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Housing Discrimination Complaints Reach 24-Year High, While HUD Rolls Back Fair Housing Rules

WASHINGTON INFORMER — “All the tools and resources we have been afforded by the passage of our Fair Housing Act and fair lending laws are either under attack or being gutted,” noted Lisa Rice, president and CEO of NFHA. “[W]e must concern ourselves with policies pushed by our federal, state, and local governments that are steeped in hatred and designed to inflict pain.”

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HUD Secretary, Ben Carson (Photo: Washington Informer / Diversity Inc.)

By Charlene Crowell, Center for Responsible Lending’s communications deputy director

As a candidate, President Donald Trump promised that if elected, deregulation of the federal government would be an administration priority. Soon after taking the oath of office, he issued an executive order requiring all departments and agencies to eliminate two existing regulations for every one new regulation proposed. In some cases, rules that were adopted before his term in office began but had not yet taken effect were either suspended or delayed.

For example, the long-awaited payday rule at the Consumer Financial Protection Bureau (CFPB) was one important consumer protection that was delayed. Similarly, at the Department of Education, two rules providing protections for student loans were also delayed. More recently, this column shared how Housing and Urban Development (HUD) Secretary Ben Carson claimed that regulation was the reason for homelessness, not affordable housing.

Now new research by the National Fair Housing Alliance finds that as fair lending laws have not been aggressively enforced, a corresponding rise in hate crimes and fair housing complaints have emerged.

“Defending Against Unprecedented Attacks on Fair Housing: 2019 Fair Housing Trends Report,” recently released by the D.C.-based National Fair Housing Alliance (NFHA), tallied 31,202 discriminatory housing complaints filed in just one year – 2018. Moreover, this data point is the highest number ever reported since the National Fair Housing Alliance (NFHA) began collecting data 24 years ago. America’s hate crimes jumped 14.7% last year as well.

Even when it comes to enforcing and defending legal breaches, NFHA’s report documents how few government offices are upholding laws. Some 75% of last year’s fair housing complaints were pursued by private, nonprofit organizations across the country. Only 25% of such cases were the result of combined government actions by state, local and federal agencies.

“All the tools and resources we have been afforded by the passage of our Fair Housing Act and fair lending laws are either under attack or being gutted,” noted Lisa Rice, president and CEO of NFHA. “[W]e must concern ourselves with policies pushed by our federal, state, and local governments that are steeped in hatred and designed to inflict pain.”

Instead of strengthening federal fair housing guarantees, HUD is a prime example of how regulations are trying to reverse decades of progress. One particular HUD rule, disparate impact, is at severe risk. This long-standing legal tool has helped root out discriminatory practices and policies in both housing and lending. In 2013 and under the Obama Administration, HUD set up safeguards that assured consumers could pursue related claims while businesses were protected against claims without merit.

With disparate impact, both community banks and FDIC-insured institutions have achieved net growth profits. The rule has proven to create lending that is fairer and profits that investors desire.

Even a 2015 landmark fair housing case that made its way to the U.S. Supreme Court upheld disparate impact as a cognizable claim under the Fair Housing Act. In Texas Department of Housing and Community Affairs v. The Inclusive Communities Project, Inc., the nation’s highest court found the disparate impact rule to be an important fair housing tool to move towards a more integrated society.

So why would Secretary Carson try to roll back a rule that should be settled law?

In joint comments filed by the Center for Responsible Lending, Self-Help Credit Union, and Self-Help Federal Credit Union, the organizations advised Secretary Carson.

“Instead of creating barriers for claimants, HUD should honor its mission and work to ensure that African-American, Latino, and other communities harmed by housing and lending discrimination have every tool to stop it so that all Americans have an opportunity to thrive,” wrote the organizations.

For the Cooperative Baptist Fellowship, the National Baptist Convention USA, Inc., the Rainbow Push Coalition, and scores of other local, state and regional faith members, HUD was reminded of the immorality of its proposed rule.

“Everyday Americans are now struggling to keep and/or find homes they can afford,” wrote the clergy. “As housing prices rise faster than incomes, an increasing number of people grapple with challenges of how hard it is to keep their loved ones safe. When the additional and illegal burden of housing discrimination emerges, the lives of many people worsen.”

Here’s hoping that within government there are still public servants that support improving peoples’ lives.

Charlene Crowell is the Center for Responsible Lending’s communications deputy director. She can be reached at Charlene.crowell@responsiblelending.org.

This post originally appeared in The Washington Informer.

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#NNPA BlackPress

Chavis and Bryant Lead Charge as Target Boycott Grows

BLACKPRESSUSA NEWSWIRE — Surrounded by civil rights leaders, economists, educators, and activists, Bryant declared the Black community’s power to hold corporations accountable for broken promises.

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By Stacy M. Brown
BlackPressUSA.com Senior National Correspondent

Calling for continued economic action and community solidarity, Dr. Jamal H. Bryant launched the second phase of the national boycott against retail giant Target this week at New Birth Missionary Baptist Church in Atlanta. Surrounded by civil rights leaders, economists, educators, and activists, Bryant declared the Black community’s power to hold corporations accountable for broken promises. “They said they were going to invest in Black communities. They said it — not us,” Bryant told the packed sanctuary. “Now they want to break those promises quietly. That ends tonight.” The town hall marked the conclusion of Bryant’s 40-day “Target fast,” initiated on March 3 after Target pulled back its Diversity, Equity, and Inclusion (DEI) commitments. Among those was a public pledge to spend $2 billion with Black-owned businesses by 2025—a pledge Bryant said was made voluntarily in the wake of George Floyd’s murder in 2020.“No company would dare do to the Jewish or Asian communities what they’ve done to us,” Bryant said. “They think they can get away with it. But not this time.”

The evening featured voices from national movements, including civil rights icon and National Newspaper Publishers Association (NNPA) President & CEO Dr. Benjamin F. Chavis Jr., who reinforced the need for sustained consciousness and collective media engagement. The NNPA is the trade association of the 250 African American newspapers and media companies known as The Black Press of America. “On the front page of all of our papers this week will be the announcement that the boycott continues all over the United States,” said Chavis. “I would hope that everyone would subscribe to a Black newspaper, a Black-owned newspaper, subscribe to an economic development program — because the consciousness that we need has to be constantly fed.” Chavis warned against the bombardment of negativity and urged the community to stay engaged beyond single events. “You can come to an event and get that consciousness and then lose it tomorrow,” he said. “We’re bombarded with all of the disgust and hopelessness. But I believe that starting tonight, going forward, we should be more conscious about how we help one another.”

He added, “We can attain and gain a lot more ground even during this period if we turn to each other rather than turning on each other.” Other speakers included Tamika Mallory, Dr. David Johns, Dr. Rashad Richey, educator Dr. Karri Bryant, and U.S. Black Chambers President Ron Busby. Each speaker echoed Bryant’s demand that economic protests be paired with reinvestment in Black businesses and communities. “We are the moral consciousness of this country,” Bryant said. “When we move, the whole nation moves.” Sixteen-year-old William Moore Jr., the youngest attendee, captured the crowd with a challenge to reach younger generations through social media and direct engagement. “If we want to grow this movement, we have to push this narrative in a way that connects,” he said.

Dr. Johns stressed reclaiming cultural identity and resisting systems designed to keep communities uninformed and divided. “We don’t need validation from corporations. We need to teach our children who they are and support each other with love,” he said. Busby directed attendees to platforms like ByBlack.us, a digital directory of over 150,000 Black-owned businesses, encouraging them to shift their dollars from corporations like Target to Black enterprises. Bryant closed by urging the audience to register at targetfast.org, which will soon be renamed to reflect the expanding boycott movement. “They played on our sympathies in 2020. But now we know better,” Bryant said. “And now, we move.”

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The Department of Education is Collecting Delinquent Student Loan Debt

BLACKPRESSUSA NEWSWIRE — the Department of Education will withhold money from tax refunds and Social Security benefits, garnish federal employee wages, and withhold federal pensions from people who have defaulted on their student loan debt.

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By April Ryan

Trump Targets Wages for Forgiven Student Debt

The Department of Education, which the Trump administration is working to abolish, will now serve as the collection agency for delinquent student loan debt for 5.3 million people who the administration says are delinquent and owe at least a year’s worth of student loan payments. “It is a liability to taxpayers,” says White House Press Secretary Karoline Leavitt at Tuesday’s White House Press briefing. She also emphasized the student loan federal government portfolio is “worth nearly $1.6 trillion.” The Trump administration says borrowers must repay their loans, and those in “default will face involuntary collections.” Next month, the Department of Education will withhold money from tax refunds and Social Security benefits, garnish federal employee wages, and withhold federal pensions from people who have defaulted on their student loan debt. Leavitt says “we can not “kick the can down the road” any longer.”

Much of this delinquent debt is said to have resulted from the grace period the Biden administration gave for student loan repayment. The grace period initially was set for 12 months but extended into three years, ending September 30, 2024. The Trump administration will begin collecting the delinquent payments starting May 5. Dr. Walter M. Kimbrough, president of Talladega College, told Black Press USA, “We can have that conversation about people paying their loans as long as we talk about the broader income inequality. Put everything on the table, put it on the table, and we can have a conversation.” Kimbrough asserts, “The big picture is that Black people have a fraction of wealth of white so you’re… already starting with a gap and then when you look at higher education, for example, no one talks about Black G.I.’s that didn’t get the G.I. Bill. A lot of people go to school and build wealth for their family…Black people have a fraction of wealth, so you already start with a wide gap.”

According to the Education Data Initiative, https://educationdata.org/average-time-to-repay-student-loans It takes the average borrower 20 years to pay their student loan debt. It also highlights how some professional graduates take over 45 years to repay student loans. A high-profile example of the timeline of student loan repayment is the former president and former First Lady Barack and Michelle Obama, who paid off their student loans by 2005 while in their 40s. On a related note, then-president Joe Biden spent much time haggling with progressives and Democratic leaders like Senators Elizabeth Warren and Chuck Schumer on Capitol Hill about whether and how student loan forgiveness would even happen.

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VIDEO: The Rev. Dr. Benjamin F. Chavis, Jr. at United Nations Permanent Forum on People of African Descent

https://youtu.be/Uy_BMKVtRVQ Excellencies:       With all protocol noted and respected, I am speaking today on behalf of the Black Press of America and on behalf of the Press of People of African Descent throughout the world.  I thank the Proctor Conference that helped to ensure our presence here at the Fourth Session of the […]

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Excellencies:

      With all protocol noted and respected, I am speaking today on behalf of the Black Press of America and on behalf of the Press of People of African Descent throughout the world.  I thank the Proctor Conference that helped to ensure our presence here at the Fourth Session of the UN Permanent Forum on People of African Descent.
      The focus on AI and digital equity is urgent within the real time realities today where there continues to be what is referred to as the so called mainstream national and international media companies that systematically undergird racism and imperialism against the interests of People of African Descent.
         We therefore call on this distinguished gathering of leaders and experts to challenge member states to cite and to prevent the institutionalization of racism in all forms of media including social media, AI and any form of digital bias and algorithmic discrimination.
            We cannot trust nor entertains the notion that  former and contemporary enslavers will now use AI and digital transformation to respect our humanity and fundamental rights.
              Lastly we recommend that a priority should be given to the convening of an international collective of multimedia organizations  and digital associations that are owned and developed by Africans and People of African Descent.
Basta the crimes against our humanity!
Basta Racism!
Basta Imperialism!
A Luta Continua!
Victory is certain!
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