Hoping for Federal Help, Cities Experiment with Rental Assistance

Many subprime borrowers in the United States are financially unable to buy a home themselves. An unconventional lender is trying to make it easier for low-income people to buy houses despite the tighter requirements that other lenders adopted after the mortgage bust.

Although Nigeria "is arguably the worst-run of the world’s major countries," it's biggest city is providing a model for how to turn poor governance around. Lagos, a historically fragile city like the rest of Nigeria, has devolved more power to civilian rule, which has shown positive results for the health of the city.

While critics argue that Naloxone isn't safe for over-the-counter use, some cities have found success distributing Naloxone to community members to help save lives of addicts who overdose. Naloxone can be administered to help those overdosing survive and jump-start the withdrawal process.

An innovative program by an unusual bank allows low-income people in Cambodia to take out a 15-year fixed mortgage with little or no documentation - contradicting traditional loan assumptions and creating means for some of the country's poorest people to completely change their lives. The bank and its investors are now making a profit, and more than 700 mortgages and building loans have been provided.

Rampant misconduct by judicial systems across the country brought to light a crippling practice of debtors' prisons—where disadvantaged individuals unable to pay fines and fees were continually and wrongfully imprisoned, creating a vicious cycle. The American Civil Liberties Union stepped in to work with governments and private companies to increase transparency, eliminate abuse, and reeducate law enforcement officials. The state of Ohio has emerged as a leader in reforming debtors' prisons, though there is still work to do.

Many offenders get out of jail owing hundreds or thousands of dollars in court and parole fees but face barriers to financing and job acquisition, sticking them in a punitive, vicious cycle of debt and arrest. A program called the Clapham Set, perhaps paired with conditional cash transfers - may be a solution, as it erases fees for felons who complete rehab and job training upon release.

To combat rampant homelessness, cities like New York are investing in supportive housing and comprehensive, consistent services for the homeless population. Although San Francisco has smaller-scale supportive housing programs. political will and regular funding are necessary to grow those initiatives and make a large impact on homelessness in the city.

In a county in California, federal agencies are implementing a model known as Housing First which gets homeless people safe, secure housing before tackling root causes of homelessness.

The Center for Applied Nonviolent Action and Strategies provides a "blueprint" for peaceful and democratic revolution, busting myths about the process of nonviolent revolt and helping dissidents in countries around the world to accomplish political goals, such as fighting corruption or protecting the environment.

South Dakota’s “24/7 Sobriety” initiative breathalyzers tens of thousands of people every day in an effort to curb drunk driving. Rather than legislation that takes penalizes offenders by taking away their license, the state addresses the behavioral issue instead. In counties that use the “24/7 Sobriety,” they’ve seen a 12% decrease in repeat drunken-driving arrests.