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Author: Mary Burnham
Publisher:
ISBN:
Category : American literature
Languages : en
Pages : 1612
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Author: Mary Burnham
Publisher:
ISBN:
Category : American literature
Languages : en
Pages : 1612
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Author: Thomas Johnston Homer
Publisher:
ISBN:
Category : Boston (Mass.)
Languages : en
Pages : 818
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Author: Thomas J. Homer
Publisher:
ISBN:
Category : Learned institutions and societies
Languages : en
Pages : 536
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Author: Newark Public Library. Business Branch
Publisher:
ISBN:
Category : Business
Languages : en
Pages : 612
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Author:
Publisher:
ISBN:
Category : American literature
Languages : en
Pages : 2188
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Author: Ida M. Lynn
Publisher:
ISBN:
Category : American literature
Languages : en
Pages : 894
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Author: Anne Fleming
Publisher: Harvard University Press
ISBN: 0674982053
Category : History
Languages : en
Pages : 198
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Since the rise of the small-sum lending industry in the 1890s, people on the lowest rungs of the economic ladder in the United States have been asked to pay the greatest price for credit. Again and again, Americans have asked why the most fragile borrowers face the highest costs for access to the smallest loans. To protect low-wage workers in need of credit, reformers have repeatedly turned to law, only to face the vexing question of where to draw the line between necessary protection and overreaching paternalism. City of Debtors shows how each generation of Americans has tackled the problem of fringe finance, using law to redefine the meaning of justice within capitalism for those on the economic margins. Anne Fleming tells the story of the small-sum lending industry’s growth and regulation from the ground up, following the people who navigated the market for small loans and those who shaped its development at the state and local level. Fleming’s focus on the city and state of New York, which served as incubators for numerous lending reforms that later spread throughout the nation, differentiates her approach from work that has centered on federal regulation. It also reveals the overlooked challenges of governing a modern financial industry within a federalist framework. Fleming’s detailed work contributes to the broader and ongoing debate about the meaning of justice within capitalistic societies, by exploring the fault line in the landscape of capitalism where poverty, the welfare state, and consumer credit converge.
Author: Keeanga-Yamahtta Taylor
Publisher: UNC Press Books
ISBN: 1469653672
Category : History
Languages : en
Pages : 364
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LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.
Author:
Publisher:
ISBN:
Category : American literature
Languages : en
Pages : 892
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Book Description
A world list of books in the English language.
Author: United States. Congress
Publisher:
ISBN:
Category : Law
Languages : en
Pages : 734
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