Congressional Research Service Reports - 349 Matching Results
Search Results
- Section 811 and Other HUD Housing Programs for Persons with Disabilities
- No Description Available.
- "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.
- 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.
- 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.
- Section 202 and Other HUD Rental Housing Programs for Low-Income Elderly Residents
- No Description Available.
- The LIHEAP Formula: Legislative History and Current Law
- This Congressional Research Service Report for Congress contains information about the Low Income Home Energy Assistance Program (LIHEAP). LIHEAP provides funds to states, the District of Colombia, U.S territories and commonwealths, and Indian tribal organizations (collectively referred to as grantees) primary to help low-income households pay home energy expenses.
- 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.
- The LIHEAP Formula: Legislative History and Current Law
- This report discusses two types of formulas used to allocate funding to the Low Income Home Energy Assistance Program (LIHEAP). The two formulas are used in regards to two types of funding: regular and contingency.
- Preservation of HUD-Assisted Housing
- No Description Available.
- 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.
- 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.
- 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.
- Section 202 and Other HUD Rental Housing Programs for Low-Income Elderly Residents
- No Description Available.
- The First-Time Homebuyer Tax Credit
- No Description Available.
- 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.
- The Housing Trust Fund: Background and Issues
- This report describes the Housing Trust Fund and discusses potential funding sources.
- Section 811 and Other HUD Housing Programs for Persons with Disabilities
- No Description Available.
- The Department of Housing and Urban Development: FY2010 Appropriations
- No Description Available.
- 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.
- 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.
- Veterans and Homelessness
- The current conflicts in Iraq and Afghanistan have brought renewed attention to the needs of veterans, including the needs of homeless veterans. As the number of veterans increases due to the current wars, there is concern that the number of homeless veterans could rise commensurately. The current economic downturn also has raised concerns that homelessness could increase among all groups, including veterans. Several issues regarding veterans and homelessness have become prominent, in part because of the current conflicts, which this report discusses in detail.
- The LIHEAP Formula: Legislative History and Current Law
- This Congressional Research Service Report for Congress contains the history, enactment, and fund determination for the Low Income Home Energy Assistance Program (LIHEAP).
- 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.
- Section 811 and Other HUD Housing Programs for Persons with Disabilities
- No Description Available.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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."
- Community Service Requirement for Residents of Public Housing
- This report discusses the Legislative History. It also points out the Quality Housing and Work Responsibility Act of 1998 that was offered as an amendment to the FY1999 Departments of Veterans Affairs.
- The Department of Housing and Urban Development: FY2009 Appropriations
- No Description Available.
- 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.
- 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.
- Housing and Economic Recovery Act of 2008
- This report provides background information and overview on the Housing and Economic Recovery Act of 2008.
- The New GSE Affordable Housing Funds: The Housing Trust Fund and the Capital Magnet Fund
- No Description Available.
- The LIHEAP Formula: Legislative History and Current Law
- This Congressional Research Service Report for Congress contains the history, enactment, and fund determination for the Low Income Home Energy Assistance Program (LIHEAP).
- 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.
- Housing Issues in the 110th Congress
- No Description Available.
- 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.
- 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.
- 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.
- U.S. Foreign Aid to the Palestinians
- 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. These interventions have prompted questions regarding the taxpayer costs and the sources of funding. The federal government may or may not end up seeing a positive fiscal contribution from the recent interventions. The results of previous government financial interventions are summarized in this report.
- The Americans with Disabilities Act: Supreme Court Decisions
- This report is on The Americans with Disabilities Act: Supreme Court Decisions.
- Alternative Mortgages: Causes and Policy Implications of Troubled Mortgage Resets in the Subprime and Alt-A Markets
- This report deals with the Causes and Policy Implications of Troubled Mortgage Resets in the Subprime and Alt-A Markets of Alternative Mortgages.
- The Emergency Economic Stabilization Act's Insurance for Troubled Assets
- Many observers trace the root cause of recent instability in financial markets to uncertainty surrounding the value of widely held securities that are based on mortgages and mortgage-related assets. The introduction of the Emergency Economic Stabilization Act of 2008 (EESA) was designed to address said financial instability through a variety of measures, including an insurance program for "troubled assets." This report briefly summarizes and analyzes the insurance program contained in the enacted version of the EESA.
- FHA-Insured Home Loans: An Overview
- No Description Available.
- Housing and Economic Recovery Act of 2008
- No Description Available.
- Financial Market Intervention
- Financial markets continue to experience significant disturbance and the banking sector remains fragile. Efforts to restore confidence have been met with mixed success thus far. After attempting to deal with troubled institutions on a case-by-case basis, Treasury has proposed a plan to purchase mortgage-related assets to alleviate stress in financial markets and in the banking system. This report provides answers to some frequently asked questions concerning the financial disruptions of September 2008 and the Troubled Asset Relief Program (TARP) in H.R. 3997.
- The Resolution Trust Corporation: Historical Analysis
- In a 1989 legislative response to financial troubles in the thrift industry, the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA, P.L. 101-73) was enacted. FIRREA's principal mission was to conduct a partially tax-payer funded program to address the troubles of the nation's many insolvent thrifts. To do so, it established a new entity, the Resolution Trust Corporation (RTC), whose mission was to address troubled thrifts by arranging their sale to other institutions or shuttering them and disposing of their assets. This report analyzes the creation and functions of the RTC, including criticisms and results of its actions.