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Moreover, New York’s public housing stock, a vital tool for reducing homelessness and maintaining the number of affordable units, has fallen into disrepair as government management failed the City’s low-income residents.
Non-profit housing developers build affordable housing for individuals under-served by the private market. The non-profit housing sector is composed of community development corporations (CDC) and national and regional non-profit housing organizations whose mission is to provide for the needy, the elderly, working households, and others that the private housing market does not adequately serve.
Several federal and state initiatives have targeted this problem, but have failed to provide enough affordable, inclusive, and sustainable housing for New York City residents. The demand for affordable housing in New York City remains high: 2.5 million applications were submitted for 2,600 available affordable apartments in 2016. [63]
The Community Reinvestment Act (CRA, P.L. 95-128, 91 Stat. 1147, title VIII of the Housing and Community Development Act of 1977, 12 U.S.C. § 2901 et seq.) is a United States federal law designed to encourage commercial banks and savings associations to help meet the needs of borrowers in all segments of their communities, including low- and moderate-income neighborhoods.
It also administered a program of direct federal grants and loans to local housing authorities. The United States Housing Authority (USHA) was established in the Department of the Interior by the Housing Act of 1937, September 1, 1937, assuming responsibilities of the Housing Division in 1939.
The Fuller Center for Housing (FCH) is an ecumenical Christian, 501(c)(3) non-profit, non-governmental organization based in Americus, Georgia, that builds and repairs homes for low-income families and individuals.
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