Discrimination In The 1960-1970's

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The duty to offer a system of equality is beyond just a significant matter in our society; its impact undoubtedly expands well past the realms of our great country. Equality is the basis of any fair society to allow everyone the ability to reach their full potential. There has been an enduring perception and even factual evidence, to support the claims that unfairness is still exhibited in the current financial industry, and which most importantly, is harming consumers. Financial discrimination can prevent certain groups of people with common interests to fulfill essential responsibilities needed to provide for themselves, their families, and improve their standard of living. During the 1960-1970’s, the concern was initially communicated of …show more content…
Under this, it would be unlawful to deny to rent, or negotiate with any individual based on their classification. The civil rights movement during the 1960’s played a huge role in the movement leading against unfairness in housing. The Fair Housing Act was in effect in 1968 by the United States Department of Housing and Urban Development. The Fair Housing Act prohibited the refusal to sell or rent a dwelling to any person because of race, color, religion, sex, or national origin. Advertising the sale or rental of a dwelling indicating preference of discrimination based on race, color, religion or national origin. Coercing, threatening, intimidating, or interfering with a person's enjoyment or exercise of housing rights based on discriminatory reasons or retaliating against a person or organization that aids or encourages the exercise or enjoyment of fair housing rights. The Home Mortgage Disclosure Act requires lenders to annually report data on loan applications, purchases, as well as certain requests under preapproval programs. The reports include information on race, ethnicity, gender, and gross income of mortgage applications and borrowers, data on property locations, loan pricing, and the type of purchaser of loans that are …show more content…
The marketing and sales process is the initial point of contact and interest to the consumer. Once a possible value is believed to be received, pre-application inquires will follow. The applications are taken by a loan office or banker, and this seems to be the noticeable trend of possible unfair treatment. Their have been many claims against loan officers or financial institution representatives who have discouraged or recommended certain customers to not apply. The application then goes in for processing, and if approved, the underwriters make certain pricing and fee decisions. These individuals have the power to make final credit decisions that can make a lasting impact on the prospective
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