last week’s release of Bread for the World’s new paper on immigrant small businesses was marked by racial tension...
Interview with Mayor Ivy Taylor, San Antonio, Texas
When Julian Castro, then-mayor of San Antonio, Texas, was picked to be the new Secretary of the Dept. of Housing and Urban Development last year, the city council voted in Ivy Taylor from among their ranks to replace him. The first African-American mayor of the largely Latino and Anglo city, and strongly identified as an urban planner, Taylor casts herself as someone interested more in getting work done than leaving a political legacy. However, she has not shied away from controversial positions, and her initial position that she would not be running for re-election fell by the wayside as she announced her candidacy on February 16, less than two weeks after this interview. We spoke with Mayor Taylor, who has a background in affordable housing, about what it’s like to move between the community development sphere and city government, some of her difficult decisions, and her vision for stable, mixed-income neighborhoods in the city she is serving.
Amidst Congressional Missteps, Housing Opportunities Remain
Here in Washington, Congress has finally done its primary job: that of funding the government. The process of last-minute scrambling and late-night bargaining is clearly no way to run a government—as members of Congress and their staff become harried, priorities don’t get properly vetted. This style of governance also offers an opportunity for special interests […]
Ferguson: No One Should Be Surprised
This op-ed originally appeared in the St. Louis Post Dispatch on October 8, 2014. Recent events in Ferguson constitute the logical outcome of forces spelled out in 1968 by the National Advisory Panel on Civil Disorders, better known as the Kerner Commission. The report warned of a “permanent division of our country into two societies: […]
Asian Americans Key in Virginia Senate Race?
When I drafted this post, incumbent Virginia Senator Mark Warner held a narrow margin of victory over challenger Ed Gillespie (Warner has since declared victory, and Gillespie officially conceded). The race was bitterly contested, and the results are notable in that Asian Americans–with growing populations in Northern Virginia–were very likely determinative in Warner’s victory. UC […]
2014 Elections: The Takeaway for Housing and Community Development Policy
Enterprise Community Partners created this quick yet comprehensive analysis of the implications of the election on housing and community development programs that we here at Shelterforce and Rooflines have found helpful. (Photo credit, Flickr user Carl CC BY-SA 2.0)
Interview with Former HUD Secretaries Senator Mel Martinez and Mayor Henry Cisneros
At the Bipartisan Policy Center’s Housing Summit on September 15 and 16, five former secretaries of the Department of Housing and Urban Development joined...
Government Works Badly–If We Refuse to Invest in It
At the Bipartisan Policy Center's Housing Summit earlier this week, Shelterforce got to interview former HUD secretaries Mel Martinez and Henry Cisneros (we'll publish that interview here next week). One of the questions we asked was how to handle the fact that the American electorate often seems to have a bias, not so much against […]
Beware the Scammers
This weekend I encountered a representative of an energy service company on my porch. He was flashing a badge at...
Actually United States
Americans are a people hopelessly divided by culture wars and fundamental disagreements about the role and appropriate size of government....
Newark, NJ, Mayor Tries Eminent Domain for Underwater Homes
Newark’s newly-elected mayor Ras Baraka has taken a bold step to address one of the city’s and state’s most serious...
Deep-seated, Anti-Government Mood Remains
The stunning upset of House Majority Leader Eric Cantor in a Republican primary election on Tuesday by a Tea...
5 Reasons Why Housing Finance Reform Can’t Wait
If Congress doesn’t fix our housing finance system sooner rather than later, people all around the country will feel...
‘Ohana-Based Approach to Incentivized Youth Savings
How can we measure the impact of incentivized youth savings beyond just financial impacts?Hawai‘i Island ‘ohana participating in the...
Congress Agrees: Collaborative, Comprehensive Care Needed For Rural Vets
Rural America has a strong history of protecting our country. In fact, as highlighted in a recent report on...
Watch These Panelists Explain What’s Missing in the GSE Reform Debate
The National Community Reinvestment Coalition last week brought together a panel of experts to discuss the future of housing...
If Banks Aren’t Serving the Poor, Who Is?
Over the past few months I’ve written short pieces on my work as a teller at a check cashing...
Can We Demolish Our Way to Revitalization?
While the answer to that question in the title of this piece is obvious, there’s a strong case to...
The Feds Bow Out: We’re On Our Own
Yes, the federal government is back in business.After 16 days and untold billions in lost earnings and wasted dollars,...
From “Knucklehead Kid” to Boston Mayor?
There are several teenagers featured in Holding Ground, a film about the launch of the Dudley Street Neighborhood Initiative. DSNI...
Bus Tour Fueled by Immigration Reform
One bus, four days, seven states, 11 cities, nine Congressional offices visited and 40 people riding a bus to...
Got Something to Say? We’re Listening
In my experience with both the nonprofit and corporate worlds, I have seen how the most effective leaders pay...
New CDC Trade Association Lays Infrastructure
As sequestration takes hold and Congress wrestles with FY 2014 budget negotiations, the affordable housing and community development field is in a fragile state....
Losses and Wins in Supreme Court: How Does It Affect You?
All eyes have been on the Supreme Court this week, as it handed down decisions on the Voting Rights Act,...
Shelterforce Asks: Should Rep. Watt Take the Helm of the FHFA?
As Senate Democrats and Republicans gear up to battle over President Obama's nomination of Rep. Mel Watts (D-N.C.) to...
Achieving Reinvestment: NCRC’s 2013 Award Winners
The National Community Reinvestment Coalition presented its 2013 National Achievement Awards to leaders in expanding fair access to financial...
Invest in Consumers, Bolster Your Bottom Line
The more financial coaching people receive, the more financially resilient they’ll become.That’s what a recent study conducted by NeighborWorks®...
Rural Housing Budget Disappointing, But Not Surprising
Unfortunately, but not unexpectedly, the Obama administration’s rural housing budget continues trends that were evident in the last several...
Three Ways the President’s Budget Benefits HUD
For low-income families that need affordable rental housing, the news from Washington in recent years has been bleak. Yet, while...
Smart Choices Result in Balanced, Innovative Budget Proposal
The President’s FY14 budget represents a balanced approach to investment and deficit reduction. It recognizes the unique role that...