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Labeling Effects of First Juvenile Arrests: Secondary Deviance and Secondary Sanctioning (Research Report)
Akiva Liberman, David S. Kirk, KiDeuk Kim

Does arresting juveniles deter or promote future offending, and how does it affect the chances of future arrests? These questions were studied through official arrest data and self-reported offending data from the Project on Human Development in Chicago Neighborhoods, using propensity score methods. First arrests increased subsequent offending and subsequent arrest through separate processes, and the effects on rearrest were substantially larger. Being labelled as an arrestee seems to trigger "secondary sanctioning" processes beyond any effects on offending. Attempts to ameliorate deleterious "labeling" effects should include efforts to dampen their escalating punitive effects on societal responses.

Posted to Web: October 24, 2014Publication Date: October 24, 2014

CHIPRA Mandated Evaluation of the Children's Health Insurance Program: Final Findings (Research Report)
Genevieve M. Kenney, Lisa Clemans-Cope, Ian Hill, Stacey McMorrow, Jennifer M. Haley, Timothy Waidmann, Sarah Benatar, Matthew Buettgens, Victoria Lynch, Nathaniel Anderson, Additional Authors

This report presents findings from an evaluation of CHIP mandated by CHIPRA and patterned after an earlier evaluation. Some of the evaluation findings are at the national level, while others focus on the 10 states selected for more intensive study: Alabama, California, Florida, Louisiana, Michigan, New York, Ohio, Texas, Utah, and Virginia. The evaluation included a large survey conducted in 2012 of CHIP enrollees and disenrollees in the 10 states, and Medicaid enrollees and disenrollees in three of these states. It also included case studies conducted in each of the 10 survey states in 2012 and a national telephone survey of CHIP administrators conducted in early 2013.

Posted to Web: October 24, 2014Publication Date: August 01, 2014

Monitoring the Impact of the Affordable Care Act on Employers (Research Report)
Fredric Blavin, Bowen Garrett, Linda J. Blumberg, Matthew Buettgens, Sarah Gadsden, Shanna Rifkin

In this report, we analyze recent trends in the employer health insurance market and the anticipated effects of the Affordable Care Act on employers, with a particular focus on small firms with fewer than 50 workers. We first present a detailed picture of the employer market by identifying preexisting trends in key outcomes that could be incorrectly attributed to the Affordable Care Act. We also analyze the literature to identify economic factors that are important in current employer and employee decisions regarding health coverage.

Posted to Web: October 23, 2014Publication Date: October 23, 2014

Housing Finance At A Glance: A Monthly Chartbook (Fact Sheet / Data at a Glance)
Laurie Goodman, Ellen Seidman, Jim Parrott, Sheryl Pardo, Jun Zhu, Wei Li, Bing Bai, Taz George, Maia Woluchem, Alison Rincon

The October edition of At A Glance, HFPC’s reference guide for mortgage and housing market data, includes updated indicators related to credit availability, the state of the GSE portfolios, and the latest mortgage origination and housing market projections.

Posted to Web: October 22, 2014Publication Date: October 22, 2014

CHIPRA Express Lane Eligibility Evaluation: Case Study of Louisiana's Express Lane Eligibility (Research Report)
Stan Dorn, Margaret Wilkinson, Sarah Benatar

With Express Lane Eligibility (ELE), a state's Medicaid and CHIP programs can rely on another agency's eligibility findings to qualify children for health coverage. This report examines Louisiana's experience with ELE, finding that Louisiana increased children's coverage and saved significant administrative costs. The first state to implement ELE's auto-enrollment option, Louisiana found that almost the same percentage of children obtained care, whether they enrolled (1) via standard Medicaid methods or (2) via ELE, with parents who consented to enrollment by accessing services. When the state changed procedures and required parents to consent by checking a box, enrollment declined by 62%.

Posted to Web: October 22, 2014Publication Date: January 12, 2014

Lax Enforcement and Legal Loopholes Enable Labor Trafficking Victimization (Press Release)
Urban Institute

This study chronicles the experiences of labor trafficking victims from the point of recruitment for work, their forced labor victimization, their attempts to escape and get help, and their efforts to seek justice through civil or criminal cases. The report finds that legal loopholes and lax enforcement enable labor traffickers to commit crimes against workers in major US industries: agriculture, domestic work, hotels, restaurants, and construction. Interview and case file data detail the ubiquity of trafficking, which occurs both in plain sight and behind lock and key. Detailed recommendations propose next steps for policy and practice.

Posted to Web: October 21, 2014Publication Date: October 21, 2014

Understanding the Organization, Operation, and Victimization Process of Labor Trafficking in the United States (Research Report)
Colleen Owens, Meredith Dank, Amy Farrell, Justin Breaux, Isela Banuelos, Rebecca Pfeffer, Ryan Heitsmith, Katie Bright, Jack McDevitt

This study chronicles the experiences of labor trafficking victims from the point of recruitment for work, their forced labor victimization, their attempts to escape and get help, and their efforts to seek justice through civil or criminal cases. The report finds that legal loopholes and lax enforcement enable labor traffickers to commit crimes against workers in major US industries: agriculture, domestic work, hotels, restaurants, and construction. Interview and case file data detail the ubiquity of trafficking, which occurs both in plain sight and behind lock and key. Detailed recommendations propose next steps for policy and practice.

Posted to Web: October 21, 2014Publication Date: October 21, 2014

Comment Letter on the CFPB's HMDA Mortgage Data Proposal (Document)
Ellen Seidman, Laurie Goodman, Wei Li, Carlos Martin, Jim Parrott, Kathryn L.S. Pettit, Peter A. Tatian

The Consumer Financial Protection Bureau’s (CFPB’s) comprehensive proposal to improve mortgage data collection under the Home Mortgage Disclosure Act (HMDA), released in July, 2014, is a critical first step to enhance public understanding of the mortgage market. A group of Urban Institute researchers clarifies the strengths and weaknesses of the proposal, makes suggestions for improvements, and urges fast action by the agency in this comment letter submitted to the CFPB in October, 2014.

Posted to Web: October 20, 2014Publication Date: October 20, 2014

Assessing the Proposed Housing Goals (Commentary)
Jim Parrott, Laurie Goodman, Wei Li, Ellen Seidman, Jun Zhu

By establishing annual housing goals for mortgages purchased by Fannie Mae or Freddie Mac, the Federal Housing Finance Agency (FHFA) seeks to encourage lending to creditworthy borrowers with low incomes and those in traditionally underserved communities. Setting these goals requires FHFA to walk a fine line to meaningfully expand lending to all qualified applicants without encouraging lending to borrowers who cannot sustain mortgage payments. This commentary critiques the goals proposed by FHFA for 2015 - 2017, examining three central issues: How do the goals interact with other policy issues; Should the FHFA apply both benchmark (prospective) and market (retrospective) goals; and Did the FHFA set its benchmark goals appropriately?

Posted to Web: October 20, 2014Publication Date: October 20, 2014

State Economic Monitor: October 2014 (Series/State Economic Monitor)
Richard C. Auxier

Most states ended the summer of 2014 on a positive economic note. Up from 14 states a year earlier, 25 states reported August unemployment rates below 6 percent. Every state but Alaska added jobs within the last year. But some troubling signs remain. Inflation-adjusted average weekly wages declined or did not change in 26 states. The latest issue of the State Economic Monitor describes economic and fiscal trends at the state level, highlighting particular differences across the states in employment, state government finances, and housing conditions. This issue also includes a special section on state minimum wages.

Posted to Web: October 16, 2014Publication Date: October 16, 2014

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