Joseph Adebisi

What is predatory mortgage lending? How did years of predatory lending affect Black families during the 2008 financial crisis? Predatory mortgage lending is the imposition of unfair loan terms that diminish the borrower’s ability to repay. Predatory lending practices that were designed to exploit low-income Black families such as subprime mortgage loans led many of these families to default and lose their homes during the 2008 crisis. Read more to learn more about how predatory mortgage lending ensured African Americans were disproportionately affected by the 2008 crisis.

What are the causes of residential segregation? What are the effects of residential segregation? Discriminatory public housing policy, housing unaffordability, and the failures of government agencies are the primary causes of residential segregation. Residential segregation has led to isolated black neighborhoods that have lower housing quality, high rates of poverty, and less access to good education. Read on to learn more about the causes of residential segregation.

What is the difference between de facto and de jure segregation? Are all forms of segregation banned by the constitution? The difference between de facto and de jure segregation is that de facto segregation is by personal choice or private practices, while de jure is due to discriminatory government policy. The Supreme Court ruled that de jure segregation is unconstitutional, while de facto segregation cannot be remedied by the constitution. Read on to discover the history and examples of de facto and de jure segregation in housing.