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Redlining To Reinvestment
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Book Synopsis Redlining To Reinvestment by : Gregory Squires
Download or read book Redlining To Reinvestment written by Gregory Squires and published by Temple University Press. This book was released on 2011 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Community activists examine how formerly redlined communities have generated billions of dollars in reinvestment.
Book Synopsis From Redlining to Reinvestment by : Gregory D. Squires
Download or read book From Redlining to Reinvestment written by Gregory D. Squires and published by . This book was released on 1992-12 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines how formerly redlined communities have generated billions of dollars in reinvestment.
Book Synopsis After Redlining by : Rebecca K. Marchiel
Download or read book After Redlining written by Rebecca K. Marchiel and published by University of Chicago Press. This book was released on 2021-09-05 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The story of how American banks helped disenfranchise nonwhite urbanities and condemn to blight the very neighborhoods that needed the most investment is infuriating. And yet, by digging into the history of urban finance, Rebecca Marchiel here illuminates how urban activists changed some banks' behavior to support investment in communities that they had once abandoned. These developments, in turn, affected federal urban policy and reshaped banks' understanding of the role that urban communities play in the financial system. The legacy of reinvestment activism is clouded, but Marchiel's detailing of it transforms our understanding of the history and significance of community/bank relations"--Provided by publisher.
Book Synopsis Credit to the Community by : Dan Immergluck
Download or read book Credit to the Community written by Dan Immergluck and published by Routledge. This book was released on 2016-07-08 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book provides the most comprehensive examination of community reinvestment and fair lending problems and policies currently available. It outlines the history of lending discrimination and redlining in U.S. mortgage and small business lending markets, and documents the persistence of such problems today. The author explains the role that government has played in developing banking and credit markets in the United States, from the creation of Alexander Hamilton's First Bank of the United States to the ongoing support government provides through the subsidization of secondary markets and through maintenance of critical regulatory infrastructure. Immergluck takes issue with those calling for deregulation of financial services - especially in the arena of fair lending and consumer protection - and gives new voice to rationales for social contract policies such as the Community Reinvestment Act. He provides new long-term analysis of the failure of federal bank regulators to enforce the CRA, and also shows how increased community activism and media attention have led to sporadic periods of stronger CRA enforcement. Finally, he recommends a number of policy changes that are needed to modernize the nation's fair lending and community reinvestment laws and make them more relevant for the 21st century.
Book Synopsis Organizing Access To Capital by : Gregory Squires
Download or read book Organizing Access To Capital written by Gregory Squires and published by Temple University Press. This book was released on 2011 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: Gaining financial equality through community activism.
Book Synopsis Insurance Redlining by : Gregory D. Squires
Download or read book Insurance Redlining written by Gregory D. Squires and published by The Urban Insitute. This book was released on 1997 with total page 292 pages. Available in PDF, EPUB and Kindle. Book excerpt: Redlining refers to discrimination in the homeowners' insurance market based on racial or ethnic characteristics of neighborhoods or individuals that are unrelated to risk. This book brings new evidence to bear on the issues that have framed almost 30 years of debate over insurance redlining, providing a framework for the development of public policy, private industry practice, and partnerships with community-based organizations that can help make insurance available. Contributors include academics, community organizers, private attorneys, and staffs of government agencies and nonprofit organizations. Contributors include: Tom Baker and Karen McElrath; Stephen Dane; Robert Klein; George Knight; William Lynch; Richard Ritter; Jay Schultz; D.J. Powers; and Shanna Smith and Cathy Cloud.
Author :United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance Publisher : ISBN 13 : Total Pages :204 pages Book Rating :4.3/5 (121 download)
Book Synopsis Insurance Redlining by : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
Download or read book Insurance Redlining written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance and published by . This book was released on 1994 with total page 204 pages. Available in PDF, EPUB and Kindle. Book excerpt: Distributed to some depository libraries in microfiche.
Book Synopsis Capital and Communities in Black and White by : Gregory D. Squires
Download or read book Capital and Communities in Black and White written by Gregory D. Squires and published by SUNY Press. This book was released on 1994-07-15 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: Squires (sociology and urban studies, U. of Wisconsin) argues that the conservative policy agenda of recent governments has interacted with global economic restructuring, the spatial development of cities, and race relations to increase inequality in urban America. He shows, however, that the conservative resurgence rode atop a longstanding tradition of privatism that has shaped longterm economic policy, urban redevelopment, and the response to social problems. Annotation copyright by Book News, Inc., Portland, OR
Book Synopsis Redlining, the Community Reinvestment Act, and Private Mortgage Insurance by : Stephen L. Ross
Download or read book Redlining, the Community Reinvestment Act, and Private Mortgage Insurance written by Stephen L. Ross and published by . This book was released on 2002 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines whether neighborhood racial or income composition influences a lender's treatment of mortgage applications. Recent studies have found little evidence of differential treatment based on either the racial or income composition of the neighborhood, once the specification accounts for neighborhood risk factors. This paper suggests that lenders may favor applicants from CRA-protected neighborhoods if they obtain Private Mortgage Insurance (PMI) and that this behavior may mask lender redlining of low income and minority neighborhoods. For loan applicants who are not covered by PMI, this paper finds strong evidence that applications for units in low-income neighborhoods are less likely to be approved, and some evidence that applications for units in minority neighborhoods are less likely to be approved, regardless of the race of the applicant. This pattern is not visible in earlier studies because lenders appear to treat applications from these neighborhoods more favorably when the applicant obtains PMI.The ideas in this paper do not necessarily represent the views of the Federal Reserve Bank of Boston or the Federal Reserve System.
Book Synopsis Federal Regulation of Banking, Redlining and Community Reinvestment by : Warren L. Dennis
Download or read book Federal Regulation of Banking, Redlining and Community Reinvestment written by Warren L. Dennis and published by . This book was released on 1980 with total page 712 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Know Your Price written by Andre M. Perry and published by Brookings Institution Press. This book was released on 2020-05-19 with total page 271 pages. Available in PDF, EPUB and Kindle. Book excerpt: The deliberate devaluation of Blacks and their communities has had very real, far-reaching, and negative economic and social effects. An enduring white supremacist myth claims brutal conditions in Black communities are mainly the result of Black people's collective choices and moral failings. “That's just how they are” or “there's really no excuse”: we've all heard those not so subtle digs. But there is nothing wrong with Black people that ending racism can't solve. We haven't known how much the country will gain by properly valuing homes and businesses, family structures, voters, and school districts in Black neighborhoods. And we need to know. Noted educator, journalist, and scholar Andre Perry takes readers on a tour of six Black-majority cities whose assets and strengths are undervalued. Perry begins in his hometown of Wilkinsburg, a small city east of Pittsburgh that, unlike its much larger neighbor, is struggling and failing to attract new jobs and industry. Bringing his own personal story of growing up in Black-majority Wilkinsburg, Perry also spotlights five others where he has deep connections: Detroit, Birmingham, New Orleans, Atlanta, and Washington, D.C. He provides an intimate look at the assets that should be of greater value to residents—and that can be if they demand it. Perry provides a new means of determining the value of Black communities. Rejecting policies shaped by flawed perspectives of the past and present, it gives fresh insights on the historical effects of racism and provides a new value paradigm to limit them in the future. Know Your Price demonstrates the worth of Black people's intrinsic personal strengths, real property, and traditional institutions. These assets are a means of empowerment and, as Perry argues in this provocative and very personal book, are what we need to know and understand to build Black prosperity.
Book Synopsis The People Shall Rule by : Robert Fisher
Download or read book The People Shall Rule written by Robert Fisher and published by Vanderbilt University Press. This book was released on 2009-10-16 with total page 313 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the election of a community organizer as president of the United States, the time is right to evaluate the current state of community organizing and the effectiveness of ACORN (Association of Community Organizations for Reform Now). Since 2002, ACORN has been dramatically expanding and raising its national profile; it has also been weathering controversy over its voter registration campaigns and an internal financial scandal. The twelve chapters in this volume present the perspectives of insiders like founder Wade Rathke and leading outside practitioners and academics. The result is a thorough detailing of ACORN's founding and its changing strategies, including vivid accounts and analyses of its campaigns on the living wage, voter turnout, predatory lending, redlining, school reform, and community redevelopment, as well as a critical perspective on ACORN's place in the community organizing landscape.
Book Synopsis Gale Force--Gale Cincotta by : Michael Westgate
Download or read book Gale Force--Gale Cincotta written by Michael Westgate and published by . This book was released on 2011-03 with total page 416 pages. Available in PDF, EPUB and Kindle. Book excerpt: Gale Cincotta was a community organizer and activist. She fought against redlining and unethical lending. Many feel that her work led to the creation of the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA).
Book Synopsis Segregation by Design by : Jessica Trounstine
Download or read book Segregation by Design written by Jessica Trounstine and published by Cambridge University Press. This book was released on 2018-11-15 with total page 287 pages. Available in PDF, EPUB and Kindle. Book excerpt: Segregation by Design draws on more than 100 years of quantitative and qualitative data from thousands of American cities to explore how local governments generate race and class segregation. Starting in the early twentieth century, cities have used their power of land use control to determine the location and availability of housing, amenities (such as parks), and negative land uses (such as garbage dumps). The result has been segregation - first within cities and more recently between them. Documenting changing patterns of segregation and their political mechanisms, Trounstine argues that city governments have pursued these policies to enhance the wealth and resources of white property owners at the expense of people of color and the poor. Contrary to leading theories of urban politics, local democracy has not functioned to represent all residents. The result is unequal access to fundamental local services - from schools, to safe neighborhoods, to clean water.
Download or read book New Deal Ruins written by Edward G. Goetz and published by Cornell University Press. This book was released on 2013-03-15 with total page 257 pages. Available in PDF, EPUB and Kindle. Book excerpt: Public housing was an integral part of the New Deal, as the federal government funded public works to generate economic activity and offer material support to families made destitute by the Great Depression, and it remained a major element of urban policy in subsequent decades. As chronicled in New Deal Ruins, however, housing policy since the 1990s has turned to the demolition of public housing in favor of subsidized units in mixed-income communities and the use of tenant-based vouchers rather than direct housing subsidies. While these policies, articulated in the HOPE VI program begun in 1992, aimed to improve the social and economic conditions of urban residents, the results have been quite different. As Edward G. Goetz shows, hundreds of thousands of people have been displaced and there has been a loss of more than 250,000 permanently affordable residential units. Goetz offers a critical analysis of the nationwide effort to dismantle public housing by focusing on the impact of policy changes in three cities: Atlanta, Chicago, and New Orleans.Goetz shows how this transformation is related to pressures of gentrification and the enduring influence of race in American cities. African Americans have been disproportionately affected by this policy shift; it is the cities in which public housing is most closely identified with minorities that have been the most aggressive in removing units. Goetz convincingly refutes myths about the supposed failure of public housing. He offers an evidence-based argument for renewed investment in public housing to accompany housing choice initiatives as a model for innovative and equitable housing policy.
Download or read book Redlined written by Linda Gartz and published by Simon and Schuster. This book was released on 2018-04-03 with total page 367 pages. Available in PDF, EPUB and Kindle. Book excerpt: Set against the backdrop of the Civil Rights Movement, Redlined exposes the racist lending rules that refuse mortgages to anyone in areas with even one black resident. As blacks move deeper into Chicago’s West Side during the 1960s, whites flee by the thousands. But Linda Gartz’s parents, Fred and Lil choose to stay in their integrating neighborhood, overcoming previous prejudices as they meet and form friendships with their African American neighbors. The community sinks into increasing poverty and crime after two race riots destroy its once vibrant business district, but Fred and Lil continue to nurture their three apartment buildings and tenants for the next twenty years in a devastated landscape—even as their own relationship cracks and withers. After her parents’ deaths, Gartz discovers long-hidden letters, diaries, documents, and photos stashed in the attic of her former home. Determined to learn what forces shattered her parents’ marriage and undermined her community, she searches through the family archives and immerses herself in books on racial change in American neighborhoods. Told through the lens of Gartz’s discoveries of the personal and political, Redlined delivers a riveting story of a community fractured by racial turmoil, an unraveling and conflicted marriage, a daughter’s fight for sexual independence, and an up-close, intimate view of the racial and social upheavals of the 1960s.
Book Synopsis The Community Reinvestment Act of 1977 by : John P. Worsham
Download or read book The Community Reinvestment Act of 1977 written by John P. Worsham and published by . This book was released on 1980 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
