In the face of a mounting housing affordability crisis exacerbated by the COVID-19 pandemic, a group of 20 organizations is urging the U.S. government to do more to make homes affordable to low- and moderate-income families. The Underserved Mortgage Markets Coalition is urging the U.S. Federal Housing Finance Agency (FHFA) to require Fannie Mae and Freddie Mac to improve their performance in serving families that cannot access traditional mortgage markets. 

Fannie Mae and Freddie Mac—both government-sponsored providers of housing finance—are required to serve these sectors by a regulation known as Duty to Serve. In May, they submitted mandatory three-year plans for how they will comply with the regulation. The coalition is asking the FHFA to require substantial improvements to these plans this year before it approves them. 

“Amid a housing affordability crisis that requires bold and aggressive action, Fannie Mae and Freddie Mac have set forth plans that fail to effectively reach those not served or not served well by the conventional mortgage market” the coalition’s members wrote in a letter to FHFA Acting Director Sandra L. Thompson. 

The coalition urges FHFA to make regulatory changes to enable Duty to Serve to function as intended by providing Fannie Mae and Freddie Mac with the flexibility to reach underserved mortgage markets more effectively. 

In addition, the coalition supports FHFA’s new initiative requiring Fannie Mae and Freddie Mac to create plans to reduce racial or ethnic homeownership gaps and reinvest in formerly redlined neighborhoods. 

“Solving our housing affordability crisis requires multiple actions by all levels of government and the private sector, and an invigorated role for Fannie Mae and Freddie Mac is one of them,” said George W. “Mac” McCarthy, president of the Lincoln Institute. “The Underserved Mortgage Markets Coalition seeks to hold Fannie Mae and Freddie Mac accountable and uphold their founding purpose: to bring housing finance opportunities to American families not traditionally served by the private market.” 

Along with advocating for stronger plans and regulations, the coalition will use a new tracking tool to closely monitor the performance of Fannie Mae and Freddie Mac related to Duty to Serve and racial equity. The coalition is also conducting in-depth research to compare the performance of Fannie Mae and Freddie Mac to the broader U.S. mortgage market, which will make it easier for outside experts and advocates to assess the extent to which they are serving their public mission and to inform policy makers going forward. 

“The coalition seeks to work constructively with the FHFA, Fannie Mae, and Freddie Mac to meet the urgent needs of millions of Americans who are locked out of the opportunities that come with safe, stable, and affordable housing,” said Dr. Akilah Watkins, president and CEO of the Center for Community Progress, a member of the coalition. 

The members of the Underserved Mortgage Markets Coalition include: 

• Center for Community Progress 
• cdcb 
• Enterprise Community Partners  
• Fahe 
• Grounded Solutions Network 
• Housing Assistance Council 
• Housing Partnership Network 
• Lincoln Institute of Land Policy 
• Local Initiatives Support Corporation 
• National Council of State Housing Agencies 
• National Community Stabilization Trust 
• National Housing Conference   
• National Housing Trust 
• NeighborWorks America 
• Next Step 
• Novogradac 
• Opportunity Finance Network 
• Prosperity Now 
• RMI 
• ROC USA 

For more background on the Duty to Serve regulation, read the policy brief Duty to Serve: Early Lessons Learned in Underserved Housing Markets. 

Image: Manufactured housing is one of three sectors that Fannie Mae and Freddie Mac must serve under federal law. Credit: Marje / E+ via Getty Images. 

This content was developed through a partnership between the Lincoln Institute and the American Planning Association as part of the APA Foresight practice. It was originally published in APA’s Planning magazine. 

“The world turns and we get dizzy.” That’s how Bono would put it.

He’s right: the world’s accelerations, constant technological disruptions, social inequalities, and changing climate are only a few of the dizzying, mind-boggling challenges today’s planners face. Many of them have been with us for a while. But then came COVID-19, which has catalyzed technological disruptions, amplified our awareness of the effects and pervasiveness of social injustice, and sparked countless other challenges.

Some of these trends have such big implications, are so urgent, or are just moving so fast that planners and the profession have no choice but to stay on top of them. That’s where APA Foresight comes in. In partnership with the Lincoln Institute of Land Policy, APA’s research team has been looking into existing and emerging trends in the profession so that we can understand the drivers of change, learn how we can prepare for them, and identify when it is time for planners to act. For this article, we explore what you need to know about seven of the most pressing trends for the profession today.

1. Transit ridership has dropped low. Planners will need to aim high. During the COVID-19 pandemic, transit ridership tanked. New York City saw a 60 percent decrease in subway riders, while San Francisco reported a 90 percent loss of passengers using Bay Area Rapid Transit. The national number of vehicle-miles traveled (VMT) has returned to pre-pandemic levels, but transit ridership is only slowly recovering (and in some places, barely so). There are other modes, like active transportation and shared micromobility options—plus potential newcomers in the next five to 10 years like autonomous vehicles and urban air mobility—that may seem like competitors to transit instead of promising partners.

A pandemic made it even more obvious that, in most cities, people who can afford to live close to transit are not always those who rely on it for mobility. Essential workers without the option to work remotely have faced service disruptions—and there were already access and quality issues before. On top of that, most cities’ transit systems were designed to serve downtown commuters working nine-to-five jobs, which captures a fraction of the transit need, and is even more clear as city centers continue to be underused.

As in-person activities resume, transit agencies and planners will need to rebuild confidence in local transit systems. Ridership patterns before the pandemic—and what became standard during the pandemic—should not be the baseline for transportation planning going forward. 

Agile transit solutions are needed to allow for more flexible options outside a nine-to-five work schedule and to accommodate changing mobility needs and behaviors. Equitable transit is imperative to serve those who need it. Partnerships and collaboration with emerging transportation systems will enable transit agencies to be nimble and ensure fair access for all. Meanwhile, transit systems need to expand their capabilities by making immediate improvements in service and reliability, as well as committing to long-term investments. 

2. Technology is transforming communities. Planners will need to adapt to capture the benefits. In the last two decades, we have moved from an information age to a digital era. Today, advances in digital technology affect almost every aspect in life: how people live, work, play, and move around town; how businesses communicate with their customers; and even how people make decisions on what jobs to apply for, who to befriend, or who to go on a date with. Though this digital era started only two decades ago, it has been accelerating at an unprecedented pace.

The concept of “smart cities” is a logical consequence and a development of this era, prompting the digital transformation of entire cities and communities. It includes not just the operation of a city and related processes, systems, and communication streams, but also the processes planners use to make plans for a community, collect and use data, and implement their plans.

In this digital era, it is vital that planners learn about smart city concepts and how they can use smart tech to achieve community goals so their communities can benefit from them instead of being harmed by them. Adjusting planning processes to this digital environment and adding new tools, relevant skills, and knowledge to the planner’s repertoire will be crucial for planners to be able to continue creating great communities for all. (A forthcoming PAS Report on smart cities will help fill the knowledge gap, defining smart cities as those that equitably integrate community, nature, and technology and that foster innovation, participation, and co-creation. The report, due later this year, also will explain the role of the planner and identify necessary skills, methods, and approaches. Stay tuned!)

3. Artificial intelligence is on the rise, but the human factor in planning is still crucial. Artificial intelligence has been in development since the 1950s. However, because of the availability of big data and increased computing power, the AI market has grown substantially over the last decade and is expected to grow 20 percent annually over the next few years. While the data-based automated decision-making capabilities of AI will create myriad opportunities to improve current planning processes, data gaps and algorithmic bias pose the risk of exacerbating existing inequalities—and even creating new ones.

Planners and allied professionals should have a strong understanding of the potential impacts and benefits posed by AI on the profession and their communities. AI is already reshaping the local landscape, and it is important to understand how planners can use AI equitably and sustainably. Some important issues to consider are privacy concerns, data quality, and the potential bias of AI.

Additionally, it will be important to emphasize the human factor of planning. While AI will enable us to automate repetitive and tedious tasks such as traffic counts, checking boxes on a list, or certain permitting processes, it won’t be able to replace the human being behind the planner, the change agent who can connect with the individual community members, and the facilitator who can listen to people’s needs and concerns.

4. High and varied demand on public space will require a balancing act. More and more activities are vying for a limited amount of public space. Sidewalks aren’t just pedestrian paths to a destination anymore (but were they ever?). They are also hubs for outdoor dining and farmers markets. When streets are too dangerous and bike lanes are nowhere to be found, sidewalks accommodate scooter riders and bicyclists. Soon, they might even become a path for little robots making autonomous deliveries. Meanwhile, plazas and parks are sites for public gatherings—from protests to picnics to concerts. Roads might handle automobile traffic on weekdays, but during weekends or evenings, they could seamlessly reconfigure into “no car zones.” And curbs are especially in high demand, whether they are for parking cars and micromobility vehicles, dropping off transit or rideshare passengers, or serving as zones for traditional or last-mile autonomous delivery.

People are always going to find a way to creatively shape the public realm. Planners need to foster spaces that are adaptable and responsive to the different types of people who use them. The key focus for planners will be to ensure accessibility and minimize exclusion when balancing these activities. Every community wants bustling public spaces, but planners understand that this should not come at the expense of people’s well-being.

With multiple players, functions, and purposes, planners need to redefine what “shared streets” can mean. They especially need to advocate for the most vulnerable (and traditionally, least protected) people who need and deserve access to public space, such as people with disabilities and those experiencing homelessness.

5. Climate action will take center stage—and have greater urgency. The first 100 days of the Biden administration established a promising policy environment for climate change action at all levels. Now, it’s up to planning practitioners to advance (or initiate) climate-related projects and plans.

Local and state officials have undoubtedly been leading the push for climate action in recent years. With renewed commitment at the national level, they can breathe a little easier. But the situation still requires urgent action. As hundreds of scientists recently announced, this is not a climate crisis anymore; it’s a climate emergency.

Planners can take advantage of federal and state funding, tools, and incentives to implement climate change mitigation and adaptation activities. This might include reducing carbon emissions by investing in renewable energy or supporting the green economy.

State and local governments can also expect more opportunities to engage with federal policy makers and to represent their unique perspective on climate action. And even though COVID-19 recovery might be a top priority in the short-term, climate action is compatible with these activities and can’t be pushed off any longer.

6. Communities are more diverse than ever. So are their needs and experiences. The increase in population diversity requires new planning approaches that can reflect the realities of people across various identities, such as race, age, gender, ability, or religion. This demands that planners view people as more than neat and tidy population groups, but rather as fully realized individuals with unique experiences and needs.

Most practitioners already recognize that there is no one-size-fits-all approach to planning. But the profession also needs to start reconsidering the idea that planning is neutral.

Integrating the context and situation of a community when choosing effective practices and solutions can lead to more conscious, intentional planning. In other words, planning needs to be more dynamic—not neutral—in order to be ready for diversity in the communities that planners serve.

Practitioners should be able to quickly tailor planning solutions to the needs of the least supported, most vulnerable individuals in a community. By pursuing planning exercises that consider life at the individual level, the profession can be more mindful of those who exist at the intersection of multiple identities and how planning solutions might impact them. This can humanize the individuals within a community instead of assuming the experiences of population groups are homogenous, resulting in more dynamic planning with more equitable results.

7. The future of work and workplaces will impact how we use urban space. During the COVID-19 lockdown in the spring of 2020, more than 60 percent of the U.S. workforce was working from home, and many continue to do so. The pandemic has accelerated the digitalization of work. Meanwhile, companies are rethinking their office space needs and considering work-from-anywhere policies or hybrids that allow for smaller to no office space, which comes with significant cost savings. The shift from central business districts to a decentralized, work-from-anywhere approach could bring myriad opportunities to change how we use urban space for the better, if planners are ready.

Previously residential-only neighborhoods will have to accommodate their remotely working residents, adding retail, restaurants and coffee shops, parks, and other amenities typically adjacent to offices. For workers who don’t have the space for an office at home or simply don’t want to stay home all day, neighborhood coworking spaces will be needed. Homogenous places will shift to mixed-use, walkable neighborhoods that allow the community to socialize and connect with one another.

Vacant office and retail spaces can be repurposed to affordable housing or coliving and coworking spaces. Obsolete parking spaces can be converted into neighborhood parks. Creative thinking can lead to solutions to the housing crisis, as well as the mental health crisis that stems from extended isolation and other traumas experienced during COVID-19.

Ultimately, if jobs are not a reason to move to a city anymore, improved quality of life will become the main attraction. So planners may need to redefine what gets prioritized in their communities accordingly.

The world keeps turning and change stops for no one. That’s why APA Foresight is here. APA researchers, in partnership with the Lincoln Institute of Land Policy, are already preparing for our next cycle of trend research to help the profession learn with and prepare for an uncertain future. 

Cleveland native Frank G. Jackson, the city’s longest-serving mayor, has been an advocate for building equity and opportunity in this postindustrial city since taking office in 2006. Mayor Jackson is a lifelong resident of the Central neighborhood, where he began his career in elected office as a City Council member. He later served as City Council president.

A graduate of Cleveland Public Schools, Cuyahoga Community College, and Cleveland State University—from which he earned bachelor’s, master’s, and law degrees—Jackson began his public service career as an assistant city prosecutor in the Cleveland Municipal Court Clerk’s Office.

During his tenure as mayor, Jackson has focused on helping residents and businesses benefit from investments occurring in the city and advancing the Downtown Lakefront Development Plan. He also spearheaded Sustainable Cleveland 2019, a 10-year initiative designed to build a more sustainable regional economy, encourage sustainable business practices, and improve air and water quality in this former manufacturing hub.

Mayor Jackson recently spoke with Senior Fellow Anthony Flint as part of a series of conversations with mayors of cities that are especially significant to the history of the Lincoln Institute. The series is part of the organization’s 75th anniversary celebration. An edited transcript follows; the full interview, along with others in the series, is available as a Land Matters podcast.

Anthony Flint: When our founder, inventor and entrepreneur John C. Lincoln, got his start in the late 1800s, Cleveland was a booming place, arguably right up there with New York and Chicago, an incredible mix of innovation and jobs and homes and neighborhoods. Could you reflect on how that legacy has been on your mind as you’ve governed Cleveland over the last 15 years?

Frank Jackson: Well, it’s always good to know history, so you can put yourself in the right frame of mind and have perspective. Cleveland was a booming place, with the Rockefellers and the [economic successes] of the Industrial Revolution . . . we were ideally located in terms of our ability to be a hub and for the distribution of goods and materials throughout the Midwest. So we reflect back on those heydays, fully recognizing that what brought us to that moment is no longer here . . . and that there needs to be a relooking at where Cleveland is now and what could position Cleveland to be in a similar situation as a hub for economic opportunity and prosperity and quality of life.

AF: At the statue in Public Square, former Mayor Tom Johnson is shown seated with his hand on a copy of Progress and Poverty by Henry George. Cleveland is where John Lincoln first heard George speak. Why do you think Cleveland was so receptive to the ideas of George, who believed the value of land should belong to everyone?

FJ: I couldn’t tell you for sure, but as you know, the body takes its direction from its head . . . and I think Tom L. Johnson was a mayor with progressive thoughts and with the fortitude to execute and implement [ideas]. So he wasn’t just a conversationalist, he actually did things.

This transition that Cleveland was in then—fast-forward, and we’re in the same transitional kind of period. The Industrial Revolution produced a certain level of prosperity and wealth, but also produced a certain social condition . . . that I believe that progressive era was attempting to change to create more equitable outcomes.

I admit, I didn’t really study Mr. George’s philosophy. But what I do understand is this progressive notion of land use, and how land should not be controlled by a few entities that determine what happens. There should be broader input into what happens on that land.

AF: As the city has steadily emerged from a period of decline and population loss during the second half of the 20th century, what have been the critical elements of its regeneration? What catalysts are you most hopeful about?

FJ: Well, it’s how you position yourself, how does Cleveland position itself for the future . . . . I look at it as, how do we have a sustainable economy? How do we deliver goods and services and how do we get into sustainable industries [like electric vehicles] . . . all of this includes technology, all of it includes education, all of it includes research and development. All these things are inclusive of each other. So there’s not just one thing we can pick and say we’re going to do.

I think we need to go back to what Mr. George was talking about, and what Tom L. Johnson was trying to do, which is to say that [progress] is only sustainable if we have equity, and if we eliminate the disparities and inequities in the way our social, political, and economic systems function. And as you know, particularly around the social unrest these days, if we fail to address issues of classism and racism, then all our efforts will be doomed.

AF: Race and economic development are very much on every mayor’s mind these days, especially now that the pandemic has revealed so much entrenched inequity. What are some of the most effective ways Cleveland has addressed historic segregation and racial disparities?

FJ: Before I answer that, let me just say that whatever we have done is not sufficient, because all of these things are institutionalized . . . . We’ve gone to the point of declaring violence and poverty as a public health issue. We’ve gone to the point of establishing a new division in the Department of Health around social justice. We’re trying to institutionalize some things.

We have also attempted to work with our private sector partners to address inequities, disparity, and racism within their organizations, helping to have a better outcome in terms of contracting for goods and services with lending institutions—even though redlining is illegal, the actual practice of how investments are made and moneys are lent and developments occur is basically redlining. So we try to work with them to help them . . . be able to take a risk where they normally would not take a risk. That can only happen if you allow for wealth to occur among those who have traditionally been denied wealth. If you have leadership and career opportunities for those who had traditionally been denied those opportunities. So those are the kinds of things that we work on.

The real thing is what is the culture of Cleveland. How does Cleveland function, and what is its attitude toward these things. And that’s a behavioral thing that bureaucracy cannot really regulate.

AF: Can you tell us about recent zoning reform measures aimed at reducing barriers to housing production and other local economic activity? How important are these rules and regulations to regeneration, and how has Cleveland made innovative use of vacant and abandoned land?

FJ: As you know, land use is key . . . . We’re moving toward having zoning more aligned with people and multiple mobility, the kind of approaches where there’s bikes, cars, scooters, walking, jogging. In that context, trying to create that type of city, it’s very important to have zoning that will accommodate that and will accommodate it in a way that [minimizes conflict].

When I first came into government, there was no new housing development in Cleveland . . . . As a result of the negative impacts of federal and state policy around redlining and urban renewal and then the social impact of riots, [we had] acres and acres of vacant land in the central city, predominantly in African-American communities . . . . Mayor [Michael White, who led the city from 1990–2001] was really a genius in this regard. He worked with the financial institutions and developers to create a network of neighborhood nonprofits whose primary purpose was to redevelop land for housing and to redevelop land at all price ranges, that would make it affordable. I’m familiar with it because I was councilman of Central, where I still live, which probably had the most negative impacts.

We continue this effort today with Recovery Act money; we’re getting $511 million and we’re working with the private sector to develop tools. We’re not talking about a project or initiative, we’re developing tools. What we’re working on now to really connect all these dots . . . a lot of that has to do with land and with the availability of land, whether it’s lakefront land or empty office space downtown or warehouses, old industrial sites that need environmental cleanup. It’s not just housing, but also, how do we create entrepreneurship, commercial strips, retail strips that still have the bones—how do we bring them back and have ownership of goods and services being provided to the community by the people in that community or someone who looks like the people of that community?

AF: Well, if there’s one thing that Cleveland has, it’s good bones, right?

FJ: That’s exactly right. One of the things that culturally came out of that period that you talked about, the heyday of Cleveland, was Severance Hall [home of the Cleveland Orchestra], the museums, the whole University Circle area . . . . Now we’re trying to use old industrial sites and lakefront or riverfront property in a new way since it’s no longer used for commerce . . . [but] a freeway, railroad tracks, those kinds of things [are] almost impossible to remove, but they’re barriers. So how do you overcome those barriers? One of the things we’re looking at is a land bridge that would allow for green space and access to the riverfront, the lakefront, and with that to always have public access and not have private ownership of the waterfront.

AF: Sounds like there’s a lot of reimagining going on.

FJ: That’s the advantage to where Cleveland is now. To have a blank canvas, so to speak, gives us that opportunity. Now the question is whether or not we mess it up . . . . I’ve maintained that whatever we do, it will never be sustainable if we don’t address the underlying issues that are really the issues of America: institutionalized inequity, disparities, racism, and classism, which has a lot to do with land.

This interview is also available as an episode of the Land Matters podcast.

Anthony Flint is a senior fellow at the Lincoln Institute and a contributing editor to Land Lines. 

Photograph: Once an industrial powerhouse, Cleveland has had to reinvent itself after experiencing decades of economic decline during the 20th century. Credit: benkrut via iStock/Getty Images Plus.