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, Volumen4U.S. Government Printing Office, 1994 - 197 páginas Distributed to some depository libraries in microfiche. |
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Página 3
... activity , it has two options . It can mandate the activity and punish those who fail to comply , or it can provide incentives to those who engage in that activity . The better the incentive , the more the activity . This is the ...
... activity , it has two options . It can mandate the activity and punish those who fail to comply , or it can provide incentives to those who engage in that activity . The better the incentive , the more the activity . This is the ...
Página 8
... activities . Unlike banks , insurance companies do not have any requirement to invest in our communities , and they don't . There is very , very little evidence that the insurance industry in- vests in any meaningful way in the inner ...
... activities . Unlike banks , insurance companies do not have any requirement to invest in our communities , and they don't . There is very , very little evidence that the insurance industry in- vests in any meaningful way in the inner ...
Página 11
... activity . California has very stringent laws , and now I hope very active enforcement of those laws . So I don't think there is a need in that area . There are concerns about the guarantee funds . These are the insurance programs that ...
... activity . California has very stringent laws , and now I hope very active enforcement of those laws . So I don't think there is a need in that area . There are concerns about the guarantee funds . These are the insurance programs that ...
Página 13
... activity . Mr. CARBAJAL . For some reason the insurance companies com- pletely abandon these so - called ghetto areas . They don't want to have any part of it . So they don't care what they do . The insurance department , in order to ...
... activity . Mr. CARBAJAL . For some reason the insurance companies com- pletely abandon these so - called ghetto areas . They don't want to have any part of it . So they don't care what they do . The insurance department , in order to ...
Página 20
... activities . That investment needs to be brought in as part of the debate . Employment practices need to be brought ... activity , but from what I am told by insur- ance agents I have to believe that more minority agents would mean more ...
... activities . That investment needs to be brought in as part of the debate . Employment practices need to be brought ... activity , but from what I am told by insur- ance agents I have to believe that more minority agents would mean more ...
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Términos y frases comunes
ACORN action agency location ance application Association business of insurance California callers CARBAJAL Chairman KENNEDY Chicago Civil Rights Commission on Civil conduct CONST consumers Court coverage denied DEPAUL LAW REVIEW DEWOLFE disinvestment due process equal protection factors Fair Housing Act FAIR plan Federal Insurance Administration fire fourteenth amendment Garamendi geographic Hispanic homeowners insurance homes Illinois income individuals inner city insurance agents insurance availability Insurance Commissioners insurance companies insurance industry insurance redlining issue losses low-income McCarran-Ferguson Act minority communities minority composition minority neighborhoods mortgage NAIC National nonwhite Office percent persons policies premiums problem profit prohibit property insurance race racial composition racial discrimination rates refusal regulation reinvestment residents RESIDUAL MARKETS risk Sherman Act Squires subcommittee suburban supra note surance testers theft tion U.S. Commission underwriting underwriting activity University of Wisconsin-Milwaukee urban communities violation voluntary market activity Wisconsin York zip code
Pasajes populares
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 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 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 - ... deprived 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.
Página 122 - No Act of Congress shall be construed to invalidate, impair, or supersede any law enacted by any State for the purpose of regulating the business of insurance...
Página 145 - Neither the State nor any subdivision or agency thereof shall deny, limit or abridge, directly or indirectly, the right of any person...
Página 127 - States, to make and enforce contracts, to sue, be parties, and give evidence, to inherit, purchase, lease, sell hold and convey real and personal property and to full and equal benefit of all laws and proceedings for the security of persons and property, as is enjoyed by white citizens and shall be subject to like punishment, pains and penalties, and to none other, any law, statute, ordinance, regulation, or custom to the contrary notwithstanding.
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.