TV PBS 32 TO SHOW REDLINING PROGRAM ON THIS FRIDAY THE 25TH AT 12 NOON
It will be aired from 12 noon to 1:00 p.m. on this Friday, November 25th.
For videos of a panel discussion, subject interviews, and more, go to this PBS website page.
Tuesday, November 22, 2022
Friday, November 18, 2022
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Stay Connected with the Maryland Commission on Civil Rights |
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| MCCR CRLP Program |
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Stay Connected with the Maryland Commission on Civil Rights |
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Thursday, November 17, 2022
GBCHRB Educational Brief
What is a Predatory Loan?
Predatory lending imposes unfair or abusive loan terms on borrowers, including triple-digit interest rates and narrow time windows for repayment. Meanwhile, a "fair" loan guarantees the same lending opportunities to all consumers, including low-cost loans for those with good credit scores, according to federal guidelines.
A predatory lender also may persuade a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions, according to Orlando-based debt.org, an online site that gives advice from financial experts. One example is lenders who target borrowers with credit problems or who have recently lost their jobs.
Predatory lending practices also can include fraudulent, deceptive and unfair tactics lenders use to "dupe" consumers into loans they can't afford, according to the U.S. Attorney's Office of Eastern Pennsylvania, which cites high mortgage costs as contributing to borrowers who can't keep their homes in good repair. d
The Center for Responsible Lending, a North Carolina-based nonprofit research organization that works to end predatory lending, released a study in late September that examined the "persistent harms of high-cost installment loans," a form of predatory lending that includes "rent-a-bank" loans. The group says it found predatory loans had a greater impact on people of color and people with low incomes. High-cost lenders say they are providing cash to risky borrowers with low credit scores who cannot obtain loans from traditional banks.
DO YOU HAVE A PREDATORY LOAN? GET HELP!
Paying too much on your loan? Get help! Examples of predatory loans: Balloon payments, Excessive points and fees, Packing (additional things without your knowledge), and Large mortgage broker payment. Read the “Eight Signs of Predatory Lending” to see if you are a victim. Read predatory lending tips from the Maryland Attorney General. Click to Learn More & Get Help.
People with Disabilities Living in the U.S. Face Urgent Barriers to Housing
A just-released Urban Institute study of 2021 Current Population Survey (CPS) data has found that only 16% of the disabled receive any kind of housing assistance although 84% are eligible. They face unique barriers related to housing affordability, accessibility, and receiving supportive services. According to this analysis, about 12% of U.S. residents over 15 live with a disability, or about 39 million people across 32 million households.
They also tend to have lower incomes and are less likely to be working than the nondisabled population. Some 22% have “extremely low” incomes, as defined by the US Department of Housing and Urban Development (HUD). Only 23% were employed in 2021, compared with 69% of the nondisabled population. The median income for households with at least one disabled member was $42,736 or less than 60% of the median income for households without a disabled member ($75,000).
Most people with disabilities (58%) are heads of their household. Over 27% live alone compared with only 10% of the nondisabled. 24%of disabled people live with one other disabled person, and less than 5% live with two or more other disabled people.
In 2021, solely 16% of the disabled with low incomes actually received housing assistance through either public housing or rental assistance. A total of 84% (almost 18 million people) were eligible for housing assistance but did not receive it. 21% of disabled people with very or extremely low incomes and 26% with extremely low incomes received housing assistance (2021). But this still leaves large percentages of the low-income disabled population without any assistance.
As of 2021, 32% of disabled people with low incomes received SNAP benefits and 37% received Medicaid - compared with the nondisabled's 22% percent receiving SNAP and 26% receiving Medicaid. Only 45% of disabled people with extremely low incomes received SNAP benefits in 2021, while 49% got Medicaid.
HUD’s 2021 point-in-time count estimates that, in 2020, 19% of those experiencing homelessness (110,528 people) were “chronically homeless” - they have a disability and experience persistent homelessness. The 2020 Census Bureau’s American Community Survey estimates that 53% percent of people living in institutions (2,061,048), such as group homes or prisons, had a disability.
Based on our analysis, more than 18 million people with disabilities face significant barriers to stable and quality housing that is affordable, accessible, and inclusive of people's support needs.
The study recommends that to reduce barriers to accessible, affordable, and inclusive housing for people with disabilities, federal, state, and local governments should consider policies that increase housing assistance and housing; prioritize making housing affordable for disabled people with extremely low incomes; and ensure that more housing is designed to be accessible and inclusive.
Tuesday, November 15, 2022
Lecture by George Lakey, Peace & Civil Rights Activist
FREE Lecture (via Zoom/In-person) by GEORGE LAKEY,
Peace & Civil Rights Activist
November 20th at 3:15 p.m.
Sunday, November 20 @ 3:15 PM
In-Person (Homewood Friends Meeting - Baltimore - 3107 N. Charles Street)
Note: COVID Precautions - Masks are required while attending the event in person. They can be removed while eating or drinking for the reception afterward.
Please Register HERE for either in-person or online participation or to be sent the link afterward. It's free!
George Lakey is a queer, Quaker activist and master storyteller who will share about his lifetime involvement in nonviolent struggles for peace, civil rights, LGBTQ rights, labor justice, and the environment. He will emphasize lessons from his life that apply to us during these challenging times, finding hope in even the darkest of times through strategic joyful activism.
Consider joining us beforehand for the monthly Baltimore Black Lives Matter Interfaith Coalition Rally from 1:30 – 2:30 PM in front of Homewood Friends Meeting (with refreshments in-between events). |
George Lakey is the author of the memoir, "Dancing with History: A Life for Peace and Justice, and the book, "How We Win: A Guide to Nonviolent Direct Action Campaigning. This event follows a prescient webinar Baltimore PeaceBuilders sponsored in September 2020 featuring George Lakey discussing: "What to do if there is a Coup? Nonviolent Civil Resistance."
From his first arrest in the Civil Rights era to his most recent during a climate justice march at the age of 83, George Lakey has committed his life to a mission of building a better world through nonviolent movements for justice. Lakey draws us into the center of history-making events, telling often serious stories with playfulness and intimacy. In his memoir, "Dancing with History", he describes the personal, political, and theoretical—coming out as bisexual to his Quaker community while known as a church leader and family man, protesting against the war in Vietnam by delivering medical supplies through the naval blockade in the South China Sea, and applying his academic study of nonviolent resistance to creative tactics in direct action campaigns.
George Lakey was born into a white working-class family in a small town in rural Pennsylvania and has been active in direct action campaigns for seven decades. He recently retired from Swarthmore College, where he was the Eugene M. Lang Visiting Professor for Issues of Social Change. He has been named Peace Educator of the Year and was given the Paul Robeson Social Justice Award and the Martin Luther King Peace Award. He is a regular contributor to the Waging Nonviolence/People Powered News and Analysis and he was a founding member of the Earth Quaker Action Team. He also wrote the book "Viking Economics: How the Scandinavians Got It Right." He lives in Philadelphia.
ORGANIZERS
The Baltimore PeaceBuilders (a project of Central Maryland Ecumenical Council)
CO-SPONSORS
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