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2020 ◽  
pp. 52-77
Author(s):  
Benjamin Wiggins
Keyword(s):  
The United States ◽  
People Of Color ◽  
Housing Crisis ◽  
Single Family ◽  
Mortgage Loans ◽  
Risk Rating ◽  
The Great Depression ◽  
Federal Housing ◽  
To Come ◽  
National Emergency

The economic collapse that set into motion the Great Depression of the 1930s was portended by mass mortgage defaults in the mid-1920s. To address this unprecedented housing crisis, New Deal legislation created the Federal Housing Administration (FHA) to insure mortgage loans. Without predecessors or peers and faced with a national emergency, the FHA turned to risk-rating experts in real estate valuation to craft underwriting policies that would shape the geography of the country and cement racial segregation in the United States for generations to come. Chapter 3 details how FHA officials utilized risk-rating standards that disqualified people of color from obtaining federally subsidized mortgage insurance. This institutional discrimination had the deleterious effect of essentially precluding people of color from obtaining middle-class America’s most important wealth-generating asset: the single-family home. Though others have written about the agency’s policies before, my analysis is notably the first to locate each version of the FHA’s underwriting manual, to take stock of each facet of race-based risk rating until the conclusion of the practice in 1947, and to analyze the agency’s effect on the lending industry thereafter.

scholarly journals RAISING THE MINIMUM WAGE OF THE US WORKFORCE

2021 ◽  
pp. 41-43
Author(s):  
Kshama Mumbai
Keyword(s):  
Minimum Wage ◽  
The United States ◽  
Purchasing Power ◽  
Legislative Action ◽  
The Great Depression ◽  
Federal Minimum Wage ◽  
Fair Labor Standards Act ◽  
To Come ◽  
And Gender ◽  
Wage Floor

“The Lawrence Textile Strike, also known as the Bread and Roses Strike”, prompted the first minimum wage law in the United States in 1912. Various states followed suit over the next two decades, and in 1938, at the height of the Great Depression, Congress passed the Fair Labor Standards Act, which created a federal minimum wage (FLSA).The basic incentive behind the introduction of the Act was to reduce income inequality.A rise in minimum wage acts as a form of relocation of wealth from higher-income people to lower-income people. In principle, Congress amends the FLSA on a regular basis to raise the federal minimum wage to levels necessary for even the lowest-paying workforces in the economy.It also aims to help low-wage workers benefit from overall economywide advances in living standards. However, this has historically not always been the case. In 1968, The Poor People’s 1 Campaign started because of not raising the minimum wage to sufficient levels . The explicit purpose of the federal minimum wage is to help increase consumer purchasing power which stimulates the economy and to keep America's workforces out of poverty.However,the law failed to include the automatic cost of living adjustments and led to inflation eroding the real value of the minimum wage over time. There is a dire need for legislative action to raise the nation’s wage floor, more so than ever during the COVID-19 pandemic.Unless consumer's purchasing power is increased,it will be difficult to come out of this recession.Further,the minimum wage is a direct concern for poverty levels and gender / racial inequality.This paper aims to analyze previous work on the issue and provide further recommendations for the same.

The Expatriation Decisions: A Study in Constitutional Improvisation and the Uses of History

1964 ◽  
Vol 58 (1) ◽  
pp. 72-80
Author(s):  
John P. Roche
Keyword(s):  
United States ◽  
Supreme Court ◽  
The United States ◽  
Public Law ◽  
Historical Record ◽  
Logic Of Action ◽  
The Supreme Court ◽  
To Come ◽  
Similar Area ◽  
National Emergency

On February 18, 1963, in the cases of Francisco Mendoza-Martinez and Joseph Henry Cort, the Supreme Court struck down as unconstitutional a provision of the nationality code which said that “departing from or remaining outside of the jurisdiction of the United States” during wartime or a period of national emergency “for the purpose of evading or avoiding training and service in the land or naval forces of the United States” created in effect an irrebuttable presumption of a voluntary decision to expatriate, i.e., to extinguish one's American nationality. The reader who winces at this convoluted formulation should brace himself: worse is yet to come. Indeed, it would be hard to discover an area of American public law in which the premises and logic of action have been so absurdly attenuated, or in which the historical record has been so flagrantly distorted. (Unless it is in the similar area of denaturalization, which is excluded from discussion here.)

Through the Eyes of a Whistle-Blower: How Sherry Hunt Spoke Up About Citibank's Mortgage Fraud

2017 ◽  
pp. 1-18
Author(s):  
Adam Waytz ◽  
Vasilia Kilibarda
Keyword(s):  
United States ◽  
Vice President ◽  
The United States ◽  
List Type ◽  
Mortgage Loans ◽  
Un Global Compact ◽  
Whistle Blowing ◽  
Sarbanes Oxley ◽  
Fannie Mae ◽  
Federal Housing

In 2011, Sherry Hunt was a vice president and chief underwriter at CitiMortgage headquarters in the United States. For years she had been witnessing fraud, as the company bought billions of dollars in mortgage loans from external lenders that did not meet Citi credit policy and sold them to government-sponsored enterprises (GSEs). This resulted in Citi selling to GSEs such as Fannie Mae and Freddie Mac pools of loans that were considerably defective and thus likely to default. Citi had also approved hundreds of millions of dollars' worth of defective mortgage files for U.S. Federal Housing Administration insurance. After reporting the mortgage defects in regular reports, notifying and working closely with her direct supervisor (who was subsequently asked to leave Citi after alerting the chairman of the board to these issues) to stop the purchase of defective loans, leaving anonymous tips on the FBI's and the Department of Housing and Urban Development's websites, and receiving threats from two of her superiors who demanded that she change the results of her quality control unit's reports, the shy and conflict-avoidant Hunt had to decide who she should tell about the fraud, and how.The case gives students the opportunity to recommend how Hunt should proceed based on their analysis of the stakeholders involved. To aid instructors, the case includes Kellogg-produced videos of Hunt—the only on-camera interviews she has ever given—explaining what happened after she reported the fraud to Citi HR and, later, the U.S. Department of Justice. Within the case, students are also briefly exposed to legislation and bodies pertinent to whistle-blowing in the United States, including the Dodd-Frank Act, the Sarbanes-Oxley Act, and the SEC Office of the Whistleblower.This case won the 2014 competition for Outstanding Case on Anti-Corruption, supported by the Principles for Responsible Management Education (PRME), an initiative of the UN Global Compact. Analyze stakeholders' motivations to prepare counter-arguments to the resistance one might encounter when reporting unethical behavior Write a script for who to tell, how, and why Discuss how incentive structures, management, and culture play roles in promoting or hindering ethical behavior in organizations Identify behaviors that help a whistle-blower be effective Gain experience resolving ethical dilemmas in which two values may conflict, such as professional duty and personal ethics

The Visibility of Commuting Costs and Residential Location

1970 ◽  
Vol 2 (1) ◽  
pp. 89-94 ◽  
Author(s):  
A. R. Winger
Keyword(s):  
United States ◽  
Empirical Investigation ◽  
Residential Location ◽  
The United States ◽  
Location Decision ◽  
Single Family ◽  
Federal Housing Administration ◽  
Federal Housing

The purpose of this paper is to show that the failure to perceive the full burden of commuting costs can bias the residential location decision in favor of distant locations. Initially, the argument is developed. Then, Federal Housing Administration data on the site expenditures of families purchasing single-family dwellings in the United States are used as a basis for an empirical investigation, the results of which are shown to be consistent with the argument.

Looking Out for Something Better to Come: Interview with Director Hanna Polak

2016 ◽  
Vol 69 (4) ◽  
pp. 65-71
Author(s):  
Masha Shpolberg
Keyword(s):  
United States ◽  
The United States ◽  
Hair Color ◽  
Yale University ◽  
Garbage Dump ◽  
To Come

Hanna Polak was in the United States in December 2015 for a screening of Something Better to Come (2014) and The Children of Leningradsky (2004) at Yale University, where the interview was conducted. Polak's devastating documentary Something Better to Come swept through the festival circuit with force, winning a Special Jury Award at IDFA along with awards at over twenty other festivals. Shot illegally on a garbage dump just outside Moscow over the course of fourteen years, the film follows a girl named Yula from age 10 to 24, as she grows up doing the things that teenagers everywhere do—experimenting with her hair color and makeup, with cigarettes and alcohol—all while living in the most difficult of conditions.

The Racial and Economic Context of Trump Support: Evidence for Threat, Identity, and Contact Effects in the 2016 Presidential Election

2018 ◽  
Author(s):  
Eric Knowles ◽  
Linda Tropp
Keyword(s):  
The United States ◽  
Local Economy ◽  
Racial Identification ◽  
White Americans ◽  
Social Scientists ◽  
Neighborhood Diversity ◽  
Nationally Representative ◽  
To Come ◽  
Neighborhood Level ◽  
Support Evidence

Donald Trump's ascent to the Presidency of the United States defied the expectations of many social scientists, pundits, and laypeople. To date, most efforts to understand Trump's rise have focused on personality and demographic characteristics of White Americans. In contrast, the present work leverages a nationally representative sample of Whites to examine how contextual factors may have shaped support for Trump during the 2016 presidential primaries. Results reveal that neighborhood-level exposure to racial and ethnic minorities is associated with greater group threat and racial identification among Whites, as well as greater intentions to vote for Trump in the general election. At the same time, however, neighborhood diversity afforded Whites with opportunities for intergroup contact, which is associated with lower levels of threat, White identification, and Trump support. Further analyses suggest that a healthy local economy mutes threat effects in diverse contexts, allowing contact processes to come to the fore.

Migration for Mission

2019 ◽  
Author(s):  
Mary Johnson ◽  
Patricia Wittberg ◽  
Mary Gautier ◽  
Thu Do
Keyword(s):  
United States ◽  
Qualitative Data ◽  
The United States ◽  
National Study ◽  
Catholic Sisters ◽  
Long Line ◽  
Catholic Organizations ◽  
To Come ◽  
Washington University ◽  
The Trinity

This book presents quantitative and qualitative data from the first-ever national study of international Catholic sisters in the United States, the Trinity Washington University/CARA Study. International sisters are defined as those born outside the United States and currently ministering, studying, or in residence in this country. The book begins with a chapter that locates current international sisters in the long line of sisters who have come to this country since the eighteenth century. The book identifies the sisters of today, describes the pathways they used to come here, their levels of satisfaction, their concerns and contributions, the issue of immigration status, the challenges of sister students, and the role and mission of Catholic organizations assisting immigrants in general, and international sisters in particular. The book ends with implications of the research and recommendations regarding resources, ministries, and structures of support for international sisters.

scholarly journals The History of Adversity and Collective Strength of Individuals of Mexican Ancestry in the United States: A Scoping Literature Review and Emerging Conceptual Framework

Genealogy ◽  
2021 ◽  
Vol 5 (2) ◽  
pp. 32
Author(s):  
Araceli Orozco-Figueroa
Keyword(s):  
United States ◽  
Scoping Review ◽  
Historical Trauma ◽  
The United States ◽  
People Of Color ◽  
Trauma Narratives ◽  
Treatment And Prevention ◽  
Scoping Literature Review ◽  
History Of ◽  
Baseline Knowledge

Recently, Black, Indigenous, and other People of Color (BIPOC) have encountered an escalation in adverse social conditions and trauma events in the United States. For individuals of Mexican ancestry in the United States (IMA-US), these recent events represent the latest chapter in their history of adversity: a history that can help us understand their social and health disparities. This paper utilized a scoping review to provide a historical and interdisciplinary perspective on discussions of mental health and substance use disorders relevant to IMA-US. The scoping review process yielded 16 peer reviewed sources from various disciplines, published from 1998 through 2018. Major themes included historically traumatic events, inter-generational responses to historical trauma, and vehicles of transmission of trauma narratives. Recommendations for healing from historical and contemporary oppression are discussed. This review expands the clinical baseline knowledge relevant to the diagnosis, treatment, and prevention of contemporary traumatic exposures for IMA-US.

scholarly journals PM2.5 polluters disproportionately and systemically affect people of color in the United States

2021 ◽  
Vol 7 (18) ◽  
pp. eabf4491
Author(s):  
Christopher W. Tessum ◽  
David A. Paolella ◽  
Sarah E. Chambliss ◽  
Joshua S. Apte ◽  
Jason D. Hill ◽  
...  
Keyword(s):  
United States ◽  
Rural Areas ◽  
The United States ◽  
People Of Color ◽  
Emission Sources ◽  
Particulate Air Pollution ◽  
Fine Particulate ◽  
Exposure Levels ◽  
Urban And Rural Areas ◽  
Racial Ethnic

Racial-ethnic minorities in the United States are exposed to disproportionately high levels of ambient fine particulate air pollution (PM2.5), the largest environmental cause of human mortality. However, it is unknown which emission sources drive this disparity and whether differences exist by emission sector, geography, or demographics. Quantifying the PM2.5 exposure caused by each emitter type, we show that nearly all major emission categories—consistently across states, urban and rural areas, income levels, and exposure levels—contribute to the systemic PM2.5 exposure disparity experienced by people of color. We identify the most inequitable emission source types by state and city, thereby highlighting potential opportunities for addressing this persistent environmental inequity.

Crystallex Int'l Corp. v. Bolivarian Rep. Venez. (3D Cir.)

2021 ◽  
pp. 1-21
Author(s):  
Kevin D. Benish
Keyword(s):  
United States Supreme Court ◽  
The United States ◽  
United States Supreme ◽  
Decision To Leave ◽  
Court Of Appeals ◽  
The Third ◽  
To Come ◽  
Alter Ego ◽  
Oil Company ◽  
The U.S

On May 18, 2020, the United States Supreme Court denied a request by the Bolivarian Republic of Venezuela and its state-owned oil company, Petróleos de Venezuela, S.A. (PDVSA), to review the merits of Crystallex Int'l Corp. v. Bolivarian Republic of Venezuela, a decision by the U.S. Court of Appeals for the Third Circuit. In Crystallex, the Third Circuit affirmed a trial court's determination that PDVSA is the “alter ego” of Venezuela itself, thus permitting Crystallex to enforce a $1.4 billion judgment against Venezuela by attaching property held in PDVSA's name. Given the Supreme Court's decision to leave the Third Circuit's opinion undisturbed, Crystallex is a significant decision that may affect parties involved in transnational litigation for years to come—especially those pursuing or defending against U.S. enforcement proceedings involving the property of foreign states.

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