New Trump Administration Policy Would Make Racism OK as Long as You Don't Mean It

[Toddsterpatriot]

Being stated clearly doesn't make it right.

Wrong on all three counts.

Your saying it's wrong doesn't make it so.

Your saying its right doesn't make it right either.

Me showing the policies that make it so does.

The policy you are bitching about won't make poll taxes come back, won't allow de jure segregation, and will not do anything to make banks go back to the bad old days.

There are already laws that cover those items.

Laws that whites don't follow.

That's why blacks have lower mortgage default rates than whites.

Wait, what? LOL!

 

[IM2]

Your saying it's wrong doesn't make it so.

Your saying its right doesn't make it right either.

Me showing the policies that make it so does.

The policy you are bitching about won't make poll taxes come back, won't allow de jure segregation, and will not do anything to make banks go back to the bad old days.

There are already laws that cover those items.

Laws that whites don't follow.

That's why blacks have lower mortgage default rates than whites.

Wait, what? LOL!

Black Mortgage Applicants Denied at More Than Twice the Rate of Whites - Zillow Research

 

[martybegan]

Your saying its right doesn't make it right either.

Me showing the policies that make it so does.

The policy you are bitching about won't make poll taxes come back, won't allow de jure segregation, and will not do anything to make banks go back to the bad old days.

There are already laws that cover those items.

Laws that whites don't follow.

That's why blacks have lower mortgage default rates than whites.

Wait, what? LOL!

Black Mortgage Applicants Denied at More Than Twice the Rate of Whites - Zillow Research

From your link:

Important note: There’s a lot that goes into getting approved for a loan. Rather than overt racism or discrimination leading to more denials, today’s outcomes can be explained – at least in part – by differences in income, debt levels, credit scores and savings between racial groups.

 

[Toddsterpatriot]

Your saying its right doesn't make it right either.

Me showing the policies that make it so does.

The policy you are bitching about won't make poll taxes come back, won't allow de jure segregation, and will not do anything to make banks go back to the bad old days.

There are already laws that cover those items.

Laws that whites don't follow.

That's why blacks have lower mortgage default rates than whites.

Wait, what? LOL!

Black Mortgage Applicants Denied at More Than Twice the Rate of Whites - Zillow Research

Ummmm…That's why blacks have lower mortgage default rates than whites.

 

[IM2]

Me showing the policies that make it so does.

The policy you are bitching about won't make poll taxes come back, won't allow de jure segregation, and will not do anything to make banks go back to the bad old days.

There are already laws that cover those items.

Laws that whites don't follow.

That's why blacks have lower mortgage default rates than whites.

Wait, what? LOL!

Black Mortgage Applicants Denied at More Than Twice the Rate of Whites - Zillow Research

Ummmm…That's why blacks have lower mortgage default rates than whites.

Since blacks are denied mortgages at double the rate of whites your attempt to argue is stupid. If blacks have lower mortgage default rates than whites we should not be denied at more than twice the rate of whites.

 

[IM2]

Me showing the policies that make it so does.

The policy you are bitching about won't make poll taxes come back, won't allow de jure segregation, and will not do anything to make banks go back to the bad old days.

There are already laws that cover those items.

Laws that whites don't follow.

That's why blacks have lower mortgage default rates than whites.

Wait, what? LOL!

Black Mortgage Applicants Denied at More Than Twice the Rate of Whites - Zillow Research

From your link:

Important note: There’s a lot that goes into getting approved for a loan. Rather than overt racism or discrimination leading to more denials, today’s outcomes can be explained – at least in part – by differences in income, debt levels, credit scores and savings between racial groups.

I know what I posted.

Overall denial rates for conventional mortgages have fallen for almost a decade, a sign of progress that nevertheless conceals a stark divide in the housing market: Black applicants for a conventional mortgage are denied at more than twice the rate as white applicants.

And that divide has widened somewhat over the past two decades.

Nationwide, the share of applicants denied for a conventional mortgage loan fell to 9.8 percent in 2016, according to a Zillow analysis of loan data from the federal Home Mortgage Disclosure Act (HMDA). Since peaking in 2007 on the eve of the housing bust, the overall denial rate has fallen in each of the past nine years compared to the year prior and currently stands at its lowest level since at least 1994.[1]

But despite that progress, white and Asian borrowers remain much less likely to be denied a conventional loan than their black or Hispanic peers. In 2016, 20.9 percent of black borrowers and 15.5 percent of Hispanic borrowers were turned down for a conventional loan; at the same time, just 8.1 percent of white and 10.4 percent of Asian applicants were denied a conventional loan.

Those looking for a silver lining won’t have to go far to find one: Conventional loan denial rates for black and Hispanic borrowers have fallen much farther over the past decade than for whites and Asians. In 2007, 34.3 percent of black applicants and 30 percent of Hispanic applicants were denied for mortgages. White and Asian borrowers were denied 12.7 percent and 16.2 percent of the time in 2007, respectively. The percentage point gap between black and white borrowers in 2007 was 21.6 points. Today, that gap is just 12.8 points wide.

But a deeper look reveals that silver lining may have some tarnish on it. That black denial rates are coming down is unalloyed good news, but the fact remains they have much farther to fall than white denial rates. And while blacks in the mid-1990s were roughly twice as likely to be denied as whites, that gap has since widened, not narrowed: In 2016, blacks were 2.6 times as likely to be denied a conventional mortgage as whites.

The picture is similar for loans backed by the Federal Housing Administration (FHA), which tends to focus its lending programs on borrowers with lower income and/or lower credit scores – FHA denial rates overall are down, but remain much higher for borrowers of color than for white borrowers. In 2016, 18.6 percent, 15.3 percent and 14.8 percent of black, Asian and Hispanic borrowers, respectively, were denied for an FHA-backed loan. At the same time, just 11 percent of white FHA applicants were denied.

So you chose to miss all that but you can't because it is the facts.

"today’s outcomes can be explained – at least in part"

 

[Toddsterpatriot]

The policy you are bitching about won't make poll taxes come back, won't allow de jure segregation, and will not do anything to make banks go back to the bad old days.

There are already laws that cover those items.

Laws that whites don't follow.

That's why blacks have lower mortgage default rates than whites.

Wait, what? LOL!

Black Mortgage Applicants Denied at More Than Twice the Rate of Whites - Zillow Research

Ummmm…That's why blacks have lower mortgage default rates than whites.

Since blacks are denied mortgages at double the rate of whites your attempt to argue is stupid. If blacks have lower mortgage default rates than whites we should not be denied at more than twice the rate of whites.

If blacks have lower mortgage default rates than whites we should not be denied at more than twice the rate of whites.

If blacks did have lower default rates, you'd be correct.

Blacks have higher default rates.

 

[martybegan]

The policy you are bitching about won't make poll taxes come back, won't allow de jure segregation, and will not do anything to make banks go back to the bad old days.

There are already laws that cover those items.

Laws that whites don't follow.

That's why blacks have lower mortgage default rates than whites.

Wait, what? LOL!

Black Mortgage Applicants Denied at More Than Twice the Rate of Whites - Zillow Research

From your link:

Important note: There’s a lot that goes into getting approved for a loan. Rather than overt racism or discrimination leading to more denials, today’s outcomes can be explained – at least in part – by differences in income, debt levels, credit scores and savings between racial groups.

I know what I posted.

Overall denial rates for conventional mortgages have fallen for almost a decade, a sign of progress that nevertheless conceals a stark divide in the housing market: Black applicants for a conventional mortgage are denied at more than twice the rate as white applicants.

And that divide has widened somewhat over the past two decades.

Nationwide, the share of applicants denied for a conventional mortgage loan fell to 9.8 percent in 2016, according to a Zillow analysis of loan data from the federal Home Mortgage Disclosure Act (HMDA). Since peaking in 2007 on the eve of the housing bust, the overall denial rate has fallen in each of the past nine years compared to the year prior and currently stands at its lowest level since at least 1994.[1]

But despite that progress, white and Asian borrowers remain much less likely to be denied a conventional loan than their black or Hispanic peers. In 2016, 20.9 percent of black borrowers and 15.5 percent of Hispanic borrowers were turned down for a conventional loan; at the same time, just 8.1 percent of white and 10.4 percent of Asian applicants were denied a conventional loan.

Those looking for a silver lining won’t have to go far to find one: Conventional loan denial rates for black and Hispanic borrowers have fallen much farther over the past decade than for whites and Asians. In 2007, 34.3 percent of black applicants and 30 percent of Hispanic applicants were denied for mortgages. White and Asian borrowers were denied 12.7 percent and 16.2 percent of the time in 2007, respectively. The percentage point gap between black and white borrowers in 2007 was 21.6 points. Today, that gap is just 12.8 points wide.

But a deeper look reveals that silver lining may have some tarnish on it. That black denial rates are coming down is unalloyed good news, but the fact remains they have much farther to fall than white denial rates. And while blacks in the mid-1990s were roughly twice as likely to be denied as whites, that gap has since widened, not narrowed: In 2016, blacks were 2.6 times as likely to be denied a conventional mortgage as whites.

The picture is similar for loans backed by the Federal Housing Administration (FHA), which tends to focus its lending programs on borrowers with lower income and/or lower credit scores – FHA denial rates overall are down, but remain much higher for borrowers of color than for white borrowers. In 2016, 18.6 percent, 15.3 percent and 14.8 percent of black, Asian and Hispanic borrowers, respectively, were denied for an FHA-backed loan. At the same time, just 11 percent of white FHA applicants were denied.

So you chose to miss all that but you can't because it is the facts.

"today’s outcomes can be explained – at least in part"

The article just gives the numbers, you provide "it must be racism" as a reason due to your own biases.

 

[Ghost of a Rider]

I didn't even read the article and I know that it can't be any worse than the current policy we have of "It's okay to accuse someone of racism as long as you don't have evidence."

 

[Bruce_T_Laney]

Trumps racism is shown once again.

New Trump Administration Policy Would Make Racism OK as Long as You Don't Mean It

Michael Harriot
January 9, 2019

While America is engaged in a heated debate about the border wall and the government shutdown, at least three cabinet-level departments inside the Trump administration have been quietly investigating how they could roll back a particularly important legal precedent that prevents discrimination in housing, employment, policing and even education.

The Washington Post reports that the Department of Justice recently issued an internal memo directing top civil rights officials inside the Department of Justice to examine how disparate impact regulations can be changed or removed. Similar efforts are also underway at the Department of Education as well as the Department of Housing and Urban Development.

The Washington Post writes that conservatives have wanted to erode the principal for years, writing:

Past Republican administrations have done little to erode the concept’s application, partly out of concerns that the Supreme Court might disagree, or that such changes would be unpopular and viewed as racist...

But conservatives have long argued that proving discrimination should require proof that someone intended to treat people differently. And they say that if people are being judged by numbers, they may feel pressure to make decisions based on racial quotas.

That’s right. Donald Trump wants to make racism okay unless someone can prove the accused party intended to discriminate against them. To be fair, if this concept was in place when Trump settled a federal housing discrimination lawsuit, he still would have lost after a doorman who worked in Trump’s building revealed that he was told: “If a black person came to 2650 Ocean Parkway and inquired about an apartment for rent, and he, that is [redacted] was not there at the time, that I should tell him that the rent was twice as much as it really was, in order that he could not afford the apartment.”

Under the Trump theory of jurisprudence, poll taxes, all-white schools and redlining — the federal policy that basically banned banks from issuing government-backed home loans in black neighborhoods — would still be legal as long as the racists didn’t broadcast their intent.

New Trump Administration Policy Would Make Racism OK as Long as You Don't Mean It

You should have to prove if someone denied you because of your race, simple as that.

 

[NewsVine_Mariyam]

ou should have to prove if someone denied you because of your race, simple as that.

How would you prove that I hate you because of your race and was working behind your back to wreck your life?

 

[Bruce_T_Laney]

ou should have to prove if someone denied you because of your race, simple as that.

How would you prove that I hate you because of your race and was working behind your back to wreck your life?

You can not but according to the OP every white person is racist and should be consider an enemy of the state.

You think I am kidding but I am not.