Discriminating Risk

Download Discriminating Risk full books in PDF, epub, and Kindle. Read online Discriminating Risk ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!

Discriminating Risk

Author : Guy Stuart
Publisher : Cornell University Press
ISBN 13 : 1501729969
Total Pages : 264 pages
Book Rating : 4.5/5 (17 download)

DOWNLOAD NOW!

Book Synopsis Discriminating Risk by : Guy Stuart

Download or read book Discriminating Risk written by Guy Stuart and published by Cornell University Press. This book was released on 2018-07-05 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: The U.S. home mortgage industry first formalized risk criteria in the 1920s and 1930s to determine which applicants should receive funds. Over the past eighty years, these formulae have become more sophisticated. Guy Stuart demonstrates that the very concepts on which lenders base their decisions reflect a set of social and political values about "who deserves what." Stuart examines the fine line between licit choice and illicit discrimination, arguing that lenders, while eradicating blatantly discriminatory practices, have ignored the racial and economic-class biases that remain encoded in their decision processes. He explains why African Americans and Latinos continue to be at a disadvantage in gaining access to loans: discrimination, he finds, results from the interaction between the way lenders make decisions and the way they shape the social structure of the mortgage and housing markets.Mortgage lenders, Stuart contends, are embedded in and shape a social context that can best be understood in terms of rules, networks, and the production of space. Stuart's history of lenders' risk criteria reveals that they were synthesized from rules of thumb, cultural norms, and untested theories. In addition, his interviews with real estate and lending professionals in the Chicago housing market show us how the criteria are implemented today. Drawing on census and Home Mortgage Disclosure Act data for quantitative support, Stuart concludes with concrete policy proposals that take into account the social structure in which lenders make decisions.

Calculating Race

Author : Benjamin Wiggins
Publisher : Oxford University Press
ISBN 13 : 0197504019
Total Pages : 176 pages
Book Rating : 4.1/5 (975 download)

DOWNLOAD NOW!

Book Synopsis Calculating Race by : Benjamin Wiggins

Download or read book Calculating Race written by Benjamin Wiggins and published by Oxford University Press. This book was released on 2020-10-08 with total page 176 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Calculating Race, Benjamin Wiggins analyzes the historical relationship between statistical risk assessment and race in the United States. He illustrates how, through a reliance on the variable of race, actuarial science transformed the nature of racism and helped usher racial disparities in wealth, incarceration, and housing from the nineteenth century into the twentieth. Wiggins begins by tracing how the life insurance industry utilized race in its calculations at the end of the nineteenth century, focusing particularly on Prudential and its aggressive battles with state regulators to discriminate against clients and adjust rates on the basis of race. He then turns his focus to the collection of racial statistics in the Illinois state penitentiary system in the late nineteenth century and the state's subsequent development of predictive sentencing and parole formulas in the 1920s that weighed race as a key factor. Next, he investigates the role of race in the state-sponsored mortgage insurance program of the Federal Housing Administration between the start of the New Deal and the beginning of the Cold War and its prolonged effects on mortgage lending. Wiggins concludes with an analysis of the use of race in the statistical risk assessments across financial institutions and government programs during the post-civil rights movement era, and how that practice has been transformed in the twenty-first century through "proxy" variables which stand in for the now taboo category of race. Offering readers a new perspective on the historical importance of actuarial science in structural racism, Calculating Race is a particularly timely contribution as Big Data and algorithmic decision making increasingly pervade our lives.

Calculating Race

Author : Benjamin Wiggins
Publisher : Oxford University Press, USA
ISBN 13 : 0197504000
Total Pages : 157 pages
Book Rating : 4.1/5 (975 download)

DOWNLOAD NOW!

Book Synopsis Calculating Race by : Benjamin Wiggins

Download or read book Calculating Race written by Benjamin Wiggins and published by Oxford University Press, USA. This book was released on 2020 with total page 157 pages. Available in PDF, EPUB and Kindle. Book excerpt: Racial Formation in the Risk Society -- Life -- Crime -- Home -- Proxies -- Sharing Risk Equitably.

Age Discrimination

Author : Howard C. Eglit
Publisher : McGraw-Hill Companies
ISBN 13 :
Total Pages : 742 pages
Book Rating : 4.F/5 ( download)

DOWNLOAD NOW!

Book Synopsis Age Discrimination by : Howard C. Eglit

Download or read book Age Discrimination written by Howard C. Eglit and published by McGraw-Hill Companies. This book was released on 1981 with total page 742 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Ending Discrimination Against People with Mental and Substance Use Disorders

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 0309439124
Total Pages : 171 pages
Book Rating : 4.3/5 (94 download)

DOWNLOAD NOW!

Book Synopsis Ending Discrimination Against People with Mental and Substance Use Disorders by : National Academies of Sciences, Engineering, and Medicine

Download or read book Ending Discrimination Against People with Mental and Substance Use Disorders written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2016-09-03 with total page 171 pages. Available in PDF, EPUB and Kindle. Book excerpt: Estimates indicate that as many as 1 in 4 Americans will experience a mental health problem or will misuse alcohol or drugs in their lifetimes. These disorders are among the most highly stigmatized health conditions in the United States, and they remain barriers to full participation in society in areas as basic as education, housing, and employment. Improving the lives of people with mental health and substance abuse disorders has been a priority in the United States for more than 50 years. The Community Mental Health Act of 1963 is considered a major turning point in America's efforts to improve behavioral healthcare. It ushered in an era of optimism and hope and laid the groundwork for the consumer movement and new models of recovery. The consumer movement gave voice to people with mental and substance use disorders and brought their perspectives and experience into national discussions about mental health. However over the same 50-year period, positive change in American public attitudes and beliefs about mental and substance use disorders has lagged behind these advances. Stigma is a complex social phenomenon based on a relationship between an attribute and a stereotype that assigns undesirable labels, qualities, and behaviors to a person with that attribute. Labeled individuals are then socially devalued, which leads to inequality and discrimination. This report contributes to national efforts to understand and change attitudes, beliefs and behaviors that can lead to stigma and discrimination. Changing stigma in a lasting way will require coordinated efforts, which are based on the best possible evidence, supported at the national level with multiyear funding, and planned and implemented by an effective coalition of representative stakeholders. Ending Discrimination Against People with Mental and Substance Use Disorders: The Evidence for Stigma Change explores stigma and discrimination faced by individuals with mental or substance use disorders and recommends effective strategies for reducing stigma and encouraging people to seek treatment and other supportive services. It offers a set of conclusions and recommendations about successful stigma change strategies and the research needed to inform and evaluate these efforts in the United States.

Communities in Action

Author : National Academies of Sciences, Engineering, and Medicine
Publisher : National Academies Press
ISBN 13 : 0309452961
Total Pages : 583 pages
Book Rating : 4.3/5 (94 download)

DOWNLOAD NOW!

Book Synopsis Communities in Action by : National Academies of Sciences, Engineering, and Medicine

Download or read book Communities in Action written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2017-04-27 with total page 583 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.

Human Capital in History

Author : Leah Platt Boustan
Publisher : University of Chicago Press
ISBN 13 : 022616389X
Total Pages : 419 pages
Book Rating : 4.2/5 (261 download)

DOWNLOAD NOW!

Book Synopsis Human Capital in History by : Leah Platt Boustan

Download or read book Human Capital in History written by Leah Platt Boustan and published by University of Chicago Press. This book was released on 2014-11-05 with total page 419 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume honours the contributions Claudia Goldin has made to scholarship and teaching in economic history and labour economics. The chapters address some closely integrated issues: the role of human capital in the long-term development of the American economy, trends in fertility and marriage, and women's participation in economic change.

Algorithms of Oppression

Author : Safiya Umoja Noble
Publisher : NYU Press
ISBN 13 : 1479837245
Total Pages : 245 pages
Book Rating : 4.4/5 (798 download)

DOWNLOAD NOW!

Book Synopsis Algorithms of Oppression by : Safiya Umoja Noble

Download or read book Algorithms of Oppression written by Safiya Umoja Noble and published by NYU Press. This book was released on 2018-02-20 with total page 245 pages. Available in PDF, EPUB and Kindle. Book excerpt: Acknowledgments -- Introduction: the power of algorithms -- A society, searching -- Searching for Black girls -- Searching for people and communities -- Searching for protections from search engines -- The future of knowledge in the public -- The future of information culture -- Conclusion: algorithms of oppression -- Epilogue -- Notes -- Bibliography -- Index -- About the author

Surveillance as Social Sorting

Author : David Lyon
Publisher : Psychology Press
ISBN 13 : 9780415278737
Total Pages : 308 pages
Book Rating : 4.2/5 (787 download)

DOWNLOAD NOW!

Book Synopsis Surveillance as Social Sorting by : David Lyon

Download or read book Surveillance as Social Sorting written by David Lyon and published by Psychology Press. This book was released on 2003 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book moves the debate beyond alarmist, 'Big Brother' treatments or complacent assumptions that once fair information principles are in place all is well, to a constructive and thought-provoking level.

Housing Discrimination

Author : Robert G. Schwemm
Publisher : C. Boardman
ISBN 13 :
Total Pages : 892 pages
Book Rating : 4.F/5 ( download)

DOWNLOAD NOW!

Book Synopsis Housing Discrimination by : Robert G. Schwemm

Download or read book Housing Discrimination written by Robert G. Schwemm and published by C. Boardman. This book was released on 1990 with total page 892 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Measuring Racial Discrimination

Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309091268
Total Pages : 335 pages
Book Rating : 4.3/5 (9 download)

DOWNLOAD NOW!

Book Synopsis Measuring Racial Discrimination by : National Research Council

Download or read book Measuring Racial Discrimination written by National Research Council and published by National Academies Press. This book was released on 2004-07-24 with total page 335 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many racial and ethnic groups in the United States, including blacks, Hispanics, Asians, American Indians, and others, have historically faced severe discriminationâ€"pervasive and open denial of civil, social, political, educational, and economic opportunities. Today, large differences among racial and ethnic groups continue to exist in employment, income and wealth, housing, education, criminal justice, health, and other areas. While many factors may contribute to such differences, their size and extent suggest that various forms of discriminatory treatment persist in U.S. society and serve to undercut the achievement of equal opportunity. Measuring Racial Discrimination considers the definition of race and racial discrimination, reviews the existing techniques used to measure racial discrimination, and identifies new tools and areas for future research. The book conducts a thorough evaluation of current methodologies for a wide range of circumstances in which racial discrimination may occur, and makes recommendations on how to better assess the presence and effects of discrimination.

EEOC Compliance Manual

Author : United States. Equal Employment Opportunity Commission
Publisher :
ISBN 13 :
Total Pages : 368 pages
Book Rating : 4.:/5 (7 download)

DOWNLOAD NOW!

Book Synopsis EEOC Compliance Manual by : United States. Equal Employment Opportunity Commission

Download or read book EEOC Compliance Manual written by United States. Equal Employment Opportunity Commission and published by . This book was released on 1992 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt:

A Short Guide to Equality Risk

Author : Tony Morden
Publisher : Gower Publishing Company, Limited
ISBN 13 : 9781409404514
Total Pages : 190 pages
Book Rating : 4.4/5 (45 download)

DOWNLOAD NOW!

Book Synopsis A Short Guide to Equality Risk by : Tony Morden

Download or read book A Short Guide to Equality Risk written by Tony Morden and published by Gower Publishing Company, Limited. This book was released on 2011 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Short Guide to Equality Risk" analyses the concepts, theories, and issues associated with the implementation in organisations and the service environment of an Equality, Diversity, and Discrimination (EDD) Agenda. Whether from a business, political, social, legal or medical view, the risks of failure of EDD compliance are escalating, be it in terms of cost, the possibility of damage to reputation, or the potential for loss of government or public sector contracts. Using the insights and specialised medico-legal knowledge, he has acquired in the course of successfully defending his own rights. Tony Morden examines the subject from leadership, governance, management, opportunity, and performance-oriented perspectives. By using case studies and drawing on a growing body of international experience, the author analyses components of an EDD Agenda: equality, diversity, opportunity, and discrimination; and examines issues and dilemmas associated with implementing such an agenda. He offers a strategic and performance-oriented overview of the issues of leadership, prioritisation, management process, managing architectures, and the application of performance and risk management concepts. Written from a scholarly perspective, but in a practitioner-oriented and reader-friendly manner, this addition to the series of short guides to business risk provides a credible, strategic, and implementation-based overview of what is becoming a critically important, politically sensitive, and high risk subject

Handbook on Risk and Inequality

Author : Curran, Dean
Publisher : Edward Elgar Publishing
ISBN 13 : 1788972260
Total Pages : 293 pages
Book Rating : 4.7/5 (889 download)

DOWNLOAD NOW!

Book Synopsis Handbook on Risk and Inequality by : Curran, Dean

Download or read book Handbook on Risk and Inequality written by Curran, Dean and published by Edward Elgar Publishing. This book was released on 2022-09-06 with total page 293 pages. Available in PDF, EPUB and Kindle. Book excerpt: This unique Handbook charts shifts in the relationship between risks and inequalities over the last few decades, analysing how inequalities shape risk and how risks condition and intensify inequalities. Expert contributors examine the impacts of environmental, financial, social, urban, economic, and digital risks on inequalities, at both national and global levels.

Coming to Terms with Chance

Author : Oscar H. Gandy
Publisher : Routledge
ISBN 13 : 1317164083
Total Pages : 248 pages
Book Rating : 4.3/5 (171 download)

DOWNLOAD NOW!

Book Synopsis Coming to Terms with Chance by : Oscar H. Gandy

Download or read book Coming to Terms with Chance written by Oscar H. Gandy and published by Routledge. This book was released on 2016-05-23 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt: The application of probability and statistics to an ever-widening number of life-decisions serves to reproduce, reinforce, and widen disparities in the quality of life that different groups of people can enjoy. As a critical technology assessment, the ways in which bad luck early in life increase the probability that hardship and loss will accumulate across the life course are illustrated. Analysis shows the ways in which individual decisions, informed by statistical models, shape the opportunities people face in both market and non-market environments. Ultimately, this book challenges the actuarial logic and instrumental rationalism that drives public policy and emphasizes the role that the mass media play in justifying its expanded use. Although its arguments and examples take as their primary emphasis the ways in which these decision systems affect the life chances of African-Americans, the findings are also applicable to a broad range of groups burdened by discrimination.

Investing in the Health and Well-Being of Young Adults

Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309309980
Total Pages : 431 pages
Book Rating : 4.3/5 (93 download)

DOWNLOAD NOW!

Book Synopsis Investing in the Health and Well-Being of Young Adults by : National Research Council

Download or read book Investing in the Health and Well-Being of Young Adults written by National Research Council and published by National Academies Press. This book was released on 2015-01-27 with total page 431 pages. Available in PDF, EPUB and Kindle. Book excerpt: Young adulthood - ages approximately 18 to 26 - is a critical period of development with long-lasting implications for a person's economic security, health and well-being. Young adults are key contributors to the nation's workforce and military services and, since many are parents, to the healthy development of the next generation. Although 'millennials' have received attention in the popular media in recent years, young adults are too rarely treated as a distinct population in policy, programs, and research. Instead, they are often grouped with adolescents or, more often, with all adults. Currently, the nation is experiencing economic restructuring, widening inequality, a rapidly rising ratio of older adults, and an increasingly diverse population. The possible transformative effects of these features make focus on young adults especially important. A systematic approach to understanding and responding to the unique circumstances and needs of today's young adults can help to pave the way to a more productive and equitable tomorrow for young adults in particular and our society at large. Investing in The Health and Well-Being of Young Adults describes what is meant by the term young adulthood, who young adults are, what they are doing, and what they need. This study recommends actions that nonprofit programs and federal, state, and local agencies can take to help young adults make a successful transition from adolescence to adulthood. According to this report, young adults should be considered as a separate group from adolescents and older adults. Investing in The Health and Well-Being of Young Adults makes the case that increased efforts to improve high school and college graduate rates and education and workforce development systems that are more closely tied to high-demand economic sectors will help this age group achieve greater opportunity and success. The report also discusses the health status of young adults and makes recommendations to develop evidence-based practices for young adults for medical and behavioral health, including preventions. What happens during the young adult years has profound implications for the rest of the life course, and the stability and progress of society at large depends on how any cohort of young adults fares as a whole. Investing in The Health and Well-Being of Young Adults will provide a roadmap to improving outcomes for this age group as they transition from adolescence to adulthood.

The Risk of Discrimination in the Digital Market

Author : Sara Tommasi
Publisher : Springer Nature
ISBN 13 : 3031436407
Total Pages : 111 pages
Book Rating : 4.0/5 (314 download)

DOWNLOAD NOW!

Book Synopsis The Risk of Discrimination in the Digital Market by : Sara Tommasi

Download or read book The Risk of Discrimination in the Digital Market written by Sara Tommasi and published by Springer Nature. This book was released on 2023-11-29 with total page 111 pages. Available in PDF, EPUB and Kindle. Book excerpt: The book starts with an analysis of what is new in the Digital Services Act. The aim is to see whether this new Regulation is appropriate both for not halting technological innovation and for addressing the risks that technological innovation poses to society and to the people who use digital services. The focal point is the risk of discrimination as people are often helpless in the face of the potential discriminations in the digital services sector. In particular, the book analyses how the Digital Services Act can make a concrete contribution to the protection against discrimination. To this end, it focuses on the responsibility of digital service providers and the fact that discrimination may also depend on the way in which algorithms and artificial intelligence systems are used. Therefore, a comparison is made between the Digital Services Act and the proposed Artificial Intelligence Act. The comparison discloses that the risk-based approach is the common thread followed by the EU in regulating the digital market. The book elaborates also on the practical implications of the risk-based approach. Highlighting advantages and limitations leading the author to conclude that the risk-based approach is the way forward only if the differences between risk and danger, the limits of law, and the limits of the tendency to humanise artificial intelligence systems are considered. With specific reference to the risk of discrimination, the need for a systemic and multi-level approach is highlighted, which reinforces the contribution that can be made not only by the Digital Services Act, but also by more general and cross-cutting legislation as those on data protection and unfair commercial practices.