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 Collection: Congressional Research Service Reports
The Department of Energy's Weatherization Assistance Program
The U.S. Department of Energy’s (DOE) Weatherization Assistance Program (WAP) is one of the largest energy conservation programs in the nation. The DOE program is implemented in all 50 states, the District of Columbia and Native American Tribes. It weatherizes an average of 70,000 dwellings per year. The program strives to increase the energy efficiency of dwellings occupied by low-income persons in order to reduce their energy consumption and lower their fuel bills. It targets vulnerable groups including the elderly, people with disabilities, and families with children. digital.library.unt.edu/ark:/67531/metacrs2681/
The Weatherization Assistance Program: A Fact Sheet
No Description digital.library.unt.edu/ark:/67531/metacrs10007/
"Robo-Signing" and Other Alleged Documentation Problems in Judicial and Nonjudicial Foreclosure Processes
Recent depositions involving major servicers, including GMAC Mortgage, J.P. Morgan Chase, and Wells Fargo, have raised concerns about "robo-signing" -- the practice of having a small number of individuals sign a large number of affidavits and other legal documents submitted to courts and other public authorities by mortgage companies to execute foreclosure. This report explores concerns related to these issues by explaining the mortgage market process, procedural problems that have surfaced during foreclosure proceedings, and other relevant information. digital.library.unt.edu/ark:/67531/metadc29633/
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/
Homeless in America
This report discusses questions dealing with the number of homeless Americans as well as trends in society's attitudes toward such people. The incidence of mental illness and the appropriateness, or lack thereof, of deinstitutionalization for such patients is another aspect of the problem which is covered in this packet. A CRS report gives an overview of the situation and of the Federal response. digital.library.unt.edu/ark:/67531/metacrs9047/
The Runaway and Homeless Youth Program: Administration, Funding, and Legislative Actions
No Description digital.library.unt.edu/ark:/67531/metacrs9986/
The Runaway and Homeless Youth Program: Administration, Funding, and Legislative Actions
No Description digital.library.unt.edu/ark:/67531/metacrs9962/
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/
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/
Military Construction: Analysis of the President's FY2012 Appropriations Request
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/metadc40121/
Military Housing Privatization Initiative: Background and Issues
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Military Construction: A Snapshot of the President's FY2013 Appropriations Request
This report looks at President Obama's FY2013 budget request, which included an $11.2 billion for military construction appropriations. digital.library.unt.edu/ark:/67531/metadc93925/
Military Construction: A Snapshot of the President's FY2013 Appropriations Request
This report looks at President Obama's FY2013 budget request, which included an $11.2 billion for military construction appropriations. digital.library.unt.edu/ark:/67531/metadc93924/
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/
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/
Military Construction, Military Quality of Life and Veterans' Affairs, FY2007 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 House Military Quality of Life and Veterans Affairs and Senate Military Construction and Veterans Affairs Appropriations Subcommittees. It summarizes the status of the bill, its scope, major issues, funding levels, and related congressional activity, and is updated as events warrant. digital.library.unt.edu/ark:/67531/metacrs10844/
Military Construction, Military Quality of Life and Veterans' Affairs, FY2007 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 House Military Quality of Life and Veterans Affairs and Senate Military Construction and Veterans Affairs Appropriations Subcommittees. It summarizes the status of the bill, its scope, major issues, funding levels, and related congressional activity, and is updated as events warrant. digital.library.unt.edu/ark:/67531/metacrs9431/
Military Construction, Military Quality of Life and Veterans' Affairs, FY2007 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 House Military Quality of Life and Veterans Affairs and Senate Military Construction and Veterans Affairs Appropriations Subcommittees. It summarizes the status of the bill, its scope, major issues, funding levels, and related congressional activity, and is updated as events warrant. digital.library.unt.edu/ark:/67531/metacrs9423/
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/
Private Mortgage Insurance: Cancellation Options
No Description digital.library.unt.edu/ark:/67531/metacrs447/
Rural Housing: USDA Disaster Relief Provisions
No Description digital.library.unt.edu/ark:/67531/metacrs7750/
VA-Home Loan Guaranty Program: An Overview
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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/
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/
Effects of Flat Taxes and Other Proposals on Housing: An Overview
Studies have estimated that some of these revisions would cause a decline in demand for houses and significant reduction in house prices--perhaps in excess of 15 percent. These studies, however, presumed a fixed supply of housing; even a limited supply response would greatly decrease predicted asset price effects. Supply response is likely to be large in the long run and not insignificant in the short run. Effects on housing demand might also be mitigated by increases in savings rates and lower interest rates. Thus, effects of the flat tax on housing prices are likely to be limited in the short run and very small in the long run. Rental housing demand, on the other hand, would be encouraged with a shift to a consumption tax base. digital.library.unt.edu/ark:/67531/metacrs359/
The Flat Tax and Other Proposals: Effects on Housing
No Description digital.library.unt.edu/ark:/67531/metacrs360/
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/
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/
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/
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/
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/
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/
Fundamental Tax Reform: Options for the Mortgage Interest Deduction
No Description digital.library.unt.edu/ark:/67531/metacrs7300/
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/
Fannie Mae and Freddie Mac in Conservatorship
On September 7, 2008, the Federal Housing Finance Agency (FHFA) placed Fannie Mae and Freddie Mac, two government-sponsored enterprises (GSEs) that play a critical play in the U.S. home mortgage market, in conservatorship. As conservator, the FHFA has full powers to control the assets and operation of the firms. Dividends to common and preferred shareholders are suspended, but the U.S. Treasury has put in place a set of financing agreements to ensure that the GSEs continue to meet their obligations to holders of bonds that they have issued or guaranteed. This means that the U.S. taxpayer now stands behind about $5 trillion of GSE debt. This report provides basic information on the GSEs, the government intervention, and the potential cost to the taxpayer. digital.library.unt.edu/ark:/67531/metacrs10792/
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/
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/
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/
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/metadc26135/
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/
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 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/
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/
Relocating to the Washington, D.C. Metropolitan Area: Sources of Information
No Description digital.library.unt.edu/ark:/67531/metacrs1822/
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/
Financing Catastrophic Risk: Summary of the Homeowners' Defense Act of 2009 (S. 505 and H.R. 2555)
This report discusses the drastic increase in demand for homeowners' insurance in Atlantic and Gulf Coast states following the devastation of Hurricane Katrina in 2005. This report also discusses various measures and efforts underway to enhance insurer capacity, pursue alternative forms of risk transfer, and create a national catastrophe financing facility, the last of which is an issue under considerable debate. digital.library.unt.edu/ark:/67531/metadc26174/
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/
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/
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/
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/