Michigan has seen a 10% rise in foreclosures this year.

The Middle Class Borrower Protection Act, intended to assist middle-class homebuyers, is under fire for potentially increasing housing costs and making homeownership harder.

Critics warned the bill might benefit landlords and large corporations more than average families by reversing recent Federal Housing Finance Agency fee changes for Fannie Mae and Freddie Mac mortgages.

Caroline Nagy, senior policy counsel at Americans for Financial Reform, explained the concern.

"This bill would order the FHFA to undo that change, raise prices for lower-income folks, first-time home buyers and order the FHFA to lower prices for investors and vacation-home buyers," Nagy outlined.

Nagy highlighted backers of the bill passed it in the House very quickly and it concerns her the legislation was a priority for the leadership. The bill is currently being held in Senate committee in banking housing and urban affairs.

In Metro Detroit, the median sale price for a home in 2023 was at an all-time high of $250,000. Detroit saw around 100 foreclosures in July alone, underscoring the city's ongoing foreclosure problem. Nagy expressed surprise Rep. John James, R-Mich., a Detroit native, actually supports the bill.

"I think that is a very interesting vote, given his location, and the Detroit metro area," Nagy observed. "This is an area that has seen a lot of struggles."

James did not respond to requests for comment. In Michigan, more than 12,000 properties were affected by foreclosures.

Since the Fair Housing Act was established in 1968 to make discrimination in housing illegal, nonprofits around the country have helped investigate cases and counsel victims.

But the Trump administration has cut federal grant funding to many of them, including Montana Fair Housing. The U.S. Department of Housing and Urban Development sent Montana Fair Housing a termination notice for a $425,000 annual grant.

Pam Bean, executive director of Montana Fair Housing, said the grant made up 83% of the organization's funding.

"We had no notice, nothing," Bean explained. "The letter indicated our grant 'no longer met the goals and priorities' of the organization."

The letter, dated Feb. 27, stated the termination is effective immediately and is at the direction of the Department of Government Efficiency, Elon Musk's government cost-slashing program. It comes weeks after HUD laid off hundreds of employees. Many are bracing for further cuts.

Bean pointed out Montana Fair Housing worked on 32 dispute resolutions last year, staving off as many legal complaints.

"Those services are going to be cut back as well," Bean noted. "That probably will lead to the filing of many more complaints."

Meanwhile, the Trump administration is working to change policies and legal definitions regarding sexual orientation and gender identity, a class of people protected by the Fair Housing Act. According to the National Fair Housing Alliance, there were more than 33,000 reported complaints of housing discrimination in the U.S. in 2023.

Coloradans who want to help move the needle on homelessness can still sign up for a lobbying day next Tuesday at the State Capitol.

Cathy Alderman, chief communications and public policy officer with the Colorado Coalition for the Homeless, expects dozens of people to join this year's effort. Folks will meet up in the morning to hear from a couple of legislators. And they'll get a brief training on how to talk with lawmakers about bills that impact people experiencing homelessness.

"Then we send people out in teams to go find legislators - in their office, sometimes they're debating on the floor, sometimes they're in committee - and we encourage them to support our priorities," she said.

Alderman added this year's legislative priorities include homelessness prevention and resolution, housing availability and access, health care, and economic justice. The group is backing a number of bills, including House Bill 25-1168 which adds protections for victims of gender-based violence in rental housing. Those interested can sign up for the event online at 'ColoradoCoalition.org.'

The coalition is also pressing lawmakers to improve the infrastructure needed to address homelessness across the state. Alderman says House Bill 25-1032 would create a homelessness council, made up of representatives from all state agencies and important stakeholders like local governments and nonprofits, to set a statewide strategy.

"Which we think is really important because it kind of sends a message to the entire community that the state is making this a priority," she explained. "But it needs its local government and nonprofit partners to do the work."

The coalition also supports Senate Bill 25-008, to help people experiencing homelessness and survivors of natural disasters and domestic violence get access to driver's licenses and other vital documents. Alderman said they'll also be tracking any measures related to renter's protections.

"Trying to create that balance between renters and landlords to make sure that folks can stay stably housed. Because we know that it's much more difficult to get housed once you've lost your housing," she added.

A bill making its way through the Maryland General Assembly could protect renters from unjust evictions.

House Bill 709 would create what is known as a "good cause" law. It would enable but not require local governments in Maryland to put eviction laws in place in their communities to prevent landlords from evicting tenants without cause. People could still be evicted for disorderly conduct that disturbs other residents, a major breach of a lease or causing damage to the property.

Erica Puentes, legislative coordinator for the advocacy group Progressive Maryland, said the idea is to help keep Maryland families stable.

"Good cause laws require transparency and accountability from corporate landlords for why they're choosing to evict a tenant," Puentes explained. "'Good cause' would prevent people from being evicted unless the landlord provides a good reason."

A number of city leaders, including the mayors of Baltimore and Takoma Park, have expressed support for a good cause law in the past few years. But some developers and landlords have voiced opposition, saying it would make it more difficult to evict problem tenants.

Corporate landlords file more than 5,000 eviction cases a year without providing a reason, according to the Public Justice Center.

Puentes emphasized all eyes are on the Maryland Senate, where the bill stalled in committee during last year's session. She added the law would give power to local governments to make new tenant laws and policies.

"There is a lot of appetite and need in Maryland for 'good cause,'" Puentes stressed. "Ultimately the counties and municipalities should have the power, and under 'good cause' they would have the power, to enact this legislation, based on the needs of their constituents."

The Public Justice Center reported more than 5,000 Maryland families are made homeless from evictions each year.


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