1. Structural Racialization and the Subprime Mortgage Crisis john a. powell Williams Chair in Civil Rights & Civil Liberties, Moritz College of Law & Director, Kirwan Institute for the Study of Race and Ethnicity

4. Collapse of Atlantic Cod Stocks Off the East Coast of Newfoundland in 1992 http://www.greenfacts.org/links/site-boxes/ma.htm

15. Source: Complaint, City of Cleveland v. Deutche Bank Trust Company, et. al.

21. Cumulative and Mutual: Cycle of Segregation Lower Educational Outcomes for Urban School Districts Increased Flight of Affluent Families from Urban Areas Neighborhood (Housing) Segregation School Segregation

28. Impact on Black and Latino Neighborhoods

32. The Web of Housing Challenges Housing Challenges Structural Racialization Analysis Applied Subsidized Housing Policies Discriminatory And Unfair Lending A Housing Market That Does Not Serve the Population Racial Steering And Discrimination Exclusionary Zoning

33. Subprime Crisis Spreading Outward

40. Capital Market ‘Credit crunch’ Affected neighborhoods are being reduced to ‘ghost towns’ Reduced spending and retail flight Families lose their homes, wealth and safety Banks, police and courts saddled with foreclosures SUBPRIME LENDING: We didn’t care about the canary... Systems Perspective (Multiple Impacts)

42. For more information, please visit us online at www.kirwaninstitute.org

43. Appendix: Addressing the Foreclosure Crisis