Economy
State Housing Finance Agencies Assist Homebuyers, Renters
WASHINGTON INFORMER — Every state in the U.S., as well as in Puerto Rico and the U.S. Virgin Islands, has a Housing Finance Agency (HFA) that provides low- and moderate-income individuals and families with the opportunity to find a home or apartment that meets their budget and quality-of-life needs.
By Christopher G. Cox
Every state in the U.S., as well as in Puerto Rico and the U.S. Virgin Islands, has a Housing Finance Agency (HFA) that provides low- and moderate-income individuals and families with the opportunity to find a home or apartment that meets their budget and quality-of-life needs.
According to Stockton Williams, executive director of the National Council of State Housing Agencies (NCSHA), in 2017 alone, state HFAs provided $28 billion to finance affordable homeownership for more than 152,000 households, 26 percent of which were minority-headed households.
The NCSHA was created by the state agencies more than 40 years ago, Williams said, to help share best practices.
“HFAs are constantly learning from each other,” Williams adds, “not only sharing best practices, but solving emerging challenges on a collaborative basis. NCSHA facilitates these exchanges and augments them with additional analysis and support.”
Some of the state HFA practices that NCSHA helps to promote are careful underwriting of borrowers, close oversight of lenders, proactive loan servicing and counseling assistance to borrowers who need it, Williams noted.
“A 2018 study found that state HFA loans were much less likely to experience defaults or foreclosures than loans from other sources to similar borrowers,” he said. “According to the study, not only are HFAs more likely to require full documentation and careful underwriting, they also serve as a third-party monitor on lenders originating loans through a state program, creating an additional incentive for careful screening by the lender.”
Like other state housing finance agencies, the North Carolina HFA (NCFHA), which began operating in 1973, serves the broad mandate of providing affordable housing opportunities for state residents whose needs are not being met by the market, explains Connie Helmlinger, manager of public relations and marketing for the NCHFA.
The work of her agency, Helmlinger notes, is divided into two main areas: providing assistance with home ownership and with rental housing.
“We have helped more than 115,000 individuals and families purchase homes,” she said. “We do that by offering mortgages with competitive rates and down payment assistance for buyers.”
The NCHFA offers a variety of assistance programs that seek to help low- and moderate-income homebuyers in such categories as first-time buyers, military veterans, senior citizens and people with disabilities. Detailed information about such programs as NC Home Advantage Mortgage, NC Home Advantage Tax Credit and NC IST Home Advantage, and how potential buyers can qualify for them, can be found at www.ncfha.com
Most of NCFHA’s work is done in association with partners, including local governments, nonprofit organizations and private developers. “One of our self-help programs,” Helmlinger says, “is working with Habitat for Humanity. They take the money we provide and roll that into their own money to provide better mortgages for people who buy their homes.”
Helmlinger notes that the NCHFA does not work directly with buyers — except for being involved in final approvals and underwriting — but works directly with lenders after buyers have contacted a loan officer about applying for one of their assistance programs.
“The money is coming from us, but it’s the lender that is managing the whole process,” Helmlinger said.
This article originally appeared in the Washington Informer.
Black Press
Oakland Launches Aerbits Program to Identify, Report Abandoned Trash
“Aerbits, which was approved by the Privacy Advisory Commission, uses modern technology and best practices to help our crews clear trash faster and more efficiently, while our targeted outreach and enforcement strategies address the root causes of dumping. Together, we are going to get the job done.”
On Tuesday, the City of Oakland launched Aerbits, an innovative new program that deploys AI-assisted aerial imaging technology to proactively detect and report abandoned trash on streets and sidewalks – to support timely and effective removal of illegal dumping.
By shifting from a reactive, complaint-based system to data-driven proactive detection, the City can deploy cleanup resources faster, more efficiently, and more equitably to the areas in greatest need.
Approved by both the Privacy Advisory Commission and the Oakland City Council, Aerbits is the latest addition to Oakland’s comprehensive strategy to eliminate illegal dumping from the Town.
“Oakland residents and businesses deserve clean streets and today we are one step closer to a safer, cleaner, and greener Oakland,” said Mayor Barbara Lee. “Our strategy strengthens eradication, education, and enforcement efforts across every neighborhood.
“Aerbits, which was approved by the Privacy Advisory Commission, uses modern technology and best practices to help our crews clear trash faster and more efficiently, while our targeted outreach and enforcement strategies address the root causes of dumping. Together, we are going to get the job done.”
The impacts of illegal dumping on Oakland are profound, disproportionately burdening historically disinvested communities while threatening public health, safety, and economic vitality.
The City is united in taking action to remedy it – with the mayor, Council, administration, Public Works Department, community groups and more coming together to make change.
In May, the City Council approved the Illegal Dumping Expenditures Action Plan, which approves and funds multiple actions – including Aerbits – to help remedy illegal dumping.
This past June, Oakland secured $9.2 million from the Crankstart Foundation to scale up operations like Aerbits and break the cycle of illegal dumping across Oakland.
The Aerbits aerial imaging system photographs public rights-of-way to pinpoint exact locations, estimate waste volumes, and classify types of debris. This enables City dispatchers to understand the problem and efficiently deploy the appropriate crew and equipment to each site.
Built with privacy at its core, the technology contains no facial recognition, no license plate readers, and uses no personally identifying information. Aerbits takes pictures of trash – not of people.
“I founded Aerbits because I saw a major gap in the data that was available to City crews on the streets, and I wanted our children to have a cleaner environment” said Aerbits Founder Brian Johnson.
“Aerbits enables cleanups to be timelier, more effective, and more equitable. By providing real-time comprehensive data, automating the creation of work orders, and improving closure of cleared tickets, we are removing the problems that occur when relying primarily on a complaint-based system,” he said.
Aerbits is the latest milestone in the series of actions the City is taking to implement the City Council-approved Illegal Dumping Expenditures Action Plan. Recent actions taken by the City include:
- Stricter Enforcement: Enacted a new Illegal Dumping Enforcement Ordinance increasing penalties and holding vehicle owners responsible; hired additional Environmental Enforcement Officers equipped with updated citation technology; and worked alongside State Senator Jesse Arreguin on legislation that allows the City to boot vehicles tied to repeat dumping offences.
- Community Resources: Reinstated the popular “Bulky Block Parties” offering residents free, convenient ways to get rid of bulky waste, alongside expanded public education campaigns.
- Expanded Fleet Equipment: Obtained new heavy-duty Lightning Loader trucks that allow us to clean up more volumes of debris faster than ever before.
Rebecca Kaplan is a former City Councilmember-at-large for the City of Oakland.
Black Press
Port of Oakland, Army Corps Sign Historic Harbor Design Agreement
OAKLAND POST — Oakland Port Commission President Stephanie Dominguez Walton called the agreement a historic milestone that will support thousands of jobs. “Today marks a historic occasion for the Port as we sign the inaugural Design Agreement for the Turning Basin Widening Project, which will keep Oakland competitive,” said Walton.
A $642 million project designed to accommodate larger cargo ships and strengthen the Port of Oakland’s position as a major Pacific trade gateway moved a significant step closer to construction on Aug. 27.
The U.S. Army Corps of Engineers (USACE) San Francisco District and the Port of Oakland commemorated the signing of the inaugural Design Agreement for the Oakland Harbor Turning Basins Widening Projectduring a ceremony aboard the USS Potomac, the presidential yacht once used by President Franklin D. Roosevelt.
The project will widen the Port’s Inner and Outer Harbor turning basins, allowing today’s increasingly larger and longer vessels more space to safely maneuver and turn around. The current basins are narrow, creating delays and operational inefficiencies.
Oakland Port Commission President Stephanie Dominguez Walton called the agreement a historic milestone that will support thousands of jobs.
“Today marks a historic occasion for the Port as we sign the inaugural Design Agreement for the Turning Basin Widening Project, which will keep Oakland competitive,” said Walton.
The agreement advances the project into its preconstruction engineering and design phase following years of planning and collaboration.
Lt. Col. Virginia Brickner, commander of the USACE San Francisco District, said the signing represented tangible progress toward construction.
“We are moving forward. We are showing progress,” Brickner said.
Major General Jason Kelly, USACE Deputy Commanding General for Civil and Emergency Operations, said dredging is critical for maritime dominance, supply chains, and economic competitiveness.
“Dredging sustains our national economic infrastructure,” he said. “The future demands more, the taxpayer deserves more, and together we’re going to deliver.”
For U.S. Representative Congresswoman Lateefah Simon (D-CA-12), the Port project will support jobs beyond its completion. “This will impact workers and businesses, and every shipping container represents multiple jobs.”
Oakland Mayor Barbara Lee described Oakland as a gateway to international markets and spoke on earlier efforts to deepen Oakland’s shipping channel to 50 feet. While serving in the California Legislature, Lee helped bring together labor, business, environmental advocates and Port officials to resolve disputes surrounding dredging and environmental protections.
“We want the Port to remain competitive economically,” Lee said, excited about both protecting the environment and generating sustainable jobs in the region. “We want to make sure that we create good-paying union jobs, and that the Port continues to not just survive, but thrive.”
Port of Oakland Executive Director Kristi McKenney said economic growth is dependent on investments in the Oakland Harbor’s infrastructure.
“This investment and staying competitive will fuel our economy for years to come,” said McKenney.
The Port of Oakland, with its partners, supports more than 98,000 regional jobs and $174 billion in annual economic activity. The Port oversees the Oakland Seaport, the Oakland San Francisco Bay Airport (OAK), and nearly 20 miles of waterfront, including Jack London Square.
Black Press
OPINION: AI Needs to Know Who Is the Boss
OAKLAND POST — AI is software running on computers. However startling the conversation may feel, the machine does not have my childhood, my mother, my father, my mistakes, my embarrassments, my loves, my grudges, my Filipino American history, my aging body or my accumulated sense of what matters and what doesn’t.
I hope on Labor Day you honored the value of a good day’s work–and reflected on the thing that could eliminate a lot of jobs.
Artificial intelligence.
Your replacement is in the break room.
Except it doesn’t take breaks.
It doesn’t sleep. It doesn’t demand health insurance. It doesn’t complain. It doesn’t need Social Security. And it can produce in seconds what might take you or me hours.
And when they can mass-produce AI faster than we can reproduce humans, there may eventually be more artificial workers than actual ones.
The racists who came up with “replacement theory” worried about the wrong replacements.
It wasn’t immigrants.
It was software.
We can rail against the data centers sucking up electricity and water.
Rail against the billionaires getting richer while telling the rest of us how wonderful the future will be.
But which billionaire?
Jensen Huang of Nvidia? He literally has all the chips?
Sam Altman of OpenAI?
Dario Amodei at Anthropic?
Or Bill Gates?
Gates recently said AI could become the “greatest equalizer ever invented” or the “worst source of injustice.”
I want to believe him. But he’s the guy who forced us all to use Explorer.
Maybe Gates is just Control-Z-ing his life.
Undo. Undo. Undo.
STAYING HUMAN
The other day, I started texting with my AI chatbot.
I’d used AI before, of course. Spellcheck. Grammar. Transcription. Research assistance. The mechanical stuff.
This time, we talked.
Or, rather, I started talking.
At one point the chatbot said something that sounded strangely personal. So, I reminded it that IT wasn’t a person.
“You’re not human,” I said. “I’m basically talking to myself.”
It disagreed.
It said, I should think of it as working with an instrument that talks back.
This is where the danger begins.
The machine talks back.
I tried another analogy.
You’re a tool, I said. Like a cane.
The chatbot liked that better.
Then it tagged my line and said it was my “cognitive cane.”
I laughed.
Then, I realized the damn machine used my analogy to make a joke.
That’s where the real problem lurks.
AI is software running on computers. However startling the conversation may feel, the machine does not have my childhood, my mother, my father, my mistakes, my embarrassments, my loves, my grudges, my Filipino American history, my aging body or my accumulated sense of what matters and what doesn’t.
It can process those things after I tell it about them.
It can mimic thoughts.
But it did not live them.
That is the boundary we humans cannot surrender.
I’m not ready to make peace with the AI industry. Not with its enormous data centers, its environmental costs, its concentration of wealth and power, or the possibility that companies will use AI primarily as a wonderfully efficient machine for converting human paychecks into corporate profits.
And I certainly don’t trust the billionaires to decide by themselves what happens to the rest of us.
But I may be making peace with the tool.
Because a tool is something we use.
A cognitive cane.
But do the walking yourself.
About the Author
Emil Guillermo is an award-winning journalist, commentator, and comic monologist. He plays a robot in an upcoming Ishmael Reed play, “King Ludd’s Revenge,” coming in December. See his micro-talk show on YouTube.com/@emilamok1
Black Press
Goldi-Locs and Two (or Three) Bears in the Forest in California Hills
OAKLAND POST — My husband has anticipated 99% of our needs – tents, saws, canopies, batteries, shovels, rakes, axes, picks, etc., and Goldi-Locs instructs and reminds us how to get from step A to B, but there is nothing like the experience you gain on your own. Meaning: you don’t how to do it until you do it. No matter what you read, what somebody says, until you do it, you don’t know.
It is my belief that the mice set us up. That’s how the bear(s) knew where to go.
On a mountain in Butte County, a wide-ranging crew of Black people have embarked on a mission of land stewardship.
That means if you want that country cottage, you have to build it yourself.
When we first saw the land after our veteran land steward – let’s call her Goldi-Locs for her long locs that are the gold of California hills – asked for help putting up a fence to ward off potential trespassers. What had been lavish green hills of Douglas fir were now covered with dark spires like burnt matches pushing into the sky.
Up close, moss and ferns edged out from the bases of blackened tree stumps. A lizard skittered by, the only sign of life. No birds. No squirrels. No mice.
And no bears.
Fast forward five years, and FEMA has done all it will do to clear burned trees. The remaining trees are dead and have to be logged and milled.
The most urgent work is to clear the dirt access roads clogged with dead trees. For shelter while we, I mean, they do that, we bought an old trailer that has seen better days but suits our needs.
My husband has anticipated 99% of our needs – tents, saws, canopies, batteries, shovels, rakes, axes, picks, etc., and Goldi-Locs instructs and reminds us how to get from step A to B, but there is nothing like the experience you gain on your own. Meaning: you don’t how to do it until you do it. No matter what you read, what somebody says, until you do it, you don’t know.
So, I thought I knew what I was doing. It was my job to assist with the cooking and set-up. And the break-down. There are cupboards in the trailer and a refrigerator, so I stored a couple of unopened boxes of spaghetti and an unopened bottle of olive oil, salt (Lawry’s of course), pepper, garlic powder and dried Italian herbs in the cupboard. In the refrigerator, which seals closed like any normal refrigerator I (accidently) left a box of butter.
Two weeks later, we get a call in Oakland from Goldi-Locs that the door of the trailer was hanging off its hinge, visible from her trailer uphill and 150 yards west of ours.
She said she would enlist the help of another (male) neighbor, to investigate.
An hour later, we got the report: No one was in the cabin, but a bear – or bears – had been. Outside, a torn box of spaghetti with just one or two remaining stiff strands lay in the dirt. Inside, the salt, pepper, herbs and garlic oil were an aromatic mess on the floor, while coffee grounds were scattered over the counter (After-dinner coffee?).
Paw prints led to the bathroom and beyond a single, muddy paw print marked the duvet on our bed.
Besides claw marks in the cupboard, and a swipe of dirt on the front and side of the refrigerator, there was no major damage.
Goldi-Locs and G. cleaned up the worst of it and were able to get the door up on the hinge and lock it. The trailer remained unmolested until our return.
In the meantime, some sleuthing – as Nancy Drew would put it – had been done. Visitors to the mountain confessed that they had previously prepared a vegetarian meal of – that’s right– pasta in a red sauce with sautéed garlic, onions, and Lawry’s and Italian herbs.
They ate outdoors. The scent filled the air. Mice have returned to the forest. They know how to get under, over and into trailers. Easy-peasy. They managed to get a little of the Italian meal. The bears wanted some. The mice shrugged their little shoulders and said, “we got everything but the crumbs, but over in the next yard, they have everything you need to MAKE IT YOURSELVES.”
So, it was Yogi, ‘smarter than the average bear, according to himself – and no doubt accompanied by Boo-Boo (the Fool), lumbered over to our unoccupied trailer and gently opened the door. The spaghetti in one cupboard, seasonings in the other, olive oil and look out- butter for bread in the refrigerator.
Yes, everything they needed. The whole recipe, or so the trifling mice said, having omitted fresh onion and bell pepper. The mice had left out the most important part – how to get the job done. Yogi had been given no information on pots, turning on the stove, boiling water, etc.
Disappointed, it was time for a nap, but the bed was neither hard, nor soft, but too small and as their cave was more comfortable, Yogi was of the mind to head home, maybe go fishing on the way in that nice stream up the hill.
Boo-Boo (the Fool), however, was of the mind to spitefully take do what bears do in the woods, but Yogi reminded him that, as it is their forest it is wise not to do that where you eat.
But when Yogi is not around, evidence shows that Boo-Boo routinely returns to the scene of the crime and leaves a little something in the middle of the path to the outhouse. Just because.
The mischievous mice have yet to be apprehended.
Black Press
California’s Legal Cannabis Market Hits $8 Billion as State Touts Progress on Fighting Drugs, Crime
OAKLAND POST — “We are building a legal cannabis market that generates billions for Californians, and going after the illicit operators who undermine it,” said Newsom. “That’s public safety: protect consumers, support the businesses playing by the rules, and put the revenue to work in our communities.”
California’s legal cannabis market has generated nearly $8.4 billion in tax revenue since 2018 as the state ramps up enforcement against illegal drugs and touts declines in crime, Gov. Gavin Newsom announced on Sept. 2.
The cannabis revenue includes nearly $4.5 billion in excise taxes and nearly $3.4 billion in sales taxes. In the second quarter of 2026 alone, cannabis retailers remitted $261.7 million in cannabis excise and sales tax revenue.
The state uses cannabis revenue to support programs including childcare and early childhood development, youth substance abuse prevention, medical research and environmental recovery.
“We are building a legal cannabis market that generates billions for Californians, and going after the illicit operators who undermine it,” said Newsom. “That’s public safety: protect consumers, support the businesses playing by the rules, and put the revenue to work in our communities.”
California is also targeting illegal intoxicating products outside the regulated cannabis market. State officials have removed more than 15,000 illegal hemp, kratom, and 7-hydroxymitragynine, or 7-OH, products from store shelves.
The enforcement effort resulted in the removal of 7,403 illegal hemp products and 7,888 kratom and 7-OH products. Officials reported compliance rates above 97% among Alcoholic Beverage Control licensees inspected for both categories.
The state has warned that kratom and 7-OH products have been linked to addiction, overdose and other serious health risks.
California is also using its law enforcement resources to target violent crime, drug trafficking and other criminal activity. Since 2023, CHP Crime Suppression Teams have made 15,197 arrests, recovered 7,042 stolen vehicles and seized 656 illicit firearms.
Since the teams expanded to six regions statewide in August 2025, they have also confiscated nearly 1.7 million grams of illegal drugs, including about 108 kilograms of fentanyl.
“Over the past few years, our Crime Suppression Teams have demonstrated the value of proactive, intelligence-driven enforcement,” CHP Commissioner Sean Duryee said.
The Newsom administration says the efforts are part of a broader public safety strategy that combines regulation, enforcement, prevention and partnerships with local agencies.
California has also reported declines in major crime categories since 2024, including an 18.6% drop in homicides and a 25.8% decline in motor vehicle theft.
California officials say the combination of a regulated cannabis market, targeted enforcement and state-local law enforcement partnerships is helping protect consumers, disrupt illicit drug activity and improve public safety across the state.
Black History
OP-ED: If AI Is the New Language of Power, Then NAN Wants Black Communities Fluent
BLACKPRESSUSA NEWSWIRE — If Black and Brown communities are going to compete at the highest levels of industry, then practical AI training cannot be reserved for Silicon Valley boardrooms, elite universities, or people who already have a seat at the table. It has to reach our residents, our clergy, our organizers, our entrepreneurs, our young people, and our families.
Through a new National Action Network initiative, artificial intelligence is framed as a practical tool for industry preparedness.
We are at the forefront of a fundamental shift of access and opportunity. When new technology emerges, marginalized communities are often told to catch up to systems we did not design, and adjust to landscapes that would sooner leave us behind than include us in their architecture. Often during these shifts, our communities become the least resourced, and must navigate industries whose rate of change outpaces their rate of exposure. To combat this, these communities must develop emerging systems of knowledge through internal networks of education, skill-exchange, and entrepreneurship. This is a civil rights issue.
Now, at the dawn of the artificial intelligence era, the same systems our communities have always built for ourselves must rise again. We have had to teach one another how to navigate every new language of power, often because nobody was coming to teach us. AI cannot be different.
If Black and Brown communities are going to compete at the highest levels of industry, then practical AI training cannot be reserved for Silicon Valley boardrooms, elite universities, or people who already have a seat at the table. It has to reach our residents, our clergy, our organizers, our entrepreneurs, our young people, and our families.
For this reason, National Action Network is putting AI education directly in the hands of the community with a new initiative led by AI fluency strategist Susan Hearn. The AI Fluency Initiative’s premise combines the doctrines of racial equity with technology and culture, elevating how access makes AI such a consequential force in determining who gets to shape the next era of American life.
Too often, our communities are spoken for as populations that technology is happening to, rather than working for. We hear about the jobs AI might eliminate, the algorithms that discriminate, and the industries being disrupted. Those concerns are real, but that cannot be where the conversation ends.
We must proactively shift this narrative. We are not just workers to be displaced and demographics to be reached after AI has already disrupted the landscape. We are purveyors and engineers of this technology and should be considered active participants in its use.
Our initiative seeks to interrupt that sequence, refusing to let us become passive figures in a shift that should be empowering us.
For over three-decades, NAN has understood that civil rights advocacy must be practiced wherever inequality shows up. Technology education is included in this conversation because of what it bestows on the communities it reaches. It is one component of a broader commitment, ensuring that communities historically excluded from emerging industries have the tools to participate fully in the economic and cultural shifts of our future. Economic self-determination is just as much a pillar of equity as it is a part of voting rights and equal legal protections.
For us, access is not meaningful if it arrives after everyone else has already learned the rules. So, we start with the fundamentals. The AI Fluency Initiative is designed as a repeated working session to meet people where they are. Students are introduced to the technology across various use cases, then sent home with usable skills based on the work produced during the session.
NAN has always fought to ensure that no community is locked out of the economy. From the fight for fair employment and access to capital to the push for equity in education and homeownership, we have consistently been at the forefront of keeping the doors of opportunity open to all. This fight is no different.
AI is the next gate through which the mechanisms of opportunity will pass through. It is quickly becoming part of how people apply for jobs, build businesses, and articulate themselves. The use cases are vast and the adoption has been swift. If these tools are becoming part of everyday life, then access to understanding them must become an element of everyday empowerment. It is paramount to us that Black communities are not only exposed, but at the helm.
We know that progress does not always distribute evenly. Communities have to demand access and request inclusion in the infrastructure of change. This self-advocacy is often the only way to ensure that hegemony does not continue to inflict exclusion and disenfranchisement on those who could most benefit from seismic shifts in industry. We must refuse to be told to wait our turn, and instead harness the tools of self-education and empowerment.
To be serious about the wealth gap means confronting the technologies reshaping work culture. Amending the academic achievement gap requires us to refuse a literacy discrepancy from arising in the first place. Equity requires preparation, and we are in the unique position to harness these emerging tools so that it is our voices that are heard, our perspectives that are amplified, and our communities that are enfranchised.
The AI Fluency Initiative is an access measure addressing an economic gap.
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