Most people leave doctor visits with prescriptions, but still feel unsure—instructions make sense, but no one asks about their life. In contrast, when a provider knows your name, remembers your story, and explains care in a way that fits you, the experience feels different—and that difference matters.
"There are people who have come here after escaping violence and persecution and torture. These are communities that we have historically said, 'You are welcome here. We have the support for you. We're going to help you get established in our country.' And now, the federal government is abandoning them."
The insights from this report help us think about potential gaps in the loss mitigation waterfall and the types of homeowners who may benefit from targeted support when they experience a crisis.
That 2025 NOFO that dropped in November was the precursor of what the future's gonna look like. I strongly believe that, for the majority of wild and crazy things in that NOFO, that is what's going to drop in July of 2026. If that happens, dozens of people in the region could fall back into homelessness.
We don't get to choose how other people make use of our gifts, especially strangers. Since you don't have a relationship with Ron beyond these very generous gifts, you're not in a position to safeguard him. He's not shared this part of his life with you, and you heard about the supposed scam from others, not from Ron himself.
In 2025, the administration of US President Donald Trump ordered the US Agency for International Development to be closed; this year, it withdrew the country from 66 international organizations. Other Western nations that are plagued with high levels of debt and pressure to prioritize domestic challenges have slashed their foreign aid, too. According to projections, official development assistance dropped by 9-17% in 2025, amounting to some US$55 billion.
The government is to roll out a new £1bn-a-year support scheme designed to give people on low incomes direct access to emergency cash when they face sudden financial shocks. The Crisis and Resilience Fund, which launches in April, will run for an initial three years and replace the temporary Household Support Fund that has been extended repeatedly since its introduction during the pandemic in 2021.
Cash transforms health when four particular conditions are met. Most U.S. cash-transfer pilots have lacked them. But one major American policy does come close: the federal food-assistance program SNAP. Its success offers a road map for what effective cash assistance can look like in this country, if we choose to build on it.