Redlining To Reinvestment Book in PDF, ePub and Kindle version is available to download in english. Read online anytime anywhere directly from your device. Click on the download button below to get a free pdf file of Redlining To Reinvestment book. This book definitely worth reading, it is an incredibly well-written.
After decades of suffering redlining and disinvestment by financial institutions, many communities have learned to fight back successfully. In more than seventy U.S. cities, over 300 community-based organizations have negotiated at least eighteen billion dollars in reinvestment commitments in recent years. In original essays, well-known community activists and activist academics tell the stories of some of the most successful reinvestment campaigns in Boston, Pittsburgh, Detroit, Chicago, Milwaukee, Atlanta, and California. In the series Conflicts in Urban and Regional Development, edited by John R. Logan and Todd Swanstrom.
"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.
Insurance Redlining by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance Pdf
Distributed to some depository libraries in microfiche.
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.
It is difficult to ignore the fact that, even as the United States becomes much more racially and ethnically diverse, our neighborhoods remain largely segregated. The 1968 Fair Housing Act and 1977 Community Reinvestment Act promised to end discrimination, yet for millions of Americans housing options remain far removed from the American Dream. Why do most neighborhoods in American cities continue to be racially divided? The problem, suggests Mara Sidney, lies with the policies themselves. She contends that to understand why discrimination persists, we need to understand the political challenges faced by advocacy groups who implement them. In Unfair Housing she offers a new explanation for the persistent color lines in our cities by showing how weak national policy has silenced and splintered grassroots activists. Sidney explains how political compromise among national lawmakers with divergent interests resulted in housing legislation that influenced how community activists defined discrimination, what actions they took, and which political relationships they cultivated. As a result, local governments became less likely to include housing discrimination on their agendas, existing laws went unenforced, and racial segregation continued. A former undercover investigator for a fair housing advocacy group, Sidney takes readers into the neighborhoods of Minneapolis and Denver to show how federal housing policy actually works. She examines how these laws played out in these cities and reveals how they eroded activists' capability to force more sweeping reform in housing policy. Sidney also shows how activist groups can cultivate community resources to overcome these difficulties, looking across levels of government to analyze how national policies interact with local politics. In the first book to apply policy design theories of Anne Schneider and Helen Ingram to an empirical case, Sidney illuminates overlooked impacts of fair housing and community reinvestment policies and extends their theories to the study of local politics and nonprofit organizations. Sidney argues forcefully that understanding the link between national policy and local groups sheds light on our failure to reduce discrimination and segregation. As battles over fair housing continue, her book helps us understand the shape of the battlefield and the prospects for victory.
International Encyclopedia of Human Geography by Anonim Pdf
International Encyclopedia of Human Geography, Second Edition, Fourteen Volume Set embraces diversity by design and captures the ways in which humans share places and view differences based on gender, race, nationality, location and other factors—in other words, the things that make people and places different. Questions of, for example, politics, economics, race relations and migration are introduced and discussed through a geographical lens. This updated edition will assist readers in their research by providing factual information, historical perspectives, theoretical approaches, reviews of literature, and provocative topical discussions that will stimulate creative thinking. Presents the most up-to-date and comprehensive coverage on the topic of human geography Contains extensive scope and depth of coverage Emphasizes how geographers interact with, understand and contribute to problem-solving in the contemporary world Places an emphasis on how geography is relevant in a social and interdisciplinary context
Southern Methodist University. Institute of International Banking and Finance
Author : Southern Methodist University. Institute of International Banking and Finance Publisher : Kluwer Law International B.V. Page : 330 pages File Size : 50,5 Mb Release : 1999-05-06 Category : Law ISBN : 9789041197177
Consumer Protection in Financial Services by Southern Methodist University. Institute of International Banking and Finance Pdf
The question of how financial services should be regulated in the interests of consumers has never been more topical. The structure of the financial services industry is changing rapidly and the need for the law to keep pace with these changes has never been greater. This book examines the role of the law in the protection of the consumer, in particular the ways in which the law is, and could be, used to protect consumers when purchasing financial services. A prominent panel of contributors first examines the role of the European Union and the ombudsmen schemes operating in the United Kingdom in improving consumer protection. Eight expert papers present a detailed analysis of aspects of the various legal mechanisms protecting consumers in the banking, financial services, investments and insurance industries. The final part of the book is concerned with the important and controversial area of consumer credit. This unique work is a welcome contribution to a rapidly developing area of law, which has so far received little attention from commentators. It will be of great interest to those at the cutting edge of banking, financial services and consumer law, whether practicing lawyers or in-house counsel, and all those involved in advising consumers.
This book discusses the revitalization of decayed inner-city neighborhoods. It explores the role of social capital in stabilizing and turning around distressed communities, and it highlights the roles that local actors can and do play in the revitalization process. The Art of Revitalization takes two Chicago neighborhoods, Englewood and North Lawndale, as case studies. Zielenbach discusses them in the context of racial change and urban decay in Chicago since World War II. The account of the changing neighborhoods is fascinating and clear, and the strength of the author's portrayal of Chicago's transformation sets the stage for his detailed analysis.
Deciding Where to Live by Melissa G. Ocepek,William Aspray Pdf
Deciding Where to Live: Information Studies on Where to Live in America explores major themes related to where to live in America, not only about the acquisition of a home but also the ways in which where one lives relates to one’s cultural identity. It shows how changes in media and information technology are shaping both our housing choices and our understanding of the meaning of personal place. The work is written using widely accessible language but supported by a strong academic foundation from information studies and other humanities and social science disciplines. Chapters analyze everyday information behavior related to questions about where to live. The eleven major chapters are: Chapter 1: Where to live as an information problem: three contemporary examples Chapter 2: Turning in place: Real estate agents and the move from information custodians to information brokers Chapter 3: The Evolving Residential Real Estate Information Ecosystem: The Rise of Zillow Chapter 4: Privacy, Surveillance, and the “Smart Home” Chapter 5: This Old House, Fixer Upper, and Better Homes & Gardens: The Housing Crisis and Media Sources Chapter 6: A Community Responds to Growth: An Information Story About What Makes for a Good Place to Live." Chapter 7: The Valley Between Us: The meta-hodology of racial segregation in Milwaukee, Wisconsin Chapter 8: Modeling Hope: Boundary Objects and Design Patterns in a Heartland Heterotopia Chapter 9: Home buying in Everyday Life: How Emotion and Time Pressure Shape High Stakes Deciders’ Information Behavior Chapter 10: In Search of Home: Examining Information Seeking and Sources That Help African Americans Determine Where to Live Chapter 11: Where to Live in Retirement: A Complex Information Problem While the book is partly about the goal-directed activity of individuals who want to buy a house, and the infrastructure that supports that activity, it is also about personal activities that are either not goal directed or are directed at other goals such as deciding in which geographic location to live, personal entertainment, cultural understanding, or identity formation.
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.
Transforming the U.S. Financial System: An Equitable and Efficient Structure for the 21st Century by Gary Dymski,Gerald Epstein,Robert Pollin Pdf
This work challenges the conventional understanding of Hong Kong's political culture as one of indifference. It takes a historical look at political participation in the former colony and includes an in-depth analysis of 13 selected cases.
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.
