Housing the Urban Poor: A Critical Evaluation of Federal Housing Policy.

1976 ◽  
Vol 5 (4) ◽  
pp. 534
Author(s):  
Charles Stephenson ◽  
Arthur P. Solomon ◽  
John Nelson Tarn
Keyword(s):  
Housing Policy ◽  
Urban Poor ◽  
Critical Evaluation ◽  
Federal Housing

scholarly journals Landlord Paternalism: Housing the Poor with a Velvet Glove

2020 ◽  
Author(s):  
Eva Rosen ◽  
Philip M E Garboden
Keyword(s):  
Housing Policy ◽  
Affordable Housing ◽  
Urban Poor ◽  
Moral Reform ◽  
Social Good ◽  
The Poor ◽  
Self Reliance ◽  
Poor Families ◽  
Federal Housing

Abstract Private landlords play an important role in America’s poverty governance, with profound effects on poor families and neighborhoods. Drawing on data from interviews with 127 landlords in Baltimore, Dallas, and Cleveland, we ask how landlords understand their role as purveyors of affordable housing. We find that landlords think about their tenants in moral terms, drawing upon cultural categories to describe and define their tenants. Landlords see renting to the urban poor as a social good insofar as it facilitates housing those in need on the condition of their moral reform. We identify two components of this strategy: exclusion and reform. Landlords pursue profit through exclusionary tactics such as screening and eviction. While recent research has focused on this component, this article explores how landlords also invest resources in “training” tenants, attempting to mold them into a profitable ideal, rather than replacing them. Using both incentives and surveillance, landlords seek to create a tenant class that conforms to mainstream notions of responsibility and self-reliance. We argue that exclusion and reform are complementary components of paternalistic poverty governance. Landlord paternalism carries special salience in today’s increasingly privatized federal housing policy, where landlords have a great deal of discretion and little oversight.

Misconceptions about the Urban Poor and the Dynamics of Housing Policy Evolution

1987 ◽  
Vol 6 (3) ◽  
pp. 187-196 ◽  
Author(s):  
Janice E. Perlman
Keyword(s):  
Housing Policy ◽  
Urban Poor ◽  
Third World ◽  
World Cities ◽  
Policy Evolution ◽  
Common Misconceptions

This paper identifies five common misconceptions about the urban poor in Third World cities and traces their affect on housing policy. Prospects for a successful housing strategy are suggested.

scholarly journals Municipal finance for housing: local government approaches to financing housing in cities

2019 ◽  
Author(s):  
Christopher Feather
Keyword(s):  
Fiscal Policy ◽  
Local Government ◽  
Housing Policy ◽  
Affordable Housing ◽  
Local Governments ◽  
Urban Poor ◽  
Decision Makers ◽  
Municipal Finance ◽  
Housing Needs ◽  
National Governments

Housing policy is usually seen as the domain of national governments, and in many countries local authorities have relinquished direct engagement in the promotion of adequate housing. High costs associated with related policies and programmes are often cited as justification for minimal involvement, leading to fewer community-level interventions on affordable formal housing. This article presents financial approaches for local government leaders and decision-makers to consider in furthering affordable access to adequate housing for their citizens. The article argues that when local governments engage on housing with innovation and financial pragmatism, the housing needs of the urban poor and vulnerable can be better served. KeywordsMunicipal finance, local government, affordable housing, fiscal policy, cities, capacity-building

Holding banks to account for the financial crisis?

2015 ◽  
Vol 23 (1) ◽  
pp. 45-69
Author(s):  
Oonagh Anne McDonald
Keyword(s):  
Financial Crisis ◽  
Housing Policy ◽  
Careful Analysis ◽  
Careful Examination ◽  
Department Of Justice ◽  
Content Type ◽  
Federal Housing ◽  
The Usa ◽  
The Government ◽  
Run Up

Purpose – The purpose of this paper is to examine the ways in which the USA has sought to hold the leading banks to account for the financial crisis and to asses the validity of the methods used. This is the first of two articles which looks at the basis of the Complaints against the banks and the settlements which led to the imposition of large fines on the banks. Design/methodology/approach – The paper first provides an account of the government housing policy from 1995 to 2008 and argues that the cases brought against the banks and then at the legal basis of the charges. The methodology consists of a careful examination of the documentary evidence and an analysis of the changes in the relevant laws used by the Department of Justice when bringing charges against the banks. Findings – The paper concludes that both the basis of the cases against the banks and the purpose of large fines are open to question. Research limitations/implications – Much of the information is available. However, as the major cases against the large banks did not go the court, and the basis of the fines is a settlement between the bank and the Department of Justice, each fine is supported by a relatively brief “Statement of the Facts”. The evidence amassed by subpoenas issued by the Department of Justice is not tested in court. Practical implications – Much greater consideration must be given to more effective ways of holding banks and especially senior executives to account. Social implications – The imposition of large fines does not satisfy the public desire to see that justice is done. Such fines imposed on the ban are not likely to change bank behaviour. Originality/value – Its originality lies in setting out an account of government housing policy and its role in the run-up to the financial crisis. No one has carried out a careful analysis of the cases against the large banks brought by the Department of Justice and, in the second article, by the Federal Housing Finance Agency.

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