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Blacks, Latinos More Vulnerable to Consumer Fraud

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African Americans and Hispanics continue to be victimized by consumer scams at li slier rates than white Americans but are more reluctant to report their experiences, according to the Federal Trade Commission (FTC) officials lathered in Milwaukee. Wis.

“African Americans are almost twice as likely to be victims of consumer fraud as whites.” said Todd Kossow, FTC’s Midwest Regional Director, noting that Hispanics also are victimized “at a significantly higher rate than whites.”

He listed debt-related scams hat hold out the hope of avoiding foreclosure, paying down student loans, and credit card debt among the leading monetary enticements that lure poor, low-income, or otherwise financially marginal individuals to grasp at the false promises of solvency and freedom from creditors.

Kossow led off a discussion on consumer fraud with other FTC officials and an all-star panel of experts drawn from federal agencies, including 1RS Criminal Investigations, the U.S. Attorney’s Office Elder Justice Initiative. U.S. Postal Inspector Service, and the Federal Deposit Insurance Corporation.

They were joined by a representative from Wisconsin’s Department of Transportation’s auto division, other state and Milwaukee city agencies, including the Milwaukee Public School District, as well as local participants from consumer advocacy organizations like the AARP. and the Better Business Bureau. Media also attended the event, held at Milwaukee’s Washington Park Branch Library.

Sandy Close, founder of Ethnic Media Services, termed the symposium “a convening of fraud busters in order to create a community of informed advocates. Local media are vital to this effort.” EMS. a San Francisco organization that serves ethnic media, has cohosted similar events with the Federal Trade Commission for over three years in cities across the country. The magnitude of the crisis is pervasive and daunting.

Kossow said the latest data show that 11 percent of America’s adult population, or approximately 25.6 million people. were victims of scams in one year alone. Though reporting can be done anonymously, African Americans and His- panics have been less likely to report fraud, making it more difficult for enforcement officials to alert consumers to the latest scams. That underreporting prompted an FTC report.

In Milwaukee, and throughout the country, imposter scams comprise the greatest number of consumer fraud events: “any scam where someone pretends to be who they are not in order to get your money.” Kossow explained.

These scams are often initiated over the phone by an individual who claims to be an 1RS agent, or is calling from the Social Security Administration, from a well-known institutional authority or reputable corporation. Also proliferating are technical support scams, where the caller convinces a consumer that a computer or a piece of equipment needs a patch or adjustment of some kind.

Aside from fraudulent schemes that can potentially affect any consumer, there are scams rooted in bitter legacies of discrimination, for example, when banks, through redlining, declined to offer mortgages to African Americans seeking to live in certain neighborhoods or zip codes.

Insurance companies likewise shirked legal obligations behind the veneer of prudently avoiding doing business with “high-risk individuals,” the not so discreet tenu for people of predominantly non-European descent, or. who. if then insured. were charged exorbitant rates.

Jessica Roulette, an attorney at Legal Action of Wisconsin, and a native of Milwaukee, spoke to the ramifications of this history’. “Scammers prey on the effects of structural racism. the fact that minorities have been excluded from our banking system: excluded from home ownership.” She cited the 2008 financial crisis as but one fairly recent example of how financially unsophisticated. low-income consumers, were steered into burdensome mortgages designed to fail.

She outlined how structural inequities have affected minority and poor communities in her city and continue to impede home ownership, the primary means of the transfer of intergenerational wealth in America.

Immigrants also, especially those who have functioned outside the traditional banking system, are vulnerable to these types of scams. Without community members sharing their knowledge and gaining an understanding of their rights, simply put. Roulette said, “it’s easy to be deceived.”

Khalil Abdullah, Ethnic Media Services

Khalil Abdullah, Ethnic Media Services

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Not Just a Southern Issue: Advocates Say SCOTUS Voting Rights Decision Has Already Started to Reshape Black Political Power

OAKLAND POST — Following the Civil War and Reconstruction, constitutional amendments expanded Black citizenship and voting rights across the South, leading to dramatic increases in Black political representation. But those gains were quickly met with violent backlash and the rise of Jim Crow laws designed to suppress Black voting through poll taxes, literacy tests, and other “race-neutral” restrictions.

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By Edward Henderson, California Black Media

U.S. Rep. Sydney Kamlager-Dove (D-CA-37), a member of the Congressional Black Caucus (CBC) whose district spans parts of Los Angeles County, joined fellow CBC member U.S. Rep. Troy Carter (D-LA-2) for a May 21 briefing with Black media outlets in California. 

The lawmakers highlighted what they describe as a mounting threat to Black political representation resulting from an April 29 U.S. Supreme Court ruling that weakened key protections under the federal Voting Rights Act.  

Kamlager-Dove and Carter warned that the decision, which narrowed the role of race in redistricting, is already reshaping congressional districts across the South and undermining Black voters’ ability to elect candidates of their choice.

“While we are a super blue state, we have far to go when it comes to Black representation; we tend to take that for granted,” Kamlager-Dove said of California, noting that the Golden State has the fifth largest Black population in the country and only has three Black members of Congress.   

“While I support building coalitions, we have to make sure that as a Black community we are not yielding our power,” she added.

Calling the fight “not unique to the South,” Carter urged Black communities nationwide to recognize the broader implications of the legal and political battles unfolding in Southern legislatures and courtrooms. 

The Supreme Court ruling centers on Section 2 of the Voting Rights Act of 1965, the portion of the law that prohibits voting systems or district maps that dilute the voting strength of racial minorities. For decades, Section 2 allowed civil rights groups to challenge district maps that weakened Black political representation even when lawmakers did not openly state discriminatory intent.

Now, advocates fear that standard has fundamentally changed. 

“You have to have smoking gun evidence,” said Mitchell Brown, senior voting rights counsel at the Southern Coalition for Social Justice, during a recent media briefing hosted by American Community Media on May 15. “Legislators are not going to say the quiet part out loud.” 

The implications could stretch far beyond congressional elections, Brown said.  

Section 2 protections have historically applied not only to U.S. House districts, but also to state legislatures, school boards, county commissions, judgeships, and local governing bodies. Voting rights advocates warn that weakening those protections could reshape political representation throughout the South, particularly in states with large Black populations. 

“This is not just a Southern issue,” said Amir Badat, manager of Black Voters on the Rise and voting special counsel at the NAACP Legal Defense and Educational Fund.

Badat described the current moment as part of a much longer historical pattern. 

Following the Civil War and Reconstruction, constitutional amendments expanded Black citizenship and voting rights across the South, leading to dramatic increases in Black political representation. But those gains were quickly met with violent backlash and the rise of Jim Crow laws designed to suppress Black voting through poll taxes, literacy tests, and other “race-neutral” restrictions. 

“This is the same move,” Badat said.

Advocates also emphasized that the consequences of weakened voting protections extend into everyday life. 

Local elected offices such as school boards, city councils, county commissions, and judgeships often determine funding priorities, public safety policy, education standards, and infrastructure investments.

“These are not abstract numbers,” Badat said. “These have real political consequences and policy consequences on people’s day-to-day lives.” 

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Rest in Peace: A.M.E. Pastor and L.A Civil Rights Icon Cecil “Chip” Murray Passes

The Rev. Dr. Cecil L. “Chip” Murray, former pastor of First African Methodist Episcopal Church (FAME) in Los Angeles, died of natural causes April 6 at his Windsor Hills Home. He was 94. “Today, we lost a giant. Reverend Dr. Cecil Murray dedicated his life to service, community, and putting God first in all things. I had the absolute honor of working with him, worshiping with him, and seeking his counsel,” said Los Angeles Mayor Karen Bass of the dynamic religious leader whose ministry inspired and attracted millionaires as well as former gang bangers and people dealing with substance use disorder (SUD).

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The Rev. Dr. Cecil L. “Chip” Murray, former pastor of First African Methodist Episcopal Church (FAME) in Los Angeles, died of natural causes April 6 at his Windsor Hills Home. He was 94.

“Today, we lost a giant. Reverend Dr. Cecil Murray dedicated his life to service, community, and putting God first in all things. I had the absolute honor of working with him, worshiping with him, and seeking his counsel,” said Los Angeles Mayor Karen Bass of the dynamic religious leader whose ministry inspired and attracted millionaires as well as former gang bangers and people dealing with substance use disorder (SUD).

Murray oversaw the growth of FAME’s congregation from 250 members to 18,000.

“My heart is with the First AME congregation and community today as we reflect on a legacy that changed this city forever,” Bass continued.

Murray served as Senior Minister at FAME, the oldest Black congregation in the city, for 27 years. During that time, various dignitaries visited and he built strong relationships with political and civic leaders in the city and across the state, as well as a number of Hollywood figures. Several national political leaders also visited with Murray and his congregation at FAME, including Presidents George W. Bush and Bill Clinton.

Murray, a Florida native and U.S. Air Force vet, attended Florida A&M University, where he majored in history, worked on the school newspaper and pledged Alpha Phi Alpha Fraternity.  He later attended Claremont School of Theology in Los Angeles County, where he earned his doctorate in Divinity.

Murray is survived by his son Drew. His wife Bernadine, who was a committed member of the A.M.E. church and the daughter of his childhood pastor, died in 2013.

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Court Throws Out Law That Allowed Californians to Build Duplexes, Triplexes and RDUs on Their Properties

Charter cities in California won a lawsuit last week against the state that declared Senate Bill (SB) 9, a pro-housing bill, unconstitutional. Passed in 2021, SB 9 is also known as the California Housing Opportunity and More Efficiency Act (HOME). That law permits up to four residential units — counting individual units of duplexes, triplexes and residential dwelling units (RDUs) – to be built on properties in neighborhoods that were previously zoned for only single-family homes.

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Charter cities in California won a lawsuit last week against the state that declared Senate Bill (SB) 9, a pro-housing bill, unconstitutional.

Passed in 2021, SB 9 is also known as the California Housing Opportunity and More Efficiency Act (HOME). That law permits up to four residential units — counting individual units of duplexes, triplexes and residential dwelling units (RDUs) – to be built on properties in neighborhoods that were previously zoned for only single-family homes.

A Los Angeles Superior Court Judge ruled in favor of the cities, pointing out that SB 9 discredited charter cities that were granted jurisdiction to create new governance systems and enact policy reforms. The court ruling affects 121 charter cities that have local constitutions.

Attorney Pam Lee represented five Southern California cities in the lawsuit against the state and Attorney General Rob Bonta.

“This is a monumental victory for all charter cities in California,” Lee said.

However, general law cities are excluded from the court ruling as state housing laws still apply in residential areas.

Attorney General Bonta and his team are working to review the decision and consider all options that will protect SB 9 as a state law. Bonta said the law has helped provide affordable housing for residents in California.

“Our statewide housing shortage and affordability crisis requires collaboration, innovation, and a good faith effort by local governments to increase the housing supply,” Bonta said.

“SB9 is an important tool in this effort, and we’re going to make sure homeowners have the opportunity to utilize it,” he said.

Charter cities remain adamant that the state should refrain from making land-use decisions on their behalf. In the lawsuit, city representatives argued that SB 9 eliminates local authority to create single-family zoning districts and approve housing developments.

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