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Articles and analysis on today's issues
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To use AI tools effectively, local leaders must optimize documents and information for AI, implement guardrails, and rely on human expertise to evaluate risks and benefits.
HUD’s Family Unification Program Works—But How Communities Implement the Program Matters We offer four ways federal, state, and local policymakers can better implement the Family Unification Program and provide more children the opportunity to grow up in a safe, stable environment.Incarcerated Worker Cooperatives Are a Promising Step to Improving the Criminal Legal System Evidence shows incarcerated worker co-ops build skills, develop social capital and assets, lower recidivism rates, and generate long-term, community-wide benefits.How Local Governments Can Support Small Businesses Struggling with Economic Uncertainty and High Costs San Francisco offers an example model for other cities seeking to create the local regulatory environment necessary for small businesses to thrive.Portable Mortgages Could Alleviate Homeowner Lock-In but Come with Challenges and Do Not Solve the Housing Supply Problem Portable mortgages offer current homeowners flexibility and savings on origination costs, but widespread implementation would be difficult, would raise interest rates, and would not solve housing affordability.Four Reasons Assumable Mortgages are Unlikely to Stimulate the Housing Market Assumable mortgages are a sound idea in theory, but they would likely result in higher monthly payments for borrowers without alleviating supply concerns.Which Communities Stand to Lose the Most Business and Tax Revenue if Social Security Benefits Are Cut? If Social Security benefits are reduced, not only will people and families face hard decisions, but states and local businesses may also see increased budgetary pressures.
