A case study of social movement or collective action event by ethnic Essay

A case study of social movement or embodied action grammatical case by ethnic group(s) - Essay ExampleDiscussions of discrimination can raise the blood pressure of even the most neutral person. On the one hand, on that point argon those who steadfastly claim there is no such thing as discrimination in the mortgage industry everyone is an equal opportunity accommodate lender, after all it says so right on the application. On the other hand, there are those who arrest examined the issue with as much neutrality as possible and have arrived universally at one conclusion all things being equal (such as similar credit reports, income, and down payments) African Americans are the victims of predatory, abusive, and discriminatory mortgages at a sickening rate. Just a quick glance at a few numbersIn 1993, approximately 100,000 subprime loans were originated. In 2001, more than a million subprime loans were originated. In 2008, more than 65 percent of subprime loans were refinances, not di rect purchase (ACORN.org).Racial discrimination is often hidden and it surely can be inadvertent. This does not excuse banks and mortgage brokers accused of discrimination. Three major organizations address this as a part of their foundation missions, and steps have been taken to remedy the problem, such as neutral research, education, and collective action. Before we can deduce what organizations and the collective actions of individuals do to expose the problem of discriminatory lending, we mustiness define what we mean by predatory and abusive mortgage loans. Once we have created a broad definition of discriminatory lending, we must seek to understand how the African American community can fall victim to such practices on a broad level through a culture of visible and inadvertent discrimination. The major leaders and organizations involved in exposing the problem have a multi-pronged approach to the problem, and institutional recognition of the problem lends strength to indiv idual collective action. Finally, there are several effective