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Here are recommendations for a more effective tribal-housing program from the Assessment of American Indian Housing Needs and Program, a study commissioned by HUD from the Urban Institute:

1. Attach fewer strings but rigorously enforce the rules.
2. Require that funding goes mainly to low-income households that need it most.
3. Impose constraints that will discourage tribes from spending large amounts of money on a small number of families.
4. Phase in deregulation, so tribes with small or inexperienced staffs aren't overwhelmed.
5. Bolster training and technical assistance to improve the competency of tribal-housing staffs.