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Book Titles No access
Where Credit Is Due
Bringing Equity to Credit and Housing After the Market Meltdown
Authors:
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Publisher:
2013
Summary
While much recent attention has been focused on the subprime lending and foreclosure crisis, little has been said about its radically-disparate impact. Drawing upon history as well as insight into the current crisis, this book shows that this crisis is not an anomaly, especially for people of color; nor is it over. People of color have been excluded from wealth-building opportunities via homeownership continuously throughout United States history, from the outright denial of credit and residential racial discrimination, to federally-sponsored urban renewal programs. The subprime lending and foreclosure crisis is predicted to strip a quarter of a trillion dollars in wealth from black and Latino homeowners. It has reversed home ownership gains for people of color and has decimated neighborhoods across the United States while impacting local, regional, national, and international economies. The consequences are devastating. This collection of essays provides a framework for creating equitable policy and ultimately building more stable communities for all Americans.
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Bibliographic data
Copyright year
2013
ISBN-Print
978-0-7618-5606-1
ISBN-Online
978-0-7618-5607-8
Publisher
Hamilton Books, Lanham
Language
English
Pages
394
Product type
Book Titles
Table of contents
ChapterPages
Contents No access
Acknowledgments No access
Introduction No access
Chapter One. Overview No access Pages 1 - 22
Chapter Two. Understanding the Subprime Crisis: Institutional Evolution and Theoretical Views No access Pages 23 - 67
Chapter Three. Subprime Lending, Foreclosure and Race: An Introduction to the Role of Securitization in Residential Mortgage Finance No access Pages 68 - 95
Chapter Four. A Structural Racism Lens on Subprime Foreclosures and Vacant Properties No access Pages 96 - 116
Chapter Five. Subprime Lending, Mortgage Foreclosure and Race: How Far Have We Come and How Far Have We to Go? No access Pages 117 - 139
Chapter Six. Subprime Lending in the City of Cleveland and Cuyahoga County No access Pages 140 - 162
Chapter Seven. Bending Toward Justice: An Empirical Study of Foreclosures in One Neighborhood Three Years after Impact and a Proposed Framework for a Better Community No access Pages 163 - 186
Chapter Eight. The Foreclosure Crisis and Fair Credit Access in Immigrant Communities No access Pages 187 - 202
Chapter Nine. An Ethnographic View of Impact: Asset Stripping for People of Color No access Pages 203 - 219
Chapter Ten. Affirmatively Furthering Fair Housing: A Critical Component of the Neighborhood Stabilization Program No access Pages 220 - 228
Chapter Eleven. Fannie, Freddie, and the Future of Fair Housing No access Pages 229 - 252
Chapter Twelve. Fannie Mae and Freddie Mac: How Can We Improve Their Support of the Mortgage Market? No access Pages 253 - 266
Chapter Thirteen. Furthering Fair Housing, the Housing Finance System, and the Government Sponsored Enterprises No access Pages 267 - 298
Chapter Fourteen. Give Credit Where Credit Is Due: Overhauling the CRA No access Pages 299 - 318
Chapter Fifteen. Breaking the Bank /(Re)Making the Bank: America’s Financial Crisis and the Implications for Sustainable Advocacy for Fair Credit and Fair Banking No access Pages 319 - 339
Chapter Sixteen. The Housing and Credit Crisis Revisited: Looking Back and Moving Forward No access Pages 340 - 368
