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LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.
Edition for 1965 and 3d ed. (1976) published under title: Programs in aid of the poor. Includes bibliographies.
A cumulative list of works represented by Library of Congress printed cards.
This book presents a provocative perspective on the impact of the Reagan administration. Many political commentators, both liberal and conservative, argue that the 1980s was a period of fundamental conservative change. Some of them believe the changes have been so important that the 1980s should be seen as a watershed period in American political history as significant as the 1930s. Schwab denies this thesis and points out that politics and policy did not fundamentally change in a conservative direction. Instead, he demonstrates how policy developments and the political system actually moved in the opposite direction. In the realm of public opinion, Schwab points out that sentiment tends to shift toward the left rather than the right. Support for social and environmental programs remained high and even increased during the Reagan era, whereas support for defense programs dropped to a near-record low. Instead of a New Right conservative shift in public opinion on social issues, Americans became more liberal on women's rights, minority rights, and sexual behavior issues. Schwab's critique extends as well to Reagan's political success and popularity. Rather than being one of the most successful presidents in leading Congress, he was one of the least successful. His conservative ideology lessened support for him among many voters and congressional liberals gained more voter support during the 1980s' elections than conservatives.