DOJ Reaches Record $31 Million Redlining Settlement with City National
Last week, the Department of Justice touted its “largest ever” redlining settlement — $31 million — in an agreement reached with City National Bank.
The DOJ’s argument was pretty straightforward:
City National had 37 bank branches in LA during the time period in question, but only three of these were in majority Black/Hispanic neighborhoods — despite the fact that over half of census tracts in LA county are majority Black/Hispanic.
The bank relied on in-branch “relationship managers” to drive mortgage applications, typically from its existing (mostly white) customers, instead of marketing its products in Black/Hispanic areas.
The bank’s “internal fair-lending oversight, policies, and procedures were inadequate to ensure that the Bank provided equal access to credit to residents of majority-Black and Hispanic neighborhoods,” and, despite internal reports as far back as 2016 of its high and increasing fair lending risk, the bank “took no meaningful action” to address the problems.
Black dots represent mortgage originations, which are overwhelmingly concentrated in majority white census tracts; image: U.S. Department of Justice.
The results are stark. Of 8,593 HMDA-reportable mortgage applications City National received from 2017 through 2020, just eight percent came from majority Black and Hispanic census tracts. By comparison, “peer” banks generated 46% of their mortgage loan applications — more than 6x the number — from majority Black/Hispanic census tracts during the same period.
Even when City National originated loans to borrowers in majority Black/Hispanic census tracts, those loans went disproportionately to white borrowers.
The DOJ analysis found that “etween 2017 and 2020, City National originated only 113 loans to Black or Hispanic residents of majority-Black and Hispanic tracts, while making 176 loans to white residents of those tracts.”
Per the consent order, City National must open one new branch in a majority Black/Hispanic neighborhood and “nvest at least $29.5 million in a loan subsidy fund for residents of majority-Black and Hispanic neighborhoods in Los Angeles County; at least $500,000 for advertising and outreach targeted toward the residents of these neighborhoods; at least $500,000 for a consumer financial education program to help increase access to credit for residents; and at least $750,000 for development of community partnerships to provide services that increase access to residential mortgage credit.”
In 2021, City National recorded $487 million in income, per its call report filings — or about $1.3 million per day. The headline $31 million settlement amounts to less than a month’s worth of profit, which isn’t nothing, but hardly seems significant enough to change how many banks think about this type of penalty: just another cost of doing business.
Re: Is America a racist nation?
Posted: Sun Jan 15, 2023 12:11 pm
by Typical Lax Dad
Farfromgeneva wrote: ↑Sun Jan 15, 2023 9:32 am
Not a good look and City National is a "wealth" bank catering to HNW customers which in some ways makes it worse optically.
DOJ Reaches Record $31 Million Redlining Settlement with City National
Last week, the Department of Justice touted its “largest ever” redlining settlement — $31 million — in an agreement reached with City National Bank.
The DOJ’s argument was pretty straightforward:
City National had 37 bank branches in LA during the time period in question, but only three of these were in majority Black/Hispanic neighborhoods — despite the fact that over half of census tracts in LA county are majority Black/Hispanic.
The bank relied on in-branch “relationship managers” to drive mortgage applications, typically from its existing (mostly white) customers, instead of marketing its products in Black/Hispanic areas.
The bank’s “internal fair-lending oversight, policies, and procedures were inadequate to ensure that the Bank provided equal access to credit to residents of majority-Black and Hispanic neighborhoods,” and, despite internal reports as far back as 2016 of its high and increasing fair lending risk, the bank “took no meaningful action” to address the problems.
Black dots represent mortgage originations, which are overwhelmingly concentrated in majority white census tracts; image: U.S. Department of Justice.
The results are stark. Of 8,593 HMDA-reportable mortgage applications City National received from 2017 through 2020, just eight percent came from majority Black and Hispanic census tracts. By comparison, “peer” banks generated 46% of their mortgage loan applications — more than 6x the number — from majority Black/Hispanic census tracts during the same period.
Even when City National originated loans to borrowers in majority Black/Hispanic census tracts, those loans went disproportionately to white borrowers.
The DOJ analysis found that “etween 2017 and 2020, City National originated only 113 loans to Black or Hispanic residents of majority-Black and Hispanic tracts, while making 176 loans to white residents of those tracts.”
Per the consent order, City National must open one new branch in a majority Black/Hispanic neighborhood and “nvest at least $29.5 million in a loan subsidy fund for residents of majority-Black and Hispanic neighborhoods in Los Angeles County; at least $500,000 for advertising and outreach targeted toward the residents of these neighborhoods; at least $500,000 for a consumer financial education program to help increase access to credit for residents; and at least $750,000 for development of community partnerships to provide services that increase access to residential mortgage credit.”
In 2021, City National recorded $487 million in income, per its call report filings — or about $1.3 million per day. The headline $31 million settlement amounts to less than a month’s worth of profit, which isn’t nothing, but hardly seems significant enough to change how many banks think about this type of penalty: just another cost of doing business.
This is what “institutional” racism looks like….and institutional decisions are made by people. This is not an accident, having worked in “community development” for three years. Kind of crazy.
Re: Is America a racist nation?
Posted: Sun Jan 15, 2023 12:29 pm
by Brooklyn
This is what “institutional” racism looks like….and institutional decisions are made by people. This is not an accident, having worked in “community development” for three years. Kind of crazy.
Redlining, redistricting, police brutality, selective enforcement of the law, ticket quotas, racial disparity in sentencing, environmental racism or ecological apartheid, gentrification, etc. All examples (and there are more) are incontrovertible proof that the USA is a racist society.
Farfromgeneva wrote: ↑Sun Jan 15, 2023 9:32 am
Not a good look and City National is a "wealth" bank catering to HNW customers which in some ways makes it worse optically.
DOJ Reaches Record $31 Million Redlining Settlement with City National
Last week, the Department of Justice touted its “largest ever” redlining settlement — $31 million — in an agreement reached with City National Bank.
The DOJ’s argument was pretty straightforward:
City National had 37 bank branches in LA during the time period in question, but only three of these were in majority Black/Hispanic neighborhoods — despite the fact that over half of census tracts in LA county are majority Black/Hispanic.
The bank relied on in-branch “relationship managers” to drive mortgage applications, typically from its existing (mostly white) customers, instead of marketing its products in Black/Hispanic areas.
The bank’s “internal fair-lending oversight, policies, and procedures were inadequate to ensure that the Bank provided equal access to credit to residents of majority-Black and Hispanic neighborhoods,” and, despite internal reports as far back as 2016 of its high and increasing fair lending risk, the bank “took no meaningful action” to address the problems.
Black dots represent mortgage originations, which are overwhelmingly concentrated in majority white census tracts; image: U.S. Department of Justice.
The results are stark. Of 8,593 HMDA-reportable mortgage applications City National received from 2017 through 2020, just eight percent came from majority Black and Hispanic census tracts. By comparison, “peer” banks generated 46% of their mortgage loan applications — more than 6x the number — from majority Black/Hispanic census tracts during the same period.
Even when City National originated loans to borrowers in majority Black/Hispanic census tracts, those loans went disproportionately to white borrowers.
The DOJ analysis found that “etween 2017 and 2020, City National originated only 113 loans to Black or Hispanic residents of majority-Black and Hispanic tracts, while making 176 loans to white residents of those tracts.”
Per the consent order, City National must open one new branch in a majority Black/Hispanic neighborhood and “nvest at least $29.5 million in a loan subsidy fund for residents of majority-Black and Hispanic neighborhoods in Los Angeles County; at least $500,000 for advertising and outreach targeted toward the residents of these neighborhoods; at least $500,000 for a consumer financial education program to help increase access to credit for residents; and at least $750,000 for development of community partnerships to provide services that increase access to residential mortgage credit.”
In 2021, City National recorded $487 million in income, per its call report filings — or about $1.3 million per day. The headline $31 million settlement amounts to less than a month’s worth of profit, which isn’t nothing, but hardly seems significant enough to change how many banks think about this type of penalty: just another cost of doing business.
This is what “institutional” racism looks like….and institutional decisions are made by people. This is not an accident, having worked in “community development” for three years. Kind of crazy.
The thing that gets me is the number of white Americans who deny that there's such thing as institutional racism. How many more of these stories do they need to hear before they figure that yes, we still have some serious work to do in our nation?
The example I've used here a few times is High School drugs. For urban black kids, holding a bag of weed or blow can make you a career criminal. While in the overwhelmingly white Burbs, it can make you the "cool kid" in High School, and you have no chance of getting arrested. That's institutional racism.
Farfromgeneva wrote: ↑Sun Jan 15, 2023 9:32 am
Not a good look and City National is a "wealth" bank catering to HNW customers which in some ways makes it worse optically.
DOJ Reaches Record $31 Million Redlining Settlement with City National
Last week, the Department of Justice touted its “largest ever” redlining settlement — $31 million — in an agreement reached with City National Bank.
The DOJ’s argument was pretty straightforward:
City National had 37 bank branches in LA during the time period in question, but only three of these were in majority Black/Hispanic neighborhoods — despite the fact that over half of census tracts in LA county are majority Black/Hispanic.
The bank relied on in-branch “relationship managers” to drive mortgage applications, typically from its existing (mostly white) customers, instead of marketing its products in Black/Hispanic areas.
The bank’s “internal fair-lending oversight, policies, and procedures were inadequate to ensure that the Bank provided equal access to credit to residents of majority-Black and Hispanic neighborhoods,” and, despite internal reports as far back as 2016 of its high and increasing fair lending risk, the bank “took no meaningful action” to address the problems.
Black dots represent mortgage originations, which are overwhelmingly concentrated in majority white census tracts; image: U.S. Department of Justice.
The results are stark. Of 8,593 HMDA-reportable mortgage applications City National received from 2017 through 2020, just eight percent came from majority Black and Hispanic census tracts. By comparison, “peer” banks generated 46% of their mortgage loan applications — more than 6x the number — from majority Black/Hispanic census tracts during the same period.
Even when City National originated loans to borrowers in majority Black/Hispanic census tracts, those loans went disproportionately to white borrowers.
The DOJ analysis found that “etween 2017 and 2020, City National originated only 113 loans to Black or Hispanic residents of majority-Black and Hispanic tracts, while making 176 loans to white residents of those tracts.”
Per the consent order, City National must open one new branch in a majority Black/Hispanic neighborhood and “nvest at least $29.5 million in a loan subsidy fund for residents of majority-Black and Hispanic neighborhoods in Los Angeles County; at least $500,000 for advertising and outreach targeted toward the residents of these neighborhoods; at least $500,000 for a consumer financial education program to help increase access to credit for residents; and at least $750,000 for development of community partnerships to provide services that increase access to residential mortgage credit.”
In 2021, City National recorded $487 million in income, per its call report filings — or about $1.3 million per day. The headline $31 million settlement amounts to less than a month’s worth of profit, which isn’t nothing, but hardly seems significant enough to change how many banks think about this type of penalty: just another cost of doing business.
This is what “institutional” racism looks like….and institutional decisions are made by people. This is not an accident, having worked in “community development” for three years. Kind of crazy.
Is committed development the same thing as gentrification? I’m Atlanta they want to reduce cars but don’t have any useful transit system - how’s that work for poor working folks?
Farfromgeneva wrote: ↑Sun Jan 15, 2023 9:32 am
Not a good look and City National is a "wealth" bank catering to HNW customers which in some ways makes it worse optically.
DOJ Reaches Record $31 Million Redlining Settlement with City National
Last week, the Department of Justice touted its “largest ever” redlining settlement — $31 million — in an agreement reached with City National Bank.
The DOJ’s argument was pretty straightforward:
City National had 37 bank branches in LA during the time period in question, but only three of these were in majority Black/Hispanic neighborhoods — despite the fact that over half of census tracts in LA county are majority Black/Hispanic.
The bank relied on in-branch “relationship managers” to drive mortgage applications, typically from its existing (mostly white) customers, instead of marketing its products in Black/Hispanic areas.
The bank’s “internal fair-lending oversight, policies, and procedures were inadequate to ensure that the Bank provided equal access to credit to residents of majority-Black and Hispanic neighborhoods,” and, despite internal reports as far back as 2016 of its high and increasing fair lending risk, the bank “took no meaningful action” to address the problems.
Black dots represent mortgage originations, which are overwhelmingly concentrated in majority white census tracts; image: U.S. Department of Justice.
The results are stark. Of 8,593 HMDA-reportable mortgage applications City National received from 2017 through 2020, just eight percent came from majority Black and Hispanic census tracts. By comparison, “peer” banks generated 46% of their mortgage loan applications — more than 6x the number — from majority Black/Hispanic census tracts during the same period.
Even when City National originated loans to borrowers in majority Black/Hispanic census tracts, those loans went disproportionately to white borrowers.
The DOJ analysis found that “etween 2017 and 2020, City National originated only 113 loans to Black or Hispanic residents of majority-Black and Hispanic tracts, while making 176 loans to white residents of those tracts.”
Per the consent order, City National must open one new branch in a majority Black/Hispanic neighborhood and “nvest at least $29.5 million in a loan subsidy fund for residents of majority-Black and Hispanic neighborhoods in Los Angeles County; at least $500,000 for advertising and outreach targeted toward the residents of these neighborhoods; at least $500,000 for a consumer financial education program to help increase access to credit for residents; and at least $750,000 for development of community partnerships to provide services that increase access to residential mortgage credit.”
In 2021, City National recorded $487 million in income, per its call report filings — or about $1.3 million per day. The headline $31 million settlement amounts to less than a month’s worth of profit, which isn’t nothing, but hardly seems significant enough to change how many banks think about this type of penalty: just another cost of doing business.
This is what “institutional” racism looks like….and institutional decisions are made by people. This is not an accident, having worked in “community development” for three years. Kind of crazy.
The thing that gets me is the number of white Americans who deny that there's such thing as institutional racism. How many more of these stories do they need to hear before they figure that yes, we still have some serious work to do in our nation?
The example I've used here a few times is High School drugs. For urban black kids, holding a bag of weed or blow can make you a career criminal. While in the overwhelmingly white Burbs, it can make you the "cool kid" in High School, and you have no chance of getting arrested. That's institutional racism.
Weed yes, Coke no. I know a few from where I grew up as well as some in college if you get caught with much more than an 8 ball (3.5g) and the YaYo it’s pretty hard to get out from under absent real money from what I’ve observed.
Farfromgeneva wrote: ↑Sun Jan 15, 2023 9:32 am
Not a good look and City National is a "wealth" bank catering to HNW customers which in some ways makes it worse optically.
DOJ Reaches Record $31 Million Redlining Settlement with City National
Last week, the Department of Justice touted its “largest ever” redlining settlement — $31 million — in an agreement reached with City National Bank.
The DOJ’s argument was pretty straightforward:
City National had 37 bank branches in LA during the time period in question, but only three of these were in majority Black/Hispanic neighborhoods — despite the fact that over half of census tracts in LA county are majority Black/Hispanic.
The bank relied on in-branch “relationship managers” to drive mortgage applications, typically from its existing (mostly white) customers, instead of marketing its products in Black/Hispanic areas.
The bank’s “internal fair-lending oversight, policies, and procedures were inadequate to ensure that the Bank provided equal access to credit to residents of majority-Black and Hispanic neighborhoods,” and, despite internal reports as far back as 2016 of its high and increasing fair lending risk, the bank “took no meaningful action” to address the problems.
Black dots represent mortgage originations, which are overwhelmingly concentrated in majority white census tracts; image: U.S. Department of Justice.
The results are stark. Of 8,593 HMDA-reportable mortgage applications City National received from 2017 through 2020, just eight percent came from majority Black and Hispanic census tracts. By comparison, “peer” banks generated 46% of their mortgage loan applications — more than 6x the number — from majority Black/Hispanic census tracts during the same period.
Even when City National originated loans to borrowers in majority Black/Hispanic census tracts, those loans went disproportionately to white borrowers.
The DOJ analysis found that “etween 2017 and 2020, City National originated only 113 loans to Black or Hispanic residents of majority-Black and Hispanic tracts, while making 176 loans to white residents of those tracts.”
Per the consent order, City National must open one new branch in a majority Black/Hispanic neighborhood and “nvest at least $29.5 million in a loan subsidy fund for residents of majority-Black and Hispanic neighborhoods in Los Angeles County; at least $500,000 for advertising and outreach targeted toward the residents of these neighborhoods; at least $500,000 for a consumer financial education program to help increase access to credit for residents; and at least $750,000 for development of community partnerships to provide services that increase access to residential mortgage credit.”
In 2021, City National recorded $487 million in income, per its call report filings — or about $1.3 million per day. The headline $31 million settlement amounts to less than a month’s worth of profit, which isn’t nothing, but hardly seems significant enough to change how many banks think about this type of penalty: just another cost of doing business.
This is what “institutional” racism looks like….and institutional decisions are made by people. This is not an accident, having worked in “community development” for three years. Kind of crazy.
The thing that gets me is the number of white Americans who deny that there's such thing as institutional racism. How many more of these stories do they need to hear before they figure that yes, we still have some serious work to do in our nation?
The example I've used here a few times is High School drugs. For urban black kids, holding a bag of weed or blow can make you a career criminal. While in the overwhelmingly white Burbs, it can make you the "cool kid" in High School, and you have no chance of getting arrested. That's institutional racism.
Weed yes, Coke no. I know a few from where I grew up as well as some in college if you get caught with much more than an 8 ball (3.5g) and the YaYo it’s pretty hard to get out from under absent real money from what I’ve observed.
Farfromgeneva wrote: ↑Sun Jan 15, 2023 9:32 am
Not a good look and City National is a "wealth" bank catering to HNW customers which in some ways makes it worse optically.
DOJ Reaches Record $31 Million Redlining Settlement with City National
Last week, the Department of Justice touted its “largest ever” redlining settlement — $31 million — in an agreement reached with City National Bank.
The DOJ’s argument was pretty straightforward:
City National had 37 bank branches in LA during the time period in question, but only three of these were in majority Black/Hispanic neighborhoods — despite the fact that over half of census tracts in LA county are majority Black/Hispanic.
The bank relied on in-branch “relationship managers” to drive mortgage applications, typically from its existing (mostly white) customers, instead of marketing its products in Black/Hispanic areas.
The bank’s “internal fair-lending oversight, policies, and procedures were inadequate to ensure that the Bank provided equal access to credit to residents of majority-Black and Hispanic neighborhoods,” and, despite internal reports as far back as 2016 of its high and increasing fair lending risk, the bank “took no meaningful action” to address the problems.
Black dots represent mortgage originations, which are overwhelmingly concentrated in majority white census tracts; image: U.S. Department of Justice.
The results are stark. Of 8,593 HMDA-reportable mortgage applications City National received from 2017 through 2020, just eight percent came from majority Black and Hispanic census tracts. By comparison, “peer” banks generated 46% of their mortgage loan applications — more than 6x the number — from majority Black/Hispanic census tracts during the same period.
Even when City National originated loans to borrowers in majority Black/Hispanic census tracts, those loans went disproportionately to white borrowers.
The DOJ analysis found that “etween 2017 and 2020, City National originated only 113 loans to Black or Hispanic residents of majority-Black and Hispanic tracts, while making 176 loans to white residents of those tracts.”
Per the consent order, City National must open one new branch in a majority Black/Hispanic neighborhood and “nvest at least $29.5 million in a loan subsidy fund for residents of majority-Black and Hispanic neighborhoods in Los Angeles County; at least $500,000 for advertising and outreach targeted toward the residents of these neighborhoods; at least $500,000 for a consumer financial education program to help increase access to credit for residents; and at least $750,000 for development of community partnerships to provide services that increase access to residential mortgage credit.”
In 2021, City National recorded $487 million in income, per its call report filings — or about $1.3 million per day. The headline $31 million settlement amounts to less than a month’s worth of profit, which isn’t nothing, but hardly seems significant enough to change how many banks think about this type of penalty: just another cost of doing business.
This is what “institutional” racism looks like….and institutional decisions are made by people. This is not an accident, having worked in “community development” for three years. Kind of crazy.
The thing that gets me is the number of white Americans who deny that there's such thing as institutional racism. How many more of these stories do they need to hear before they figure that yes, we still have some serious work to do in our nation?
The example I've used here a few times is High School drugs. For urban black kids, holding a bag of weed or blow can make you a career criminal. While in the overwhelmingly white Burbs, it can make you the "cool kid" in High School, and you have no chance of getting arrested. That's institutional racism.
Weed yes, Coke no. I know a few from where I grew up as well as some in college if you get caught with much more than an 8 ball (3.5g) and the YaYo it’s pretty hard to get out from under absent real money from what I’ve observed.
But otherwise point taken and agreed.
The real “golden rule”…
Well yea there were a few rich kid dealers at Hobart I was friends with who got jammed up with 1-2oz plus pills like Ritalin, etc and managed just fine. Only one even left campus.
The thing that gets me is the number of white Americans who deny that there's such thing as institutional racism. How many more of these stories do they need to hear before they figure that yes, we still have some serious work to do in our nation?
The example I've used here a few times is High School drugs. For urban black kids, holding a bag of weed or blow can make you a career criminal. While in the overwhelmingly white Burbs, it can make you the "cool kid" in High School, and you have no chance of getting arrested. That's institutional racism.
- driving while black -
- shopping while black -
- soliciting contributions for the local high school football program while black -
- walking in a white suburban town while black -
- filming or taking photos while black -
- soliciting a cab while black -
- answering apartment for rent ads while black
--- and there many, many more examples of institutional racism
The thing that gets me is the number of white Americans who deny that there's such thing as institutional racism. How many more of these stories do they need to hear before they figure that yes, we still have some serious work to do in our nation?
The example I've used here a few times is High School drugs. For urban black kids, holding a bag of weed or blow can make you a career criminal. While in the overwhelmingly white Burbs, it can make you the "cool kid" in High School, and you have no chance of getting arrested. That's institutional racism.
- driving while black -
- shopping while black -
- soliciting contributions for the local high school football program while black -
- walking in a white suburban town while black -
- filming or taking photos while black -
- soliciting a cab while black -
- answering apartment for rent ads while black
--- and there many, many more examples of institutional racism
Re: Is America a racist nation?
Posted: Sun Jan 15, 2023 7:17 pm
by MDlaxfan76
Typical Lax Dad wrote: ↑Sun Jan 15, 2023 7:09 pm
[youtube][/youtube]
The thing that gets me is the number of white Americans who deny that there's such thing as institutional racism. How many more of these stories do they need to hear before they figure that yes, we still have some serious work to do in our nation?
The example I've used here a few times is High School drugs. For urban black kids, holding a bag of weed or blow can make you a career criminal. While in the overwhelmingly white Burbs, it can make you the "cool kid" in High School, and you have no chance of getting arrested. That's institutional racism.
- driving while black -
- shopping while black -
- soliciting contributions for the local high school football program while black -
- walking in a white suburban town while black -
- filming or taking photos while black -
- soliciting a cab while black -
- answering apartment for rent ads while black
--- and there many, many more examples of institutional racism
good lord; there's no way this happens if that had been two white men. The neighbor (former cop) wouldn't have made that assumption in the first place, knowing the house was for sale, and secondly, the cops would have asked for a business card, not put them in cuffs. At a minimum, the question would have been, 'did you force the door open?'...the answer, likely, was that the realtor used a key...'show me the key'...but no way the men go into cuffs instead for 'safety of everyone'.
The thing that gets me is the number of white Americans who deny that there's such thing as institutional racism. How many more of these stories do they need to hear before they figure that yes, we still have some serious work to do in our nation?
The example I've used here a few times is High School drugs. For urban black kids, holding a bag of weed or blow can make you a career criminal. While in the overwhelmingly white Burbs, it can make you the "cool kid" in High School, and you have no chance of getting arrested. That's institutional racism.
- driving while black -
- shopping while black -
- soliciting contributions for the local high school football program while black -
- walking in a white suburban town while black -
- filming or taking photos while black -
- soliciting a cab while black -
- answering apartment for rent ads while black
--- and there many, many more examples of institutional racism
good lord; there's no way this happens if that had been two white men. The neighbor (former cop) wouldn't have made that assumption in the first place, knowing the house was for sale, and secondly, the cops would have asked for a business card, not put them in cuffs. At a minimum, the question would have been, 'did you force the door open?'...the answer, likely, was that the realtor used a key...'show me the key'...but no way the men go into cuffs instead for 'safety of everyone'.
Just being careful…..
Re: Is America a racist nation?
Posted: Sun Jan 15, 2023 7:20 pm
by Typical Lax Dad
Re: Is America a racist nation?
Posted: Sun Jan 15, 2023 7:52 pm
by Farfromgeneva
What about the FBI agent in Va and a million other examples though I don’t think of their stuff as institutional but rather overt. To me the institutional stuff is the produce of generations of systemic racism impacting the range of outcomes from the day of birth for minorities today. Isn’t that really more what systemic or institutional racism refers to.
Re: Is America a racist nation?
Posted: Sun Jan 15, 2023 8:06 pm
by Typical Lax Dad
Farfromgeneva wrote: ↑Sun Jan 15, 2023 7:52 pm
What about the FBI agent in Va and a million other examples though I don’t think of their stuff as institutional but rather overt. To me the institutional stuff is the produce of generations of systemic racism impacting the range of outcomes from the day of birth for minorities today. Isn’t that really more what systemic or institutional racism refers to.
Yes. And some institutions provide aid and comfort to some racists.
Institutional racism, also known as systemic racism, is a form of racism that is embedded in the laws and regulations of a society or an organization. It manifests as discrimination in areas such as criminal justice, employment, housing, health care, education, and political representation.
Farfromgeneva wrote: ↑Sun Jan 15, 2023 7:52 pm
What about the FBI agent in Va and a million other examples though I don’t think of their stuff as institutional but rather overt. To me the institutional stuff is the produce of generations of systemic racism impacting the range of outcomes from the day of birth for minorities today. Isn’t that really more what systemic or institutional racism refers to.
Yes. And some institutions provide aid and comfort to some racists.
Institutional racism, also known as systemic racism, is a form of racism that is embedded in the laws and regulations of a society or an organization. It manifests as discrimination in areas such as criminal justice, employment, housing, health care, education, and political representation.
Right so more subtle and shows in outcomes like the punishment element for similar crimes or having more limited choices while growing up etc.