Race for Profit: How Banks and the Real Estate Industry Undermined Black Homeownership
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Keeanga-Yamahtta Taylor. (2019). Race for Profit: How Banks and the Real Estate Industry Undermined Black Homeownership. The University of North Carolina Press.

Keeanga-Yamahtta Taylor. 2019. Race for Profit: How Banks and the Real Estate Industry Undermined Black Homeownership. The University of North Carolina Press.

Keeanga-Yamahtta Taylor, Race for Profit: How Banks and the Real Estate Industry Undermined Black Homeownership. The University of North Carolina Press, 2019.

Keeanga-Yamahtta Taylor. Race for Profit: How Banks and the Real Estate Industry Undermined Black Homeownership. The University of North Carolina Press, 2019.

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How Banks and the Real Estate Industry Undermined Black Homeownership

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1. • value: Riots
2. • value: rats
3. • value: redlining
4. • value: uprisings
5. • value: fair housing
6. • value: racial inequality
7. • value: underclass
8. • value: urban crisis
9. • value: urban rebellions
10. • value: African Americans and the urban crisis
11. • value: black homeownership
12. • value: black housing
13. • value: black women and homeownership
14. • value: black women and welfare
15. • value: civil rights and housing
16. • value: contract buying
17. • value: Dempsey Travis
18. • value: housing policy and African Americans
19. • value: predatory inclusion

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1. • role: Author
   • fileAs: Taylor, Keeanga-Yamahtta
   • bioText: Keeanga-Yamahtta Taylor is assistant professor of African American studies at Princeton University and author of From BlackLivesMatter to Black Liberation and How We Get Free: Black Feminism and the Combahee River Collective.
   • name: Keeanga-Yamahtta Taylor

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Race for Profit

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LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD
FINALIST, 2020 PULITZER PRIZE IN HISTORY
By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion.
Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind.
Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.

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1. • value: History
2. • value: Sociology
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shortDescription

LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD
FINALIST, 2020 PULITZER PRIZE IN HISTORY
By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion.
Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile,...

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1. • source: Columbia University
   • value: Pulitzer Prize Finalist

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How Banks and the Real Estate Industry Undermined Black Homeownership

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The University of North Carolina Press

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1. • code: HIS036060
   • description: History / United States / 20th Century
2. • code: HIS056000
   • description: History / African American & Black
3. • code: SOC026030
   • description: Social Science / Sociology / Urban