Insurance Redlining: Fact Or Fiction? : Hearing Before the Subcommittee on Consumer Credit and Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One Hundred Third Congress, First Session, February 24, 1993, Volumen4United States, United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance U.S. Government Printing Office, 1994 - 197 páginas |
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Página 18
... we have found that racial composition of neighborhoods is more highly
associated with the number of insurance policies written in neighborhoods than
the number of owner - occupied housing units , the income of residents , the
poverty rate ...
... we have found that racial composition of neighborhoods is more highly
associated with the number of insurance policies written in neighborhoods than
the number of owner - occupied housing units , the income of residents , the
poverty rate ...
Página 19
We found in Milwaukee that in 1970 , 1980 , and 1990 , the distribution of agents
was clearly associated with the racial composition of the neighborhood and that
did not disappear when we controlled for income , occupation , condition of ...
We found in Milwaukee that in 1970 , 1980 , and 1990 , the distribution of agents
was clearly associated with the racial composition of the neighborhood and that
did not disappear when we controlled for income , occupation , condition of ...
Página 20
... 23 percent of the total private sector work force was nonwhite compared to less
than 17 percent among property casualty insurance companies . I am not aware
of any systematic research that shows a linkage between racial composition of ...
... 23 percent of the total private sector work force was nonwhite compared to less
than 17 percent among property casualty insurance companies . I am not aware
of any systematic research that shows a linkage between racial composition of ...
Página 23
Most of the complaints in which we find that discrimination is occurring , they are
based on the racial composition of the neighborhoods . Persons are being
denied coverage because of the racial composition of their neighborhood .
Persons ...
Most of the complaints in which we find that discrimination is occurring , they are
based on the racial composition of the neighborhoods . Persons are being
denied coverage because of the racial composition of their neighborhood .
Persons ...
Página 56
... individuals altogether without coverage ; lower quality and higher priced
policies than in high - income and white areas ; and large numbers of policies
written by unregulated , fly - by - night “ surplus line ” carriers . The racial
composition of a ...
... individuals altogether without coverage ; lower quality and higher priced
policies than in high - income and white areas ; and large numbers of policies
written by unregulated , fly - by - night “ surplus line ” carriers . The racial
composition of a ...
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ACORN action activity agency agents amendment application areas Association basis Chairman Chicago Civil Rights claims Commissioner communities composition conduct CONST constitute consumers cost Court coverage currently decisions decline denied Department discrimination discriminatory economic effect equal fact factors Fair Housing Fair Housing Act FAIR plan federal Federal Insurance Administration fire going Government hearing homes Illinois income individuals insurance companies insurance industry insurance redlining issue KENNEDY live losses major Michigan Milwaukee minority neighborhoods offered Office persons policies practices premiums problem profit prohibit property insurance protection question race racial rates reason recent refusal regulation representing residents response result REVIEW risk sell significant Squires subcommittee testing Thank tion underwriting United University urban violation voluntary write written York
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Página 128 - Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.
Página 115 - All citizens of the United States shall have the same right, in every State and Territory, as is enjoyed by white citizens thereof to inherit, purchase, lease, sell, hold, and convey real and personal property.
Página 135 - To make, print, or publish, or cause to be made, printed, or published any notice, statement, or advertisement, with respect to the sale or rental of a dwelling that indicates any preference, limitation, or discrimination based on race, color, religion, or national origin, or an intention to make any such preference, limitation, or discrimination.
Página 128 - States, or to injure such juror in his person or property on account of any verdict, presentment, or indictment lawfully assented to by him, or...
Página 122 - Act, and the Act of October 15, 1914, as amended, known as the Clayton Act, and the Act of September 26, 1914, known as the Federal Trade Commission Act, as amended, shall be applicable to the business of insurance to the extent that such business is not regulated by State law.
Página 120 - States; or to injure any citizen in person or property on account of such support or advocacy; in any case of conspiracy set forth in this section, if one or more persons engaged therein do, or cause to be done, any act in furtherance of the object of such conspiracy, whereby another is injured in his person or property or deprived of having and exercising any right or privilege of a...
Página 145 - Neither the State nor any subdivision or agency thereof shall deny, limit or abridge, directly or indirectly, the right of any person who is...
Página 135 - To refuse to sell or rent after the making of a bona fide offer, or to refuse to negotiate for the sale or rental of, or otherwise make unavailable or deny, a dwelling to any person because of race, color, religion, or national origin.
Página 119 - If two or more persons conspire to injure, oppress, threaten, or intimidate any citizen in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same, or if two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment...
Página 120 - ... of having and exercising any right or privilege of a citizen of the United States, the party so injured or deprived may have an action for the recovery of damages occasioned by such injury or deprivation, against any one or more of the conspirators.