The Housing Act Of 1949

The Housing Act of 1937, also known as the Wagner-Seagull Act. The Act provides subsidies paid from the U.S. government to local public housing agencies. The purpose is to improve living conditions for low income families (The Housing Act of 1937, 2011). According to writes D. Bradford Hunt, historians miss-understood the intent of the Housing Act of 1937. The Act was known to be the housing program comprised by amendments originating from real estate and conservative interests. Rather the 1937 Housing Act

“Racial tension became paramount as city officials promoted and perpetuated racial division by supporting segregation and discrimination in housing, employment, and social services” (Massey & Denton 39). Various types of residential controls contributed to the problem of residential segregation. One such tool for segregation was the establishment of zoning. Zoning was introduced in New York City in 1916 and encouraged by the U.S. Department of Commerce through the publication of the Standard State Zoning Enabling Act in 1922. Zoning proponents argued:

It is often easy to castigate large cities or third world countries as failures in the field of affordable housing, yet the crisis, like an invisible cancer, manifests itself in many forms, plaguing both urban and suburban areas. Reformers have wrestled passionately with the issue for centuries, revealing the severity of the situation in an attempt for change, while politicians have only responded with band aid solutions. Unfortunately, the housing crisis easily fades from our memory, replaced by visions of homeless vets, or starving children. Metropolis magazine explains that “…though billions of dollars are spent each year on housing and development programs worldwide, ? At least 1 billion people

Since the end of the Second World War, the housing market had blossom throughout the nation. Thousands of the American people and veterans were able to finance a home; however, there were many who were not given the same or equal opportunities. In A Matter of Place, the documentary argued that people are still facing housing discrimination in the U.S. Housing discrimination persist because a couple were denied housing due to their race and a man was solely harassed based on his sexual orientation.

The chapter of this book takes us on a tour of our government and housing policies through the twentieth century and how they affected our lives. The first time the American government started intervening with housing was in 1918 when Congress gave 110 million for two programs for housing war workers. Some people, like Senator William Calder of New York, felt that the government was not made to build houses and saw early housing acts like these as opposite to what the government should be doing with it 's power. Despite these feelings

With the impact and push from 1949 Housing Act, the Pruitt-Igoe housing development in St. Louis, Missouri and other high-rise public housing of 50s and 60s became the pioneers of urban renewal movement, and most of them have long recognized as a prototype for the failure of public housing and constantly for well-intentioned governmental policies in general. This essay will look back beyond the impression of the collapse, focusing on exploring the temporal, social, economic and legislative issues, which led to the failure and final death of the public housing.

These series of economic policies, called the New Deal they were very successful during those five years. The Civilian Conservation Corps was created in 1933 to help reduce unemployment.This work relief program provided jobs for many Americans during the Great Depression. The CCC was responsible for building many public works and created structures and trails in parks across the nation.The Federal Housing Administration was a government agency created to help with the housing crisis.The FHA was designed to regulate mortgages and housing conditions.The Home Owner's Loan Corporation was created in 1933 to assist in the refinancing of homes.The Social Security Act was designed to help the widespread poverty among senior

The government is the best audience for the modification of the housing first program because it has the power and resources to make changes for the good of the citizen by the use of the law that is set to protect people’s rights and freedoms. It is an individual’s right to have access to a safe, secure home and habitable home.

Toward the end of the 2015 meeting of the Indiana General Assembly (“Session”), it became evident that a few advocacy organizations were seemingly misinformed and disconnected from IHCDA policy positions. Rather than addressing these issues individually, IHCDA seized the opportunity to develop a much broader working group of advocates and experts that are connected to housing and community development in Indiana. After receiving strong support and encouragement from several organizations, IHCDA formally organized the oracle of advocates and industry experts dubbing it the Indiana Housing and Community Development Coalition (‘Coalition”).

The Federal Housing Administration, otherwise known as the FHA, is a government agency created to help alleviate the case of homelessness in the country. The agency is under the authority of the Department of Housing and Urban Development (HUD), set up in 1934 after the Great Depression. The primary purpose of establishing the FHA is to oversee different insurance programs for single family mortgages, insuring mortgage loans provided by HUD-approved lending institutions. In order to get FHA loans, buyers are required to have a satisfactory credit rating and make a down payment.

The utilization of the Low-Income Housing Tax Credit or LIHTC has had an overall positive effect on housing for low-income families in the United States. Four key outcomes of the LIHTC are: First, there is less likelihood of segregation within the tax-credit housing than in the government provided section 8 and government-subsidized voucher programs (Schwartz, p. 115). Second, the purpose of the program, which was to subsidize mixed income housing to low and working class families, is provisionally being met (Khadduri, Buron, & Lam, p. 10). Third, through decentralization of the implementation of the LIHTC program the federal government allowed the state governments more latitude in the dissemination of the tax credits to appropriate developers (Furman Center, p. 2). Finally, there is a correlation between the areas where LIHTC housing properties are developed in the impact on the sounding region. This correlation is both positive and negative in nature, but heavily is judged on the region that the LIHTC is built in and as to whether it is in an urban center, suburb, or in the metro areas (Deng, pp. 46-48). These four outcomes will guide the body of this paper about the overarching theme of LIHTC as a policy tool as opposed to section 8 housing or government provided housing.

There is still an unusual amount of two million cases of housing discrimination each year (Wikipedia). The National Fair Housing Alliance estimates that number to be closer to 4 million per year. Inappropriately, only seventeen of the cases went to court nationwide between the years 1989 and 1992 (Wikipedia). Studies show that minorities who apply for mortgages still have troubles are there rejected 3 times as much as Caucasians (Wikipedia). For instance, according to one Federal Reserve Board study, among higher income applicants, the denial rates were as high as 21% for African- Americans, 16% for Latinos, 11% for Asians and 8 and Caucasians (Wikipedia). In conclusion, the Fair Housing Act tried it’s best to eliminate housing discrimination and to provide structural equality. However, housing discrimination still exists but it is not as prevalent as it was before the

The major policy initiatives that were implemented by HUD during the Great Depression were different supporting different projects by trying to increase the homeownership. Some of these projects were Fannie and Freddie, State HFA, Emergency Homeowners Loan Program and the First-time Homebuyer Tax Credit. Fannie and Freddie are exclusive, however they do receive assistance from the government. The Emergency Homeowners Loan Program (EHLP) gives help to mortgage holders who encountered a decrease in wage and confronted dispossession because of unemployment, having employment but not making enough to making ends-meet, or an emergency that was medical in nature. A refundable expense credit made accessible to citizens that were obtaining their first home was the First-Time Homebuyer Tax Credit program. The State FHA was another one, The reasons for supporting such activities were to offer some budgetary help to the residents to empower them when they were either getting ready to purchase a home or settle other obligations. The impacts were to keep

This all started with the rise of “Affordable housing”, where a local nonprofit buys a piece of land and build a house for the needy in it. Now that might sound like a great idea for those who are faced with rising house prices in the downtown area, but it is just what those builders want. To push the poor

In 1949, the Urban Redevelopment Act was passed. This act focused on removing residential slums and providing safe and sanitary housing for people. However this Act was not well thought off at all. It was severely criticized as it did not reconstruct the promised 9 new units of low cost housing for every dwelling torn down.