FINAL REVIEW - *What is institutional discrimination?...

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**What is institutional discrimination?  Provide 3 instances of institutional discrimination   in housing .  Institutional discrimination in housing has resulted in high levels of   residential segregation.   What are the consequences of this form of segregation?  ** INSTITUTIONAL DISCRIMINATION—when organizations have systematic policies and  procedures that disproportionally benefit one group. This is done whether or not the  discrimination is intentional. [HOUSING, EMPLOYMENT, CRIMINAL JUSTICE SYSTEM, ENVIRONMENT, EDUCATION] a. Housing —housing policies along a number of mechanisms that lead to races being treated  differently.  i. Federal Housing policies     —federal mortgage loan funding agencies “Freddie Mae” and  “Freddie Mac;” quasi-governmental organization. They buy home loans from banks and  credit unions at reduced rates. Their mortgage and interest rates are very low, which is  good for the buyer. It is harder to get a loan if you are Black or Hispanic; not so if you are  White or Asian. Their policies  disproportionally  affect Whites/Asians more because those  collateral, Blacks are usually more unemployed, etc. ii. Lending Practices “Redlining”     —lending practices that take place at the levels of banks.  They will  not lend money  or  lend money at a higher rate  to people who live in certain  areas. The disproportionally poor, Hispanic/African Americans are the ones who get the  “redlines,” they wont be lent to. Has a RACIST OUTCOME. In these neighborhoods,  people usually default on loans, less collateral, etc. People in these neighborhoods  usually have higher insurance rates because of the rates of crime. Pizza companies  “redline” too because they don’t want to put their drivers at risk!!! iii. Real Estate Agents     —some real estate agents steer people to certain neighborhoods  based on their race. Real estate agents take people to these neighborhoods  unless  they  say they want to see property X, Y, Z. It is unintentional; they are trying to match people  buying housing with what they believe the buyers want. Leads to differences in housing. iv. Restrictive Covenant     —in the house deed that says the house CANNOT be transferred to  someone of a certain race. African-Americans and even Jews were barred from buying  the house.   v. Vigilant Neighborhood Associations     —deed restrictions; not many people said they were  harassed by the associations, but the rules for the neighborhood must be followed or they  will MAKE YOUR LIFE HELL!! Deed restrictions are not evenly enforced. If you’re the 
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This note was uploaded on 11/03/2008 for the course SOC 354K taught by Professor Musick during the Spring '08 term at University of Texas at Austin.

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FINAL REVIEW - *What is institutional discrimination?...

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