This comment is directed towards the Consumer Financial Protection Bureau (“CFPB”) proposal to enlarge the number of creditors allowed to collect ethnicity and race information specifically, the proposal to amend § 1002.13(b) the requirement should individual(s) choose not to self-identify to require that the “creditor shall then also note on the form, to the extent possible, the ethnicity, race, and sex of the applicant(s) on the basis of visual observation or surname.” This collection method proposed by the CFPB would allow creditors not under the racial and ethnicity reporting requirements of Regulation C of the act to collect such data because in the Bureau’s opinion they might fall within the requirement in another year and this would …show more content…
§ 1691b), grants the CFPB authority to create regulations under the ECOA, which the CFPB uses to justify this change, and these changes can be made “to carry out the purposes of this title . . . in the judgment of the Board are necessary or proper to effectuate the purposes of this title, to prevent circumvention or evasion thereof, or to facilitate or substantiate compliance therewith.” The ECOA prohibits discrimination against a credit applicant in any transaction “on the basis of race, color, religion, national origin, sex or marital status, or age” and the purposes of the act touch on sex and marital status discrimination. According to the Pew Research Center, between the 2000 and 2010 census, approximately 10 million Americans changed their racial and ethnic identification (see attached). Furthermore, health researchers have found a mismatch between self-selected race and “observer-selected” race, as well as changing social perception and bias that causes different people to observe and select race and ethnicity differently (see attached). Observer based race and ethnicity designations therefore appear to be flawed, allowing creditors who are not subject to the Regulation C reporting requirements does not seem to further the proposes of the act or “facilitate” compliance with the act. Indeed, it would appear to do the opposite as creditors will likely be wrong in their observer identification and therefore, if the Bureau or another
Imagine you are a person of mixed Latino race living in the United States and you are preparing to fill out a census form. None the choices accurately display who you are racially. This is a problem for many people of Afro-Latino descent. An Afro-Latino is defined as any person who is of both Latin and African descent. The Office of Management and Budget (OMB) defines Hispanic or Latino as “a person of Cuban, Mexican, Puerto Rican, South or Central American, or other Spanish culture or origin, regardless of race.” But what about those who are both Black and Latino/Hispanic? In the 2010 Census Bureau report it shows that only 2.5 percent of the 54 million Hispanics living in the United States also identified as Black, but this is likely an undercount. This small percentage are the voices of the Afro-Latino community pushing to be visible and represented in the population. Because of this, census forms should be changed to include Afro-Latino as a race.
Specific use of racial surnames is labeling to a specific ethnic group and must be abolished. Largely
1. For the year-end December 31, 2007, financial statements, what amount should M record as a liability?
UCM: CPSW did a home visit to Ms. Brenda Borkovec's home. Both children were in the living room playing together. Also, Ms. Brenda was in the living room holding Aydden and feeding him. Ms. Brenda stated that she has not received any papers regarding her foster care license. Ms. Brenda stated that she is frustrated with the process and that it has taken a longer time. Ms. Brenda mentioned that it has taken a long time for her to complete her fingerprint. She reported that currently she is waiting the background study and fingerprint forms to be sent to her. Ms. Borkovec's phone ring and it was Elizabeth Borkovec. Ms. Brenda asked CPSW if Elizabeth can come and join the meeting. CPSW approved it and Elizabeth Borkovec showed up less than 5 minutes.
Generally, the statutory classification provided by Congress is presumptively valid, unless such a classification is considered suspect. The classification touches upon race or ethnicity of citizens falls within one of the suspect categories. The Court stated that “all racial classifications, imposed by whatever federal, state, or local governmental actor, must be analyzed by a reviewing court under strict scrutiny.” Adarand Constructors, Inc. v. Pena, 515 U.S. 200 (1995). Thus, suspect classifications are presumed to be void and subjected to heightened scrutiny.
Not only this article alarms society that Racial Profile's should be banned, but also, in the article "The Color of Justice", David Cole expresses and supports this point. Cole starts in a good way
I pasted your answers to this document. You did not tell me what line any of your answers came from. Remember that you begin the answer part of the question. If it says two details, that mean two citations.
The law was authored by state Assembly woman Shirley Weber (D) and signed into law by Gov. Jerry Brown (D). That would expand the state's formerly vague definition of racial profiling to include “identity profiling” based on gender, national origin or other characteristics protected against discrimination of those stopped or detained.
University of the Incarnate Word campus police reported the death of a student who fell from a 5th floor to her death on Thursday, Nov. 3
When a University implements special admissions requirements, like race and ethnicity, the Court called “ for the most exacting judicial scrutiny” when reviewing cases of this nature (Bakke v U.S.). For this, the rational-basis test is faulty. Strict-scrutiny is prescribed to examine race cases.
(112) The historical development of ethnic categorization as a distinct concept from race in the U.S. Census was defined through the Office of Management and Budget (OMB) in October 1997. This criterion was meant to discern between biological/genetic factors and the ethnic aspects of Latino/Hispanic identity as part of this governmental decree: “The racial and ethnic categories set forth in the standards should not be interpreted as being primarily biological or genetic in reference” (The White House.org, 2015, para.17). Therefore, 1997 was the specific date in which this policy became active in distinguishing race from ethnicity in population variability in the Hispanic/Latino community.
However, not every case is the same and certain cases can have sensitive information that may make an individual not want to cooperate. Also, training is expensive as well as the cameras. The revision in policy and the equipment are costly and time consuming. Also the rapid change in technology will put the unions in a dilemma as well as the policy because it will need constant revision to update changes in the policy.
The main decision for Chembright is in regards to the pricing of their products specifically bleach, which is Chembright’s main product, and how their main competitor R.J. Poulson is pricing theirs bleach in order to get rid of the competition. This has caused Chembright to be unable to compete at these prices since there isn’t any profit margin for them if they lower their price as R.J. Poulson. Therefore Chembright has to stop the price war with R.J Poulson to be able to maintain their products in these markets. Now Chembright is facing the issue of how to retain their customer’s without lowering their prices, since regardless of
In 1997 the United States Census Bureaus’ Office of Management and Budget standards would permit an individual to report more than one race on the census basing their response on self-identification. In the census the individuals would not only be able to check as many boxes as they saw fit to identify themselves but also write in a response if necessary. (USCB 2013)
A. The government should not define racial categories. My personal belief is all humans are connected regardless of race. Pigment colors can be altered by mutations or genetic disorders. The census is solely based on biased public responses. Therefore, the census effectiveness is compromised by non-measurable data. The data is not meaningful because the racial categories might not have the same background, experiences, opportunities or social status. For instance,