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Association: Name: The Law and Society Association URL: http://www.lawandsociety.org
Citation: URL: http://www.allacademic.com/meta/p236729_index.html Direct Link: HTML Code:

Brown, Carol. "Racism's Property Victims: Why Blacks Are Exploitable by Subprime Mortgages" Paper presented at the annual meeting of the The Law and Society Association, Hilton Bonaventure, Montreal, Quebec, Canada, May 27, 2008 <Not Available>. 2009-05-23 <http://www.allacademic.com/meta/p236729_index.html>

Brown, C. N. , 2008-05-27 "Racism's Property Victims: Why Blacks Are Exploitable by Subprime Mortgages" Paper presented at the annual meeting of the The Law and Society Association, Hilton Bonaventure, Montreal, Quebec, Canada <Not Available>. 2009-05-23 from http://www.allacademic.com/meta/p236729_index.html

Publication Type: Conference Paper/Unpublished Manuscript Abstract: The United States’ history of racially discriminatory banking, housing, and property policies created a community of black Americans accustomed to exploitative financial services and vulnerable to victimization by subprime lenders. This paper explores how disparate lending practices coupled with banking deregulation undermined the Congressional push for increased minority homeownership in the early 1990s and widened the already burgeoning wealth divide. Millions of borrowers who accepted subprime loans between 1998 and 2006 already have or will lose their homes to foreclosure, resulting in a net loss in homeownership for nearly one million families. Blacks are disproportionately represented among the subprime victims, especially black women. The lending and financial services structure that caused this crisis is complicated by evidence of redlining and of steering blacks into subprime loans, all of which contributed to the present foreclosure crisis. This subprime dilemma merely adds new terminology to a long history of racial discrimination in housing in America. In the end, the paper argues that the search for an understanding of the cumulative events that facilitated the exploitation of blacks by subprime lenders illuminates the institutional and national impediments to reversing the present and future harm of the subprime crisis and to ensuring blacks equal access to one of the benefits of full citizenship – property.

The Declining Significance of Black Male Employment: Gendered Racism of Black Men in Corporate America

The 'Security Paradoxes" of the Black Sea Region: Is Black Sea Regional Cooperation potentially viable or a victim of deep-rooted antagonisms?