scholarly journals Riding the Stagecoach to Hell: A Qualitative Analysis of Racial Discrimination in Mortgage Lending

2016 ◽  
Vol 15 (2) ◽  
pp. 118-136 ◽  
Author(s):  
Douglas S. Massey ◽  
Jacob S. Rugh ◽  
Justin P. Steil ◽  
Len Albright
Keyword(s):  
Racial Discrimination ◽  
Direct Evidence ◽  
Mortgage Lending ◽  
Racial Differentials ◽  
The Social ◽  
Individual Discrimination ◽  
Housing Boom ◽  
To Receive ◽  
Fair Lending ◽  
The U.S

Recent studies have used statistical methods to show that minorities were more likely than equally qualified whites to receive high–cost, high–risk loans during the U.S. housing boom, evidence taken to suggest widespread discrimination in the mortgage lending industry. The evidence, however, was indirect, being inferred from racial differentials that persisted after controlling for other factors known to affect the terms of lending. Here we assemble a qualitative database to generate direct evidence of discrimination. Using a sample of 220 statements randomly selected from documents assembled in the course of recent fair lending lawsuits, we code texts for evidence of individual discrimination, structural discrimination, and potential discrimination in mortgage lending practices. We find that 76 percent of the texts indicated the existence of structural discrimination, with only 11 percent suggesting individual discrimination alone. We then present a sample of texts that were coded as discriminatory to reveal the way in which racial discrimination was embedded within the social structure of U.S. mortgage lending, and to reveal the specific microsocial mechanisms by which this discrimination was effected.

Racial Discrimination in Kathryn Stockett’s "The Help"

Lexicon ◽  
2018 ◽  
Vol 4 (1) ◽  
Author(s):  
Amalia Putri Maurilla
Keyword(s):  
United States ◽  
African American ◽  
Racial Discrimination ◽  
Social Condition ◽  
Southern United States ◽  
The Novel ◽  
White People ◽  
Sociological Approach ◽  
The Social ◽  
Individual Discrimination

Kathryn Stockett’s novel titled The Help is a narrative novel about the lives of African-American maids named Aibileen and Minny who received discriminative treatments from the white masters around 1960s in Southern United States. This research aims to answer two objectives, which are; to explore the racial discrimination acts toward the black maids and to investigate the effects of racial discrimination to the black maids’ lives. Since the present writer analyzes the discriminative treatments from the white masters toward the black maids based on the real social condition in the era of 1960s in Southern United States, Sociological Approach is considered as the most suitable approach to be applied. In addition, Fred L. Pincus’s theory about type of discrimination is also used in analyzing the discrimination acts. The result of this research paper shows there are two types of discrimination as seen in the novel; individual discrimination and institutional discrimination, and those discrimination acts reflect the social condition of 1960s in Southern United States. Meanwhile, racial discrimination affects the lives of the black maids in term of distrust toward white people and insecurity.

Role of the Community Reinvestment Act in Mortgage Supply and the U.S. Housing Boom

2020 ◽  
Vol 33 (11) ◽  
pp. 5288-5332 ◽  
Author(s):  
Vahid Saadi
Keyword(s):  
House Price ◽  
Mortgage Lending ◽  
Community Reinvestment Act ◽  
Census Tracts ◽  
Community Reinvestment ◽  
Housing Boom ◽  
Price Growth ◽  
Boom Period ◽  
The U.S

Abstract This paper studies the role of the Community Reinvestment Act (CRA) in the U.S. housing boom-bust cycle. I find that enhanced CRA enforcement in 1998 increased the growth rate of mortgage lending by CRA-regulated banks to CRA-eligible census tracts. I show that during the boom period house price growth was higher in the eligible census tracts because of the shift in mortgage supply of regulated banks. Consequently, these census tracts experienced a worse housing bust. I find that CRA-induced mortgages were awarded to borrowers with lower FICO scores and were more frequently delinquent.

Social Security Survivors Benefits: The Effects of Reproductive Pathways and Intestacy Law on Attitudes

2013 ◽  
Vol 41 (2) ◽  
pp. 514-524 ◽  
Author(s):  
Jason D. Hans ◽  
Martie Gillen
Keyword(s):  
Social Security ◽  
Supreme Court ◽  
Social Security Administration ◽  
The Social ◽  
Minor Children ◽  
To Receive ◽  
The U.S

According to the Social Security Administration, 98% of minor children are eligible to receive survivors benefits if a working parent dies. However, the eligibility of children born, and even conceived, after a working parent dies is less clear. In recent years, the Social Security Administration has received more than 100 applications for survivors benefits filed on behalf of children conceived after a parent's death, and one such case, Astrue v. Capato, was heard by the U.S. Supreme Court in 2012. In that case, whether the child is eligible to inherit under state intestacy law was accepted as a reasonable — and is a common — approach for determining eligibility for Social Security survivors benefits. The purpose of this study is to examine attitudes concerning access to Social Security survivors benefits (hereafter referred to as survivors benefits) in the context of various reproductive pathways and varying state intestacy laws.

The Social Contexts of Racial Discrimination in Sentencing

1986 ◽  
Vol 33 (3) ◽  
pp. 236-251 ◽  
Author(s):  
Martha A. Myers ◽  
Susette M. Talarico
Keyword(s):  
Racial Discrimination ◽  
Social Contexts ◽  
The Social

Institutional actors: Children’s emerging beliefs about the causal structure of social roles

2019 ◽  
Author(s):  
Alexander Noyes ◽  
Frank Keil ◽  
Yarrow Dunham
Keyword(s):  
Soccer Player ◽  
Social Roles ◽  
Social Role ◽  
Causal Structure ◽  
Executive Orders ◽  
The Social ◽  
The World ◽  
Children's Beliefs ◽  
Institutional Actors ◽  
The U.S

Institutions make new forms of acting possible: Signing executive orders, scoring goals, and officiating weddings are only possible because of the U.S. government, the rules of soccer, and the institution of marriage. Thus, when an individual occupies a particular social role (President, soccer player, and officiator) they acquire new ways of acting on the world. The present studies investigated children’s beliefs about institutional actions, and in particular whether children understand that individuals can only perform institutional actions when their community recognizes them as occupying the appropriate social role. Two studies (Study 1, N = 120 children, 4-11; Study 2, N = 90 children, 4-9) compared institutional actions to standard actions that do not depend on institutional recognition. In both studies, 4- to 5-year-old children believed all actions were possible regardless of whether an individual was recognized as occupying the social role. In contrast, 8- to 9-year-old children robustly distinguished between institutional and standard actions; they understood that institutional actions depend on collective recognition by a community.

scholarly journals A Panel Evaluation of the Changes in the General Public’s Social-Media-Following of United States’ Public Health Departments during COVID-19 Pandemic

2021 ◽  
Vol 12 ◽  
pp. 215013272199545
Author(s):  
Areej Khokhar ◽  
Aaron Spaulding ◽  
Zuhair Niazi ◽  
Sikander Ailawadhi ◽  
Rami Manochakian ◽  
...  
Keyword(s):  
Public Health ◽  
Social Media ◽  
State Level ◽  
The State ◽  
Public Health Department ◽  
Health Departments ◽  
The Public ◽  
Public Health Departments ◽  
The Social ◽  
The U.S

Importance: Social media is widely used by various segments of society. Its role as a tool of communication by the Public Health Departments in the U.S. remains unknown. Objective: To determine the impact of the COVID-19 pandemic on social media following of the Public Health Departments of the 50 States of the U.S. Design, Setting, and Participants: Data were collected by visiting the Public Health Department web page for each social media platform. State-level demographics were collected from the U.S. Census Bureau. The Center for Disease Control and Prevention was utilized to collect information regarding the Governance of each State’s Public Health Department. Health rankings were collected from “America’s Health Rankings” 2019 Annual report from the United Health Foundation. The U.S. News and World Report Education Rankings were utilized to provide information regarding the public education of each State. Exposure: Data were pulled on 3 separate dates: first on March 5th (baseline and pre-national emergency declaration (NED) for COVID-19), March 18th (week following NED), and March 25th (2 weeks after NED). In addition, a variable identifying the total change across platforms was also created. All data were collected at the State level. Main Outcome: Overall, the social media following of the state Public Health Departments was very low. There was a significant increase in the public interest in following the Public Health Departments during the early phase of the COVID-19 pandemic. Results: With the declaration of National Emergency, there was a 150% increase in overall public following of the State Public Health Departments in the U.S. The increase was most noted in the Midwest and South regions of the U.S. The overall following in the pandemic “hotspots,” such as New York, California, and Florida, was significantly lower. Interesting correlations were noted between various demographic variables, health, and education ranking of the States and the social media following of their Health Departments. Conclusion and Relevance: Social media following of Public Health Departments across all States of the U.S. was very low. Though, the social media following significantly increased during the early course of the COVID-19 pandemic, but it still remains low. Significant opportunity exists for Public Health Departments to improve social media use to engage the public better.

Any DNA to Declare? Regulating Offshore Access to Genetic Enhancement

2002 ◽  
Vol 28 (2-3) ◽  
pp. 179-213
Author(s):  
Maxwell J. Mehlman ◽  
Kirsten M. Rabe
Keyword(s):  
Law School ◽  
Genetic Enhancement ◽  
Basketball Player ◽  
Professional Basketball ◽  
The Government ◽  
Travel Abroad ◽  
To Receive ◽  
The U.S

Imagine a world in which parents can genetically enhance their child's height so that he becomes a professional basketball player. Or imagine a law school student preparing for the bar who takes out an extra loan to genetically enhance his intelligence. What if going to your physician for a routine physical included the option of genetically enhancing any trait you desired? And what if such a practice was expensive and, therefore, only available to the privileged members of society? Is this desirable or should the U.S. government ban genetic enhancement? What if the government bans it and citizens travel abroad to receive genetic enhancement treatments? Can the U.S. government do anything to prevent access to illegal genetic enhancement abroad?

Guide to Africa Bibliography

2020 ◽  
Vol 2019 ◽  
pp. xxix-xxx
Keyword(s):  
Social Sciences ◽  
Natural Sciences ◽  
Development Studies ◽  
Environmental Sciences ◽  
African Government ◽  
The Social ◽  
To Receive ◽  
Cover Material

This bibliography records publications on Africa of interest to students of Africa, principally in the social and environmental sciences, development studies, humanities and arts. Some items from the medical, biological and natural sciences are included. The criterion used is potential relevance to a reader from a social sciences/arts background. The whole continent and associated islands are covered, with selective coverage of the diaspora. This volume aims to cover material published in 2019 together with items from earlier years not previously listed. The editor is always very glad to hear of any items omitted so that they may be included in future volumes. He would be particularly pleased to receive notification of new periodicals, print or online. African government publications and works of creative literature are not normally listed.

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