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Policy

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 that Hillary Clinton was explicitly adopting a platform of continuity with […]

Policy

Some HUD Secretary Possibilities Are Serious–Others Laughable

[Edited to add: As of 11/28, We learned that Ben Carson accepted this position. We'll have more on what this means in weeks to come.] Attention has been rightly focused […]

Housing

As Affordability Worsens, State and Local Governments Act on their Own

While local and state resources are increasingly stepping up as federal funding continues to be strained, it remains a question as to whether these actions and resources will be enough to meet affordable housing needs.

A high school graduate who saved for college with the help of FUEL Education, now called Inversant.
Financial System

In Which a Skeptic Is Won Over to Child Savings Accounts

While I am a firm believer in equal access to higher education for all, it’s over-emphasized in our individualistic culture as a solution to society’s woes.

Young students wearing red shirts laugh as they participate in a college-bound program in Indiana.
Financial System

College Bound: A Look at Children’s Savings Accounts

Children’s savings accounts for higher education, even those that have accumulated only small amounts of money, can change expectations for low-income students and they might also provide a vehicle for larger wealth transfers.

Financial System

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 demonstrate that their deposit facilities serve the convenience and needs of […]

Financial System

Fairness and The Financial System

Trying to bring fairness to financial transactions for everyday people has long been both an avocation and passion for me, anchored largely in my belief in the “Golden Rule,” that […]

water trickle
Housing

The Real Reasons Affordable Housing Isn’t Being Built in California

The meager supply of affordable housing is a major contributor to housing’s high cost, yet the policy tools to address the shortfall often seem to worsen the problem. But this is because they ignore the underlying infrastructure and financing to support growth.

Policy

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 primary cause of the nation’s economic malaise. Among his suggestions, he […]

Federal Policy

Two Presidential Affordable Housing Platforms!

Though they haven’t made them central to their campaign, Clinton and Sanders have each released affordable housing platforms.

Policy

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 on the chin.” “The rent crisis is about to get a […]

Housing

The Danger in Restricting Our Definition of “Preservation”

The real focus of preservation—and the definition—should be on the bigger picture of preserving the assisted/affordable housing stock in a community or region