The House is set to consider amendments to H.R. 3055 today! This bill includes critical increases in funding for housing and community development programs at the U.S. Department of Housing and Urban Development (HUD) and the U.S. Department of Agriculture (USDA). We urge members to expand our outreach to the Indiana delegation by:

Sending this pre-dafted letter urging your Representative to support the bill as well as amendments that would increase investments in affordable housing for low-income households and oppose any amendments that would reduce funding for HUD and USDA programs.

The letter also urges Representatives to support the bill’s policy provisions, including the provision that would prevent HUD from implementing the proposal that would force mixed-status immigrant families – including children who are U.S. citizens or have legal status – to either separate or face eviction and possible homelessness. 

OR

Call your Representative directly. See below for helpful talking points. You can easily find/confirm your representative by entering your address under the "Find Politicians" box on our Advocacy Action Center. If you already know your Representative, you can dial the U.S. Capitol Switchboard at 202-224-3121.

For more details, click here to read our summary of the budget bill, including a complete budget chart, or here to read a summary of the Appropriation's Committee's consideration of the bill. 

Please contact Kathleen Lara at klara@prosperityindiana.org with any questions. Thank you for your advocacy!

Talking Points:

• I respectfully urge you to support H.R. 3055, which contains critical increases in funding for housing and community development programs at the U.S. Department of Housing and Urban Development (HUD) and the U.S. Department of Agriculture (USDA).
• The bill provides sufficient funding to renew all existing contracts provided through Housing Choice Vouchers and Project-Based Rental Assistance and increases funding for the Section 202 Housing for the Elderly, Section 811 Housing for People with Disabilities, Homeless Assistance Grants, and Rural Multifamily Housing Preservation and Revitalization. 
• It also authorizes funding for competitive grants to public housing agencies to reduce lead-based paint and other health hazards, which is of particular concern in Indiana.
• Our state is facing an affordable housing and eviction crisis. Prosperity Indiana recently released the 2019 Out of Reach Report for Indiana, alongside the National Low Income Housing Coalition, that found that the cost of remaining stably housed continues to rise for average Hoosier renters in most Indiana counties and is out of reach for low-wage workers in every county of the state. 
• If you are a Hoosier earning minimum wage, data shows you have to work 88 hours per week to afford a two-bedroom apartment, as there is a monthly deficit of over $450 to afford the state average fair market rate for a modest two-bedroom unit. 
• Even for the typical renters in Indiana, in 82 of 92 counties, a 2-bedroom apartment is not affordable. 
• These housing wage deficits worsen housing affordability gaps that have already been challenging communities across the state, regardless of size.
• Currently, Indiana has a 134,485-unit deficit of affordable, available rental housing for the quarter of all renters in the state who are extremely low-income (which is a maximum of $24,600 per year for a family of four). 
• It has also been established that, conservatively, 86 households are evicted in Indiana each day. 
• Our state has three large cities in the top 20 nationwide for eviction rankings. 
• Further, only one in four households that qualifies for federal housing assistance receives it. 
• The challenges are great, but modest increases in investments to the housing and community development programs contained within H.R. 3055 will help ensure more communities receive funding to expand safe, affordable housing and more Hoosiers have an opportunity to prosper.
• Given the scale of the challenges confronting Hoosier communities, I ask that you support amendments to increase investments in affordable housing for low-income households. Accordingly, I urge you to oppose any amendments that would reduce funding for HUD and USDA housing and community development programs.
• I also ask that you support the bill's policy provisions, including the provision that would prevent HUD from implementing the proposal that would force mixed-status immigrant families - including children who are U.S. citizens or have legal status - to either separate or face eviction and possible homelessness. 
• As already discussed, Indiana cannot afford to have increased evictions or more families experiencing housing instability leading to homelessness and expect to thrive.

On the heels of the release of the 2019 Out of Reach report, several media outlets took note and ran stories that lift up why this housing wage data is so critical and why our advocacy work to expand the supply of affordable housing is essential to ensuring more Hoosiers have the opportunity to prosper. Below are the highlights:

Televised News: 

Russ McQuaid - Fox59: Study shows affordable housing remains out of reach for many Hoosiers

POSTED 4:33 PM, JUNE 18, 2019, BY RUSS MCQUAID, UPDATED AT 06:59PM, JUNE 18, 2019

INDIANAPOLIS, Ind.-- A woman who didn’t want to give her name explained what it cost to live at the Maple Creek Apartments on West Michigan Street west of Haughville.

“It's $628 a month,” she said. “I make about $900 gross a month.”

That's two-thirds of her money going to rent. How does she pay for clothes, electricity and food?

“It's very hard. I’m a single mother,” she said. “I get my bills aside and I calculate them all up and pay what’s important and what’s not important I leave to the side and pay’s over.”

The anonymous mom is one of tens of thousands of Hoosiers that a new study finds can’t afford to live in suitable housing at a reasonable rate.

“Out of Reach: The High Cost of Housing," a study released jointly by Prosperity Indiana and The National Low Income Housing Coalition, reported a worker must earn $16.02 an hour to afford a modest two-bedroom apartment or a minimum wage employee must work 88 hours a week to pay the rent in a comparable unit.

“Data shows that the typical renter income is insufficient to afford rental housing in 82 of Indiana’s 92 counties,” said Jessica Love, Prosperity Indiana’s Executive Director.  “For Hoosiers working full-time at minimum wage, there is a monthly deficit of over $450 to afford the state average fair market rate for a modest two-bedroom unit.”

A Prosperity Indiana statement quotes Love as calling for “an urgent need for action in implementing common-sense solutions at the federal and state level to address our affordable housing crisis.”

Derrick Maxwell is a former leasing agent at Maple Creek who stayed on a resident.

“Some of the residents are on Social Security, most retired vets and things like that, they don’t have the means because they’re set on a steady income and I feel like they should not be ostracized because they are on a fixed income,” said Maxwell who estimates he pays a quarter of his monthly income in rent. “There’s not a lot of jobs here in Indianapolis that are…or maybe these people don’t have the type of skill settings and training to make those type of jobs and make that money so it's kind of hard and you’re forced to live in areas where you would prefer not to be in because you only meet their income limit.”

Back east along West Michigan Street at White River Parkway, work continues on the Riverview Apartments, a complex developed by Goodwill and Strategic Capital Partners.

“It's targeted to families with incomes of $40-60,000 and really those that focus in that area,” said Goodwill Vice President Cindy Graham. “When we started to take a look at what was happening in the Indianapolis rental market and seeing that some of those people that are in those mid-level jobs like nursing, teachers, firemen, policemen, are really getting priced out of the fair market pricing market in the downtown area, yet their services are still needed.”

The one- and two-bedroom apartments will rent for an average of $1.35 per square foot, about ten percent less than the average rental costs in downtown.

“You would be surprised to know that Goodwill has teachers,” said Graham. “We operate 14 adult high schools and a traditional school right here on this property and we have nurses who work for us, too, so we actually have employees who would qualify for workforce housing.”

Market analysts report downtown Indianapolis’ residential rental occupancy rate is 93%, down three percent from a couple years ago, as the Mile Square is set to absorb another 1300 new rental units coming on line in 2019.

Back at Maple Creek, the woman who feared that revealing her name would anger the landlord said she had good reasons to cut corners in order to keep a roof over her family’s heads.

“If you don’t have a house, your kids gonna go to the State and you’re gonna be homeless,” she said, “and I don’t want to be homeless.”

Print Media/ Radio:

Study: SEI Renters' Incomes Not Enough To Afford Decent Place

By Mike Perleberg

A new report found the cost of remaining stably housed continues to rise for average Hoosier renters in most Indiana counties. Decent housing is out of reach for low-wage workers in every county of the state.

(Lawrenceburg, Ind.) - A new study says rents are unaffordable for low-wage workers in southeastern Indiana, as well as most of the state.

The report - Out of Reach: The High Cost of Housing - from Prosperity Indiana and the National Low Income Housing Coalition says that in order to afford a modest, two-bedroom apartment at fair market rent on $834 in Indiana, a household must earn $2,779 monthly – or about $33,346 annually. The needed pay figure is up from last year’s study.

With almost a third of households statewide being rented, data shows that typical renter income is insufficient to afford rental housing in 82 of the state’s 92 counties. Included in that list are Dearborn, Franklin, Ohio and Ripley counties, where estimated average renter wages are among the lowest in the state.

The study suggests renters in southeastern Indiana have to work more than one 40-hour week job at the average renter wage in order to have enough money to afford a decent two-bedroom unit. For those making the state minimum wage of $7.25, paying the monthly rent is almost impossible.

In the Cincinnati area, the annual income needed to afford such an apartment is higher at $35,360 than Indiana. About 21 percent of homes in the area are rentals.

“For Hoosiers working full-time at minimum wage, there is a monthly deficit of over $450 to afford the state average fair market rate for a modest two-bedroom unit,” said Jessica Love, Prosperity Indiana’s executive director.  

Conservative figures cited in the study show that nearly 32,000 households statewide are evicted each year. With an affordable housing deficit of 134,485 units in Indiana, low-income earners have few options.

Love believes there is “an urgent need for action in implementing common-sense solutions at the federal and state level to address our affordable housing crisis.”

Indiana U.S. Senator Todd Young and others in the Senate last week introduced the HUD Manufactured Housing Modernization Act of 2019. The federal legislation is aimed at improving access to safe and stable housing would provide new support for state and local governments wishing to include manufactured homes as a solution.

“Solving the housing affordability crisis for Hoosiers of all income levels is going to require bold and innovative changes to our nation’s housing policies,” said Young. “With over 2.5 million Hoosiers already living in manufactured homes — and with Hoosier workers leading the way in construction of manufactured housing — I know it’s time to put greater emphasis on manufactured housing as a housing affordability solution.”

Another bill by Young, S. 1772, would establish a task force to assess the impact of the affordable housing crisis and identify possible solutions.

Rental housing needs have worsened considerably over the past 30 years since Out of Reach was first released. Diane Yentel, president and CEO of the National Low Income Housing Coalition, says that although housing is out of reach for millions of low-wage workers, members of Congress are starting to take note.

“Big, robust housing bills have been introduced by key policymakers. The topic of affordable housing is becoming increasingly prevalent on the 2020 presidential campaign trails. We now have a tremendous opportunity to implement bold federal housing policy solutions that will fund affordable housing programs at the scale necessary,” said Yentel.

AFFORDABLE HOUSING OUT OF REACH FOR AVERAGE RENTERS IN 82 OF 92 INDIANA COUNTIES, IN ALL 92 FOR LOW-INCOME RENTERS

The cost of remaining stably housed continues to rise for average Hoosier renters in most Indiana counties and is out of reach for low-wage workers in every county of the state, according to a national report released today. The report, Out of Reach: The High Cost of Housing, is jointly released by Prosperity Indiana, a statewide community development network, and the National Low Income Housing Coalition (NLIHC), a research and advocacy organization dedicated solely to achieving affordable and decent homes for the lowest income people.

In order to afford a modest, two-bedroom apartment at fair market rent in Indiana, renters need to earn $16.03 per hour. That figure is up from $15.56 in 2018, further exacerbating gaps in housing affordability in communities across the state. Working at the minimum wage of $7.25 in Indiana, a worker must have 1.8 full-time jobs or work 71 hours per week to afford a modest one-bedroom apartment; or have 2.2 full-time jobs or work 88 hours per week to afford a two-bedroom apartment.

“Data shows that the typical renter income is insufficient to afford rental housing in 82 of Indiana’s 92 counties,” said Jessica Love, Prosperity Indiana’s Executive Director.  “For Hoosiers working full-time at minimum wage, there is a monthly deficit of over $450 to afford the state average fair market rate for a modest two-bedroom unit.” Noting that conservative figures show 31,767 renter households statewide are evicted each year, Love believes there is ”an urgent need for action in implementing common-sense solutions at the federal and state level to address our affordable housing crisis.”

Indiana has a 134,485-unit deficit of affordable, available rental housing for the 27 percent of Indiana renters who earn 30 percent of Area Median Income, a maximum of $24,600 per year for a family of four.  The Out of Reach report also highlights, for example, that rent that would be considered affordable for this income threshold is $527, well below the fair market rents for both one-bedroom and two-bedroom apartments in Indiana.

Senator Todd Young (R-Ind.), who has introduced legislation aimed at addressing barriers to safe, stable housing, said, “I’ve seen firsthand in Indiana how a lack of affordable housing has negative and lasting consequences. The inability to access safe and affordable homes leaves Hoosier families with fewer dollars to spend on important expenses like health care and groceries. As part of my Fair Shot Agenda, I’ve made solving this crisis a top priority.”

Young added that one such bill, S. 1772, is a bipartisan measure that “would assemble a group of experts to better understand the housing affordability crisis, so that we can take legislative action and end the cycle of poverty for millions of struggling Americans.”

Rental housing needs have worsened considerably over the past 30 years since Out of Reachwas first released, but the time is right to reverse that trend according to Diane Yentel, president and CEO of the National Low Income Housing Coalition.

Yentel said, “Housing is out of reach for millions of low-wage workers. But members of Congress are starting to take note. Big, robust housing bills have been introduced by key policymakers. The topic of affordable housing is becoming increasingly prevalent on the 2020 presidential campaign trails. We now have a tremendous opportunity to implement bold federal housing policy solutions that will fund affordable housing programs at the scale necessary.”

For additional details, a copy of the Out of Reach 2019 report is available at: https://reports.nlihc.org/oor/indiana

Prosperity Indiana is pleased to lend our support to key initiatives introduced/re-introduced by Senator Todd Young (R-Ind.) this month. Bill details are listed below:

AFFORDABLE HOUSING CREDIT IMPROVEMENT ACT

On June 4, Senator Young was announced as a co-author of S. 1703, the Affordable Housing Credit Improvement Act of 2019. This bill will help expand the supply affordable housing for low-income Hoosiers! Below are key highlights of the impact in Indiana:  

The bill would produce roughly 1.9 million new affordable housing units over the next decade, an increase of over 550,000 more units than would be built without the legislation. The bill increases the total number of affordable housing units built by:

Increasing the amount of credits allocated to each state by 50% over current levels, resulting in the production of more than 384,000 more affordable homes in the next 10 years than would otherwise be created.

Stabilizing the value of the 4% Affordable Housing Tax Credit – which is used for new construction that uses additional subsidies or the acquisition cost of existing buildings. This will create more certainty for ongoing and new projects and increase affordable housing production by more than 66,000 units.

Expanding and reforming “recycling” of multifamily housing bonds, allowing states to maximize the available resources of private activity bonds by recycling multifamily bonds for affordable housing, resulting in 100,000 additional affordable housing units.

TASK FORCE ON THE IMPACT OF THE AFFORDABLE HOUSING CRISIS ACT

On June 11, Senator Young along with 15 bipartisan senators, reintroduced the Task Force on the Impact of the Affordable Housing Crisis Act (S. 1772) on June 11. The bill would create a bipartisan affordable housing task force to better understand and respond to America’s housing affordability crisis.

This bipartisan task force would:

• Evaluate and quantify the impact the lack of affordable housing has on other sectors, including education, health, nutrition, transportation, and more.
• Evaluate and quantify the costs incurred by other federal, state, and local programs due to the lack of affordable housing; and
• Make recommendations to Congress on how to use affordable housing to improve the effectiveness of other federal programs and improve life outcomes.

HUD MANUFACTURED HOUSING MODERNIZATION ACT OF 2019

Additionally, on June 12, Sen. Young joined Senators Catherine Cortez Masto (D-Nev.), Tim Scott (R-S.C.), Tina Smith (D-Minn.), and Kevin Cramer (R-N.D.) in introducing the HUD Manufactured Housing Modernization Act of 2019 to ensure that the Department of Housing and Urban Development (HUD) supports state and local governments that wish to include manufactured housing as an affordable housing solution when applying for federal funding.

The House Appropriations Committee Approves Housing Bills, Full House Set to Vote This Week

On June 4, the House Appropriations Committee moved forward its FY2020 spending bills for affordable housing, community development, and rural development programs. Click Here to find our earlier blog post that includes the full budget chart breakdown of interest for Prosperity Indiana members.

Both the Transportation, Housing and Urban Development (THUD) and the Agriculture, Rural Development, funding bills passed by a 29-21 vote. Members of the committee did not offer any amendments related to the housing provisions of either bill. A package of spending bills, including Rural Development and THUD will be considered by the full House of Representatives on the week of June 17.

HUD— The bill provides a total of $50.1 billion for HUD - $5.9 billion above the 2019 enacted level and $13.4 billion above the President’s budget request.  

Policy Provisions – In addition to the budget figures, the bill includes the following policy provisions:

• Blocks the administration’s public housing rule change on undocumented immigrants in affordable housing
• Requires all HUD grantees to develop a resiliency plan as part of the consolidated planning process.

Rural Development and Infrastructure— The bill provides a total of more than $3.943 billion for rural development programs, including critical housing assistance and loan programs.

Food and Nutrition Programs— The package also includes mandatory funding for food and nutrition programs within the Department of Agriculture. This includes funding for the Special Supplemental Nutrition Program for Women, Infants, and Children (WIC), the Supplemental Nutrition Assistance Program (SNAP), and child nutrition programs.

Prosperity Indiana is pleased several media outlets helped lift up our productive conversation around evictions and affordable housing at Horizon House on June 5, entitled "Confronting a Hoosier Housing Crisis."

Print Media

Lack of affordable housing is a growing problem in Indiana

June 5, 2019  |   Filed under: Jobs, economy & labor,Top stories  |   Posted by: Janet Williams

By Abrahm Hurt
TheStatehouseFile.com

INDIANAPOLIS—Every day in Indiana 86 families or nearly 32,000 a year are evicted from their homes, an event that will end up making it more difficult for them to find a place they can afford.

That statistic was shared Wednesday by Prosperity Indiana, an economic development organization that works to provide resources and advocacy to strengthen local communities.

Nearly half of all Hoosiers who rent are burdened by the cost because they are paying more than 30% of their monthly income on housing, said Jessica Love, executive director of Prosperity Indiana.

Jessica Love of Prosperity Indiana describes the challenges low-income Hoosiers face in seeking affordable housing. Photo by LaMonte Richardson, TheStathouseFile.com

Across the state there is a lack of affordable housing for low-income individuals, she added. In fact, Indianapolis has the 14th highest eviction rate among large cities in the United States, according to their data.

“While we’re sharing some dire statistics and trends today, we’re not doing so to indicate that the situation is hopeless,” Love said. “Rather, we want to encourage more voices to speak up now on what is happening to Hoosiers who are housing unstable and build support for the best solutions at the federal, state and local levels.”

Prosperity Indiana joined the Coalition for Homelessness Intervention and Prevention (CHIP), the IU Public Policy Institute and the National Low Income Housing Coalition at the Horizon House in Indianapolis to discuss the affordable housing issue. They stressed the need for advocacy to advance state and federal policy solutions.

Love said two bills filed in the 2019 legislative session would have helped prevent evictions and ensure renters live in safe housing, but they both failed to pass.

Senate Bill 524, authored by Sen. Eddie Melton, D-Gary, would have expanded legal aid to tenants in crisis, and it would have made it a criminal offense to rent a condemned property. It was assigned to the Commerce and Technology Committee and never got a hearing.

Senate Bill 422, which was authored by Sen. Mike Bohacek, R-Michiana Shores, would have allowed tenants to terminate a lease if basic habitability standards were not met within a reasonable time frame after moving in. The bill got out of the Judiciary Committee but never got a vote on the floor of the full Senate.

Kathleen Lara, policy director for Prosperity Indiana, said the biggest reason the legislation failed was because the issue had not been addressed in more than 10 years and a general lack of testimony in favor of the bills.

Michael Hurst, an attorney with Indiana legal services, has been part of a project to make the eviction process less transactional in Indiana and provide counsel. In six months, Hurst has handled 178 referrals.

“I kept the eviction of their record, but when push came to shove, they were not able to find alternative, affordable housing to go to,” he said, explaining that most of his clients are single mothers who cannot find housing they can afford.

Prosperity Indiana reports that an individual making minimum wage would have to work 86 hours a week to afford a two-bedroom apartment at a fair market rate in the state.

Love said a larger coalition of people and groups would bring more options and policy changes.

“We’ve said it’s not legal to put people in a home that’s not habitable,” she said. “But there’s also nothing happening really to enforce that.”

Abrahm Hurt is a reporter for TheStatehouseFile.com, a news website powered by Franklin College journalism students.

This story also ran in:

South Bend: https://www.southbendtribune.com/news/local/lack-of-affordable-housing-is-a-growing-problem-in-indiana/article_001358b7-dffa-5b97-94aa-5b4a29cea0eb.html

Bloomington: https://www.hoosiertimes.com/herald_times_online/news/state/lack-of-affordable-housing-is-a-growing-problem-in-indiana/article_a496f67a-6644-5791-8ce2-4db3bd4da42a.html

NUVO (Indianapolis): https://www.nuvo.net/news/lack-of-affordable-housing-is-a-growing-problem-in-indiana/article_e3227d12-8874-11e9-bd43-bfe945bcb28e.html

Print/Public Media (WFYI/WBAA):

Indianapolis: https://www.wfyi.org/news/articles/community-advocates-call-for-more-affordable-housing-to-solve-eviction-problems

Lafayette: https://www.wbaa.org/post/community-advocates-call-more-affordable-housing-solve-eviction-problems#stream/0

Community Advocates Call For More Affordable Housing To Solve Eviction Problems

ORIGINAL STORY FROM   IPBS-RJC

BRANDON SMITH

 

Article origination IPBS-RJC

Leaders from Indiana and national community organizations discuss the state's high eviction rates and potential solutions.

Brandon Smith/IPB News

Indiana has one of the highest rates of evictions in the country – only six states are worse.

And many community advocates point to one issue as a major cause.

Three of Indiana’s biggest cities are in the top 20 in the country among comparably-sized communities for highest eviction rates – Fort Wayne, Indianapolis, and South Bend. Indianapolis has the second most evictions of any city in the country, behind only New York City.

Prosperity Indiana’s Jessica Love – like many community advocates – points to a major issue the state must address to help reduce evictions.

“They must also include more resources to fund the expansion of affordable housing,” Love says.

Judy Fox runs the Economic Justice clinic in South Bend. She says she’d also like to see Indiana create an eviction expungement process.

“If you were evicted 10 years ago, why is that still on your record and preventing people from renting to you?” Fox says.

Some community leaders say there’s hope for federal action, spearheaded in part by Sen. Todd Young (R-Ind.).

Radio Interview:

Following the event in Indianapolis, Prosperity Indiana's Executive Director, Jessica Love, and Policy Director, Kathleen Lara, appeared on the Community Connection segment of FM 92.7/AM 1310's The Light, hosted by Tina Cosby discussing evictions and the affordable housing crisis in Indiana.

You can listen to that interview here: https://praiseindy.com/2168011/community-connection-thursday-june-6th/

Opinion Piece: South Bend

Our Opinion: Indiana must treat safe, affordable housing with urgency

A shard of glass sticks out of the ground in a common area at Miami Hills apartment complex on May 21 in South Bend.

Tribune Photo/ROBERT FRANKLIN

Most would agree people should have access to safe, affordable housing, but that’s still an elusive goal for many.

Last month tenants at Miami Hills Apartments in South Bend complained about substandard living conditions they’ve been forced to live with. Problems ranged from mold on bathroom walls to leaking ceilings and water heaters not working properly.

And these are not new issues.

In a recent Viewpoint, Judith Fox, a University of Notre Dame law school professor and director of the Economic Justice Clinic, a group that provides free legal services to low-income clients, said she asked HUD in Indianapolis about the apartment complex more than 10 years ago.

Even though the apartment complex was failing inspections, HUD officials passed them anyway because people living there had no other housing options.

A story from TheStatehouseFile.com, a news website, recently reported that 86 families a day, or nearly 32,000 a year, are evicted from their homes in Indiana. And nearly half of all Hoosiers who rent are burdened by the cost because they are paying more than 30% of their monthly income on housing, according to Prosperity Indiana.

The Indiana General Assembly tried to weigh in on the issue. Two bills were filed in the 2019 legislative session that would have helped prevent evictions and ensure renters live in safe housing, but both failed to pass.

One would have made it a criminal offense to rent a condemned property, but it never it received a hearing. Another would have allowed tenants to terminate a lease if basic habitability standards were not met within a reasonable time after a tenant moved in. That bill was never voted on by the full Senate.

Locally, the South Bend Common Council recently adopted the Rental Safety Verification Program that underscores the need for more safe, affordable housing.

The program is managed by the Department of Code Enforcement and allows the city to proactively address violations in rental housing that put residents at risk for health issues and safety concerns.

After the first three months, 108 of 132 rental units inspected have failed. Most of those already had open violation files with code enforcement.

The RSVP is a good step, but it’s only a small one. There are still too many falling through the cracks.

There seems to be consensus building that safe, affordable housing is lacking here and elsewhere in the state. Now what’s needed is action, including from state lawmakers, to prioritize this public safety issue.

This week, two House Appropriations Subcommittees set forth proposed funding levels for affordable housing and community development programs at the U.S. Department of Housing and Urban Development (HUD) and the U.S. Department of Agriculture (USDA) for Fiscal Year (FY) 2020. The great news for Prosperity Indiana members is that  these spending bills provide a robust increase in funding to housing programs that serve low-income people and communities overall. Both represent significant increases compared to the Administration's proposed FY 2020 budget, as we outlined in an earlier blog post, found here.

To watch the Appropriations Subcommittees' coverage of these two bills, click here for the USDA budget mark up and click here for the Transportation HUD mark up. The week after next, the full Appropriations Committee will consider both of these bills and vote on amendments.

Proposed Funding By Program

(In Millions)

Program	FY19 Enacted	FY20 Administration	FY20 House	FY20 Senate	FY20 Enacted
Transportation-Housing and Urban Development
CDBG	3,300	0	3,600
HOME	1,250	0	1,750
Tenant Based Rental Assistance	22,598	22,244	23,810
Project-Based Rental Assistance	11,747	12,021	12,590
Homeless Assistance Grants	2,636	2,599	2,800
Housing Counseling Assistance	50	45	60
Public Housing Capital Fund	2,775	0	2,855
Public Housing Operating Fund	4,653	2,863	4,753
Choice Neighborhoods Initiative	150	0	300
Family Self-Sufficiency Program	80	75	100
Jobs-Plus Pilot Sufficiency Program	15	15	15
HOPWA	393	330	410
Self-Help Homeownership Opportunity Program	10	0	55
202 (Housing for Elderly)	678	644	803
811 (Housing for Persons with Disabilities)	184	157	259
Rental Assistance Demonstration	0	100	0
Fair Housing and Equal Opportunity	65	62	75
Healthy Homes and Lead Hazard	279	290	290
Policy Development and Research	96	87	98
Agriculture, Rural Development, and Food and Drug Administration
502 Single Family Guarantee	24,000	24,000	24,000
502 Single Family Direct	1,000	0	1,000
502 Self-Help set-aside	5	0	0
521 Rental Assistance	1,331	1,375	1,375
515 Rental Housing Direct Loans	40	0	45
504 VLI Repair Loans	28	0	28
523 Self-Help TA	30	0	32
538 Rental Hsg. Guar.	230	250	250
Rental Prsrv. Demo. (MPR)	24.5	0	40
Rural Community Development Initiatives	6	0	8
Rental Preservation TA	1	0	0

The Legislative Council for the Indiana General Assembly released a resolution on May 21, outlining the study topics assigned to state legislators in interim study committees. There are several critical topics to Prosperity Indiana's member network and we will keep you updated as to when these meetings are scheduled and how to get engaged in advocacy related to these topics!

• Revisions to the Uniform Consumer Credit Code (including payday lending).

• State tax credits and other issues related to workforce housing and affordable housing. (Source: HB 1234-2019 (as introduced); Letter Lt. Gov. Crouch.

• The recurring tax incentive review for the Neighborhood Assistance Tax Credit Program, Individual Development Assistance Tax Credit Program and the low income housing exemption
  
  

Today, Prosperity Indiana submitted a letter on behalf of our network in response to the proposal to rescind the commonsense ability-to-repay requirements of the Consumer Financial Protection Bureau (the Bureau)’s 2017 payday and vehicle title loan rule (“Ability-to-Repay Rule” or “Rule”). Payday lending is associated with greater risk of delinquency on rent payments and other bills, delayed medical care, overdraft fees, loss of bank accounts, and bankruptcy. It can also inflict severe psychological harm, including distress resulting from aggressive debt collection practices

Prosperity Indiana's letter cited polling from Indiana, conducted by Bellwether Consulting on behalf of numerous consumer coalition partners. As the letter outlines, the poll found "87 percent of respondents saying payday loans are a financial burden versus a financial relief; 94 percent said they are expensive versus inexpensive; and 84 percent said they are harmful versus helpful. Of critical importance to the CFPB’s proposed rule, 78 percent support requiring payday loan lenders to determine a borrower’s ability to pay back a loan without defaulting on other expenses."

Our letter noted that "in Indiana, advocates for consumers and strong 

communities will continue to push for a statewide cap on payday loans. Prosperity Indiana will continue to expand the non-profit Community Loan Center program, offering consumers a low-cost payday alternative through employer partnerships. We will continue to strive for greater equity in lending and work to remedy the fact that many regulated banks have divested in communities of color while payday lenders are found to be 2.4 times more concentrated in African American and Latino communities."

The letter concluded by urging Director Kraninger to stand by the CFPB's mission: "In Indiana, we are working hard to empower consumers and support communities to reach that goal, but payday lending is undermining our efforts. The CFPB should be fulfilling its mission to protect consumers from unfair and deceptive practices and move forward with implementing the payday rule and maintaining the ability to repay standard. We urge you to reconsider this proposal and stand by consumers."

Prosperity Indiana also joined numerous consumer coalition partners in sending this letter as well: https://www.regulations.gov/document?D=CFPB-2019-0006-25771

Today, Prosperity Indiana submitted feedback (linked here) to the Office of Community and Rural Affairs (OCRA) and the Indiana Housing and Community Development Authority (IHCDA) in response to requests for public comment on the draft of Indiana’s 2019 Annual Action Plan.

The Annual Action Plan is part of consolidated planning process, which serves as the framework to identify housing and community development priorities that align and focus funding from the CPD formula block grant programs: Community Development Block Grant (CDBG) Program, HOME Investment Partnerships (HOME) Program, Housing Trust Fund (HTF), Emergency Solutions Grants (ESG) Program, and Housing Opportunities for Persons With AIDS (HOPWA) Program. The Consolidated Plan is carried out through Annual Action Plans, which provide a concise summary of the actions, activities, and the specific federal and non-federal resources that will be used each year to address the priority needs and specific goals identified by the Consolidated Plan. 

As part of the annual process of reviewing progress made toward goals stated in the 5-year Consolidated Plan and a description of allocation priorities, OCRA and IHCDA conduct public hearings, issue an online survey and solicit written public comments. Prosperity Indiana plans to engage our members throughout the year as both agencies work on program design and the next five-year Consolidated Plan.  We urge our members to participate in these meetings to help shape state priorities for allocating federal housing and community development dollars. If you have any questions about this process or our feedback, please contact Prosperity Indiana’s Policy Director, Kathleen Lara, at klara@prosperityindiana.org.