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
... less blatant but are just as effective in weeding out the poor and minorities from the pool of insurable risks . Underwriting guide- lines , the bible of the industry , are models of double speak and in- nuendo . Fair on their face ...
... less blatant but are just as effective in weeding out the poor and minorities from the pool of insurable risks . Underwriting guide- lines , the bible of the industry , are models of double speak and in- nuendo . Fair on their face ...
Página 8
... less profit . These regulations propose that the allowable rate of return be varied . Now , as all of you know , we had some civil disturbances in Los Angeles last year . Shortly after those disturbances , we held hear- ings . The ...
... less profit . These regulations propose that the allowable rate of return be varied . Now , as all of you know , we had some civil disturbances in Los Angeles last year . Shortly after those disturbances , we held hear- ings . The ...
Página 15
... less than a certain value . " The policies that were offered and written in low - income and mi- nority areas were often of a substandard quality . Residents of these neighborhoods were more likely to be offered FAIR plans or 15.
... less than a certain value . " The policies that were offered and written in low - income and mi- nority areas were often of a substandard quality . Residents of these neighborhoods were more likely to be offered FAIR plans or 15.
Página 16
... less coverage at higher rates . FAIR plans have become a form of institutionalized redlining . The heart of the problem , however , lies in the conventional mar- ket , and with the practice of insurance companies . These problems appear ...
... less coverage at higher rates . FAIR plans have become a form of institutionalized redlining . The heart of the problem , however , lies in the conventional mar- ket , and with the practice of insurance companies . These problems appear ...
Página 18
... Many companies will not provide coverage on homes valued at less than $ 25,000 or $ 30,000 . Given the reali- ties of residential discrimination in the United States , we know that minorities are far more likely to be screened out 18.
... Many companies will not provide coverage on homes valued at less than $ 25,000 or $ 30,000 . Given the reali- ties of residential discrimination in the United States , we know that minorities are far more likely to be screened out 18.
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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.