state of maryland analysis of impediments to fair housing choice coscda program managers meeting...

State of MarylandState of MarylandAnalysis of Impediments Analysis of Impediments to Fair Housing Choiceto Fair Housing Choice

COSCDA Program Managers MeetingCOSCDA Program Managers MeetingWashington, D.C. March 16, 2010Washington, D.C. March 16, 2010

State of Maryland State of Maryland Analysis of Impediments to Fair Housing Analysis of Impediments to Fair Housing ChoiceChoice

DHCD did AI in HouseDHCD did AI in House Items we examined:Items we examined:

– Housing needs by Housing needs by family type, race, age, family type, race, age, and disability and disability

– Low-income and Low-income and Minority Minority ConcentrationsConcentrations

– Home Mortgage Home Mortgage Disclosure Act DataDisclosure Act Data

– Foreclosure DataForeclosure Data– DHCD Lending DataDHCD Lending Data– DGCD Program DGCD Program

BeneficiariesBeneficiaries

– Numbers and Numbers and Languages spoken Languages spoken by persons of Limited by persons of Limited English ProficiencyEnglish Proficiency

– Fair Housing Fair Housing ComplaintsComplaints

– State Policies and State Policies and Procedures including Procedures including HOME, CDBG, LIHTC, HOME, CDBG, LIHTC, Housing Choice Housing Choice Voucher PoliciesVoucher Policies

– Reasonable Reasonable AccommodationAccommodation

– Smart GrowthSmart Growth


Other Actions we undertook:Other Actions we undertook:– Fair Housing SurveyFair Housing Survey– Accessing Affordable and Available HousingAccessing Affordable and Available Housing– Meetings with Advocacy Groups, Legal Meetings with Advocacy Groups, Legal

Aide, ACLU, staff from other State agencies Aide, ACLU, staff from other State agencies including DHMH, DHR, MCHRincluding DHMH, DHR, MCHR

– Public Hearings across the StatePublic Hearings across the State– Examined items we don’t control but my Examined items we don’t control but my

impact fair housing choice: for example, impact fair housing choice: for example, local zoning, availability of transportation, local zoning, availability of transportation, BRACBRAC


What we did well:What we did well: Financed new Financed new

construction of rental construction of rental housing outside of housing outside of areas of minority and areas of minority and low-income low-income concentrationconcentration

Provided mortgage Provided mortgage financing to protected financing to protected classesclasses

Operated the Housing Operated the Housing Choice Voucher Choice Voucher Program in a way that Program in a way that provided housing provided housing choicechoice


What We Did Well What We Did Well (continued):(continued):

Undertook CDBG Undertook CDBG projects outside of projects outside of areas of minority areas of minority and low-income and low-income concentrationconcentration

Offered a wide-array Offered a wide-array of programs that of programs that offered fair housing offered fair housing choicechoice

Carried out the goals Carried out the goals and objectives of the and objectives of the last AIlast AI


Impediments We Identified:Impediments We Identified:

– Lack of knowledge about fair Lack of knowledge about fair housing rights, housing rights, responsibilitiesresponsibilities

– Data does not allow us to Data does not allow us to identified possible identified possible discrimination or adequate discrimination or adequate determine needsdetermine needs

– Persons of Limited English Persons of Limited English Proficiency need better Proficiency need better access to programsaccess to programs

– Disproportionate housing Disproportionate housing need for persons with need for persons with disabilitiesdisabilities

– Need for more affordable Need for more affordable housinghousing

Actions to overcome Actions to overcome Impediments:Impediments:

– Need more Fair Housing Need more Fair Housing EducationEducation

– Need for improved data Need for improved data at Federal, State levelat Federal, State level

– Need to improve Limited Need to improve Limited English Proficiency (LEP) English Proficiency (LEP) effortsefforts

– Need for more housing Need for more housing for persons with for persons with DisabilitiesDisabilities

– Need for more Need for more affordable housing for all affordable housing for all populationspopulations


Fair Housing EducationFair Housing Education

– Survey answers showed Survey answers showed many people in all areas many people in all areas lacked awareness of lacked awareness of knowledge of fair housing knowledge of fair housing rights and responsibilitiesrights and responsibilities

– Many property owners Many property owners did not know how to did not know how to categorize HH by categorize HH by race/ethnicityrace/ethnicity

– HUD has not issued new HUD has not issued new requirements under requirements under HERAHERA

56, 39%

27, 18%15, 10%

8, 5%

9, 6%

5, 3%

6, 4%

13, 9%9, 6%

Better Education

Other

More Affordable andAccessible Housing

More Funding

Not Sure

Nothing should be done

Ordinances

Marketing and Outreach

No Suggestions or Response


Actions to Address Actions to Address Education NeedsEducation Needs

– Development and Development and Implementation of Implementation of comprehensive local comprehensive local outreach and outreach and information programs information programs on fair housing, on fair housing, emphasizing race, emphasizing race, ethnicity, and ethnicity, and disabilitydisability

– Initiate testing for Initiate testing for racial discrimination in racial discrimination in sales practices and sales practices and lending.lending.

– Develop and Develop and implement fair housing implement fair housing training for residents, training for residents, realtors, developers, realtors, developers, landlords, lenders, landlords, lenders, insurers, management insurers, management agents, etc.agents, etc.

– Train landlords on new Train landlords on new reporting requirements reporting requirements related to tenant related to tenant beneficiaries as per beneficiaries as per HERA (awaiting HUD HERA (awaiting HUD guidance and TA.)guidance and TA.)

– Sponsor Fair Housing Sponsor Fair Housing Conferences, Conferences, workshops and workshops and seminarsseminars


Improved DataImproved Data– HMDA Data shows HMDA Data shows

possible possible discrimination, but discrimination, but can’t be proved based can’t be proved based on dataon data

– Census data on Census data on disabilities does not disabilities does not reflect housing needreflect housing need

– Persons at all levels of Persons at all levels of government, private government, private sector don’t sector don’t understand basic understand basic data, reporting data, reporting categories, etc.categories, etc.

GarrettGarrett

DorchesterDorchester

KentKent

CharlesCharles

CecilCecil

TalbotTalbot

FrederickFrederick

WorcesterWorcester

CarrollCarroll

SomersetSomerset

Saint Mary'sSaint Mary's

AlleganyAllegany

CalvertCalvert

WicomicoWicomico

WashingtonWashington

CarolineCaroline

QueenQueenAnne'sAnne's

Percent of Individuals with a Disability by Census Tract1 for theTotal Civilian Noninstitutionalized Population 5 years and over

(excluding entitlement areas)

Allegany Calvert Caroline Carroll Cecil Charles Dorchester Frederick Garrett Kent Queen Anne's Saint Mary's Somerset Talbot Washington Wicomico Worcester Maryland

46,721 68,553 27,570

138,549 79,151

108,881 28,499

131,213 27,509 17,942 37,491 76,604 20,188 31,623 81,721 56,118

43,569 1,021,902

8,782 10,925 5,642

20,411 14,486 18,133 6,532

17,983 5,499 3,687 6,441

11,724 4,985 6,093

14,897 10,209

9,154 175,583

18.8 15.9 20.5 14.7 18.3 16.7 22.9 13.7 20.0 20.5 17.2 15.3 24.7 19.3 18.2 18.2

21.0 17.2

JurisdictionTotal

PopulationPop. with aDisability

Percentw/Disability

Data Source: U.S. Census Bureau, Census 2000, Summary File 3, Table PCT26 - Sex by Age by Types of Disability for the Civilian Noninstitutionalized population 5 years and over

All totals and derived calculations exclude data (i.e. disability populationvalues) located in entitlement areas.

Census tracts located in both entitlement and non-entitlement areas have been split,so that only data in non-entitlement areas were used to calculate percentages.

1

<= 17.0%, the census tract mean

17.1% - 23.4% (1 SD above mean)

23.5% - 29.8% (2 SD above mean)

29.9% - 36.2% (3 SD above mean)

>= 36.3% (4 SD above mean, 40.8% max. value)

Entitlement Areas(data in entitlement areas omitted from analysis)


Actions to Address Actions to Address Data shortcomings:Data shortcomings:– Advocate with Advocate with

Congress, HUD and Congress, HUD and Federal Reserve to Federal Reserve to improve HMDA data improve HMDA data (federal pre-emption)(federal pre-emption)

– Advocate and work Advocate and work with HUD and State with HUD and State agencies to improve agencies to improve data collection on data collection on housing needs of housing needs of persons with persons with disabilities disabilities

– Fair Housing Training Fair Housing Training to project managers to project managers to improve to improve beneficiary reportingbeneficiary reporting


Limited English Limited English Proficiency (LEP)Proficiency (LEP)– Used Safe Harbor Used Safe Harbor

Limits from HUDLimits from HUD– Many people unaware Many people unaware

of requirementsof requirements– DHCD already does DHCD already does

some LEP, but not in a some LEP, but not in a coordinated waycoordinated way

– Expand translation Expand translation services, website, etc.services, website, etc.


Actions to Address Actions to Address Limited English Limited English ProficiencyProficiency– Encourage local LEP Encourage local LEP

service provision with service provision with town/municipalities, town/municipalities, nonprofit nonprofit organization, etc.organization, etc.

– Develop and Develop and implement LEP implement LEP marketing, outreach marketing, outreach and information as and information as appropriate for appropriate for programsprograms

– Add an “En Espanol” Add an “En Espanol” link to DHCD’s link to DHCD’s website to materials website to materials already translated already translated into Spanish into Spanish (foreclosure data, (foreclosure data, apartment search apartment search data, etc.)data, etc.)

– Utilize and advertise Utilize and advertise more extensively more extensively State Translator State Translator Subscription ServiceSubscription Service


Housing Need for Housing Need for Persons with Persons with DisabilitiesDisabilities– Even with existing Even with existing

DHCD programs, strong DHCD programs, strong need for persons with need for persons with disabilitiesdisabilities

– Disabled persons on Disabled persons on SSI/SSDI can not afford SSI/SSDI can not afford “affordable” “affordable” apartmentsapartments

– Significant populations Significant populations might be eligible for might be eligible for mainstreamingmainstreaming


Actions to Address Actions to Address Housing Needs for Housing Needs for persons with Disabilities:persons with Disabilities:– Implement select Implement select

strategies of the State strategies of the State Disabilities PlanDisabilities Plan

– Increase rental subsidies Increase rental subsidies to persons with to persons with disabilities from HUDdisabilities from HUD

– Utilize alternative Utilize alternative funding streams to funding streams to provide rental subsidies provide rental subsidies (Medicaid wavers, State (Medicaid wavers, State Medicaid match, etc.)Medicaid match, etc.)

– Access possible Access possible additional resources to additional resources to serve persons with serve persons with Special Needs Special Needs (proposed reforms to (proposed reforms to Section 811, 202 Section 811, 202 programs).programs).

– Improve coordination Improve coordination between agencies that between agencies that serve the disabled and serve the disabled and developersdevelopers

– Improve operation of Improve operation of housing programs for housing programs for the disabled operated the disabled operated by other agenciesby other agencies


Lack of Affordable Lack of Affordable Housing Housing – Need greatly Need greatly

exceeds supplyexceeds supply– Housing is not Housing is not

necessarily located necessarily located near transit or jobsnear transit or jobs

– Loss of affordable Loss of affordable housing housing exacerbates exacerbates housing problemshousing problems


Actions to Address Actions to Address Lack of Affordable Lack of Affordable HousingHousing– Access New Access New

Resources for Resources for affordable housing affordable housing (for example, (for example, National Affordable National Affordable Housing Trust)Housing Trust)

– Preserve Existing Preserve Existing Affordable Housing Affordable Housing (MacArthur (MacArthur Foundation Funds)Foundation Funds)

– Increase energy Increase energy efficiency of housing efficiency of housing (Weatherization, State (Weatherization, State Energy Grant Energy Grant programs)programs)

– Coordinate housing, Coordinate housing, transportation, and transportation, and jobs (State jobs (State Development Plan, Development Plan, federal Sustainable federal Sustainable Communities Initiative Communities Initiative and Choice and Choice Neighborhoods Neighborhoods Initiatives.)Initiatives.)


Other IssuesOther Issues Questions?Questions?

state of maryland analysis of impediments to fair housing choice coscda program managers meeting...

Documents

housing choice slide

fair housing choice

fair housing survey

housing needs

fair housing rights

impact fair housing

fair housing education

housing choice voucher