“The banks of this country are remote from the people and the people regard them as not belonging to them but as belonging to some power hostile to them.”

I started my March 15, 2015 blog with this quote. I first acknowledged that it was not a quote from US Senator Elizabeth Warren; but it could be. It is from a 1908 keynote address to the American Bankers Association by Woodrow Wilson.

Now in the last month, Senator Warren @SenWarren has awakened my imagination to the possibility of electing a President who is an affordable housing advocate, not a luxury developer. She has introduced legislation, titled the American Housing and Economic Mobility Act, which takes aim at segregation, redlining, restrictive zoning, and the loss of equity by low-income homeowners.

The Atlantic article by Madeleine Carlisle on September 25th describes it as “perhaps the most far-reaching assault on housing segregation since the 1968 Fair Housing Act. It’s ambitious, pouring half a trillion dollars over 10 years into affordable-housing programs.”

Warren’s bill would strengthen anti-discrimination laws by expanding Fair Housing Act protections to include gender identity, sexual orientation, marital status, and source of income, attempting to limit housing segregation in the future. It will authorize more enforcement mechanisms for the federal Community Reinvestment Act [CRA] and expand it to include credit unions and nonbank mortgage companies.

Meanwhile, the Trump Administration has started the comment clock on its efforts to strip “community” out of a law that’s supposed to strengthen America’s communities. A New York Times Op-Ed on August 28th by Jesse Van Tol, chief executive of the National Community Reinvestment Coalition [NCRC], ran with the headline: “A Green Light for Banks to Start ‘Redlining’ Again.”

The Community Reinvestment Act [CRA] was passed in 1977 to end “redlining” by requiring banks to lend money in the communities where they are chartered to do business or receive deposits. According to NCRC calculations, banks have made nearly $2 trillion in small-business and community development loans since 1996 to meet CRA requirements.

NCRC members 5th3rd & Huntington MAR 2017

NCRC members announce community lending agreements with Fifth Third & Huntington banks March 2017

This impressive record is now at risk of being turned into a math formula, which would make CRA exams considerably less effective in evaluating how banks are responding to local needs in metropolitan and rural counties. One ratio cannot tell an examiner, a bank, a mayor, or a member of the public how responsive a bank is to its various local service areas.

If CRA exams award points for financing or activities that do not address lack of access to banking or community development needs in lower income areas, then CRA will be less effective in channeling resources to the very communities that were the rationale for its passage. Coupled with an expansion of the kinds of activities that could count as “community lending,” it could allow banks to make fewer loans in poorer urban, suburban and rural communities.

Ignoring the lens of “equitable development,” it could accentuate CRA credit for loans to luxury and market-rate housing in economically and racially diverse communities that will only further real estate speculation, displacement and the lack of affordable housing for those Americans who should benefit from CRA lending.

Comments to these proposals to weaken CRA must be submitted on or before November 19, 2018. For more info, including instructions on how to submit your comment go to: 

Reinvesting in communities can make America’s economy great for all. At a time when power is again becoming hostile, we must Treasure CRA in order to pursue a Just Economy.



My first blog was in August 2014: DOES ANYONE HAVE BONO’S CELL NUMBER? Unfortunately, no one did, so I “Still Haven’t Found What I’m Looking For.

My first year of blogging, I did so weekly and Blog #52 offered a Top 10 retrospective of that year: BLOGGING FOR JUSTICE OVER A YEAR’S WORTH OF SEEKING.

Looking back on the last three years of monthly blogging, there have been many renewed calls for justice and sorrowful farewells to warriors who have left us.
Reviewing my last 36 blogs, I’ll limit this anniversary reflection to my ToP 5.

#5 HAPPENING HERE? – January 2017: Comparing Trump’s inauguration to my alternative history, envisioning the inaugural speech that President Robert F. Kennedy could have delivered in January 1969.

#4 WAIT, WAIT… DON’T TELL ME… REDLINING LIVES? – February 2018: Anticipating that all Trump financial regulators will be “bluffing” when it comes to enforcing the Community Reinvestment Act [CRA] and that building local economies and encouraging racial and economic diversity will be regarded by Trump as “Not My Job!”

#3 MAKING PEACE…RESPECTING DIVERSITY – March 2017: Remembering my June 1996 visit to Belfast as a member of a delegation convened by Senator George Mitchell, who noted:  “When I first came here, people on both sides of what is ironically called the peace line told me, without any rehearsal, exactly the same thing – that there was direct correlation between the level of violence and unemployment.” Hume quote

#2 HEEDING A WARNING TO HUMANITY – October 2017: Observations from my tour of Auschwitz in Poland as a place forever to be “a cry of despair and a warning to humanity.”Auschwitz Plague

For those who know me, I’m sure you beginning to guess that there was a life-time moment for me on November 2, 2016 that is the #1 blog: GOING ALL THE WAY… CUBS WIN!! CUBS WIN!!

It’s still unclear how the Cubs will fare this Fall. I’m rooting for a Cubs / Red Sox World Series. Our political landscape remains hazy. Perhaps, a blue wave will reclaim the House & Senate. Chicago faces a Mayoral Election next year for its very soul and future opportunities for all.

As I pledge to keep blogging in the months ahead, it’s only appropriate to add another song from Bruce to the U2Cando playlist. I look forward to meeting you in a land of hope and dreams. U2Cando!

Well, I will provide for you
And I’ll stand by your side
You’ll need a good companion now
For this part of the ride
Leave behind your sorrows
Let this day be the last
Tomorrow there’ll be sunshine
And all this darkness past
Big wheels roll through fields
Where sunlight streams
Oh meet me in a land of hope and dreams
— Bruce Springsteen


“People have been lied to and cheated. People have been systematically denied their right to control decisions that affect their lives and their communities.”
–Studs Terkel quoting Gale Cincotta during July 7, 1977 interview

This is not my first blog to be influenced by a sermon of Fr. Ed Foley, from the Catholic Theological Union. One homily back in May 2014 especially resonated with me when he encouraged the congregation to be “Traders in Hope.” This inspired me to post a series of blogs about my community development colleagues who could add that title to their LinkedIn profiles. More recently on Sunday July 8th this year, Fr. Foley offered two additional job descriptions which are timely positions to be filled for today’s challenges and an appropriate title for this blog.

That same Sunday afternoon, I attended a presentation at our favorite independent book store, City Lit, by the archivist for the Studs Terkel Radio Archives. Studs ArchivesThen later that evening, I searched the site and found Studs’ interview 41 years and a day ago with the “Warrior for Truth and the Prophet of Virtuous Action” who shaped my life and vocation, Gale Cincotta.

Not only was it great to hear Gale’s voice again, it was especially relevant to hear Studs quote above the essence of Gale’s call to action over four decades ago. In the interview Gale reminds us even today: “Getting people to realize that they can exert control of their own lives is what it is all about.”

Gale Cincotta

Gale Cincotta Reclaims America October 13, 1980

Gale went on to discuss with Studs the “sense of Power, sense of being” when people act together. My first memory of Gale goes back to the spring of 1973 as she addressed a school hall filled of African-Americans, ethnic whites, and Latinos from communities across the country, which were all inundated by racial steering for profit. She would call out the truth today as affordable housing remains plagued by developer greed and racial segregation.

On July 9, 2018, the Chicago Tribune ran an editorial, Growth vs. Affordability — Neighborhoods Need Both, referencing a Tribune story that discovered: “in gentrifying neighborhoods where affordable housing is most needed, fees paid by developers to fund housing at below-market rates get diverted elsewhere.” The editorial concludes that a pilot program should be expanded to more gentrifying communities to eliminate the buy-out option and ensure that if developers are going to build in these neighborhoods, “they’ll have no choice but to include affordable housing in their plans.” My comment is absent such a timely policy shift, the City of Chicago and other US cities are fostering continued racial and economic segregation.

For those who would protest such governmental action would be market interference, a history lesson can be learned from Studs’ and Gale’s 1977 conversation. Studs asks if Chicago’s posh Lincoln Park had a plan to move out its low-income population. Gale answered by noting that 55% of Chicago’s federal HUD loans went to Lincoln Park’s more affluent instead of where they were supposed to go to assist low- and moderate-income Chicago residents and communities.

Warriors for Truth and Prophets of Virtuous Action needed even more now 41 years later. Applications welcomed!



“Hygge (pronounced ‘hue-gah’) is a quality of presence and an experience of belonging and togetherness…. Hygge is an experience of selfhood in communion with people and places that anchors and affirms us, gives us courage and consolation…. Hygge is a feeling of engagement and relatedness, of belonging to the moment and to each other. Hygge is a sense of abundance and contentment. Hygge is about being not having.” – Louisa Thomsen Brits, The Book of Hygge: The Danish Art of Living Well.”

There I was on my Scandinavian vacation, when I discovered my hygge in a Copenhagen bookstore. With my community development perspective, I embraced it not only as cozy comfortable life style options but as a socio-economic-political paradigm. DSCN4326 (2)I remembered my own hygge moments of watching sunsets and reading in the shade of my backyard. But as previous U2Cando blogs bear witness our country is in dire need of cultural enhancements through better hygge.

Encounters not only in Denmark but also in Norway and Sweden affirmed that while citizens of these countries pay (and complain about paying) exceptionally high taxes, they do so as individual contributions to the common good. A “hygge” tax policy that efficiently supports and facilitates the opportunity for all to enjoy wellbeing.

In Stavanger, Norway, I learned at its Oil Museum about Norway’s Sovereign Wealth Fund to assure that its citizens benefited from the exploitation of their natural resources. Established in 1990 to invest surplus revenues [mainly from taxes on oil companies and payments for licenses to explore for oil], it now has over $1 trillion [US dollars] in assets, making it the world’s largest sovereign wealth fund. In May 2018, those assets were worth about $195,000 per Norwegian citizen.

DSCN4153 (2)

Outside the Nobel Peace Prize Museum in Oslo

Visiting Oslo, Norway, I reflected on how my career vocation was shaped in college by reading The Structure of Freedom by Christian Bay. His 1959 University of Oslo PhD dissertation was a study of the quest for freedom. I had the personal privilege of studying with Bay at the University of Toronto in the winter of 1973 for my Master’s degree research. His imperative that politics should be the profession of serving human needs not wants remains my mantra and remarkably relevant today. It seems to be a core “hygge” value.


“To hygge is to build sanctuary. The most basic security that we can provide each other is shelter – physical and psychological…. Ideally buildings and cities would be designed with our enduring human needs in mind.”

That’s a good summary of equitable development and the urgency of my current efforts in Chicago’s Uptown community. I was especially pleased and inspired to read Louisa Thomsen Brits’ final note in her book:

“Hygge is dependent on having our most basic human needs met. Without security and shelter it’s hard to survive. For every copy of this book bought a donation will be made by the author to a charity in support of the homeless.”

Sure glad I bought her book and not the more popular book profiled on the Today Show in March 2017 as a cute trend.




“Surely we can learn, at least, to look at those around us as fellow men and women. Surely we can begin to work a little harder to bind up the wounds among us and to become in our hearts brothers and sisters, countrymen and countrywomen once again.”  — Robert F. Kennedy, April 5, 1968

I went to sleep the night of June 5, 1968 having watched the projected returns from the California Democratic Primary. Having completed my college freshmen year, I dreamt that night about the changes coming and what they might mean for me.

Earlier that April, perhaps the same date that RFK sounded the call above, flying home for Spring Break, I observed the west side of Chicago, my hometown, in flames after Dr. King’s assassination. How could I have known then how quickly tragedy would strike two months later?

I would still spend another year in ROTC but the questions that Bobby Kennedy was raising about the Vietnam War were already resonating with me.


His calls to combat poverty and embrace civil rights were an awakening that six years later would become my 44-year vocation for equitable community development.

I did not foresee all those changes ahead for me, let alone our country, the morning of June 6th when I arose to learn of his assassination. Yet, I was profoundly moved to search for meaning and new ways to serve my country and my brothers and sisters.

This is not the first time I have used this RFK quote from his “Mindless Menace of Violence” speech in Cleveland the morning after Dr. King’s assassination. I did so in a blog after Trump’s inauguration speech. In my alternative history, I envisioned these simple words as the core value message of the inaugural speech that President Robert F. Kennedy could have delivered in January 1969. Given the continued onslaught of hate tweets, they should be considered imperative for the duration of the Trump Administration.

Binding the wounds will be a challenging task. Conversations are a start but underlying contradictions are pervasive obstacles to even approach the beginning of consensus. Demonstrating the possible is an appropriate response. But that too is no easy initiative.

Here at the Institute of Cultural Affairs [ICA] we have launched a new series of Conversations on Social Justice. The first topic was Immigration Reform. Hearing from the opening panelists on the urgency of their respective initiatives, it remains incomprehensible to me that a country founded by immigrants can’t reconcile welcoming policies and practices.

Future topics such as addressing homelessness and assuring equitable development implore action plans not only locally here in Chicago but also nationally and internationally. When designing for change, we must imagine a better world as Bobby did 50 years ago.




Apparently this question is a no-brainer for the current EPA administrator. If you also don’t support gun reform, you should be prudent. Perhaps, being paranoid is actually wise just in case time travel becomes possible for a really, really Green California Governor from the future to return to the present to avenge the destruction of Earth by terminating (and I don’t mean firing) Scott Pruitt.

This past week, NPR asked an environmental analyst what is Pruitt’s most egregious action. He didn’t know which to pick first. On the policy front, I can’t decide between the recent proposed rollback of regulations to cut planet-threatening vehicle emissions or on-going efforts to overturn the Clean Power Plan. Among his security obsessions, I put the bulletproof vehicle second to the installation of a $43,000 soundproof phone booth for Pruitt’s office. Makes you wonder who he is talking to.

This past week, PBS’ Nova series premiered “Decoding the Weather Machine.” One segment focused on evangelical meteorologist Paul Douglas on how Faith and climate science are not at odds. Of course, he’s from Minnesota not Oklahoma so what does he know about the weather. The show did reflect on Hope as well and that’s what I offer this Earth Day.

UEC Book CoverEarlier this month, I had the opportunity to meet Ken Leinbach who has grown Milwaukee’s Urban Ecology Center into a national demonstration of using environmental education as a tool for inspiring urban revitalization. Ken’s new book, Urban Ecology: A Natural Way to Transform Kids, Parks, Cities and the World, shares the stories and the impact of its model. If EPA continues to exist, may be a future EPA Administrator is learning to love nature today at one of the Center’s three community-based sites. Makes you wonder about Scott’s childhood.

Among all of President Trump’s court proceedings, he may want to mark in his calendar October 29, 2018 as the first day of trial in the landmark constitutional climate lawsuit brought by 21 American youth against the U.S. government. Juliana v. U.S. was filed in the U.S. District Court for the District of Oregon in 2015. Their case is simple:

“Our government has known about the dangers of climate change for more than fifty years. Despite that knowledge, the United States has continued to pursue reckless and dangerous fossil fuel development, harming the health of our communities and threatening our futures.”  

They’re talking to you, Scott Pruitt. Can’t wait to hear your testimony.

Trial of the CenturyLed by Our Children’s Trust, this youth-driven, global climate recovery campaign is striving to secure the legal right to a stable climate and healthy atmosphere. A fitting complement to youth-driven, gun reform campaigns that Congress continues to ignore, suing the government for malpractice and malfeasance certainly is overdue.

Their demand is an appropriate Earth Day wish: “We want a federal Climate Recovery Plan that is in line with both the best available science and climate justice.” Shouldn’t we all? Before Pruitt repeals Earth Day 2019.



Now, more than ever, our planet needs us — and I’m inspired by the knowledge that we’ll take the path forward together.” – Al Gore, Founder & Chairman,The Climate Reality Project, 09/09/2016

Six months after Al Gore’s comments on the Trump Administration’s withdrawal from the Paris Climate Accord, I had the chance to see An Inconvenient Sequel: Truth To Power. A clear case for why we must all “Still be In!”

I saw the film at the closing of the 7th annual One Earth Film Festival, which is the Midwest’s premier environmental film festival, creating opportunities for understanding climate change, sustainability and the power of human involvement. OEFF LogoAfter more than 30 award-winning films at over 50 screenings, facilitators trained in the Technology of Participation [ToP]® methods developed by the Institute of Cultural Affairs [ICA-USA] engaged attendees with expert panelists in conversations not only about the films but also on how to connect with meaningful local action.

After the SpillICA’s GreenRise in Chicago’s Uptown community hosted the film “After the Spill.” When the Deepwater Horizon offshore drilling rig exploded in 2010, it spilled more than 200 million gallons of oil into the Gulf of Mexico in the worst ecological disaster in North American history. Louisiana’s coast continues to suffer the consequences today.

As if the film wasn’t scary enough, the post-film panel, facilitated by ICA’s Program Coordinator Samantha Sainsbury included: Bill Latka, founder of Oil and Water Don’t Mix; Nathaniel Miller, Director of Conservation at Audubon Great Lakes; and Matt Edgington, Manager of Mag Mile Patagonia. From them I learned that some of my favorite vacation spots along the west coast of Michigan have been under an OIL THREAT and the State of Michigan is faced with an imminent decision to protect the Great Lakes from the Oil Industry’s “Inconvenient Greed.”

Every day, nearly 23 million gallons of oil and natural gas liquids flow through Enbridge’s “Line 5,” a pair of aging pipelines just west of the Mackinac Bridge. line-5-mapLine 5, which starts in Superior, Wisconsin and splits into two pipes as it cuts through the Mackinac Straits on its way to refineries in Sarnia, Ontario. Enbridge has been using publicly-owned lakebed at the Straits as a conduit for its shipments of oil and gas underneath the Straits under a 65-year-old easement granted by the state on the condition that the company operates prudently.

What Worry? Line 5 has failed 29 times since 1968, spilling at least 1.13 million gallons of oil. Repeated disclosures of shoddy maintenance, structural flaws in the pipelines and concealment of critical information from state officials demonstrate Enbridge is not acting prudently. There are at least 48 bare metal spots and/or coating gaps near the 128 total anchor locations on Line 5 in the Straits of Mackinac.

These decaying pipes threaten the drinking water supply for 5 million Michigan residents and the “Pure Michigan” economy. FYI, the Great Lakes contain 20% of the world’s fresh surface water and are the drinking water source for over 40 million people.

Advocates such as FLOW [For Love of Water] insist “This is the Moment” for the State of Michigan to evict Enbridge from the Mackinac Straits and shut down Line 5 because of the danger its oil pipelines pose to the Great Lakes. The State of Michigan must make a final decision to replace the pipelines or to shut it down by August 15, 2018.

University of Michigan studies call the Mackinac Straits the “worst possible place” for a Great Lakes oil spill, which could pollute up to 720 miles of shoreline along Lake Michigan and Lake Huron. Under the best conditions, only 30% of an oil spill would be recovered.

This March, we lost another Champion for Justice: Bob Rafos.


Bob Rafos presenting a $25,000 check to CEO of Save the Children Canada

Completing three years this month as CEO of the Institute of Cultural Affairs (ICA) & the Ecumenical Institute, I recall the pleasure of Bob’s guidance as a board director. I was already booked on a flight to visit him in Toronto when we learned he had completed his life at the age of 82. I missed the opportunity for another partaking of his wisdom.


At his last face-to-face ICA-USA board meeting on September 18, 2016, Bob offered this closing reflection that continues to ring true and merits our embrace:

“We are facing the greatest threat of our time: Climate Change. Our role now is as it was before:
• Be a source of awakenment.
• Sound the call to commitment; and
• Demonstrate what is possible.”

Awaken, Sound the Call, Demonstrate… those are all germane verbs for moving people whether its Marching for Our Lives for real change in gun laws or speaking truth to power to assure that we stop Mixing Oil & Water. Thanks for the call Bob.