The Assault On Black Homeownership With Predatory Lending
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The Assault On Black Homeownership With Predatory Lending
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Author : Louis A. Lodge
language : en
Publisher: Outskirts Press
Release Date : 2010-11-19
The Assault On Black Homeownership With Predatory Lending written by Louis A. Lodge and has been published by Outskirts Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-11-19 with categories.
Predatory Lending practices has destroyed Negro Communities across the United States and caused irreparable damage to many Black families. The question is how did so much harm come to us and why us? Did the Federal Reserve Bank approve the destruction of the Negro Community in order to save the United States economy after September 11, 2001? Was the United States Treasury the insulator of predatory lending under the National Bank Act when it enjoined the States Attorneys Generals from prosecuting mortgage fraud in the States most affected. Was HUD (the Department of Housing and Urban Development) hijacked by the Real Estate Mortgage Industrial Complex (REMIC) or is it the source itself that granted the most massive criminal venture in history. Predatory Lending is the perfect crime for mortgage companies and Banks dirty paper (money) and it is cleaned by the Bankruptcy and State Courts and the Sheriff enforce the criminal conduct for the Bank and thus the money becomes clean. Predatory Lending is the grandson of JIM CROW. The Fair Housing Act and Community Reinvestment Act was subverted and predatory lending was and is a Badge, Condition, Incident, and Symptom of modern day slavery thus an attack on the 13th Amendment of the U.S. Constitution itself. This Stops Today and Never Again if we can learn from being subjected to it again. Before we buy or refinance another home or mortgage, stop, get the facts, and rethink what youre doing.
Predatory Lending And The Destruction Of The African American Dream
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Author : Janis Sarra
language : en
Publisher: Cambridge University Press
Release Date : 2020-07-09
Predatory Lending And The Destruction Of The African American Dream written by Janis Sarra and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-07-09 with Law categories.
Examines predatory practices in mortgage markets to provide invaluable insight into the racial wealth gap between black and white Americans.
A Dream Foreclosed
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Author : Laura Gottesdiener
language : en
Publisher: Zuccotti Park Press
Release Date : 2013
A Dream Foreclosed written by Laura Gottesdiener and has been published by Zuccotti Park Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with Biography & Autobiography categories.
A moving exploration of homeownership, freedom, and the American Dream in light of the ongoing financial crisis and mass foreclosure.
Race For Profit
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Author : Keeanga-Yamahtta Taylor
language : en
Publisher:
Release Date : 2019
Race For Profit written by Keeanga-Yamahtta Taylor and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with African American women categories.
"Keeanga-Yamahtta Taylor offers a ... chronicle of the twilight of redlining and the introduction of conventional real estate practices into the Black urban market, uncovering a transition from racist exclusion to predatory inclusion. Widespread access to mortgages across the United States after World War II cemented homeownership as fundamental to conceptions of citizenship and belonging. African Americans had long faced racist obstacles to homeownership, but the social upheaval of the 1960s forced federal government reforms. In the 1970s, new housing policies encouraged African Americans to become homeowners, and these programs generated unprecedented real estate sales in Black urban communities. However, inclusion in the world of urban real estate was fraught with new problems. As new housing policies came into effect, the real estate industry abandoned its aversion to African Americans, especially Black women, precisely because they were more likely to fail to keep up their home payments and slip into foreclosure"--
Preserving The American Dream
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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
language : en
Publisher:
Release Date : 2009
Preserving The American Dream written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009 with Financial services industry categories.
Predatory Mortgage Lending
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Author : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
language : en
Publisher:
Release Date : 2002
Predatory Mortgage Lending written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Business & Economics categories.
Curbing Predatory Home Mortgage Lending
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Author : United States. Department of Housing and Urban Development
language : en
Publisher:
Release Date : 2000
Curbing Predatory Home Mortgage Lending written by United States. Department of Housing and Urban Development and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Discrimination in mortgage loans categories.
Why The Poor Pay More
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Author : Gregory D. Squires
language : en
Publisher: Bloomsbury Publishing USA
Release Date : 2004-10-30
Why The Poor Pay More written by Gregory D. Squires and has been published by Bloomsbury Publishing USA this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004-10-30 with Business & Economics categories.
The proverbial American dream of owning a home has become an all-too-real nightmare for a growing number of families. The most vulnerable segments of our society—including minorities, the elderly, and working families—are being victimized by financiers who lure them into commitments they cannot fulfill. Collectively known as predatory lending, these practices include offering higher interest rates than can be justified by the risk, high pre-payment penalties that lock families into exploitative loans, and monstrous balloon payments that often result in default and the loss of the home. The net result can be disastrous: damage to one's credit rating, bankruptcy, and even the loss of lifelong savings. Why the Poor Pay More is an incisive exposure of these practices: how they have evolved, why they have become so prevalent in recent years, and how their negative effects can be quantified. It features in-depth analysis from prominent scholars, legal experts, and community leaders, who shed new light on the social, political, and economic consequences of predatory lending. Why the Poor Pay More is much more than an indictment of these insidious discriminatory practices. It is a call to arms for anyone concerned about how the financial-political system can be corrupted to serve the needs of the wealthy. Highlighting community initiatives already underway to combat predatory lending and an extensive listing of practical resources, Why the Poor Pay More outlines active roles that individuals, advocacy groups, financial and legal service providers, and policymakers can play in reversing this destructive trend.
Protecting Homeowners
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Author : United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
language : en
Publisher:
Release Date : 2003
Protecting Homeowners written by United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with Business & Economics categories.
Algorithms And The Assault On Critical Thought
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Author : Nancy Ettlinger
language : en
Publisher: Taylor & Francis
Release Date : 2022-12-30
Algorithms And The Assault On Critical Thought written by Nancy Ettlinger and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-12-30 with Science categories.
This book examines the digitalization of longstanding problems of technological advance that produce inequalities and automated governance, which relieves subjects of agency and critical thought, and prompts a need to weaponize thoughtfulness against technocratic designs. The book situates digital-era problems relative to those of previous sociotechnical milieux and argues that technical advance perennially embeds corrosive effects on social relations and relations of production, recognizing variation across contexts and relative to entrenched societal hierarchies of race and other axes of difference and their intersections. Societal tolerance, despite abundant evidence for harmful effects of digital technologies, requires attention. The book explains blindness to social injustice by technocratic thinking delivered through education as well as truths embraced in the data sciences coupled with governance in universities and the private sector that protect these truths from critique. Institutional inertia suggests benefits of communitarianism, which strives for change emanating from civil society. Scaling postcapitalist communitarian values through communitybased peer production presents opportunities. However, enduring problems require critical reflection, continual revision of strategies, and active participation among diverse community citizens. This book is written with critical geographic sensibilities for an interdisciplinary audience of scholars and graduate and undergraduate students in the social sciences, humanities, and data sciences.