Landmark, sweeping expansion of the federal role in mortgage insurance in the U.S.
This article is about the U.S. legislation. For the British legislation, see Housing Act 1949.
The American Housing Act of 1949 (Pub. L.81–171) was a landmark, sweeping expansion of the federal role in mortgage insurance and issuance and the construction of public housing. It was part of PresidentHarry Truman's program of domestic legislation, the Fair Deal.[1]
During the Roosevelt administration the National Housing Act of 1934 which established the Federal Housing Administration (FHA)[2] and the Housing Act of 1937 were signed into law, the latter of which directed the federal government to subsidize local public housing agencies.[3] On April 12, 1945, Vice President Harry Truman became president on the death of Franklin D. Roosevelt. Truman campaigned for a second term in the 1948 presidential election with a platform promising to provide for slum clearance and low-rent housing projects.[4] Truman was elected to a full term in 1948 with the Democrats also reclaiming the House of Representatives and the Senate.[5]
In his 1949 State of the Union address unveiling the Fair Deal, Truman reiterated his desire to pass comprehensive housing legislation.[6] The Senate had successfully passed bills allocating federal aid for public housing in 1946 and 1948, although these efforts died in the House of Representatives on both occasions.[4]
During the 81st Congress, Republican Sen. Robert A. Taft sponsored the legislation with Democratic backers Allen J. Ellender and Robert F. Wagner.[4] On April 21, 1949, the Senate approved the legislation by a vote of 57–13, with all but two of the "nay" votes coming from Republicans. The House of Representatives voted 227–186 in favor of the bill on June 29, 1949.[7] President Truman signed the bill into law on July 15, 1949.[8]
Legislative history
Date:
Legislative Action:
February 21, 1949
Subcom on Housing & Rents, Committee on Banking & Currency
February 25, 1949
Reported to the Senate
February 25, 1949
Committee on Banking & Currency Senate
April 13, 1949
Debated in Senate
April 21, 1949
Debated, Amended, Passed Senate
April 25, 1949
Referred to Committee House
May 3, 1949
Committee on Appropriations Senate
May 9, 1949
Committee on Banking & Currency House
May 9, 1949
Made special order (H.Res.189) Debated, Amended, Pass House (81 H.R. 2203)
May 16, 1949
Committee on Banking & Currency House
July 6, 1949
Committee of Conference House
July 8, 1949
Conference Report (H.rp.975) Submitted in House & agreed to
Title I - Slum Clearance & Community Development & Redevelopment
Authorized $1 Billion in loans to help cities acquire slums and blighted land for public or private redevelopment. It also allotted $100 million every year for five years for grants to cover two-thirds of the difference between the cost of the slum land and its reuse value.
Title II - Amendments to National Housing Act
Amended the National Housing Act of 1934 by reauthorizing the FHA for six weeks and raised by $500 million the amount the FHA was allowed to offer as mortgage insurance.
Title III - Low Rent Public Housing
Required that public housing authorities demolish or renovate one slum dwelling unit for every public housing apartment they built.
Title IV - Housing Research
Provided funds and the authority to conduct extensive research into the economics of housing construction, markets, and financing.
Title V - Farm Housing
Addressed the problems of rural housing by reorganizing and expanding the loan program initiated under the Bankhead-Johns Farm Tenant Act of 1937, which allowed farmer to purchase and improve farms.
^von Hoffman, Alexander. 1996b. Vision Limited: The Political Movement for a U.S. Public Housing Program, 1919-1950. Working Paper Series, Harvard University, John F. Kennedy School for Government, Joint Center for Housing Studies, Taubman Center for State and Local Government.
^McDonnell, Timothy L. 1957. The Wagner Housing Act: A Case Study of Legislative Process. Chicago: Loyola University Press.
^Bailey, James. 1965. The Case History of a Failure. Architectural Forum 123(5):22-25.↵↵Davies, Richard. 1966. Housing Reform during the Truman Administration. Columbia, MO: University of Missouri Press.
Further reading
Clement, Bell. "Wagner-Steagall and the DC Alley Dwelling Authority: A Bid for Housing-Centered Urban Redevelopment, 1934–1946." Journal of the American Planning Association 78.4 (2012): 434–448.
Congressional Quarterly. "Housing a Nation." (1966).
Foard, Ashley A. "Law and Contemporary Problems." 25.4 (1960).
Heathcott, Joseph. "The Strange Career of Public Housing: Policy, Planning, and the American Metropolis in the Twentieth Century." Journal of the American Planning Association 78.4 (2012): 360–375.
Jenkins, William D. "Before Downtown: Cleveland, Ohio, and Urban Renewal, 1949-1958." Journal of Urban History 27.4 (2001): 471–496.
Lang, Robert E., and Rebecca R. Sohmer. "Legacy of the Housing Act of 1949: The Past, Present, and Future of Federal Housing and Urban Policy." Housing Policy Debate (2000): 291–298. online
Orlebeke, Charles J. "The Evolution of Low‐Income Housing Policy, 1949 to 1999." Housing policy debate 11.2 (2000): 489–520.
Patterson, James. "Mr. Republican: A Biography of Robert A Taft." Houghton Mifflin (1972).
von Hoffman, Alexander. "A Study in Contradictions: The Origins and Legacy of the Housing Act of 1949." Housing policy debate 11.2 (2000): 299–326. online
von Hoffman, Alexander. "High Ambitions: The Past and Future of American Housing Policy". Housing Policy Debate 7.3 (1996).
von Hoffman, Alexander. "The Lost History of Urban Renewal." Journal of Urbanism 1.3 (2008): 281–301. [1]