Author: teddy

  • Why Permanently Affordable, Community-Owned Land Matters for Detroit

    I grew up in Detroit. I learned to garden here. I became a Black farmer here—working with the Detroit Black Farmer Land Fund to help growers like me access land in a city where Black land ownership had been systematically stripped away. And I became a community development lender here, working to bring capital to the neighborhoods that banks had abandoned.

    I have seen what dispossession looks like. It looks like tax foreclosure auctions that take homes from families who have lived on the same block for generations. It looks like the Land Bank selling vacant lots to the highest bidder while community groups wait in line. It looks like speculators buying up land, sitting on it, and waiting for the value to rise—while the people who made that land valuable can no longer afford to stay.

    This is not accidental. It is the result of a century of policy decisions—redlining, urban renewal, predatory lending, tax foreclosures—that have extracted wealth from Black and working-class Detroiters and concentrated it in the hands of a few. And it is the same story happening in cities across the world, from Brazil to South Africa to the Philippines, where land reform movements have fought for decades to return land to the people who work it.

    The struggle is global, but the tools must be local. And in Detroit, the community land trust is one of the most powerful tools we have.

    A community land trust (CLT) is a nonprofit organization that holds land in trust for the benefit of a community. The CLT owns the land; residents own the buildings on top of it through a long-term ground lease. This structure permanently removes land from the speculative market, keeping homes affordable for generations. It gives people the security of ownership—the ability to build equity, pass wealth to their children, and have a say in how their community develops—without the threat of displacement. It is, in its essence, a legal tool for land reform.

    In Detroit, CLTs are still new. There is no state enabling statute, no favorable tax treatment, and the relationship with the Detroit Land Bank Authority is still being negotiated. But there is momentum. The Detroit CLT movement is growing—operators like North Corktown CLT, Dream of Detroit, Freedom Dreams, Common Grounds CLT, and others are building projects, sharing resources, and pushing for policy change. I have had the privilege of convening some of these operators, and I have seen the power of what happens when we work together: pooled knowledge, shared infrastructure, and a collective voice that can negotiate with the Land Bank, the city, and the state.

    There is also a deeper history to draw on. In Collective Courage, Jessica Gordon Nembhard documents how Black communities have always used cooperative economics—land trusts, mutual aid societies, burial funds, credit unions—to survive and resist. The Federation of Southern Cooperatives/Land Assistance Fund, formed in the civil rights era to help Black farmers keep their land, is a model for what a member-led, cooperative land-holding entity can achieve. We are not inventing something new; we are remembering something old.

    The work ahead is hard. We need to build administrative capacity, pool resources, and create structures that can outlast any single leader or organization. We need to advocate for a state CLT enabling statute and ground-lease tax treatment so that CLTs can operate on equal footing with other land-holding entities. We need to build relationships with the Land Bank that recognize CLTs not as competitors for land, but as partners in creating permanently affordable, community-owned housing.

    Most of all, we need to remember that land is not just a commodity. It is a source of life, of culture, of community. It is where our gardens grow and our children play. It is where our history lives and our future is built.

    For Black Detroiters, for working-class Detroiters, for everyone who has been told that this city is not for them—the community land trust is a way to say: this land belongs to us. It always has. And we are going to build on it, together.

  • A New Chapter for Cooperation in Detroit

    Statement from Terrence (Teddy) White

    DETROIT – June 17, 2026 – After nearly two years of building relationships, launching programs, and deepening the practice of solidarity economics at the Detroit Community Wealth Fund (DCWF), my role as Director of Lending will end on June 30, 2026. The decision is driven by the same challenge facing so many mission‑driven organizations: a funding model overly dependent on grants that never fully matched the depth of the work.

    I leave DCWF with profound gratitude for what we’ve built together, especially alongside my colleagues Dave Finet and Rosie DeSantis. We learned, dreamed, and labored side by side. That will not be lost.

    What I carry forward is the web of relationships, the trust, and the shared imagination of a Detroit where cooperation is not a niche but the norm. And I am proud to announce that I will continue that work through Cooperation Detroit – a new solidarity economy organization dedicated to building worker‑owned, community‑controlled economic infrastructure in our city and beyond.


    What We Built Together (a partial list)

    Over the past several years, I have had the privilege of:

    • Serving as Director of Lending at DCWF, where I drafted financial proformas, created the renewed Bookkeeping Skills Questionnaire, redesigned the loan intake process, deployed loan statements, and provided ongoing financial coaching to current and prospective cooperative projects.
    • Launching and facilitating the Collective Courage Study Group, which produced the Collective Possibilities Journal and a bootcamp for emerging co‑op projects (where I’ll continue as a guest lecturer).
    • Becoming a public thought leader and theorist on solidarity economies – including a talk at the Detroit Food Commons’ 2nd Anniversary on anti‑capitalist praxis.
    • Presenting on non‑extractive lending to Motor City Match Cash Round finalists and at the National Microloan Conference (2025).
    • Supervising and training DCWF’s first GDYT intern through No Barrier 2 Success, bringing cooperative possibilities to Detroit youth.
    • Building deep partnerships across the city: Community Development Advocates of Detroit, Detroit CDFI Coalition, Detroit Black Food Sovereignty Network, Detroit People’s Food Co‑op, Talking Dolls, Black Bottom Garden Center, For Everyone Collective, Handy Relocations, and the emerging Metro Detroit Solidarity Economy Network through the People’s Hub training.
    • Raising awareness of cooperative finance with the City of Detroit and Detroit Economic Growth Corporation (DEGC) through Motor City Match.
    • Supporting and meeting with emerging cooperatives such as a streaming entertainment co-op, a market/cafe cooperative, and many others.
    • Representing Detroit at national gatherings: Seed Commons All Network Gathering (telling Detroit’s story), Co‑op Cincy Co‑op Union Symposium (renewing labor neutrality and trade union/co‑operative possibilities), and the Assembly of Black Possibilities (forging a translocal partnership with Boston Ujima and connecting with some of the greatest Black thinkers on the solidarity economy).
    • Joining the Resist and Build process (conference October 16‑18 in Denver) and the U.S. Solidarity Economy Network board.

    Most of all, I am proud of the relationships – the trust that turns transactions into transformation.


    What’s Next: Cooperation Detroit

    Cooperation Detroit is a new solidarity economy organization rooted in the belief that Detroit’s future must be worker‑owned, democratically governed, and community‑controlled. We will:

    • Provide technical assistance and non‑extractive financing guidance for worker cooperatives and solidarity economy projects.
    • Incubate shared infrastructure (tool libraries, mutual credit systems, rotating savings circles).
    • Continue the Collective Courage study circle and expand popular education.
    • Build a translocal network of practitioners and thinkers committed to anti‑capitalist, cooperative economics.

    Our website and newsletter will launch in July 2026. You can sign up for updates and get involved at cooperationdetroit.org. For now, reach me directly at 313‑344‑6525 or teddy@cooperationdetroit.org.


    A Closing Word

    I am not leaving Detroit. I am deepening my commitment. The solidarity economy is not a side project – it is the only durable response to the extraction, displacement, and isolation that too many of us have been forced to survive. I have seen what happens when neighbors trust each other enough to share a dollar, a tool, a bail fund, a book. That is the world we are building.

    To everyone who opened a door, shared a critique, or showed up to a study circle: thank you. The bridge is still under construction – but we have laid many planks.

    Onward, together.

    Terrence (Teddy) White
    Founder, Cooperation Detroit
    Former Director of Lending, Detroit Community Wealth Fund
    Board Member, U.S. Solidarity Economy Network

    Release: A New Chapter for Cooperation in Detroit: Statement from Terrence (Teddy) White