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The Jamaica Plain Banking & Mortgage Committee and its citywide affiliate, The Boston Anti- redlining Coalition (BARC), won a commitment from Democratic candidate Michael S. Dukakis to order statewide disclosure through the Massachusetts State Banking Commission. After Dukakis was elected, his new Banking Commissioner ordered banks to disclose mortgage- lending patterns by zip code. The suspected redlining was revealed. The required transparency and review of loan practices began to change lending practices. NPA began to work on reinvestment in areas that had been neglected. Their support helped gain passage in 1. Community Reinvestment Act. Attempts to improve these neighborhoods with even relatively small- scale business ventures were commonly obstructed by financial institutions that continued to label the underwriting as too risky or simply rejected them outright. When existing businesses collapsed, new ones were not allowed to replace them, often leaving entire blocks empty and crumbling. Consequently African Americans in those neighborhoods were frequently limited in their access to banking, healthcare, retail merchandise, and even groceries. As abandonment increased, the population density became lower. Abandoned buildings served as havens for drug dealing and other illegal activity, increasing social problems and reluctance of people to invest in these areas. Obviously the neighborhoods had zero investment while neighborhoods around them improved. When the GI Bill was created during World War II, veterans who once lived in redlined areas were unable to get zero interest loans to build new homes like the rest of the returning soldiers. This forced them to stay in the areas that were poor and uninvested in while the rest of America was growing and moving to the suburbs. Because the areas that were redlined were so poor, many cities chose to destroy these areas to create the highways. The residents were displaced and forced to move into different uninvested neighborhoods while their homes and businesses were destroyed by the highways. Department of Housing and Urban Development announced a $2. Associated Bank over redlining in Chicago and Milwaukee in May 2. The three year HUD observation led to the complaint that the bank purposefully rejected mortgage applications from black and Latino applicants. An investigation had uncovered the erasure of black neighborhoods from mortgage lending maps. The most notable examples of such DOJ and HUD settlements have focused heavily on community banks in large metropolitcan areas, but banks in other regions have been the subject of such orders as well, including First United Security Bank in Thomasville, Alabama, and Community State Bank in Saginaw, Michigan. The Justice Department called it the “largest residential mortgage redlining settlement in its history.”. Attorney Paul Fishman explained to Emily Badger for The Washington Post, “. According to the Department of Housing and Urban Development . The Act also makes it unlawful for any person or other entity whose business includes residential real estate- related transactions to discriminate against any person in making available such a transaction, or in the terms or conditions of such a transaction, because of race or national origin. Anyone who suspects that their neighborhood has been redlined is able to file a housing discrimination complaint. The Community Reinvestment Act passed by Congress in 1. One of these organisations was SACCC (South Austin Coalition Community Council), formed to restore South Austin's neighbourhood and to fight against financial institutions accused of propagating redlining. This got the attention of insurance regulators in the Illinois Department of Insurance, as well as federal officers enforcing anti- racial discrimination laws. Taxicab services and delivery food may not serve certain areas, based on their ethnic- minority composition and assumptions about business (and perceived crime), rather than data and economic criteria, such as the potential profitability of operating in those areas. Consequently, consumers in these areas are vulnerable to prices set by fewer retailers. They may be exploited by retailers who charge higher prices and/or offer them inferior goods. Staples based discounts on proximity to competitors like Office. Max and Office Depot. This generally resulted in higher prices for customers in more rural areas, who were on average less wealthy than customers seeing lower prices. When those services are believed to have adverse effects on a community, they may considered to be a form of . High densities of liquor stores are associated with crime and public health issues, which may in turn drive away supermarkets, grocery stores, and other retail outlets, contributing to low levels of economic development. The class alleged that Sallie Mae discriminated against African American and Hispanic private student loan applicants. The suit also alleged that Sallie Mae failed to properly disclose loan terms to private student loan borrowers. Health officials have worried for years about the high rate of HIV among African Americans. Now the federal Centers for Disease Control is examining how one group.The lawsuit was settled in 2. The terms of the settlement included Sallie Mae agreeing to make a $5. United Negro College Fund and the attorneys for the plaintiffs receiving $1. Squires wrote in 2. From a review of industry underwriting and marketing materials, court documents, and research by government agencies, industry and community groups, and academics, it is clear that race has long affected and continues to affect the policies and practices of the insurance industry. This type of discrimination is called linguistic profiling. The Ohio Department of Insurance in the early 2. The FHEO Director of Investigations at the Department of Housing and Urban Development, Sara Pratt, wrote: Like other forms of discrimination, the history of insurance redlining began in conscious, overt racial discrimination practiced openly and with significant community support in communities throughout the country. There was documented overt discrimination in practices relating to residential housing- -from the appraisal manuals which established an articulated . These communities had largely been ignored by most lenders just a couple of decades earlier. In the 2. 00. 0s some financial institutions considered black communities as suitable for subprime mortgages. Wells Fargo partnered with churches in black communities, where the pastor would deliver . Working- class blacks wanted a part of the nation’s home- owning trend. Instead of contributing to homeownership and community progress, predatory lending practices through reverse redlining stripped the equity homeowners struggled to build and drained the wealth of those communities for the enrichment of financial firms. The growth of subprime lending (higher cost loans to borrowers with flaws on their credit records) prior to the 2. Not all subprime loans were predatory, but virtually all predatory loans were subprime. Enable userdir Apache module on Ubuntu Linux and other Debian based distributions. Lately I've spent a lot of time on web programming using open source based technologies like PHP, My. SQL and Postgre. SQL. This works really great on Linux because every tool you need for web programing is right there a few keystrokes away using your favorite distribution and package manager. One essential thing you need to setup for web programming is localhost web server serving files inside your home directory. I've wrote about one method of making Apache web server work this way in my following article: In this article I will show you how to do the same thing in another way by enabling Apache module called userdir on Debian based distributions like Ubuntu. The official definition of userdir is that . So lets get started.. In this article I will assume you have Apache web server fully installed. ![]() If you haven't already done this please follow the link from the beginning of this article and come back to enable userdir Apache module. For starters we need to enable this module using following command: Now we will configure Apache module userdir by editing userdir. Next you should replace the contents of that configuration file with the following code: < If. Module mod. This HTML files would be accessible using the http: //example. Serving PHP files from user's public. If you want to enable PHP processing when using userdir this is what you need to do. First you edit following Apache configuration file in this way: sudonano/etc/apache. Now you need to comment out a few lines from < If. Module mod. Now you can develop for web using public. How to Install Apache 2. My. SQL and PHP on Windows Server 2. R2. Posted by newlife. Jun 7, 2. 01. 4 in Windows . There is a way to install PHP with nginx-server under windows (current version is 0.7.60) Step-1 (install nginx server) Just extract nginx-0.7.60.zip in C:\nginx-0.7.60. 30 thoughts on “ Enable userdir Apache module on Ubuntu Linux and other Debian based distributions ” Neville Cox July 27, 2011 at 12:53:30. Files and directories in Linux. The root of the Linux file system is the '/' directory. All other drives, directories and files are contained in this directory. One of the many things to have on the list is getting the WAMP (Windows/Apache/My. SQL/PHP) stack working. If i comment out the IfModule in php5.conf and restart apache, php workd fine. So in this post we will get installed and running Apache 2. My. SQL 5. 6. 1. 9 and PHP 5. Windows Server 2. R2. Also, instead of 3.
You will need to download and install Visual C++ Re- distributable for Visual Studio 2. You will also need . NET 4. 0 installed as a prereq for My. SQL and Visual C++ 2. Download 6. 4 bit Apache (httpd- 2. VC1. 1. zip) from http: //www. Download and extract the zip and copy it to the root of C: \. This will be C: \Apache. Download php- 5. 5. Win. 32- VC1. 1- x. Thread Safe from http: //windows. Extract and rename folder to php and move to C: \. Extract php- 5. 5. Win. 32- VC1. 1- x. You will have to un- comment it. Save the changes to the config file. Next move to the Register Apache Service step. Register Apache Service. Now let’s register Apache as a service. Open a command prompt and type. If do not want Apache starting automatically at start- up/reboot: GUI Way. START . PATH ENVIRONMENT (System Properties . Since there is not a already set php. Rename c: \php\php. Now let’s edit php. Uncomment extension directory.; Directory in which the loadable extensions (modules) reside. Restart Apache to re- read the changes made to PHP. Check to make sure it shows loaded modules. C: \> c: \php\php - m. So now we have Apache running and configured to use php. Lets create a file called info. Apache parses the info correctly to display the results. Open Notepad or your favorite Windows editor and type and save the following. Change installation directory to C: \My. SQL\My. SQL Server 5. Program files as there could be permissions issues. Once the installation is completed you can let the configuration wizard run and setup the database server. The defaults will work just fine, but remember what you set the password to for root. PHPMy. Admin. PHPMy. Admin is a very nice tool to use for administering your My. SQL installation. Download and install phpmyadmin- 3. Extract the file and move to c: \apache. Rename directory to phpmyadmin. Create a config directory under phpmyadmin. Open a browser and type localhost/phpmyadmin/setup/index. At this point you should have a working Apache / PHP / My. SQL installation running and ready for you to start developing !!! |
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