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Insurance Redlining

United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance

Published: 1994

Total Pages: 204


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Distributed to some depository libraries in microfiche.
Redlining refers to discrimination in the homeowners' insurance market based on racial or ethnic characteristics of neighborhoods or individuals that are unrelated to risk. This book brings new evidence to bear on the issues that have framed almost 30 years of debate over insurance redlining, providing a framework for the development of public policy, private industry practice, and partnerships with community-based organizations that can help make insurance available. Contributors include academics, community organizers, private attorneys, and staffs of government agencies and nonprofit organizations. Contributors include: Tom Baker and Karen McElrath; Stephen Dane; Robert Klein; George Knight; William Lynch; Richard Ritter; Jay Schultz; D.J. Powers; and Shanna Smith and Cathy Cloud.
With contributions from over fifty architects, planners, geographers, historians, and journalists, The Arsenal offers a wide-ranging view of the forces that shape our cities. Who gets to be where? The Arsenal of Exclusion & Inclusion examines some of the policies, practices, and physical artifacts that have been used by planners, policymakers, developers, real estate brokers, community activists, and other urban actors in the United States to draw, erase, or redraw the lines that divide. The Arsenal inventories these weapons of exclusion and inclusion, describes how they have been used, and speculates about how they might be deployed (or retired) for the sake of more open cities in which more people have access to more places. With contributions from over fifty architects, planners, geographers, historians, and journalists, The Arsenal offers a wide-ranging view of the forces that shape our cities. With contributions from some of the best minds in architecture, such as Julie Behrens, Bill Bishop, Lisa Brawley, Ava Bromberg, Marshall Brown, Common Room, Charles Connerly, Nathan Connolly, Margaret Crawford, Alexander D'Hooghe, Elizabeth Evitts Dickenson, David Freund, Gerald Frug, Vincent James, Jeffrey Johnson, Michael Kubo, Kaja Kuhl, Matthew Lassiter, Amy Lavine, Setha Low, Thomas Oles, Michael Piper, Wendy Plotkin, Jenny Polak, Albert Pope, Mathan Ratinam, Brian Ripel, James Rojas, Theresa Schwarz, Roger Sherman, Susan Sloan, Lior Strahilevitz, Meredith TenHoor, William TenHoor, Thumb Projects (Graphic Design), Stephen Walker and Jennifer Yoos, among others. This publication won a Graham Foundation Grant
In the United States, some populations suffer from far greater disparities in health than others. Those disparities are caused not only by fundamental differences in health status across segments of the population, but also because of inequities in factors that impact health status, so-called determinants of health. Only part of an individual's health status depends on his or her behavior and choice; community-wide problems like poverty, unemployment, poor education, inadequate housing, poor public transportation, interpersonal violence, and decaying neighborhoods also contribute to health inequities, as well as the historic and ongoing interplay of structures, policies, and norms that shape lives. When these factors are not optimal in a community, it does not mean they are intractable: such inequities can be mitigated by social policies that can shape health in powerful ways. Communities in Action: Pathways to Health Equity seeks to delineate the causes of and the solutions to health inequities in the United States. This report focuses on what communities can do to promote health equity, what actions are needed by the many and varied stakeholders that are part of communities or support them, as well as the root causes and structural barriers that need to be overcome.