Let’s start with this statistic: One in five Americans lives in rural America. And these communities are far more diverse than the archetypical bucolic New England town. They include tribal lands, the Mississippi Delta, border Colonias, and Appalachia where the legacies of injustice include barriers to the capital needed to build homes and multi-family housing. As David Lipsetz, CEO of Housing Assistance Council (HAC), says, these communities are home to rich histories, assets and opportunities. But in many cases, they are also epicenters, over decades, of persistent poverty. A product of rural towns, David has spent his career  focused on changing the fortunes of rural Americans. Before leading Housing Assistance Council, he worked in the Obama Administration at both HUD and USDA. He knows first-hand, the difference federal investment can make in struggling communities. HAC is well-known as a fierce champion for rural America. And as a Community Development Financial Institution (CDFI), HAC is a lender in places that traditional banks do not serve.