No Place Like Home: Addressing Poverty and Homelessness in the United States

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    No Place Like Home

    Addressing Poverty and Homelessness in the United States

    By Tracey Ross December 2013

    WWW.AMERICANPROGRESS.O

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    No Place Like HomeAddressing Poverty and Homelessness

    in the United States

    By Tracey Ross December 2013

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    1 Introduction and summary

    3 Defining homelessness

    7 Federal efforts to combat homelessness

    10 Local best practices

    14 Recommendations

    20 Conclusion

    21 About the author

    22 Acknowledgements

    23 Endnotes

    Contents

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    1 Center for American Progress | No Place Like Home

    Introduction and summary

    Since the founding of our country, home has been the center of the American

    dream. Stable housing is the foundation upon which everything else in a familys or

    individuals life is builtwithout a safe, affordable place to live, it is much tougher

    to maintain good health, get a good education or reach your full potential.1

    Presiden Barack Obama

    While owning a home is he cornersone o he American Dream, growing income

    inequaliy, coupled wih an affordable housing crisis, makes mainaining sablehousing a challenge or millions o Americans. In his book,Making Room: Te

    Economics of Homelessness,Columbia Universiy Proessor Brendan OFlahery

    explains, Alhough homelessness in he pas was a phenomenon o economic

    depression, much o he rise in he new homelessness has occurred in relaively

    prosperous imes.2Trough his research, he shows ha around he 1980s, an

    increase in inequaliy and a smaller middle class, made i more difficul or poor

    people o acquire housing ha had been or-

    merly used by he middle class.3In ac, oday,

    almos hal o he homeless populaion in his

    counry work bu do no earn enough income

    o pay or housing.4

    When examining he availabiliy o low-cos

    housing over ime, he exen o which afford-

    able housing is a barrier oday becomes clear.

    According o he Insiue or Children,

    Povery, and Homelessness, here were 300,000

    more low-cos renal unis han low-income

    rener households in 19706.5 million unisor 6.2 million households. By 1985, here was

    an affordable housing shorall o 3.3 million

    unis.5By 2011, he affordable housing shor-

    age reached 5.3 million unis.6oday, only one

    FIGURE 1

    Disparity between need and availability of affordaunits for poor renters (in millions)

    6

    5

    4

    3

    2

    1

    0

    -1

    1970 1978 1985 1991 1995 2001 2003 2005 2007 2009 20

    Sources: The Institute for Children, Poverty, and Homelessness, A Home by Any Other Name

    (2012), Figure 1B, available at http://www.icphusa.org/filelibrary/ICPH_PolicyBrief_AHomeByAnyOtherName.pdf; Joint Center for Housing Studies, The State of the Nations Housing 2013 (20available at http://www.jchs.harvard.edu/sites/jchs.harvard.edu/files/son2013.pdf.

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    2 Center for American Progress | No Place Like Home

    in our households eligible or renal subsidies acually receives assisance due o

    overwhelming demand, orcing many amilies ono lenghy waiing liss.7

    Homelessness occurs or a variey o reasons, bu i is clear ha povery, coupled

    wih an ongoing affordable housing crisis, is a significan acor.8Tis is no sur-

    prising, as income inequaliy has coninued o widen since he Grea Recession.9

    Despie he ac ha ha here are many barriers oday o fighing homelessness,

    he counry has also made srides in learning wha works. Over he pas eigh

    years, homelessness among veerans and chronically homeless individuals has

    declined significanly,10and communiies are making real progress in serving oher

    amilies and individuals. Unorunaely, in many places, homelessness is beginning

    o increase, and cus o imporan programs will no help.11Unil we commi o

    advancing policies and pracices ha ackle he roo economic causes o homeless-

    ness and increase he sock o affordable housing, we will no see he susained

    progress we need.

    Tis repor provides a summary o he sae o homelessness and povery in he

    Unied Saes; gives an overview o ederal and local effors o end homeless-

    ness; and offers recommendaions or serving homeless individuals and amilies,

    increasing access o affordable housing, and addressing income inequaliy.

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    3 Center for American Progress | No Place Like Home

    Defining homelessness

    Te U.S. Deparmen o Housing and Urban Developmens, or HUDs, definiion

    o homelessness affecs who is eligible or various HUD-unded homeless assisance

    programs. Overall, an individual or amily is considered homeless i hey live in an

    emergency sheler, ransiional housing program, sae haven, or a place no mean or

    human habiaion.12Specifically, he definiion includes our broad caegories:13

    1. Individuals or amily lacking a fixed, regular, and adequae nightime residence,

    meaning ha hey sleep in a place no designed or sleeping accommodaionssuch as a car or a park; live in a emporary sheler; or are exiing an insiuion,

    such as a jail or a hospial, where hey resided only emporarily and were con-

    sidered homeless under he firs wo crieria prior o enering he insiuion

    2. Individuals or amilies who will imminenly lose heir primary nightime

    residence wihin 14 days, have no subsequen residence idenified, and lack he

    resources or suppor neworks needed o obain oher permanen housing

    3. Unaccompanied youh or amilies wih children who mee he homeless defini-

    ion under anoher ederal saue and addiional crieria ha define an unsable

    living siuaion

    4. Individuals or amilies fleeing or atemping o flee domesic violence or lie-hrea-

    ening condiions wih no subsequen residence, resources, or suppor neworks

    Subpopulations

    Homelessness is caused by a variey o acors, so i is imporan o differeniaebeween subpopulaions o beter undersand wha we mean when we discuss

    homelessness. In addiion, while his repor primarily ocuses on individuals and

    amilies who experience homelessness due o economic acors, here is much o

    be learned rom addressing homelessness across subpopulaions.

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    4 Center for American Progress | No Place Like Home

    Chronic individuals

    Among he mos visible people experiencing homelessness

    are chronically homeless individuals, bu hey only make up

    abou 18 percen o he homeless populaion.14Overall, chronic

    homelessness has declined by 16 percen since 2010, largelydriven by decreases in he number o people in shelers. Te

    number o chronically homeless people living on he sree only

    declined by a modes 5 percen.15People are considered chroni-

    cally homeless i hey have a disabling condiion and have been

    homeless or a year or more or have experienced a leas our

    spells o homelessness over he pas hree years.16Chronically

    homeless people are among he mos vulnerable people in he

    homeless populaion, as hey end o suffer rom severe menal

    illness and/or subsance abuse problems. Tese individuals ofen

    rely on crisis-driven sysems, such as emergency rooms and evenjails, or sheler and oher services.17Many communiies have

    collaboraed on ending chronic homelessness wih he suppor

    o ederal policies in he pas decade. As a resul, he number o

    individuals experiencing chronic homelessness decreased 16

    percen rom 2010 o 2013.18

    Veterans

    Veerans ofen become homeless due o war-relaed disabiliies and pos-rau-

    maic sress. Veerans currenly comprise almos 10 percen o he homeless

    populaion, bu homelessness programs argeing veerans have been successul

    in recen years.19In 2010, Veerans Affairs Secreary Eric Shinseki se an ambi-

    ious goal o ending veeran homelessness by 2015.20Te mos recen analysis

    rom he U.S. Deparmen o Veerans Affairs, or VA, and HUD esimaes ha

    here were roughly 57,849 homeless veerans in January 2013, an 8 percen

    decline rom 2012 and a 24 percen decline since 2009.21Te VA atribues his

    success o a concered effor o increase awareness o VA services available o

    homeless or a-risk veerans.22

    109,132

    57,849

    222,197

    387,845

    46,924

    Overall

    Chronic individuals

    Veterans

    People in families

    Individuals

    Unaccompanied youth and children

    FIGURE 2

    Homeless population and subgroup

    2013 (in thousands)

    Note: Subpopulation data do not equal the overall homeless popul

    number, as people could be counted as pa rt of more than one

    subpopulation.Source: U.S. Department of Housing and Urban Development, The 2

    Annual Homeless Assessment Report (AHAR) to Congress(2013), availa

    https://www.onecpd.info/resources/documents/AHAR-2013-Part1

    610,

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    5 Center for American Progress | No Place Like Home

    Families

    Approximaely 36 percen o he homeless populaion is made

    up o amilies wih children.23Homelessness among persons in

    amilies declined by 7 percen rom 2012 o 2013. Tis decline,

    however, is enirely composed o unshelered people in amilies.Te number o people in amilies living in shelers has acually

    increased slighly since 2010 by less han 1 percen.24Homeless

    amilies also experience higher-han-average raes o domesic

    violence and menal illness.25Beween 22 percen and 57 percen

    o women experiencing homelessnessdepending on he

    sudyrepor ha domesic abuse was he immediae cause o

    heir homelessness.26

    Forunaely, homelessness among amilies is ypically no a

    long-erm experience. Abou 75 percen o amilies who enershelers are able o quickly exi wih litle or no assisance and never reurn.27

    Unorunaely, homelessness is paricularly hard on he developmen o children,

    who experience wice he rae o chronic illnesses, have hree imes he rae o

    emoional or behavioral problems, and have less han hal he rae o proficiency

    in mah and reading as heir housed peers.28Schools play an imporan role in

    recognizing and addressing homelessness, as he U.S. Deparmen o Educaion

    requires each sae educaional agency o ensure ha he more han 1.1 million

    sudens experiencing homelessness mainain access o public schools.29

    Unaccompanied youth

    A lack o adequae daa on homeless youh makes i difficul o precisely mea-

    sure he scale o he problem. Tis year, however, was he firs ime communi-

    ies submited poin-in-ime esimaes o homelessness in hree age caegories:

    under 18 years, 18 o 24 years, and 25 years and older. According o he daa,

    here were 46,924 unaccompanied homeless children and youh in he Unied

    Saes on a single nigh in January 2013, roughly 8 percen o he oal home-

    less populaion.30

    Young people ofen become homeless due o amily conflics,including divorce, neglec, and abuse.

    FIGURE 3

    Homeless population and subgroup

    2013 (in thousands)

    Source: U.S. Department of Housing and Urban Development, The 2

    Annual Homeless Assessment Report (AHAR) to Congress(2013), availa

    https://www.onecpd.info/resources/documents/AHAR-2013-Part1

    Chronic

    individuals

    18%

    Families

    36%

    Nonchronic

    individuals

    46%

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    6 Center for American Progress | No Place Like Home

    Sudies show ha a disproporionae amoun o hese youhup o 45 percen

    ideniy as lesbian, gay, bisexual or ransgender, or LGB. According o a recen

    Cener or American Progress repor, Seeking Sheler: Te Experiences and

    Unme Needs o LGB Homeless Youh, LGB youhs experiences o home-

    lessness coninue o be characerizedby violence, discriminaion, poor healh,

    and unme needs. Family rejecion, harassmenin schools, and he shorcomingso he juvenile jusice and child welare sysemsconinue o drive hese elevaed

    raes o homelessness. All he while, ederal unding oressenial services or hese

    youh has remained sagnan.31

    Economic and housing factors impacting homelessness

    Since he end o he Grea Recession, he wealhies households

    have ully recoveredand even shown income gainswhile

    middle-class and low-income amilies are sill suffering rom helingering effecs o he downurn wih litle o no improvemen

    in heir incomes.

    Te official povery rae in he Unied Saes was 15 percen

    in 2012, unchanged rom he previous year. According o a

    recen CAP repor, Reseting he Povery Debae: Renewing

    Our Commimen o Shared Prosperiy, his ranslaes ino

    nearly one in six people experiencing povery or 46.5 million

    Americans living on annual incomes o less han $18,287 or a

    amily o hree.32

    In addiion, he number o low-income rener households whose

    housing coss hem more han 50 percen o heir incomes

    increased by 14 percen rom 2010 o 2012, as rens have gone

    up while incomes remain sagnan.33As a resul o he oreclosure

    crisis and sruggling housing marke, more and more middle-

    class households are enering an already srained renal marke,

    increasing he compeiion or affordable housing resources.34

    Tis makes acquiring and mainaining housing more difficul or amilies andsingle aduls who are no chronically homeless.35

    FIGURE 4

    Income inequality has widened sinc

    the Great Recession

    Percent change in household earnings

    by income level

    Source: U.S. Census Bureau, Historical Income Tables: Households, T

    H-3, available at http://www.census.gov/hhes/www/income/data/

    ical/household/index.html (last accessed November 2013).

    6%

    5%

    4%

    3%

    2%

    1%

    0

    -1%

    -2%

    Lowest

    fifth

    Second

    fifth

    Third

    fifth

    Fourth

    fifth

    Highest

    fifth

    To

    per

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    7 Center for American Progress | No Place Like Home

    Federal efforts to combat

    homelessness

    Congress passed he Homeless Emergency Assisance and Rapid ransiion o

    Housing, or HEARH, Ac o 2009, which made subsanial changes o HUDs

    argeed homeless effors, including consolidaing hree separae homeless assis-

    ance programs, creaing a Rural Housing Sabiliy Assisance Program, increasing

    prevenion resources, and increasing emphasis on perormance.36Te HEARH

    Ac also charged he ederal governmen wih creaing he firs ederal sraegic

    plan o preven and end homelessness, seting orh he vision ha no one in his

    counry should be wihou a sae and sable place o call home.37

    As a resul, he Obama adminisraion launched he naions firs comprehensive

    plan o end homelessness, called Opening Doors, in June 2010. Te plan oulined

    a collaboraion among 19 U.S. agencies o align mainsream housing, healh, edu-

    caion, and human services o preven Americans rom experiencing homeless-

    ness. Te plan ocuses on our key goals:38

    Finish he job o ending chronic homelessness in five years.

    Preven and end homelessness among veerans in five years.

    Preven and end homelessness or amilies, youh, and children in 10 years.

    Se a pah o ending all ypes o homelessness.

    Opening Doors builds on he cross-agency effors argeing homelessness or

    povery, including he U.S. Deparmen o Agriculures Supplemenal Nuriion

    Assisance Program, or SNAP, ormerly known as ood samps; and he U.S.

    Deparmen o Healh and Human Servicess emporary Assisance or Needy

    Families, or ANF, program.39While here are programs across agencies ha help

    individuals and amilies experiencing homelessness, HUD adminisers some o

    he ederal governmens key argeed homeless programs. HUDs Coninuum oCare, or CoC, program is a se o hree compeiively awarded programs creaed

    o address he problems o homelessness in a comprehensive manner wih oher

    ederal agencies. Programs under he CoC include:40

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    8 Center for American Progress | No Place Like Home

    Supportive Housing Program,whichhelps develop housing and relaed sup-porive services or people moving rom homelessness o independen living

    Shelter Plus Care,whichprovides renal assisance ha, when combined wihsocial services, provides supporive housing or homeless people wih disabili-

    ies and heir amilies

    Single Room Occupancy, or SRO,whichprovides Secion 8 renal assisance orhe moderae rehabiliaion o buildings wih SRO unis, or single-room dwellings

    Te HEARH Ac also auhorized he esablishmen o he Emergency Soluions

    Gran program, which allows jurisdicions o coninue successul prevenion and

    rapid rehousing programs iniiaed by he Recovery Ac-unded Homelessness

    Prevenion and Rapid Re-Housing Program, or HPRP, and o broaden heir exis-

    ing emergency sheler and homelessness prevenion aciviies.41

    While many o he argeed homelessness programs have received fla unding,

    here has been an increase in ederal invesmen in permanen supporive hous-

    ing or veerans and chronically homeless individuals since he o incepion o

    Opening Doors in 2010.42Te VA parnered wih HUD in 2011 o ake early

    learning rom he 2009 HPRP o shape implemenaion o is Supporive Services

    or Veeran Families gran program, which has coninued o expand each year

    since i began.43While ederal invesmens have primarily gone o fighing chronic

    and veerans homelessness, success in hese areas reveals ha i is possible o

    make a significan impac on barriers o mainaining sable housing or oher indi-

    viduals and amilies experiencing homelessness.

    Despite national and local shortages of adequate shelter and affordable hous-

    ing, there has been a proliferation of local measures in recent years to criminalize

    acts of living by the homeless, such as sleeping, eating, sitting, or panhandling in

    public spaces. According to a study by the National Law Center on Homelessness

    and Poverty and the National Coalition for the Homeless, there was a 7 percent

    increase in laws prohibiting camping, an 11 percent increase in laws prohibiting

    loitering, and a 6 percent increase in laws prohibiting begging from 2006 to 2009.

    Failed strategies

    The criminalization of homelessness

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    9 Center for American Progress | No Place Like Home

    These ordinances are in large part a response to the frustration of business owners

    and community members who feel that homelessness compromises the safety

    and livability of their cities.44

    While such laws typically target the chronically homeless, homeless individuals who

    are not chronically homeless are also impacted. Furthermore, some states homelesspopulations include a large proportion of unsheltered families, including Wyoming

    at 64.2 percent; Colorado, 62.2 percent; Florida, 61.8 percent; Oregon, 49.5 percent;

    and Arkansas, 47.7 percent.45

    Act-of-living laws do little more than fuel inflammatory attitudes toward the poor.

    According to a report from the U.S. Interagency Council on Homelessness, or USICH,

    Rather than helping people to regain housing, obtain employment, or access

    needed treatment and services, criminalization creates a costly revolving door that

    circulates individuals experiencing homelessness from the street to the criminal

    justice system and back.46In fact, studies confirm that strategies focused on housing

    are more humane and economical.47An analysis of various cost studies of homeless-

    ness found that, on average, it costs nearly three times as much to send a homeless

    person to jail for a night as it does to send them to a shelter.48

    Rather than penalizing people for experiencing homelessness and devoting precious

    resources to solutions that only address problems at their surface, communities can

    better engage local police as participants in solutions to end homelessness. This

    strategy has been utilized in Portland, Oregon, in response to a state statute prohib-

    iting camping on public property. The citys police bureau adopted an administra-

    tive rule requiring officers to work closely with JOINa nonprofit organization that

    works with individuals and families experiencing homelessnessbefore removingany encampment. The policy requires 24-hour notice to the family or individual prior

    to the removal as well as notice to JOIN. This gives JOIN outreach workers the oppor-

    tunity to visit the campsites and convince campers to move to shelters with the goal

    of transitioning them to permanent housing.

    In instances where police officers must be involved in addressing homelessness, it

    is critical that a strategy is in place with service providers and other stakeholders to

    ensure they prioritize solutions that work.49

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    11 Center for American Progress | No Place Like Home

    wih Firs-ime Homelessness or Families and Individuals, ound ha providing

    emergency sheler o amilies generally coss as much or more han placing hem

    in ransiional or permanen housing hrough ederal housing subsidies, such as

    Secion 8 housing vouchers.55

    TABLE 1

    Average cost per family per month

    Emergency

    shelter

    Transitional

    housing

    Permanent

    supportive housing

    2006 fair market rent

    for two-bedroom unit

    District of Columbia $2,496$3,698 $2,146$2,188 $1,251 $1,225

    Houston $1,391 $1,940$4,482 $799 $743

    Kalamazoo $1,614 $813 $881 $612

    South Carolina $2,269 $1,209 $661 $599

    Source: Brooke Spellman and others, Costs Associated With First-Time Homelessness for Families and Individuals (Washington: U.S. Department of Housing and Urban

    Development, 2010), available at http://www.huduser.org/publications/pdf/Costs_Homeless.pdf.

    Prevenion assisance can aid households in preserving heir curren housing

    siuaion. Some communiies are working o ensure he coordinaion o homeless

    prevenion programs wih mainsream programs ocused on economic sabiliy,

    such as ANF, Supplemenal Securiy Income, and Medicaid.56Below are wo

    examples o communiies ha have made successul effors o preven and address

    homelessness hrough hese mehods.

    Denver, Colorado

    Denvers en Year Plan o End Homelessness, also called Denvers Road Home,

    is a regional effor ha ransiions people in need rom shelers ino housing, pro-

    vides renal assisance o preven individuals and amilies rom alling ino home-

    lessness, and includes privae-secor suppor o provide employmen placemen

    assisance.57Expansion o housing sock raher han sheler beds is cenral o he

    plan,which hascreaed almos 2,800 new housing unis since 2005. Te programs

    Denver Sree Oureach Collaboraion has housed 2,275 aduls and youh hrough

    is sree oureach effors and menored 1,208 amilies and seniors ou o home-

    lessness hrough a parnership wih he aih communiy. Overall, 96 percen ocliens served remained in permanen housing one year laer.58

    http://www.huduser.org/publications/pdf/Costs_Homeless.pdfhttp://www.huduser.org/publications/pdf/Costs_Homeless.pdf
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    In addiion, he plan creaed an Employmen Subcommitee, comprised o 55

    organizaions ha have a role in helping homeless job seekers become employed

    and sel-sufficien. Job seekers receive case managemen o assis wih employ-

    men goals. Services include needs assessmens, lie-skills raining, job-readiness

    and work-skills raining, ransporaion, and job-search suppor. Job seekers work-

    ing wih collaboraing subcommitee agencies have a cumulaive employmenreenion rae o 73 percen over a nine-monh period.59

    Utah

    Te Road Home, a nonprofi social services agency ha assiss individuals and

    amilies experiencing homelessness in Uah, has seen a 309 percen increase in he

    number o amilies urning o hem or help over he pas hree years.60Tey have

    responded o his dramaic need by increasing housing opions raher han building

    an addiional sheler. Trough heir rapid rehousing program, he Road Home wasable o help 1,100 amilies. Tis program addresses barriers o mainaining sable

    housing, such as unemploymen and subsance abuse, hrough housing placemen

    assisance, shor-erm subsidies, and supporive services. Eighy-seven percen o

    amilies served remain successully housed and have no reurned o homelessness.61

    Furhermore, he Uah Deparmen o Workorce Services co-locaes saff a he

    Road Home o help amilies ge conneced o benefis and provide he inensive

    employmen services hey need o find jobs quickly. Te deparmen also provides

    ANF resources o he Road Home o cover he firs our monhs o amilies

    rens while rapidly rehoused parens are searching or employmen. Boh agen-

    cies resources are being used o provide inegraed employmen and housing

    inervenions ha help amilies sabilize in heir own housing quickly and avoid

    uure homelessness.62Te program reduced he average lengh o amily home-

    less episodes by more han 50 percen, rom 71 days o 26 days.63

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    The nations fiscal crisis has led states and localities to reduce or eliminate funding

    for key services that prevent and end homelessness. Most communities today lack

    adequate shelter and housing; therefore, people experiencing homelessness are

    becoming unsheltered.64

    Cuts at the federal level are also exacerbating the situation. According to the Center

    on Budget and Policy Priorities, or CBPP, cuts through sequestration could result in

    125,000 to 185,000 individuals and families, including elderly and disabled individu-

    als, losing assistance through the Housing Choice Voucher, or HCV, program, also

    known as Section 8; these people would then be at risk of becoming homeless.65

    Section 8 vouchers help very low-income families, seniors, and people with dis-

    abilities afford private housing. According to CBPP, since many communities accord

    priority in issuing vouchers to people who are homeless or at imminent risk of home-

    lessness, these cuts in housing vouchers will exacerbate homelessness.66

    Fiscal threats

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    Recommendations

    Te good news is ha we generally undersand wha i akes o end homeless-

    ness. Mos households oday become homeless because o economic acors bu

    have already lived in independen permanen housing and are capable o being

    sably housed wih limied assisance. Prevenion and rapid rehousing srae-

    gies can help amilies and individuals recover quickly and avoid he impacs

    o an exended period o homelessness. Te bad news is ha resources are

    increasingly scarce. We canno depend on argeed homeless resources o house

    people in he long erm, bu we neverheless coninue o ace affordable hous-ing shorages. Invesing in sable housing or low-income people is cos effecive

    or communiies in he long run, because sable housing improves educaional,

    employmen, and healh oucomes.

    Building off he case sudies above, here are recommendaions or how commu-

    niies can use heir homeless resources in more cos-effecive ways, how we can

    srenghen our affordable housing sysem, and how we can address he roo causes

    o homelessness: povery and income inequaliy.

    Align homeless and mainstream services

    argeed homeless resources are criical o addressing he specific needs o individu-

    als and amilies experiencing a bou o homelessness. A number o sae and local

    governmens as well as nonprofi organizaions adminiser criical resources, such

    as emergency shelers and income suppors, argeing such amilies and individuals.

    I is imporan, however, or communiies o consider he many ways mainsream

    resources, such as Medicaid, ANF, SNAP, and oher programs, can enhance heir

    effors, as hese programs are designed o help lif people ou o povery.

    Some ederal programs already require his coordinaion: HUDs Sheler Plus

    Care program, described earlier, requires a mach o supporive services, which

    can be unded by oher ederal, sae, or local sources as well as privae sources.67

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    When such coordinaion is no required, communiies should sill consider how

    o leverage resources o produce greaer resuls. As he Road Home program in

    Uah illusraes, breaking down silos, leveraging resources, and esablishing shared

    goals beween homeless service providers and mainsream services can help

    enhance he efficiency and cos effeciveness o hese effors. Tere are a number

    o resources available o communiies o help in his process.68

    In order o beter align resources and goals o preven and end homeless-

    ness, USICH encourages saes o esablish a Sae Ineragency Council on

    Homelessness wih represenaion rom he heads o mainsream income suppor,

    healh care, human services, veerans, housing, correcions, ransporaion, educa-

    ion, and labor deparmens and agencies. o aid in his process, USICH pro-

    duced a sep-by-sep Guide or Developing a Sae Ineragency Council, which

    advises saes on how o esablish a council and bes pracices or aligning goals as

    well as how o suppor local governmens.69

    Te Deparmen o Healh and Human Services also released a repor las year,

    iled Linking Human Services and Housing Assisance or Homeless Families

    and Families a Risk o Homelessness, ocusing on 14 local programs ha link

    human services wih housing suppors o help homeless amilies. As a resul o

    his sudy, 10 promising pracices were developed and characerisics o hese pro-

    grams were shared, increasing he ederal governmens undersanding o how o

    bes inegrae mainsream resources o assis amilies experiencing homelessness.

    Sraegies included orging relaionships beween case managers, housing special-

    iss, and landlords o increase housing opions.70

    In addiion, a number o ederal agencies provide various ypes o echnical assis-

    ance relaed o heir argeed and mainsream programs. echnical assisance,

    or A, can involve ongoing communicaion wih A providers who offer advice

    and suppor as well as conduc possible sie visis o build skills, knowledge, and

    capaciy or aking ull advanage o ederal programs. USICH provides inorma-

    ion on he level o A and how o reques assisance on is websie. 71

    Lasly, co-locaing various services in he same aciliy can help individuals and

    amilies beter access available resources.72

    Te Disric o Columbia Deparmeno Human Services once operaed ANF, Family Sheler, and Child Care Eligibiliy

    as separae programs, which mean unding assessmen and case managemen

    separaely. Bu abou 95 percen o amilies applying or homeless services are also

    eligible or ANF benefis.73As a resul, he Disric adoped a sraegic plan o

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    inegrae assessmen and case planning and co-locaed hese services in one locaion.

    Oher ciies, such as San Francisco, hold evens where homeless individuals and

    amilies can access an array o servicesrom denal care o idenificaion cards o

    employmen counselinga one locaion, in one day.74

    Expand affordable housing

    As discussed earlier, rapid rehousing is an effecive sraegy o ensure ha indi-

    viduals and amilies experiencing a bou o homelessness brough on by economic

    acors can recover quickly.Unorunaely, he supply o affordable housing con-

    inues o all ar shor o he need. According o USICH, Tis shorage is one o

    he greaes obsacles o prevening and ending homelessness in all is orms.75I

    is necessary o ensure ha more low-income people have greaer access o afford-

    able housing while a he same ime ensuring ha our housing marke suppors

    he preservaion and creaion o such housing.

    Increase access to affordable housing

    Te Housing Choice Voucher, or HCV, program, also known as Secion 8, helps 2.2

    million low-income households ren privae housing a an affordable cos by reim-

    bursing landlords or he difference beween wha a household can afford o pay and

    he ren isel.76Tese households have average annual incomes o abou $12,500,

    well below he povery line. Research rom he Governmen Accounabiliy Office

    and ohers has consisenly ound he voucher program o be a cos-effecive means

    o helping low-income amilies afford decen, sable housing and avoid homeless-

    ness.77Because o unding limiaions, however, only one in our eligible households

    receives a housing voucher or oher ype o ederal renal assisance.78

    Several naional housing organizaions sen a leter o House and Senae appropri-

    aors in Ocober, urging hem o include 11 provisions or reorm in he fiscal year

    2014 appropriaions bill.79One recommendaion is o reorm screening crieria

    or he projec-based HCV programin which a specific renal uni is subsi-

    dizedso ha landlords are limied o only using crieria ha deermine whehersomeone is suiable o be a enan. Owners are currenly required o exclude

    any household conaining a member who may have been eviced rom ederally

    assised housing over he pas hree years due o drugs, and hey are no required

    o exemp people who have compleed rehabiliaion programs. Owners may also

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    esablish addiional screening crieria ha can creae barriers. For example, an

    owner may have sric policies relaed o criminal backgrounds, previous renal

    housing hisory, and debs, which can screen ou individuals and amilies experi-

    encing exreme povery and homelessness who may have aced evicions or had

    poor credi due o pas financial circumsances and need assisance oday o regain

    sabiliy.80

    Insead, an owners screening crieria should be direcly relaed o anapplicans curren abiliy o ulfill he obligaions o an assised lease, which can

    be demonsraed hrough employmen, compleion o rehabiliaion programs,

    and oher indicaors o progress rom pas barriers.

    Oher proposed reorms include esing sraegies o leverage privae unds o pre-

    serve public housing unis and making amilies served by he projec-based HCV

    program eligible or he Family Sel-Sufficiency program, which provides job

    counseling and financial incenives o work and save or renal assisance recipi-

    ens.81We urge Congress o consider hese reorms in order o increase efficiency

    and expand he HCV program. Furhermore, Congress should resore he HCVprogramas well as is adminisraion cosso is presequesraion levels o

    ensure ha more low-income amilies have access o qualiy housing. Te CBPP

    esimaes ha hese coss would oal approximaely $19.39 billion.82

    Support the financing of affordable housing

    As he housing marke coninues o recover rom he 2008 crisis, Congress is seek-

    ing o reorm he housing finance sysem. Key quesions include how o srucure

    he governmens role in he sysem, ensure sandardizaion, suppor affordable

    housing, and ensure access o affordable and susainable credi or all communi-

    ies and crediworhy borrowers. According o Julia Gordon, CAPs Direcor o

    Housing Finance and Policy:

    A new system could restore balance to the housing market, provide credit to

    a broad and diverse population, and result in a larger, more stable housing

    market. Alternatively, it could also create an environment in which credit and

    housing choices are more costly, more limited, and less sustainable, especially for

    minority low- and moderate-income households.83

    As hese discussions move orward, Congress mus ensure ha he newsysemprovides financing o preserve he exising privaely owned, affordable housing

    sock and suppor he consrucion o new affordable unis. Trough he Federal

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    18 Center for American Progress | No Place Like Home

    Housing Adminisraion, Fannie Mae, and Freddie Mac, he ederal governmen

    helps provide such financing, which is no always available in he purely privae

    marke. Te new sysem should coninue o guaranee muliamily securiies, shar-

    ing risk wih he privae secor as i does now, and ensure ha a significan porion

    o his financing goes oward affordable unis.84

    In addiion, any new housing finance sysem should charge a ee on all morgage-

    backed securiies ha would provide capial or he Naional Housing rus Fund

    and Capial Magne Fund, boh o which were esablished by he Housing and

    Economic Recovery Ac o 2008. Te Housing rus Fund is a ormula gran pro-

    gram o saes, adminisered by HUD and designed o suppor renal housing or

    exremely low- and very low-income amilies. Te Capial Magne Fund, admin-

    isered by he Communiy Developmen Financial Insiuion, or CDFI, Fund a

    he U.S. reasury, provides grans o CDFIs and oher nonprofis o suppor renal

    housing or low-income amilies.85CAP has also proposed using such ees o cre-

    ae a Marke Access Fund o suppor he research and developmen o innovaiveproducs and processes o reach underserved communiies. For more inormaion

    on he role o housing finance reorm in affordable housing, see he CAP repors

    Housing Finance Reorm: Affordable Renal Housing a Sake86and Making

    he Morgage Marke Work or Americas Families.87

    Increase economic stability and address income inequality

    As saed a he beginning o his repor, income inequaliy is in large par o blame

    or he exisence o wha researchers someimes reer o as modern homelessness.

    Forunaely, our saey ne is helping lif amilies ou o povery and mee heir basic

    needs. Esimaes show ha unemploymen insurance helped 1.7 million addiional

    people avoid povery las year, and wihou Social Securiy, nearly 15.3 million addi-

    ional seniors would have lived in povery.88Unorunaely, our saey ne is working

    overime o make up or sagnan wages and ewer opporuniies.

    In order o help lif amilies ou o povery and avoid homelessness, amilies and

    individuals need access o well-paying jobs, affordable housing, and suppor ha is

    available during an unoreseen crisis, such as a medical emergency or losing onesjob. In CAPs Reseting he Povery Debae: Renewing Our Commimen o

    Shared Prosperiy, we recommend a number o policies ha would help address

    income inequaliy and help amilies acing homelessness, including:

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    Proecing effecive work and income suppors, such as SNAP and low-income

    ax credis, rom cus

    Invesing in job-creaion measures, such as he Pahways Back o Work Fund

    ha creaes subsidized work opporuniies or low-income and long-erm

    unemployed workers

    Boosing he minimum wage and enacing basic labor sandards, such as guaran-

    eed paid sick days

    Increasing access o affordable healh insurance hrough he Affordable Care Acs

    opion or saes o expand Medicaid o cover low-income, uninsured aduls

    Enacing a plan o expand affordable and high-qualiy child care and pre-K, a

    policy ha would improve oucomes or a-risk children, enable low-income

    parens o work, and creae jobs or care workers

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    Conclusion

    Te cenral ene o he ederal plan o end homelessness is he belie ha no indi-

    vidual or amily should ever experience he insabiliy o living wihou a home.

    Now more han ever, we undersand wha sraegies work o preven homeless-

    ness, and communiies across he counry are doing heir par o end homeless-

    ness. Bu we canno le hese effors be hindered by sagnan wages, higher rens,

    and he whitling down o our saey ne. I we ruly believe ha no one should

    experience he uncerainy and pain o no knowing where hey will live or how

    long hey will be ou o a home, we mus coninue o inves in prevenaive mea-suressuch as expanding affordable housing and paying living wagesha will

    preven us rom paying he higher coss associaed wih crisis inervenions.

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    About the author

    Tracey Rossis a Senior Policy Analys wih he Povery o Prosperiy Program

    a he Cener or American Progress. In his role, she ocuses on place-based

    responses o fighing povery. Prior o joining he Cener, she was a program asso-

    ciae a Living Ciies where she worked on heir signaure effor, Te InegraionIniiaive, supporing ciies as hey work o ransorm broken sysems o mee he

    needs o low-income residens. She was seleced as a Nex American Vanguard,

    Next City Magazines recogniion o 40 urban leaders under 40, in 2012.

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    22 Center for American Progress | No Place Like Home

    Acknowledgements

    Tank you o Cener or American Progress saff members Melissa Boeach, Julia

    Gordon, and Laura Durso. Special hanks o Barbara Poppe, execuive direcor o

    he U.S. Ineragency Council on Homelessness, and Jeremy Rosen, policy direcor

    a he Naional Law Cener on Homelessness and Povery.

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    23 Center for American Progress | No Place Like Home

    Endnotes

    1 U.S. Interagency Council on Homelessness, OpeningDoors: Federal Strategic Plan to Prevent and End Home-lessness (2010), available athttp://www.usich.gov/PDF/OpeningDoors_2010_FSPPreventEndHomeless.pdf.

    2 Brendan OFlaherty, Making Room: The Economics ofHomelessness (Cambridge, MA: Harvard University

    Press, 1996).

    3 Diane Jeantet, A Brief History of Homelessness in NewYork, City Limits, March 11, 2013, available at http://www.citylimits.org/news/articles/4755/#.UmaT5vlnSSo.

    4 National Coalition for the Homeless,Employmentand Homelessness (2009), available athttp://www.nationalhomeless.org/factsheets/employment.html.

    5 Institute for Children, Poverty, and Homelessness,A Home by Any Other Name: Enhancing SheltersAddresses the Gap in Low-income Housing (2012),available at http://www.icphusa.org/filelibrary/ICPH_PolicyBrief_AHomeByAnyOtherName.pdf.

    6 Joint Center for Housing Studies, The State of theNations Housing 2013 (2013), available at http://www.

    jchs.harvard.edu/sites/jchs.harvard.edu/files/son2013.

    pdf.

    7 Bipartisan Policy Center, Housing Americas Future:New Directions for National Policy (2013), availableat http://bipartisanpolicy.org/sites/default/files/BPC_Housing%20Report_web_0.pdf.

    8 U.S. Department of Housing and Urban Development,Determining Homeless and At-Risk Status, Income,and Disability, available at https://www.onecpd.info/resources/documents/DeterminingParticipantSta-tus_12.20.11.pdf(last accessed November 2013).

    9 Melissa Boteach and others, Resetting the Poverty De-bate: Renewing Our Commitment to Shared Prosperity(Washington: Center for American Progress ActionFund, 2013), available at http://www.americanpro-gressaction.org/wp-content/uploads/2013/10/Half-InTen_2013_CAP1.pdf.

    10 U.S. Department of Housing and Urban Development,The 2013 Annual Homeless Assessment Repor t (AHAR) toCongress(2013), available athttps://www.onecpd.info/resources/documents/AHAR-2013-Part1.pdf.

    11 National Alliance to End Homelessness, TheState of Homelessness in America 2013(2013), available athttp://b.3cdn.net/naeh/bb34a7e4cd84ee985c_3vm6r7cjh.pdf.

    12 National Alliance to End Homelessness, Changes in theHUD Definition of Homeless, available at http://b.3cdn.net/naeh/579e3b67bd7eeb3fc3_q0m6i6az8.pdf(last accessed November 2013).

    13 Ibid.

    14 U.S. Department of Housing and Urban Development,

    The 2013 Annual Homeless Assessment Repor t (AHAR) toCongress.

    15 Ibid.

    16 National Alliance to End Homelessness, The State ofHomelessness in America 2013.

    17 U.S. Department of Housing and Urban Development,The 2013 Annual Homeless Assessment Repor t (AHAR) toCongress.

    18 Ibid.

    19 National Alliance to End Homelessness, The State ofHomelessness in America 2013.

    20 Army Sgt. 1st Class Michael J. Carden, Shinseki OutlinesPlan to End Veteran Homelessness, American ForcesPress Service, November 3, 2009, available at http://

    www.defense.gov/News/NewsArticle.aspx?ID=56515.

    21 U.S. Department of Housing and Urban Development,The 2013 Annual Homeless Assessment Report (AHAR) toCongress.

    22 Lawrence J. Korband Patrick Murphy,PresidentObamas Commitment to Veterans Must Remain aSecond-Term Priority, Center for American Progress,February 13, 2013, available athttp://www.american-progress.org/issues/military/news/2013/02/13/53328/president-obamas-commitment-to-veterans-must-remain-a-second-term-priority.

    23 U.S. Department of Housing and Urban Development,The 2013 Annual Homeless Assessment Report (AHAR) to

    Congress.

    24 Ibid.

    25 National Alliance to End Homelessness, Families,available at http://www.endhomelessness.org/pages/families(last accessed November 2013).

    26 U.S. Interagency Council on Homelessness, OpeningDoors.

    27 National Alliance to End Homelessness, Families.

    28 Greg Kaufman, America is Ignoring Homeless Families,Moyers & Company, April 21, 2013, available athttp://billmoyers.com/2013/04/21/america-is-ignoring-home-less-families.

    29 U.S. Interagency Council on Homelessness, PublicSchools: Counting and Caring for Children Experienc-ing Homelessness, available at http://usich.gov/member_agency/department_of_education/public_

    schools_counting_and_caring_for_children_experienc-ing_homelessness(last accessed November 2013).

    30 U.S. Department of Housing and Urban Development,The 2013 Annual Homeless Assessment Repor t (AHAR) to

    Congress.

    31 Andrew Cray, Katie Miller, and Laura E. Durso, Seek-ing Shelter: The Experiences and Unmet Needs ofLGBT Homeless Youth (Washington: Center forAmerican Progress, 2013), available athttp://www.americanprogress.org/wp-content/uploads/2013/09/LGBTHomelessYouth.pdf.

    32 Boteach and others, Resetting the Poverty Debate.

    33 Douglas Rice, Deficit Reduction Deal Without Substan-tial New Revenues Would Almost Certainly Force DeepCuts in Housing Assistance (Washington: Center on

    Budget and Policy Priorities, 2012), available athttp://www.cbpp.org/cms/index.cfm?fa=view&id=3866.

    34 Lucia Mutikani, U.S. Homeownership Rate Falls to17-Year Low As More Rent, AOL Real Estate blog,May 2, 2013, available athttp://realestate.aol.com/blog/2013/05/01/homeownership-rate-2013.

    35 National Alliance to End Homelessness, The State ofHomelessness in America 2013.

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    36 OneCPD Resource Exchange, Homeless Emergency As-sistance and Rapid Transition to Housing Act, availableat https://www.onecpd.info/homelessness-assistance/hearth-act(last accessed November 2013).

    37 U.S. Interagency Council on Homelessness, HEARTHand Your Community, available athttp://usich.gov/index.php/member_agency/department_of_hous-ing_and_urban_development/hearth(last accessedNovember 2013).

    38 U.S. Interagency Council on Homelessness, Opening

    Doors.

    39 Ibid.

    40 U.S. Department of Housing and Urban Development,Competitively Awarded Homeless Programs (Con-tinuum of Care), available athttp://portal.hud.gov/hudportal/HUD?src=/program_offices/comm_plan-ning/homeless/programs/coc(last accessed November2013).

    41 U.S. Interagency Council on Homelessness, HEARTHand Your Community.

    42 U.S. Interagency Council on Homelessness, OpeningDoors: Federal Strategic Plan to Prevent and EndHomelessness Update 2012 (2012), available at http://www.usich.gov/resources/uploads/asset_library/Up-date2012_FINALweb.pdf.

    43 Ibid.

    44 U.S. Interagency Council on Homelessness, Search-ing Out Solutions: Constructive Alternatives to theCriminalization of Homelessness (2012), available athttp://www.usich.gov/resources/uploads/asset_library/RPT_SoS_March2012.pdf.

    45 Alvaro Cortes and others, The 2012 Point-in-TimeEstimates of Homelessness (Washington: U.S Depart-ment of Housing and Urban Development, 2012),available at http://abtassociates.com/AbtAssociates/files/77/77fdb6fa-6e6b-4524-8b5a-8e68c68caca9.pdf.

    46 U.S. Interagency Council on Homelessness, SearchingOut Solutions.

    47 The National Law Center on Homelessness & Poverty

    and The National Coalition for the Homeless, HomesNot Handcuffs: The Criminalization of Homelessness inU.S. Cities (2009), available athttp://www.nation-alhomeless.org/publications/crimreport/CrimzRe-port_2009.pdf.

    48 U.S. Interagency Council on Homelessness, OpeningDoors.

    49 U.S. Interagency Council on Homelessness, SearchingOut Solutions.

    50 National Alliance to End Homelessness, A Plan, Not aDream: How to End Homelessness in Ten Years (2006),available at http://www.endhomelessness.org/library/entry/a-plan-not-a-dream-how-to-end-homelessness-in-ten-years.

    51 National Alliance to End Homelessness, Rapid Re-

    Housing and Prevention, available athttp://www.endhomelessness.org/pages/prevention-and-rapid-re-housing (last accessed November 2013).

    52 Sharon McDonald, Using TANF to Address FamilyHomelessness (2013), available at http://www.nga.org/files/live/sites/NGA/files/pdf/2013/1310HSPolicyInstituteMcDonald.pdf.

    53 U.S. Interagency Council on Homelessness, OpeningDoors.

    54 Brooke Spellman and others, Costs Associated WithFirst-Time Homelessness for Families and Individuals(Washington: U.S. Department of Housing and UrbanDevelopment, 2010), available athttp://www.huduser.org/publications/pdf/Costs_Homeless.pdf.

    55 Ibid.

    56 U.S. Interagency Council on Homelessness, Opening

    Doors.

    57 U.S. Interagency Council on Homelessness, SearchingOut Solutions.

    58 Denvers Road Home, Current State - Year 8, availableat http://www.denversroadhome.org/state.php?id_cat=1(last accessed November 2013).

    59 Denvers Road Home, 2010 Annual Update: Year 5(2010), available athttp://www.denversroadhome.org/files/DRH_AnnualReport2011_vF_crops.pdf.

    60 The Road Home, Rapid Rehousing, available at http://www.theroadhome.org/services/housing/rapid-rehousing(last accessed November 2013).

    61 Ibid.

    62 Michelle Flynn, Promising Strategies: Utah WorkforceServices and The Road Home (Washington: NationalAlliance to End Homelessness, 2013), available at http://b.3cdn.net/naeh/3dc987b56fb1d727c2_a5m6i29ud.pdf.

    63 McDonald, Using TANF to Address Family Homeless-ness.

    64 U.S. Interagency Council on Homelessness, OpeningDoors: Update 2012.

    65 Rice, Deficit Reduction Deal Without Substantial NewRevenues Would Almost Certainly Force Deep Cuts inHousing Assistance.

    66 Douglas Rice, Sequestration Could Deny Rental As-sistance to 140,000 Low-Income Families(Washington:Center on Budget and Policy Priorities, 2013), available

    at http://www.cbpp.org/cms/?fa=view&id=3945.

    67 U.S. Department of Housing and Urban Development,Shelter Plus Care Program (S+C), available athttp://portal.hud.gov/hudportal/HUD?src=/program_offices/comm_planning/homeless/programs/splusc(last ac-cessed November 2013).

    68 U.S. Interagency Council on Homelessness, Developinga State Interagency Council on Homelessness: A Step-by-Step Guide, available at http://usich.gov/resources/uploads/asset_library/pptsich.pdf (last accessedNovember 2013).

    69 Alvaro Cortes and others, Linking Human Services andHousing Assistance for Homeless Families and Familiesat Risk of Homelessness (Bethesda, MD: Abt Associates,2012), available athttp://aspe.hhs.gov/hsp/12/Linking-Services2HomelessFamilies/index.pdf.

    70 Ibid.

    71 U.S. Interagency Council on Homelessness, AccessTechnical Assistance, available at http://usich.gov/usich_resources/how_to_access_techinical_assistance(last accessed November 2013).

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    25 Center for American Progress | No Place Like Home

    72 District of Columbia Department of Human Services,Virginia Williams Family Resource Center Relocates,available athttp://dhs.dc.gov/page/virginia-williams-family-resource-center-relocates(last accessed Novem-ber 2013).

    73 Virginia Williams Family Resource Center, DHS Home-lessness Services I ntegration Plan. White Paper (2013).

    74 Scott Keyes, The Most Innovative Homeless ServiceYouve Never Heard Of, ThinkProgress, October 18,2013, available at http://thinkprogress.org/econo-

    my/2013/10/18/2779251/project-homeless-connect.

    75 U.S. Interagency Council on Homelessness, OpeningDoors: Update 2012.

    76 U.S. Department of Housing and Urban Development,PUBLIC AND INDIAN HOUSING TENANT-BASED RENTALASSISTANCE: 2013 Summary Statement and Initiatives,available athttp://portal.hud.gov/hudportal/docu-ments/huddoc?id=tenant-based.pdf(last accessedNovember 2013).

    77 Rice, Sequestration Could Deny Rental Assistance to140,000 Low-Income Families.

    78 Bipartisan Policy Center, Housing Americas Future.

    79 Letter from Center on Budget and Policy Prioritiesand others to the Senate and House Appropriations

    Committees, October 21, 2013, available athttp://nlihc.org/sites/default/files/Appropriators_Reform_Poli-cies_Ltr_10-21-13.pdf.

    80 U.S. Department of Housing and Urban Development,Implementation and approval of owner-adoptedadmissions preferences for individuals or familiesexperiencing homelessness, July 25, 2013, availableat http://portal.hud.gov/hudportal/documents/huddoc?id=13-21hsgn.pdf.

    81 Letter from Center on Budget and Policy Priorities andothers to the Senate and House Appropriations Com-mittees.

    82 Douglas Rice, Sequestration Could Cut Housing Vouch-ers for as Many as 18 5,000 Low-Income Families by theEnd of 2014 (Washington: Center on Budget and PolicyPriorities, 2013), available at http://www.cbpp.org/cms/index.cfm?fa=view&id=4044.

    83 Julia Gordon, Essential Elements of Housing FinanceReform, Testimony before the Senate Committee on

    Banking, Housing, and Urban Affairs, September 12,2013, available at http://www.americanprogress.org/wp-content/uploads/2013/09/Julia-Gordon-Essential-Elements-Testimony-9-12-13-1.pdf.

    84 Center for American Progress and the National Councilof La Raza, Making the Mortgage Market Work forAmericas Families (2013), available at http://www.americanprogress.org/wp-content/uploads/2013/06/AccessAffordHousing1.pdf.

    85 Ibid.

    86 The CAP Housing Team, Housing Finance Reform: Af-fordable Rental Housing at Stake (Washington: Centerfor American Progress, 2013), available athttp://www.americanprogress.org/wp-content/uploads/2013/10/HousingFinanceReform_3.pdf.

    87 Center for American Progress and National Councilof La Raza, Making the Mortgage Market Work forAmericas Families.

    88 Melissa Boteach, The Top 3 Things You Need to KnowAbout the New Poverty and Income Data, Center forAmerican Progress, September 17, 2013, available athttp://www.americanprogress.org/issues/poverty/news/2013/09/17/74429/the-top-3-things-you-need-to-know-about-the-new-poverty-and-income-data.

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