<P> HUD Assistant Secretary for Fair Housing Roberta Achtenberg has been quoted as saying "...HUD walks a tightrope between free speech and fair housing . We are ever mindful of the need to maintain the proper balance between these rights ." Libertarian critic James Bovard commented that, "The more aggressive HUD becomes, the fewer free speech rights Americans have . Many words and phrases are now effectively forbidden in real estate ads...Apparently, there are two separate versions of the Bill of Rights--one for private citizens and the other for federal bureaucrats and politicians". </P> <P> In 2006, The Village Voice called HUD "New York City's worst landlord" and "the #1 worst in the United States" based upon decrepit conditions of buildings and questionable eviction practices . </P> <P> In September 2010, HUD started auctioning off delinquent home mortgage loans, defined as at least 90 days past due, to the highest bidder . It sold 2,000 loans in six national auctions . In 2012, this sale was massively increased under a "Distressed Asset Stabilization Program" (DASP), and the 100,000 loans sold as of 2014 have netted 8.8 billion for the FHA, rebuilding cash reserves that had been depleted by loan defaults . The second stated and eponymous objective is to stabilize communities, by requiring purchasers to service the loans in a manner that stabilizes the surrounding communities by getting the loans to re-perform, renting the home to the borrower, gifting the property to a land bank or paying off the loans in full . An audit published August 2014 found "only about 11 percent of the loans sold through DASP (were) considered' re-performing"'. "Rather than defaulting--(FHA) keeps many of the properties they're tied to from going through the typical foreclosure process . As a result, the FHA might actually be diverting housing stock from first - time homebuyers, the very group it was formed to serve ..." </P> <Ul> <Li> 1944--Servicemen's Readjustment Act, Pub. L. 78--346 </Li> <Li> 1949--Housing Act, Pub. L. 81--171 </Li> <Li> 1950--Housing Act, Pub. L. 81--475 </Li> <Li> 1951--Defense Housing Act, Pub. L. 82--139 </Li> <Li> 1952--550 Veterans Readjustment Assistance Act, Pub. L. 82--325 </Li> <Li> 1954--Housing Act, Pub. L. 83--560 </Li> <Li> 1959--Housing Act, Pub. L. 86--372 </Li> <Li> 1962--Senior Citizens Housing Act, Pub. L. 87--723 </Li> <Li> 1965--Housing and Urban Development Act of 1965, Pub. L. 89--117 </Li> <Li> 1965--Department of Housing and Urban Development Act, Pub. L. 89--174 </Li> <Li> 1968--Housing and Urban Development Act, Pub. L. 90--448 </Li> <Li> 1974--Housing and Urban Development Act, Pub. L. 93 - 383 </Li> <Li> 1976--Housing and Urban Development Act, Pub. L. 94 - 375 </Li> <Li> 1986--Tax Reform Act of 1986, Pub. L. 99 - 514 <Ul> <Li> Low - Income Housing Tax Credit </Li> </Ul> </Li> <Li> 1987--Housing and Community Development Act of 1987, Pub. L. 100--242 </Li> <Li> 1987--Stewart B. McKinney Homeless Assistance Act, Pub. L. 100--77 </Li> <Li> 1989--Department of Housing and Urban Development Reform Act of 1989, Pub. L. 101--235 </Li> <Li> 1990--Cranston - Gonzalez National Affordable Housing Act, Pub. L. 101--625 </Li> <Li> 1992--Housing and Community Development Act of 1992, Pub. L. 102--550 <Ul> <Li> Federal Housing Enterprises Financial Safety and Soundness Act of 1992, U.S. Code: Title 12, Chapter 46 </Li> </Ul> </Li> <Li> 2009--American Recovery and Reinvestment Act of 2009, abbreviated ARRA, Pub. L. 111--5 <Ul> <Li> Repairing and modernizing public housing, including increasing the energy efficiency of units, $4 billion to the Department of Housing and Urban Development (HUD) </Li> </Ul> </Li> </Ul>

What act created hud’s office of housing counseling