racial ethnic discrimination

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Jan 9, 2024

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1 Racial/Ethnic Discrimination Denise Tejada Coastal Carolina Community College SOC 210-11W Kimberly Lancaster November 14, 2023 Racial/Ethnic Discrimination

2 Summary of the Article The Brooklyn Daily Eagle article by Abruzzese (2023) discusses the status of the New York housing market as indicated in the Office of the Attorney General of New York City report. According to Abruzzese (2023), Attorney General Lelita James indicated that systemic racism has cost communities of color approximately $200 million. The communities of color living in New York face disparities in mortgage lending and homeownership rates. Abruzzese (2023) notes that the New York housing market has failed households of color and Latino households as White households are twice more likely to own homes than them. This situation has widened the racial wealth disparity, rendering it difficult for racial minorities to be financially secure and overcome systemic discrimination in the housing market. Additionally, the article expounded on how communities of color are discriminated against in homeownership and mortgage applications. Attorney General James indicated that communities of color experience disparity in homeownership due to unequal access to affordable credit (Abruzzese, 2023). Besides, Blacks and Latinos are denied mortgages despite their income, loan size, and credit score. The number of applicants of color denied mortgages despite their high credit scores is twice as high as the white applicants with the same financial status. Also, those who get mortgage approvals are charged higher interest rates that eventually cost the Black and Latino households more than $200 million. Abruzzese (2023) highlights the recommendations suggested to eliminate discrimination in housing. One recommendation is subsidizing interest rates and payments, especially for first-time buyers. Also, the state should fund financial institutions that serve the interests of communities of color. The Discriminatory Action Discussed in the Article

3 The discriminatory practice discussed in the article is an example of institutional discrimination. According to Ferris and Stein (2022), institutional discrimination is systemic and happens through discriminatory policies by institutions such as schools, governments, and banks. The housing market based on the racial makeup of neighborhoods is a form of institutionalized discrimination. Corporations in charge of public housing and mortgage lenders in New York City have adopted policies and changed their institutional arrangement to limit services and resources to Blacks and Latinos while conferring privileges to Whites. These discriminatory practices have been adopted and sustained for a long time, and it has marginalized and undermined the human worth of racial minorities. As Ferris and Stein (2022) indicated, inequalities are experienced in the ideology of the American Dream. Homeownership is crucial to achieving the American dream (Abruzzese, 2023). However, the Black and Latino New Yorkers are far from achieving this dream because of institutional racism in homeownership and mortgage lending. Even though the US is a meritocracy system, achieving the American Dream sometimes depends on class status, ethnicity, or gender. Additionally, Karl’s conflict theory explains this form of institutional discrimination. Ferris and Stein (2022) stated that the conflict theory indicates the struggle for power and control among social classes. The theory asserts that conflict between groups is inevitable in a society due to competition and the struggle for scarce resources. These struggles and economic competition lead to institutional racism (Ferris & Stein, 2022). The White majority adopts systemic policies and practices that enable them to access opportunities, goods, and services over the racial minorities. This situation is the case for the New York housing market, where the white majority seeks to control homeownership and mortgage lending by discriminating against communities of color.

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4 References Abruzzese, R. (2023, November 1). Systemic racism in New York’s housing market has cost minorities more than $200 million . Brooklyn Daily Eagle. https://brooklyneagle.com/articles/2023/11/01/systemic-racism-in-new-yorks-housing- market/ Ferris, K., & Stein, J. (2022). The real world: An introduction to sociology (8th ed.). W.W. Norton.

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