One of my two favorite NPR shows is “Wait Wait… Don’t Tell Me!” Two special weekly segments are “Bluff the Listener” and “Not My Job”— pertinent portrayals of the Trump Presidency.

The other is Marketplace. My work schedule often has me driving home when it airs at 6:30 pm CT. Those who know my community development origin story can imagine my surprise when on February 15th, the first words I heard on my car radio were:

“this law — the Community Reinvestment Act — did not foresee a lot of the urban dynamics that we have today.”

Marketplace host Kai Ryssdal was interviewing Aaron Glantz, a reporter at Reveal, from the Center for Investigative Reporting, who was sharing his new article, “Kept Out,” which explores how redlining lives on in today’s economy.

April 11th this year will be the 50th Anniversary of the federal Fair Housing Act that banned racial discrimination in lending. Yet, as this article reveals, African Americans and Latinos continue to be routinely denied conventional mortgage loans at rates far higher than their white counterparts.

I started my community development career in 1974 researching lending discrimination and sharing stories of communities throughout the US who were organizing against redlining. On May 5, 1975, Chicago’s Gale Cincotta joined community leaders from Milwaukee, Oakland, Indianapolis, Cincinnati, Boston and Providence who testified before the U.S. Senate Banking Committee in support of the Home Mortgage Disclosure Act [HMDA], passed by Congress later that year.

Philly redlining_1937

A 1937 map of Philadelphia shows redlining of neighborhoods.

Reveal’s yearlong analysis, based on 31 million records, found modern-day redlining persisted in 61 metro areas even when controlling for applicants’ income, loan amount and neighborhood, according to a mountain of HMDA records analyzed. It found a pattern of troubling denials for people of color across the country, including in major metropolitan areas such as Atlanta, Detroit, Philadelphia, St. Louis and San Antonio. African Americans faced the most resistance in Southern cities – Mobile, Alabama; Greenville, North Carolina; and Gainesville, Florida – and Latinos in Iowa City, Iowa.

In addition, Glantz told Marketplace that there are a “lot of neighborhoods where banks are making a ton of loans to white newcomers at the same time that they’re denying a large proportion of people of color who want to buy or refinance or get a home improvement loan to stay in that same neighborhood.” Nothing like financing gentrification and reverse block busting to make housing even less affordable.

Given how the Consumer Financial Protection Bureau is already being dismantled, we can anticipate that all Trump financial regulators will be “bluffing” when it comes to enforcing the Community Reinvestment Act [CRA] while encouraging a Republican Congress to repeal it and not even bother replacing it. We can also be certain that building local economies and encouraging racial and economic diversity will be regarded by Trump as “Not My Job!”

That’s why it’s still our job. It’s why you should attend the Just Economy conference of the National Community Reinvestment Coalition [NCRC] on April 9 – 11 in DC.

NCRC & Key Bank 3.18.2016

NCRC Conference March 2016

Our communities can’t afford to be “kept out” any longer. It’s time for a #JustEconomy

Oh by the way, Happy President’s Day?



I don’t remember the last time I stayed up past midnight. But on Friday January 19th I did until 12:30 am Eastern. Don’t know why but I thought maybe Mitch McConnell would have something constructive to say about reaching a compromise on immigration. But no it was just the same old blame game. disclosure-oct-1976

Rather than do their job by passing a bi-partisan bill, Congress chose to let our government shut down. They could reach agreement in the coming few days or this drama and sham can play out for weeks.

When I studied political science [BA & MA], I learned that the core of our democracy is embedded in our three branches. Congress can reach consensus to pass legislation and send it to the Sh__ House. The President can then decide what to do with his fancy pen.

More midnights at the impasse are not viable options for the American people. Compassionate immigration is a core American value. It is only fitting for Women’s March Rallies to assemble across the US on the first anniversary of Trump’s inauguration and day one of this Trump Sh_tdown.

Women's March B Jan 2018

This coming November we can only hope that thousands of women candidates for local, state and national office will be elected so conversations can flourish and consensus for action can be reached.

However, earlier this week, I heard one woman candidate who does not merit votes. I attended the MLK Day Faith in Action Assembly. I have attended previous ones also organized by the Community Renewal Society. This year our church, Old St. Patrick’s, MLK Assembly Jan 2018hosted the forum. Besides a panel of local aldermen asked to support changes to police union contracts to assure effective reforms, the Action Assembly focused on candidates for the Illinois Governor race.

All five of the Democratic candidates were impressive. The Republican candidate, IL State Rep. Jeanne Ives, not so much and then she really blew it. After a few “No” answers to supporting a few issues, she addressed the final issue of gun violence by replying that the solution is “Fathers in the home.” Sitting next to her was Democratic candidate Chris Kennedy, son of assassinated U.S. Senator Robert Kennedy.

Chris responded, “I didn’t have a father in my life. Somebody shot him.” He then departed to a standing ovation. The Chicago Tribune headline to its story the next morning was “Kennedy criticizes Ives for ‘stupidity’.” That appears to be a prevalent Republican trait these days.

A year ago, I quoted Bobby Kennedy’s April 5, 1968 speech after Dr. King’s assassination as the appropriate counterpoint to Trump’s inauguration speech. The U.S. Senate would have benefited last night from remembering it.

“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



There is a significant divergence in meaning between “endanger” and “glimmer.” This may even be the first time that these two words have been used in the same sentence. They also capture differing perspectives on the economic outcome likely to result from tax “reform.”

“GOP’s tax measures endanger a preservation success story” was the original and more appropriate Chicago Tribune headline in my home delivery edition on November 24. Don’t know who at the Trib read the column by Blair Kamin, the Trib’s Architecture Critic, and thought the headline should be rewritten for the on-line version as a “glimmer of hope.” I’m only seeing a little glimmer, while feeling that the Institute of Cultural Affairs’ GreenRise Historic Restoration may be endangered.

We are layering multiple sources of capital for a $15.29 million dollar restoration of the Chicago landmarked building that ICA has owned since 1971 in Uptown.

1927 building pic

Uptown’s Lawrence & Sheridan 1927

One key piece is the Historic Tax Credit (HTC). This financing tool encourages private investment in the rehabilitation of historic buildings. Since its inception [initially enacted in 1978 and made permanent in the tax code in 1986], the credit has attracted $131 billion in private capital to revitalize often abandoned and underperforming properties that have a financing gap between what banks will lend and the total development cost of the transaction.


Uptown has been and hopefully will remain Chicago’s most economically and racially diverse community. The tenants in our 166,000 square foot building serve 1,000 disadvantaged individuals per week. It is a community anchor for those in need. Restoring our facility for its diverse users is an appropriate use of HTCs. Urban and rural communities throughout the US have historic buildings that can be preserved and repurposed for multiple community needs.

In addition to revitalizing communities such as Uptown and spurring local economic growth, the HTC returns more to the US Treasury than it costs. According to a study commissioned by the National Park Service, since inception, $25.2 billion in federal tax credits have generated more than $29.8 billion in federal tax revenue from historic rehabilitation projects. The credit generates new economic activity by leveraging private dollars that not only preserve historic buildings but also create jobs; through 2016, the rehabilitation of 42,293 historic buildings has created more than 2.4 million jobs, according to the Historic Tax Credit Coalition.

While HTCs were preserved in the tax bill passed by Congress, their value was diminished. Instead of allowing investors to take the full value of the credit when a building opens, as they can now, it parcels out the credit over five years. Historic preservationists fear this change will decrease the attractiveness of the credit and consequently negatively impact its pricing. A project seeking $2 million of Historic Tax Credit investments could lose as much as $400,000 in valuable capital. Historic rehabilitation projects frequently have higher costs, greater design challenges, and weaker market locations—all of which can already cause lender and investor bias against such investments.

Another casualty of Tax “Reform” is the demise of tax credit bonds. While Private Activity Bonds survived the final assault, key new tools such as Qualified Energy Conservation Bonds [QECB] did not. The ICA GreenRise had approval by the Illinois Finance Authority for a QECB of $755,000; but now the clock to issue the bond has been stopped by an act of Congress.

ICA Green Rise Solar Roof

Chicago’s 2nd largest solar array on ICA’s GreenRise generates 25% of building’s power.

An additional stopwatch has been started on New Market Tax Credits [NMTCs], which thanks to Tax “Reform” are now set to expire in 2019. Perhaps, there will be two more rounds of NMTC allocations with a 2018 announcement expected soon and also anticipated for the ICA GreenRise Capital Stack. In Chicago, 123 NMTC projects have been financed since 2001 for a combined cost of $1.6 billion.

A Chicago Sun-Times editorial on December 18th starts:

“If we’re going to give a tax break to billionaires so they can buy more private jets, we should also give a tax break to businesses in cities trying to breathe new life into hard-up neighborhoods. Is that too much to ask?”

Guess, there wasn’t one Republican Senator who was willing to answer that. Tax reform aimed at growing our economy should augment, not diminish community investment.

Blair Kamin concluded his column asking: “Why break what doesn’t need fixing?” I’ll go further: “Why not enhance investors’ tools that can preserve buildings, promote energy efficiency and rebuild communities?”

In their holiday rush for a present to themselves, Republican Senators and Representatives have endangered community investment in their own states and districts as well as our country’s economic future. The divergence between the needs of the many and the wants of the few is only growing for the New Year and the next decade. Any glimmer of hope for community development is itself endangered.


We all knew his nickname; so it wasn’t surprising to see it in the headline of his obit.

Pete Garcia 2017I first met Pete “Big Dog” Garcia in 1989 when Chicanos Por La Causa hosted the National Congress for Community Economic Development [NCCED] annual conference in Phoenix. Little did I know at the time that it would become such a rich relationship.

My next encounter with Pete was as travel companions in 1991 on a NCCED tour of Scotland, Belfast, Dublin and Wales. Visiting community development initiatives in these countries furthered the bond of professional and personal connections.

Only a few years later, Pete and I would become fellow board directors for over two decades of the National Community Reinvestment Coalition [NCRC]. Too many meetings to count; many good meals to remember.

Pete and his wife Sarah always welcomed us as family members. Pete went out of his way when our son TJ was doing his college search tour with lunch at ASU’s golf course and tickets for the USA vs Mexico World Baseball Classic game. His love abounded.

I invited Pete to be a keynote speaker at the 15th anniversary conference of the Chicago Association of Neighborhood Development Organizations [CANDO] on March 8, 1994. His remarks then remain relevant today: Pete Garcia 1994

“Community development has to start at the community level. It doesn’t start at the mayor’s office or at the top of a bank building. It has to start in the community if it’s going to succeed. It has to have those partners with political and financial resources. Communities, at a certain point, have to develop themselves and the sophistication to be able to develop these partnerships with business and government in order to be successful.”

Pete’s been called home, after living true to his calling. Bless you Big Dog

We are called to act with justice,
We are called to love tenderly,
We are called to serve one another;
To walk humbly with God!




“The test of our progress is not whether we add more to the abundance of those who have much; it is whether we provide enough for those who have too little.” — Franklin Delano Roosevelt

FDR Memorial

I think I’ve attended all the annual conferences of the National Community Reinvestment Coalition [NCRC] since 1992. This year’s theme was again “Creating a Just Economy” — an appropriate and timely admonition. FDR’s test surely is not being pursued in the first 100 days of the Trump Presidency.

After my countless trips to DC, I finally made time to visit the memorials for Dr. King, FDR and Jefferson. A very reflective hike on which I found particularly relevant quotes at each stop – none using the word “huge.”

The above FDR quote was etched by a sculpture of Americans forgotten in the Great Depression. Not sure those Americans who suffered the injustice of our most recent Great Recession haven’t already been not only forgotten but abandoned by the White House and Congress despite their votes.

But “creating a just economy” is not just a matter of federal policy or tax reform. A just economy is threatened locally by every decision in our communities to forsake those who have too little affordable housing and insufficient employment to raise a family. Equitable development is imperative for a just economy.

Given the challenges confronting Chicago’s Uptown community, where I now work as CEO of the Institute of Cultural Affairs [ICA]-USA, I volunteered to moderate the workshop at this year’s NCRC conference, entitled Equitable Development in Gentrifying Communities. The four panelists shared similar stories from Portland, OR; Roxbury, MA; New York City; and Washington, DC.

Empower DC’s mission is to enhance, improve and promote the self-advocacy of low and moderate income DC residents in order to bring about sustained improvements in their quality of life. The presentation by its Executive Director, Parisa Norouzi, included a historical ICA surprise for me. The historic Ivy City community is re-establishing a strong Civic Association around several issues including the restoration of the Alexander Crummell School. Named for abolitionist, educator and clergyman Rev. Doctor Alexander Crummell whose life’s mission was the uplift of Black people, it was the first public school for African Americans in DC when it opened in 1911.

Ivy City was chosen in 1976 as a site for one of the Human Development Projects initiated by the Institute for Cultural Affairs (ICA) along with other such initiatives across all 24 global time zones that became known as the “Band of 24.” Two ICA organizers moved into the Ivy City community who, following ICA’s participation model, assisted the community with developing and carrying out a four year Human Development plan. From 1976-1980, ICA and neighborhood residents created the Ivy City Preschool and the Ivy City Corporation (ICCO), which promoted commerce in the community. All activities were centered at the Crummell School, which had been closed in the ‘70s, and were documented in the Ivy City Voice, a newsletter which was published during that time.

More recently, the school building was added to the National Register of Historic Places in 2002 and listed as one of DC’s Most Endangered Places by the DC Preservation League in 2013. Crummell abandonedResidents of Ivy City have long been on record asking that the school be turned into a multi-use center to serve youth and elders. They have endured years of testifying at hearings, participating in city planning meetings, and mobilizing community participation. They experienced many broken promises, and even had to file a lawsuit to block attempts to turn Crummell into a bus parking lot.

Last year, Empower DC worked with Ivy City residents and partners to submit a proposal that would turn the historic Crummell School and 1 acre of the site into a Community Land Trust, keeping the grounds open for community recreational use (with a playground/splash park, basketball court, walking trail, and garden) and opening the school as a nonprofit Community Center with a mix of programming to meet the needs of youth, adults and seniors. The school building would become a community square surrounded by new affordable housing. Alexander Crummell SchoolUnfortunately, local government is forsaking Ivy City’s community dream and choosing another high-end development striving to be DC’s newest “hot” real estate.

When President Trump tells us in seven days how “huge” his accomplishments have been in his first 100 days, let’s ponder the “huge” decisions being made in Planning Departments and Mayors’ Offices across our country to not provide enough [housing & jobs] for those who have too little. Many politicians are failing the equitable development test. Our civic duty is to grade accordingly.



“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.” – Senator George Mitchell, June 25, 1996

Mitchell & Ted Belfast 1996That was former U.S. Senator Mitchell’s welcoming comment, as Special Advisor to President Clinton and Secretary of State for Economic Initiatives in Ireland, to our delegation in Belfast at a three-day conference on Work, Education & Training for which the US State Department had invited us as participants. As CEO then of the Chicago Association of Neighborhood Development Organizations [CANDO], that quote resonated with me and I shared it in for my article entitled, “Rainbow Over Belfast,” in CANDO’s 1996-97 Annual Report.

Now over 20 years later, there remains a direct correlation between the level of violence and unemployment in Chicago. A lesson repeatedly revealed in every morning’s news headlines.

Senator Mitchell was in Chicago this past St. Patrick’s week as the narrator for Old St. Patrick’s Church’s 21st Annual Siamsa na nGael. This year’s theme was “A Bridge Over the Troubles: The Peacemakers.”

Yes, the choir did sing that Simon & Garfunkel song; but they also sang my favorite hymn, Canticle of the Turning, and my favorite Broadway tune, Make Them Hear You from Ragtime. I have used lyrics from both for previous blog posts.

Senator Mitchell’s narration shared many stories from his “few months” assignment that became five years. I had already read some of them in his memoir, The Negotiator, and look forward to more as I start his book, Making Peace. I particularly appreciated his reflections on John Hume, who not only won the Nobel Peace Prize but also the Gandhi and Martin Luther King, Jr. Awards; the only person to have earned all three.

When the audience entered Chicago’s Symphony Center for the concert, there was a large screen hanging over the orchestra with a quote from Hume’s Nobel acceptance speech. Hume quoteAgain, a lesson learned 20 years ago in Northern Ireland that the US remains in dire need of remembering today: “most fundamental principle of peace: respect for diversity.”

Composer Scott Stevenson was commissioned to write the “Hymn of Unity” from Hume speeches with lyrics that ring out as a call even more acute today for us.

In this land, this land of ours, by difference torn apart
We pray for strength and wisdom to discern our common heart.
A heart with ample space for many different minds,
A heart that is open to the whole of human kind.
A heart that breaks down ancient walls,
because we share the same bright sun
by which we walk together towards tomorrow.
From many, we are one!




”The Chicago problem is simply a matter of economic exploitation. Every condition exists because someone profits by its existence. This economic exploitation is crystallized in the slum.” — Dr. Martin Luther King, Jr.

The MLK Fair Housing Exhibit Center at 1558 S Hamlin details Dr. King’s time in Chicago in 1966 and speaks to his influence on the 1968 Fair Housing Act. Dr. King ApartmentsRemembering this 50th Anniversary, the Center’s goal is to build community awareness of the legacy that Dr. King left in the Chicago area during his residency in North Lawndale.

Six months after the Selma to Montgomery marches and just weeks after the passage of the Voting Rights Act of 1965, a group from Martin Luther King Jr.’s staff arrived in Chicago, eager to apply his nonviolent approach to social change in a northern city. Once Dr. King 1966there, King’s Southern Christian Leadership Conference (SCLC) joined the locally based Coordinating Council of Community Organizations (CCCO) to form the Chicago Freedom Movement.

My wife & I participated in Old St. Patrick’s Kinship Initiative promotion of the Center’s “Continuing the Dream” weekend by attending two book discussions there on Saturday morning July 23rd. One covered the past exploitation of North Lawndale through the battle waged by the Contract Buyers League as told by Beryl Satter, author of “Family Properties: How the Struggle Over Race and Real Estate Transformed Chicago and Urban America”. Beryl’s account of Chicago in crisis over 50 years ago, with religious leaders and community organizers battling slumlords and speculators, is also the story of her father Mark Satter, an impassioned attorney who launched a crusade against the profiteers.

The second book addresses the urgency of today as told by Ta-Nehisi Coates in his message to his son in “Between the World & Me” of the perils of living in a country where unarmed black men and boys are dying at the hands of police officers. The discussion was co-led by Xavier Ramey, whose day job as Senior Assistant Director for Social Innovation and Philanthropy at University of Chicago, is complemented by his social justice passions. It turns out that I knew his father Paul as an impassioned activist and advocate for North Lawndale from my CANDO days in the ‘90s.

During this past month of political conventions, I can’t help but ponder this continuing link between racial injustice and economic exploitation and remember the martyrs we lost in 1968. RFKIn the words of solace that Robert Kennedy offered April 4, 1968 on the assassination of Dr. King:

“What we need in the United States is not hatred; what we need in the United States is not violence and lawlessness but is love, and wisdom and compassion toward one another and a feeling of justice toward those who still suffer within our country, whether they be white or whether they be black.”