Biden Executive Order Violates Civil Rights Laws on Housing

[BlindBoo]

So what exactly is unconstitutional about the EO again. Oh I get it. It is HUD's plan and the MAGANUTS believe that the president has dictatorial power and micromanages all aspects of the Federal Bureaucracy. Never mind.

 

[struth]

So what exactly is unconstitutional about the EO again. Oh I get it. It is HUD's plan and the MAGANUTS believe that the president has dictatorial power and micromanages all aspects of the Federal Bureaucracy. Never mind.

What’s unconstitutional about the govt giving loans out based on race? Haha wow

 

[BlindBoo]

What’s unconstitutional about the govt giving loans out based on race? Haha wow

First of all the EO doesn't loan money. Secondly,

"An investigation by The Markup has found that lenders in 2019 were more likely to deny home loans to people of color than to white people with similar financial characteristics — even when we controlled for newly available financial factors the mortgage industry for years has said would explain racial disparities in lending.

The secret bias hidden in mortgage-approval algorithms

The new four-bedroom house in Charlotte, North Carolina, was Crystal Marie and Eskias McDaniels’ personal American dream, the reason they had moved to this Southern town from pricey Los Angeles a few years ago.

apnews.com

Holding 17 different factors steady in a complex statistical analysis of more than 2 million conventional mortgage applications for home purchases, we found that lenders were 40% more likely to turn down Latino applicants for loans, 50% more likely to deny Asian/Pacific Islander applicants, and 70% more likely to deny Native American applicants than similar white applicants. Lenders were 80% more likely to reject Black applicants than similar white applicants. These are national rates.

In every case, the prospective borrowers of color looked almost exactly the same on paper as the white applicants, except for their race.

The industry had criticized previous similar analyses for not including financial factors they said would explain disparities in lending rates but were not public at the time: debts as a percentage of income, how much of the property’s assessed worth the person is asking to borrow, and the applicant’s credit score.

The first two are now public in the Home Mortgage Disclosure Act data. Including these financial data points in our analysis not only failed to eliminate racial disparities in loan denials, it highlighted new, devastating ones."

 

[The Duke]

So what exactly is unconstitutional about the EO again. Oh I get it. It is HUD's plan and the MAGANUTS believe that the president has dictatorial power and micromanages all aspects of the Federal Bureaucracy. Never mind.

It's against the Civil Rights Act, not the Constitution.

Title II

Civil Rights Act (1964)

EnlargeDownload Link Citation: Civil Rights Act of 1964; 7/2/1964; Enrolled Acts and Resolutions of Congress, 1789 - 2011; General Records of the United States Government, Record Group 11; National Archives Building, Washington, DC. View All Pages in the National Archives Catalog View Transcript...

www.archives.gov

 

[Viktor]

It's against the Civil Rights Act, not the Constitution.

Title II

Civil Rights Act (1964)

EnlargeDownload Link Citation: Civil Rights Act of 1964; 7/2/1964; Enrolled Acts and Resolutions of Congress, 1789 - 2011; General Records of the United States Government, Record Group 11; National Archives Building, Washington, DC. View All Pages in the National Archives Catalog View Transcript...

www.archives.gov

All civil rights laws are based on the 14th amendment to the constitution.

 

[struth]

First of all the EO doesn't loan money. Secondly,

"An investigation by The Markup has found that lenders in 2019 were more likely to deny home loans to people of color than to white people with similar financial characteristics — even when we controlled for newly available financial factors the mortgage industry for years has said would explain racial disparities in lending.

The secret bias hidden in mortgage-approval algorithms

The new four-bedroom house in Charlotte, North Carolina, was Crystal Marie and Eskias McDaniels’ personal American dream, the reason they had moved to this Southern town from pricey Los Angeles a few years ago.

apnews.com

Holding 17 different factors steady in a complex statistical analysis of more than 2 million conventional mortgage applications for home purchases, we found that lenders were 40% more likely to turn down Latino applicants for loans, 50% more likely to deny Asian/Pacific Islander applicants, and 70% more likely to deny Native American applicants than similar white applicants. Lenders were 80% more likely to reject Black applicants than similar white applicants. These are national rates.

In every case, the prospective borrowers of color looked almost exactly the same on paper as the white applicants, except for their race.

The industry had criticized previous similar analyses for not including financial factors they said would explain disparities in lending rates but were not public at the time: debts as a percentage of income, how much of the property’s assessed worth the person is asking to borrow, and the applicant’s credit score.

The first two are now public in the Home Mortgage Disclosure Act data. Including these financial data points in our analysis not only failed to eliminate racial disparities in loan denials, it highlighted new, devastating ones."

The EO directs HUD to loan money...the President runs HUD.

 

[WEATHER53]

Soon it will be a federal law that if you ever give any money to a white beggar then you are required to fund any and all minorities daily.

 

[Foxfyre]

That fool wants to give loans to people on the basis of their race or sexual preferences. House Rep is opposing it.

This administration has been violating the Constitution and the intent of existing law from Day 1. When they can make wokeness and sensitivity training and elimination of specific ideology from the military more important than battle readiness, is it surprising they would also corrupt HUD or any other government department or agency?

 

[BlindBoo]

The EO directs HUD to loan money...the President runs HUD.

No it doesn't. HUD insures the loans. Common Questions from First Time Homebuyers

When someone with a HUD insured mortgage can't meet the payments, the lender forecloses on the home; HUD pays the lender what is owed; and HUD takes ownership of the home. Then we sell it at market value as quickly as possible.

Currently it is run by Marcia Fudge who was confirm 66-34 by the senate. Like I said Biden doesn't micromanage any Agency.

 

[struth]

No it doesn't. HUD insures the loans. Common Questions from First Time Homebuyers

When someone with a HUD insured mortgage can't meet the payments, the lender forecloses on the home; HUD pays the lender what is owed; and HUD takes ownership of the home. Then we sell it at market value as quickly as possible.

Currently it is run by Marcia Fudge who was confirm 66-34 by the senate. Like I said Biden doesn't micromanage any Agency.

Then why is he issuing EO telling the agency what to do?

 

[dudmuck]

a man with dementia signs everything put in front of him

 

[elektra]

how petty and immature, how many years of persecution will it take to convince the american people, that the greatest president ever, is the worst evil in the world


The man that builds the greatest ice skating rink new york has ever seen we are to believe is going to build concentration camps? Well, if Trump built concentration camps, or wanted to, they would be already built and they would be the best concentration camps in the world. Perfect concentration camps.

 

[dudmuck]

how petty and immature, how many years of persecution will it take to convince the american people, that the greatest president ever, is the worst evil in the world


The man that builds the greatest ice skating rink new york has ever seen we are to believe is going to build concentration camps? Well, if Trump built concentration camps, or wanted to, they would be already built and they would be the best concentration camps in the world. Perfect concentration camps.

Trump is known for the central park five.

As far as Wollman rink... "Adrian Benepe, then the Parks Department's spokesperson and later its commissioner, stated the project was largely complete by the time Trump entered the picture, and that the city, not Trump, had paid the contractors for the actual reconstruction."

Thats the Trump that would build concentration camps for his "vermin".

 

[elektra]

Trump is known for the central park five.

As far as Wollman rink... "Adrian Benepe, then the Parks Department's spokesperson and later its commissioner, stated the project was largely complete by the time Trump entered the picture, and that the city, not Trump, had paid the contractors for the actual reconstruction."

Thats the Trump that would build concentration camps for his "vermin".

Yet, while president, Trump did nothing that you accuse Trump of, why is that? It must be because you are full of shit and very naive.

The most dangerous president in history, yet he did nothing while president to prove this danger????

 

[struth]

When did trump say that? Funny you all have to resort to making things up about trump to get people to support xiden

 

[dudmuck]

When did trump say that? Funny you all have to resort to making things up about trump to get people to support xiden

Detention Camps, “Vermin” Rivals, and a Government Purge: Trump Wants to Go Full Authoritarian​

 

[struth]

Detention Camps, “Vermin” Rivals, and a Government Purge: Trump Wants to Go Full Authoritarian​

Sorry, you must of gotten confused, I didn't ask for a Demafascsit propganda headline....I asked for a quote from Trump saying he wanted concentration camps, like you claimed when you posted that cartoon

actually can you even point out where he said "detention camps" in your link that your propgandist claimed?

“They’ll do anything, whether legally or illegally, to destroy America and to destroy the American dream,” Trump added.

He did say that, and it seems you've proven him correct about how you will lie

 

[ColonelAngus]

Dems do not believe in civil rights. They only believe in anything that will get them money and power.

Free Speech DOES NOT DO THAT.