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The State of Black America: The Call, the Crisis, the Charge by Marc H. Morial

To Be Equal 
July 20. 2025

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(TriceEdneyWire.com) - A war has been declared in this country. And the fight isn’t just for diversity, equity, and inclusion or for fair economic and criminal justice practices. It’s for the soul of America. It’s to determine which of us will have an opportunity not to prosper, but merely survive in a future clouded with uncertainty at every turn.
 
It’s for the fundamental right of Americans to protect themselves against predatory corporate practices, destructive environmental policies, and state-sanctioned violence by vigilantes and uniformed officers alike. And it’s for the right etched in the very fabric of what it means to be an American, which is the right to vote in a fair and free democracy where every vote is counted and every vote matters.
 
That is the war that has been brought to the feet of every American and the doorstep of the civil rights community at the top of this year. It’s the war being waged in courtrooms across this land, from local jurisdictions to the Supreme Court.
 
It is no secret that we are in a state of emergency. The hard-fought victories of the Civil Rights movement, including the Civil Rights Act of 1964, the Voting Rights Act of 1965, Equal Employment Opportunity laws, and the establishment of the Department of Education, are being systematically dismantled.
 
But as we’ve stated in our D3 framework, we doubled down on our advocacy on Capitol Hill and at the White House, and moralized in the 49th edition of the State of Black America Report, State of Emergency: Democracy, Civil Rights, and Progress Under Attack, the National Urban League movement is not backing down.
 
We are defeating poverty through every program offered through our affiliates. We’re defeating poverty through the work of our Equitable Justice and Strategic Initiatives division to correct a discriminatory and punitive system that keeps our people economically and civically disadvantaged and causes our communities irreparable trauma.
 
We are defending our Democracy through every action taken by our Washington Bureau to hold elected officials accountable for their actions and inactions in this moment. We are demanding diversity through the collaborative work of our Demand Diversity Roundtable and by suing this administration for an outright racist executive order that is undermining our Democracy, eroding trust in our systems, and dismantling our government.
 
For the Urban League movement, this state of emergency and scourge on our nation and community is a call to action.

This week at our national conference in Cleveland, we convened affiliate leaders, community advocates, and thought leaders from across the country with one mission and a unified message: we are not backing down.
 
We shared economic strategies to equip our communities and partners with the tools needed to help navigate an employment landscape that has become increasingly hostile towards people of color, especially Black women. Provided support and training for entrepreneurs and small business owners to thrive in the face of changing economic headwinds.
 
Invested in our young people at our annual youth summit as a reminder that even in a state of emergency, their dreams and ambitions are worth investing in and fighting for.
 
Developed civic engagement action plans to prepare our communities for the midterms in 2026 and support grassroots and civic engagement groups with the resources they need to fight back against rapidly expanding discriminatory voting laws.
 
We are taking the time to recognize every single person in this fight, thanking them for their contributions and reminding them why we do this work.
 
The Urban League movement is banding together to weather the storms to come, fight for our freedoms and Democracy in the face of tyranny, and equip our leaders every day to build a nation that reflects its values and its citizens.
 
                                                                               

Harvard Report: Black Homeownership Gains Have Halted By Charlene Crowell

 
July 1, 2025
 
Harvard Report Cover The State of the Nations Housing 2025
(TriceEdneyWire.com) - For the first time in 30 years, rising home prices and interest rates have translated into a drop in existing home sales and worsening affordability challenges for middle class  families.
 
Among the nation's 46 million renter households, only one in seven - 6 million - in 2024 earned at least $126,700, the amount needed to afford a $2,570 monthly payment on a $412,500 median-priced home. And these escalating costs likely contributed to the 771,480 people who were unhoused in 2024.
 
For Black Americans, the homeownership gains that occurred between 2019 and 2023 have halted. Last year, the white-Black homeownership gap remained stuck at 27.7 percentage points, and the same measure for Latino families was 25.2 percentage points. 
These are among the findings in The State of the Nation’s Housing 2025, an annual report published by Harvard’s Joint Center for Housing Studies (JCHS). Regarded by researchers and housing stakeholders as one of the most comprehensive assessments of the entire housing market, its findings share year-to-year changes and trends in construction, housing for owners and renters, as well as the effects of policy changes and proposals on the market.
Beyond its substantive findings, this year’s report is also a call to action.
“There must be a concerted effort to do more to address the affordability and supply crises,” says, Chris Herbert, Managing Director of the Center. “The potential consequences of inaction are simply too harmful to the macroeconomy and the millions of households striving for a safe, affordable place to call home.”  
As of early 2025, home prices are up 60 percent nationwide since 2019 and are increasing 3.9 percent year over year. This year, a median-priced new home comes with a price tag of $459,826. Additionally, last year marked the fewest home sales on record since 1995.  
“This is a shocking five times the median household income,” says Daniel McCue, a Senior Research Associate at the Center. “This is also significantly above the price-to-income ratio of 3 that has traditionally been considered affordable.”
Two key factors affecting the costs of homeownership -home insurance and taxes – continue to rise. Home insurance premiums jumped 57 percent from 2019 to 2024, according to Freddie Mac.  
Locales with the most severe weather-related disasters were hardest hit. Tornadoes, floodings, wildfires, and hurricanes impose financial tolls on renters and homeowners alike. For example, in Miami where weather-related disasters frequently occur, the cost of home insurance for a median-priced home is $920 per month, or more than $11,000 per year.
“The scale and frequency of climate disasters has prompted private insurers not only to raise premiums, but in some cases to reduce coverage or pull out of markets entirely, as in California, Florida, and Louisiana”, states the report.
Rising property taxes add yet another affordability challenge.  
In states considered ‘low tax,’ average annual property tax costs can be as low as $1,100, as in Alabama, or as high as $10,100 in New Jersey, generally considered a ‘high tax’ state. Nationwide, the average 12 percent increase in 2021 and 2023 led to an annual $4,380 tax bill.   While tax abatement programs have been implemented by some state and local governments, these cost-saving options tend to be limited to either senior citizens and/or low-income households.  
Additional report findings show:
  • 22.6 million renters are cost-burdened, spending more than 30 percent of theirmonthly earnings on their leases - the third consecutive year that this metric has increased. It is also 7.8 million more than in 2001.
  • Among renters, 12.1 million households - 27 percent - spend more than half of their income on housing.
  • 20.3 million families, or 24 percent of homeowners, are also cost-burdened , an increase of 646,000 in 2023.
  • Insurance costs remained a substantial driver of rent growth, up 26 percent year over year in 2023 and twice the previous year’s rate. Other cost increases include repairs and maintenance (12 percent), administration (12 percent), property taxes (10 percent), and payroll (6 percent).
Amid these developments, there remain other looming possibilities: a national economic downturn, and the FY 2026 budget that would cut in half funding for the nation’s only housing agency. Should either become reality, the nation’s already-enormous housing challenges would be exacerbated.
 
“For too long, families of color and first-generation buyers have faced insurmountable barriers to owning a home due to predatory lending, high downpayment requirements, and increasing home prices,” said California Congresswoman Maxine Waters, the Ranking Member on the House Financial Services Committee. She is also the co-lead of refiled legislation entitled, The Downpayment Toward Equity Act that would provide $100 billion in direct assistance to help first-time, first-generation homebuyers purchase their first home.
 
Two Texas Members of Congress, Al Green, and Sylvia Garcia, are also co-leads.
 
“With Black and brown families historically denied the opportunity to own homes and build wealth, our bill will empower first-generation homebuyers to access robust homeowner assistance and build wealth… this is exactly the type of policy this moment demands – and Congress must pass it without delay,” added Massachusetts Congresswoman Ayanna Pressley,  another co-sponsor.
 
The legislation has the support of diverse housing stakeholders: Americans for Financial Reform, the National Council of State Housing Agencies, the National Fair Housing Alliance, and the National Association of Realtors.
 
Charlene Crowell is a senior fellow with the Center for Responsible Lending. She can be reached at This email address is being protected from spambots. You need JavaScript enabled to view it.

Pell Grants Facing $9 Billion Program Cut By Charlene Crowell

 
 
Black Female Student Studying
(TriceEdneyWire.com) - Each year approximately 7 million college students benefit from Pell Grants, a 50-year old needs-based program that can be used to cover costs for tuition, fees, living costs and room and board. Additionally, these funds have been available at both 4-year and two-year institutions.
For students of color and others who are the first in their family to attend college, Pell Grants have been an important part of financial aid packages for an estimated 80 million low-income  families with little or no wealth.
But the federal Education budget for FY 2026, recently passed by the U.S. House of Representatives, would cut Pell Grant funding by $9 billion to $22.5 billion, compared to 2024’s $31.5 billion.  If approved, this significant cut will mean that next year a vital program will serve fewer students with smaller grants, changed student eligibility, and fewer institutions that would be allowed to administer the program.
Currently,  the maximum Pell Grant award for the 2025–26 academic year is $7,395 and can be used by both full and part-time students.
If the Senate agrees to the House-passed budget, a maximum Pell award would drop to $5,710 for the 2026-27 academic year and be limited to only students completing 30 academic credit hours, or 12 to 15 credits per semester. Students completing at least 12 academic hours but fewer than full-time, would receive smaller, pro-rated grants.
Students enrolled in fewer than 12 credit hours would no longer be eligible for Pell Grants.  Both community colleges and the adult students they serve would be affected by this specific change. Adult students are often employed and have dependent children with responsibilities that do not allow for heavy class loads. Even so, these students choose to return to academic studies to enhance their skills, credentials, and earnings.  
At a recent hearing by the Senate’s Health, Education, Labor and Pensions (HELP) Committee a prominent HBCU president called against enacting these steep cuts.
“Today, PELL Grants provide up to $7,395 annually to more than seven million low- and moderate- income students,” testified Tuskegee University President Mark A. Brown. “For context, a single parent with two children earning up to $51,818 adjusted gross income (225 percent of the federal poverty guideline) can qualify for the maximum award.”
“However, this maximum amount covers only 31 percent of tuition, fees, room and meals at the average public four-year college, compared to 79 percent in 1975,” he continued. “Cuts to the program would put college out of reach for many more low-income students, while increased would represent a true federal investment in education, reduce dependence on loans, and help address workforce skill deficits.”
Nor is Tuskegee alone in attacking proposed cuts. Other education stakeholders have also weighed in. 
“To reduce the maximum Pell Grant when we should be doubling it, reduce the number of students eligible for Pell Grants, increase the number of credit hours necessary for Pell without consideration for students who work their way through college, and to impose risk sharing on colleges who cannot force students to make student loan payments in an increasingly uneasy economy just seems as if those who wrote this bill are out of touch with reality,” said Lodriguez V. Murray, the United Negro College Fund’s senior vice president for public policy and government affairs.
For Katherine Meyer, a fellow in the Brown Center on Education Policy at Brookings, the proposed Pell cuts are a part of a broader retreat from a federal role in higher education.
“Between the ongoing budget reconciliation process and President Trump’s FY 2026 budget request, federal financial aid is at risk,” wrote Meyer in a recent post. “Provisions in the reconciliation bill would eliminate Pell grant eligibility for millions of students, and the budget proposes eliminating or dramatically reducing Pell and other federal grant aid. Without robust federal funding for financial aid, states and students will scramble to fill in the gaps, with the end result being fewer opportunities to pursue higher education for the lowest income students.”  
On May 21, Education Secretary Linda McMahon testified before the subcommittee of House Appropriations to defend the agency’s FY 2026 budget request.
“President Trump’s vision is to make American education freer, fairer, and more competitive globally by eliminating Federal bureaucracy and empowering states, parents, and educators,” testified McMahon. “Our FY 2026 budget request delivers on this promise by reducing spending for ineffective programs and prioritizing effective ones, while fully enforcing Federal law and giving power back to states, parents, and educators.”
The nation’s broad disagreement on these and other changes to the Education Department were perhaps best summarized in another testimony at the HELP committee hearing.   According to Mark Pierce, Executive Director of the Student Borrower Protection Center:
“Americans deserve more than a higher education system that acts as a finishing school for the children of millionaires and billionaires while systematically denying economic and educational opportunities to the rest of us. Our government should be relentlessly focused on making markers of middle-class American life—including education—cheaper for working families, not more expensive.”
Charlene Crowell is a senior fellow with the Center for Responsible Lending. She can be reached at This email address is being protected from spambots. You need JavaScript enabled to view it.">Charlene.crowell@responsiblelending.org.
 

African Americans Carry Brunt of Trump’s Racial Hostility By Barrington M. Salmon

 

May 7, 2025

Terrance Reshay Robinson

Attorney Terrance Reshay Robinson, chairman of community action group, Louisa United, answers the attacks of the Trump Administration at a "Hands Off" Rally, organized by the Louisa Democratic Party in Virginia. PHOTO: Hazel Trice Edney/Trice Edney News Wire

(TriceEdneyWire.com) - The first 100 days of the second Donald Trump presidency is being lauded by many MAGA (Make America Great Again) loyalists because of Trump’s string of executive orders against civil rights and his Project 2025 blueprint to reorganize the entire federal government and “replace the rule of law with right-wing” ideals, as described by the American Civil Liberties Union.

But Trump — aided by far-right extremists, his MAGA supporters, and remnants of the Republican Party — is being surprised by rising opposition from unexpected places as he moves full-tilt to reassert racial and political dominance.

CNN reports that his low 41 percent approval rating in a bi-partisan poll is the lowest for any newly elected president at 100 days dating back at least to Dwight Eisenhower – seven decades ago – which includes Trump’s own first term.

“Approval of Trump’s handling of the presidency is down 4 points since March, and 7 points lower than it was in late February. Just 22% say they strongly approve of Trump’s handling of the job, a new low, and about twice as many say they strongly disapprove (45%),” according to a CNN report.

Project 2025 is the cudgel that the Trump administration is using to implement his strategy, which has largely been an attack on African-Americans and other people of color.

“The actions of liberal politicians in Washington have created a desperate need and unique opportunity for conservatives to start undoing the damage the Left has wrought and build a better country for all Americans in 2025,” writes Harold Meyerson, editor at large at The American Prospect, quoting from the Project 2025 manifesto. “It is not enough for conservatives to win elections. If we are going to rescue the country from the grip of the radical Left, we need both a governing agenda and the right people in place, ready to carry this agenda out on day one of the next conservative administration.”

On the other hand, civil rights leaders point to the dismantling of civil rights protections and the attack on laws written to protect historically oppressed people.

“It is no coincidence that since taking office on Martin Luther King Day, the Trump administration’s most aggressive actions have targeted historically marginalized groups. In fact, the many blatantly illegal, unconstitutional, and bizarre actions we saw during the first month of Trump 2.0 – during which we also observed National Black History Month – are specifically harmful to Black Americans,” writes The Center for Progressive Reform’s Catalina Gonzalez and Rachel Mayo. “Attempts by Trump to freeze federal funding, close federal agencies, curb the rights of workers, and dismiss federal workers, through illegal means and by Republicans using budget reconciliation to cut federal funding for Medicaid, Medicare, Social Security, food assistance, and public education, continue a shameful tradition in American history of systematically dehumanizing, disenfranchising, and stealing from Black Americans.”

Affected people have been fighting back against what is perceived as the administration’s crude and heavy-handed efforts to force perceived enemies of Trump to bow. In response, opponents and resistors are speaking out in the courts, filing lawsuits and also engaging in protests all over the country. Protests called “Hands Off” were held in nearly 2,000 cities and communities around the country April 5. More were organized for May Day on May 1 and sporadically throughout the year.

“If the Trump Administration will deport people without a hearing, without a trial, without explaining to them why they are being deported, what is to stop them from coming into your house? What is to stop them from arresting you? What is to stop them from arrested me for speaking out today?” Terrance Reshay Robinson, an attorney, asked a crowd during a “Hands Off” rally on the front steps of the Louisa Circuit Courthouse in Virginia. “It’s already happening,” he said. “I just saw on the news yesterday that an American citizen lost his protected travel status for speaking out against the Trump Administration. It’s happening in front of our eyes,” he said, illustrating that the Constitution’s First Amendment and due process protections are being lost. 

Meanwhile, the administration continues its culture wars, which many view as poisonous, ramping up its retribution campaign against perceived enemies and grabbing more power. One example is the takeover of the Kennedy Center, The Smithsonian Institution and particularly the National Museum of African American History and Culture, where Trump in March, signed an executive order demanding that museum officials remove “improper, divisive or anti-American ideology” from federally funded institutions and the African American museum by name.

The executive order also said: The Smithsonian has “come under the influence of a divisive, race-centered ideology,” and has “promoted narratives that portray American and Western values as inherently harmful and oppressive.”

“We do not run from or erase our history simply because we don’t like it,” U.S. Rep. Yvette Clarke of New York said in a statement to the news source, Capital B. “We embrace the history of our country — the good, the bad, and the ugly.”

Meanwhile, Capital B New’s Brandon Tensley shared comments from Morehouse University Prof. Clarissa Myrick-Harris who told the Associated Press: “It seems like we’re headed in the direction where there’s even an attempt to deny that the institution of slavery even existed, or that Jim Crow laws and segregation and racial violence against Black communities, Black families, Black individuals even occurred.”

The Smithsonian order is part of a broader attempt by Trump and his MAGA allies to so-called correct what they regard as widespread discrimination against white men. As he has done elsewhere across the federal government, Trump is using the withdrawal of federal funding and grants to coerce and terrorize these institutions in his effort to control all accurate public discourse around race.

House Speaker Hakeem Jeffries, in a letter to Supreme Court Chief Justice John Roberts, warned of “dangerous efforts to manipulate cultural and historical narratives”, which is what Trump and MAGA Republican leaders and policymakers are doing.

According to the ACLU, “the administration’s ultimate goal would be the eradication of all programs designed to address profound and persistent inequalities in American life — with the effect of further entrenching, and indeed worsening systemic inequalities in access to education, health care, and economic opportunity.” 

Very little of American life has remained untouched by Trump in his first 100 days: the environment, the legal profession, the criminal justice system; federal government, colleges and universities, the judiciary, small businesses, corporations. Trump and his sidekick Elon Musk, who recently announced that he will soon leave the administration, have shattered federal agencies by shuttering some and slashing millions and sometimes billions of dollars from budgets.

Experts and pundits most aware of African American life, have reacted with alarm at the sheer scope, size and speed of the Trumpian strategy.

The administration is dismantling and neutering Civil Rights nationally; is in the process of shuttering the US Department of Education; has severely weakening the mandate of the US Department of Justice and its Civil Rights division; is attempting to disenfranchise millions of eligible Black voters; and has introduced sweeping provisions that would no longer recognize any plan or program to correct pervasive racism and systemic inequality.

National Urban League President/CEO Marc Morial describes the work of the Trump administration in his weekly column:

“The first 100 days of President Trump’s second administration have been an unrelenting assault on civil rights, civil liberties, economic justice, the constitutional separation of powers, and the rule of law itself. His administration has upended the global financial system, alienated longstanding allies, and steered the United States rapidly toward autocracy. He has imposed a grossly distorted version of the nation’s history to justify the elimination of pathways to equity and inclusion, and appointed Cabinet members and staffers who have actively embraced conspiracy theories, bigotry and racism.”

Budget Cuts Crippling to Minority Business Development Agency By Charlene Crowell

 
April 22, 2025
Black business PHOTO: Annie E. Casey Foundation
 
(TriceEdneyWire.com) - Under the guise of reducing government fraud and waste, a series of executive orders  (EOs) from the White House
aggressively reduced budgets and staff in federal agencies that directly deliver public services. But when agencies spark job creation and leverage public investments to attract even larger private ones, there’s no logical reason to nix what is working well.
Yet that is exactly what occurred with a March 16 EO that “eliminates non-statutory functions and reduces statutory functions of unnecessary governmental entities to what is required by law.’  
Two offices affected were the Minority Business Development Agency (MBDA), designed to foster the growth of minority businesses, and the Community Development Financial Institutions (CDFI) Fund that provides affordable capital for pivotal urban revitalization, mortgage, small business expansion, and entrepreneurial seed capital investments.
As a division of the Department of Commerce, MBDA is now left with only three employees,  according to a recent  New York Times article. This is the same office that helped Minority Business Enterprises create jobs, build capacity, increase revenues, and expand regionally, nationally, and internationally. In 2021 as part of the Bipartisan Infrastructure Investment and Jobs Act, MBDA was made more accessible with the creation of regional offices and rural business centers. This same legislation also provided for:
  • MBDA to coordinate federal government programs and operations that affect the establishment, preservation, and strengthening of socially or economically disadvantaged businesses; 
  • The establishment of grants for certain nonprofit organizations that provide services to MBEs as one of their primary activities; and
  • A three-pronged approach to promote economic resiliency for minority businesses: an annual forum to review problems and programs relating to MBE capital formation, a study and report on alternative financing solutions for MBEs, and entrepreneurship education grants for certain institutions of higher education to develop and implement entrepreneurship curricula.
As a result, in 2024, MBDA helped businesses secure over $3.2 billion in contracts and $1.6 billion in capital and helped create and retain over 23,000 jobs.
Little wonder then, why Congresswoman Maxine Waters, Ranking Member of the House Financial Services Committee spoke in clear and quick opposition to the cutbacks. 
“As history shows, generations of segregation and subjugation faced by communities of color have contributed to a lack of wealth building opportunities and a horribly unequal playing field,” noted Waters. “The MBDA was established in 1969 within the first 100 days of President Nixon’s presidency as the only federal agency solely dedicated to the growth of minority business enterprises. Not even Nixon could turn a blind eye to how rigged the system was against communities of color.”
It is equally true that access to capital is key to any business development.
Unlike traditional banks, the nation’s more than 1,400 CDFIs, with combined assets of over $436 billion, help finance the home, community and business dreams in underserved communities that other financial institutions do not.  The  CDFI Fund, a division of the Department of Treasury,  provides financing to CDFIs that in turn use these monies to offer technical assistance and finance loans.  
“CDFIs are on the front lines helping people and places adversely affected by high prices, not enough housing, offshoring, and deindustrialization,” wrote Brett Theodos and Noah McDaniel for the Urban Institute. “The federal government’s CDFI Fund provides foundational funding for these institutions, and other federal agencies have key roles as well. Currently, CDFIs are one of the most cost-effective tools available to federal policymakers, with every $1 in federal investment able to unlock $5 to $10 in additional private funding.”
“Over the past decade, the states with the most CDFI investment were Florida and Mississippi, both with $30 billion total (adjusting for inflation). California, Louisiana, New York, Texas, North Carolina, Wisconsin, Michigan, and Iowa round out the top 10 recipients,” Theodos and McDaniel continued. 
A significant number of U.S. Senators agree with the Urban Institute’s assessment. In a March 19 letter to Treasury Secretary Scott Bessent, 23 bipartisan Senators representing 19 states wrote:
“The CDFI Fund’s public-private partnership model aligns with this Administration’s emphasis on ensuring that taxpayer dollars are spent efficiently and with measurable impact,” wrote the Senators. “Every federal dollar injected into a CDFI generates at least eight more dollars from private-sector investment. Due in large part to the investments the Trump Administration made in the CDFI Fund in 2020, industry assets have tripled, and the number of CDFI-certified entities has risen by 40 percent.”
“In sum, more distressed communities are being served by CDFIs than ever before, more first-time buyers are receiving the financing they need to purchase a home, more community facilities are being built, and more commercial loans are reaching entrepreneurs. A reduction in the functions and operations of the CDFI Fund will have a corresponding impact on CDFI-certified entities and local communities and we urge you to avoid this unfortunate outcome,” added the Senators.
Congresswoman Waters was more direct in expressing her support for the CDFI Fund:
“We saw just how crucial a role CDFIs played during the pandemic when our nation’s biggest banks refused to deliver badly needed relief to small businesses who were hit hard by the pandemic – instead prioritizing their wealthy concierge clients.”
“Small businesses are also the heart of our communities, and when given the chance, they create millions of jobs and drive economic growth in communities that need it most. Instead of gutting these crucial programs, this Administration should be supporting small businesses, strengthening CDFIs, expanding MBDA, and confronting the unjust financial system that persists today,” Rep. Waters concluded.
Charlene Crowell is a senior fellow with the Center for Responsible Lending. She can be reached at This email address is being protected from spambots. You need JavaScript enabled to view it." data-linkindex="7">This email address is being protected from spambots. You need JavaScript enabled to view it..
 
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