After a history of forcible removal from their land, Native Americans now struggle to own homes.

Until recently, indigenous people had little recourse against discrimination in housing policies. The 1968 Fair Housing Act has helped. However, data from Prosperity Now showed that only 45% of Native Americans in Montana own their homes, compared with nearly 70% of white residents.

Darrell LaMere, a loan officer at the Billings-based Native American Development Corp., said the pandemic and current housing crunch have made this issue worse.

"Affordability, availability, substandard housing - just everything about the housing market is terrible on reservations," he said. "Housing is in dire straits right now, on every reservation in Montana."

LaMere said housing is a big part of economic development, adding that he thinks one priority should be to help prospective borrowers improve poor credit scores or negative credit reports, which otherwise can doom their chances of qualifying for a mortgage loan.

LaMere said some major banks don't work with people on reservations. It's reminiscent of the practice of redlining, when banks would discriminate against people based on their race or neighborhood. He says there also are some legal differences for reservations.

"We are considered sovereign countries," he said, "and some banks are reluctant to invest on reservations, simply because of the foreclosure issue."

He explained that part of the concern is that some tribes don't have foreclosure laws, so it can be more difficult for banks to recover their losses if a homeowner defaults.

Some financial institutions including the NADC are working with these borrowers to improve their chances. LaMere noted there's also 1st Tribal Lending, which can provide loans through the Section 184 Indian Home Loan Guarantee Program. It's a product of the U.S. Department of Housing and Urban Development.

"A conventional bank would look at your credit score and look at your credit report. If it was bad, they would say, 'No, we can't give you a loan.' But 1st Tribal Lending will work with you. So, they do help people with compromised credit reports and credit histories."

HUD data from 2017 showed the program had guaranteed more than 37,000 loans.

Advocates for affordable housing are still grappling with a U.S. Supreme Court decision they say could criminalize homelessness. Justices voted 6-3 in favor of Grants Pass, Ore., which passed an ordinance allowing fines for people sleeping in public, even if they have nowhere else to go.

Rachael Myers, executive director of the Washington Low-Income Housing Alliance, said the decision comes as many people in Washington state struggle to stay housed.

"The affordable housing crisis that we're experiencing right now is part of what makes this decision so painful. We're saying that it's okay to punish people for not having a place to live, when at the same time, the cost of housing is so astronomical," she said.

Critics of the decision say it opens the doors to cities implementing their own policies to punish people for sleeping outdoors. Supporters of Grants Pass say cities have had few options for responding to homelessness.

In ruling the anti-camping ban did not violate the Eighth Amendment against cruel and unusual punishment, Justice Neil Gorsuch wrote the high court should not "dictate this nation's homelessness policy."

Myers noted Washingtonians needed to make more than $36 per hour at a full time job in 2023 to afford to rent the average two-bedroom apartment.

"It's especially a slap in the face when housing costs are so out of control, and when we know what to do about it. We know that providing people with housing and services is what is going to actually reduce homelessness and addressing the individuals' homelessness. Fines and tickets and arrests won't do that," she explained.

Myers added enforcing bans on sleeping outdoors could also divert resources.

"It costs a lot of money to incarcerate people, and we could be devoting any resources that go into arresting people or fining and ticketing people - we could be putting those resources into housing, into services, into shelter," she continued.

Myers said Washington state lawmakers could look at this issue and potentially take anti-camping bans off the table during their next legislative session.


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Connecticut advocates are distressed about the U.S. Supreme Court's decision in Grants Pass v. Gloria Johnson.

The ruling said public camping bans are not "cruel and unusual punishment" as defined by the Eighth Amendment. It means municipalities can fine homeless people for making encampments in public parks.

Sarah Fox, CEO of the Connecticut Coalition to End Homelessness, said criminalizing homelessness never works.

"People who are arrested are then returned to our community without resources," Fox pointed out. "So those that are engaged in the criminal justice system rarely come back to the community with the resources they need to thrive."

She added expenses such as court fees can stall a person's efforts to get housing. States such as California, Texas and Utah have bans similar to Grants Pass. Other states are either considering bans or saw legislation fail when it was introduced. The ruling comes as the last two annual point-in-time snapshots showed homelessness in Connecticut is rising after an 8-year decline.

Nationwide, homelessness has only grown since 2017. A 2022 U.S. Department of Housing and Urban Development point-in-time snapshot shows more than 582,000 people were homeless on a single 2022 night.

Fox argued a multipronged approach can reduce homelessness and developing affordable housing is a primary concern.

"We need to take a deep look at zoning," Fox contended. "What other models of housing are available in the near term, and how do we actually build deeply affordable units in the long term to meet the need?"

Recent estimates showed Connecticut is short 100,000 affordable housing units and current housing is too expensive even for higher-paying jobs in the state. The National Low-Income Housing Coalition finds Connecticut rental prices far exceed the pay of most if not all jobs the state has to offer.


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A group formed to fight for the rights of Bozeman's lower-income renters is pushing for mandatory legal assistance for people facing eviction. Opponents say it's unfair to landlords.

Bozeman Tenants United calls itself a multiracial, intergovernmental movement to win safe, dignified and affordable housing for working-class renters.

Benjamin Finegan, director of the group, said rising rents and less availability are proving to be "death by a thousand cuts" for renters, who he pointed out are forced to spend as much as half of their income on housing, if they can afford it at all. He called evictions "acts of violence," and claimed they are at the heart of Bozeman's housing crisis.

"Where an eviction, in a lot of ways, is a death sentence," Finegan argued. "It means that you are out on the street with nowhere to go, possibly with kids. It means that you have a red stamp on your rental record, and it will be extremely difficult, if not impossible, to find new housing."

Finegan is working to get financial support from Bozeman to pay for legal representation for low-income households facing eviction. The state landlord's association is among the groups pushing back on the idea, saying rent prices are simply driven by market conditions and supply and demand.

Finegan noted Bozeman would join more than a dozen other towns and cities around the country that have instituted some form of legal assistance for people facing eviction. In Bozeman, Finegan said at least two-thirds of residents are low-income renters and as the number continues to grow, his group will push for the funding to pay for legal help.

"Fighting for approximately $670,000 per year in order to actually fund enough attorneys to give people full legal representation through eviction court filings, as well as illegal, dangerous living conditions," Finegan outlined.

Finegan added mandatory, city-funded legal representation for low-income people has sharply reduced the eviction rate in other places across the country that have adopted it, including a dramatic drop in evictions in Kansas City.


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