The report describes potential applications of geographic information systems (GIS) and spatial analysis by HUD's Office of Policy Development and Research for understanding housing needs, addressing broader issues of urban poverty and community development, and improving access to information and services by the many users of HUD's data. It offers a vision of HUD as an important player in providing urban data to federal initiatives towards a spatial data infrastructure for the nation.

Housing is crucial to the quality of life and wellbeing for individuals and familes, but the availability of adequate or affordable housing also plays a vital role in community economic development. Rural areas face a substantial disadvantage compared to urban areas in regard to housing, and this book explores these issues. Rural Housing and Economic Development includes chapters from nationally known experts from throughout the U.S. to provide insight to help understand and address the difficult housing concerns within rural areas. The chapters cover a variety of issues including housing for rural minorities, the extent of and problems associated with mobile home dwelling, the extent to which affordable rental housing is available in rural areas, the rapidly growing elderly population, and the housing consequences of rapid population and economic growth associated with energy development. The authors not only describe various housing problems, but also suggest policy approaches to more effectively address them. This book will be a vital resource to policy makers at the local, state or national level as they grapple with difficult rural housing problems. Researchers and professionals dealing with housing issues will also benefit from the insights of these experts while the book will also be appropriate for upper level undergraduates or graduate students in courses on housing or economic development.

LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.

Few United States government programs are as controversial as those designed to aid the poor. From tax credits to medical assistance, aid to needy families is surrounded by debate—on what benefits should be offered, what forms they should take, and how they should be administered. The past few decades, in fact, have seen this debate lead to broad transformations of aid programs themselves, with Aid to Families with Dependent Children replaced by Temporary Assistance to Needy Families, the Earned Income Tax Credit growing from a minor program to one of the most important for low-income families, and Medicaid greatly expanding its eligibility. This volume provides a remarkable overview of how such programs actually work, offering an impressive wealth of information on the nation's nine largest "means-tested" programs—that is, those in which some test of income forms the basis for participation. For each program, contributors describe origins and goals, summarize policy histories and current rules, and discuss the recipient's characteristics as well as the different types of benefits they receive. Each chapter then provides an overview of scholarly research on each program, bringing together the results of the field's most rigorous statistical examinations. The result is a fascinating portrayal of the evolution and current state of means-tested programs, one that charts a number of shifts in emphasis—the decline of cash assistance, for instance, and the increasing emphasis on work. This exemplary portrait of the nation's safety net will be an invaluable reference for anyone interested in American social policy.

Mention the Department of Housing and Urban Development and the word scandal comes to mind. When it comes to recent history, the association is quite accurate; in 1989-90 congressional panels were investigating -abuses, favoritism, and mismanagement- at HUD; in 1954 HUD's predecessor, the Federal Housing Administration, was targeted by the FBI for involvement in fraudulent home-improvement schemes; in the 1970s HUD was scrutinized for lax lending standards, blatant overappraisals, and shoddy housing. In this ground-breaking volume, Irving Welfeld, a senior analyst with HUD, describes and explains these sensational episodes as well as a series of hidden blunders that have cost taxpayers billions of dollars. In this thorough, firsthand account, Welfeld provides not only soundly documented history, but analyses of events that arrive at different interpretations than Congress reached in its investigations. Throughout, his readings ask hard and probing questions: Where were the overseers--the media, Congress, the General Accounting Office, the Office of Management and Budget? To what extent is poor management the root cause of HUD's failures? Will tighter regulation help in keeping out corruption? After his comprehensive survey of the scene, Welfeld goes the final step and offers solutions: a set of programs that would minimize secrecy on the part of federal administrators and the temptation to abuse the public trust. Most importantly, the programs outlined here will enable HUD to more effectively fulfill its mission to see that there is decent affordable housing for all Americans. HUD Scandals will be of interest to scholars of public administration, political scientists, and analysts of housing issues.