Race

Racialized Risk Assessment: Explaining the American Homeownership Gap 

Historical associations of Blackness with risk and Whiteness with stability along with broader forms of implicit biases continue to reinforce racial disparities in credit and housing, impacting rates of homeownership among Americans.   Homeownership: the core of the American dream, a proven tool for upward mobility and deeply entrenched in the national psyche. Yet, almost […]

Smart-on-Crime, Not Tough-on-Crime: What You (Yes, You) Can Do to Dismantle Our Racist Criminal Justice System

This article shows how incentives for local officials that you can affect – rather than subconscious biases of largely well-meaning police officers you cannot affect – are the main cause and potential solution to problems of systemic racism in America. Following the homicide of George Floyd, American policymakers are moving toward tougher regulation and oversight […]