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Housing Discrimination in America.pptx
- 1. SHELTERING INJUSTICE: UNVEILING THE REALITIES OF HOUSING DISCRIMINATION IN AMERICA Erin Cobbins
- 2. WHAT IS HOUSING DISCRIMINATION? Housing discrimination refers to the unfair or unequal treatment of individuals or groups in the housing market based on certain characteristics, such as race, ethnicity, gender, religion, disability, familial status, sexual orientation, or national origin. Sample Footer Text 2
- 3. WHO IS MOST AFFECTED BY HOUSING DISCRIMINATION? 3
- 4. History of Housing Discrimination in America TO UNDERSTAND HOUSING DISCRIMINATION TODAY, WE MUST LOOK BACK AT THE HISTORICAL PRACTICES SUCH AS REDLINING THAT SHAPED THE LANDSCAPE OF INEQUALITY.
- 5. HOW DISCRIMINATION HAS SHAPED KANSAS CITY, MISSOURI Formerly redlined areas have a poverty rate of 3.6 times that of A-rated census tracts. The proportion of Black residents in redlined areas is 9.1 time higher than that of A-rated census tracts. 17.8% of adults in formerly redlined areas are uninsured, compared to 6.4% in A- rated census tracts. 26.6% of adults in formerly lined areas are obese, compared to 16.2% in A-rated census tracts. 5
- 6. DISPARITIES IN HOUSING OPPORTUNITIES HARDER TIME GETTING A MORTGAGES STILL BEING DENIED PAYING HIGHER RATES 6
- 7. EVERY ASPECT OF OUR LIVES ARE AFFECTED BY DISCRIMINATION… 7
- 8. AMERICA’S POLICIES Sample Footer Text 8 1968 FAIR HOUSING ACT 1977 COMMUNITY REINVESTMENT ACT 1974 SECTION 8 HOUSING VOUVHER PROGRAM AND THE EQUAL CREDIT OPPORTUNITY ACT 1990 AMERICANS WITH DISABILITES ACT 1975 HOME MORTGAGE DISCLOSURE ACT 2015 AFFIRMATIVELY FURTHER FAIR HOUSING RULE
- 9. NATIONAL FAIR HOUSING ALLIANCE MISSION: The National Fair Housing Alliance leads the fair housing movement. NFHA works to eliminate housing discrimination and ensure equitable housing opportunities for all people and communities through its education and outreach, member services, public policy, advocacy, housing and community development, tech equity, enforcement, and consulting and compliance programs. 9
- 10. KC TENANTS FIGHTING FOR EQUALITY THERE IS POWER IN #’S ADVOCATES FOR CHANGE 10
- 11. ACTIVE IN THE FIELD Sample Footer Text 11
- 12. Sample Footer Text 12
- 13. CONTENT 2 SUMMARY • Add text, images, art, and videos. • Add transitions, animations, and motion. • Save to OneDrive, to get to your presentations from your computer, tablet, or phone. SUMMARY • Open the Design Ideas pane for instant slide makeovers. • When we have design ideas, we’ll show them to you right there. SUMMARY • This PowerPoint theme uses its own unique set of colors, fonts, and effects to create the overall look and feel of these slides. • PowerPoint has tons of themes to give your presentation just the right personality. Sample Footer Text 13
- 14. RESOURCES https://www.habitat.org/costofhome/act- now?gad_source=1&gclid=CjwKCAiAjrarBhAWEiwA2qWdCD9Ke_UW32pVqssg814wGlXUbKtO8mgqkKM9- NM0KNDRnht3_Y66FRoC6McQAvD_BwE https://www.aclu.org/press-releases/aclu-wins-settlement-end-housing-discrimination-case https://www.pcdc.org/news/new-findings-historic-redlining-drives-health-disparities-for-new- yorkers/?creative=484130070143&keyword=redlining%20and%20its%20effects&matchtype=b&network=g&device=c&gad _source=1 González-Pérez, J. M. (2021). Racial/Ethnic Segregation and Urban Inequality in Kansas City, Missouri: A Divided City. City & Community, 20(4), 346-370. https://doi.org/10.1177/1535684121990799 14
- 15. THANK YOU Sample Footer Text Erin Cobbins ecobbins@icstars.org 15
Editor's Notes
- Have you ever wondered how where you live might be influenced by factors beyond your control? Today, we unravel the complexities of housing discrimination and its implications on our communities."
- Housing discrimination defined as the unfair or unequal treatment of individuals or groups in the housing market based on certain characteristics, such as race, ethnicity, gender, religion, disability, familial status, sexual orientation, or national origin. Housing discrimination, a pervasive issue embedded in the fabric of our society, is a complex and deeply rooted problem affecting individuals and communities across the nation. As we delve into this critical topic, it is essential to understand the various forms of discrimination that manifest in the housing sector, from redlining to discriminatory lending practices. Beyond the statistics and legal definitions, housing discrimination carries a human cost, robbing individuals of their right to fair and equal access to housing opportunities. In this presentation, we will explore the historical roots of housing discrimination, its contemporary manifestations, and the lasting impact it has on marginalized communities.
- Historically, racial and ethnic minorities, especially African Americans, Hispanics, Native Americans, and Asian Americans, have faced systemic discrimination in housing. Practices such as redlining, racial steering, and discriminatory lending have contributed to disparities in housing access and quality. Other groups are also affected like people living below the national poverty line. Economic status is a significant factor in housing discrimination. Low-income individuals often encounter difficulties in securing safe and affordable housing. Discriminatory practices in rental and mortgage markets can limit their housing options. Members of the LGBTQ+ community may face discrimination when seeking housing. They may encounter biased landlords or discriminatory policies that affect their ability to secure housing, reflecting broader societal biases. People with disabilities may experience discrimination in housing due to inaccessible structures or prejudiced attitudes. Landlords or property owners may be unwilling to make necessary accommodations, leading to barriers in housing for people with disabilities. Single parents, particularly single mothers, may face challenges in securing housing due to discriminatory attitudes or policies. This can be compounded by economic factors and societal stereotypes. Immigrants and refugees may encounter housing discrimination based on their national origin or immigration status. Language barriers and unfamiliarity with local housing laws can further exacerbate these challenges. Gender-based discrimination can also play a role in housing disparities. Women, especially those who are victims of domestic violence, may face challenges in securing safe and affordable housing. Veterans, especially those dealing with physical or mental health issues, may face housing discrimination. Transitioning to civilian life can be challenging, and discriminatory practices can add to the difficulties they encounter.
- To understand housing discrimination today, we must consider that historically there were several key practices and policies used to shape the landscape of inequality. One of the most notorious forms of housing discrimination, redlining, began in the 1930s when the federal government and financial institutions systematically denied loans or insurance to residents in predominantly Black neighborhoods or areas with high minority populations. This practice reinforced segregation and limited economic opportunities for minority families. The inability of these minority families to purchase homes in an area of their choosing often forced them to be confined to specific neighborhoods, leading to disparities in education, employment, and overall community development. The 1968 Fair Housing Act outlawed racially motivated redlining and tasked federal financial regulators, including the Federal Reserve, with enforcement. The Fair Housing Act of 1968 was a significant step in stopping housing discrimination, it did not however eliminate it and the discrimination continues today. Addressing these disparities requires a multifaceted approach, including legal protections, policy interventions, community engagement, and efforts to promote economic and social equity in housing. There have been many efforts to combat housing discrimination, but until people’s ideas and perceptions change we won’t ever completely fix the problem.
- Historical redlining continues to influence housing patterns, economic disparities, and racial segregation in present-day Kansas City. Planned racial and social segregation through the process of redlining almost one hundred years ago has led the city to a perpetual carousel of injustice, and continuous disadvantages for minorities. Higher poverty rates, higher crime rates, uninsured people, and obesity are all the results of systematic racism and housing discrimination. Discrimination not only affects my city but the entire United States of America.
- Disparities in housing opportunities create unequal access to housing which only leads to more problems in minority communities. These disparities can manifest in different ways, contributing to inequalities in housing choices, quality, affordability, and overall living conditions. Here are some common examples of disparities in housing opportunities: -Racial and ethnic minorities may face discrimination when searching for rental housing or trying to buy a home, resulting in limited choices and opportunities. -Lower-income individuals and families may face challenges in accessing affordable housing options, leading to disparities in the quality of housing and neighborhood amenities. -Some groups may face difficulties in obtaining mortgage loans due to factors such as credit history, income levels, or discriminatory lending practices. -Residential segregation based on race and income can limit housing opportunities for certain groups, concentrating poverty in specific neighborhoods and limiting access to resources. -Insufficient availability of affordable housing can disproportionately affect low-income individuals and families, making it challenging for them to secure suitable and safe housing. -Limited awareness of fair housing rights and resources can contribute to disparities, as individuals may be less equipped to address discriminatory practices or advocate for their rights. -Certain communities, often marginalized or low-income, may be disproportionately affected by environmental hazards, leading to disparities in the quality of living conditions and health outcomes.
- Social determinants of health (SDOH) are the non-medical factors that influence health outcomes. They are the conditions in which people are born, grow, work, live, and age, and the wider set of forces and systems shaping the conditions of daily life. Housing discrimination can significantly impact social determinants of health, contributing to health disparities among different populations. Housing discrimination significantly affects these determinants, perpetuating health disparities. Discrimination in housing jeopardizes access to safe and stable housing, increasing the likelihood of homelessness, substandard living conditions, and housing insecurity, which are foundational to overall health and well-being. Economic stability is integral to health, impacting access to healthcare, nutritious food, and essential resources. Education, a potent social determinant, is impacted by discriminatory housing practices, contributing to educational disparities. Residential segregation results in underfunded schools and limited educational resources in historically discriminatory neighborhoods. Discrimination in housing affects access to quality healthcare services, as residential segregation limits individuals' ability to reach healthcare facilities, receive preventive services, and access timely medical care, thereby contributing to health disparities. Housing discrimination induces psychosocial stress due to challenges in securing safe housing. Chronic stress resulting from discrimination can lead to mental health disorders and increased susceptibility to chronic diseases. Discriminatory housing practices restrict access to community resources, such as parks and recreational facilities, impacting physical activity and community well-being. Additionally, these practices disrupt social support networks, leading to social isolation and affecting mental health and resilience. Understanding and addressing housing discrimination are imperative for health equity. Eliminating discriminatory practices and ensuring equal access to safe housing are crucial steps in improving social determinants of health and overall health outcomes for diverse population.
- While these policies represent initial steps towards addressing housing discrimination, it is imperative to acknowledge that our efforts as a nation are far from comprehensive. Regrettably, the current state of affairs reveals the limitations of our progress. Challenges persist, particularly when those who have historically perpetuated systemic oppression hold positions of influence within policy-making, financial institutions, government, and businesses. In order to effect meaningful change, prompt and decisive action is required. Failing to do so may extend the timeline for significant progress by another century. It is crucial that we collectively take immediate and concerted measures to address these challenges and strive for a more equitable future
- The National Fair Housing Alliance (NFHA) actively works to enforce fair housing laws, ensuring protection against discrimination based on race, color, religion, national origin, sex, disability, and familial status for individuals and communities. Through rigorous investigations, NFHA identifies potential cases of housing discrimination. Upon uncovering discriminatory practices, legal action, including filing lawsuits, is pursued to address systemic issues and seek remedies for affected individuals. NFHA plays a vital role in advocating for policies and reforms at the local, state, and federal levels to fortify fair housing laws and address emerging issues tied to housing discrimination. Their engagement with policymakers aims to influence legislation that fosters fair and equal housing opportunities. In addition to their legal and advocacy efforts, NFHA is committed to educational initiatives that raise awareness about fair housing rights and responsibilities. They provide resources and training to individuals, housing providers, and communities, fostering understanding and compliance with fair housing laws. Recognizing the importance of collaboration, NFHA actively collaborates with local fair housing organizations and community groups nationwide. These partnerships allow NFHA to extend their reach, share resources, and coordinate grassroots efforts to combat housing discrimination. Furthermore, NFHA collects and analyzes data on housing trends and discrimination, utilizing this information to identify patterns, disparities, and prevalent discriminatory areas. Through reporting on these findings, NFHA aims to spotlight ongoing challenges and advocate for necessary changes in the fight against housing discrimination."
- KC Tenants is a city-wide tenant union, established in 2019 and led by a multigenerational, multiracial, anti-racist base of poor and working-class tenants in Kansas City. KC Tenants organizes to ensure that everyone in KC has a safe, accessible, and truly affordable home. “We believe the people closest to the problem are closest to the solution. To us, organizing is fundamentally democratic; it relies on developing tenant leaders to learn their rights, tell their own stories, and determine their own liberation.” During the pandemic, KC Tenants became an advocate for emergency tenant protections, including a temporary eviction moratorium in the state. KC tenants began with a $30,000 budget in 2019 it is now at well over $600,000 from both local and national grants, they now employ seven full-time staff members plus tenant members who’ve led protests outside of judges’ homes and courthouses, and pursued more traditional legislative advocacy trying to keep renters in their homes. “We were engaging in direct action to shut down evictions by whatever means we could find,” says Tara Raghuveer, founding director of KC Tenants. “Along the way, we started organizing neighborhood tenant unions.” They do more than just stop evictions, they educate, support, and advocate for change daily. KC Tenants don’t just fight for people of color but anyone facing housing discrimination. The LGBTQ community, disabled, veteran, and anyone that has been the subject of housing discrimination.
- The ACLU is a pivotal force in combating housing discrimination in the United States through its multifaceted approach. Primarily, the organization engages in litigation to challenge discriminatory housing practices, filing lawsuits on behalf of individuals or groups who have experienced discrimination. Concurrently, the ACLU advocates for policies and legislative reforms at different government levels to strengthen fair housing laws and address systemic issues contributing to discrimination. To raise awareness about the prevalence and impact of housing discrimination, the ACLU conducts public awareness campaigns, utilizing media outreach, social media initiatives, and public events. Additionally, the organization provides legal assistance and support to individuals navigating the complexities of housing discrimination, offering guidance, filing complaints, and representing cases directly when necessary. The ACLU actively confronts discriminatory housing policies and practices that disproportionately affect marginalized communities, including challenges to zoning laws, redlining, and practices perpetuating housing segregation. Through impact litigation, strategically chosen cases aim to create broader systemic change and significantly impact the overall landscape of fair housing. In sum, the ACLU employs a comprehensive strategy encompassing legal action, policy advocacy, public education, and collaboration to advance equitable housing opportunities for all individuals and communities
- In conclusion, addressing housing discrimination in America demands a comprehensive strategy encompassing legal, policy, and societal reforms. Strengthening fair housing laws, implementing anti-discrimination training, and bolstering enforcement mechanisms are crucial steps. Investing in affordable housing initiatives, supporting community land trusts, and reforming zoning laws promote accessibility and inclusivity. Protections against source-of-income discrimination, educational programs, and inclusive housing policies foster awareness and diversity. Enhanced data collection, expanded legal aid, and community engagement empower individuals. Encouraging corporate and government accountability ensures a fair and equitable housing landscape. Collectively, these solutions offer a pathway to combat housing discrimination and create a more just and inclusive housing environment for all.
- Thank you for your time.