BILL ANALYSIS                                                                                                                                                                                                    






                           SENATE JUDICIARY COMMITTEE
                        Senator Ellen M. Corbett, Chair
                           2007-2008 Regular Session


          AB 725                                                 A
          Assembly Members Lieber and DeVore                     B
          As Amended April 28, 2008
          Hearing Date: June 10, 2008                            7
          Health and Safety Code                                 2
          BCP:rm                                                 5
                                                                 

                                     SUBJECT
                                         
                      Universal Rental Housing Application

                                  DESCRIPTION  

          This bill would require the Department of Housing and  
          Community Development to create, and affordable rental  
          housing providers to use, a universal rental housing  
          application.  That application, developed in coordination  
          with other state agencies, would be required to include  
          various information, including information contained in  
          third party rental application forms.  

          (This analysis reflects author's amendments to be offered  
          in committee.)

                                    BACKGROUND  

          The Department of Housing and Community Development (HCD)  
          is the state's principal housing agency.  HCD administers  
          over 15 different state housing programs, including several  
          that support the provision of affordable rental housing.   
          Other programs run by California state agencies include the  
          California Tax Credit Allocation Committee (TCAC), which  
          administers the federal and state Low Income Housing Tax  
          Credit Programs, the California Debt Limit Allocation  
          Committee (CDLAC), which allocates tax-exempt, private  
          activity bonds for various purposes, the California Housing  
          Finance Agency (CalHFA), which provides below market rate  
          mortgage financing to meet the housing needs of low to  
          moderate income families, including rental housing.
                                                                 
          (more)



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          With respect to the availability of affordable housing in  
          California, a report commissioned by the Corporation for  
          Supportive Housing and Housing California, found that  
          "[t]he time from waiting list sign-up to being housed can  
          take from a low of one year, to a high of 6-8 years."  Due  
          to that demand for affordable housing, housing providers  
          that receive assistance pursuant to the above programs may  
          have very long waiting lists for their housing units.   
          Faced with those waiting lists, prospective tenants  
          simultaneously apply to multiple housing providers at the  
          same time.  

          To streamline the process of filling out a rental  
          application for these affordable housing providers, this  
          bill would require the Department of Housing and Community  
          Development to create, and require affordable rental  
          housing providers to use, a universal rental housing  
          application.  That application, developed in coordination  
          with other state agencies, would be required to include  
          various information, including information contained in  
          third party rental application forms.  

          This bill was approved by the Senate Transportation and  
          Housing Committee on March 12, 2008.

                             CHANGES TO EXISTING LAW
           
           Existing law  requires a California Statewide Housing Plan  
          to be developed in cooperation with the private housing  
          industry as well as regional and local housing and planning  
          agencies and other agencies of the state. (Health & Safety   
          Code  50450.)

           This bill  would require for HCD, no later than August 1,  
          2009, to develop and adopt a universal rental housing  
          application in coordination with the Tax Credit Allocation  
          Committee, the Debt Limit Allocation Committee, and the  
          California Housing Finance Agency.  In addition to the  
          standard format, the application must be developed: (1) in  
          plain English with large font; and (2) in plain English  
          with large font and colored illustrations.   Upon request  
          by HCD,  this bill  would require the State Council on  
          Developmental Disabilities to advise and assist HCD in  
          developing those formats.  The application would be  
                                                                       




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          required to include a statement that the additional formats  
          are available upon request and downloadable on HCD's  
          website.   This bill  would require HCD to make the  
          application available for public review and comment 45 days  
          prior to adopting the application.

           This bill  would require the information on the application  
          form to include the name, age, and student status of each  
          person who will live in the household, and certain  
          specified information about the applicant, including  
          information on current assets and on any asset that was  
          disposed for less than fair market value within the past  
          two years.   This bill  would also require the form to  
          include the information required on the rental applications  
          forms of the California Apartment Association, California  
          Association of Realtor's and Apartment Association,  
          Southern California Cities'. 

           This bill  would require rental housing providers, on or  
          after November 1, 2009, to use and make available to  
          prospective tenants, not-for-profit housing assistance  
          organizations, public agencies, and others upon request,  
          the universal rental housing application.  Rental housing  
          providers would not be prevented from requesting additional  
          information from prospective tenants.   This bill  would  
          require a rental housing provider to require a rental agent  
          or property manager to make the application available upon  
          request, and to post on the leasing agent's or property  
          manager's Internet Web site, if any, a link to the  
          departments Web site containing the information and  
          accessible formats.

           This bill  would apply the above requirements to rental  
          housing providers that have received any of the following  
          and whose rental housing units are still subject to the  
          rent restrictions pursuant thereto:  (1) a loan from HCD or  
          CalHFA; (2) state or federal tax credits by the Tax Credit  
          Allocation Committee; or (3) tax-exempt bond authority  
          allocated by the Debt Limit Allocation Committee.
           
          This bill  would require HCD to post the application form  
          and the assessable formats on its Web site.   This bill   
          would require HCD, the Tax Credit Allocation Committee, the  
          Debt Limit Allocation Committee, and the California Housing  
          Finance Agency to notify rental housing providers of the  
                                                                       




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          bill's requirements after initial publication and any  
          revision to the form; and notify rental housing providers  
          who receive the funds, tax credits, or bond authority of  
          the requirements of this bill at the time of receipt.

           This bill  would require HCD to release a request for  
          proposal for the development of the accessible formats  
          required by this bill, including, but not limited to, at  
          least one test with a focus group of persons with diverse  
          disabilities.  The department is prohibited from accepting  
          a bid that is for more than $5,000.

           This bill  would provide that HCD's adoption of the  
          universal rental housing application and compliance with  
          this bill shall not be subject to the Administrative  
          Procedure Act and state that nothing in the bill shall  
          authorize HCD to adopt or amend any regulation.
           
                                     COMMENT
           
          1.    Stated need for the bill  

            According to the author:

               Because there is such an acute shortage of  
               affordable housing in California, low-income renters  
               seeking subsidized housing often must apply to many  
               developments at once in order to put their names on  
               lengthy waiting lists.  It can be challenging to  
               determine whether vacancies exist or to even locate  
               an application.  When there are vacancies,  
               applicants must fill out a different application for  
               each development, even though nearly identical  
               information is requested for each unit.

               This lack of uniformity increases the amount of time  
               and inconvenience that prospective low-income  
               renters face, and can be a serious obstacle for  
               persons with disabilities, those who have limited  
               English, and seniors.  A standardized universal  
               housing application is needed to streamline the  
               bureaucratized process of finding affordable homes.

          2.    Information that HCD must include on the universal  
            rental housing application  
                                                                       




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            Pursuant to this bill, the universal rental housing  
            application shall include, at minimum, a specified list  
            of information.  In addition to standard background  
            information about the applicant, that information must  
            also include assets disposed of by the applicant within  
            the past two years and the contents of specified third  
            party rental housing forms.  

             a)    Relevancy of information required to be contained  
               in the universal application  

               In addition to standard background information, the  
               universal rental housing application is required to  
               include information about not only the applicant's  
               current assets, but any asset that was disposed of  
               within the past two years for less than fair market  
               value.  While the current assets of an applicant would  
               be a relevant factor in evaluating their ability to  
               pay the required rent, the fact that an applicant has  
               disposed of any asset for less than fair market value  
               appears to be of questionable relevance (unless it is  
               required for tenant certification).  That category  
               would essentially require applicants to disclose any  
               gift that they had given within the past two years - a  
               disclosure that at best would indicate that an  
               applicant disposed of an asset in order to qualify for  
               affordable housing, and at worst could trigger  
               unnecessary suspicions by the housing provider that  
               the applicant will give away their assets listed on  
               the application.   

               The author's office notes that this information is  
               currently being requested on the California Tax Credit  
               Allocation Committee's (TCAC) Tenant Income  
               Certification Questionnaire, and that TCAC requests  
               the information to meet certain IRS requirements.   
               HUD's guidelines similarly provide that ". . . tenants  
               must declare whether an asset has been disposed of for  
               less than fair market value at each certification and  
               recertification." (See also 12 CFR 5.603(b)(3).)  In  
               light of those requirements, the author should explore  
               whether affordable housing providers affected by this  
               bill (beyond those receiving tax credits from TCAC)  
               require this disclosure on their rental housing  
                                                                       




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               applications, and if not, whether the requirement to  
               include that information should be deleted as  
               providers may always request additional information  
               directly from the tenant.

             b)    Third party forms with unknown future contents  
               would be required to be included within the universal  
               housing form  

               The universal housing application would also be  
               required to include specific information from the rent  
               application forms from three private entities - the  
               California Apartment Association, the California  
               Association of Realtors, and the Apartment  
               Association, Southern California Cities.  Like every  
               other form, those forms will change over time to  
               include unknown variables that, by reason of this  
               bill, must be included in the universal housing  
               application.  Aside from the cost of revising the  
               application each time one of those third parties  
               revises their rental form, this requirement would  
               allow each of those third parties to dictate  
               information that must be requested by the universal  
               housing form.  Although the Legislature may authorize  
               the inclusion of the information currently in those  
               forms (the contents may be reviewed for legality and  
               germaneness), a private third party should not have  
               the authority to mandate the inclusion of whatever  
               information they deem relevant in a form required to  
               be produced by a state agency.  To remove that  
               delegation of authority to those third parties, the  
               bill should be amended to, instead, require the  
               inclusion of information currently in those forms and  
               permit HCD to consider the inclusion of any changes  
               made to those forms in the future.  Furthermore, to  
               ensure that the required list (which would at some  
               point include outdated forms) does not require  
               information in violation of future state or federal  
               laws, the bill should clarify that nothing in the  
               section shall be construed to require the inclusion of  
               information in violation of state or federal law.

                Suggested amendments  :

                         1)  On page 4, line 18, after the comma  
                                                                       




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               insert:

                         revised 4/03,

                         2)  On page 4, line 21, before the quote  
               insert:

                         revised 1/08



                         3)  On page 4, after line 21, insert:
                                
                         (g)  The department shall consider but shall  
               not be required to                                      
               include subsequent changes to the forms specified in  
               (f)(2)(G)-(I).                                          
               Nothing in this section shall be construed to require  
               the department                                          
               to include information in violation of state or  
               federal law.

               As noted below, even if HCD does not include  
               information contained in the subsequent versions of  
               the above third party forms, applicants would still  
               benefit from not having to repeatedly fill out their  
               standard background information.  (See Comment 2(c).)

             c)    Ability for rental housing providers to request  
               other information not contained in the application  
               form from prospective tenants  

               As mentioned below, HCD, in opposition, argues that  
               since the bill allows a rental housing provider to  
               request additional information from an applicant, the  
               bill would not accomplish its purpose of having a  
               universal application.  Despite that allowance, the  
               bill would still benefit applicants by allowing them  
               to submit their universal application and  
               supplementing that application with any additional  
               needed information (avoiding the repetition of filling  
               out the same standard background information on every  
               application).  Thus, even when additional information  
               is required, the universal form serves the purpose of  
               streamlining the application process.
                                                                       




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               The ability to request additional information also  
               diminishes the need to include the future contents of  
               the above third party rental applications as  
               affordable rental housing providers would have the  
               option of requesting any omitted information from the  
               housing applicant. (See Comment 2(b).)

          3.    The bill states that rental housing providers shall  
            require a rental agent or property manager to make the  
            universal application available  

            Once a vacancy opens up requiring a prospective tenant to  
            fill out a rental application, the author maintains that  
            it can be challenging for applicants to even locate that  
            application.  To make the form more accessible, this bill  
            requires HCD to post the application on its Internet Web  
            site, and states that rental housing providers "shall  
            require a rental agent or property manager" to make the  
            application available upon request and to post a link to  
            the application on their Web site.

            Although rental agents and property managers for  
            affordable housing providers should comply with a request  
            to take those actions, it is unclear how the housing  
            provider will actually require them to do so (aside from  
            placing it in their contract with the agent or manager).   
            The authors should consider whether this provision should  
            be clarified or amended to directly require the rental  
            agent or property manger to take those steps upon  
            receiving a request from a qualified rental housing  
            provider.

          4.    Opposition by the Department of Housing and Community  
            Development (HCD), the California Housing Finance Agency  
            (CalHFA), and the Howard Jarvis Taxpayers Association

             HCD, the department required to implement the universal  
            rental housing application, and CalHFA, one of the  
            agencies required to work with HCD in the formulation of  
            that application oppose the bill for various reasons.  

            Specifically, HCD expresses concern about the ability to  
            incorporate "such a wide range of information into one  
            single rental application," and argues that the bill  
                                                                       




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            subverts its goal of a universal form by allowing housing  
            providers to require additional information other than  
            that required by this bill.  HCD also expresses fiscal  
            concerns about this bill - an issue within the  
            jurisdiction of the Senate Appropriations Committee.

            CalHFA further contends that most owners of their  
            buildings follow the suggested Department of Housing and  
            Urban Development (HUD) guidelines (one of the sources of  
            information that must be included in the universal  
            application), and that as information is updated  
            periodically they do not believe the specific revision of  
            those guidelines should be specified in statute.  Similar  
            to not specifying a date for the third party rental  
            application forms that are to be incorporated, not  
            specifying the revision of HUD guidelines would require  
            additions of unknown information to the form.  CalHFA  
            also questions the need for the bill and argues that  
            "[t]he bigger problem really appears to be that some  
            individuals have difficulty finding subsidized  
            apartments," and that this bill "would create more  
            bureaucracy with no tangible benefit."

            The Howard Jarvis Taxpayers Association, in opposition,  
            additionally contends that this bill would provide  
            additional reasons for private homeowners to stay out of  
            the government assisted housing market.

            From a public policy perspective, any steps that  
            streamline the application process for low-income  
            individuals would serve the public's interest in ensuring  
            that artificial barriers have not been enacted to the  
            attainment of affordable rental housing.  If approved by  
            this committee, the fiscal implications raised by the  
            opposition will be considered by the Senate  
            Appropriations Committee.  


          5.    Exemption from the Administrative Procedures Act  

            This bill would also provide that the HCD's adoption of  
            the universal rental housing application and compliance  
            with the requirements of this bill are not subject to the  
            Administrative Procedures Act.  Consistent with that  
            exemption, the bill states that nothing shall authorize  
                                                                       




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            HCD to adopt or amend any regulation.

          6.    Authors amendments to be offered in Committee  

            The authors offer the following amendments to be offered  
            in Committee.

            a)  On page 2, line 9, after "from" insert: "lawfully"
            b)  On page 2, line 9, strike "reasonable"
            c)  On page 4, line 10, strike out "five" and insert  
            "two"
            d) On page 4, strike out line 20 and insert:
                 (I) The information required on the Apartment  
            Association, Southern California Cities form,
           

           Support: Aging Services of California; California Alliance  
                 for Retired Americans; California Apartment  
                 Association; California Foundation for Independent  
                 Living Centers; California Rural Legal Assistance  
                 Foundation; League of California Cities; Silicon  
                 Valley Leadership Group; Western Center on Law and  
                 Poverty; Housing California

          Opposition:  Department of Housing and Community  
                    Development; California Housing Finance Agency;  
                    Department of Finance; Howard Jarvis Taxpayers  
                    Association

                                     HISTORY
           
          Source:  Author

          Related Pending Legislation:  None Known 

          Prior Legislation:  None Known

          Prior Vote:   Asm. Housing & Cmmty. Development Committee  
          (Ayes 6, Noes 0)
                   Asm. Appropriations Committee (Ayes 11, Noes 5)
                   Asm. Floor (Ayes 52, Noes 20)
                   Senate Transportation & Housing (Ayes 7, Noes 4)

                                 **************

                                                                       




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