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 Collection: Congressional Research Service Reports
Low-Income Home Energy Assistance Program (LIHEAP) Allocation Rates: Legislative History and Current Law
This report discusses the legislative history and current law regarding the Low-Income Home Energy Assistance Program (LIHEAP), which provides funds to states so that they may help low-income households pay home energy expenses. digital.library.unt.edu/ark:/67531/metadc822546/
Section 811 and Other HUD Housing Programs for Persons with Disabilities
This report describes how federal funds are used to develop housing designated for persons with disabilities. It also discusses current issues surrounding housing for persons with disabilities. digital.library.unt.edu/ark:/67531/metadc795509/
Financial Market Intervention
This report provides answers to some frequently asked questions concerning ongoing financial disruptions and the Troubled Asset Relief Program (TARP). It also summarizes legislation in the 111th Congress such as H.R. 384, the TARP Reform and Accountability Act of 2009 and H.R. 703, "Promoting Bank Liquidity and Lending Through Deposit Insurance, Hope for Homeowners, and other Enhancements." digital.library.unt.edu/ark:/67531/metadc795565/
The U.S. Financial Crisis: The Global Dimension with Implications for U.S. Policy
This report examines the global ramifications of the financial crisis, which exposed fundamental weaknesses in financial systems worldwide, and despite coordinated easing of monetary policy by governments and trillions of dollars in intervention by governments and the International Monetary Fund, the crisis continues. digital.library.unt.edu/ark:/67531/metadc795679/
The Cost of Government Financial Interventions, Past and Present
The results of previous government financial interventions are summarized in this report. In response to ongoing financial turmoil that began in the subprime mortgage-backed securities market, the federal government has intervened with private corporations on a large scale and in an ad hoc manner three times from the beginning of 2008 through September 19, 2008. digital.library.unt.edu/ark:/67531/metadc795671/
Financial Institution Insolvency: Federal Authority over Fannie Mae, Freddie Mac, and Depository Institutions
This report provides an overview of the U.S. credit crunch and its effect on Fannie, Freddie, Banks, and Thrifts. The report discusses the Federal Deposit Insurance Corporation (FDIC) and insolvent banks and thrifts. digital.library.unt.edu/ark:/67531/metadc795484/
Veterans and Homelessness
This report discusses the various aspects of the issue of homeless veterans. Researchers have found both male and female veterans to be overrepresented in the homeless population, and, as the number of veterans increased due to these conflicts, there was concern that the number of homeless veterans could rise commensurately. digital.library.unt.edu/ark:/67531/metadc795706/
Reporting Issues Under the Home Mortgage Disclosure Act
This report describes current issues and recent changes to the Home Mortgage Disclosure Act (HMDA) of 1975. The report also provides a brief explanation of how recent reporting revisions may affect the reporting of loans covered by the Home Ownership and Equity Protection Act of 1994 and the Federal Housing Administration. digital.library.unt.edu/ark:/67531/metadc795790/
Housing and Economic Recovery Act of 2008
This report discusses the Housing and Economic Recovery Act of 2008, P.L. 110-289, which changes many laws affecting both the housing and mortgage markets. It also surveys the most important changes caused by the act. digital.library.unt.edu/ark:/67531/metadc770564/
The First-Time Homebuyer Tax Credit: An Economic Analysis
This report analyzes the ability of the first-time homebuyer tax credit to stimulate home buying and stabilize home prices. It includes information about current economic conditions, the tax credit with an economic analysis, marginal first-time home buyers, the cost of home ownership, the influence of the economy, and information about policy options and specific ways to adjust the tax credit. digital.library.unt.edu/ark:/67531/metadc743420/
State and Local Restrictions on Employing, Renting Property to, or Providing Services for Unauthorized Aliens: Legal Issues and Recent Judicial Developments
This report discusses the constitutional issues raised in relation to state and local laws intended to deter the presence of unauthorized aliens, along with the implications that federal civil rights statutes might have on the implementation and enforcement of measures restricting such persons' ability to obtain employment, housing, or other state and local benefits or services. digital.library.unt.edu/ark:/67531/metadc700536/
Community Development Block Grants: Neighborhood Stabilization Program; Assistance to Communities Affected by Foreclosures
Report regarding the Housing and Economic Recovery Act of 2008, P.L. 110-289, which allocates federal financial aid to all state and local governments with high amounts of foreclosed homes, subprime mortgage loans, and delinquent home mortgages. The report focuses on the assistance that aids in aquiring, rehabilitating, and reselling foreclosed and abandoned homes. digital.library.unt.edu/ark:/67531/metadc700522/
The Department of Housing and Urban Development: FY2009 Appropriations
This report is a guide to one of the regular appropriations bills that Congress considers each year. It is designed to supplement the information provided by the Subcommittees on Transportation, Housing and Urban Development, and Related Agencies of the House and Senate Committees on Appropriations. It summarizes the current legislative status of the bill, its scope, major issues, funding levels, and related legislative activity. The report lists the key CRS staff relevant to the issues covered and related CRS products. digital.library.unt.edu/ark:/67531/metadc700575/
FEMA Disaster Housing: From Sheltering to Permanent Housing
This report reviews standard disaster housing procedures as well as options that could be taken to improve disaster housing including increased FEMA/HUD cooperation, the use of the case management authority, the repair and renovation of private rental housing units, and the use of alternative manufactured housing. digital.library.unt.edu/ark:/67531/metadc689145/
Veterans and Homelessness
The wars in Iraq and Afghanistan brought renewed attention to the needs of veterans, including the needs of homeless veterans. Researchers have found both male and female veterans to be overrepresented in the homeless population, and, as the number of veterans increased due to these conflicts, there was concern that the number of homeless veterans could rise commensurately. This report discusses the various aspects of this issue. digital.library.unt.edu/ark:/67531/metadc627178/
An Economic Analysis of the Homebuyer Tax Credit
This report provides an economic analysis of the homebuyer tax credit. Data suggest that home prices in general may be stabilizing and that the home inventory is beginning to return to a more normal level. Given the close proximity of these improvements to when the homebuyer tax credit was enacted by the Housing and Economic Recovery Act of 2008 and first modified by the American Recovery and Reinvestment Act of 2009, one could argue that the tax credit was the cause of these improvements. digital.library.unt.edu/ark:/67531/metadc627233/
LIHEAP: Program and Funding
This report discusses two types of formulas used to allocate funding to the Low Income Home Energy Assistance Program (LIHEAP) through regular and contingency funding. digital.library.unt.edu/ark:/67531/metadc503423/
FEMA Disaster Housing: From Sheltering to Permanent Housing
This report reviews standard disaster housing procedures as well as options that could be taken to improve disaster housing including increased FEMA/HUD cooperation, the use of the case management authority, the repair and renovation of private rental housing units, and the use of alternative manufactured housing. digital.library.unt.edu/ark:/67531/metadc491148/
Veterans and Homelessness
The wars in Iraq and Afghanistan brought renewed attention to the needs of veterans, including the needs of homeless veterans. Researchers have found both male and female veterans to be overrepresented in the homeless population, and, as the number of veterans increased due to these conflicts, there was concern that the number of homeless veterans could rise commensurately. This report discusses the various aspects of this issue. digital.library.unt.edu/ark:/67531/metadc491421/
State and Local Restrictions on Employing, Renting Property to, or Providing Services for Unauthorized Aliens: Legal Issues and Recent Judicial Developments
This report discusses the constitutional issues raised by state and local laws intended to deter the presence of unauthorized aliens by limiting their access to housing, employment, and public benefits, as well as the implications that federal civil rights statutes might have for the implementation and enforcement of these laws. It also discusses recent federal court cases addressing the constitutionality of such measures. digital.library.unt.edu/ark:/67531/metadc490883/
An Analysis of the Geographic Distribution of the Mortgage Interest Deduction
This report analyzes variation in the mortgage interest deduction tax expenditure across states. Tax expenditures, such as the mortgage interest deduction, can generally be viewed as government spending administered via the tax code, or as tax incentives that are intended to achieve particular policy objectives. Regardless of the interpretation, tax expenditures provide a benefit to qualifying taxpayers by lowering their federal tax liabilities. digital.library.unt.edu/ark:/67531/metadc463404/
An Overview of the HOME Investment Partnerships Program
This report provides an introduction to the HOME Investment Partnerships Program, including a brief history, an overview of allowable uses of HOME funds, and a description of certain program requirements. It also provides information on funding for the program and how that funding has been used. digital.library.unt.edu/ark:/67531/metadc462247/
Transportation, Housing and Urban Development, and Related Agencies (THUD): FY2009 Appropriations
This report is a guide to one of the regular appropriations bills that Congress considers each year. It is designed to supplement the information provided by the Subcommittees on Transportation, Housing and Urban Development, and Related Agencies of the House and Senate Committees on Appropriations. It summarizes the current legislative status of the bill, its scope, major issues, funding levels, and related legislative activity. The report lists the key CRS staff relevant to the issues covered and related CRS products. digital.library.unt.edu/ark:/67531/metadc462090/
Preserving Homeownership: Foreclosure Prevention Initiatives
This report describes the consequences of foreclosure on homeowners, outlines recent foreclosure prevention plans implemented by the government and private organizations, and discusses the challenges associated with foreclosure prevention. digital.library.unt.edu/ark:/67531/metadc462555/
An Overview of the Housing Finance System in the United States
This report provides an overview of how the housing finance system works and provides context for housing finance-related policy issues that Congress might choose to consider. digital.library.unt.edu/ark:/67531/metadc462704/
Housing for Persons Living with HIV/AIDS
This report describes recent research that shows how housing and health status are related and the effects of stable housing on HIV/AIDS patient health. It also describes the Housing Opportunities for Persons with AIDS (HOPWA) program, the only federal program that provides housing and services specifically for persons who are HIV positive or who have AIDS, together with their families. In addition, the report describes how a small portion of funds appropriated through the Ryan White HIV/AIDS program may be used by states and local jurisdictions to provide short-term housing assistance for persons living with HIV/AIDS. digital.library.unt.edu/ark:/67531/metadc462650/
Housing Issues in the 113th Congress
This report begins by providing an overview of the current state of housing markets (both homeownership and rental) and the mortgage market in order to provide context for the policy issues that have been active during the 113th Congress. It then provides a brief description of issues that the 113th Congress has been considering. These issues are broadly divided into two categories: issues related to homeownership and housing finance, and issues related to housing assistance for low-income households digital.library.unt.edu/ark:/67531/metadc332936/
The LIHEAP Formula
This report discusses two types of formulas used to allocate funding to the Low Income Home Energy Assistance Program (LIHEAP) through regular and contingency funding. digital.library.unt.edu/ark:/67531/metadc306456/
Selected Legislative Proposals to Reform the Housing Finance System
This report briefly explains the different approaches to housing finance reform offered by several legislative proposals, focusing on efforts to replace Fannie Mae and Freddie Mac and to reform the Federal Housing Administration (FHA). digital.library.unt.edu/ark:/67531/metadc287887/
Overview of Federal Housing Assistance Programs and Policy
This report provides an overview of the history and evolution of federal housing assistance policy, a description of today's major federal housing assistance programs, and a discussion of issues and trends in federal housing assistance policy. digital.library.unt.edu/ark:/67531/metadc287929/
Homelessness: Targeted Federal Programs and Recent Legislation
This report describes existing federal programs that provide targeted assistance to homeless individuals and families, and discusses federal efforts to end homelessness. It also contains tables that outline funding levels for various related programs. digital.library.unt.edu/ark:/67531/metadc282282/
Veterans and Homelessness
This report discusses several issues relating to homelessness among veterans, which has become more prominent since the beginning of the conflicts in Iraq and Afghanistan. digital.library.unt.edu/ark:/67531/metadc272110/
Preserving Homeownership: Foreclosure Prevention Initiatives
This report describes the consequences of foreclosure on homeowners, outlines recent foreclosure prevention plans implemented by the government and private organizations, and discusses the challenges associated with foreclosure prevention. digital.library.unt.edu/ark:/67531/metadc271994/
Fannie Mae's and Freddie Mac's Financial Status: Frequently Asked Questions
Report that presents the major issues surrounding Fannie Mae's and Freddie Mac's financial conditions as well as various public policy options under discussion. digital.library.unt.edu/ark:/67531/metadc227814/
GSEs and the Government's Role in Housing Finance: Issues for the 113th Congress
This report examines options concerning the future of the GSEs and the future government role in residential mortgage markets. Other CRS reports address related issues such as conservatorship, the GSEs' financial condition, residential mortgage markets in other nations, and affordable housing. digital.library.unt.edu/ark:/67531/metadc227653/
Affordable Care Act (ACA) and the Appropriations Process: FAQs Regarding Potential Legislative Changes and Effects of a Government Shutdown
This report provides background information on the Affordable Care Act (ACA). It discusses the ACA and the annual appropriations process and the potential impact of a shutdown on ACA implementation. digital.library.unt.edu/ark:/67531/metadc227944/
The Temporary Assistance for Needy Families (TANF) Block Grant: A Primer on TANF Financing and Federal Requirements
Report that provides an overview of the Temporary Assistance for Needy Families (TANF) Block Grant financing and rules for state programs, describing federal TANF grants and state funds, how states may use federal TANF and state MOE funds to help achieve the purpose and goals of the TANF block grant. digital.library.unt.edu/ark:/67531/metadc228008/
Selected Legislative Proposals to Reform the Housing Finance System
This report briefly explains the different approaches to housing finance reform proposed by the three bills, focusing on efforts to replace Fannie Mae and Freddie Mac and reform FHA. digital.library.unt.edu/ark:/67531/metadc227926/
VA-Home Loan Guaranty Program: An Overview
Report containing a summary of the VA Home Loan Guaranty Program. digital.library.unt.edu/ark:/67531/metadc228091/
An Economic Analysis of Large-Scale Mortgage Refinancing Proposals: A Brief Overview of S. 3522 and S. 3085
This report provides a brief overview of policy proposals for the large-scale refinancing of mortgages for borrowers shut out of traditional financing methods. digital.library.unt.edu/ark:/67531/metadc122229/
Residential Energy Tax Credits: Overview and Analysis
This report explores one policy option for promoting residential energy efficiency: tax credits. It begins by providing an overview of the current residential energy-efficiency tax credits. The report then goes on to provide an economic rationale for residential energy-efficiency tax incentives, introducing the concept of "market failures" and "market barriers" which may lead to suboptimal or "economically inefficient" investment in energy-efficiency technologies. The final sections of this report provide an economic analysis of the primary tax incentives for residential energy efficiency and briefly review various policy options. digital.library.unt.edu/ark:/67531/metadc122219/
National Mortgage Servicing Standards: Legislation in the 112th Congress
This report analyzes the potential misaligned incentives in the servicer-mortgage holder relationship and the servicing standards that attempt to address each concern, the servicer-borrower relationship and the relevant servicing provisions, as well as the possible implications of reforming the servicing industry. digital.library.unt.edu/ark:/67531/metadc122216/
Military Construction: Analysis of the President's FY2012 Appropriations Request
This report explains government activities funded under the military construction appropriation, examines trends in military construction funding over the past few years, and outlines military construction issues extant in each of the major regions of U.S. military activity. digital.library.unt.edu/ark:/67531/metadc103134/
Transportation, Housing and Urban Development, and Related Agencies (THUD): FY2008 Appropriations
This report discusses the current legislative status of the appropriations bill, its scope, major issues, funding levels, and related legislative activity. digital.library.unt.edu/ark:/67531/metadc103207/
Veterans and Homelessness
This report discusses several issues relating to homelessness among veterans, which has become more prominent since the beginning of the conflicts in Iraq and Afghanistan. digital.library.unt.edu/ark:/67531/metadc99109/
Housing for Persons Living with HIV/AIDS
This report discusses the creation of the Housing Opportunities for Persons with AIDS (HOPWA) Program, which was created to alleviate the difficulties that many individuals with acquired immunodeficiency syndrome (AIDS) have finding affordable, stable housing. It also looks at distributions of HOPWA funds, including eligibility and eligible uses for such funding. digital.library.unt.edu/ark:/67531/metadc98094/
Military Construction: Analysis of the FY2012 Appropriation and Authorization
This report explains those government activities funded under the military construction appropriation, examines trends in military construction funding over the past few years, and outlines military construction issues extant in each of the major regions of U.S. military activity. digital.library.unt.edu/ark:/67531/metadc96692/
Veterans and Homelessness
This report discusses several issues relating to homelessness among veterans, which has become more prominent since the beginning of the conflicts in Iraq and Afghanistan. digital.library.unt.edu/ark:/67531/metadc96774/
Veterans and Homelessness
This report discusses several issues relating to homelessness among veterans, which has become more prominent since the beginning of the conflicts in Iraq and Afghanistan. digital.library.unt.edu/ark:/67531/metadc96773/
Reduce, Refinance, and Rent? The Economic Incentives, Risks, and Ramifications of Housing Market Policy Options
This report discusses the background of financial panic in September 2008, precipitated by the housing bubble of 2006. In particular, the report looks at options that the 112th Congress has regarding the housing market: (1) reducing mortgage principal for borrowers who owe more than their homes are worth, (2) refinancing mortgages for borrowers shut out of traditional financing methods, and (3) renting out foreclosed homes. digital.library.unt.edu/ark:/67531/metadc96719/
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