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 Collection: Congressional Research Service Reports
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/
FHFA's Administrative Reform of Fannie Mae, Freddie Mac, and the Housing Finance System
This report discusses housing finance reform and structural changes enacted by the Federal Housing Finance Agency (FHFA), particularly in relation to government-sponsored enterprises (GSEs). It includes sections on GSEs and conservatorship; FHFA reforms broken down into information about risk-sharing transactions, a common securitization platform, and single security; and Congressional action on GSE reform. digital.library.unt.edu/ark:/67531/metadc855808/
Selected Legislative Proposals to Reform the Housing Finance System
The 113th Congress has seen several developments in the effort to reform the housing finance system. In the House, the Protecting American Taxpayers and Homeowners Act of 2013 (PATH Act; H.R. 2767) was ordered to be reported out of the House Financial Services Committee on July 24, 2013. This report will briefly explain the different approaches to housing finance reform offered by these legislative proposals, focusing on efforts to replace Fannie Mae and Freddie Mac and reform FHA. The report does not describe every provision of the proposals but discusses major concepts and themes. digital.library.unt.edu/ark:/67531/metadc821545/
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/
Predatory Lending: Background on the Issue and Overview of Legislation in the 106th Congress
This report presents an overview of the predatory lending issue, a summary of present law, a summary of joint HUD and Treasury recommendations to address the issue, and a side-by-side summary of five bills introduced in the 106th Congress that addressed the issue. Though no action occurred on these bills, the issue is expected to continue in the 107th Congress. digital.library.unt.edu/ark:/67531/metadc822710/
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/
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/metadc818152/
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/metadc821493/
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/
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/
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/
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/
Coming to Washington, D.C.? Sources of Information on Temporary Housing
This report will introduce a newcomer to the Washington, D.C., metropolitan area to sources of general interest, neighborhoods, housing, and public transportation. The intended audience is congressional staff needing short-term or summer housing, although many of the sources given may also be helpful for those needing more than a three- to six-month lease. Sources suggested are often accessible by their Internet addresses. digital.library.unt.edu/ark:/67531/metacrs3153/
Coming to Washington, D.C.? Sources of Information on Temporary Housing
This report will introduce a newcomer to the Washington, D.C., metropolitan area to sources of general interest, neighborhoods, housing, and public transportation. The intended audience is congressional staff needing short-term or summer housing, although many of the sources given may also be helpful for those needing more than a three- to six-month lease. Sources suggested are often accessible by their Internet addresses. digital.library.unt.edu/ark:/67531/metacrs5017/
Relocating to the Washington, D.C. Metropolitan Area: Sources of Information
No Description digital.library.unt.edu/ark:/67531/metacrs1822/
Private Mortgage Insurance: Cancellation Options
No Description digital.library.unt.edu/ark:/67531/metacrs447/
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/
Federal Real Property: Inventory and Disposal Initiatives
This report provides background and discusses the inventory and disposal of public lands and other Federal property. For many years the Federal Government has operated under a statutory policy of retaining public domain lands and has disposed of the proceeds from the sale of surplus property other than by the reduction of the national debt. Under the present system, the Government disposes of some types of land when it is determined to be surplus to Government needs, or, in the case of public lands, when it is determined that the national interest would best be served by the sale or exchange of particular tracts of land. digital.library.unt.edu/ark:/67531/metacrs8830/
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/
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/
Subprime Mortgages: Primer on Current Lending and Foreclosure Issues
This report discusses the issue of subprime mortgages, which are loans extended to borrowers with weak credit profiles. Subprime mortgages entail higher risk of delinquency and default. Recent increases in subprime borrower foreclosures and lender bankruptcies have prompted concerns that some lenders’ underwriting guidelines are too loose and that some borrowers may not have fully understood the risks of the mortgage products they chose. Regulatory agencies are revisiting the guidance they provide lenders and are reevaluating required disclosures to consumers. In addition, Congress is holding hearings on the subject and may consider consumer protection legislation. digital.library.unt.edu/ark:/67531/metadc822725/
Immigration: Noncitizen Eligibility for Needs-Based Housing Programs
The issue of noncitizen eligibility for federally funded programs, including needs-based housing programs, is a perennial issue in Congress. Noncitizen eligibility varies among the needs-based housing programs administered by the U.S. Department of Housing and Urban Development (HUD), such as Public Housing, Section 8 vouchers and project-based rental assistance, homeless assistance programs, housing for the elderly (§202) and the disabled (§811), the HOME program, and the Community Development Block Grants (CDBG) program. Two laws govern noncitizen eligibility for housing programs: Title IV of the Personal Responsibility and Work Opportunity Reconciliation Act of 1996 (Welfare Reform) and Section 214 of the Housing and Community Development Act of 1980, as amended. There has been congressional interest regarding the implementation of the eligibility requirements for housing programs. Specifically, questions have been raised as to the documentation requirements placed on both citizens and noncitizens in determining eligibility for housing programs. The documentation requirements are dependent on (1) the housing program, (2) the citizenship status of the applicant, and (3) the age of the applicant. digital.library.unt.edu/ark:/67531/metadc87262/