Well-known fair housing and fair lending activists and organizers examine the implications of the new wave of fair housing activism generated by Occupy Wall Street protests and the many successes achieved in fair housing and fair lending over the years. The book reveals the limitations of advocacy efforts and the challenges that remain. Best directions for future action are brought to light by staff of fair housing organizations, fair housing attorneys, community and labor organizers, and scholars who have researched social justice organizing and advocacy movements. The book is written for general interest and academic audiences.

Contributors address the foreclosure crisis, access to credit in a changing marketplace, and the immoral hazards of big banks. They examine opportunities in collective bargaining available to homeowners and how low-income and minority households were denied access to historically low home prices and interest rates. Authors question the effectiveness of litigation to uphold the Fair Housing Act's promise of nondiscriminatory home loans and ask how the Consumer Financial Protection Bureau is assuring fair lending. They also look at where immigrants stand, housing as a human right, and methods for building a movement.

Details

Title From Foreclosure to Fair Lending
Subtitle Advocacy, Organizing, Occupy, and the Pursuit of Equitable Credit
Foreword by Douglas S. Massey
Publisher New Village Press
BISAC Subject Heading BUS051000 BUSINESS & ECONOMICS / Public Finance
SOC026030 SOCIAL SCIENCE / Sociology / Urban
Audience 01 General / trade
Title First Published 15 October 2013
Subject Scheme Identifier Code      93 Thema subject category: KFFD      93 Thema subject category: JBSD
Includes Index
 
Format Paperback
Nb of pages 352 p. Index .
Product Detail Trade paperback (US)
ISBN-10 1-61332-013-2
ISBN-13 978-1-61332-013-6
GTIN13 (EAN13) 9781613320136
Related Formats Electronic version available as GTIN-13 - (EAN 13) 9781613320143
Publication Date 15 October 2013
Publication New York, United States
Product Content Photographs, Figures, diagrams, charts, graphs
Main content page count 352
Illustrations 43 Illustrations
43 illustrations, black & white
Dimensions 6 x 9 x 0.8 in.
Weight 19.9 oz.
List Price $19.95
 
Format ePub
Nb of pages 352 p. Index .
Product Detail EPUB
ISBN-10 1613320140
ISBN-13 9781613320143
Related Formats Epublication based on (print product) GTIN-13 - (EAN 13) 9781613320136
Publication Date 22 October 2013
Main content page count 352
Illustrations 43 Illustrations
43 illustrations, black & white
List Price $19.95
 

Summary

FOREWORD

Undoing the Bitter Legacy of Segregation and Discrimination


INTRODUCTION

Occupy Wall Street: A New Wave of Fair Housing Activism?


THE ACTIVISTS

The More Things Change, the More They Stay the Same: Race, Risk, and Access to Credit in a Changing Market

     by Debby Goldberg and Lisa Rice, National Fair Housing Alliance

Onward and Upward: The Fight to Ensure Equal Access to Credit via the Federal Housing Administration

     by David Berenbaum and Katrina Forrest, National Community Reinvestment Coalition

Five Lessons Offered by but Not Learned from the Recent Collapse of the US Economy and the Housing Market

     by James H. Carr, Housing and Finance Consultant, and Katrin B. Anacker, George Mason University

Opportunity Lost: How Low-Income and Minority Households Were Denied Access to Historically Low Home Prices and Interest Rates

     by M William Sermons, Center for Responsible Lending

Finding a Home for the Occupy Movement: Lessons from the Baltimore and Memphis Wells Fargo Litigation

     by John P. Relman, Relman, Dane & Colfax PLLC

A Tale of Two Recoveries: Discrimination in the Maintenance and Marketing of REO Properties in African American and Latino Neighborhoods across America

     by Shanna L. Smith and Shanti Abedin, National Fair Housing Alliance


THE ORGANIZERS

Building the Power to Win the Battle of Big Ideas and Advance a Long-Term Agenda

     by George Goehl, National People's Action, and Sandra Hinson, Grassroots Policy Project

Forcing Banks to the Bargaining Table: Renegotiating Wall Street's Relationship with Our Communities

     by Stephen Lerner, Georgetown University, and Saqib Bhatti, Service Employees International Union

Housing as a Human Right: Where Do Immigrants Stand?

     by Janis Bowdler, National Council of La Raza, Donald L. Kahl, Equal Rights Center, and Jose A. Garcia, National Council of La Raza


THE SCHOLARS

The Limits of Litigation in Fulfilling the Fair Housing Act's Promise of Nondiscriminatory Home Loans

     by Robert G. Schwemm, University of Kentucky College of Law

Housing, Race, and Opportunity

     by john a. powell, University of California, Berkeley

The Progressive Advocacy World: Winning Battles and Losing the War

     by Mike Miller, ORGANIZE Training Center

Building a Movement for Fair Lending, Foreclosure Relief, and Financial Reform

     by Peter Dreier, Occidental College

CONCLUSION

CONTRIBUTORS

INDEX

Reviews

Press Reviews

Housing policies and practices are at the center of the ongoing economic crisis in the United States, and the consequences in lost homes and lost savings have been devastating for many Americans
...more

- Frances Fox Piven, City University of New York Graduate School

Occupy Wall Street's biggest success was its impact on the national conversation. But now, many voices ask, what next? This book offers some important answers. In From Foreclosure to Fair
...more

- Clarence Page, Pulitzer Prize-winning syndicated columnist for the Chicago Tribune

Realizing the objectives of the 1968 Fair Housing Act has long been considered one of the most critical pieces of unfinished business of the civil rights movement. From Foreclosure to
...more

- Ben Jealous, President, NAACP

Our nation is at a crossroads precipitated by the lending and foreclosure crisis that has the potential of erasing the gains of forty-five years of fair housing/fair lending
...more

- Michael P. Seng, Co-executive Director, The John Marshall Law School Fair Housing Legal Support Center and Clinic



Related News

Forty years ago, Gale Cincotta, affectionately known in the community organizing world as the mother of community reinvestment, led her troops into bank lobbies, effectively shutting them down for the day; held barbecues on the front yards of bank executives; and threatened Federal Reserve Chairman Paul Volcker that she would hang a "Loan Shark" sign over the Fed office in Washington.
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A New Wave of Fair-Lending Activism
-Gregory D. Squires and Chester Hartman Aug 14, 2013

Last month Wells Fargo, the nation's largest home mortgage lender and fourth largest bank, agreed to pay at least $175 million to redress blatant discrimination against African American and Hispanic borrowers. The irony is that this settlement—the second largest in the Justice Department's history—is with a bank that for decades has made significant strides in recruiting more minorities and women to its corporate board. This raises the obvious question of whether greater diversity within the upper ranks of corporate America can, on its own, change the way these businesses do business.
...more


Racial and Gender Diversity at the Top Is Good, But it Can't Stop Greed
-Peter Dreier and Gregory D. Squires Aug 15, 2012


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