What is redlining?
Redlining was a government-sanctioned discriminatory policy that designated most urban minority-majority neighborhoods as places banks were discouraged from offering home mortgages. The term comes from the color maps developed in the late 1930s by Homer Hoyt, an economist with the Federal Housing Administration (FHA). The FHA gave more than 250 cities color-coded maps illustrating each neighborhood’s classification:
Last week, the Federal Housing Administration (FHA) announced immediate changes on how student loans are calculated, which will open the door to families that were previously shut out of homeownership due to high student debt.
The policy updates remove the current requirement that lenders calculate a borrower’s student loan monthly payment at one percent of the outstanding student loan balance for student loans that are not fully amortizing or are not in repayment. The new policy uses the actual student loan payment, which is often lower and helps home buyers meet minimum eligibility requirements. The policy states:
For outstanding Student…
1969 — MLB’s First Attempt at Fairness
At this point, we have been down this road a few times. Fifty-two years ago, in 1969, an opportunity came up to retroactively award Negro League players Major League status. However, at that time, Major League Baseball (MLB) rejected the idea.
2004 — MLB’s Second Attempt to Right a Wrong
Seventeen years ago, in 2004, the MLB commissioner Allan H. (Bud) Selig announced the creation of a charitable program that would provide more than $1 million in contributions to Negro League players who played all or a portion of one season in the…
It is widely known that race is a social construct that has no basis in science or theology. In fact, no education is needed to understand that it is cruel to deem any human as somehow less worthy. But, even without logic, validity, or any measure of truthfulness, race has proven to be a very powerful strategy to maintain the paradigm of inequality. It has done so since the first Africans arrived in Jamestown, Virginia, in August of 1619.
Isabel Wilkerson’s book, Caste, offers excellent commentary on the engine behind America’s cruel method of assigning and categorizing human value. The…
I am a fan of the Christmas classics, especially from the Temptations, the Whispers, Nat King Cole, and others. I also enjoy old tunes reimagined as hip new grooves by singers such as Chris Brown, Mariah Carey, Fantasia, and Christina Aguilera. However, this year, I noticed a lyric from a Christmas song by Busta Rhymes and Jim Carey, Grinch 2000, that made me reflect on America’s history of housing segregation.
At the end of the song, Carey gives a “shout out to the Westside of Whoville.” Even though this lyric made me laugh at first, I began thinking about America’s…
I was a young college cheerleader when I discovered that race was actually a social construct and that it had no genetic, biological, or scientific foundation. This was a startling discovery. I wrestled with my very real, lived experience — particularly on what it meant to be one of only twelve black students at a predominantly white institution.
First day of college, I saw a KKK meeting in progress
WASHINGTON, DC — The Congressional Black Caucus (CBC) issued an emergency call-to-action convening to implore Black leadership to mobilize their organizations and communities around two critical action items that must be executed with purpose and precision.
Over the next few months, the CBC is asking black people and those who support justice and equality for all to apply disproportionate energy toward two goals:
(1) to ensure Black people are accurately counted in the 2020 Census; and
(2) to expand the electorate through voter education, registration, and election participation.
More than 2,000 black leaders from civil rights, labor, social justice, faith-based…
Earlier this month, Dartmouth College announced that it has settled a contentious federal lawsuit with nine women who sued the school over sexual misconduct allegations for more than $14 million. In their lawsuit, the women, who were Ph.D. candidates, as well as graduates and undergraduates, alleged that professors William Kelley, Paul Whalen, and Todd Heatherton harassed and touched women inappropriately, often while out partying at bars or at their homes where one hosted hot tub parties. …