Home equity is a major source of wealth in the United States. Historically, racist policies prevented Black people from obtaining home mortgages and therefore shut them out of the housing market. At the same time, white families were able to build wealth with their rising home values. This is best described asMultiple choice question.segregation.systemic racism.ethnocentrism.supremacism.

The fact that banks reject home mortgage applications from minorities at a higher rate compared to white applicants is an example of __________.A.assimilationB.pluralismC.scapegoatingD.institutional discrimination

Question 2 of 10The American housing sector has limited people of color from accessing housing as easily as whites. This situation is an example of _____.A.interpersonal racismB.post-racial policyC.institutional racismD.anti-segregation policy

Question 7 of 10An example of institutional racism is when banks:A.foreclose on homes owned by racial minority members who cannot pay their mortgage.B.use race as the basis for determining mortgage interest rates.C.refuse to give a mortgage loan to someone who does not have a job.D.increase the lowest interest rates they charge on home mortgages.

Question 10 of 10Which of the following is an example of interpersonal racism?A.Home loans are available easier to white applicantsB.Schools in predominantly Black communities are less funded than schools in mostly white communitiesC.A Latino child who feels that he is inferior because of the way Latinos are presented by the mediaD.None of the above

Which statements reflect the commission’s findings on the housing problem, and which do not?U.S. Commission on Civil Rights Report, Vol. IV: Housing, 1961Throughout the country large groups of American citizens—mainly Negroes, but other minorities too—are denied an equal opportunity to choose where they will live. Much of the housing market is closed to them for reasons unrelated to their personal worth or ability to pay. New housing, by and large, is available only to whites. And in the restricted market that is open to them, Negroes generally must pay more for equivalent housing than do the favored majority…As a consequence there is an ever-increasing concentration of non-whites in racial ghettos, largely in the decaying centers of our cities—while a “white noose” of new suburban housing grows up around them.…[A]ll this in the face of growing city needs for transportation, welfare, and municipal services.These problems are not limited to any one region of the country. They are nationwide and their implications are manifold. Attorney General Mosk of California told this Commission: “It is most appropriate in our concern with these [civil rights] problems to concentrate on housing, for here we have…what in most instances outside of the South is the root of the evil.”…A number of forces combine to prevent equality of opportunity in housing. They begin with the prejudice of private persons, but they involve large segments of the organized business world. In addition, Government on all levels bears a measure of responsibility—for it supports and indeed to a great extent it created the machinery through which housing discrimination operates……Federal programs, Federal benefits, Federal resources have been widely, if indirectly, used in a discriminatory manner—and the Federal Government has done virtually nothing to prevent it.Finding of the ReportDrag appropriate answer(s) hereAfrican Americans could not afford housing in neighborhoods outside of what the committee called “racial ghettos.”The government created and perpetuated many of the factors that kept African Americans in “racial ghettos.”Housing discrimination was confined to the southern states and required a response from the federal government.African Americans were more squarely segregated in “racial ghettos” as the white middle class surrounded them in the suburbs.Not a Finding of the ReportDrag appropriate answer(s) here