HAC News: September 2, 2021

Vol. 50, No. 18

TOP STORIES

Supreme Court invalidates eviction moratorium.

The Centers for Disease Control did not have sufficient authority to issue its August 3 eviction moratorium, the Supreme Court ruled on August 26. The court held that the administration cannot impose another moratorium on tenant evictions unless Congress specifically authorizes it. HAC expressed concern about the decision’s impact on rural residents, given that the pandemic and the unprecedented job loss it caused have exacerbated longstanding rural housing challenges. Some state and local eviction limitations remain in place. Resources for tenants, landlords, and homeowners are collected on HAC’s site.

Agencies take steps to assist renters.

Federal agencies have instituted new flexibilities and issued reminders to help tenants who have fallen behind on rent and utilities payments.

  • USDA will work with its multifamily property owners to mitigate evictions. USDA also announced permission for owners to access reserves for operating shortfalls while waiting to receive Emergency Rental Assistance, financial incentives to property management agents that tap ERA to clear arrearages, and increased support from USDA field staff.
  • The Treasury Department issued revised FAQs and an announcement about policy changes intended to help state and local governments and their partners to distribute Emergency Rental Assistance funds.
  • “Shallow Subsidy” rental assistance funds for veteran households are now available nationwide from VA’s Supportive Services for Veteran Families program.
  • HUD Secretary Marcia Fudge, Treasury Secretary Janet Yellen, and Attorney General Merrick Garland encouraged states and localities to act, including imposing eviction moratoriums and connecting eviction proceedings to rent aid applications.

Administration efforts to provide more affordable housing announced.

On September 1, the Biden administration announced a series of actions it intends to take to increase the supply of affordable homes for renters and owners. The provisions include raising the caps on Fannie Mae’s and Freddie Mac’s Low Income Housing Tax Credit investments and requiring a larger portion of those LIHTC investments be targeted to rural places; increasing financing for CDFIs; emphasizing sale of foreclosed single-family homes to families and nonprofits; and increasing state housing finance agencies’ ability to finance affordable rental housing by restarting the Federal Financing Bank’s support of FHA’s Risk-Sharing Program. The administration also asked state and local governments to remove regulatory barriers.

Budget resolution and infrastructure bill move in House.

The House passed the $3.5 trillion budget resolution on August 24. Next, committees in both the House and the Senate will draft legislative language, including specific amounts for specific programs. The House also moved forward on the bipartisan infrastructure bill, scheduling a vote for September 27. Annual appropriations bills for FY22, which begins on October 1, 2021, have not advanced; Congress will need to adopt a continuing resolution to keep the government functioning beyond September.

Save the date! 2021 National Rural Housing Conference scheduled.

HAC is pleased to announce plans to convene its 2021 National Rural Housing Conference and Training! The conference provides an excellent opportunity to network and improve connections to federal agencies, national intermediary organizations, and other stakeholders. The HAC News will announce when registration opens.

Nominate individuals or organizations for rural housing awards.

As part of the 2021 National Rural Housing Conference, HAC will recognize individuals and/or organizations that have, through their continued work and or newly established initiatives, made a positive and lasting impact in rural America. HAC invites nominations by September 17 of those who have made outstanding and enduring contribution to affordable housing in rural America. This year, HAC will consider each nomination on its own merits, relative to the specified contributions. More details and a list of potential categories are posted on HAC’s site. For more information, contact Miguel Guevara, HAC.

RuralSTAT

Between August 1 and August 31, communities outside of metropolitan areas reported nearly 700,000 new cases of COVID-19 – a 291% increase over the previous 30-day period. Source: HAC tabulations of public health data from the New York Times. A Rural Research Note updating the COVID-19 situation in rural America is available on HAC’s site.

 

OPPORTUNITIES

HUD offers funds for Native American housing.

  • The Indian Housing Block Grant competitive program helps tribes and Tribally Designated Housing Entities maintain, develop, and operate affordable housing. The deadline is December 1. For more information, contact HUD staff.
  • The Indian Community Development Block Grant program will finance tribes to develop community facilities, carry out public works projects, and provide economic development assistance. Apply by October 25. For more information, contact HUD staff.
  • HUD will accept applications for ICDBG funds appropriated by the American Rescue Plan Act in accordance with HUD Notice PIH-2021-22. For more information, contact HUD staff.

Webinar planned on rural community engagement.

CIRD: Models and Practices for Meaningful Community Engagement, scheduled for September 15, will ask what meaningful community engagement work looks like for rural communities. The webinar, sponsored by the Citizens’ Institute for Rural Design, will give participants a chance to share engagement strategies and learn new ways to strengthen community engaged design work. It will also cover engagement in the context of COVID-19 and building greater inclusivity with community members whose identities differ from our own.

HAC seeks Community Facilities Housing Specialist.

The Community Facilities Housing Specialist identifies and engages community stakeholders and provides direct technical assistance to rural organizations that are developing facilities such as parks, community centers, public libraries and childcare centers. This includes helping them identify, utilize, and apply for financial resources such as USDA Community Facilities grants and loans. This is a two-year position and is eligible for telecommuting.

REGULATIONS AND FEDERAL AGENCIES

“Public charge” comments sought.

U.S. Citizenship and Immigration Services is revising the regulation that bars immigrants considered likely to become “public charges” because of their use of government assistance. Comments are due October 22. USCIS will hold virtual listening sessions on September 14 (for the general public) and October 5 (for state, local, and tribal governments and nonprofits). For more information, contact Andrew Parker, USCIS, 240-721-3000.

Reimbursement for non-congregate shelters extended.

FEMA will provide 100% reimbursement for some emergency measures taken through December 31, 2021 by state, local, and tribal governments and nonprofits to protect against immediate threats to life, public health, or property. During the coronavirus disaster, this category includes non-congregate sheltering of people experiencing homelessness.

Input requested on federal homelessness plan.

The U.S. Interagency Council on Homelessness seeks public comments as it creates a new Federal Strategic Plan to Prevent and End Homelessness. USICH invites feedback from anyone, particularly people who have experienced or are currently experiencing homelessness; people who serve the LGBT, BIPOC, or veteran communities; and people whose work involves the justice system.

HAC agrees with HUD fair housing rule.

HAC has submitted a comment letter supporting HUD’s proposed cancellation of a fair housing regulation issued by the Trump administration in September 2020. This rule governs fair housing violation claims based on policies or actions with “disparate impacts” on categories of people protected by the Fair Housing Act.

PUBLICATIONS AND MEDIA

HAC offers information for survivors of Hurricane Ida and TN floods.

Disaster guides for areas hit by Hurricane Ida and for places in middle Tennessee that flooded on August 21 are posted on HAC’s website.

CDBG-CV Rural Economic Development Quick Guide published.

A new guide from HUD is intended to help states and rural places use Community Development Block Grant CARES Act (CDBG-CV) funding to support the local economic development infrastructure needed for pandemic recovery. The guide covers the economic development needs of rural communities, best practices, and duplication of benefits.

Housing helps Navajo Nation deal with pandemic.

For Navajo, Crowded Homes Have Always Been a Lifeline. The Pandemic Threatens That, an interactive video published by the Washington Post, illustrates both pre-pandemic housing inadequacies on the Navajo Nation and the cultural importance of multi-generational living. About 300 tiny homes have been built near existing residences to allow family members to isolate as necessary.

As federal pandemic relief ends, rural food insecurity is expected to rise.

The Daily Yonder reports in Experts: Food Insecurity in Rural Areas Likely to Increase in Months to Come that as federal benefits such as unemployment assistance expire in September, food insecurity will probably increase. Previous studies have indicated that rural areas have higher rates of food insecurity than the rest of the country.

Rural news providers try to bridge the information divide.

Nieman Reports provides an overview of six rural-based news outlets, including the Daily Yonder, Southerly, the News Reporter, High Country News, Ohio Valley ReSource, and Mountain State Spotlight. These outlets aim to provide culturally competent news that is important to local audiences.

Need capital for your affordable housing project?

HAC’s loan fund provides low interest rate loans to support single- and multifamily affordable housing projects for low-income rural residents throughout the U.S. and territories. Capital is available for all types of affordable and mixed-income housing projects, including preservation, new development, farmworker, senior and veteran housing. HAC loan funds can be used for pre-development, site acquisition, site development, construction/rehabilitation and permanent financing. Contact HAC’s loan fund staff at hacloanfund@ruralhome.org, 202-842-8600.

Please note: HAC is not able to offer loans to individuals or families. Borrowers must be nonprofit or for-profit organizations or government entities (including tribes).

Hurricane Ida Information

Hurricane Ida made landfall in Louisiana, as a Category 4 storm in the early morning of August 29, 2021. More than 1 million customers are experiencing power outages. Ida was downgraded to a tropical storm as it moved northeast, but it has caused major flooding in New York and New Jersey, where the governors have declared emergencies. Central Park received a record breaking three inches of water in one hour. HAC offers the following guide as a source of information for individuals and families dealing with direct housing loss and damage from the storm. For more information, please see HAC’s report: Picking up the Pieces: Restoring Rural Housing and Communities After a Disaster and Disaster Response for Rural Communities Guide.

If your house is inaccessible or currently uninhabitable, emergency, transient housing will likely be made available to provide immediate shelter for those in need. Organizations and resources available to assist with emergency transient housing in previous similar disasters include the Red Cross, Salvation Army, Church World Service, Mennonite Disaster Service, and state- and city-run emergency shelters aimed at housing victims of Hurricane. If you are in need of emergency, transient housing, you can text SHELTER and your Zip Code to 43362 (4FEMA) to find where the shelter closest to you is located.

FEMA makes available temporary assistance funding available for residents of counties affected by hurricanes. Temporary assistance can include grants for temporary housing and home repairs, low-cost loans to cover uninsured property losses, and other programs to help individuals and business owners recover from the effects of the disaster. To see if you are eligible for funding, you can apply online at https://www.disasterassistance.gov/ or call FEMA’s toll-free helpline at 1-800-621-FEMA(3362). When applying, make sure to have a pen and paper as well as the following information: your social security number, current and pre-disaster address, a telephone number where you can be contacted, insurance information, total household income, a routing and account number from your bank if you are interested in having disaster assistance funds transferred directly into your bank account, and a description of your losses that were caused by the disaster.

Tips

Please keep in mind the following safety protocols for hurricanes and flooding:

  • Only call 911 if you have an immediate need for medical attention or evacuation assistance.
  • If you can’t get through to 911 on first try, keep calling.
  • DO NOT DRIVE through high water and DO NOT DRIVE AROUND BARRICADES! Just 2 feet of water can sweep your vehicle away.
  • DO NOT WALK through flood waters. Just 6 inches of moving water can knock you down. 4
  • If your home floods, STAY THERE. You are safer at home than trying to navigate flooded streets on foot.
  • If floodwaters rise around your car but the water is NOT MOVING, abandon the car and move to higher ground. Do not leave the car and enter MOVING water.
  • STAY AWAY from streams, rivers, and creeks during heavy rainfall. These areas can flood quickly and with little warning.
  • MOVE important items – especially important documents like insurance policies – to the highest possible floor. This will help protect them from flood damage.
  • DISCONNECT electrical appliances and do not touch electrical equipment if you are wet or standing in water. You could be electrocuted.

This flooding event is a reminder that all residents in this area should carry flood insurance. Contact your insurance agent for more information about purchasing flood insurance or visit the National Flood Insurance Program at www.fema.gov/national-flood-insurance-program or call 1-888-379-9531. Please keep in mind that new insurance policies take 30 days to go into effect.

If your home has experienced damage, remember to check the outside of your home before you enter. Look for loose power lines, broken or damaged gas lines, foundations cracks, missing support beams, or other damage. It may be safest to ask a building inspector of contractor to check the structure before you enter. Do not force jammed doors open, as they may be providing needed support to the rest of the home. Sniff for gas to ensure there are no natural or propane gas leaks. If you do have a propane tank system, make sure to turn off all valves and contact a propane supplier to check the system before you use it again. Check floors and ceilings to ensure they are not sagging from water damage. This can be especially hazardous. Take photographs of any damage as you may need them for insurance claims or FEMA claims later on.

Resources

Apply for FEMA Assistance by registering online at www.DisasterAssistance.gov. FEMA Disaster Assistance Helpline answers questions about the help offered by FEMA, how to apply for assistance, or the information in your account.

Toll-free helpline: 1-800-621-FEMA (3362)
For hearing impaired callers only:
1-800-462-7585 (TTY)
1-800-621-3362 (Video Relay Service)
Operators are multilingual and calls are answered seven days a week from 7 a.m. to 11 p.m. ET

American Red Cross Disaster Service: For referrals and updates on Red Cross shelter services in your area, locate a local Red Cross office through: https://www.redcross.org/find-help or by calling 1-800-RED CROSS (1-800-733-2767)
The Red Cross helps disaster victims by providing safe shelter, hot meals, essential relief supplies, emotional support and health services like first aid. Trained Red Cross workers often meet one-on-one with families to develop individual plans and identify available resources to help aid recovery.

STATE HOUSING AGENCIES

Louisiana
Louisiana Housing Corporation
2415 Quail Drive
Baton Rouge, LA 70808
Phone: (225) 763-8700
Fax: (225) 763-8710
https://www.lhc.la.gov

Mississippi
Mississippi Home Corporation
735 Riverside Drive
Jackson, MS 39202-1166
Phone: (601) 718-4642
Fax: (601) 718-4643
https://www.mshomecorp.com

New Jersey
New Jersey Housing and Mortgage Finance Agency
637 S Clinton Avenue
Trenton, NJ 08611-1811
Phone: (609) 278-7400
Fax: (609) 278-1754
https://www.njhousing.gov

New York
New York State Homes and Community Renewal
641 Lexington Avenue, 5th Floor
New York, NY 10022-4503
Phone: (212) 688-4000
Fax: (212) 872-0789
http://www.nyshcr.org

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT STATE FIELD OFFICES

Louisiana
Hale Boggs Federal Building
500 Poydras Street
9th Floor
New Orleans, LA 70130
Phone: (504) 671-3001
Director: Tammy Fowler

Mississippi
Dr. A. H. McCoy Federal Building
100 West Capitol Street
Room 910
Jackson, MS 39269-1096
Phone: (601) 965-4757
Director: Jerrie G. Magruder

New Jersey
Newark Field Office
One Newark Center
1085 Raymond Boulevard
13th Floor
Newark, NJ 07102-5260
Phone: (973) 622-7900
Director: Justin Sheid

New York
Jacob K. Javits Federal Building
26 Federal Plaza
Suite 3541
New York, NY 10278-0068
Phone: (212) 264-8000
Director: Vacant

USDA RURAL DEVELOPMENT STATE OFFICES

Louisiana
Diana Smith, Acting State Director
3727 Government Street
Alexandria, LA 71302
Voice: (318) 473-7920
Fax: (844) 325-6949
www.rd.usda.gov/la

Mississippi
Douglas Simons, Acting State Director
Federal Building, Suite 831
100 West Capitol Street
Jackson, MS 39269
Voice: (601) 965-4316
Fax: (601) 965-4088
www.rd.usda.gov/ms

New Jersey
Brandon R. Pfeilmeier, Acting State Director
521 Fellowship Road, Suite 130
Mt. Laurel, NJ 08054
Voice: (856) 787-7700
Fax: (855) 305-7343
www.rd.usda.gov/nj

New York
Brian Murray, Acting State Director
The Galleries of Syracuse
441 South Salina Street, Suite 357
Syracuse, NY 13202-2541
Voice: (315) 477-6400
Fax: (315) 477-6438
www.rd.usda.gov/ny

STATE EMERGENCY MANAGEMENT AGENCIES

Mississippi Emergency Management Agency
Voice 601-933-MEMA
24 hour emergency line: 1-800-222-MEMA(6362)
https://www.msema.org/

Louisiana Governor’s Office of Homeland Security and Emergency Management
7667 Independence Boulevard
Baton Rouge, LA 70806
Voice: (225) 925-7500
Fax: (225) 925-7501
http://gohsep.la.gov/

New Jersey Office of Emergency Management
http://www.ready.nj.gov/

New York Homeland Security and  Emergency Services
http://www.dhses.ny.gov/oem/

Rural America Now Has More Than 5 Million Reported Cases and Over 100,000 Deaths from Covid-19

Rural America Now Has More Than 5 Million Reported Cases and Over 100,000 Deaths from Covid-19

COVID-19 in Rural America – September 1, 2021

As of August 31, there have been more than 5.6 million reported cases of COVID-19, and approximately 101,741 associated deaths in communities outside metropolitan areas. Between August 1 and August 31, communities outside of metropolitan areas reported nearly 700,000 new cases of COVID-19 – a 291 percent increase over the previous 30-day period. There were 5,122 reported deaths associated with COVID-19 in rural communities in August, which represented a 254 percent increase in deaths from July 2021. Communities outside of metropolitan areas accounted for over 19 percent of all COVID deaths and 16 percent of new cases in August. The dramatic increase in rural cases and deaths mimics national trends related to the ascendancy of the more contagious delta variant.

Middle Tennessee Flooding Disaster Guide

On August 21, 2021, record-breaking rain (17 inches in 24 hours) caused major flooding in Middle Tennessee and at least 22 fatalities in Humphreys County. Roads, telephone lines, cars, and home foundations were washed away. HAC offers the following guide as a source of information for individuals and families dealing with direct housing loss and damage from the storm. For more information, please see HAC’s report: Picking up the Pieces: Restoring Rural Housing and Communities After a Disaster and Disaster Response for Rural Communities Guide.

If your house is inaccessible or currently uninhabitable, emergency, transient housing will likely be made available to provide immediate shelter for those in need. Organizations and resources available to assist with emergency transient housing in previous similar disasters include the Red Cross, Salvation Army, Church World Service, Mennonite Disaster Service, and state- and city-run emergency shelters. If you are in need of emergency, transient housing, you can text SHELTER and your Zip Code to 43362 (4FEMA) to find where the shelter closest to you is located.

FEMA makes available temporary assistance funding available for residents of counties affected by natural disasters. Temporary assistance can include grants for temporary housing and home repairs, low-cost loans to cover uninsured property losses, and other programs to help individuals and business owners recover from the effects of the disaster. To see if you are eligible for funding, you can apply online at https://www.disasterassistance.gov/ or call FEMA’s toll-free helpline at 1-800-621-FEMA(3362). When applying, make sure to have a pen and paper as well as the following information: your social security number, current and pre-disaster address, a telephone number where you can be contacted, insurance information, total household income, a routing and account number from your bank if you are interested in having disaster assistance funds transferred directly into your bank account, and a description of your losses that were caused by the disaster.

Tips

Please keep in mind the following safety protocols for flooding:

  • Only call 911 if you have an immediate need for medical attention or evacuation assistance.
  • If you can’t get through to 911 on first try, keep calling.
  • DO NOT DRIVE through high water and DO NOT DRIVE AROUND BARRICADES! Just 2 feet of water can sweep your vehicle away.
  • DO NOT WALK through flood waters. Just 6 inches of moving water can knock you down. 4
  • If your home floods, STAY THERE. You are safer at home than trying to navigate flooded streets on foot.
  • If floodwaters rise around your car but the water is NOT MOVING, abandon the car and move to higher ground. Do not leave the car and enter MOVING water.
  • STAY AWAY from streams, rivers, and creeks during heavy rainfall. These areas can flood quickly and with little warning.
  • MOVE important items – especially important documents like insurance policies – to the highest possible floor. This will help protect them from flood damage.
  • DISCONNECT electrical appliances and do not touch electrical equipment if you are wet or standing in water. You could be electrocuted.

This flooding event is a reminder that all residents in this area should carry flood insurance. Contact your insurance agent for more information about purchasing flood insurance or visit the National Flood Insurance Program at www.fema.gov/national-flood-insurance-program or call 1-888-379-9531. Please keep in mind that new insurance policies take 30 days to go into effect.

If your home has experienced damage, remember to check the outside of your home before you enter. Look for loose power lines, broken or damaged gas lines, foundations cracks, missing support beams, or other damage. It may be safest to ask a building inspector of contractor to check the structure before you enter. Do not force jammed doors open, as they may be providing needed support to the rest of the home. Sniff for gas to ensure there are no natural or propane gas leaks. If you do have a propane tank system, make sure to turn off all valves and contact a propane supplier to check the system before you use it again. Check floors and ceilings to ensure they are not sagging from water damage. This can be especially hazardous. Take photographs of any damage as you may need them for insurance claims or FEMA claims later on.

Resources

Apply for FEMA Assistance by registering online at www.DisasterAssistance.gov. FEMA Disaster Assistance Helpline answers questions about the help offered by FEMA, how to apply for assistance, or the information in your account.

Toll-free helpline: 1-800-621-FEMA (3362)
For hearing impaired callers only:
1-800-462-7585 (TTY)
1-800-621-3362 (Video Relay Service)
Operators are multilingual and calls are answered seven days a week from 7 a.m. to 11 p.m. ET

American Red Cross Disaster Service: For referrals and updates on Red Cross shelter services in your area, locate a local Red Cross office through: https://www.redcross.org/find-help or by calling 1-800-RED CROSS (1-800-733-2767)
The Red Cross helps disaster victims by providing safe shelter, hot meals, essential relief supplies, emotional support and health services like first aid. Trained Red Cross workers often meet one-on-one with families to develop individual plans and identify available resources to help aid recovery.

STATE HOUSING AGENCIES

Tennessee
Tennessee Housing Development Agency
502 Deaderick Street, Third Floor
Nashville, TN 37243
Phone: (615) 815-2200
Fax: (615) 564-2700
https://www.thda.org

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT STATE FIELD OFFICES

Tennessee
John J. Duncan Federal Building
710 Locust Street, SW 3rd Floor
Knoxville, TN 37902-2526
Phone: (865) 545-4370

Nashville Field Office
235 Cumberland Bend
Suite 200
Nashville, TN 37228-1803
Phone: (615) 515-8510
Director: Sernorma L. Mitchell

USDA RURAL DEVELOPMENT STATE OFFICES

Tennessee
Jim Tracy, State Director
441 Donelson Pike, Suite 310
Nashville, TN  37214
Voice: (615) 783-1300
Fax: (855) 776-7057
www.rd.usda.gov/tn

STATE EMERGENCY MANAGEMENT AGENCIES

Region 4 (Mississippi and Tennessee)
Federal Emergency Management Agency
3003 Chamblee Tucker Road
Atlanta, GA 30341
Main Number: 770-220-5200
Fax Number: 770-220-5230

 

HAC News: August 19, 2021

Vol. 50, No. 17

TOP STORIES

Senate passes budget resolution and infrastructure bill.

On August 11, the Senate narrowly approved S.Con.Res. 14, the budget resolution that will serve as a vehicle for the $3.5 trillion economic recovery package. The resolution includes billions of dollars for housing programs, although details are not yet available. The bipartisan infrastructure bill, H.R. 3684, passed the Senate on August 10. The House is scheduled to return on August 23 to take up one or both of these measures, as well as a voting rights bill.

New eviction moratorium challenged in court.

A legal challenge to the moratorium issued August 3 by the Centers for Disease Control was filed by the Alabama and Georgia Associations of Realtors®, the plaintiffs that took a previous challenge to the U.S. Supreme Court. On August 13, the federal district court declined to halt implementation of the moratorium. The plaintiffs have appealed that decision. In a separate case, on August 12 the Supreme Court struck down a part of New York state’s eviction moratorium that protected tenants from eviction if they certified they were experiencing economic hardship, but did not provide a way for landlords to challenge those self-certifications.

Population growth in rural America was small – and uneven – between 2010 and 2020.

Using Census 2010 and 2020 data, combined with methodology from HAC’s Rural and Small-Town definition of location, HAC estimates that the rural population increased by approximately 164,000 residents over the last decade, a 0.3% growth rate. Overall, HAC estimates that approximately 60,551,165 people live in rural communities using the latest Census data. A HAC Rural Research Note analyzes recently released 2020 Census data and includes an interactive map showing population change for every county.

Committee sends Torres Small nomination to the full Senate.

After a July 29 hearing, on August 10 the Senate Agriculture Committee voted to approve the nomination of Xochitl Torres Small to become USDA Under Secretary for Rural Development. A vote by the full Senate is now the final step needed for her confirmation.

Save the date! 2021 National Rural Housing Conference scheduled.

The Housing Assistance Council is pleased to announce plans to convene its 2021 National Rural Housing Conference and Training! The conference provides an excellent opportunity to network and improve connections to federal agencies, national intermediary organizations, and other stakeholders. The HAC News will announce when registration opens.

RuralSTAT

Rural and small-town places in the U.S. experienced only 0.3% population growth from 2010 to 2020, while suburbs and exurbs grew by 11.8%. Source: HAC tabulations of the U.S. Census Bureau’s 2010 and 2020 Census of Population and Housing. A Rural Research Note on population growth over the past decade is available on HAC’s site.

OPPORTUNITIES

Emergency Rural Health Care Program offers grants.

Sub-state level governments, nonprofits, and tribes can apply to assist places with up to 20,000 population through the new Emergency Rural Health Care program. Track One will make recovery grants to support immediate financial relief needs. Track Two will provide impact grants to advance ideas and solutions to support the long-term sustainability of rural health care. The deadline for both is October 12. For more information, contact Jamie Davenport, USDA, 202-720-0002.

HAC seeks Community Facilities Housing Specialist.

The Community Facilities Housing Specialist identifies and engages community stakeholders and provides direct technical assistance to rural organizations that are developing facilities such as parks, community centers, public libraries and childcare centers. This includes helping them identify, utilize, and apply for financial resources such as USDA Community Facilities grants and loans. This is a two-year position and is eligible for telecommuting.

CORONAVIRUS

Online tool helps tenants use CDC eviction moratorium.

A2J Tech, which describes itself as a social enterprise that builds technology to improve access to justice, offers a free tool for renters to make sure they are eligible for protection under the CDC moratorium and then prepare the declaration they must give to their landlord.

REGULATIONS AND FEDERAL AGENCIES

HUD and FHFA to work together on fair housing and fair lending.

On August 12, HUD and the Federal Housing Finance Agency announced a new memorandum of understanding regarding fair housing and fair lending enforcement. The agencies say the MOU promotes information sharing, coordination on investigations, compliance reviews, and the ongoing monitoring of the Fannie Mae, Freddie Mac, and the Federal Home Loan Banks.

Housing goals proposed for Fannie Mae and Freddie Mac.

The Federal Housing Finance Agency has proposed goals for Fannie Mae’s and Freddie Mac’s purchases of mortgages for low-income and minority owners and renters in 2022-2024. Comments will be due 60 days after the goals are published in the Federal Register. For more information, contact Ted Wartell, FHFA, 202-649-3157.

Fannie Mae will consider rental payments by homebuyers.

Lenders that work with Fannie Mae will be permitted to take positive rental payment histories into account when underwriting first-time mortgage applications. Fannie Mae predicts that allowing homebuyers to demonstrate their credit history this way will enable more people of color to qualify for mortgages.

2021 compliance supplement for audits released.

The 2021 Compliance Supplement to OMB’s Uniform Administrative Requirements, Cost Principles, and Audit Requirements applies to audits of fiscal years beginning after June 30, 2020 for nonprofits, state and local governments and tribes receiving federal funds. Comments are due August 30. For more information, contact the relevant federal agency.

OMB recommends steps for federal agencies to advance racial equity.

Study to Identify Methods to Assess Equity: Report to the President, published by the Office of Management and Budget, responds to a provision in President Biden’s Executive Order 13985, Advancing Racial Equity and Support for Underserved Communities Through the Federal Government, which requested recommendations on ways to expand equity assessment in federal agencies. OMB found that equity assessment is still evolving, though a broad range of frameworks and tools have been developed. It suggested expanding opportunities for meaningful stakeholder engagement and instituting long-term change management. Agencies will need to include equity initiatives in their strategic, administrative, budget, and evaluation plans, the report says, and to make key investments in hiring and ongoing workforce training.

PUBLICATIONS AND MEDIA

Case studies describe hotel/motel conversions to housing.

During the pandemic, numerous states and localities have acquired hotels and motels and rapidly converted them into permanent housing. A set of case studies by the Alliance to End Homelessness describes several such efforts, including statewide programs in Oregon and Vermont that conducted conversions in rural areas as well as cities.

CFPB reports on mortgage servicers’ pandemic responses, will continue monitoring them.

Based on a data review, the Consumer Financial Protection Bureau reported the pandemic responses of 16 large mortgage servicers varied widely. CFPB told servicers to compare the report’s findings to their own internal metrics to identify opportunities for, and demonstrate concrete efforts toward, improvement.

Rural places may lose political power due to population changes.

A Pew Charitable Trusts analysis based on estimates of rural population decline predicts these communities will have less political clout once electoral redistricting occurs. The growing suburban/urban portions of states are likely to gain power.

86% of persistent poverty counties are outside metro areas.

USDA’s Economic Research Service reports 310 counties – 10% of all U.S. counties – had high and persistent levels of poverty in 2019. Of those, 267 counties were outside metropolitan areas and were concentrated in historically poor areas of the Mississippi Delta, Appalachia, the Black Belt, and the southern border regions, as well as on Native American lands.

Hispanics overrepresented in worker deaths from heat.

A National Public Radio report, Heat Is Killing Workers in the U.S. – and There are No Federal Rules to Protect Them, describes an increase in worker deaths due to environmental heat exposure. Hispanics, who are 17% of the U.S. workforce, account for a third of heat fatalities since 2010 because they are overrepresented in vulnerable jobs such as farm work and construction. Improved regulations may not be enough to protect workers, however; California is one of the few states with heat rules, but annual worker heat deaths there have remained steady over the past decade.

Guide addresses tenant issues in tax credit properties.

An Advocate’s Guide to Tenants’ Rights in the Low-Income Housing Tax Credit Program, published by the National Housing Law Project, covers evictions, rent calculations, and eligibility.

Need capital for your affordable housing project?

HAC’s loan fund provides low interest rate loans to support single- and multifamily affordable housing projects for low-income rural residents throughout the U.S. and territories. Capital is available for all types of affordable and mixed-income housing projects, including preservation, new development, farmworker, senior and veteran housing. HAC loan funds can be used for pre-development, site acquisition, site development, construction/rehabilitation and permanent financing. Contact HAC’s loan fund staff at hacloanfund@ruralhome.org, 202-842-8600.

Please note: HAC is not able to offer loans to individuals or families. Borrowers must be nonprofit or for-profit organizations or government entities (including tribes).

Population Growth in Rural America was Small – and Uneven – Between 2010 and 2020

A Census in Rural America 2020 Update

Using Census 2010 and 2020 data, combined with methodology from the Housing Assistance Council’s Rural and Small-Town definition of location, HAC estimates that the rural population only increased by approximately 164,000 residents over the last decade. This population growth accounted for a .3 percent increase in the rural and small-town population. Overall, HAC estimates that approximately 60,551,165 people live in rural communities using the latest Census data.

HAC News: August 5, 2021

Vol. 50, No. 16

TOP STORIES

Eviction moratorium for renters expires, new limited moratorium issued.

The federal moratorium on eviction of tenants facing pandemic-related economic issues, which had been in place since the Centers for Disease Control imposed it in September 2020, expired on July 31. On August 3, CDC issued a new moratorium that applies through October 3 in “U.S. counties experiencing substantial and high levels of community transmission” of the coronavirus, currently a large portion of the country. While this version is in effect, individual counties’ eligibility will change based on data tracked by the CDC, which categorizes the transmission rate in each county as high, substantial, moderate, or low. Resources for renters needing assistance to pay rent or utilities are compiled in many places online, including on HAC’s website.

Eviction moratoriums for defaulting homeowners extended to September 30.

Homeowners who have defaulted on federally backed mortgages are protected against evictions by moratoriums extended through September 30 by USDA for Section 502 direct borrowers and Section 502 guaranteed borrowers, VA, the Federal Housing Administration, and the Federal Housing Finance Administration (which oversees Fannie Mae and Freddie Mac). These agencies did not, however, extend their moratoriums on foreclosure: those expired on July 31. The extended eviction moratoriums are intended to give foreclosed homeowners enough time to find financial assistance or to move. Information about mortgage forbearance (delayed payments) and other options for homeowners is available from the Consumer Financial Protection Bureau, and each agency offers aid to its homeowners.

Save the date! 2021 National Rural Housing Conference scheduled.

The Housing Assistance Council is pleased to announce plans to convene its 2021 National Rural Housing Conference and Training! The conference provides an excellent opportunity to network and improve connections to federal agencies, national intermediary organizations, and other vested stakeholders. The HAC News will announce when registration opens.

Senate committee approves USDA funding bill, House passes USDA and HUD bills.

On August 4 the Senate Appropriations Committee approved a fiscal year 2022 funding bill for USDA. Details are posted on HAC’s site. Like the House bill, the Senate version would provide modest increases for some rural housing programs. It would take a different approach to rental housing preservation, increasing the Section 515 program from $40 million in FY21 to $92 million in FY22, while setting the Multifamily Preservation and Revitalization program at the $32 million figure requested in the administration’s budget. The House would keep Section 515 at $40 million and increase MPR to $60 million. The next step in the process will be full Senate consideration of the committee’s bill. The House passed H.R. 4502, a “minibus” package of seven appropriations bills, including USDA’s and HUD’s, on July 27.

Infrastructure deal moves forward without housing.

The bipartisan infrastructure bill under consideration in the Senate, H.R. 3684, does not provide any housing funding. It does include $2 billion for USDA’s rural broadband programs.

Confirmation hearing held for Torres Small.

The Senate Agriculture Committee held a hearing July 29 on the nominations of Xochitl Torres Small to be Under Secretary for Rural Development at USDA and Robert Bonnie to be Under Secretary for Farm Production and Conservation. The committee has not yet voted whether to send either nomination to the full Senate for consideration.

RuralSTAT

Between July 1 and July 31, communities outside of metropolitan areas reported 178,000 new cases of COVID-19 – a 171% increase over the previous 30-day period. Source: HAC tabulations of public health data from the New York Times. A Rural Research Brief updating the COVID-19 situation in rural America is available on HAC’s site.  

OPPORTUNITIES

USDA farm labor housing loans and grants available.

From September 1 to November 1, USDA will accept pre-applications for Section 514 loans and Section 516 grants for off-farm farmworker housing. The funding notice published on February 2 provides details. For more information, contact Abby Boggs, USDA, 615-490-1371.

HUD offers Healthy Homes Production grants.

Nonprofits and state, local, and tribal governments can apply by October 19 for the Healthy Homes Production Grant Program, which addresses housing-related hazards in a coordinated fashion, rather than a single hazard at a time. For more information, contact Yolanda Brown, HUD, 202-903-9576.

VA two-year rental assistance funds can be used nationwide.

The Supportive Services for Veteran Families program offers several kinds of aid, including rental assistance for low-income veterans who might otherwise be homeless. In a few high-cost counties (listed here, with additions listed here), grantees have been permitted to provide rental assistance for up to two years before recertification. Describing the lack of affordable housing as “a national crisis,” VA is now extending this two-year provision to all counties and county equivalents throughout the U.S. and territories, effective immediately. For more information, contact John Kuhn, VA, 202-632-8596.

Economic development funding offered.

The Commerce Department’s Economic Development Administration has opened several competitions, including one for Indigenous communities and one for coal communities, intended to assist economic recovery in previously underserved places impacted by the coronavirus pandemic. Application deadlines vary, with the earliest on October 19.

Green building webinar scheduled by HAC.

“Build Smart” Webinar Series Part 1: Green Building Case Studies, scheduled for August 12, will showcase several projects that are successfully implementing Green Building practices in their affordable housing developments and share their best practices for green building on a budget and constructing net zero energy homes for low-income buyers.

Investing in rural infrastructure webinar announced.

Investing in Infrastructure: Rural Strategies for Building and Maintaining Healthy Local Economies, scheduled for August 16, will explore why new federal funding presents a momentous opportunity to invest in rural physical infrastructure and how communities can effectively take advantage of this funding to build thriving rural places. This is the latest in the Rural Opportunity and Development (ROAD) Sessions, virtual exchanges co-designed and hosted by the Aspen Institute Community Strategies Group, HAC, the Rural Community Assistance Partnership, Rural LISC, and the Federal Reserve Board.

Broadband improvement campaign needs consumer input.

Let’s Broadband Together, a project of Consumer Reports and a coalition of other groups, invites people with internet access to contribute information for a campaign aimed at improving access quality and cost. The process, which CR estimates takes seven minutes, includes an online test of the consumer’s internet speed, sharing an internet bill, and answering a few questions.

HAC job openings: Portfolio Management Associate and Community Facilities Housing Specialist.

For details, visit HAC’s website.

  • The Portfolio Management Associate is an entry-level position and will assist in managing HAC’s portfolio of loans made to entities engaged in affordable housing activities in rural communities throughout the United States. This individual will assist in a range of lending activities – including closing, disbursement, monitoring, and servicing single- and multifamily housing development loans – in the Loan Fund Division.
  • The Community Facilities Housing Specialist identifies and engages community stakeholders and provides direct technical assistance to rural organizations that are developing facilities such as parks, community centers, public libraries and childcare centers. This includes helping them identify, utilize and apply for financial resources such as USDA Community Facilities grants and loans. This is a two-year position and is eligible for telecommuting.

CORONAVIRUS

COVID-19 infection rates have resurged in rural America.

COVID-19’s impact on rural America continues to evolve. After declining case rates and signs of optimism, infection rates have begun to increase again in rural communities with certain areas and regions experiencing distressing levels of new COVID-19 cases. HAC’s latest Rural Research Brief, COVID-19 in Rural America, July 31, 2021, examines the health, employment, and housing impacts over the entire course of the pandemic.

REGULATIONS AND FEDERAL AGENCIES

Heirs’ Property Relending Program nears launch.

USDA expects to open a two-month signup window in late August for Community Development Financial Institutions to apply for funds they will relend to agricultural producers and landowners facing heirs’ land ownership and succession issues. Heirs who inherited family land without a will or legal documentation of ownership may use the loans to resolve title issues by financing the purchase or consolidation of property interests and financing costs associated with a succession plan. Comments on the program’s final rule are due October 8. For more information, contact Md Mutaleb, Farm Service Agency, 202-720-3168.

HUD to release FY22 Fair Market Rents.

Fair Market Rents that take effect on October 1 will be available on August 6. Comments are due September 30.

PUBLICATIONS AND MEDIA

Rural U.S. economies will benefit from expanded Child Tax Credit, study concludes.

The effect of the one-year Child Tax Credit expansion will be proportionally greatest in places outside metropolitan areas, according to Measuring the Child Tax Credit’s Economic and Community Impact, a new report from the Niskanen Center. Researchers calculated the total dollar amounts the CTC expansion will generate and their impacts on household spending, state and local sales tax revenue, and jobs. Estimates are reported by state and congressional district.

Annual fair housing report shows increased harassment in 2020.

The National Fair Housing Alliance’s 2021 Fair Housing Trends Report provides an analysis of housing discrimination complaints filed last year at the local, state, and national levels. While the overall number of housing discrimination claims remained consistent in 2020, more than 1,000 harassment claims were reported, compared to 761 in 2019. Asian American and Pacific Islander communities reported a rise in harassment, and claims of sexual harassment also rose among tenants who were unable to pay their rent due to job loss or unemployment.

Lost rent means small landlords defer maintenance.

An Urban Institute analysis of May 2021 data found that 28% of “mom-and-pop” landlords deferred maintenance during the pandemic. Finances were the reason most commonly cited, and 41% of landlords who lost rental income deferred maintenance compared with 18% of those who did not lose rental income.

COVID-19 impact on farmers, farmworkers, and productivity estimated.

Researchers from Purdue University estimated the number of cases and deaths among farmers and farmworkers from March 1, 2020 to March 31, 2021 and concluded the pandemic reduced U.S. agricultural output by about $309 million over that period. Purdue’s Food and Agriculture Vulnerability Index Dashboard provides cumulative estimates, updated daily, for workers across every state and several commodities.

Data on Native American labor market available.

The Center for Indian Country Development at the Minneapolis Federal Reserve Bank has created a Native American Labor Market Dashboard to provide data on labor force participation, employment, and unemployment. The site allows users to compare American Indians and Alaska Natives to the entire U.S. population, and to compare residents of metropolitan areas with those outside metro areas.

Primer aims to help build healthy rural places.

The Build Healthy Places Network has published A Primer for Multi-Sector Health Partnerships in Rural Areas and Small Cities to provide guidance on cross-sector collaboration between the community development, finance, public health, and healthcare sectors.

Need capital for your affordable housing project?

HAC’s loan fund provides low interest rate loans to support single- and multifamily affordable housing projects for low-income rural residents throughout the U.S. and territories. Capital is available for all types of affordable and mixed-income housing projects, including preservation, new development, farmworker, senior and veteran housing. HAC loan funds can be used for pre-development, site acquisition, site development, construction/rehabilitation and permanent financing. Contact HAC’s loan fund staff at hacloanfund@ruralhome.org, 202-842-8600.

Please note: HAC is not able to offer loans to individuals or families. Borrowers must be nonprofit or for-profit organizations or government entities (including tribes).

USDA Obligations FY 2021 Featured Image

USDA Rural Development Obligations FY 21 – July

USDA Rural Development Obligations Report Cover - FY 2021

The Housing Assistance Council (HAC) presents this month’s report on Fiscal Year 2021 USDA Rural Housing program obligations.

As of the end of July, USDA obligated 117,200 loans, loan guarantees, and grants totaling about $20.2 billion. This is nearly $3.9 billion more than obligation levels from this time last year. At that time, there were 103,122 loans, loan guarantees, and grants obligated totaling nearly $16.4 billion.

Federal agencies operated under a series of short-term continuing resolutions (CR) for most of the first quarter of FY 2021. A final CR was signed into law on December 27, 2020 which provides funding for the remainder of the fiscal year. Since March 20, 2020, USDA offices have been operating from remote locations due to the COVID-19 virus.

Single Family Housing Program Highlights

The Section 502 Guaranteed loan program, the largest of the Single Family Housing programs, obligated approximately $19.2 billion (108,193 loan guarantees) up from last year’s $15.3 billion ( 93,226 loan guarantees) this time.

For the Section 502 Direct program, loan obligations totaled $826.7 million (4,409 loans), a bit higher than last year’s obligation level of $742.2 million (4,310 loans.)

About 36 percent of the loan dollars went to Very Low-income (VLI) applicants. VLI loans represented over 42 percent of the total number of Section 502 Direct loans.

The Section 504 Repair and Rehabilitation programs obligated 1,700 loans representing almost $10.6 million. Loan volume was up from this time last year (1,912 loans representing about $11.6 million.) There were also about $18.3 million (2,784 grants) obligated in the Section 504 grant program compared to approximately $22.4 million (3,474 grants) last year.

USDA’s Section 523 Self Help Housing Grant program funded 30 grants and contracts totaling nearly $20.4 million compared to last year’s 19 grants and contracts totaling over $22.6 million.

Multi-Family Housing Program Highlights

USDA’s Section 538 Multifamily Housing program obligated 58 loan guarantees totaling almost $149.0 million compared to last year’s 96 loan guarantees ($156.7 million.) No Section 515 Rural Rental Housing program have been funded so far this year, similar to last year at this time. No loans or 5 grants have been obligated so far this year in the MPR program totaling $0 and $251,778 this year compared to 28 loans and 3 grants representing nearly $30.0 million and $988,734, respectively last year.

No Farm Labor Housing loans or grants have been funded so far this year. Last year at this time, 14 loans and 5 grants were obligated (about $19.8 million 794,577 and nearly $5.9 million, respectively.)

USDA obligated funds for 195,414 rental assistance units under the Section 521 Rental Assistance program totaling over $1.1 billion. This compares to about 178,225 units (over $1.0 billion) obligated same time last year. There were also 6,228 Rural Housing Vouchers totaling about $30.0 million compared to 5,700 vouchers representing over $26.4 million this time last year.

Download the combined document.

* The Rural Housing Service (RHS) monthly obligation reports are produced by the Housing Assistance Council (HAC) 1025 Vermont Ave., NW, Suite 606, Washington, DC 20005. The monthly figures derive from HAC tabulations of USDA –RHS 205c, d, and f report data. For questions or comments about the obligation reports, please contact Michael Feinberg at 202-842-8600 or michael@ruralhome.org.

COVID-19 in Rural America: Updated July 31, 2021

The Housing Assistance Council (HAC) presents summary findings of COVID-19 and its larger impacts 528 days after the first identified case in rural America.

HAC News: July 22, 2021

Vol. 50, No. 15

TOP STORIES

FY22 housing funding to be considered in House before end of July.

The House of Representatives has rolled several appropriations bills, including the USDA and HUD bills, into a “minibus” for consideration during the week of July 26. The measures, as approved by the House Appropriations Committee, would increase some USDA rural housing programs and most HUD programs above their FY21 funding levels. The committee’s draft report on the USDA bill urges attention to farmworkers’ needs, while the draft report on HUD funding encourages support for Central Appalachian communities impacted by the downturn in the coal industry and gives HUD some specific instructions on its FY22 funding competition for Native American housing grants.

OCC will propose rescinding 2020 Community Reinvestment Act rule.

Acting Comptroller of the Currency Michael Hsu announced on July 20 that his office will propose reversing the CRA regulation it issued in June 2020, which has not yet gone into effect. He pledged to work with the Federal Reserve Board and Federal Deposit Insurance Corporation, which did not join the OCC’s 2020 rule, to develop a new proposal based on a Fed notice published in October 2020. HAC’s comments on the Fed’s notice and on an earlier draft of the OCC’s 2020 rule are posted online.

Bills outline House Democrats’ housing infrastructure priorities.

Three bills introduced by Rep. Maxine Waters (D-CA), chair of the House Financial Services Committee, would provide new support for housing programs, including rural housing. Although the administration included housing funds in its American Jobs Plan infrastructure proposal, housing is not covered in the Senate’s $1.2 trillion bipartisan infrastructure bill and it is not yet clear what housing provisions will be in the Senate Democrats’ $3.5 trillion reconciliation bill, which will also address healthcare, climate change, and more. The three Waters bills are intended to mark the Chairwoman’s housing priorities for the reconciliation package, with negotiations not expected to begin in earnest until this fall after the bipartisan package is completed.

Waters’s Housing is Infrastructure Act would invest over $600 billion in housing infrastructure, including vouchers, public housing capital needs, the National Housing Trust Fund, HOME, and other HUD programs. Many of the HUD provisions include a 10% setaside for areas of persistent poverty. Additionally, the bill would provide $5 billion to fully address the capital needs backlog of the Section 515 and 514 rural housing programs, $500 million for Section 504 homeowner repair grants (not restricted to elderly owners, as the grant program usually is), $2 billion for Native American and Native Hawaiian Housing Block Grants, and setasides of $2 billion and $250 million in CDBG funds to address the housing and community infrastructure needs of colonias and resident-owned manufactured housing communities, respectively. A $10 billion program for neighborhood revitalization would include $250 million for SHOP and a $500 million setaside for communities outside metropolitan areas.

The Ending Homelessness Act would transform the Housing Choice Voucher program into a federal entitlement and the Downpayment Toward Equity Act would provide $100 billion to help first-generation homebuyers.

Housing costs remain out of reach throughout the country.

There is no state, county, or metropolitan area in the U.S. where a full-time minimum-wage worker can afford a modest two-bedroom rental home, according to the National Low Income Housing Coalition’s Out of Reach: The High Cost of Housing 2021 report. Data is available by county, zip code, state, and metro area on NLIHC’s site.

OMB will not raise population threshold for metro areas.

On January 19, 2021, OMB published a proposal to change its definition of metropolitan statistical areas so that an area would need a population of at least 100,000 rather than 50,000 to be considered metropolitan. After receiving more than 800 comments, the vast majority of them – including HAC’s – opposing the change, OMB has decided to keep the metro area threshold at 50,000 and to conduct further research on the subject. Delineations of areas based on the 2020 standards and 2020 Census data will be published in 2023. For more information, contact Bob Sivinski, OMB, 202-395-1205.

House committee advances rural broadband bill.

On July 14 the House Agriculture Committee approved H.R. 4374, the Broadband Internet Connections for Rural America Act, which would revise USDA’s broadband programs and increase available funding.

OPPORTUNITIES

Self-Sufficiency Service Coordinator funds available.

Resident Opportunity and Self-Sufficiency Service Coordinator funding enables nonprofits, PHAs, TDHEs, tribes, and resident associations to assess HUD-assisted residents’ needs and link them to training and services. Applications are due September 17. For more information, contact HUD staff, ROSS-PIH@hud.gov.

Pandemic-related fair housing enforcement opportunity opens.

The Fair Housing Initiatives Program – Private Enforcement Initiative American Rescue Plan will fund experienced fair housing enforcement organizations to conduct new projects relating to discrimination arising in connection with the pandemic or to sustain core fair housing enforcement and education activities. Apply by August 18. For more information, contact Kimberly Harley, HUD, 202-402-4753.

HAC seeks Community Facilities Housing Specialist.

The Community Facilities Housing Specialist identifies and engages community stakeholders and provides direct technical assistance to rural organizations that are developing facilities such as parks, community centers, public libraries and childcare centers. This includes helping them identify, utilize, and apply for financial resources such as USDA Community Facilities grants and loans. This is a two-year position and is eligible for telecommuting.

RuralSTAT – UPDATE AND RETRACTION.

HAC has received several questions and comments regarding the RuralSTAT on ‘USDA Exited Properties’ published in the July 22 edition of the HAC News. While we believe the analysis is substantively accurate, there have been some concerns and discrepancies identified with the underlying data used for that RuralSTAT analysis. Therefore, HAC is retracting this item and we will work to provide an updated analysis as soon as possible.  We greatly thank the robust body of experts and practitioners who alerted HAC to these issues. HAC strives to provide the most accurate data and information, and we thank you for assisting us in this effort. If you have questions or need any assistance, please contact Lance George at lance@ruralhome.org.

CORONAVIRUS

Rent aid to tenants increased in June, researchers suggest ways to improve distribution.

As the July 31 end of the federal eviction moratorium approaches, the Treasury Department reports that over $1.5 billion in federal assistance was delivered to 290,000 households in June, about 85% more households than in May. Census Bureau data shows that in late June and early July 3.6 million households believed they were “somewhat likely” or “very likely” to be evicted in the next two months. Resources discussing ways to improve distribution of these funds and prevent evictions include:

GAO reports on effectiveness of pandemic protections for homeowners.

A new Government Accountability Office report, COVID-19 Housing Protections: Mortgage Forbearance and Other Federal Efforts Have Reduced Default and Foreclosure Risks, details the impact of pandemic housing protections on federally backed mortgages. The report, accompanying podcast, and summary blog post highlight that foreclosures declined significantly during the pandemic because of federal moratoriums.

REGULATIONS AND FEDERAL AGENCIES

USDA extends comment period on advancing racial justice and equity.

Responses are now due August 14 to USDA’s request for comments to help identify barriers that people of color and underserved communities and individuals may face in accessing, enrolling in, and participating in any of USDA’s programs and services, and engaging with USDA staff. USDA has also scheduled online listening sessions on July 28 and 29. For more information, contact Liz Archuleta, USDA, 202-720-7095. HAC has submitted comments addressing actions needed to build capacity, improve access to capital, increase flexibility, and engage with stakeholders.

HAC supports fair housing regulation.

HAC recently submitted comments strongly supporting HUD’s proposal to restore part of a previous affirmatively furthering fair housing regulation.

Timeline set for Section 538 final inspections.

Effective immediately, USDA Rural Development requires lenders using the Section 538 rental housing guarantee program to notify RD staff at least 30 days before the final inspection date. Contact information and details are included in RD’s notice.

PUBLICATIONS AND MEDIA

Farmworker wage gap persisted in 2020.

Although farmworkers were deemed essential to sustain food supply chains during the pandemic, their average hourly wage in 2020 was only $14.62, the Economic Policy Institute reports. That is just under 60% of what comparable non-agricultural workers made, a wage gap that was virtually unchanged since the previous year. The average nationwide wage for farmworkers with H-2A visas was $13.68 per hour. In Florida and Georgia, where a quarter of all H-2A jobs were located in 2020, they were paid $11.71 per hour.

Lack of clear title to heirs property leads to disaster aid denials.

A Washington Post story, ‘The Real Damage’: Why FEMA is Denying Disaster Aid to Black Families That Have Lived for Generations in the Deep South, reports that FEMA has rejected up to one-quarter of applicants for disaster aid in rural counties in the deep South because survivors cannot prove they own their land. Their ownership passes informally from one generation to another without deeds or wills.

Wealth gap and other structural inequities addressed in State of Black America report.

The 2021 edition of the National Urban League’s State of Black America report looks at “three pandemics”: economic collapse, health inequities, and structural racism. Increasing homeownership to build wealth is one of many strategies proposed in the report, titled “The New Normal: Diverse, Equitable & Inclusive.”

Hispanic homeownership rate rose in 2020.

Latinos are the only demographic in the U.S. to increase their rate of homeownership for each of the past six years, according to the 2020 State of Hispanic Homeownership Report, just released by the National Association of Hispanic Real Estate Professionals and the Hispanic Wealth Project. Latino homeownership rates vary widely from state to state and are lower in places with higher home prices. Almost 70% of Latino homebuyers have an annual household income below $100,000. Financing designed to serve first-time homebuyers and low wealth borrowers is important for this population, the report notes.

Need capital for your affordable housing project?

HAC’s loan fund provides low interest rate loans to support single- and multifamily affordable housing projects for low-income rural residents throughout the U.S. and territories. Capital is available for all types of affordable and mixed-income housing projects, including preservation, new development, farmworker, senior and veteran housing. HAC loan funds can be used for pre-development, site acquisition, site development, construction/rehabilitation and permanent financing. Contact HAC’s loan fund staff at hacloanfund@ruralhome.org, 202-842-8600.

Please note: HAC is not able to offer loans to individuals or families. Borrowers must be nonprofit or for-profit organizations or government entities (including tribes).