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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.
Federal Home Loan Banks Significantly Reduce the Risk of Financial Crises New research finds that banks rely more heavily on FHLBank advances during times of stress, reducing their likelihood of failure. As a result, the Federal Home Loan Banks significantly increase the banking system’s financial stability, adding value of $13.2 to $21.4 billion each year.Six Questions to Evaluate the White House’s Proposal to Extend Affordable Care Act Enhanced Premium Tax Credits With consumers already seeing higher premiums from imminently expiring enhanced premium tax credits, federal policymakers will need to ensure that any plan can be operationalized quickly and doesn’t make health care less affordable for Americans.HUD Policy Change Could Push 4,000 Veterans with Disabilities Out of Housing In the past decade, the number of veterans experiencing homelessness on any given night has been cut in half, but a new US Department of Housing and Urban Development policy threatens to undermine that progress.HUD’s English-Only Directive Could Hurt the Federal Housing Administration’s Mission and Financial Health Serving multilingual borrowers is good for consumers and the housing finance system. Amid federal changes, public and private mortgage industry participants can help fill language gaps.About Six Million Americans Have Fallen Behind on Student Loan Payments, a Return to Prepandemic Levels Two years after student loan payments have resumed, millions of Americans are once again behind on their student loans.Three Facts Communities Should Know about Unsheltered Homelessness and the Joint Transitional Housing/Rapid Re-Housing Model Over the past decade, the number of people experiencing unsheltered homelessness rose nearly 60 percent. New research sheds light on how TH/RRH could alleviate the problem.
