Redlining

622). For example, the Federal Housing Administration (FHA), which was one of the programs that was using the map to discriminate against minority group especially for African American known as redlining practice. Under the FHA, it systematically excluded non-whites from take out home loans since the redlining…

because of the reason of tackling with high default rates of that group of people’ (mbaskool, n.d). Fannie Mae soon began to demand that lending institutions they were dealing with portrayed evidence to prove that they were not engaging in the act of redlining. The new requirements enforced by Fannie Mae subsequently lead to lending institutions lowering their standards on granting loans and charging higher interest rates on loans. This in turn meant that technically Fannie Mae pushed lending…

1. The court case Murray v. Maryland (1936) used precedent from the US Supreme Court Case Plessy v. Ferguson that ruled segregation was constitutional as long as it was separate but equal. Why could using this dogma be problematic in the journey for civil rights? Murray v. Maryland (1936) was won the lower levels of the court system which was quite a victory, at the time getting a judge residing in the south, to see the injustices of segregation was not an easy task. Attorneys working these…

our Negro families are happier when they live in their own communities” (118). This is a prime example of racial segregation and redlining. The federal government policy of redlining was the act of not giving loans or insurance to people that are deemed as a poor and financial risk area. The redlining distribute the wealth of America unequally, and because of redlining most black community around America today tend to have low-value homes and abandon housing, leaving black communities in poverty…

Levittown came with certain policies that limited minorities from purchasing a home in that area. It wasn’t Levittown either, many suburban communities followed suit. The FHA enabled this type of segregation by creating disparity through the process of redlining. In “The Realty Code”, it states that “the FHA underwriting manuals not only adopted the phraseology of “inharmonious races and classes,” but advocated racial restrictions, physical barriers, racial covenant, and racial zoning as methods…

In the Rights of Man, pamphleteer Thomas Paine extols America for being a melting pot of various diverse nationalities and religions, who promote freedom and liberty. Thomas Paine agreed that constructing an effective government would be on the premise that liberty, freedom, and diversity would be accepted and also would be supported by the common principles of society and the rights of man to achieve a cordial union. Unfortunately, Thomas Paine’s views on a utopian America were not only fiction…

Hypersegregation is the term coined by sociologists Douglas Massey and Nancy Denton used to describe areas that are extremely concentrated, isolated, and segregated (Chen, Orum, and Paulsen 200). Hypersegregation can be measured by determining the indices of exposure, dissimilarity, and isolation (Chen, Orum, and Paulsen 199). The index of exposure shows the degree that people live proximal to individuals of a different racial or ethnic group, while the index of isolation shows the degree that…

The purpose of public education should be to give students a free and equal education. While I do believe that public education provides an abundant education for some, I also believe it hinders and holds back others. Public education gives students a free and unequal education. Inner-city students attend public schools where they lack books and engaged teachers. They are expected to learn without the necessary resources. Inner-city students don’t have the funds they need to gain an equal…

this. It would require large scale funding with a daunting scope to repay individual inheritance, with interest, for slavery earnings. It is imperative to note, however, that slavery was not limited to plantations or to the nineteenth century. Redlining, black mortgage contracts and segregated…

Reparations for African Americans: Does it Make Sense? Introduction The idea of reparations in general has been around for a significant period of time. Multiple countries have given reparations to groups of people for atrocities committed in the past. For example, in 1952 Germany paid $822 million to Holocaust survivors in the German Jewish Settlement. Austria, Canada, and the United States have also all given reparations to groups of people in different settlements and treaties (History of…