Government

Will White House Advisory Council Act to End America’s Affordable Housing Crisis?

PASADENA JOURNAL —

Published

7 years ago

July 23, 2019

By Charlene Crowell

Nearly 90 years ago, Kelly Miller (1863-1939), a Black sociologist and mathematician, said, “The Negro is up against the white man’s standard, without the white man’s opportunity.” As the ﬁrst Black man to enroll as a graduate student at Johns Hopkins University in 1908, Miller also authored a book entitled Race Adjustment, published in 1908.

Ironically, despite the passage of time, Miller’s words express the same sentiment held today by many Black Americans. As a people and across succeeding generations, we have held fast to our hopes for a better life. Yet it is painfully true that many opportunities enjoyed by other Americans have been elusive for people of color.

Noted author and journalist Ta-Nehisi Coates expressed a similar view during his June 19 Capitol Hill testimony on reparations.

“Enslavement reigned for 250 years on these shores,” noted Coates. “When it ended, this country could have extended its hallowed principles—life, liberty, and the pursuit of happiness—to all, regardless of color. But America had other principles in mind. And so for a century after the Civil War, black people were subjected to a relentless campaign of terror, a campaign that extended well into the lifetime of Majority Leader McConnell.”

While economists, public policy think tanks and other entities may sing a chorus of how well the American economy is performing and expanding, people of color – especially Blacks and Browns – have yet to see or feel economic vibrancy in our own lives – particularly when it comes to housing and homeownership.

On June 25, Harvard University’s Joint Center for Housing Studies (JCHS) released its annual report, The State of the Nation’s Housing. One of the housing industry’s most broadly anticipated and cited reports, it once again chronicles recent trends and issues.

“The limited supply of smaller, more affordable homes in the face of rising demand suggests that the rising land costs and the difﬁcult development environment make it unproﬁtable to build for the middle market,” said Chris Herbert, JCHS’s managing director.

Among this year’s key ﬁndings:

Since 2018, the monthly housing payment on a median-priced home has been $1,775;
In 2019, the cost of a median-priced home rose by 4% to $261,600 when a comparable home in 2011 was priced far lower at $177,400.

This rise in home prices is also the seventh straight year that median household incomes have failed to keep pace in 85 of the nation’s largest 100 markets.

Nearly $52,000 would be required to make a 20% down payment on a median priced home. Even if buyers opted for an FHA 3.5% down payment mortgage, more than $9,000 would be needed to pay it, closing costs, and related fees;

In rental housing, four million units of housing priced at $800 or less were lost between 2011 and 2019. Also, since 2010, renters now include consumers earning $75,000 or more.

Families who already own their own homes, these ﬁndings signal that their investments are appreciating, growing in equity and wealth.

But for those trying to make that important transition from renting to owning, it’s a very different outlook. As rental prices continue to soar and moderately priced apartments disappear from the marketplace, both prospective homeowners and current renters face a shrinking supply of affordable housing.

When homeownership is possible, housing costs can be better contained with ﬁ xed-interest rate mortgages, tax credits, and eventual equity. Even so, the Harvard report ﬁnds that only 36% of all consumers could afford to buy their own home in 2018. With higher priced homes in 2019, the affordability challenge worsens.

“It is equally noteworthy that once again this key report shares how consumers of color continue to face challenges in becoming homeowners, noted Nikitra Bailey, an EVP with the Center for Responsible Lending. “According to the report, only 43% of Blacks and 47% of Latinx own their own home, while white homeownership remains at 73%.

“This 30% disparity deserves further examination and proportional remedies,” continued Bailey. “Greater access to safe and affordable credit, better fair housing enforcement, preservation of anti-discrimination laws – including disparate impact – can play a role in eliminating homeownership gaps. Further, as the future of Fannie Mae and Freddie Mac are publicly debated, a renewed commitment to serve all creditworthy borrowers must be embraced.”

Calvin Schermerhorn, a professor of history in Arizona State University’s School of Historical, Philosophical and Religious Studies and author of The Business of Slavery and the Rise of American Capitalism, 1815-1860, holds similar views to those expressed by Bailey. In a recent Washington Post op ed column, Schermerhorn addressed the historic disparities that Black America continues to suffer.

“One-ﬁfth of African American families have a net worth of $0 or below; 75 % have less than $10,000 for retirement,” wrote Schermerhorn. “The enduring barriers to black economic equality are structural rather than individual…. “Escalators into the middle class have slowed and stalled, and the rung of the economic ladder one starts on is most likely where one will end up.”

On the same day as the Harvard report’s release, President Donald Trump signed an executive order that establishes a new advisory body that will be led by HUD Secretary Ben Carson. A total of eight federal agencies will work with state and local government ofﬁcials to remove “burdensome governmental regulations” affecting affordable housing.
“Increasing the supply of housing by removing overly burdensome rules and regulations will reduce housing costs, boost economic growth, and provide more Americans with opportunities for economic mobility,” stated Secretary Carson.

If Secretary Carson means that local zoning rules favor single family homes over multi-family developments is a fundamental public policy ﬂ aw, he may be on to something. However this focus misses the crux of the affordable housing crisis: Wages are not rising in line with increasing housing costs. And now, after the housing industry continues to cater to more afﬂuent consumers, while many older adults choose to age in place, the market has very little to offer those who want their own American Dream, including some who are anxiously awaiting the chance to form their own households.

Builders have historically, not just of late, complained about the time it takes to secure permits or the series of inspections that must be approved during construction and before properties can be listed for sale. What is missing from this new initiative is a solution to the ﬁnancial challenges that average people face.

It was scant regulation and regulatory voids that enabled risky mortgage products with questionable terms that took our national economy to the brink of ﬁnancial collapse with worldwide effects. Taxpayer dollars to rescue ﬁnanciers while many unnecessary foreclosures stripped away home equity and wealth from working families.

Time will tell whether new advisors and proposals remember the lessons from the Great Recession.

This article originally appeared in the Pasadena Journal.

Charlene Crowell

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Activism

From Disparity Study to Solutions: Oakland Coalition and Mayor Barbara Lee Renew Commitment to Reform City Contracting

She committed to ensuring the coalition has direct access to City leadership by designating Assistant Deputy City Administrator Chuck Baker the primary liaison. Working alongside Deputy City Administrator Sofia Navarro, DWES Director Emylene Aspilla, Race and Equity Director Darlene Flynn, and other City departments, the coalition will continue advancing these priorities while maintaining regular communication with City leadership.

Published

8 hours ago

July 15, 2026

Oakland Post

Present at the recent meeting on implementing recommendations on Oakland’s Disparity Study on city work contracts were (first row, l. to r.): Chuck Baker, Oakland Mayor Barbara Lee and Darlene Flynn. Second row, l. to r.) Samuel Adams, Erica Astrella, Chadwick Spell, Cathy Adams, Stanley Cooper, Maria Wagner, Len Turner, Derek Barnes, Paul Cobb. Photo courtesy of Oakland Mayor’s Office.

Special to The Post

On June 30, a coalition of minority business leaders, contractors and others met with Oakland Mayor Barbara Lee to discuss the City’s commitment to implement recommendations outlined in Oakland’s Disparity Study and eliminate barriers that have historically prevented Black and minority-owned businesses from fully participating in public contracting opportunities.

Representatives of the Oakland African American Chamber of Commerce (OAACC), National Association of Minority Contractors Northern California (NAMC NorCal), Construction Resource Center (CRC), and the East Bay Rental Housing Association (EBRHA) said the meeting represented an important milestone in a process that has been underway for several months.

On April 21, the Oakland City Council’s Life Enrichment Committee received a progress report from the Department of Workplace and Employment Standards (DWES), where Director Emylene Aspilla presented the coalition’s working document and outlined a collaborative implementation plan between the coalition and the City. That report established 30-, 60-, and 90-day objectives focused on five key priorities:

Reforming Local and Small Local Business Enterprise (L/SLBE) waiver practices
Strengthening prompt payment compliance
Improving procurement forecasting and transparency
Expanding contractor capacity building and business development
Increasing oversight, accountability, and public reporting

A series of working sessions was scheduled between coalition representatives, DWES, and the City Administrator’s Office to begin implementing those priorities but were temporarily delayed by the resignation of former City Administrator Jestin Johnson.

Rather than allowing that momentum to stall, OAACC President and CEO Cathy Adams requested a meeting with Lee to gain clarity on the City’s direction and reaffirm its commitment to implementing the recommendations contained within the Disparity Study.

Coalition leaders described the meeting as productive, candid, collaborative, and encouraging.

During the meeting, Lee spoke not only from her role as mayor but also from her experience as an 8(a) contractor and business owner, sharing that she understands firsthand what it takes to build and grow a successful company, employ a substantial workforce, compete for public work, and navigate the complexities of municipal contracting.

Mayor Lee also expressed her commitment to personally participate in future working meetings with the coalition.

“This meeting represents a renewed commitment to partnership,” said Adams. “Mayor Lee listened, engaged, and demonstrated that she wants to move beyond conversation and into implementation.”

CRC’s Len Turner said the roadmap is already in place. ““The City already has the evidence. What’s been missing is execution. …Now it’s time to deliver results.”

Mario Wagner, president of NAMC NorCal agreed that the next phase must focus on implementation, funding, and accountability.

“The coalition is ready to get to work. …The next step is ensuring these initiatives receive meaningful funding in the upcoming fiscal budget cycle. Just as important, the City must establish transparent reporting mechanisms that keep the public informed through regular progress reports, measurable benchmarks, and accountability.”

Coalition leaders also acknowledged that while City leadership has indicated it is reviewing Local and Small Local Business Enterprise waiver practices, the community continues to seek a formal response regarding existing long-term waivers, including waivers extending 10 and 25 years. The coalition believes those waivers should be comprehensively reviewed and, where appropriate, rolled back as part of the City’s broader contracting reforms.

The coalition is also calling on the City to include meaningful funding in the upcoming fiscal budget cycle to support implementation of the Disparity Study recommendations and establish better methods and mechanisms to keep the public informed through regular progress reports, measurable benchmarks, and transparent accountability.

The coalition’s immediate next step is to schedule a working meeting with Baker, Aspilla, Lee, and the appropriate City staff to review what has already been accomplished under the implementation framework.

Oakland Post

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Black History

The Congressional Seat That Black History Built (florida’s 20th District)

JACKSONVILLE FREE PRESS — Florida’s 20th Congressional District represents a civil rights victory born from immense struggle and sacrifice. The first Black Congressman from Florida, Josiah Thomas Walls, was elected during Reconstruction but was forced from office in 1876. This marked the beginning of a 117-year period without Black representation from Florida in Congress, a silence that deeply impacted generations.

Published

10 hours ago

July 15, 2026

bpusa-syndication

Florida Congresswoman Frederica Wilson speaks to police and youth attending a 5000 Role Models conference at Hard Rock Stadium in Miami Gardens, Florida on Nov. 1, 2022. (Jose A. Iglesias/Miami Herald/TNS

By Rep. Frederica S. Wilson

History has a way of disappearing if no one is willing to tell it.

Too often, we celebrate milestones without remembering the struggle that made them possible. We inherit rights without understanding who fought for them. We walk through doors without knowing who had to break them open. That is why I believe every generation has a responsibility to remember, because when history fades, so does our appreciation for what it took to change it.

This is not an endorsement of any candidate. It is a civics lesson. It is a history lesson. Before you cast your ballot, know the story of District 20.

District 20 is more than a congressional district. It is a civil rights victory.

Its story begins with Josiah Thomas Walls, the first Black Congressman from the State of Florida. His election during Reconstruction represented one of the nation’s earliest promises that democracy could become broader, fairer, and more representative. For a brief moment, Black Floridians saw themselves reflected in the halls of Congress.

That promise did not last.

Across the South, white supremacist violence sought to erase the gains of Reconstruction. Terror replaced hope. Intimidation replaced participation. Organizations such as the Ku Klux Klan worked to drive Black Americans from public life and dismantle the political power they had only just begun to build. Josiah Walls was forced from Congress on April 19, 1876, and with his departure, Florida entered one of the darkest chapters in its democratic history.

For the next 117 years, Florida did not elect another Black Member of Congress.

That is longer than any lifetime. Entire generations were born, raised, and buried without ever seeing Black representation from Florida in the United States Congress. Families taught their children to keep believing even when history gave them every reason to lose hope. Black people died. Black blood was shed. Black skulls were cracked beneath the blows of nightsticks. In the rivers of Florida, the water became an unmarked grave for Black Americans whose only demand was the right to vote, to be fairly represented, and to have their voices heard. Churches became organizing centers. Neighborhoods became movements. Ordinary citizens are still carrying, to this day, extraordinary burdens because they refused to accept that this was permanent.

The story of District 20 is, in many ways, the story of America itself. It is a story of extraordinary progress born from extraordinary sacrifice. It is also a reminder that progress has never followed a straight line. Every advance has been met by resistance. Every victory has required vigilance.

Then, in 1993, history turned.

Corrine Brown, Carrie Meek, and Alcee Hastings were elected to Congress, ending a silence that had lasted 117 years. Their elections did more than fill three seats. They restored a voice that had been absent from Florida’s congressional delegation for more than a century. They reminded the nation that the arc bends towards justice.

Congressman Alcee Hastings would go on to represent what is now Congressional District 20 for many years, carrying forward that legacy of service and advocacy.

District 20 is the legacy of those who refused to be erased.

It is a seat paid for by generations of Black sacrifice.

It exists because countless Black people challenged barriers that once seemed impossible to overcome. Black people organized when organizing carried real risks. Black people marched when marching invited retaliation. Black people voted when others worked tirelessly to deny them that right. Black people understood that democracy is strongest when every community has an opportunity to be represented and every citizen has a voice.

White nationalists marched through our nation’s capital carrying Confederate flags on the Fourth of July just to remind us that Black people cannot be comfortable. Even after more than 400 years of slavery, we still have to continue the fight. The fight for our freedom did not end. It simply became our generation’s responsibility.

That is why the history of District 20 matters.

If Black lives matter, then the history of Black representation matters too.

Representation is not merely symbolic. It shapes conversations and brings lived experiences into the rooms where decisions are made. A representative cannot erase history, but a representative can ensure that history is remembered.

The story of District 20 is also the story of America’s promise and its failures. It reminds us how difficult it has been to expand democracy and how much determination it has taken to make our institutions more representative of the people they serve. It teaches us that progress is not inevitable. It is built, protected, and renewed by each generation.

That is why history deserves our attention.

As the highest-ranking Black elected official in the State of Florida, I have a responsibility to tell you the truth. I know what our ancestors endured to earn a voice in these halls of power, and I know how quickly that voice can be taken away. I know what it costs to lose representation because our history has already lived through that pain.

That is why I am imploring you to vote like your future depends on it, because it does.

We deserve a seat at every table where decisions about our lives, our children, our communities, and our future are made. That seat was not given to us. It was earned through generations of Black sacrifice.

At a time when President Trump and many Republicans are working to undo decades of hard-fought progress, we need a fighter in Congress who understands the lived experiences of Black communities, who knows the history that brought us here, who recognizes what is at stake, and who will never hesitate to defend our right to be heard, represented, and included wherever decisions about our future are made.

So, I am asking you to do more than vote.

I am asking you to honor those who never lived to see this moment because freedom has always demanded participation.

That future is now in your hands.

Every generation must choose whether it will preserve it or surrender it.

When you enter that voting booth, remember that you are carrying the hopes and voices of those who were denied one.

You are carrying the prayers of those who never stopped believing that America could live up to its promise.

Do not leave that legacy behind.

Because District 20 is more than a seat in the United States Congress, it is the seat that Black history built.

Now it is our responsibility to make sure history never has to build it again.

Courtesy of the Westside Gazette

Based on reporting by Jacksonville Free Press.

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Black History

COMMENTARY: The Two July 4ths: Which Did You Celebrate?

MILWAUKEE COMMUNITY JOURNAL — The recent Fourth of July holiday presented a duality of experiences across the nation. While hundreds of immigrants celebrated becoming naturalized U.S. citizens, fulfilling a core tenet of the 14th Amendment, others questioned the holiday’s meaning.

Published

10 hours ago

July 15, 2026

bpusa-syndication

COMMENTARY: The Two July 4ths: Which Did You Celebrate?

It was like a “Tale of Two Cities”: The best of times and the Worst of Times.

It was the best of times for the hundreds of immigrants that were sworn in as U.S. naturalized citizens across this great land. Their swearing in was a manifestation of the provisions of the 14th Amendment creating citizenship status for persons not born in this country; a provision of the 14th Amendment to the Constitution just as important as citizenship by birth. This is the provision that President Trump tried to get the U.S. Supreme Court to nullify, the Birthright Citizenship case which the Court rejected.

While many recited the Preamble to the Declaration of Independence words stating that “We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights; that among these are Life, Liberty and the Pursuit of Happiness, That to secure these rights, Governments are instituted among men, deriving their just powers from the consent of the governed….” Many among us are being denied those very rights today as evidenced by armed troops on the streets of our cities and Federal agents killing and imprisoning immigrants, citizens and anyone who appears to be out of step with this administration.

The celebrations, parades and millions of dollars spent on fireworks left many of us to remember to question those events with the immortal words of Federick Douglas when he raised his rhetorical question during the 1852 76th anniversary celebration of America’s independence; “WHAT TO THE NEGRO (BLACK PEOPLE) IS YOUR FOURTH OF JULY….? TODAY ONE HUNDRED AND SEVENTY FOUR YEARS LATER, the question is

still all too real. For those of us concerned about the police state and kingship that Donald Trump would establish, let us take heart in the fact that today we have tools that Douglas did not have. In addition to the Constitution with its 13th, 14th, and 15th Amendments, the only thing we lack to make change is the will to get involved and do so. Let’s start right where we live. Let’s start with the issue of making sure that each of us can vote, register and prepare to do so. Let’s take another look at how we are spending the few dollars we have. Let’s take another look at who we can help as a part of our collective and prepare to use our numbers like never before in all that we do. Let’s create our own fireworks that will last all year long with our involvement and collective agreement to help ourselves before we expect others to do so, and in all this, let’s make a lasting reality out of the change that Frederick Douglas envisioned.

Based on reporting by Milwaukee Community Journal.