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A young family of three seen from the back as they look at a house. From right: A light brown-skinned man with shaved head and chin whiskers in a blue chambray shirt and khakis points to the house, at something out of frame. His other arm is around a black-haired woman in a narrow-striped button-up white shirt over blue jeans. One of her arms is around the man's waist; with the other she holds a small dark-haired child in a pale blue top and black leggings and no shoes. The house is white with brown window trim, and a sold sign in one window.
Opinion

Targeting First-Generation Homebuyers Is a Great Way to Direct Downpayment Assistance—And It Could Be Better

The proposed program could shrink the racial homeownership gap while serving a wide cross-section of people. But it only addresses some of the results of past discrimination.

A young woman in gold-rimmed glasses looks skeptically at a sheet of paper. She is across a table from an older woman in a peach top whose back is to the camera. The young woman has wavy brown hair with red overtones and wears a top that's light on top and dark below the shoulders. They're in a brightly lit meeting room.
Reported Article

Common Homelessness Assessment Leads to Racial Disparities in Housing Placements

Intake questions about past evictions and mental health stopped families of color from accessing long-term housing support, but agencies in Arizona and elsewhere are asking new questions.

View from the street of a bank built in 1917. From the photographer: The building features a red brick exterior with terra cotta trim, decorative panels with Sullivanesque detailing, Sullivanesque trim, a decorative mosaic in the tympanum below the arch above the front entrance with the word “Thrift” in gold lettering in the middle of an expanse of blue tile and decorative white, cream, green, purple, red, and orange tile accents, decorative metal lettering on the facade above the arch displaying the words “The People’s Federal Savings & Loan Assn." ... Gargoyles above the pilasters framing the front entrance, fixed glass windows at the corners, brass double doors.
Practitioner Voice

How the New CRA Rule Will Help, and Where It Falls Short

The assessments that evaluate a bank’s lending practices have improved, but there are several missed opportunities for reform. For one, the new rules won’t incorporate a racial analysis into lending examinations.

A mural on a rough whitewashed wall. Painted in dripping capitals is "Follow your dreams," and over it is a red stenciled "Cancelled" banner. To the right is an image of a man holding a pail and paintbrush. He's wearing a cloth cap and has two rolls of paper under his arm.
Opinion

Keeping Wealth in the Family

The role of ‘heirs property’ in eroding Black families’ wealth

On a lawn in front of a brick building with large glass panels that look as if they might have been garage bays at one point, stands a welcome sign made of mosaic tile. The underlying structure is invisible but may be concrete and forms a boxy semi-circle with a peak. The mosaic tiles are small and spell out "Welcome to Binghampton" in varied colors on a background of tiny black tiles. There are two stars over the letters B and I, and near the bottom is a band of freeform mosaics depicting faces. They're very small and hard to discern individually.
Practitioner Voice

Memphis Is Shrinking. Here’s Why We Need to Change That

Memphis is struggling with a dwindling population, driven in part by a high crime rate and disinvestment in low-income areas of the city. What are local organizations doing to turn this around?

A graphic for Shelterforce's "Meet Me at the Intersection of Housing."
Interview

Meet Me at the Intersection of Housing, with Guest Dawn Kelly

Dawn Kelly, founder of the New York-based healthy food and beverage restaurant The Nourish Spot, chats with Shelterforce’s Schlonn Hawkins about the connection between entrepreneurship, housing, building communities, and more.

A person in a blue jacket and blue shirt writes something down in a notebook. The person's head has been cropped out of the photo.
Opinion

Let’s Act Now to Stop Racism in Real Estate Appraisals

In 2022, a government task force released an action plan about combating bias in the appraisal industry. How can CDFIs fight back against the damage caused by under-appraisals?

Interview

Holding Redlining’s Perpetrators Accountable

Richard and Leah Rothstein talk about their new book, Just Action, inspired by readers of The Color of Law who asked what could be done about the enduring effects of a century of unconstitutional housing discrimination.

Aerial view of brick three-story buildings in Philadelphia, in golden light, with a church tower in the distance. At top right, part of a big rainbow is visible
Opinion

Appraisal Bias Is the Fair Housing Issue of the Day

Newly released data on home appraisal practices is a step forward in the fight against racially biased appraisals. There’s still a long way to go.

Aerial view of the KeyBank building at night. Windows in it and nearby buildings are lighted.
Reported Article

NCRC Claims KeyBank Broke Promises, Failed Black Homeowners

Who is responsible for evaluating whether groups adhere to promises made in a community benefits agreement (CBA)? Is there any recourse for those who don’t get what they were promised? And what lessons can we take away from the KeyBank CBA?

View from across the road of homeless tents lining the freeway in Los Angeles. Behind them are palm trees, with multistory apartment buildings in the background
Opinion

Bordering Towns in LA County Clash Over Their Homeless Policies

Local governments often come to different conclusions about how to address homelessness within their respective city borders. Varying approaches only exacerbate the problem.

Interior view of the stained glass windows of Abyssinian Baptist Church in Harlem.
Housing

Black Congregations Are Developing Housing on Church Land

Many Black churches in the U.S. are developing housing on their property, and becoming stronger activists in the fight for affordable housing.