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 2
... discriminate that may be less blatant but are just as effective in weeding out the poor and minorities from the pool of ... discriminatory in effect . The subcommittee has obtained portions of several of these usu- ally confidential ...
... discriminate that may be less blatant but are just as effective in weeding out the poor and minorities from the pool of ... discriminatory in effect . The subcommittee has obtained portions of several of these usu- ally confidential ...
Página 7
... discriminatory practices . These regulations are now approaching their final stages , and they will penalize the discriminating insurer where it hurts , in their wallet , in the bottom line . This affects their profits , and the insurer ...
... discriminatory practices . These regulations are now approaching their final stages , and they will penalize the discriminating insurer where it hurts , in their wallet , in the bottom line . This affects their profits , and the insurer ...
Página 12
... discriminate because of race or any- thing else , because it is not a matter of bigotry , it is a matter of profitability . They have found that in certain areas , they are not as profitable writing automobile insurance as they are in ...
... discriminate because of race or any- thing else , because it is not a matter of bigotry , it is a matter of profitability . They have found that in certain areas , they are not as profitable writing automobile insurance as they are in ...
Página 14
... discriminate , it is a matter of profitability . They want to make a profit . They are in business to make a profit . It just so happens that in black and Hispanic areas , they are losing money . That is accidental . But it just happens ...
... discriminate , it is a matter of profitability . They want to make a profit . They are in business to make a profit . It just so happens that in black and Hispanic areas , they are losing money . That is accidental . But it just happens ...
Página 17
... commu- nities without insurance are communities without hope . That state- ment could be just as easily written today as 25 years ago . Neighborhoods containing large numbers of minority residents are discriminated against 17.
... commu- nities without insurance are communities without hope . That state- ment could be just as easily written today as 25 years ago . Neighborhoods containing large numbers of minority residents are discriminated against 17.
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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.