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 6
... practice of redlining is a system wherein insurers carve out an area ; that is , put a red line around it or some other line around it , and refuse to serve in that area . They don't put agents there , they don't sell insurance there ...
... practice of redlining is a system wherein insurers carve out an area ; that is , put a red line around it or some other line around it , and refuse to serve in that area . They don't put agents there , they don't sell insurance there ...
Página 7
... practices . These regulations are now approaching their final stages , and they will penalize the discriminating ... practice that exists - let me 7.
... practices . These regulations are now approaching their final stages , and they will penalize the discriminating ... practice that exists - let me 7.
Página 8
... practice that exists - let me just do some background here , as I described the practices . In California in 1988 , the voters enacted Proposition 103 which obligates the insurers to insure all good drivers , yet many insurance ...
... practice that exists - let me just do some background here , as I described the practices . In California in 1988 , the voters enacted Proposition 103 which obligates the insurers to insure all good drivers , yet many insurance ...
Página 16
... practice of insurance companies . These problems appear to have resisted change for a quarter of a century . Insurance redlining is both blatant and subtle . Blatant forms are fairly straightforward , despite State antiredlining ...
... practice of insurance companies . These problems appear to have resisted change for a quarter of a century . Insurance redlining is both blatant and subtle . Blatant forms are fairly straightforward , despite State antiredlining ...
Página 18
... practices that may have some legitimate busi- ness purposes that are not intentionally discriminatory but have that effect nevertheless . Many companies will not provide coverage on homes valued at less than $ 25,000 or $ 30,000 . Given ...
... practices that may have some legitimate busi- ness purposes that are not intentionally discriminatory but have that effect nevertheless . Many companies will not provide coverage on homes valued at less than $ 25,000 or $ 30,000 . Given ...
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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.