Racial Dynamics of Subprime Mortgage Lending at the Peak

Subprime mortgage lending in the early 2000s was a leading cause of the Great Recession. From 2003 to 2006, subprime loans jumped from 7.6% of the mortgage market to 20.1%, with black and Latino borrowers receiving a disproportionate share. This article leveraged the Home Mortgage Disclosure Act data and multinomial regression to model home-purchase mortgage lending in 2006, the peak of the housing boom. The findings expose a complicated story of race and income. Consistent with previous research, blacks and Latinos were more likely and Asians less likely to receive subprime loans than whites were. Income was positively associated with receipt of subprime loans for minorities, whereas the opposite was true for whites. When expensive (jumbo) loans were excluded from the sample, regressions found an even stronger, positive association between income and subprime likelihood for minorities, supporting the theory that wealthier minorities were targeted for subprime loans when they could have qualified for prime loans. This finding also provides another example of an aspect of American life in which minorities are unable to leverage higher class position in the same way as whites are. Contrary to previous research, model estimates did not find that borrowers paid a penalty (in increased likelihood of subprime outcome) for buying homes in minority communities.     

Citizenship,minorities and the struggle for a right to the city in Istanbul

Globalization is generating new forms of citizenship that often go beyond the institutional perception of social identity. These new forms of citizenship are developed in a scalable way to a greater extent than rights and obligations, and are entirely managed by the citizens themselves. To demonstrate empirical support for this issue, the case of minority communities in Turkey constitutes one of the most relevant examples, since citizenship in this country has long been associated with an idea of political loyalty and total allegiance to the nation-state. The main purpose of this article is to show how urban space and urban protest allow minorities to find alternative forms of expression for their collective identity, and to create a new understanding of citizenship beyond the classical definition, being based instead on institutional representation. The aim of this research is to examine the process of urban transformation in Istanbul, how this phenomenon shapes the structure of cities and how it gives rise to social resistance and protest, especially in neighborhoods housing minority communities. In this context, the article focuses on planning movements in Turkey through a comparative study of two urban planning projects and the citizens' protests against them.     

文化认同选择权——对少数民族文化认同问题的思考

文化认同是多元的和动态的,忽视少数民族成员的文化认同选择权将导致强制同化或者强制反同化,不利于民族文化的传承发展以及国家认同感的维系。保护民族文化的多样性和构建文化认同、国家认同,都必须以尊重和保护少数民族成员的文化认同选择权为前提。     

Extending environmental justice research to religious minorities

For more than 30 years, significant research in the United States has found that racial and ethnic minorities suffer disproportionately from nearness to environmental disamenities compared with white non-Hispanics and that these results persist even controlling for poverty and “which came first,” the minorities or the disamenities. The engrained discriminatory findings of this environmental justice (EJ) research have led some to argue that we observe “systemic racism,” built into our social systems in ways that may be difficult to perceive. Yet, within the history of the United States, racial and ethnic minorities are not the only groups that have been systematically discriminated against; various religious groups also have histories of discrimination. Here we consider whether, holding constant race and ethnicity, some religious groups may also suffer from “EJ syndrome.” Since the US Census does not collect data on religion, to measure the presence of some religious groups that may be discriminated against, we use an original dataset on the presence of Jewish, Muslim, Church of Jesus Christ of Latter-day Saints (LDS, aka Mormon), and Roman Catholic houses of worship within California's Census tracts. Our results indicate that even controlling for race/ethnicity and income, the presence of Jewish or Muslim houses of worship in a California Census tract increases the likelihood of environmental burden as measured by the CalEnviroScreen 3.0 index of pollution and community vulnerability.