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 Collection: Congressional Research Service Reports
Housing Issues in the 105th Congress
No Description digital.library.unt.edu/ark:/67531/metacrs713/
Housing Issues in the 106th Congress
No Description digital.library.unt.edu/ark:/67531/metacrs1249/
Housing Issues in the 107th Congress
No Description digital.library.unt.edu/ark:/67531/metacrs3154/
Treatment of Seller-Funded Downpayment Assistance in FHA-Insured Home Loans
This report discusses the seller-funded down-payment assistance that qualify for FHA-insured home loans. digital.library.unt.edu/ark:/67531/metadc821986/
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/
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/
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/
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/
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/
The HUD Homeless Assistance Grants: Distribution of Funds
Four programs, administered by the U.S. Department of Housing and Urban Development (HUD), were created to provide temporary and permanent housing to the homeless, along with supportive services.This report describes how HUD distributes the four homeless assistance grants. digital.library.unt.edu/ark:/67531/metadc821115/
Introduction to Public Housing
This report serves as an introduction to the federal public housing program. It provides information on the history of the program, how it is administered and funded, and the characteristics of public housing properties and the households they serve. While it introduces current policy issues, a full analysis of those issues and discussion of current legislation is not included in this report. digital.library.unt.edu/ark:/67531/metadc820996/
Public Housing: Fact Sheet on the New Operating Fund Formula
The local public housing authorities (PHAs) that administer the federal public housing program will begin receiving their annual federal operating subsidies under a new formula in January 2007. As a result, some will experience an increase in their eligibility for funding and others will experience a decrease, although both increases and decreases will be phased in (over two and five years, respectively). However, the amount that a PHA qualifies for under the new formula (whether it is an increase or a decrease) will be reduced if Congress appropriates less money than is necessary to fund all agencies at 100% of their eligibility. This report provides a brief overview of the changes to the public housing operating fund formula that will take place in FY2007. digital.library.unt.edu/ark:/67531/metadc822513/
USDA Rural Housing Programs: An Overview
This report discusses the the Department of Agriculture's (USDA) ability to make loans to farmers to enable them to construct, improve, repair, or replace dwellings and other farm buildings to provide decent, safe, and sanitary living conditions for themselves or their tenants, lessees, sharecroppers, and laborers. USDA was also authorized to make grants or combinations of loans and grants to those farmers who could not qualify to repay the full amount of a loan, but who needed the funds to make the dwellings sanitary or to remove health hazards to the occupants or the community. digital.library.unt.edu/ark:/67531/metadc807224/
USDA Rural Housing Programs: An Overview
This report discusses the the Department of Agriculture's (USDA) ability to make loans to farmers to enable them to construct, improve, repair, or replace dwellings and other farm buildings to provide decent, safe, and sanitary living conditions for themselves or their tenants, lessees, sharecroppers, and laborers. USDA was also authorized to make grants or combinations of loans and grants to those farmers who could not qualify to repay the full amount of a loan, but who needed the funds to make the dwellings sanitary or to remove health hazards to the occupants or the community. digital.library.unt.edu/ark:/67531/metadc805425/
USDA Rural Housing Programs: An Overview
This report discusses the Department of Agriculture's (USDA) rural housing programs, which include loans for the purchase, repair, or construction of single-family housing; loans and grants to remove health and safety hazards in owner-occupied homes; loans and grants for the construction and purchase of rental housing for farmworkers; loans for the purchase and construction of rental and cooperative housing for the elderly and for rural residents in general; rental assistance payments to make rental housing more affordable; interest subsidies to make homeownership loans more affordable and to enable production of rental housing that is affordable for the target population; and loans for developing building sites upon which rural housing is to be constructed. digital.library.unt.edu/ark:/67531/metadc820833/
USDA Rural Housing Programs: An Overview
This report discusses the the Department of Agriculture's (USDA) ability to make loans to farmers to enable them to construct, improve, repair, or replace dwellings and other farm buildings to provide decent, safe, and sanitary living conditions for themselves or their tenants, lessees, sharecroppers, and laborers. USDA was also authorized to make grants or combinations of loans and grants to those farmers who could not qualify to repay the full amount of a loan, but who needed the funds to make the dwellings sanitary or to remove health hazards to the occupants or the community. digital.library.unt.edu/ark:/67531/metadc822126/
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/
Fannie Mae's and Freddie Mac's Financial Problems: Frequently Asked Questions
Recent turmoil in the housing and financial markets have caused concern over the future of Fannie Mae and Freddie Mac, which are chartered by Congress as government-sponsored enterprises (GSEs) and are widely believed to have an implicit guarantee from the federal government. The Office of Federal Housing Enterprise Oversight (OFHEO) -- the GSEs safety and soundness regulator -- has repeated assurances that Fannie and Freddie have adequate capital, but as highly leveraged financial intermediaries, Fannie Mae and Freddie Mac have limited resources against losses. This report analyzes various aspects of Fannie Mae and Freddie Mac in relation to the financial turmoil that began in September 2008. digital.library.unt.edu/ark:/67531/metacrs10771/
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/
The Emergency Food and Shelter Program
The Emergency Food and Shelter (EFS) Program allocates funds to local communities to fund homeless programs including soup kitchens, food banks, shelters, and homeless prevention services. The EFS program is part of the Federal Emergency Management Agency (FEMA), and after Hurricane Katrina struck, some questions have arisen about the use of EFS program funds for Presidentially-declared disasters. This report describes how the EFS program operates through a National Board, local boards, and local recipient organizations. It further discusses the use of EFS program funds during disasters, and recent attempts to move the program from FEMA to the Department of Housing and Urban Development (HUD). digital.library.unt.edu/ark:/67531/metacrs7504/
Rural Housing: USDA Disaster Relief Provisions
No Description digital.library.unt.edu/ark:/67531/metacrs7750/
Changes to Section 8 Housing Voucher Renewal Funding, FY2003-FY2006
This report describes changes in the formula that were included in appropriations bills for FY2003 through FY2006; it will not be updated. digital.library.unt.edu/ark:/67531/metacrs9140/
Housing Authorization Bills: Overview of H.R. 2 and S. 462
No Description digital.library.unt.edu/ark:/67531/metacrs714/
Military Housing Privatization Initiative: Background and Issues
No Description digital.library.unt.edu/ark:/67531/metacrs9280/
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/
Transportation, Housing and Urban Development, and Related Agencies (THUD): FY2013 Appropriations
This report looks at Congress's FY2013 budget allocations for the Transportation, Housing and Urban Development, and Related Agencies (THUD) appropriations subcommittee. digital.library.unt.edu/ark:/67531/metadc93942/
HUD's Response to Hurricane Katrina
This report discusses the response of the Department of Housing and Urban Development (HUD) to Hurricane Katrina. digital.library.unt.edu/ark:/67531/metacrs9165/
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 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/
The Homeless Management Information System
No Description digital.library.unt.edu/ark:/67531/metacrs7973/
No-fault Eviction of Public Housing Tenants for Illegal Drug Use: A Legal Analysis of Department of Housing and Urban Development v. Rucker
No Description digital.library.unt.edu/ark:/67531/metacrs9283/
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/
The Homeless: Overview of the Problem and the Federal Response
This report discusses the problem of homelessness in the U.S. and the resulting policy response. Unlike the skid row "derelicts" who comprised the typical homeless population of the 1960s, today's street people represent many diverse groups including: the mentally ill, evicted families, the aged, alcoholics, drug addicts, abused spouses, abused young people, and cast-off children. digital.library.unt.edu/ark:/67531/metacrs8869/
Housing Issues in the 109th Congress
This report discusses the budget request for the Department of Housing and Urban Development (HUD), which would be a decrease of $2.8 billion, or almost 9%, from FY2005. digital.library.unt.edu/ark:/67531/metacrs8334/
Housing Issues in the 109th Congress
This report discusses the budget request for the Department of Housing and Urban Development (HUD), which would be a decrease of $2.8 billion, or almost 9%, from FY2005. digital.library.unt.edu/ark:/67531/metacrs8335/
The Federal Deposit Insurance Corporation (FDIC): Efforts to Support Financial and Housing Markets
This report discusses recent actions taken by the FDIC in support of financial and housing markets, which include restoration of the Deposit Insurance Fund, the development of the Temporary Liquidity Guarantee Program, efforts to reduce foreclosures, and establishment of the proposed Public-Private Investment Fund. Legislation such as H.R. 786 (introduced by Representative Barney Frank); H.R. 1106, Helping Families Save Their Homes Act of 2009 (introduced by Representative John Conyers, Jr., with 24 co-sponsors); and S. 541, The Depositor Protection Act of 2009 (introduced by Senator Christopher Dodd with 12 co-sponsors) have also been introduced to increase the effectiveness of the FDIC’s efforts to respond to recent market weaknesses. digital.library.unt.edu/ark:/67531/metadc821557/
Understanding Mortgage Foreclosure: Recent Events, the Process, and Costs
This report provides a general analysis and overview of current foreclosure issues addressed in the bills cited above. It begins with a description of the behavior of aggregate foreclosure rates. The behaviors of foreclosure rates are placed in the context of activity in the housing and mortgage market to illustrate any relationships. The foreclosure process is then explained, first from the point of view of a traditional financial lending institution, and then from the viewpoint of securitization when loans are sold in secondary markets. Finally, this report collects information from other studies to obtain an estimate of the average foreclosure costs. A brief discussion of the effect uniform foreclosure legislation may have on costs follows. digital.library.unt.edu/ark:/67531/metadc821584/
Issues Related to the Provision of Housing and Utilities to Employees
Over 3,200 state employees receive free, state-subsidized housing and utilities; live in state-owned properties for a nominal monthly rate; or receive monthly cash payments in lieu of in-kind housing benefits. Over 1,300 state employees receive some form of educational assistance from their employing agencies digital.library.unt.edu/ark:/67531/metadc821158/
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/
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 the Elderly: Legislation in the 106th Congress
No Description digital.library.unt.edu/ark:/67531/metacrs995/
VA Housing: Guaranteed Loans, Direct Loans, and Specially Adapted Housing Grants
This report discusses three types of housing assistance-the loan guaranty program, direct loan programs, and Specially Adapted Housing program-their origins, how they operate, and how they are funded. The report also has a section that discusses the default and foreclosure of VA-guaranteed loans. digital.library.unt.edu/ark:/67531/metadc85414/
An Introduction to the Design of the Low-Income Housing Tax Credit
This report discusses the Low-Income Housing Tax Credit (LIHTC), which is a federal provision that reduces the income tax liability of taxpayers claiming the credit. These taxpayers are typically investors in real estate development projects that have traded cash for the tax credits to support the production of affordable housing. The credit is intended to lower the financing costs of housing developments so that the rental prices of units can be lower than market rates, and thus, presumably, affordable. digital.library.unt.edu/ark:/67531/metacrs9134/
H.R. 6076: Home Retention and Economic Stabilization Act of 2008
The Home Retention and Economic Stabilization Act of 2008 would defer foreclosure for eligible mortgage borrowers for up to 270 days. If passed, the bill would give extra time to some borrowers and lenders to consider alternatives to foreclosure, including traditional loss mitigation and participation in the new Federal Housing Administration (FHA) program for refinancing troubled loans. Some policymakers believe that a moratorium on foreclosures could help stabilize housing markets and alleviate problems from the subprime financial turmoil. This report explores this issue in detail and analyzes the individual aspects of the relevant legislation. digital.library.unt.edu/ark:/67531/metacrs10787/
An Introduction to the Low-Income Housing Tax Credit
This report discusses the low-income housing tax credit (LIHTC) program, which is one of the federal government’s primary policy tools for encouraging the development and rehabilitation of affordable rental housing. These non-refundable federal housing tax credits are awarded to developers of qualified rental projects via a competitive application process administered by state housing finance authorities. digital.library.unt.edu/ark:/67531/metadc820968/
An Introduction to the Design of the Low-Income Housing Tax Credit
This report discusses the Low-Income Housing Tax Credit (LIHTC), which is a federal provision that reduces the income tax liability of taxpayers claiming the credit. These taxpayers are typically investors in real estate development projects that have traded cash for the tax credits to support the production of affordable housing. The credit is intended to lower the financing costs of housing developments so that the rental prices of units can be lower than market rates, and thus, presumably, affordable. digital.library.unt.edu/ark:/67531/metadc817254/
An Introduction to the Design of the Low-Income Housing Tax Credit
This report discusses the Low-Income Housing Tax Credit (LIHTC), which is a federal provision that reduces the income tax liability of taxpayers claiming the credit. These taxpayers are typically investors in real estate development projects that have traded cash for the tax credits to support the production of affordable housing. The credit is intended to lower the financing costs of housing developments so that the rental prices of units can be lower than market rates, and thus, presumably, affordable. digital.library.unt.edu/ark:/67531/metadc819117/
An Introduction to the Design of the Low-Income Housing Tax Credit
This report discusses the Low-Income Housing Tax Credit (LIHTC), which is a federal provision that reduces the income tax liability of taxpayers claiming the credit. These taxpayers are typically investors in real estate development projects that have traded cash for the tax credits to support the production of affordable housing. The credit is intended to lower the financing costs of housing developments so that the rental prices of units can be lower than market rates, and thus, presumably, affordable. digital.library.unt.edu/ark:/67531/metadc819235/
An Introduction to the Low-Income Housing Tax Credit
This report discusses the low-income housing tax credit (LIHTC) program, which is one of the federal government’s primary policy tools for encouraging the development and rehabilitation of affordable rental housing. These non-refundable federal housing tax credits are awarded to developers of qualified rental projects via a competitive application process administered by state housing finance authorities. digital.library.unt.edu/ark:/67531/metadc808248/
An Introduction to the Design of the Low-Income Housing Tax Credit
This report discusses the Low-Income Housing Tax Credit (LIHTC), which is a federal provision that reduces the income tax liability of taxpayers claiming the credit. These taxpayers are typically investors in real estate development projects that have traded cash for the tax credits to support the production of affordable housing. The credit is intended to lower the financing costs of housing developments so that the rental prices of units can be lower than market rates, and thus, presumably, affordable. digital.library.unt.edu/ark:/67531/metadc820505/
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