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Person-to-Person Lending (PPL)
Recently, Internet-based platforms have emerged that allow individuals to lend money to other individuals in what has become known as PPL. These online platforms present a new source of credit for borrowers and a potential investment opportunity for those with capital to lend. Both for-profit and non-profit options exist, allowing for income-generating and philanthropic lending to a variety of groups around the world. This report addresses: (1) how the major PPL platforms operate and how lenders and borrowers use them; (2) the key benefits and risks to borrowers and lenders and the current system for overseeing these risks; and (3) the advantages and disadvantages of the current and alternative regulatory approaches. Illus. A print on demand report.
Public Housing
The Department of Housing and Urban Development (HUD) provided over $6.7 billion in fiscal year 2008 to housing agencies to operate, modernize, and develop about 1.2 million public housing units. It is important that HUD exercise sufficient oversight of housing agencies to help ensure that public housing funds are being used as intended and properly managed. This report examines HUD's oversight processes for detecting housing agencies at risk of inappropriate use and mismanagement of public housing funds. The auditor analyzed HUD financial data on about 3,300 housing agencies, compared HUD's oversight policies with program and agency objectives, and interviewed agency officials. Includes recommendations. Charts and tables.
Disaster Housing
Concerns over FEMA¿s provision of temporary housing assistance, including travel trailers at group sites, after the 2005 hurricanes led to the development of the National Disaster Housing Strategy. This report assesses: (1) the challenges households faced in transitioning to permanent housing; (2) the extent to which FEMA measured its performance in closing and transitioning households in group sites; (3) the strategy's effectiveness in defining FEMA's roles and responsibilities for closing and transitioning households in group sites; and (4) the alternatives to travel trailers in group sites and how well the strategy assessed them. Includes recommendations. Charts and tables.
Disaster Assistance
In response to the 2005 Gulf Coast hurricanes, Congress provided about $130 billion in disaster recovery assistance, including assistance for permanent housing. The objectives of this report were to review: (1) how federal disaster-related assistance for permanent housing has been provided to homeowners and rental property owners; (2) the extent to which federally funded programs have responded to the needs of homeowners and rental property owners; and (3) the challenges that homeowners and rental property owners have faced in applying for and using fed. assistance, and potential options for addressing these challenges. Includes recommendations. Charts and tables.
Veterans Affairs
Adaptive housing assistance grants help eligible service members or veterans adapt or modify a residence to accommodate disabilities sustained through military service. The Veterans' Housing Opportunity and Benefits Improvement Act of 2006 authorized the VA to expand its existing adaptive housing assistance grants to include eligible individuals temporarily living in a home owned by a family member, known as Temporary Residence Adaptation (TRA) grants. This report examines: (1) the characteristics of TRA grants and grantees; and (2) what accounts for low utilization of the program and how to ensure that the program serves its intended recipients. Includes recommendations. Charts and tables.
