Week 7 Post 3

Week 7 Post 3- Informal Reflection

    This weeks chapter was about the Internal Revenue Service and their contribution to segregation. The chapter started out with reviewing the purpose of the IRS and how they are mandated to act against racism because of amendments added to the consitution after the civil war. The chapter then went on to explain how they haven't been doing that, and how by allowing certain institutions like churches and colleges that continue to segregate to have tax breaks they were not upholding the US constitution. Something interesting I found in this chapter was the amount of churches that were in charge of these neighborhood associations that were creating these racist covenants. The chapter also explained 'reverse-redlining' and subprime loans. There was a lot of banking and housing jargin around this part, so I didn't take notes on all of it, but I got a pretty good idea of how banks were scamming African Americans with loans with horrible interest. 

    One of my favorite parts of this book is how much I didn't realize I didn't know. I thought I was pretty educated on redlining and white flight, but I've been learning so much new information and little facts. One of my favorite of this chapter is when banks were exposed for calling certain bad loans 'ghetto loans' and saying that African Americans 'weren't savvy enough' to understand they were being underwritten. This blog will only continue through the tenth chapter for my main posts, but I think I'm going to make an additional research post with the final two chapters to wrap up everything I've learned.

Comments

  1. Ms. DunleyApril 27, 2023 at 9:45 AM

    Haver there been changes made at the IRS? What has been done to help loaning practices? Are there certain banks that do a better job now?

    ReplyDelete
    Replies
    1. Sofia ReamMay 15, 2023 at 3:23 PM

      Since banks were taken to court on these issues, civil rights laws have been applied to them making these loan practices illegal. Universities are also placed under strict scrutiny now, and efforts to diversify universities have been successful for many. Although some universities still hold discriminatory practices for members of the LGBT community, racial discrimination is now illegal for them.

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