Policy News

  • 02 Mar 2020 9:31 AM | Anonymous member (Administrator)

    INDIANAPOLIS, IN – Today, the Indiana House is scheduled to vote on SB 340. A letter with signatures from nearly 300 organizations and individuals from around Indiana has been sent to the Speaker Brian Bosma and members of the Indiana House of Representatives voicing concern and urging a “No” vote on SB 340. This opposition is in light of the surprise last-minute amendment to the bill on February 24 that will have a significant negative impact on renters across the state.

    Although SB 340’s amendment appears to have been in response to the City of Indianapolis’ new Housing Initiative, it will have statewide impact and applicability. SB 340 gives preference to landlords in a variety of ways. Most sweepingly, it takes away a city’s ability to establish landlord-tenant laws. As a result, it decreases a city’s ability to address disclosure and retaliation violations through fines, allowing more types of retaliation against tenants to occur when reporting concerns. It also awards landlords sued for retaliation, who are successful in court, attorney fees plus damages. In contrast, tenants who win a retaliation suit against their landlord only get to stay in their rental unit under the existing terms and receive one month of rent in compensation, while absorbing all of their legal fees associated with the retaliation case. One of the most basic rights outlawed by the bill is a city’s ability to require that landlords provide renters with information on their legal rights as tenants. SB 340 also makes other problematic changes that overwhelmingly favor landlords.

    Keith Broadnax, Senior Vice President of Business Development at Cinnaire, stated his concerns, “As an investor, lender, and advocate for affordable housing in Indiana, Cinnaire strongly opposes SB 340 and encourages a ‘No’ vote on it. This bill will be detrimental to our Hoosier families who are already struggling to support themselves. The bill removes any fines imposed on landlords who retaliate against tenants and further limits the actions of local authorities to require that tenants be informed of the basic housing rights afforded to them by law.”

    Jessica Love, Executive Director of Prosperity Indiana, said, “At Prosperity Indiana, our work is built around strengthening our communities, and bills like this only tear away at the fabric of family life and local governing power. SB 340 will clip every community’s opportunity to address the bad actors who are only adding to housing instability in this state. To counteract what legislators are being told by some is good public policy, members of our General Assembly need to hear from everyone who believes that SB 340 is an overreach. If not stopped, the bill could be adopted this week. So, the time to speak out is now. Please contact your representative immediately and ask them to vote no and kill this bill.”

    Dr. Sarah Stelzner, a pediatrician and legislative chairman of the Indiana American Academy of Pediatrics shared, “We know these families and children are most vulnerable to experiencing significant health impacting issues in their rental homes, such as mold, infestations, high utility bills, and poorly maintained infrastructure. These families often fear or have experienced retaliation, including eviction, for attempting to address any problems and often have inadequate representation in court. Any eviction filed against them, whether there is a judgement or not, stays on their record and makes it even harder for a family to find quality, affordable housing in the future.  We need to work to reverse the trends that have caused a dramatic increase in evictions, as well as unsafe and unhealthy housing, in a number of Indiana cities and towns. This bill seeks to undermine even local efforts to address rental habitability concerns and retaliatory evictions, which we know are leading social determinants of health.”

    “SB 340 is one of the most harmful housing bills I have seen in my over 20-year housing career,” stated Amy Nelson, Executive Director of the Fair Housing Center of Central Indiana (FHCCI). “Not only does SB 340 modify current law to take away any fines for those landlords who retaliate against tenants with just cause, but it even goes so far as to say that a City cannot even demand that tenants be informed of their most basic housing rights under law, amongst other changes.”

    Info on SB 340: http://iga.in.gov/legislative/2020/bills/senate/340

    Don’t Know Who Your Legislator Is? Go to Find Politicians in our Advocacy Action Center: https://www.prosperityindiana.org/Action-Center

    Learn more on the Prosperity Indiana’s Public Policy Page: https://www.prosperityindiana.org/Policy-Priorities

    ###

    About Indiana Association for Community Economic Development D/B/A Prosperity Indiana

    Prosperity Indiana is a statewide membership organization for the individuals and organizations strengthening Hoosier communities. Prosperity Indiana builds a better future for our communities by providing advocacy, leveraging resources, and engaging an empowered network of members to create inclusive opportunities that build assets and improve lives. Since its founding in 1986, Prosperity Indiana has grown to approximately 200 members from the public, private, and nonprofit sectors.


  • 25 Feb 2020 9:31 AM | Anonymous member (Administrator)

    On Monday, a last-minute amendment to SB 340 passed in the last committee hearing for the House Judiciary committee for this session. The amendment dramatically changes Indiana Landlord/Tenant Law. These harmful changes will stop the current effort in Indianapolis (and possibly other cities) to address the serious rental habitability problems, lack of adequate representation of tenants, and landlord retaliation that occurs when tenants complain about violations of law. 

    However, SB 340 goes even further. The bill:

    • Bans Indiana cities from requiring that tenants be provided information on their legal rights
    • Decreases cities’ ability to address disclosure and retaliation violations through fines, allowing more types of tenant retaliation to occur when contacting the health department or legal services
    • Awards landlords sued for retaliation, who are successful in court, attorney fees plus damages, while winning tenants only get to stay in the unit under the existing terms and receive just one month of rent, while absorbing all of their legal fees associated with the retaliation case
    • Favors landlords’ rights overwhelmingly over tenants’ rights at a time when Indiana is already seeing an eviction crisis fueled by affordability and habitability concerns

    SB 340 could be going to the House floor vote as early as this Thursday (2/27)! If it passes the House, it seems likely the Senate will support the changes, and the bill will go right to the Governor for signature. To STOP this harmful bill from becoming law, we need your help!

    Please contact your House rep and urge a NO vote on SB 340. Don’t know who your House rep is? You can find that info by entering your address under Find Politicians on our Advocacy Action Center.  Make phone calls and send emails ASAP, please! 

    What to say? Speak from your heart on why this legislation should be stopped. Or, if you need any idea, you could say:

    Please vote No on SB 340. The changes to his bill will harm housing options for far too many in our state. Indiana tenants already face significant barriers in their housing options due to lack of affordability, habitability issues, retaliation by bad acting landlords, and lack of legal representation to understand their rights. This bill goes too far in taking options away by cities in ensuring safe housing options. Please vote No!

    Please act today! For your info, attached is the amendment that was made to SB 340. 

    Info on SB 340: http://iga.in.gov/legislative/2020/bills/senate/340

    Some recent press on SB 340 and Indianapolis’ new Housing Initiative, which SB 340 would immediately pre-empt:

  • 24 Jan 2020 10:35 AM | Anonymous member (Administrator)

    What a busy week!  Prosperity Indiana worked with our colleagues on three bills this week dealing with consumer lending, landlord tenant issues and land contracts.  Here is where things stand on those bills:

    SB395 Uniform Consumer Credit Code (Sen. Eric Bassler) –

    This bill was heard in Senate Insurance and Financial Institutions Committee on Wednesday and Mindi Goodpaster testified in opposition on behalf of Prosperity Indiana.  The bill would create a flat 36% rate on any loan regardless of size (think auto loans and second mortgages) and does not address a 36% cap on payday loans, which is what we have been advocating for.  The committee is holding the bill and considering three possible amendments introduced by Senator Walker for vote next week.  One of the amendments would create an annual cap of four payday loans per year and a maximum of eight in a lifetime.  We will wait to see how the bill will be amended before refining our position.

    SB391 Property Matters (Sen. Mike Bohacek) –

    SB 391 was supposed to be heard in Senate Judiciary on Wednesday, but at the last minute was held and the committee is considering amendments for hearing and discussion next week.  The bill contains several concerning provisions that look to limit tenants’ rights and processes for complaints about habitability.  Prosperity Indiana is working with Senator Bohacek to make changes to the bill that address those provisions.

    HB1191 Land Contracts and Landlord-tenant Matters (Rep. Ed Clere) –

    HB1191 is scheduled for a hearing on Monday, Jan 27 at 10:00 a.m. in House Judiciary Committee.  The bill is a streamlined version of HB1495, which passed out of the House in 2019 but died in the Senate.  In an effort to address some of the concerns that killed the bill last year, the main provisions of HB1191 include disclosures by landlords to tenants on liens, habitability issues, etc. and recording requirements so that tenants will be able to make better informed decisions about the property they want to buy and give them further legal recourse in case issues arise with the property.  HB1191 will be amended to take out the landlord-tenant provisions to streamline the bill to improve its likelihood for passage.  Jessica Love will be testifying on behalf of Prosperity Indiana in support of the bill.

    With the end of the first half of session nearing, committees will be wrapping up their hearings next week.  This means that those bills that have been heard will be voted on in their chamber of origin and moving on to the second chamber for consideration.  Those bills that did not receive a hearing will be considered dead.  While not all of Prosperity Indiana’s priorities received hearings thus far, we are encouraged that HB1191 is moving forward and are hopeful about its passage this session.  We will continue to keep you informed and will let you know how you can take action to make this happen. 


    Click here to read our Priority Legislation Report 1-24-2020.pdf


  • 15 Jan 2020 7:38 PM | Deleted user

    Another Statehouse Day is on the books and the 2020 short session of the Indiana General Assembly speeding along! This week, members walked the halls and advocated for critical policy priorities that impact their communities and clients. Legislators engaged in great conversations about the bills most important to our efforts and why it is critical state legislators take action to increase renter protections and reduce evictions, implement consumer protections to combat predatory lending, and increase access to and the supply of affordable housing. Key handouts that outline each of our top priorities can be found below.

    We encourage you to contact your legislators today and speak up in support of these bills. You can find their contact information by entering your zip code on our advocacy action page.

    To follow these and other top bills we are supporting, monitoring, or concerned about this session, click here for our bill tracker. This link will automatically be updated as the final bills are added this week.

    We thank our members who traveled near and far to make their voices heard. Having policymakers hear from constituents about how these proposals impact work you do is exceptionally powerful.


       
       


  • 18 Dec 2019 4:50 PM | Deleted user


    RELEASE DATE: December 18, 2019 

    Contact: Kathleen Lara, klara@prosperityindiana.org, 317-222-1221, 403

    SENATORS YOUNG AND VAN HOLLEN INTRODUCE LEGISLATION TO EXPAND CRITICAL, TARGETED HOUSING ASSISTANCE TO LOW-INCOME FAMILIES

    INDIANAPOLIS – New legislation introduced today by Senators Todd Young (R-IN) and Chris Van Hollen (D-MD), the Family Stability and Opportunity Vouchers Act, aims to provide 500,000 additional housing vouchers to low-income families with young children that would enable them to access safe, stable housing in areas of opportunity. If enacted, this measure would dramatically reduce family and youth homelessness and improve life outcomes for those assisted.

    The legislation prioritizes these new vouchers for low-income pregnant women and families with children under age 6 experiencing persistent housing instability, or living in an area of concentrated poverty. This targeted assistance would be catalytic at a time when the affordable housing crisis throughout the state is acute. In Indiana, a two-bedroom apartment is not affordable for the average renter in 82 of 92 counties; and there is currently a 134,485-unit deficit of housing that is affordable and available to the 27 percent of Indiana renters who are extremely low-income (earning $21,050 or less per year for a family of four).

    Limited resources for housing assistance, coupled with high housing cost burden, leads thousands of Hoosier families to face evictions, housing instability, and homelessness —a cycle that has severe negative consequences for health outcomes, educational attainment and economic mobility.

    “The Family Stability and Opportunity Vouchers Act will expand assistance targeted to families urgently in need and prove that poverty is a cycle that can be broken,” said Jessica Love, Executive Director of Prosperity Indiana. “Our network enthusiastically supports this bill and applauds Senators Young and Van Hollen for their leadership in working to ensure unstably housed families and children in our state and across the country have more equitable opportunities to thrive in all facets of life.”

    "The American Dream should extend to every American child, regardless of the circumstances of their birth. Evidence clearly shows what happens when we empower families with young children to relocate to areas offering good jobs, quality schools, and safe neighborhoods: earnings grow, job vacancies are filled, poverty declines, and children more fully realize their God-given potential,” said Senator Young. “This bill draws on recent groundbreaking research to invest in housing mobility vouchers and customized relocation support services to improve life outcomes and strengthen Hoosier families, all while substantially reducing taxpayer expenditures on healthcare, public safety, and social services.”

    This legislation is championed as a key policy solution by the Opportunity Starts at Home campaign, a national effort to engage multi-sector partners in pushing for stronger federal affordable housing policy. Prosperity Indiana was endorsed this year as the Indiana state partner to lead this effort. To find out more, click here: https://www.prosperityindiana.org/OSAH

    For a link to Senator Young's press release, click here: https://www.young.senate.gov/newsroom/press-releases/young-and-van-hollen-introduce-bipartisan-bill-to-increase-mobility-keep-families-together-and-move-children-to-areas-of-opportunity

       

    About Indiana Association for Community Economic Development D/B/A Prosperity Indiana

    Prosperity Indiana is a statewide membership organization for the individuals and organizations strengthening Hoosier communities. Prosperity Indiana believes in a society where all persons can live and work in an environment that provides equitable access to economic and social opportunity.


  • 17 Dec 2019 11:30 AM | Deleted user

    On Monday, December 16, congressional negotiators revealed the details of two "minibus" spending bills - one for domestic programs and the other, for the defense budget. These packages will fund the federal government through the end of the fiscal year, September 30, 2020 (domestic and defense. Today, the House passed both measures, sending them to the Senate and then, upon passage, to the President of the December 20 funding deadline. 

    Our updated budget chart is included below, outlining many major programs of interest for Prosperity Indiana members, but here are  key highlights:

    HUD: The funding package is a victory for housing advocates in that most HUD programs are funded at or above the Senate proposed levels. The final figures are not as ambitious as the House proposal, but important increases were achieved for TBRA, PBRA (enough to renew all contracts for 12 months), the Public Housing Capital fund, Homeless Assistance Grants, Housing Counseling (which was at risk of cuts in the Senate budget proposal), and Section 202 Housing for the Elderly, among others.

    The final bill does not include provisions from the House bill that would have prevented HUD from implementing the harmful proposed mixed-status rule that would separate families in HUD-assisted housing or it's proposed weakening of the Equal Access Rule that provide protections against discrimination in shelters based on sexual orientation and gender identity.

    USDA: Most USDA's rural housing programs receive similar funding to last year, with small increases for Section 514 farm labor housing loans and Section 523 self-help housing grants and larger increases for the MPR rental preservation program and for Section 542 vouchers. 

    What Else Was Included? The minibus packages also contained significant funding and/or funding boosts for physically expanding national border fencing, military spending, the National Institutes of Health, the 2020 Census, election security grants and gun violence research.

    WE COMMEND PROSPERITY INDIANA MEMBERS FOR YOUR ADVOCACY IN WORKING TO ACHIEVE CRITICAL FUNDING INCREASES!

    WHAT ABOUT THE TAX PACKAGE? HOW DID AFFORDABLE HOUSING CREDIT IMPROVEMENT ACT PROVISIONS FARE?

    As the FY20 appropriations bills move forward this week, a year-end tax bill is also moving through Congress this week. Unfortunately, despite the work of our network and local and national partners, no provisions from the Affordable Housing Credit Improvement Act were adopted. Early on yesterday, the 4 percent floor for LIHTC was included, but late night negotiations saw it cut that from the final package. Continued advocacy is needed on this front as we head into 2020.


  • 16 Dec 2019 7:58 PM | Deleted user

    Background:

    Last week, the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) issued a Notice of Proposed Rulemaking (NPR) proposing substantial revisions to the examination process in ways that do not all appear to align with the intent of the Act. CRA was established to address a legacy of redlining and divestment in low- and moderate-income (LMI) communities. However, the proposed changes raise concerns about how it will affect CRA’s charge to affirmatively meet the community needs for credit and services in LMI communities.

    There are some key core issues at of critical concern, based on an initial review of the NPR. We ask that our members who are concerned about these regulations continue to check our website for further details be prepared to comment not only with regulators, but with members of Congress as well!

    • The NPR would dilute benefits for LMI communities by broadening CRA-eligible activities (including infrastructure - roads and stadiums could count)
    • It would significantly dilute focus of bank activities on LMI consumers and communities
    • It limits consideration of bank branches more than under the current CRA service test. Banks may respond by closing more branches in LMI communities
    • Retail lending analysis would count for much less under the new proposed exams, which could exacerbate banking deserts
    More specifically, the NPR changes are broken down into the following three key areas:

    What Counts:

    • The NPR would broaden what bank activities are CRA-qualifying
      • The definition of community development is currently: affordable housing for LMI households, economic development for businesses under $1 million in revenue, community facilities and the revitalization/stabilization of LMI communities. The NPR deletes economic development and revitalization/stabilization from the definition
      • The NPR also added a new criterion: infrastructure. This can include roads, bridges, or hospitals, but it does not appear those even have to even be based in LMI communities. This dilutes the impact of targeting LMI community investment
      • Key bank services, such as deposit accounts, are no longer considered qualified activities. There is significant concern that proliferation of check-cashing, payday lending and other subprime services will only be exacerbated by further driving banking deserts if this is finalized
      • While framed as an anti-gentrification move, the NPR excludes the consideration of middle- and upper- income lending in LMI communities. This economic integration, if properly applied, with an eye for preventing displacement, is the kind that can help revitalize divested LMI communities
      • Instead of focusing on LMI impact, the NPR would count financial education for all income levels, when research shows LMI communities are disproportionately under- or un-banked
      • Community development services now allows for all volunteer activities, which is a departure from the current definition that is a service related to providing financial products for LMI individuals

    Where it Counts

    • Assessment areas are updated in ways that aim to account for the proliferation of internet-based banks, but there is much that is still vague/unknown about how the regs would assign deposits collected via the internet to branches.
    • The NPR notes that there is an allowance for credit for qualifying activities conducted outside of bank assessment areas. We will be looking into this as we have concerns about how this will impact investment in small non-profits

    How it Counts

    There remain significant concerns in how the one ratio test may result in

    • A reduction in valuing retail branches in LMI communities
    • the potential to encourage an over-reliance on the largest and easiest deals at the expense of small dollar, business and home mortgage lending in LMI communities and a reduction in partnerships with small non-profits who make significant local impact in LMI communities
    • the lack of differentiation for asset classes, meaning state or regional banks are being compared to the largest banks on performance

    Following the NPR release several civil rights/fair housing/consumer groups listed below issued a letter linked here: https://nationalfairhousing.org/2019/12/13/diverse-coalition-issues-joint-statement-on-proposed-changes-to-community-reinvestment-act/.  Americans for Financial Reform Education Fund, Center for Responsible Lending, NAACP, NAACP Legal Defense and Educational Fund, Inc., National Association of Real Estate Brokers, National Coalition for Asian Pacific Americans Community Development, National Community Reinvestment Coalition, National Fair Housing Alliance, The Leadership Conference on Civil and Human Rights, and UnidosUS.

  • 20 Nov 2019 3:53 PM | Deleted user

    There was a sea of red at the Statehouse yesterday on Org Day as tens of thousands of teachers rallied as lawmakers returned for the ceremonial start of the 2020 legislative session. Legislators spent much of the day meeting with educators urging action on compensation, testing reforms and repealing certain professional development mandates. 

    As attention was focused on the #RedforEd movement, there wasPhoto Robert ScheerIndySta additional big news from House leadership as Speaker Brian Bosma announced he will retire after this session to move to a “national legislative campaign role.” Republicans in the House will confirm his replacement in the next two weeks. (Photo Source: Robert Scheer/IndyStar).

    Prosperity Indiana's policy staff shared our 2020 State Priorities (see below) with numerous legislators throughout the day as well and specific legislation we are working with lawmakers to craft to address the critical 

    concerns of our members! 

    These efforts are focused on ensuring Hoosiers can remain in or gain access to safe, stable, and affordable housing and expanding consumer protections to more low-income households build and retain assets.

    The best way you can prepare right now to help us advance these priorities is to register for our Statehouse Day on Tuesday, January 14, 2020, from 1-4 p.m. EST.  At this event, we connect members with their legislators to share why these priorities are so critical to our network and our communities. If you have questions regarding these priorities or how to get more engaged  in advocacy, contact our policy director, Kathleen Lara, at klara@prosperityindiana.org.

    We will keep you updated and engaged throughout session, but please be aware all hearings and session meetings are publicly available to stream live at www.in.gov/iga.


  • 20 Nov 2019 12:30 PM | Deleted user

    On Tuesday, Nov. 19, the House passed a month-long extension of the current short-term funding bill by a vote of 231-192. This measure represents the second continuing resolution of the 2020 fiscal year. This will would allow lawmakers to continue funding the government for 30 days while negotiating differences between the House and Senate FY20 spending bills. Lawmakers seem close to agreement on final spending levels, but key differences remain, particularly around funding for the Administration’s proposed border wall.

    This measure has now moved to the Senate as members of Congress look to wrap up the week’s business before both the current federal funding deadline this Friday, November 21 and the Thanksgiving recess next week. This measure would continue FY 19 enacted funding levels for housing and community development programs.

    The bill, however, has hit a procedural snag as the underlying bill used as a means to pass the short term funding bill is a funding bill Senate Republicans would like to avoid so as to keep it open to negotiations later in the year. In short, the House is likely to see the bill returned so that they use a different underlying bill to send back to the Senate. That becomes procedurally quite close to the Friday deadline for both the House to vote again and the Senate to vote for final passage.

    What happened in the Senate spending bill?

    We have outlined on this blog the House and Senate bill proposals for FY 20 spending. In our August newsletter, we urged members to call and urge our Senators to fund community development programs as the highest possible level under the agreed upon spending caps and to restore funding that was cut from HUD’s housing counseling budget. The final bill passed on October 31, by a vote of 84-9, without a change to the counseling program funding level, so we urge continued advocacy and calls to your House Representative and both Senators as negotiations continue.

    Some amendment language was passed, however, that Prosperity Indiana believes strengthened the underlying bill, including a provision to allow the USDA to extend rental assistance agreements for projects financed by existing Section 514 or 515 loans for up to 20 years to help assisted residents remain stably housed for longer periods

    Stay tuned to our social media and this blog for timely budget updates!

  • 13 Nov 2019 7:01 PM | Deleted user

    On November 11, the Fair Housing Center of Central Indiana (FHCCI) announced a record settlement in a lawsuit against a local business owner accused of targeting Latino communities with predatory land contracts for homeownership of properties that were frequently not in a habitable condition and inflated in their sales price. While the owner of the company in question, Casas Baratas Aqui (translated: “Cheap Homes Here”)

    The FHCCI press release noted that several individual plaintiffs brought action in federal court in April 2018 alleging that the company violated the Fair Housing Act, Equal Credit Opportunity Act, Civil Rights Acts of 1866 and 1871, Truth in Lending Act, as well as several Indiana state statutes. Specifically, the company was accused of targeting Hispanic/Latino homeseekers, in particular, with a housing product that offered uninhabitable homes at high interest rates and home prices far above their property values. (Photo Source: IndyStar Article linked below, Sarah Stier, IndyStar)

    As IndyStar reported, Amy Nelson, the Executive Director of FHCCI, stated that, “This is a ground-breaking resolution that will have a national impact on rent-to-own and land contracts by providing an example of requirements to ensure fairness in these transactions.”

    The IndyStar article outlines one specific case where a plaintiff “entered a one-year lease with a monthly rental rate of $1,000. She was given the option to buy the home for $77,900.” The owner of the company, however, bought the house for only $32,000. The borrower also had a down payment of $8,500 and also required the borrower to “pay $69,400 with a 10 percent interest rate, in monthly installments of $746 for a 30-year term.” In addition to the high costs of this house, the plaintiff found that “the plumbing was completely clogged, the sink didn't function, the floor was rotted and the ceiling had started to collapse,” according to the case complaint. Further, the plaintiff was intimidated after, according to the complaint, “being told to be careful [about complaining] since they are 'illegal.'

    These plaintiffs will see financial relief as a result of this settlement thanks to the FHCCI’s work. The owners said they would change their business practices based on this and the September 2019 ruling from the Indiana Supreme Court. (Photo Source: Indystar Article Screenshot, article authored by Crystal Hall)

    Earlier this fall, the Court ruled in a case that similarly addressed predatory homeownership contracts. Prosperity Indiana joined the state, the city of Indianapolis, Neighborhood Christian Legal Clinic, the Notre Dame Clinical Law Center and National Consumer Law Center, and the Fair Housing Center of Central Indiana as amicus filers in the Rainbow Realty case where, similar to this instance, borrowers were required to pay for all repairs and maintenance as a homeowner would, but if they fell behind in their monthly payments, they would be treated like renters, facing eviction, not foreclosure, and losing all of their equity.

    The Supreme Court’s ruling found that the contract in this case was a rental agreement and not a purchase agreement, as they had been told. Justice Geoffrey Slaughter wrote for the panel in stating, “attempted waiver of their obligations as landlords is void."

Prosperity Indiana
1099 N. Meridian Street, Suite 170
Indianapolis, IN 46204 
Phone // 317.222.1221 
Powered by Wild Apricot Membership Software