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THE COMMONWEALTH OF MASSACHUSETTS
Executive Office of HousingEconomic Development
Deval Patrick Governor
Tim Murray Lt. Governor
Daniel O'Connell Secretary
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Executive Office of Housing

Economic Development
Report card for July September 2008
Daniel OConnellS E C R E T A R Y
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Table of Contents
E.O.H.E.D QUARTERLY HIGHLIGHT
4Report Card By Division
PERMITTING
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BUSINESS DEVELOPMENT 17Business
Development Domestic Operations (p.18)Business
Development International Operations
(p.21)Business Development Small Business
Operations (p.24)Business Development Travel and
Tourism Operations (p.29)
HOUSING AND COMMUNITY DEVELOPMENT
32Community Assistance (p.33)Homelessness
(p.38)Housing Development (p.44)Public Housing
(p.48) Rental Assistance (p. 53)
CONSUMER AFFAIRS AND BUSINESS REGULATIONS
56Division of Insurance (p.57)Division of Banks
(p.59)Division of Standards (p.61)Division of
Professional Licensure (p.62)State Racing
Commission (p.63) Department of
Telecommunications and Cable (p.64)Consumer
Hotline Services (p.65)OCA Consumer Dispute
Resolution Services (p.66)Outreach and Education
(p.68)
Executive Office of HousingEconomic
Development

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E.O.H.E.D QUARTERLY HIGHLIGHTS
E.O.H.E.D QUARTERLY HIGHLIGHTSEmployment
HighlightsThe Massachusetts unemployment rate in
September 2008 was below the national average for
the sixteenth consecutive month. The
unemployment rate rose to 5.3 percent from
5.2 percent in August. The national unemployment
rate for September was 6.1 percent.
Massachusetts lost 3,800 jobs in September,
following an increase of 1,800 jobs in
August. For the month, the state lost jobs in
Financial Services, Construction, Leisure
Hospitality, Education and Healthcare, and
Manufacturing. Employment increased in
Information and the subsector of Professional,
Scientific and Technical Services. Overall, the
employment data shows that the state is
outperforming the nation despite the clear and
negative effects of the downturn on the
Massachusetts economy.
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E.O.H.E.D QUARTERLY HIGHLIGHTS
E.O.H.E.D QUARTERLY HIGHLIGHTS
Foreclosure InitiativesWorkshops The Patrick
administration and local governmental officials
continue to host foreclosure prevention workshops
in the states hardest hit regions. These
workshops connect homeowners directly with their
lenders to achieve solutions that keep people in
their homes and help to stabilize neighborhoods.
Workshops in Springfield, Brockton, Worcester and
Lawrence have helped more than 1,000 borrowers. A
future workshop is also scheduled for
Revere. Grant Awards The Patrick administration
awarded grants totaling 2 million to support 11
regional foreclosure education centers, statewide
foreclosure prevention efforts and first-time
homebuyer programs, funded through licensing fees
collected from mortgage loan originators. These
grants have already supported counseling for
2,700 homeowners.
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E.O.H.E.D QUARTERLY HIGHLIGHTS
E.O.H.E.D QUARTERLY HIGHLIGHTS
Low Income Home Energy AssistanceThe Low Income
Home Energy Assistance Program (LIHEAP), which
provides assistance with home heating for
low-income households in Massachusetts, is
administered by the Department of Housing and
Community Development. At the height of summer,
Governor Patrick, Senate President Murray, and
House Speaker DiMasi launched the Winter Energy
Costs Task Force in response to record home
heating oil prices and the looming energy burden
facing Massachusetts residents.  The task force
was chaired by Energy and Environmental Affairs
Secretary Ian Bowles, with substantial leadership
and support from DHCD Undersecretary Tina Brooks
and her staff. The task force convened public
hearings in Springfield, Fall River, Haverhill,
and Boston.  The testimony received raised public
awareness and will produce recommendations that
will assist and help all residents, particularly
elderly and low-income during the upcoming
heating season.In response to the crisis, the
Massachusetts Legislature approved an additional
10 million in funding to LIHEAP. As a result of
intense federal lobbying by the Patrick
Administration and Congressional delegation, the
FY09 LIHEAP program was funded by Congress at the
fully authorized appropriation of 5.1 billion
for the first time. Massachusetts share is
163,137,000.  The Weatherization Program will
also double its funding from DOE to 13 million
in FY09.  As a result of DPU legislation, the
utility low income discount rate will be
increased and will result in a 300 to 500
savings during the heating season for these
households.
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E.O.H.E.D QUARTERLY HIGHLIGHTS
E.O.H.E.D QUARTERLY HIGHLIGHTS

• Broadband InitiativeOn August 4, 2008, Governor
  Patrick signed the broadband bond bill into law.
  The new law will bridge the digital divide that
  persists predominantly in western Massachusetts
  by providing 40 million in bonds from the
  newly-created Broadband Incentive Fund to
  construct fiber, wireless towers and other
  critical and long-lived broadband infrastructure.
  Targeted state investments will attract and
  complement private sector investment, making it
  more cost-effective for private providers to
  deliver solutions for customers in regions
  without broadband coverage.
• Since the bill signing on August 4, there has
  been sustained engagement and forward momentum
• Ramp-up of MBI activities and staffing.
• Transition of programmatic activities from within
  John Adams Innovation Institute/MTC to new
  Massachusetts Broadband Institute (MBI) within
  MTC.
• Bi-weekly team meetings and development of
  interagency working group.
• Drafting and finalization of Call for Solutions
  (formally released on October 6, 2008).
• MBI Director job specification finalized and
  preparations for job posting executed.

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E.O.H.E.D QUARTERLY HIGHLIGHTS
E.O.H.E.D QUARTERLY HIGHLIGHTS

• The Life Sciences InitiativeThe first quarter of
  FY2009 was very busy for the Massachusetts Life
  Sciences Center (MLSC), which is Co-Chaired by
  Secretary Dan OConnell and led by its newly
  constituted Board of Directors and President and
  CEO, Dr. Susan Windham-Bannister. Quarterly
  highlights of the implementation of the Life
  Sciences Initiative include
• The launch of the International Stem Cell
  Registry (ISCR) at the University of
  Massachusetts Medical School. The ISCR provides
  an online resource of information on human
  embryonic stem cells (hESCs) to the academic and
  private sector biomedical research community and
  to the public.
• The release of the Life Sciences Talent
  Initiative (LSTI) study jointly sponsored by the
  MLSC and the Massachusetts Biotechnology Council,
  in close collaboration with EOHED and dozens of
  stakeholders from industry, academia and state
  government.

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E.O.H.E.D QUARTERLY HIGHLIGHTS
E.O.H.E.D QUARTERLY HIGHLIGHTS
Growth District Initiative (GDI)EOHED continued
to advance the Governors agenda to create new
development ready districts, similar to Devens,
in communities across the state. The GDI
designation is a formal recognition that a
municipality has advanced planning and
development sufficiently to be considered primed
for significant commercial residential or
mixed-use development. The Legislature recently
authorized a 50 million bond allocation to
support infrastructure investments in the Growth
Districts. In the first quarter of FY2009, new
Growth Districts were designated in the Cities of
Springfield and Lowell. Industry Spotlight on
Maritime CommerceIn September, EOHED held
roundtables with business and community leaders
and other events in Massachusetts communities
with maritime industries. Meetings were held in
Gloucester, New Bedford, Salem, Boston and on
Cape Cod. Maritime commerce includes businesses
linked to industries dependent on coastal and
offshore waters use. Industries like commercial
fishing including harvesting, processing and
distribution coastal tourism and recreation
shipbuilding transportation, and waterway
transportation are typical activities that
comprise this industry sector. The Patrick
Administration brought together these groups of
businesses to look at their collective needs and
unique characteristics.
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Permitting
PERMITTING
April Anderson Lamoureux, Ombudsman The
Massachusetts Permit Regulatory Office, created
by the legislature, works with new and
existing businesses to help foster job creation
efforts by assisting with permitting, licensing,
and regulatory processes. The Director of the
Office serves as the state permit ombudsman to
municipalities and businesses, and Chair of the
Interagency Permitting Board, which administers
the Chapter 43D Expedited Permitting Program. 
The Office works in partnership with
MassDevelopment, Regional Planning Agencies, and
the Massachusetts Alliance for Economic
Development to accomplish its core mission.
1 Ashburton Place, Suite 2101Boston, MA
02108617-788-3670april.a.anderson_at_state.ma.us
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Permitting
Massachusetts Permit Regulatory Office
Expedited Permitting Program - Chapter 43D As of
September 30, 2008 51 communities across the
state have adopted one or more Priority
Development Sites 7 new communities added this
quarter 85 Priority Development Sites have
been ratified by the Interagency Permitting
Board 16 new Priority Development Sites added
this quarter In FY09, 420,000 in Chapter 43D
Technical Assistance Funds have been granted to
municipalities Since its inception in January
2007, MPRO has awarded 5,691,342 to
communities
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Permitting
Massachusetts Permit Regulatory Office
Expedited Permitting Program - Chapter 43D
Comparison Chart
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Permitting
Massachusetts Permit Regulatory Office
State Permit Tracking MPRO instituted a state
permit tracking system for commercial and housing
projects entering the





MEPA process (Massachusetts
Environmental Policy Act), and results are
published on the state web site. This is the
first time that the Commonwealth has
systematically monitored and publicly reported
its permit issuance performance. The project
tracking list consists of projects that filed an
Environmental Notification Form (ENF) with MEPA
beginning January 1, 2007. The list includes
all commercial, industrial, and mixed use
development projects, and housing projects
developing more than 50 new units and with a
density of at least 4 units per acre. The
project tracking list has 111 projects meeting
the above criteria. As of September 30, 2008,
51 of projects have completed state permitting
within six months or less.
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Permitting
Massachusetts Permit Regulatory Office
State Permit Tracking
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Permitting
Massachusetts Permit Regulatory Office
Key Points of Note this QuarterGrowth
Districts The Governor visited communities to
announce the majority of designated growth
districts as part of our Growth Districts
Initiative (GDI). Sixteen locations representing
all regions across the state will be announced.
EOHED will partner with municipalities that
have identified one or more areas within their
communities as being appropriate locations for
significant new growth, whether commercial,
residential or mixed-use. Within those identified
growth districts, EOHED will work with the
community and property owners to make the
district truly development ready with respect
to local permitting, state permitting, site
preparation (including brownfields remediation),
infrastructure improvements, and
marketing. Growth Districts and their
designation date 1. Innovation Square at WPI
in Worcester, February 26, 2008 2. Downtown
Haverhill, April 9, 2008 3. Chicopee River
Business Park, April 12, 2008 4. Devens,
February 26, 2008 5. SouthField in Weymouth,
April 24, 2008 6. Attleboro Industrial
Business Park, May 8, 2008 7. Hicks Logan
Sawyer District in New Bedford, May 8, 2008 8.
Pittsfield Urban Center, May 16, 2008 9.
Waterfront Square at Revere Beach, May 20,
2008 10. Springfield Downtown Revitalization,
July 7, 2008 11. Hamilton Canal at Lowell,
September 3, 2008
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Permitting
Massachusetts Permit Regulatory Office
Key Points of Note this QuarterZoning Reform
MPRO has convened a Zoning Reform Task Force to
examine the current zoning and planning system in
the State and to work with the Legislature to
develop amendments that would improve zoning and
planning in Massachusetts.  The Task Force
represents a broad base of constituencies and
meets twice-monthly. Ten regional meetings
were hosted across the State to engage
municipalities and local interest groups in the
discussion. The objective of the Task
Force is to file zoning reform legislation in
December 2008 that represents consensus
among the various stakeholders.Regional
Planning MPRO has begun to pilot a regional
planning process of working with multiple
neighboring municipalities on shared objectives.
Coordinating among five communities along
the newly expanded Route 3 (Burlington, Bedford,
Billerica, Chelmsford, and Lowell) to
investigate regional infrastructure shortfalls,
desired growth patterns, and branding of a new
technology corridor. Coordinating with
the Cities of Leominster, Fitchburg and Gardner,
and the surrounding communities in addressing
the opportunities and challenges of maintaining
a robust manufacturing sector in this region.
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Department of Business Development
DEPARTMENT OF BUSINESS DEVELOPMENT
Greg Bialecki, Undersecretary The mission of the
Massachusetts Department of Business Development
(DBD) is to promote economic growth by assisting
in-state, out-of-state, and international
businesses of all sizes in creating new jobs and
expanding their presence in Massachusetts to
make it easier for minority and women owned
businesses to succeed, and to increase the number
of domestic and international tourists visiting
the Commonwealth.
1 Ashburton Place, Suite 2101Boston, MA
02108617-788-3670greg.bialecki_at_state.ma.us
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Department of Business Development
Business Development - Domestic Operations
The Massachusetts Business Resource Team (BRT),
which is coordinated by MOBD, acts as a single
point of contact for all of the resources and
incentives available to businesses.  Through the
BRT, firms can engage over 25 state and
quasi-public organizations offering Site
selection assistance Workforce training
grantsTax incentives and financing options
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Department of Business Development
Business Development - Domestic Operations
Closed Deals
As estimated by firms Economic Multiplier
based upon expenditures of 619,765 (FY08 Q1),
3,150,269 (FY08 total), and 649,308 (FY09 Q1).
Formula(benefits-costs)/costs
Jobs Pipeline Sector Breakdown (82,269 Jobs)
45,537
36,732
Jobs Pipeline
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Jobs to be Created
Jobs to be Retained
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Department of Business Development
Business Development - Domestic Operations
Key Points of Note this Quarter
Glynn Electric Glynn Electric, Inc was started in
1984, incorporated in 1986, and they have been in
the town of Plymouth since 2004.  Their company
is an electrical contractor specializing in
commercial and residential construction.  Their
work area covers Cape Cod Islands, north along
the coast up into Southern New Hampshire, and as
far west as Worcester.   In an effort to gain a
competitive advantage, Glynn Electric started a
new division within their business for
pre-fabricating assemblies that they use on their
projects.  They purchased a dilapidated facility
at the Plymouth Airport on South Meadow Road and
converted it into a warehouse, and assembly and
distribution center.  Their plans call for an
expansion in two phases, they immediately invested
30,000, and will spend a total of 2,500,000 in
total construction expense over the course of the
project, and create 5 full-time
jobs. Paratek Paratek Pharmaceuticals, Inc. is a
privately held biopharmaceutical company
headquartered in Boston, MA, which is engaged in
the discovery and commercialization of new
therapeutics that treat life threatening
infectious diseases.  They recently made a
decision to move and expand to One Harbor Street
in Bostons Marine Industrial Park.  The
expansion is driven in part by the progress of
the projects Paratek has in the development
pipeline.  They currently have 61 employees and
plan to hire 50 new employees over the next two
years.  The private investment for the build-out
of the new location is 24 million.  The new
facility is in Bostons Empowerment Zone.  The
company plans to hire as many qualified
individuals that currently reside in the zone as
possible.
New England Precision Grinding New England
Precision Grinding (NEPG) is a manufacturer of
precision instruments for the medical industry
based in Holliston.  They recently acquired a
company called Accumet laser in Cranston, RI and
were looking to combine both companies in a
single location, with an eye on further growth
and expansion.  They considered both MA and RI as
possibilities, and eventually found a suitable
location in Franklin.  The town of Franklin and
MOBD all worked together quickly and efficiently
to provide NEPG with local tax increment
financing and seal the decision to stay in MA. 
They were approved as a certified project on
September 25, 2008 and are looking to move in the
first quarter of 2009.  They will be bringing 54
jobs from Rhode Island to MA, will retain the 99
jobs they already have here, and plan on adding
164 new jobs to the Commonwealth over the next
ten years.
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Department of Business Development
Business Development - International Operations
The Massachusetts Office of International Trade
and Investment (MOITI) is charged with marketing
the states businesses internationally, through
focused export promotion, attracting foreign
companies to invest in Massachusetts and handling
protocol as it relates to trade and investment.
MOITI has continued to attract foreign direct
investment (FDI) and has increased its tradeshow
presence, which has allowed for more local firms
to expand their global exposure.
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Business Development - International Operations
Pipeline Jobs Sector Breakdown (579 Jobs)
Jobs Pipeline(gt50 Probability)
Closed Deals Jobs Sector Breakdown (180 Jobs)
Closed Deals
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As estimated by firms Economic Multiplier
based upon expenditures of 127,158 for FY08 Q1,
508,632 for FY08 total, and 156,250 for FY09
Q1. Formula(benefits-costs)/costs
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Business Development - International Operations
Key Points of Note this Quarter China
Secretary Cohen and MOITI attended the CPN China
Week Conference mid-July. The trip arranged by
MOITI also included meetings with the Department
of American Oceania Affairs, the Ministry of
Commerce, the China Investment Promotion Agency
(CIPA) and the China Investment Corporation.
MOITI had a speaking role at the Annual China
International Fair for Investment Trade held in
Xiamen, Fujian Province, as well as a physical
presence in the US Pavilion.Beijing Office
Opening Exclusively dedicated to Massachusetts,
the opening of the Beijing office will create
more opportunities for Massachusetts companies
with the rapidly growing Chinese economy, while
promoting relations with Chinese government
officials. MOITI will continue to be the main
contact for business development between
Massachusetts and China.Tradeshows The
Massachusetts pavilion at MEDICA, scheduled for
November 19-22 in Dusseldorf, Germany, is sold
out. MOITI is currently in the recruitment
process for upcoming shows in the winter and
spring tradeshow season including CeBit, Arab
Health and Energy.
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Department of Business Development
Business Development - Small Business Operations
The Office of Small Business and Entrepreneurship
(OSBE) administers the Small Business Technical
Assistance Grant (SBTAG) Program to provide
grants to community development corporations,
community development financial institutions and
non-profit community-based organizations in order
to provide technical assistance or training
programs to businesses with 20 employees or
fewer. In partnership with the U.S. Small
Business Administration, the Department of
Business Development, and a consortium of higher
educational institutions led by the University of
Massachusetts Amherst ,the Massachusetts Small
Business Development Center (SBDC) provides
statewide in- depth advising, training and
capital access contributing to the
entrepreneurial growth of small businesses
throughout the Commonwealth. The State Office
of Minority and Women Business Assistance
(SOMWBA) is charged with promoting the
development of business enterprises and
non-profit organizations owned or operated by
minorities and women.
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Department of Business Development
Business Development - Small Business Operations
State Office of Minority Women Business
Assistance
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Department of Business Development
Business Development - Small Business Operations
Small Business Technical Assistance Grant Program
Self-reported by grant recipients There were
no grants awarded or measured in both FY08 Q1 and
FY09 Q1
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Department of Business Development
Business Development - Small Business Operations
Massachusetts Small Business Development Center
Network
Because of federal reporting deadlines, MSBDC
figures through September 2008 are not yet
complete. Loans and job creation and retention
figures are certified by Companies. Figures
reflect activity through 8/31/08. This figure
represents actual expenditures through August
31st of the respective fiscal year.
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Department of Business Development
Business Development - Small Business
Operationsand Minority Woman Owned Enterprises
Key Points of Note this Quarter The FY08
Small Business Technical Assistance Grant Program
concluded at the end of this quarter. With a
smaller appropriation than the previous year, we
were still able to fund 29 programs across the
state. We had an increase over last year in each
of our success measurements. We will continue to
watch these figures and expand our measurements
of success and best practices with this program.
At SOMWBA, the agency continues to align
public and private sector partners to increase
the economic value of certification. Although
certification is the primary function of the
Agency, it has successful developed partnerships
with private sector firms to advance business
opportunities for minority and women owned. The
intake of new business continued to remain at
target levels as the Agencys efforts are focused
on targeting specific businesses to fill industry
and geographical gaps.
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Department of Business Development
Business Development - Travel Tourism Operations
The Massachusetts Office of Travel and Tourism
(MOTT) is charged with promoting the
Commonwealths friendly, family-oriented
environment set in the midst of a rich historical
and cultural tradition. Tourism ranks as one of
our largest economic sectors, contributing direct
spending of 15.1 billion and supporting over
127,800 jobs. In recent years, MOTTs available
funds for advertising, provided by the
Legislature, have been steadily increasing, as
have the returns on those advertising dollars.
With its continued increase in funding, we expect
MOTTs advertising expenditures to assist in
expanding the tourism industry throughout the
Commonwealth.
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Department of Business Development
Business Development - Travel Tourism
Operations
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.
REVPAR (Hotel Revenue per Available Room) and
Average Room Rate are not directly impacted by
government, but provide useful guidance for the
health of the industry. September lodging
results not yet available.
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Department of Business Development
Business Development - Travel Tourism Operations

• Key Points of Note this Quarter (July August)
  MOTTs metrics reflect the seasonality of
  tourism. However, overall numbers are up
  significantly and compare favorably to U.S.
  averages. Some highlights from FY09 through
  August, 2008 compared to same period in prior
  fiscal year Room Tax Collections up 3.5
  Room Revenue up 4.0 Room Demand up
  1.0 Room Rate up 3.1 Occupancy Rate
  down 1.2 RevPar up 1.0MOTT recently
  received the CY2007 Economic Impact report which
  showed that total direct spending by travelers to
  MA increased by 6.6 to 15.1 billion. A traveler
  is one who travels 50 or more miles one way to a
  destination or who stays overnight.

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Department of Housing and Community Development
DEPARTMENT OF HOUSING AND COMMUNITY DEVELOPMENT
Tina Brooks, UndersecretaryThe mission of DHCD
is to strengthen cities, towns and neighborhoods
to enhance the quality of life of Massachusetts
residents. To accomplish our mission, we will
provide leadership, professional assistance and
financial resources to promote safe, decent and
affordable housing opportunities, the economic
vitality of communities and sound municipal
management. We will forge partnerships with
regional and local governments, public agencies,
community-based organizations and the business
community to achieve our common goals and
objectives. In all of these efforts, we will
recognize and respect the diverse needs,
circumstances and characteristics of individuals
and communities.
100 Cambridge St. Suite 300Boston, MA
02114617-573-1100tina.brooks_at_state.ma.us
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Department of Housing and Community Development
Community Assistance
The Community Assistance Unit was created to
renew and strengthen the Patrick Administrations
partnership with municipalities by providing a
wide range of technical assistance and training
to communities in the areas of municipal
governance, planning, land use and zoning, and
community development. This assistance will
result in an increase in the Commonwealths
affordable housing stock, the adoption of smart
growth initiatives, and downtown and city/town
center revitalization. Technical assistance
and training includes one-on-one staff
assistance, professional and peer consultants,
written materials, desktop assistance, and formal
presentations (e.g., PowerPoint). Workshops
include topics such as 40B and planning for
affordable housing land use and zoning (in
conjunction with the Citizen Planners Training
Collaborative) and the economics of downtowns,
recruitment and retention of businesses, design,
promotion and marketing, parking, and Business
Improvement Districts (through DHCDs
Massachusetts Downtown Initiative).
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Department of Housing and Community Development
Community Assistance
Community Assistance by the Numbers
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Department of Housing and Community Development
Community Assistance
Smart Growth/40R Related Projects by the Numbers
DHCD only receives building permit information in
conjunction with requests for bonus payments or
as part of annual 40R reporting requirements. As
such, depending on the time of year, building
permit information provided in this report may
not fully reflect all 40R permits that have been
issued.
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Department of Housing and Community Development
Community Assistance

• Key Points of Note this QuarterThe Community
  Assistance Unit (CAU) designed the Gateway Plus
  Action Grant, providing up to 2 million to
  communities to support local planning efforts to
  expand housing opportunities, build and sustain
  civic engagement, and support the revitalization
  of mixed-income neighborhoods. The Notice of
  Funding Availability was issued on 9/17/08 and
  applications are due on 10/17/08. Grants up to
  75,000 are available to communities that meet
  the following criteria population greater than
  35,000 median household income less than the
  states average per capita income less than the
  states average and educational attainment rates
  less than the states average. 40R/40S
  workshops were held in Leominster and
  Southborough, while presentations on Business
  Improvement Districts (BIDs) were made to
  Wakefield and Reading representatives.    A 40B
  presentation was held in Barnstable for Zoning
  Board of Appeal members from Yarmouth,
  Barnstable, Dennis, Sandwich, Falmouth, Truro,
  Orleans, Provincetown, Wellfleet, Chatham,
  Brewster, Eastham and Bourne.  The Cape Cod
  Commission was also represented.  The CAU
  assisted communities interested in examining and
  improving their local government structures,
  including Hamilton, North Attleboro, Palmer,
  Sharon, and Uxbridge. The CAU also acted as a
  resource to charter commissions elected in
  Barnstable and Saugus and a task force looking to
  better coordinate government functions appointed
  by Somervilles Mayor Curtatone. This
  quarter, two 40R districts were locally approved
  Lowells 250-unit district in the
  Jackson/Appleton/Middlesex urban renewal area and
  Pittsfields 296 unit-district in its downtown.

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Department of Housing and Community Development
Community Assistance

• Key Points of Note this Quarter (continued)The
  price of home heating oil continued to climb to
  record highs throughout the FY08 heating season.
  The FY08 LIHEAP benefit purchased only one tank
  of heating oil and supported up to 50 of an
  average households heating cost, whereas two
  years ago the program was able to support up to
  80 of a low income households average heating
  bill. The combined state and federal allocation
  in FY08 was 141,441,624.  With the availability
  of carryover funds, federal contingency and
  leveraging funds, the program provided a maximum
  benefit of 1,165 for deliverable fuel (Oil,
  Propane, Kerosene) and 1,085 for utility
  clients.At the height of summer, Governor
  Patrick, Senate President Murray, and House
  Speaker DiMasi launched the Winter Energy Costs
  Task Force in response to record home heating oil
  prices and the looming energy burden facing
  Massachusetts residents.  The task force convened
  public hearings in Springfield, Fall River,
  Haverhill, and Boston.  The testimony received
  raised public awareness and will produce
  recommendations that will assist and help all
  residents, particularly elderly and low-income
  during the upcoming heating season.As a result
  of intense federal lobbying by the Patrick
  administration and Congressional delegation, the
  FY09 LIHEAP program was funded by Congress at the
  fully authorized appropriation of 5.1 billion
  for the first time. Massachusetts share is
  163,137,000.  Also, in response to this crisis
  the MA Legislature approved an additional 10
  million in funding.  The Weatherization Program
  will also double its funding from DOE to 13
  million in FY09.  As a result of DPU legislation,
  the utility low income discount rate will be
  increased and will result in a 300 to 500
  savings during the heating season for these
  households.

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Department of Housing and Community Development
Homelessness
The Commonwealths approach to reducing
homelessness is designed as a continuum of
services provided through a partnership of DHCD
and the Executive Office of Health and Human
Services (EOHHS).   DHCD works to ensure that a
network of services leading to greater
self-sufficiency and continuum of housing
opportunities are in place for those presently
homeless or at risk for becoming homeless. 
Strategies focus on the key stages in the cycle
of homelessness early intervention programs
help to prevent households from becoming
homeless improved coordination across
services enhances enrollment into benefit
programs for homeless people permanent
supportive housing improves the care and quality
of life for the chronic homeless, many of whom
are unable to live independently without
significant assistance            EOHHS is
primarily responsible for the emergency shelter
and transitional housing for homeless persons and
families and for providing housing search
services, while DHCD aims to provide these
persons and families with permanent, affordable
housing options whether it be public housing,
rental assistance or homeownership.Undersecretar
y Brooks co-chaired of a special commission in
2007 convened for the purpose of devising a
statewide strategy to end homelessness in the
Commonwealth.  The commission coordinated state
agencies with the goal of improving the current
systems of shelter and support for homeless
families and individuals and implementing a
coordinated and consolidated plan for permanent
solutions to homelessness involving not just
housing, but economic development and job
creation as well. The Commissions work has now
been passed on to the Interagency Council on
Housing and Homelessness, chaired by Lieutenant
Governor Murray, which is working to coordinate
all government agencies in our effort to end
homelessness.
38
39
Department of Housing and Community Development
Homelessness
Success of Families and Individuals in
Asset-Building Programs Homeownership and Asset
Growth
Note It generally takes some time after
enrolling in a program such the IDA program for a
participant to purchase a home. 1 August Home
Purchase reported in the fourth quarter. 2
Represents a total of 283,057.03 divided by 25
payments made in FY08 to date 3 Represents a
total of 283,502.06 divided by 26 payments made
in FY09 to date
39
40
Department of Housing and Community Development
Homelessness
Number of Families/Individuals in Asset Building
Programs
1 This is a point in time number that does not
change much month to month, so a quarterly number
is not applicable. 2 The data reflects total
enrollment for both the FY07 and FY08 programs.
Also, data was underreported in the last quarter.
The numbers have been corrected in this report.

40
41
Department of Housing and Community Development
Homelessness
Number of Families/Individuals who received
assistance through prevention programs and
special initiatives
114 of HCEC clients are identified as homeless.
26 identify as at-risk of homelessness. 19 of
clients are seeking help for evictions. Requests
for information about homeless services and
shelters increased 90 this quarter from the same
time last year. 2Data only available through May
31, 2008. 3Program opened 9/17/07 no data
available. 4 FY08 Total adjusted from last
quarter 4,396 additional households received
payments after the reporting period.
Applications for the FY09 LIHEAP program year
will begin to be accepted on 11/1/08. 5As of
9/1/08.
41
42
Department of Housing and Community Development
Homelessness
Number of Families/Individuals who received
permanent housing through specialized housing
programs initiatives
1Shelter Plus Care has a baseline of 255 and can
fluctuate at various levels of use above
255. 2This is a point in time number that does
not experience significant change month to month,
so a quarterly number is not appropriate.
42
43
Department of Housing and Community Development
Homelessness

• Key Points of Note this QuarterDHCD has agreed
  to set aside up to 100 Section 8 vouchers in CY
  2009 to be used as an expansion of our
  welfare-to-work JOBLink program. In 1999,
  Congress appropriated funds to support 50,000
  welfare-to-work vouchers and DHCD received 2000
  of them, the largest increment awarded in the
  country.  JOBLink helps families to make a
  successful transition from welfare to work by
  providing tenant-based rental assistance to meet
  their critical housing needs in exchange for the
  head of household (and/or spouse) committing to
  seek and maintain employment, and take active
  steps to seek re-employment if they lose their
  job as a condition of continued
  eligibility. Massachusetts program started in
  2000.  Initially, DTA supported the costs
  for case management services for the program but
  had to withdraw this support after the first few
  years because of lack of funds.   DHCD and DTA
  are currently in discussion about re-energizing
  this program, targeting its expansion to homeless
  families in shelter who meet the JOBLink
  criteria. If all the details can be
  satisfactorily addressed, we expect to begin the
  expansion by late 2008/early 2009.In an effort
  to better track how state public housing is
  playing a pro-active role in re-housing homeless
  families in the Commonwealth, DHCD began
  collecting weekly data about how many homeless
  families are being placed in state public housing
  units on September 18. In the second-half of
  September alone, housing authorities placed 69
  shelter families in subsidized housing, including
  32 in state-aided public housing, 33 in federal
  public housing, and 4 with Section 8 vouchers.

43
44
Department of Housing and Community Development
Housing Development
The Division of Housing Development manages the
state resources available to support the
production and preservation of privately-owned
affordable housing. The key resources are the
federal and state Low-Income Housing Tax Credit,
tax-exempt bonds, the federal HOME program, and
multiple state bond programs in support of rental
and ownership projects. The divisions resources
are substantial. In 2009, the division will
oversee the allocation of federal and state
credits capable of generating almost 250 million
in equity for affordable rental projects in the
capital markets. In addition, the division will
oversee the allocation of over 90 million in
subsidy funds available through HOME and the
state bond programs in support of affordable
rental and ownership projects. Although the
resources are substantial, demand always exceeds
the available supply of funds. The divisions
annual funding competitions two for rental
projects, one for ownership are always
oversubscribed, with demand often exceeding
available funds by a factor of 3 to 1. In a
given year, the division supports the production
or preservation of 2000 to 2500 rental and
ownership units in privately-owned projects.
Current priorities include greater and greater
emphasis on green development, on projects
located near transit, on projects that provide a
significant set-aside of units for homeless
families or individuals. The production of
workforce housing housing for families earning
between 80 and 120 of area median income is
also a priority. Working directly with the
Undersecretary, the division also is promoting
employer-assisted housing in key regions of the
state, including Cape Cod, the Springfield
metropolitan area, and Boston metro.
44
45
Department of Housing and Community Development
Housing Development
Housing Development by the Numbers
The number of new housing starts is defined as
the number of new building permits issued. This
information is only available in the aggregate
(i.e. not identified by community) through August
31, 2008.
45
46
Department of Housing and Community Development
Housing Development
Housing Development in Detail
46
1Four additional Local Initiative projects were
approved during FY08Q4 on which the market-rate
units were being sold at workforce prices
(under 300,000).
47
Department of Housing and Community Development
Housing Development
Key Points of Note this Quarter Through two
annual funding competitions for rental
development, the Department of Housing and
Community Development provides low-income housing
tax credits, HOME funds, and state bond funds
from six programs to support the development or
preservation of rental housing with affordable
components. The first rental funding competition
of 2008 began on March 20, when DHCD received 88
applications for various resources, including 53
applications for the low-income housing tax
credit (9 credit). The demand for resources
significantly exceeds the funding available. The
funding awards were released in August 2008 and
will support 1,218 units with 84 million in
private leveraged funding and 70 million in
state subsidies and tax credit financing.
47
48
Department of Housing and Community Development
Public Housing
Public housing provides a safe, secure home for
more than 100,000 of the Commonwealths
residents. Residents pay 30 of their income
for rent the government makes up the difference
between rent collected and the cost of operating
the housing. Public housing is administered
through 242 local housing authorities (LHAs)
whose knowledge of and relationship to their
local communities assures that the resource is
used in a locally-appropriate way. In
Massachusetts, not only do our LHAs administer
federally-supported public housing, they provide
50,000 units of state-aided housing -
Massachusetts is one of only four states in the
nation to have its own public housing. Much of
this housing is in a state of extreme disrepair
due to past investment decisions. We have
launched a serious effort to bring all the units
back to a sustainable, maintainable level through
direct capital investments and management
initiatives.
48
49
Department of Housing and Community Development
Public Housing
Public Housing By the Numbers
The number of units under restoration varies
per quarter as the type and location of projects
varies. The LHA Initiative projects will
increase as DHCD announces and publicizes new
initiatives. Part of the overall increase is due
to the Governors steadfastness in raising the
bond cap for public housing.
Public Housing Units Under Restoration The
total number of units in the developments where
construction work is actually underway. Local
Initiative Projects The number of construction
funded under special initiatives for local
housing authorities.
49
50
Department of Housing and Community Development
Public Housing
Public Housing By the Numbers
This number represents the total number of
Requests for Services produced in response to
local housing authorities procurement request.
50
51
Department of Housing and Community Development
Public Housing
Key Points of Note this Quarter The Patrick
administration's commitment to public housing was
nowhere clearer than in the allocation of a 50
increase in bond spending cap for FY 08.  That
increase represented a real challenge, since most
typical state modernization projects have lead
times longer than a year.  DHCD rose to this
challenge, with everyone working together to keep
projects on target and on time. We fully utilized
this cap, while still maintaining a very low
change order rate (8) for our construction
projects.  The first complete draft Capital
Improvement Plan was produced by the Bureau of
Housing Development and Construction's innovative
web-based Capital Planning System (CPS) in
September of 2008.  The CPS includes both a
comprehensive inventory of major building
components and systems for the entire portfolio
of state-aided public housing -- including the
condition of each component or system -- plus a
complete 10-year Capital Improvement Project plan
and budget.  The plan was for the Watertown
Housing Authority, our pilot community. 
Watertown has a portfolio of 9 developments with
a total of 539 dwelling units.  Plans for
every Housing Authority in the Commonwealth
should be completed within a year. At that point
we will have a much better sense of the need for
capital improvements as well as a very accurate
mechanism for allocating scarce resources to
areas with the most urgent needs.  DHCD
staff participated in the Executive Office of
Health and Human Services "Senior Benefits Expo"
in Pittsfield, Lowell, and Peabody.  In October
staff will participate in Boston, Taunton,
Springfield, and Worcester.  These important
events allow staff to reach out to seniors,
people with disabilities, caregivers, family
and friends across the state about accessing
state-aided housing resources.  Applications of
state-aided public housing were distributed as
well as booklets on "How to Obtain Housing,"
which describes available housing programs and
options available throughout the
Commonwealth.    
51
52
Department of Housing and Community Development
Public Housing
Key Points of Note this Quarter DHCD and its
consultant, Conservation Service
Group, substantially completed its 50,000 Solar /
Green Affordable Housing study, funded by the
Massachusetts Technology Collaborative. The study
developed "solar readiness" criteria for roof
repair and construction projects and identified
several dozen suitable housing developments with
recently completed or planned roof replacements.
Some exciting highlights of the study include
DHCD initiated legal reviews for advancing
third party" solar developments on public
housing, pending tax credit reauthorization in
late fall or early 2009.  DHCD, Leominster
Housing Authority, and Westwood-based
Acumentrics completed a grant application to US
Department of Energy for funding of a fuel cell
demonstration project at the new 1,600 square
foot community center at the Allencrest
state-aided public housing development. The
community center will be used during the school
year for homework enrichment programs, and the
building will be built by local vocational
education students. The Acumentrics fuel cell is
an innovative combined heat and power system
powered by natural gas that will provide the
facility with electricity and heat, thus reducing
its total energy costs and emissions. The
facility will also have solar panels installed.
DHCD's public housing division was involved
in the statewide Winter Energy Costs Task Force
and took the lead on several work groups
addressing fuel assistance oil heat, community
outreach, and energy efficiency.
52
53
Department of Housing and Community Development
Rental Assistance
Rental subsidies provide a flexible way to meet
the housing needs of low income families and
individuals. A housing voucher allows its
recipient to find suitable housing in the private
marketthe government pays the portion of the
rent the family/individual cannot afford. We
administer these vouchers through a combination
of regional non profit housing agencies and local
housing authorities. At DHCD, we monitor
housing conditions, rent obligations and leasing
rates as well as providing the funding (sometimes
as a conduit for federal funding, sometimes
through the state budget) for the vouchers.
While the vouchers for the most part allow
holders to find their own housing, a portion of
vouchers are project-based, meaning we commit
the stream of voucher payments to a property
owner that then designates specific units as
permanently reserved for people who are eligible
for the vouchers.
53
54
Department of Housing and Community Development
Rental Assistance
Public Housing By the Numbers
1 AHVP has been in a voucher freeze since April
2007. At the average SubPum of 705 over the
entire 12 (12) months of FY 08, the program could
annually support up to 414 Vouchers. Comparing
the expenditure of resources to date to a
corresponding pro-ration of the 3.5 million
appropriation yields a utilized as of 6-30-08
at 120. Overall, the FY appropriation, 3.5M
for both FY2007 and FY2008 is a more accurate
measure of the program. 2 AHVP has been in a
voucher freeze since April 2007. At the current
average SubPum of 694 over the first three (3)
months of FY 09, the programs could annually
support up to 420 Vouchers. Comparing the
expenditure of resources to date to a
corresponding pro-ration of the 3.5 million
appropriation yields a utilized as of 9-30-08
at 109. Overall, the FY appropriation, 3.5M
for FY2007, FY2008 and FY2009 is a more accurate
measure of the program. 3As of 6/1/2008. 4Program
vouchers were overcommitted in relation to funds
available creating a small deficit at FY08 year
end. 5As of 9/1/08. 6HUD measures HCVP leasing
success based on "unit month" (UM) utilization
each CY.  Currently, DHCD has 277,952 UMs.  Each
month one unit is leased equals "one UM." In
order to be eligible for full funding in CY 2009
(assuming adequate Congressional appropriation
for the HCVP), a housing agency must lease all of
its UMs by the end of the CY 2008. At different
points-in-time during the CY, UM usage will
fluctuate because of the many rental market
variables that affect a successful housing search
by an eligible voucher recipient, along with
fluctuations in tenant turnover. DHCD continues
to be on track to be 100 utilized by the end of
CY 2008. 7Congress does not make specific PBV
allocation. DHCD allocates up to 200 vouchers
annually from its HCVP portfolio for
development projects and also accepts PBV
applications for existing (ready to occupy)
housing for a narrow window each year. The total
leased includes vouchers currently under
contract. 8 No new projects were put under
contract this quarter.
54
55
Department of Housing and Community Development
Rental Assistance
Key Points of Note this Quarter Last quarter
we reported that our 70-unit Veterans Affairs
Supported Housing (VASH) program, which serves
veterans who are chronically homeless and in need
of treatment for a substance abuse or mental
illness, got off to a good start with seven
referrals from the Bedford VAMC having received a
DHCD VASH voucher.  This quarter we are thrilled
to report that five VASH veterans are now leased
and another 12 have been issued vouchers.  Our
relationship with the Bedford VAMC continues to
strengthen, especially in the area of sharing
information and referral resources. The Bedford
VA hopes to hire an additional VASH case manager
before the end of the year, at which time they
expect to be able to process even more clients
into the program. DHCDs Section 8 Inspection
Manager organized and facilitated a two-day
training program on pre-code fire egress
considerations for 35 of our regional agency
Section 8 managers and their key staff in
different parts of the Commonwealth, working
closely with Fire Escape Services, Inc
(FES).  FES is a nationally recognized
consultant/expert on the inspection and repair of
fire escapes, as well as a training resources for
fire officials, code writers, and enforcers. In
the interest of public safety, they offered their
services to DHCD for free. Many of the housing
units leased by our voucher participants are
located in structures constructed before the late
1930's and incorporate metal fire escapes. The
training included inspection protocols and
acceptable documentation of compliance with the
law, designed exclusively for our inspectors so
that they can educate our property owners and
assure that all feasible steps are taken to
protect tenant and fire fighter safety. During
the next two fiscal quarters, this training will
be provided to all regional housing agency
inspection staff.
55
56
Department of Consumer Affairs and Business
Regulation
DEPARTMENT OF CONSUMER AFFAIRS AND BUSINESS
REGULATION
Dan Crane, UndersecretaryThe mission of the
Massachusetts Office of Consumer Affairs and
Business Regulation (OCABR) is to empower
Massachusetts consumers through education and
outreach and maintain a fair and competitive
marketplace.
Contact InfoTen Park Plaza, Suite 5170Boston,
MA 02116 [phone]dan.crane_at_state.ma.us
56
57
Department of Consumer Affairs and Business
Regulation
Division of Insurance
Division of Insurance 9/30/07 Total FY08
9/30/08 Resolve all new product
applications within 80 90 92
60 days of complete submission
Key Regulatory and Enforcement Actions The
Commissioner and the Divisions Financial
Surveillance unit are closely monitoring the
condition of the financial markets and their
effect on companies offering products to
Massachusetts policyholders. This extensive
monitoring of all insurance companies will ensure
that companies remain healthy and solvent to pay
any and all policyholder claims. On September
19th, the Division of Insurance released two
reports commissioned to look at historical
factors that have contributed to rate increases
in the Massachusetts insured health care market.
The reports look at trends in Health Maintenance
Organization (HMO) claims as well as the
administrative expenses.  The Division undertook
these studies through its Health Care Access
Bureau as a part of its responsibility under
health care reform to monitor the affordability
of health care premiums. 
57
58
Department of Consumer Affairs and Business
Regulation
Division of Insurance
Key Points of Note this QuarterIn August, the
Division of Insurance sponsored the 10th Annual
Roxbury Film Festival to educate consumers about
the state's new managed competition auto
insurance system. Staff members were on-site
and available to show consumers ways they can
shop and save in the new market at Northeastern
University's Cabral Center. On August 25th,
Commissioner of Insurance Nonnie S. Burnes
unveiled a new web site of resources for
Massachusetts insurance consumers. Available at
www.mass.gov/doi, the site is designed to better
assist consumers as they seek information and
make decisions about health, auto, home and other
lines of insurance.
58
59
Department of Consumer Affairs and Business
Regulation
Division of Banks
Division of Banks 9/30/07 Total FY08
9/30/08 Edit and issue completed reports
ofexamination of financial institutions within
30 days of submission to Division.Key
Regulatory and Enforcement Actions During the
third quarter of 2008, the Division of Banks
issued 56 formal or informal enforcement actions
against licensed mortgage lenders and brokers and
another 9 formal or informal actions against
banks, credit unions, or other non-bank
licensees.On September 24, the Division of
Banks announced the issuance of four cease and
desist orders against licensed mortgage lenders
and brokers. Each case involved reverse products
which were made in violation of the Commonwealth
of Massachusetts reverse mortgage statute. In
three cases, a licensed mortgage lender made
reverse mortgage loans without the required
approval. In another case, a licensed mortgage
broker engaged in unfair and deceptive
advertising by promoting a reverse mortgage
product as a government benefit.
74
71
63
59
60
Department of Consumer Affairs and Business
Regulation
Division of Banks
Key Points of Note this Quarter The Division
held a public hearing on proposed new regulations
to extend Community Reinvestment Act-like
requirements to certain mortgage lenders. These
first in the nation regulations require the
Division to evaluate these lenders for their
efforts in meeting the mortgage credit needs in
the Commonwealth and to issue a public rating and
report. On September 5, the new Mortgage Lender
Community Investment regulations (209 CMR 54.00
et seq.) became effective and the Division will
begin to examine mortgage lenders for compliance
with the new requirements in 2009.On August 15,
the Division, together with the Office of
Consumer Affairs and Business Regulation (OCABR)
and the Executive Office of Elder Affairs (EOEA)
launched a new web site, www.mass.gov/reversemortg
age, to provide information and guidance to
seniors about reverse mortgage products that
enable senior homeowners to convert the equity in
their home into income.

60
61
Department of Consumer Affairs and Business
Regulation
Division of Standards
Division of Standards 9/30/07 Total FY08
YTD 9/30/08 Resolve all consumer complaints
within 5 days of receipt.Key Regulatory and
Enforcement Actions The Division, in
conjunction with the State Police Auto Fraud
Division and local police, conducted surprise
inspections of suspected illegal auto body repair
shops in Lawrence and Lowell during August. Two
unlicensed repair shops were issued Stop Work
orders as they were unlicensed to perform auto
damage repair work.Key Points of Note this
Quarter The Division conducted training at the
Mass Weights and Measures Annual Training
Conference held in Marlboro. Eighty state and
local inspectors received instruction in new
motor fuel dispenser technology. The Division
also conducted training in fraudulent pricing
practices in retail motor fuel sales outlets
pertaining to street/dispenser price signs,
firewood sales, and fuel oil delivery
inspections.
72
84
90
61
62
Department of Consumer Affairs and Business
Regulation
Division of Professional Licensure
Division of Professional Licensure
Total FY08 C-YTD 9/30/08 Conduct
inspections of all locations applyingfor new
business licenses within 10 daysof receipt of
the complete application. Conduct inspections
at 4500 licensed businesses each year.
Reflects calendar year to date resultsKey
Regulatory and Enforcement Actions The Division
of Professional Licensure assisted the Board of
Massage Therapy in promulgating emergency
regulations that enable the Board to begin state
licensing of massage therapy facilities for the
first time in the Commonwealth. The Division
also contributed to writing legislation that was
enacted that will require sheet metal workers to
be licensed for the first time in the
Commonwealth.Key Points of Note this Quarter
The Division continued its Student Career
Outreach Program with an event at Revere High
School on September 18th to provide information
about licensed professional careers . Additional
events are scheduled at high schools throughout
Massachusetts.
94
93
110
72
62
63
Department of Consumer Affairs and Business
Regulation
State Racing Commission
State Racing Commission 9/30/07
Total FY08 9/30/08 Hear all
appeals for ejection notices within10 business
days of receiving an appeal. Hold all other
hearings within 20 days of receiving an appeal.
Key Points of Note this Quarter During the
quarter, the Commission conducted five ejections
from the race tracks and had 85 total ruling by
track stewards/judges. In addition, there were 5
drug positive incidents.In September, license
applications for 2009 racing were received from
Sterling Suffolk Racecourse, LLC (Suffolk Downs)
Ourway Realty, LLC (Plainridge Racecourse)
Wonderland Greyhound Park, I