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An examination of the limitations of the Occupy Wall Street protests and the challenges that remain.

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.


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



Undoing the Bitter Legacy of Segregation and Discrimination


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


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


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 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





American Banker
Aug 14, 2013
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.

- Gregory D. Squires and Chester Hartman, American Banker

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. This collection gives us the essential background to understand these developments and to support the struggle for social justice in housing that is emerging.
- 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 Lending, leading experts and activists in housing and lending practices reflect on how the Occupy spirit revives the historic civil rights and grassroots organizing movements to take on new challenges in a new century.
- 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 Fair Lending shows us what needs to be done to achieve those goals. Hartman and Squires have assembled the nation's leading fair housing advocates and scholars. Given the continuing fallout of the foreclosure debacle, the timing could not be better for this book.
- 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 enforcement. Traditional responses to the current challenges may be reaching the limits of their effectiveness. From Foreclosure to Fair Lending demonstrates another way.
- Michael P. Seng, Co-executive Director, The John Marshall Law School Fair Housing Legal Support Center and Clinic

Rooflines: The Shelterforce blog
Aug 15, 2012
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.

- Peter Dreier and Gregory D. Squires , Rooflines: The Shelterforce blog