QUESTION
Are there complaints related to discriminatory lending practices that feed into other discrimination cases?
0:34:16
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102 sec
The Deputy Commissioner explains that while complaints might not directly address discriminatory lending, they often intersect with issues like employment discrimination based on credit history.
- Employment cases may involve scrutiny of an individual's credit history, which can reflect past unfair lending practices.
- The prohibition of credit history questions in employment contexts is crucial for preventing discrimination.
- Discriminatory lending practices can affect economic opportunities and contribute to challenges in generating intergenerational wealth.
- Most voucher holders in NYC, who are impacted by economic disadvantages, are people of color, indicating a racial dimension to the issue.
Nantasha M. Williams
0:34:16
And I know that there are minimal cases that come to CCHR in reference to discriminatory lending practices, But do you see other types of complaints that might feed into or result from discriminatory linen practices.
0:34:37
So maybe the complaint wasn't explicitly that, but it might be a part of it.
JoAnn Kamuf Ward
0:34:47
So maybe not as expressly as you're identifying, but I think again, when we talk about employment cases and looking at credit history, the the fact that credit history can is is asked for in many, many spaces.
0:35:03
If you have bad credit or have been the recipient of unfair terms and you're still paying that off, that has knock on effects.
0:35:11
That that can occur in employment.
0:35:13
That's why the prohibition on asking those questions, which are 100% irrelevant to your ability to be a good employee.
0:35:19
Is a really important part of our work.
0:35:21
I would also say that the the work we do in the source of income space and vouchers is also a knock on effect of some of the challenges in generating intergenerational wealth and in limits to economic opportunity because we know that in the source of income space, most of the claims that come to us, and I think it's fair to say most of the voucher holders in New York City are people of color.
0:35:48
And so this I think is is all related in a way that is is both complicated, but something that that we can work together, I think, to address.
