A new public park for Washington, DC, is spurring collaboration between neighbors and planners to ensure benefits for all. Once completed, the District’s 11th Street Bridge Park will connect the relatively affluent communities surrounding Capitol Hill on the west bank to the much less well-off Anacostia neighborhood on the east bank. The project offers an interesting case study on whether and how local communities can reap the

July 27, 2016
Research Report
 

The July 2016 edition of At a Glance, the Housing Finance Policy Center’s reference guide for mortgage and housing market data, includes updated figures describing housing credit availability, first-time homebuyer share, government-sponsored enterprise risk-sharing transactions, and latest modification activities.

July 27, 2016
Research Report
 

Since the early 1970s, the Office of the Assistant Secretary for Planning and Evaluation (ASPE) has used the Transfer Income Model (TRIM) to assess how social welfare programs affect family incomes and poverty. The Urban Institute has maintained, developed, and used the model under a series of contracts with ASPE. Today’s version of TRIM, TRIM3, simulates over a dozen benefit and tax programs, including detailed cross-program

July 26, 2016
Research Report
 

Relaxing Supplemental Nutrition Assistance Program (SNAP) asset limits through broad-based categorical eligibility increases low-income households’ savings (8 percent more likely to have at least $500) and participation in mainstream financial markets (5 percent more likely to have a bank account); it also reduces SNAP churn (26 percent). Taken together, relaxed asset limits increase households’ financial security and stability

July 26, 2016
Brief
 

Rising student debt is an important topic for academics and policymakers, but we know little about loans that finance a family member’s education expenses. This study shows that 7 percent of Americans ages 25 to 55 have taken on debt to finance their child’s or grandchild’s education. In addition, we find that while blacks are substantially more likely to obtain debt for their own education, there are no systematic racial

July 25, 2016
Brief
 

This report summarizes evidence on family intervention strategies for youth experiencing or at risk of homelessness, gathered through a literature review and conversations with a few key informants. Research has uncovered a few effective family intervention strategies that provide insight into what makes these strategies successful, but more research is needed to evaluate those targeted to youth experiencing or at risk of

July 22, 2016
Research Report
 

Substantially increasing mobility from poverty means different things to different people. Some goals for reducing poverty and increasing mobility may sound ambitious but fall well within historical experience, while others may require levels of economic growth or redistribution that are beyond all precedent. This paper considers different ways to think about mobility from poverty, shows differences in poverty and mobility over

July 21, 2016
Brief
 

Property-Assessed Clean Energy (PACE) loans have been considered senior to the claim on the first mortgage. FHFA and FHA have had reservations about insuring or guaranteeing mortgages on homes with a PACE loan, which has limited PACE product use. On July 19, 2016, FHA and VA clarified how and when it would finance a home with a PACE loan: the lien must be subordinated but could travel with the property. This note explains why

July 20, 2016
Note
 

Under the Affordable Care Act (ACA), states can expand Medicaid eligibility for nonelderly adults up to 138 percent of the federal poverty level (FPL). As of May 2016, 19 states had not expanded Medicaid. We estimate that another 4.8 million uninsured people would gain Medicaid eligibility if the remaining states were to expand Medicaid. If all of the 19 remaining states were to expand Medicaid in 2017, we project that the

July 20, 2016
Brief
 

Data play an integral role in pay for success (PFS) projects. Knowing the kinds of data needed for a successful project, how to collect them, and how they should be used may seem straightforward. But the complexity of early childhood outcome measures and data systems can create challenges.

July 20, 2016
Research Report
 

Setting and pricing outcomes are important steps of every pay for success (PFS) project because they allow partners to quantify the benefits of successful programs. This report describe the types of early childhood education (ECE) outcomes that might be used to establish repayments and offers guidance on how the partners in a PFS project might select an outcome, a measure, and a definition of success that is appropriate for the

July 20, 2016
Research Report
 

To understand the US Interagency Council on Homelessness’s (USICH’s) role in the nation’s efforts to end homelessness and potential effects of the agency’s planned termination in 2017, we interviewed more than 40 federal and local stakeholders across the public, private, and nonprofit sectors. Tasked with coordinating the federal response to homelessness, USICH is perceived as uniquely positioned to help federal, state, and

July 18, 2016
Brief
 

Drawing from a wide range of data and sources, the Q2 2016 Detroit Housing Tracker monitors the latest developments in Detroit housing and community development. Updated quarterly, this publication has two sections. Detroit Housing Market Trends presents comprehensive market indicators, including sales prices and volumes, rental prices, household equity level, delinquencies and foreclosures, and general labor market conditions.

July 15, 2016
Brief
 

This report measures the net and accessible housing wealth of Americans with owner-occupied homes using the latest consumer credit data supplemented with data from public property records and the American Community Survey’s Public Use Microdata Sample. This report calculates geographic differences and age patterns in household wealth and how much net housing wealth is accessible. Of the $11 trillion in net housing wealth, about

July 14, 2016
Research Report
 

The federally facilitated health insurance marketplace is encouraging insurers to offer standardized benefit designs in 2017. In doing so, the FFM is following the path of several state based marketplaces (SBMs) that require insurers to offer standardized health plans. Through an analysis of policy guidance, marketplace websites, and interviews with key stakeholders, this paper explores the experiences of SBMs that have required

July 14, 2016
Research Report
 

Linda Blumberg testified before the House Oversight and Government Reform Subcommittee on Health Care, Benefits, and Administrative Rules during a hearing titled “From Premium Increases to Failing Co-ops: An Obamacare Checkup.” Blumberg discussed the successes to-date of the Affordable Care Act and identified two policy priorities to improve the law: increasing competition in nongroup insurance markets where it is lacking and

July 13, 2016
Testimony
 

Cities are engines of economic growth that provide spaces for social transformation and political inclusion. Their ability to deliver widely accessible and efficiently functioning public services drives productivity and sustains development. We design and apply an assessment framework to 42 cities in 14 African and Asian countries to better understand the functional, administrative, and political dimensions determining the

July 13, 2016
Research Report
 

In a March 2016 letter, Senators Jeb Hensarling and Richard Shelby expressed concern that changes contemplated by the Federal Housing Finance Agency and US Department of Housing and Urban Development (HUD) to their nonperforming loan sales programs would reduce private sector participation. This letter quoted a January 2016 report by Laurie Goodman and Dan Magder that proposes that private sector participation in the bulk note

July 11, 2016
Note
 

Eight years after Fannie Mae and Freddie Mac were placed into conservatorship, the conversation about their future is stuck. As we inch closer to electing a new president and to the start of a new Congress, it is time for an open-minded look at the housing finance system and what role, if any, today’s government-sponsored enterprises might play in the future. To help evaluate this critical issue, the Urban Institute’s Housing

July 11, 2016
Research Report
 

By 2003, the savings and asset-building field had achieved critical research and policy successes. However, there were few organizations of color in the field and few experts of color at decisionmaking tables. Over 11 years, the Ford Foundation developed a strategy to understand the knowledge and perspective of communities of color about saving and wealth building, and to include this perspective within the asset-building field

July 7, 2016
Journal Article
 

The number of rural hospital closures has increased significantly in recent years. This trend is expected to continue, raising questions about the impact the closures will have on access to health care services in rural communities. To investigate the factors that contribute to rural hospital closures and the impact of those closures on access to health care in rural communities, the Kaiser Commission on Medicaid and the

July 7, 2016
Research Report
 

C. Eugene Steuerle testified before the House Judiciary Committee’s Task Force on Executive Overreach during a hearing titled “The Federal Government on Autopilot: Mandatory Spending and the Entitlement Crisis.” Steuerle discussed the decline of “fiscal democracy” (i.e., the percentage of current revenues that is precommitted to programs that require no vote by Congress) over the past several decades because of automatic

July 6, 2016
Testimony
 

Under the Affordable Care Act, if one family member has an employer offer of single coverage deemed to be affordable—that is, costing less than 9.66 percent of family income in 2016—then all family members are ineligible for tax credits for Marketplace coverage, even if the cost of providing coverage to the whole family is greater than 9.66 percent of income. More than six million people live in such families and as a result are

July 6, 2016
Journal Article
 

Enrollment in early childhood education programs can be an important stepping stone to higher educational achievement. The Early Childhood Education Division in the DC Public Schools (DCPS) has identified school attendance patterns and absenteeism as areas in need of improvement for meeting school-readiness goals. This report examines the extent to which attendance patterns in DCPS’s Title I school–based Head Start programs

June 30, 2016
Research Report