employment lawgender and race discrimination
Discrimination is still present involving many individual and institutions throughout the world. Whenever there is an imbalance of any kind there will be Gender and Race Discrimination. The reason why it is not unlawful, because the discrimination is so subtle and in some cases it is not done intentionally. There is a thing called good business" for discrimination against predominantly African American neighborhoods. The "good business" is the argument the banks use to justify their reluctance to grant loans to African Americans and insurance companies use it to justify their higher rates for African American. This argument good business is due to structural discrimination. The banks and insurance companies are not necessarily targeting African American, but the policies that the institution follows does discriminate between black and white people.
The case is different for banks than for insurance companies. In the case of banks, the quantity and quality of the loan is determined by the income of the individual as well as their collateral. Because African American has lower income, on average, than white people the loans granted to African American is also lower. Therefore, the bands seemingly race-neutral policy actually discriminates against African American. The case of insurance companies is not too much different in that, here too, the policies are intended to be race-neutral. In high crime neighborhoods the insurance rates are higher. Consequently, the high crime neighborhoods are predominantly African Americans and therefore the policy is again discriminatory. Not only do some insurance companies have this structural discrimination, there is also known institutional discrimination. Insurance companies have been known to charge higher rates in black communities than in white ones, even after controlling for crime. In the early eighties I experienced the form of discrimination with American Family called red lining.
As far as institutional...
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