The blog of the Urban Institute
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More than half the people in the US don’t have the resources they need to pay for everyday expenses and save for the future, but the share of people struggling varies across states.
Including Rental Payment History in Underwriting and Credit Scores Could Expand Access to Credit Using alternative data, such as rental payment history, in credit scoring and mortgage underwriting can help people who lack access to traditional financial services build credit and become homeowners.How the Los Angeles Fires Are Compounding the Risk of Homelessness The devastating effects of the fires in Los Angeles pose larger health risks to people experiencing unsheltered homelessness and could put more people at risk of homelessness.Community Voices Can Help Local Governments Prevent Violence Despite violent crime rates falling since 2021, community violence remains a critical national issue. Three recommendations can help create a future without violence by elevating community insights.It’s Legal for Some Employers to Pay Disabled Workers Less Than the Minimum Wage. Ending This Practice Is Just a First Step Toward Supporting Their Economic Stability The Biden administration’s recent proposal to phase out a program that pays disabled people subminimum wages follows decades of state and local actions to end the practice in favor of more inclusive, equitable employment strategies.Access to High-Quality School Facilities Varies Across and Within Districts. Advocates and Policymakers Can Help Close Gaps. Case studies in Allentown, Pennsylvania, and Memphis, Tennessee, show how school facility funding policies shape students’ access to new and well-maintained schools.Can AI Reliably Identify K–12 Students At Risk of Dropping Out? Other States Can Learn from Nevada’s Experience. Nevada recently used artificial intelligence to identify students at risk of dropping out of high school, but the model undercounted by more than 200,000 students, compared with what the state was used to.
